Q. When was Manufacturers and Traders Trust Company (M&T Bank) incorporated?

A. M&T Bank filed an Organization Certificate with the New York State Banking Department on September 13, 1892, but traces its origins to Manufacturers and Traders Bank which opened for business in 1856.

Q. Where is M&T located?

A. M&T Bank Corporation's headquarters is located in Buffalo, New York. M&T Bank also has almost 700 branches in Delaware, Maryland, New York, New Jersey, Pennsylvania, Virginia, West Virginia and Washington D.C.

Q. What is M&T's ticker symbol?

A. The ticker symbol has been MTB since June 1, 1998. Prior to June 1, 1998, M&T was called First Empire State Corporation and traded under the symbol of FES on the American Stock Exchange dating back to March of 1988. Prior to March of 1988, First Empire State Corporation traded under the symbol FEMP on the NASDAQ.

Q. Are Manufacturers and Traders and Trust Company and First Empire State Corporation stock certificates still valid?

A. Manufacturers and Traders Trust Company and First Empire State Corporation stock certificates may still be valid. Please call Computershare at 1-866-293-3379 for more information.

Q. Where is M&T traded?

A. M&T is currently listed and traded on the New York Stock Exchange.

Q. Who is M&T's transfer agent?

A. M&T Bank Corporation's transfer agent is Computershare. Click on the Contact Information page for Computershare's mailing addresses and telephone number.

Q. Does M&T have a dividend reinvestment plan and how can I participate?

Shareholders can elect to reinvest all or some of their cash dividends in M&T Bank Corporation common stock. Call Computershare at 1-866-293-3379 to request an enrollment kit including a plan prospectus.

Q. Does M&T offer a direct stock purchase plan and how can I participate?

A. New investors can purchase M&T Bank Corporation common stock through the Computershare Investment Plan ("CIP"). You may also purchase M&T Bank Corporation common stock through any stock brokerage firm or you may contact M&T Securities, Inc. at 1-800-724-5445 to assist you with your purchase.

Q. Who do I contact with questions about my stock (transfer stock, change the address on my shareholder account, replace a lost stock certificate, etc.)?

A. Shareholders should contact Computershare at 1-866-293-3379 for assistance

Q. How can I check or make changes to my Computershare account?

A. You can access your Computershare account online by clicking here. You may also contact Computershare at
1-866-293-3379 to inquire about your account.



Q. Does M&T Bank Corporation pay a cash dividend?

A. Yes. M&T currently pays a quarterly cash dividend of $0.70 per common share. M&T typically pays dividends on the last business day of each quarter.

Q. When has M&T's stock split?
Record Date
Stock Split Ratio
October 5, 2000
10 for 1
September 24, 1987
2 for 1
August 8, 1955
2 for 1
October 16, 1929
2 ½ for 1

Q. Who has M&T acquired in the past?

A. Click on the Acquisitions page to view a record of M&T's acquisitions.

Q. Who are the financial analysts that cover M&T?

A. Click on the Analyst Coverage page for a list of companies covering M&T.

Q. What are M&T Bank's current credit ratings?

A. A summary of M&T's current credit ratings may be accessed at the link below.

M&T Bank Corporation Ratings Summary

Q. When is M&T Bank Corporation's next earnings announcement?

A. Click on the Calendar of Events page to view M&T's next earnings announcement and other upcoming events.

Q. Does M&T participate in any webcasts or presentations?

A. Yes. Click on the Calendar of Events page to view all upcoming conference calls and presentations for M&T. Click on the Webcasts & Presentations page to view all recent and past events for M&T.

Q. When and where is M&T Bank Corporation's Annual Meeting of Shareholders?

A. Information regarding M&T Bank Corporation's Annual Meeting of Shareholders can be found on the Calendar of Events page when it is available.

Q. Where can I find more financial information?

A. Click on the SEC Filings page and/or the Annual Reports page to view all of M&T's financial information online.

Q. Who can I contact for more shareholder information?

A. M&T Bank Corporation's transfer agent, Computershare can be reached at 1-866-293-3379.  M&T Bank Corporation's Shareholder Relations Department can be reached at (716) 842-5138.

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