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PLEASE NOTE THE FOLLOWING IMPORTANT CHANGES TO …

2021 M&T Bank. Member FDIC. CTD-1345 211119 VFPLEASE NOTE THE FOLLOWING IMPORTANT CHANGES TO THE M&T GENERAL DEPOSIT ACCOUNT agreement AND THE NOTICE REGARDING INSUFFICIENT FUNDS, OVERDRAFTS AND ORDER OF PAYMENT OF DEBIT ITEMS, EFFECTIVE 01/20/2022. THESE CHANGES APPLY TO ALL CHECKING, SAVINGS, AND MONEY MARKET ACCOUNTS AS WELL AS CERTIFICATES OF DEPOSIT:In both documents referenced above, the section entitled Posting in Batch at the End of the Business Day will be amended and restated as follows to reflect a change in the posting order of checks other than those cashed at M&T Bank locations:Posting in Batch at the End of the Business DayWe begin the batch posting of transactions to your account by posting credits to your account (other than interest, which is credited at the end of batch) and reversals and adjustments for transactions from prior business days that have not already posted in real time.

arbitration forum’s rules and this arbitration agreement, this arbitration agreement shall control. 5. Representation. ... engaged in the private practice of law continuously during the 10 years immediately preceding the arbitration or a retired …

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