M&T Digital Services Agreement

1 M&T Digital Services AgreementView a PDF to send or save this M&T Digital Services Agreement (the " Agreement ") governs, as applicable, your use of M&T's Digital Services , which include M&TOnline Banking, M&T Online Banking for Business, M&T Online and Mobile Bill Pay (a component of M&T Online Banking), M&T MobileBanking, M&T Mobile Banking for Business, M&T Mobile Deposit Service, and other online and mobile-based financial servicesfunctions which are now available or may be available sometime in the future (collectively, the " Digital Services ").. Not all Services within the Digital Services maybe available to you because some Services are for Consumers and some are for fee information,please refer to of this Agreement for the Section NDigital Services Fee ScheduleA summary of the most recent changes to the Digital Services Agreement can be found on.

2 Preliminary General Provisions1. Definitions2. Accepting This Agreement3. Eligible Accounts4. Other Agreements5. Fees6. Your Devices and Software7. Guides8. Enrollment in Digital Services9. Your Access Codes10. One-Time Verification CodesB. M&T Online Banking1. Internal Transfers and M&T Loan Payments from External Accounts2. Account Balance and Transaction History3. Online Account Information and Check Images4. Data Export5. M&T Online and Mobile Bill Pay6. M&T Rewards Program (Credit Card)C. Bank to Bank Transfers (Personal Accounts)1. Authorization to Complete a Funds Transfer2. Processing of Funds Transfers3. Reliance on Your Instructions4. Types and Limitations on Transfers5. Cancellation of Requested Funds Transfer6.

3 Verification of Identity and Account OwnershipD. Online Check Search and Stop PaymentE. Statements and Notices Service1. Enrollment2. Accessing your Electronic Statements and Disclosures3. Changing Statement or Electronic Disclosure Delivery Option4. Email Address5. Paper Copies6. Unenrollment7. Joint Account8. Combined Statements9. FeesF. M&T Mobile Banking1. M&T Mobile App2. Notices Applicable to M&T Mobile Banking3. FeesG. M&T Mobile Deposit1. Miscellaneous2. Fee3. Equipment4. Limitations5. Eligible Checks and Items6. Security of Your Mobile Device and Account Information7. Image Quality8. Endorsements and Procedures9. Receipt of Checks and Items; Crediting10. Availability of Funds11. Temporary Retention and Disposal of Transmitted Checks and Items12.

4 Deposit Limits13. Presentment14. Promises You Make to Us; Indemnity15. Changes to MDS16. Ownership and License17. Questions18. M&T Flash Funds H. Zelle Service (for Personal Accounts)1. Your Representations on Authority and Use of the Service2. Registering for the Service3. Consent to Emails and Automated Text Messages4. Receiving Money; Money Transfers by Network Banks5. Sending Money; Timing of Payments6. Liability7. Send Limits8. Requests for Money9. Transaction Errors, Your Liability for Unauthorized Transfers, and Liability for Failure to Complete Transfers10. Fees11. Disclaimer of Warranties and Limitation of Liability12. Indemnification13. Miscellaneous14. Wireless Operator DataI. Direct Connect1. Fee2. Software Requirements3.

5 Your Use of the Direct Connect Service4. Security of Your Account Information5. Changes to DCS6. Liability7. MiscellaneousJ. Alerts Service1. Security Alerts:2. Optional Alerts:3. Terms Applicable to All Alerts:K. M&T Money Smart Service (Personal Accounts)1. Providing Accurate Information2. Content You Provide3. Power of Attorney4. Non-M&T Accounts5. Limitations of M&T Money Smart6. Changes7. Privacy8. Ownership9. User Conduct10. Indemnification11. Disclaimer of Warranties12. LIMITATION OF LIABILITY13. Fees14. Suspension of AccessL. M&T BizPay: ACH, Wire Transfers and Real-Time Payments Digital Services (Business Accounts)M. General Provisions for Digital Services1. What Law Applies2. Force Majeure3. Authorization4. International Access5.

6 Entire Agreement , Waiver6. Amendment7. Assignment8. Customer Service9. Cancellation10. Notices and Change of Address11. Electronic Messaging12. General Limitation of Liability13. Your Liability for Unauthorized Transfers14. Error Resolution Notice15. Dispute Resolution16. Customer Requests and Error Resolution Notice and Procedures (Mortgage Accounts)17. Customer's Liability18. Limitation on Our Liability19. Customer Warranties20. Limitations on Transfers and Use of Digital Services21. Information Sharing22. Privacy23. Account Statements24. Eligible Account Information25. Administrator and Authorized Users26. Third Party Services and Websites27. Your Conduct and Indemnity28. Addition of Personal Accounts and Mortgage Accounts to M&T Online Banking for Business29.

7 Additional Miscellaneous General ItemsN. Digital Services Fee Schedule1. Digital Services Fees for Personal Accounts:2. Digital Services Fees for Business Accounts:3. Digital Services Fees for Mortgage Accounts:4. Additional Fee-Related Information For Personal Accounts, Mortgage Accounts and Business AccountsA. Preliminary General ProvisionsThe following preliminary general provisions apply to all Digital Services , unless otherwise In this Agreement , the following terms have the indicated meanings:Definitions. means the individual who will act on a Business's behalf as the primary contact with M&T and who isauthorized to give M&T Instructions about a Business's Eligible Accounts (and all means of accessing each account ( ,debit card)) and Authorized Users.

8 "Administrator" means this M&T Digital Services Agreement , including any addenda and riders, and also including anyadditional terms and conditions set forth on My Mortgage Info, which is available on the Digital Services platform, as theymay be amended or modified from time to time." Agreement " means an individual granted authority by an Administrator to access and use the Digital Services onbehalf of the Business."Authorized User" means a corporation, partnership, limited liability company, or other organization or sole proprietor whoseEligible Accounts are used primarily for business and commercial purposes."Business" means an Eligible Account owned by a Business."Business Account" means Monday through Friday, excluding federal holidays.

9 Reference to time shall be to Eastern Time."Business Day" means the personal identification number from an M&T card ( , M&T ATM card, M&T debit card) and themulti-digit card number associated with the card. Card Data may also include other information on the card."Card Data" means each Consumer or Business who is an owner of an Eligible Accountor other relationship that is accessible through the Digital Services and any individual or Business authorized to use aDigital Service."Customer" or "you," "your," or "yours" means any claim, suit, expense, loss, liability or cost of any nature including, but not limited to, attorneys'fees and expenses."Damages" means the financial Services and products and the functions available now or in the future to theCustomer through online, mobile or any other Digital channel that we may support now or in the future.

10 Please refer to theAgreement's introductory paragraph for further information on the definition of Digital Services . The term " Digital Service"is a generic reference to a service offered under this Agreement . Not all electronic Services offered by M&T are part ofthe Digital Services or are covered by this Agreement (refer to for more information)." Digital Services "Section M29(f) means the account and loan statements, notices ( , NSF notices, IRA and certificate ofdeposit renewal or maturity notices), disclosures ( , deposit account related change-in-terms notices) and othercommunications, documents or materials for specified types of Eligible Accounts and Services that we may makeavailable electronically, now or in the future, through the electronic Statements and Notices service.