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Investor Presentaiton

13 Meeting Evolving Needs: Talent Is the Greatest Differentiator + Seasoned, Skilled, and Stable •19-year average tenure for executive management • Talent development programs span 4 decades • Only 3 CEOs, 4 CFOs, and 2 CCOS in 39 years • • Increasingly Diverse More than 40% of our Board of Directors team is diverse Several diversity recognition programs and initiatives • • New Capabilities Digitally forward, locally focused Enhanced team with new skill sets including design engineers and anthropologists to solve problems & deliver solutions ⚫ Partnerships with Fintechs to innovate and create customer solutions Delivering for our customers M&T Bank Corporation

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