Investor Presentaiton

8 Prudent Stewards of Shareholders' Capital How we think about capital allocation Disciplined return criteria - lending and investments Results Higher return earning asset mix Moderate dividend payout Acquisitions that clearly present value creation One of two S&P 500 banks to maintain dividend through the Great Financial Crisis History of accretive acquisitions Consistently return excess capital to investors Top quartile returns; best-in-class EPS growth M&T Bank Corporation

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