You can count on us because, more than 150 years after being founded, M&T Bank is one of the best performing regional banks in the nation today. With a longstanding tradition of careful, conservative and consistent management, we've generated positive earnings and positive capital-despite the ongoing turbulence in the economy. And we continue to grow with a focus on the future. M&T offers a wide array of financial solutions for your personal, business and commercial banking needs, designed to accommodate the way you bank today, while helping you build financial security for the future. We look forward to working with you to find the right solutions for your situation Times like these call for a financial services partner that has stood the test of time. Established in 1856 as Manufacturers and Traders Bank, today we're the M&T Bank Corporation, one of the 20 largest US headquartered commercial bank holding companies, with current assets of $79 billion (as of June 1, 2011) and more