M&T BANK EMERALD ADVISORY SERVICES

Financial services, namely, providing financial analysis, financial consultation, financial planning, financial management, commercial and consumer lending and commercial leasing services, namely, leasing of real property, equipment and automobiles; mortgage lending, loan financing, HELOC financing, cash management, mortgage banking, safety deposit box services, and financial account services, namely, deposit services, payment services, withdrawal services, checking services, issuing certificates of deposit, money-market services, deposit account services, calculation and provisioning of interest, fee assessment, customer service, and support and servicing of financial accounts; retail banking services, namely, consumer and small business banking services; corporate trust services, namely, corporate financing, municipal financing and debt financing services, namely, escrow agency, paying agency, document custodian agency and agency services for collateral, namely, securities, mutual funds, monies, documents, property, both real and personal, and asset custody services; mortgage and asset securitizations and trustee services, namely, acting in a fiduciary capacity on behalf of bondholders with respect to authentication and delivery of bonds and periodic reviews of indenture covenants to confirm compliance therewith; credit card services; debit card services; electronic payment, namely, electronic processing and transmission of bill payment data; automated teller machine services; insurance services, namely, consultation, brokerage and administration services; investment services, namely, providing investment analysis, consultation, planning, management, advisory, brokerage, banking, financial portfolio management, certificates of deposit, financial asset management, private banking, trust and estate management and financial research services with respect to securities, commodities, real estate and other instruments of investment; securities trade execution and brokerage services; mutual fund administration services; financial and investment consulting, management and advisory services, providing information on investment and securities performance, investment and securities brokerage services; treasury management services, namely, fund transfer services, cash management services and foreign exchange services in the nature of foreign exchange transactions, foreign exchange information services, and foreign exchange risk advisory services; providing banking, financial, investment and insurance consultation and information via computer networks and telecommunication networks for the electronic, telephonic and telefacsimile transmission of audio and data; and providing interactive banking, financial, investment and insurance consultation via computer networks, internal computer information networks and telecommunication networks for the electronic, telephonic and telefacsimile transmission of audio and data; Retail banking services, namely, consumer and small business banking service; Corporate trust services, namely, corporate financing, municipal financing and debt financing services, trust and agency services for collateral, custody services, mortgage and asset securitizations and trustee services, namely, acting in a fiduciary capacity on behalf of bondholders with respect to authentication and delivery of bonds and periodic reviews of indenture covenants to confirm compliance therewith; Credit card services; Debit card services; Electronic payment, namely, electronic processing and transmission of bill payment data; Automated teller machine services; Investment services, namely, providing investment analysis, consultation, planning, management, advisory, brokerage, banking, portfolio management, certificates of deposit, asset management, private banking, trust and estate management and research services with respect to securities, commodities, real estate and other instruments of investment; Securities trade execution and brokerage services; Mutual fund administration services; Insurance services, namely, consultation, brokerage and administration services; Financial and investment consulting, management, advisory services, providing information on investment and securities performance, investment and securities brokerage services; Treasury management services, namely, funds transfer services, cash management services and foreign exchange services; Providing banking, financial, investment and insurance consultation and information via computer networks and telecommunication networks for the electronic, telephonic and telefacsimile transmission of audio and data; and providing interactive banking, financial, investment and insurance consultation and information via computer networks, internal computer information networks and telecommunication networks for the electronic, telephonic and telefacsimile transmission of audio and data