M&T FINANCIAL SERVICES

Financial services, namely, providing financial analysis, financial consultation, financial planning and financial management; insurance services, namely, consultation, brokerage and administration services; investment services, namely, providing investment analysis, consultation, planning, management, advisory, brokerage, financial portfolio management, certificates of deposit, financial asset management, and financial research services with respect to securities, real estate and other instruments of investment; securities trade execution and brokerage services; financial and investment consulting, management and advisory services, providing information on investment and securities performance, investment and securities brokerage services; providing financial, investment and insurance consultation and information via computer networks and telecommunication networks for the electronic, telephonic and telefacsimile transmission of audio and data; providing interactive 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