Last Updated: February 6, 2023

This Privacy Notice may be amended or updated from time to time to reflect changes in our Personal Information processing activities, or changes in applicable law. When a change is made, we will post the updated version of this Privacy Notice to the M&T Bank website or Wilmington Trust website. All changes will become effective as of the Last Updated date above. We encourage you to regularly check the website to review any changes which we may make, and to review our M&T Digital Privacy Notice or the Wilmington Trust Digital Privacy Notice, which covers our collection and use of information when you visit those websites.

To obtain a version of this notice in larger print, please call 1-800-724-2440.

Section 1: Categories of Personal Information Collected in the last 12 months

We obtain the categories of Personal Information listed above from:

• you or your authorized agents directly at account opening;
• documents that you provide to us;
• third parties that interact with us in connection with the services we perform (e.g., credit bureaus);
• during account maintenance from you or your authorized agent on forms as required by law.
• We may also obtain your Personal Information from advertising networks, internet service providers, data analytics providers, government entities, operating systems and platforms, and social networks.

Failure to provide this information will prevent us from conducting business with you. This information may be combined with other personal data, including criminal convictions and offences, that we obtain from third party or publicly-accessible sources for the purposes of compliance with a legal obligation.

We do not collect the following pieces of information on our consumers: commercial information (purchasing of consumer histories or tendencies); sensory data; education information; or inferences drawn from other Personal Information (personal preferences, characteristics, psychological trends, redispositions, behavior, attitudes, intelligence, abilities, and aptitudes).

We retain your Personal Information for the life of your customer relationship with us. Once your customer relationship is terminated, we will continue to retain your Personal Information only for as long as it is needed for the purposes set forth in this Privacy Notice, and for no longer than the maximum time period allowable under applicable law and regulation.

Section 2: Disclosure of Personal Information

In accordance with applicable law, we may disclose your Personal Information to:

Affiliates which include our related companies by common ownership or control

Governmental and Judicial Bodies which include national and local government agencies, regulatory bodies, law enforcement agencies and courts

Third Parties which include service providers, auditors, attorneys, and other professional advisors. Third Parties are subject to contractual obligations to only process the Personal Information in accordance with our instruction, and to use measures to protect the confidentiality and security of your Personal Information.

Note: M&T Bank Corporation does not sell your Personal Information, therefore any rights that may be afforded to you under CCPA related to the sale of your Personal Information do not apply.

Section 3: Your Legal Rights

Subject to applicable law, you may have the right to exercise the following:

• The right to request access to, or copies of, your Personal Information that we have collected, used, or disclosed for the previous 12 months.
• The right to request deletion of your Personal Information that we process
  

Household Requests - We currently do not collect household data. If multiple members of the household make a right to access or right to deletion request, we will respond as if the requests are individual requests.

To exercise rights under the CCPA, you must be a current resident of State of California. Only you, your authorized agent (a person or business entity registered with the California Secretary of State to conduct business in that state), or a person or entity to whom you have granted Power of Attorney to act on your behalf, may make a verifiable consumer request related to your Personal Information. You may also make a verifiable consumer request on behalf of your minor child.

To exercise your access or deletion rights, please use this form to submit a Consumer Rights request or:

• For customers of M&T Bank, call toll-free 1-800-724-2440 or contact your relationship manager. 
• For customers of Wilmington Trust, contact your relationship manager, or call toll-free 1-866-771-7777, or email ConsumerRequest@wilmingtontrust.com.

We must verify your identity in order to process your request. We do this by verifying your name, address, and the last four digits of your Social Security Number, so please include this information in your request. We may reach out for additional information to complete this process.

Please also include your email address if you wish to receive your response via email, as well as the nature of your request (access to or deletion of your data). We will acknowledge receipt of your request within ten days and will provide a response to your request within 45 days. 

Authorized Agent

You may appoint an Authorized Agent to submit a request on your behalf. In order to do so, you must provide the appropriate documentation to M&T Bank or Wilmington Trust (Power of Attorney or proof of filing with the Secretary of State). In order for your authorized agent to act on your behalf, they must supply the appropriate documentation and verify their identity at the time they place the requst.

Please note there are instances in which M&T Bank or Wilmington Trust is required to maintain, or otherwise is not required to delete, your Personal Information. For example, M&T Bank is not required to delete your information if it is being used:

• To complete a transaction or provide a good or service requested by you;
• To detect security incidents or protect against malicious, deceptive, fraudulent, or illegal activity;
• To enable solely internal uses based on your relationship with us, such as a Do Not Solicit request;
• To comply with a legal obligation, such as federal recordkeeping requirements; or
• Internally, in a lawful manner that is compatible with the context in which you provided the information.

California Non-Discrimination

California prohibits businesses from discriminating against you for exercising any rights under the CCPA, including, but not limited to, by:

• Denying you goods or services;
• Charging you different prices or rates for goods or services, including through the use of discounts or other benefits or imposing penalties;
• Providing you a different level or quality of goods or services; or
• Suggesting that you will receive a different price or rate for goods or services or a different level or quality of goods or services.

Consumer Rights Requests Metrics

M&T Bank and Wilmington Trust have received zero (0) access, opt out, or deletion requests and has denied zero (0) requests as of July 1, 2021.

Section 4: Defined Terms

Questions about our Privacy Practices

If you have questions or concerns about our privacy notices or practices, please contact us at:

• For customers of M&T Bank Corporation, call toll-free 1-800-724-2440.
  
• For customers of Wilmington Trust, contact your relationship manager, or call toll-free 1-866-771-7777