M&T Securities, Inc. is licensed as an insurance agent and acts as agent for insurers. Insurance policies are obligations of the insurers that issue the policies. Insurance products may not be available in all states. Insurance products are offered by M&T Insurance Agency, Inc., not by M&T Bank. Investment and Insurance Products: • Are NOT Deposits • Are NOT FDIC Insured • Are NOT Insured By Any Federal Government Agency • Have NO Bank Guarantee • May Lose Value Brokerage services are offered by M&T Securities, Inc. (member FINRA / SIPC ), not by M&T Bank. Multi-national financial corporation providing insurance, investment, retirement, and mortgage products and services to businesses and individuals. News releases, investor relations, demutualization report, employment, Smithsonian partnership.