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Wilmington Trust is a registered service mark used in connection with various fiduciary and non-fiduciary services offered by certain subsidiaries of M&T Bank Corporation including, but not limited to, Manufacturers & Traders Trust Company (M&T Bank), Wilmington Trust Company (WTC) operating in Delaware only, Wilmington Trust, N.A. (WTNA), Wilmington Trust Investment Advisors, Inc. (WTIA), Wilmington Funds Management Corporation (WFMC), and Wilmington Trust Investment Management, LLC (WTIM). Such services include trustee, custodial, agency, investment management, and other services. Loans, credit cards, retail and business deposits, and other business and personal banking services and products are offered by M&T Bank, member FDIC.

M&T Bank Corporation’s European subsidiaries (Wilmington Trust (UK) Limited, Wilmington Trust (London) Limited, Wilmington Trust SP Services (London) Limited, Wilmington Trust SP Services (Dublin) Limited, Wilmington Trust SP Services (Frankfurt) GmbH and Wilmington Trust SAS) provide international corporate and institutional services.

WTIA, WFMC, and WTIM are investment advisers registered with the U.S. Securities and Exchange Commission (SEC). Registration with the SEC does not imply any level of skill or training. Additional Information about WTIA, WFMC, and WTIM is also available on the SEC's website at adviserinfo.sec.gov.

Private Banking is the marketing name for an offering of M&T Bank deposit and loan products and services.

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Investment and Insurance Products • Are NOT Deposits • Are NOT FDIC Insured • Are NOT Insured By Any Federal Government Agency • Have NO Bank Guarantee • May Go Down In Value

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A Thanksgiving Message from M&T Bank Chairman and CEO René Jones

This has been a strange and difficult year. The pandemic continues to disrupt our lives and keep many of us apart from those we love the most. That’s especially tough now, during a season traditionally marked by the gathering of family and friends in celebration and gratitude.

But even in the most difficult of times, we can still find opportunities to be grateful. And I, this year more than any other, am thankful for the opportunity to support you. I’m grateful and honored that you’ve chosen us to help see you through this time of uncertainty.

We’re going to get through this together. As a bank for communities, we know that’s what being part of a community is all about.

On behalf of my more than 17,000 M&T Bank and Wilmington Trust colleagues, I wish you and yours a safe and happy holiday season.

René F. Jones

Chairman of the Board and Chief Executive Officer