Last Updated: December 16, 2024

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 following sites: www3.mtb.com/ccpa and/or wilmingtontrust.com/privacy-security/privacy-notices.  All changes will become effective as of the Last Updated date listed at the top of the Notice. We encourage you to regularly check these websites 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 cover our collection and use of information when you visit those websites.

Please note that the rights set forth within this Notice do not apply with respect to information that we collect about California residents who apply for or obtain our financial products and services for personal, family, or household purposes. For more information about how we collect, disclose, and secure information relating to these products or services, please refer to our US Consumer Privacy Notice. Customers of M&T Equipment Finance Corp. may find their applicable California Consumer Privacy Notice here: www.mtb.com/ccpa-efc. All M&T Bank Privacy Notices may be found at the M&T Privacy and Preference Center: www.mtb.com/help-center/bank-policies/privacy-preference-center, and all Wilmington Trust Privacy Notices may be found at: www.wilmingtontrust.com/privacy-security/privacy-notices.

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.

We do not collect the following pieces of information on our consumers in-scope for CCPA: commercial information, including products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies; sensory data; neural data; or inferences drawn from other Personal Information (personal preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes). We also do not collect or process Sensitive Personal Information for the purpose of inferring characteristics about a consumer.

We retain your Personal Information for the life of your customer relationship with us. Once your customer relationship is terminated, the length of time that we intend to retain each category of Personal Information will depend on several criteria, including (i) the length of time we are required to retain Personal Information in order to comply with applicable legal and regulatory requirements, (ii) the length of time we may need to retain Personal Information in order to accomplish the business or commercial purpose(s) for which such Personal Information is collected, used, or disclosed, as set forth in this Notice.

We use and disclose for our business purposes the categories of Personal Information, including Sensitive Personal Information, relating to California residents as cited in Section 1 of this Notice to operate, manage, and maintain our business, to provide our products and services, and to accomplish our business or commercial purposes, including the following:

• Performing services, including maintaining or servicing accounts, providing customer service, processing or fulfilling orders and transactions, verifying customer information, processing payments, providing financing, providing advertising or marketing services providing analytic services, facilitating event management and execution, managing our real estate portfolio, or providing similar services reasonably expected by the consumer who requests those services;
• To prevent, detect and investigate security incidents that compromise the availability, authenticity, integrity or confidentiality of stored or transmitted personal information;
• To resist malicious, deceptive, fraudulent, or illegal actions directed at the business and to prosecute those responsible for those actions;
• Helping to ensure security and integrity to the extent the use of Personal Information is reasonably necessary and proportionate for these purposes;
• For short-term, transient use such as locating a branch or ATM;
• To ensure the physical safety of natural persons;
• To verify or maintain the quality or safety of a product, service, and to improve, upgrade, or enhance the product or service;
• Debugging to identify and repair errors that impair existing intended functionality;
• Undertaking internal research for technological development and demonstration; and
• Complying with laws and regulations and to comply with other legal processes and law enforcement requirements (including any internal policy based on or reflecting legal or regulatory guidance, codes or opinions).

With respect to each category of Personal Information that we disclosed for a business purpose, the categories of persons or entities to whom we disclose that Personal Information are:

• M&T Bank Affiliates and its Subsidiaries;
• Service Providers and Contractors who provide services such as website hosting, data analysis, payment processing, order fulfillment, information technology and related infrastructure, customer service, email delivery, auditing, marketing, marketing research activities, credit financing, event management, and real estate management;
• Other Service Providers and Contractors who provide services such as payment, banking and communication infrastructure, storage, legal expertise, tax expertise, real estate expertise, appraisal expertise, notaries and auditors, who promote the bank and its financial services and products to customers and other prospective buyers;
• Other Service Providers and Contractors who enable customers to conduct transactions online and via mobile devices, support mortgage and fulfillment services, vehicle loan processes and aggregators (at the direction of the customer);
• Other persons or entities to whom we transfer Personal Information as an asset that is part of a merger, acquisition or other transaction in which such other person or entity assumes control of all or part of the business;
• Government Agencies as required by laws and regulations; and
• Other persons or entities with which you may use or direct us to intentionally interact or to which you may use or direct us to intentionally disclose your Personal Information.

We do not disclose Personal Information to any other categories of third parties.

M&T Bank Corporation does not sell or share your Personal Information, therefore any rights that may be afforded to you under CCPA related to the selling or sharing of your Personal Information do not apply. M&T Bank Corporation also does not knowingly sell or share the Personal Information of minors under the age of 16. 

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

• Request for the prior 12 months:

                o    categories and/or specific pieces of personal information that we collected;

                o    categories of sources from whom we collected the information;

                o    purpose for collecting the information;

                o    categories of third parties to whom we disclosed the information and the categories of information that were disclosed; and/or

                o    the purpose for disclosing the information.

• The right to request deletion of your Personal Information that we process, subject to certain exemptions.
• The right to correct inaccurate Personal Information.

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 the 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.

For customers of M&T Bank, call toll-free 1-800-724-2440, contact your relationship manager, or visit www3.mtb.com/ccpa-info-request

For customers of Wilmington Trust, contact your relationship manager, call toll-free 1-866-771-7777, email ConsumerRequest@wilmingtontrust.com, or visit www.wilmingtontrust.com/ccpa-info-request

We must verify your identity in order to process your request. We typically 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, correction 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. If we need an extension for up to an additional 45 days in order to process your request, we will provide you with an explanation for the delay.

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 or Wilmington Trust 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. 

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 request. 

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.

From December 1, 2023 – December 1, 2024, M&T Bank, Wilmington Trust, and their Affiliates or Subsidiaries received two (2) access requests and four (4) deletion requests from individuals. One (1) access request was granted, and one (1) was denied. Four (4) deletion requests were denied. No requests to correct were received during this time period.

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