M&T Bank : Small Business

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Internet Rates

Rates are good as of: May 1, 2008
Current M&T Bank Prime Rate: 5.00%

Type of Account	Amount	Fixed Rate*

Business Installment Loan** (24 to 60 month term loan for longer term financing)	$25,000 - $99,999	7.00%

* Subject to Credit Approval. Internet rates are available for new credit requests when payments are automatically deducted from an M&T business checking account.
** This account is subject to a $100 one-time, non-refundable documentation fee which may be included as part of the loan amount.

Type of Account	Amount	Six Month Introductory Rate***	Base Rate***

Business Access Line of Credit**** (Revolving line for seasonal or short term cash needs)	$25,000 -$100,000	Prime minus 1% (Currently 4.00%)	Prime plus 0.50% (Currently 5.50%)

*** Subject to Credit Approval. Actual rates may vary and are determined by credit qualifications. "Prime" refers to M&T's announced Prime Rate, which may be changed at any time.
**** The account is subject to an annual fee, which will be automatically charged to the account each year