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Terms:

You will receive your $50 credit to your new account within 90 days of opening your new personal checking account online. Limit one $50 incentive per household every 6 months. Offer valid only for new MyAccess Checking® accounts. You must use the Offer Code GROUP and fund your account with the $25 minimum opening deposit requirement within 30 days in order to qualify for this offer. We may report the value of any premium to the IRS. Offer expires on 12/31/2009. Offer may be withdrawn or modified at any time without notice. The $50.00 credit can only be made to your new account. This new account must be still open at this time to receive your $50.00 credit. We may report to the IRS the value of any premium. Any applicable taxes are the responsibility of the recipient. Please consult a banking center associate, visit www.bankofamerica.com or see our Personal Schedule of Fees for more information.”

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Terms:

1. One cash bonus per personal checking account for activating direct deposit within 90 days of account opening. Bonus will be credited to the account after the first direct deposit is made and is reportable for tax purposes. Bonus offer is not available on all checking accounts, may vary by product and region, is limited to one per customer, is subject to change at any time at our sole discretion without notice, and is not available to employees of M&T Bank or any of its affiliates.

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