St. John v18 n1

Building relationships is important. Building relationships is important. Building relationships is important.

Understanding what’s important. At M&T, we know that growing and maintaining strong relationships with our customers truly matters. This is how our experienced origination, underwriting and asset management teams provide financing solutions that meet each borrower’s unique needs. And our customers like the way we do business. We’re proud that 75% of our new business comes from repeat borrowers. Find out how you can become one of them. Understanding what’s important. At M&T, we know that growing and maintaining strong relationships with our customers truly matters. This is how our experienced origination, underwriting and asset management teams provide financing solutions that meet each borrower’s unique needs. And our customers like the way we do business. We’re proud that 75% of our new business comes from repeat borrowers. Find out how you can become one of them. Understanding what’s important. At M&T, we know that growing and maintaining strong relationships with our customers truly matters. This is how our experienced origination, underwriting and asset management teams provide financing solutions that meet each borrower’s unique needs. And our customers like the way we do business. We’re proud that 75% of our new business comes from repeat borrowers. Find out how you can become one of them.

Louis Topper 410-545-2456 ltopper@mtb.com L uis Topper 410-545-2456 ltopper@mtb.com

Louis Topper 410-545-2456 ltopper@mtb.com

Equal Housing Lender. Based on internal customer data. All loans and terms referenced herein are subject to credit approval and other conditions. 2707 (6/18) ©2018 M&T Bank. Member FDIC. mtb.com Equal Housing Lender. Based on internal customer data. All loans and terms referenced herein are subject to credit approval and other conditions. 2707 (6/18) ©2018 M&T Bank. Member FDIC. mtb.com

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