M&T Bank Corporation announced on September 22, 2026, that it has refreshed its Medium-Term Note Program. This program authorizes the company to issue Senior Medium-Term Notes, Series C, and Subordinated Medium-Term Notes, Series D, from time to time.

The Series C Notes are governed by an Indenture dated May 24, 2007, supplemented by a Third Supplemental Indenture dated August 16, 2022. This agreement is between M&T Bank and The Bank of New York Mellon, acting as the Senior Note Trustee. The Series D Notes are issued under a separate Indenture dated September 22, 2023, also with The Bank of New York Mellon as the Subordinated Note Trustee.

Both series of notes have been registered under the Securities Act of 1933 via a registration statement on Form S-3, File No. 333-299064, filed on September 22, 2026.

The filing includes a Distribution Agreement dated September 22, 2026, between M&T Bank Corporation and RBC Capital Markets, LLC, along with other agents listed on Schedule I, regarding the issuance of the Series C and Series D Notes.