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M&T Bank. 5.625% Fixed-to-Floating Rate Non-Cumulative Perpetual Preferred Stock, Series A

From and including December 15, 2026, if declared, dividends will be payable on the liquidation preference amount, on a non-cumulative basis, at a floating rate equal to three-month LIBOR plus a spread of 4.02% per annum, payable quarterly in arrears, on March 15, June 15, September 15 and December 15 of each year.

Originally Peoples Financial. M&T Bank acquired Peoples Financial on 4/1/2022.

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