Before using the website, you should carefully read the following Terms and Conditions. The MTBIA website is provided for information purposes only.

This Agreement ("Agreement") describes the terms and conditions on which you are allowed access and use the MTBIA Website and various other related web pages and sites (collectively, the "Website") operated by the MTB Investment Advisors ("MTBIA"), a subsidiary of Manufacturers and Traders Trust Company) (collectively, "we", "our" or "us"). Your use of the Website constitutes your agreement to all such terms, conditions, and notices. If you do not agree to abide by these terms and conditions, do not use the Website. Additionally, some of the web pages on the Website may provide services, features or offers under their own terms and conditions of use and you agree to comply with such terms of use in your use of those services. In the event of a conflict, the additional terms and conditions will govern for those sections or pages.

1. LIMITED LICENSE. We grant you a non-exclusive, non-transferable, limited license to access, use and display the Website and the content and materials thereon ("Content") and any software that may be necessary to access or use the Website. You acknowledge and agree that the Content presented to you through the Website is protected by copyright, trademark, patent or other proprietary rights and laws. The Website and Content are provided only for your personal, non-commercial use. You are also granted a limited license to print copies of any Content posted at the Website, but only for your personal, non-commercial use. Except as provided above, all rights are reserved. Use of any of our trademarks as metatags on other Web sites also is strictly prohibited. You may not display the Website, or any portion thereof, in frames (or any of the Content via in-line links) without our express written permission.

2. DISCLAIMERS. WE ARE NOT RESPONSIBLE FOR ANY INACCURACIES, ERRORS (INCLUDING TYPOGRAPHICAL ERRORS) OR OMISSIONS, OR FOR THE RESULTS OBTAINED FROM THE USE OF THE SITES OR THE CONTENT. THE SITES, ALL CONTENT AND ANY OF THE SERVICES INCLUDED IN OR AVAILABLE THROUGH THE SITES ARE PROVIDED "AS IS" AND "AS AVAILABLE", WITH NO GUARANTEE OF COMPLETENESS, ACCURACY (EITHER WHEN POSTED OR WITH THE PASSAGE OF TIME), TIMELINESS OR OF THE RESULTS OBTAINED THEREFROM, AND WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO WARRANTIES OF TITLE, NON-INFRINGEMENT, PERFORMANCE, MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE OR USE. IN ADDITION, M&T MAKES NO REPRESENTATIONS, WARRANTIES OR GUARANTEES THAT THE SITES WILL BE SECURE, ACCESSIBLE CONTINUOUSLY AND WITHOUT INTERRUPTION, OR ERROR FREE. YOU AGREE THAT UNDER NO CIRCUMSTANCE WILL WE OR OUR AGENTS, OFFICERS OR EMPLOYEES THEREOF BE RESPONSIBLE FOR OR LIABLE TO YOU OR ANYONE ELSE FOR: ANY CONTENT CONTAINED ON OR OMITTED FROM THE SITES; ANY PERSON'S RELIANCE ON ANY SUCH CONTENT, WHETHER OR NOT THE CONTENT IS COMPLETE, CURRENT OR CORRECT; ANY VIRUSES OR DEFECTS THAT MAY BE FOUND TO EXISTS IN THE SITES, THE CONSEQUENCES OF ANY DECISION YOU OR ANY OTHER PERSON TAKES OR FAILS TO TAKE WHETHER OR NOT BASED ON CONTENT PROVIDED BY OR RESULTING FROM USE OF THE SITES. THE CONTENT, AND ANY ADVICE RECEIVED VIA THE SITES, IS NOT INTENDED, AND SHOULD NOT BE RELIED UPON, FOR PERSONAL, LEGAL, TAX OR FINANCIAL DECISIONS AND YOU SHOULD CONSULT AN APPROPRIATE PROFESSIONAL FOR SPECIFIC ADVICE TAILORED TO YOUR SITUATION. IF YOU ARE DISSATISFIED WITH ANY PORTION OF THE SITES, OR WITH ANY OF THESE TERMS OF USE, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USING THE SITES.

3. LIMIT ON DAMAGES. WE, OUR AGENTS, OFFICERS OR EMPLOYEES AND AFFILIATES, SHALL NOT BE LIABLE FOR ANY LOSS OF PROFITS, LOSS OF USE, LOSS OF DATA, INTERRUPTION OF BUSINESS, NOR FOR INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES OF ANY KIND, WHETHER UNDER THIS AGREEMENT OR OTHERWISE ARISING IN ANY WAY IN CONNECTION WITH THE WEBSITE, THE SOFTWARE OR THE CONTENT OR ANY SERVICES PROVIDED THROUGH THE WEBSITE REGARDLESS OF WHETHER SUCH CLAIM ARISES UNDER ANY THEORY OF TORT, CONTRACT, STRICT LIABILITY OR OTHERWISE AND REGARDLESS OF WHETHER WE ARE ADVISED OF THE POSSIBILITY OF ANY SUCH DAMAGES. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF INCIDENTAL OR CONSEQUENTIAL DAMAGES, SO THE ABOVE EXCLUSION OR LIMITATION MAY NOT APPLY TO YOU.

4. LINKS TO THIRD PARTY SITES. As a convenience to you, we may provide links to Web sites operated by others ("Linked Website"). Linked Websites are not under our control and we are not responsible for the contents thereon. If you use a Linked Website, you will leave the Website and you do so at your own risk. It is your responsibility to take all protective measures to guard against viruses or other destructive elements and understand the privacy policies of the Linked Website. We make no warranty or representation regarding, and do not endorse, any Linked Website or the information appearing thereon or any of the products or services described thereon.

5. Privacy. Use of the Website is governed by the MTBIA Privacy Policy and Internet Privacy policy. Click here to learn more about the information we collect from cookie files. Click here for the MTBIA Privacy Policy.

6. Indemnity. You agree to indemnify M&T and its directors, officers and employees against any liabilities, losses, expenses or other costs M&T incurs arising from a breach of any of the terms hereof by you and for the content of any message sent using the Email Service.

7. Suspension and Termination. We reserve the right, in our sole discretion, to modify, terminate and/or suspend your access to the Website, the related services and this Agreement or any portion thereof at any time, without notice. We may also impose limits on certain features and services or restrict your access to parts or the entire Website without notice or liability. We may also, in our sole discretion, and at any time discontinue providing the Website, or any part thereof, with or without notice.

8. Amendments; Modifications. We reserve the right, in our sole discretion, to change, modify, add or remove any portion of this Agreement in whole or in part, at any time, by posting the amended terms on the Website. The new terms shall automatically be effective and binding on you 30 days after they are initially posted on the Website. Your continued use of the Website after any changes to this Agreement are posted will be considered acceptance of those changes. This Agreement may not otherwise be amended.

9. Governing Law. This Agreement is governed by the laws of the State of New York, U.S.A, without regard to its principles of conflict of laws. The Website is not intended for distribution to, or use by, any person or entity, or any jurisdiction or country where such distribution or use would be contrary to local law or regulation, would subject us or any of our affiliates to any liability or would not give effect to all of the provisions in this Agreement.

10. Use For Illegal Activities Prohibited. It is prohibited to use the Website in violation of the terms herein, in any manner which could damage, disable, interrupt, overburden, or impair the Website or interfere with any other party's use and enjoyment of the Website or for any illegal activities. Illegal activities include, but are not limited to, tampering with information data bases and software, unauthorized entry to other networks or computers, trafficking in illegal products or substances, disobeying trade restrictions, violating civil rights laws or knowledgeable vandalism or destruction of online files. You shall comply with all applicable laws, statutes, ordinances and regulations regarding your use of the Website including U.S. export laws and regulations, which regulate the distribution of materials and services originating in the United States.

11. Agreement To Arbitrate. All disputes relating to this Agreement, use of the Website or the Content or the services provided hereunder shall be subject to final and binding arbitration, with the losing party paying all costs of arbitration. Any arbitration relating to this Agreement shall be held in Erie County New York, under the rules of the American Arbitration Association.

12. Complete Agreement/No Representations. This Agreement constitutes the entire agreement between you and us relating to your access to and use of the Website and supersedes any prior or contemporaneous representations or agreements, whether electronic, oral or written. Our failure to insist at any time upon strict compliance with any term of this Agreement, or any delay or failure on our part to exercise any power or right given to us in this Agreement, or a continued course of such conduct on our part shall at no time operate as a waiver of such power or right, nor shall any single or partial exercise preclude any other future exercise. All rights and remedies given to us in this Agreement are cumulative and not exclusive of any other rights or remedies, which we otherwise have at law or equity. Any rights not otherwise expressly granted by this Agreement are reserved by us. Captions are for convenience only. If any part of this Agreement is determined to be invalid or unenforceable pursuant to applicable law including, but not limited to, the warranty disclaimers and liability limitations set forth above, then the invalid or unenforceable provision will be deemed superseded by a valid, enforceable provision that most closely matches the intent of the original provision and the remainder of the agreement shall continue in effect. The provisions of this Agreement which expressly or by implication are intended to survive its termination or expiry will survive and continue to bind both of us.