1、M&T BANK CORPORATION2 0 0 4ANNUAL REPORTM&T BANK CORPORATION /2 0 0 4 ANNUAL REPORTM&T BANK CORPORATIONDIVIDENDA plan is available to common stockholders whereby they may invest their REINVESTMENT PLANdividends and voluntary cash payments in additional shares of M&T BankCorporations common stock.INQ
2、UIRIESRequests for information about the Dividend Reinvestment Plan and questionsabout stock certificates or dividends should be addressed to M&T BankCorporations transfer agent,registrar and dividend disbursing agent:Registrar and Transfer Company10 Commerce Drive Cranford,NJ 07016-3572800/368-5948
3、Internet address:Questions on other matters and requests for additional copies of thispublication or annual or quarterly reports filed with the United StatesSecurities and Exchange Commission(SEC Forms 10-K and 10-Q),which are available at no charge,may be directed to:M&T Bank CorporationShareholder
4、 Relations DepartmentOne M&T Plaza,12th FloorBuffalo,NY 14203-2399716/842-5445E-mail address:INTERNET ADDRESSQUOTATION AND TRADING OFM&T Bank Corporations common stock is traded under the symbol MTB COMMON STOCKon the New York Stock Exchange.COVER ART:Created by Syracuse ceramist David MacDonald,Unt
5、itled Plate is part of the permanent collection at the Everson Museum of Art.This large,deep stoneware plate has widely flaring sides and a deeply carved,geometric design covering its surface.The plates foot is unglazed;its underside and rim are covered with a red-brown gloss glaze.Mr.MacDonald earn
6、ed his master of fine arts degree from the University of Michigan,before joining the faculty of the School of Artand Design at Syracuse University,where he continues to teach ceramics.While his work represents a wide range of utilitarian ceramic forms,Mr.MacDonalds primary focus is the vessel,which