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Underwriting - The analysis of risk and setting of an appropriate rate and terms for a loan. An underwriter decides whether the lender should assume a particular risk.

Unrealized Profits and Losses - Total profits and losses indicated when securities are market-to-market.

Unsecured Loan - A loan that is not secured with collateral, but based on a borrower's credit history and financial strength.

URLA - Uniform residential loan application.

U.S. Treasury Bill - U.S. government debt with a maturity that is less than a year.

U.S. Treasury Bond - U.S. government debt with a maturity of more than 10 years.

U.S. Treasury Note - U.S. government debt with a maturity of one to 10 years.

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Glossary

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M&T Bank. Investment Services, Wealth Advisory and Corporate & Institutional products and services are offered by Wilmington Trust Company,
operated in Delaware only, and Wilmington Trust, N.A. International Corporate & Institutional services are offered through our international affiliates.

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