Joe Desiderio and M&T Bank constantly try to sell us false advertising and pressure us for our local business! How many calls can a person get a day asking for the same equity line of credit and attempt to bate us in for continued business partnerships. This is why we decided to seek out other lenders like Wells Fargo and TD Bank. Never agian do we use M & T Bank....they pressure too much and never allow us to just be a customers. Never again.