401k Plan data: EMPLOYEE RETIREMENT PLAN OF HUDSON CITY SAVINGS BANK plan

EMPLOYEE RETIREMENT PLAN OF HUDSON CITY SAVINGS BANK 401k Plan overview

Plan Name	EMPLOYEE RETIREMENT PLAN OF HUDSON CITY SAVINGS BANK
Plan identification number	007

EMPLOYEE RETIREMENT PLAN OF HUDSON CITY SAVINGS BANK Benefits

401k Plan Type	Defined Benefit Pension
Plan Features/Benefits	Benefits are primarily pay related

401k Sponsoring company profile

MANUFACTURERS AND TRADERS TRUST CO. has sponsored the creation of one or more 401k plans.

Company Name: MANUFACTURERS AND TRADERS TRUST CO.

Employer identification number (EIN): 160538020

NAIC Classification: 238210
NAIC Description: Electrical Contractors and Other Wiring Installation Contractors

Additional information about MANUFACTURERS AND TRADERS TRUST CO.

Jurisdiction of Incorporation: New York Department of State

Incorporation Date: 1969-11-06

Company Identification Number: 284484

Legal Registered Office Address: Atten: General Counsel
One M&T Plaza, 345 Main St - FL 08 Legal
BUFFALO
United States of America (USA)
14203

More information about MANUFACTURERS AND TRADERS TRUST CO.

Form 5500 Filing Information

Submission information for form 5500 for 401k plan EMPLOYEE RETIREMENT PLAN OF HUDSON CITY SAVINGS BANK

Plan id# Filing Submission Date Name of Administrator Date Administrator Signed Name of Company Sponsor Date Sponsor Signed
007 2016-01-01 JOSEPH RIZZUTO
007 2015-01-01 JOSEPH RIZZUTO

Plan id#	Filing Submission Date	Name of Administrator	Date Administrator Signed	Name of Company Sponsor	Date Sponsor Signed
007	2016-01-01	JOSEPH RIZZUTO
007	2015-01-01	JOSEPH RIZZUTO

Plan Statistics for EMPLOYEE RETIREMENT PLAN OF HUDSON CITY SAVINGS BANK

401k plan membership statisitcs for EMPLOYEE RETIREMENT PLAN OF HUDSON CITY SAVINGS BANK

Measure Date Value
2016: EMPLOYEE RETIREMENT PLAN OF HUDSON CITY SAVINGS BANK 2016 401k membership
Market value of plan assets 2016-12-31 191,638,946
Acturial value of plan assets 2016-12-31 191,040,093
Funding target for retired participants and beneficiaries receiving payment 2016-12-31 65,487,943
Number of terminated vested participants 2016-12-31 350
Fundng target for terminated vested participants 2016-12-31 11,416,459
Active participant vested funding target 2016-12-31 57,870,959
Number of active participants 2016-12-31 540
Total funding liabilities for active participants 2016-12-31 59,902,401
Total participant count 2016-12-31 1,406
Total funding target for all participants 2016-12-31 136,806,803
Balance at beginning of prior year after applicable adjustments 2016-12-31 0
Prefunding balance at beginning of prior year after applicable adjustments 2016-12-31 50,435,445
Carryover balanced portion elected for use to offset prior years funding requirement 2016-12-31 0
Prefunding balanced used to offset prior years funding requirement 2016-12-31 0
Amount remaining of carryover balance 2016-12-31 0
Amount remaining of prefunding balance 2016-12-31 50,435,445
Present value of excess contributions 2016-12-31 0
Total available prior years excess cotributions available at beginning of current plan year to add to prefunding balance 2016-12-31 0
Total available prior years excess cotributions added at beginning of current plan year to add to prefunding balance 2016-12-31 0
Reductions in caryover balances due to elections or deemed elections 2016-12-31 0
Reductions in prefunding balances due to elections or deemed elections 2016-12-31 0
Balance of carryovers at beginning of current year 2016-12-31 0
Balance of prefunding at beginning of current year 2016-12-31 53,592,704
Total employer contributions 2016-12-31 0
Total employee contributions 2016-12-31 0
Contributions allocated toward unpaid minimum require contributions from prior years 2016-12-31 0
Contributions made to avoid restrictions adjusted to valuation date 2016-12-31 0
Contributions allocated toward minimum required contributions for current year adjusted to valuation date 2016-12-31 0
Unpaid minimum required contributions for all prior years 2016-12-31 0
iDiscounted employer contributions allocated toward unpaid minimum required contributions from prior years 2016-12-31 0
Remaining amount of unpaid minimum required contributions 2016-12-31 0
Minimum required contributions for current year target normal cost 2016-12-31 4,520,298
Net shortfall amortization installment of oustanding balance 2016-12-31 0
Waiver amortization installment 2016-12-31 0
Total funding amount beforereflecting carryover/prefunding balances 2016-12-31 3,879,712
Carryover balance elected to use to offset funding requirement 2016-12-31 0
Prefunding balance elected to use to offset funding requirement 2016-12-31 3,879,712
Additional cash requirement 2016-12-31 0
Contributions allocatedtoward minimum required contributions for current year 2016-12-31 0
Unpaid minimum required contributions for current year 2016-12-31 0
Unpaid minimum required contributions for all years 2016-12-31 0
Total participants, beginning-of-year 2016-01-01 1,406
Total number of active participants reported on line 7a of the Form 5500 2016-01-01 0
Number of retired or separated participants receiving benefits 2016-01-01 0
Number of other retired or separated participants entitled to future benefits 2016-01-01 0
Total of all active and inactive participants 2016-01-01 0
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2016-01-01 0
Total participants 2016-01-01 0
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2016-01-01 0
2015: EMPLOYEE RETIREMENT PLAN OF HUDSON CITY SAVINGS BANK 2015 401k membership
Total participants, beginning-of-year 2015-01-01 1,412
Total number of active participants reported on line 7a of the Form 5500 2015-01-01 540
Number of retired or separated participants receiving benefits 2015-01-01 464
Number of other retired or separated participants entitled to future benefits 2015-01-01 350
Total of all active and inactive participants 2015-01-01 1,354
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2015-01-01 52
Total participants 2015-01-01 1,406
Number of participants with account balances 2015-01-01 0
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2015-01-01 0

Measure	Date	Value
2016: EMPLOYEE RETIREMENT PLAN OF HUDSON CITY SAVINGS BANK 2016 401k membership
Market value of plan assets	2016-12-31	191,638,946
Acturial value of plan assets	2016-12-31	191,040,093
Funding target for retired participants and beneficiaries receiving payment	2016-12-31	65,487,943
Number of terminated vested participants	2016-12-31	350
Fundng target for terminated vested participants	2016-12-31	11,416,459
Active participant vested funding target	2016-12-31	57,870,959
Number of active participants	2016-12-31	540
Total funding liabilities for active participants	2016-12-31	59,902,401
Total participant count	2016-12-31	1,406
Total funding target for all participants	2016-12-31	136,806,803
Balance at beginning of prior year after applicable adjustments	2016-12-31	0
Prefunding balance at beginning of prior year after applicable adjustments	2016-12-31	50,435,445
Carryover balanced portion elected for use to offset prior years funding requirement	2016-12-31	0
Prefunding balanced used to offset prior years funding requirement	2016-12-31	0
Amount remaining of carryover balance	2016-12-31	0
Amount remaining of prefunding balance	2016-12-31	50,435,445
Present value of excess contributions	2016-12-31	0
Total available prior years excess cotributions available at beginning of current plan year to add to prefunding balance	2016-12-31	0
Total available prior years excess cotributions added at beginning of current plan year to add to prefunding balance	2016-12-31	0
Reductions in caryover balances due to elections or deemed elections	2016-12-31	0
Reductions in prefunding balances due to elections or deemed elections	2016-12-31	0
Balance of carryovers at beginning of current year	2016-12-31	0
Balance of prefunding at beginning of current year	2016-12-31	53,592,704
Total employer contributions	2016-12-31	0
Total employee contributions	2016-12-31	0
Contributions allocated toward unpaid minimum require contributions from prior years	2016-12-31	0
Contributions made to avoid restrictions adjusted to valuation date	2016-12-31	0
Contributions allocated toward minimum required contributions for current year adjusted to valuation date	2016-12-31	0
Unpaid minimum required contributions for all prior years	2016-12-31	0
iDiscounted employer contributions allocated toward unpaid minimum required contributions from prior years	2016-12-31	0
Remaining amount of unpaid minimum required contributions	2016-12-31	0
Minimum required contributions for current year target normal cost	2016-12-31	4,520,298
Net shortfall amortization installment of oustanding balance	2016-12-31	0
Waiver amortization installment	2016-12-31	0
Total funding amount beforereflecting carryover/prefunding balances	2016-12-31	3,879,712
Carryover balance elected to use to offset funding requirement	2016-12-31	0
Prefunding balance elected to use to offset funding requirement	2016-12-31	3,879,712
Additional cash requirement	2016-12-31	0
Contributions allocatedtoward minimum required contributions for current year	2016-12-31	0
Unpaid minimum required contributions for current year	2016-12-31	0
Unpaid minimum required contributions for all years	2016-12-31	0
Total participants, beginning-of-year	2016-01-01	1,406
Total number of active participants reported on line 7a of the Form 5500	2016-01-01	0
Number of retired or separated participants receiving benefits	2016-01-01	0
Number of other retired or separated participants entitled to future benefits	2016-01-01	0
Total of all active and inactive participants	2016-01-01	0
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2016-01-01	0
Total participants	2016-01-01	0
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2016-01-01	0
2015: EMPLOYEE RETIREMENT PLAN OF HUDSON CITY SAVINGS BANK 2015 401k membership
Total participants, beginning-of-year	2015-01-01	1,412
Total number of active participants reported on line 7a of the Form 5500	2015-01-01	540
Number of retired or separated participants receiving benefits	2015-01-01	464
Number of other retired or separated participants entitled to future benefits	2015-01-01	350
Total of all active and inactive participants	2015-01-01	1,354
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2015-01-01	52
Total participants	2015-01-01	1,406
Number of participants with account balances	2015-01-01	0
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2015-01-01	0

Financial Data on EMPLOYEE RETIREMENT PLAN OF HUDSON CITY SAVINGS BANK

Measure	Date	Value
2016 : EMPLOYEE RETIREMENT PLAN OF HUDSON CITY SAVINGS BANK 2016 401k financial data
Unrealized appreciation/depreciation of other (non real estate) assets	2016-12-31	$5,056,949
Total unrealized appreciation/depreciation of assets	2016-12-31	$5,056,949
Total transfer of assets from this plan	2016-12-31	$180,707,419
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2016-12-31	$0
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2016-12-31	$256,060
Total income from all sources (including contributions)	2016-12-31	$11,625,260
Total loss/gain on sale of assets	2016-12-31	$2,091,831
Total of all expenses incurred	2016-12-31	$10,875,388
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2016-12-31	$10,213,707
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2016-12-31	$0
Value of total assets at end of year	2016-12-31	$0
Value of total assets at beginning of year	2016-12-31	$180,213,607
Total of administrative expenses incurred including professional, contract, advisory and management fees	2016-12-31	$661,681
Total interest from all sources	2016-12-31	$2,615,136
Total dividends received (eg from common stock, registered investment company shares)	2016-12-31	$1,861,344
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2016-12-31	No
Administrative expenses professional fees incurred	2016-12-31	$266,408
Was this plan covered by a fidelity bond	2016-12-31	Yes
Value of fidelity bond cover	2016-12-31	$5,000,000
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2016-12-31	$0
Were there any nonexempt tranactions with any party-in-interest	2016-12-31	No
Assets. Other investments not covered elsewhere at end of year	2016-12-31	$0
Assets. Other investments not covered elsewhere at beginning of year	2016-12-31	$1,938
Value of other receiveables (less allowance for doubtful accounts) at end of year	2016-12-31	$0
Value of other receiveables (less allowance for doubtful accounts) at beginning of year	2016-12-31	$1,907,436
Other liabilities (not benefit claims, operating payabales oe acquisition indebtedness) at end of year	2016-12-31	$0
Other liabilities (not benefit claims, operating payabales oe acquisition indebtedness) at beginning of year	2016-12-31	$5,339
Liabilities. Value of operating payables at end of year	2016-12-31	$0
Liabilities. Value of operating payables at beginning of year	2016-12-31	$250,721
Total non interest bearing cash at end of year	2016-12-31	$0
Total non interest bearing cash at beginning of year	2016-12-31	$0
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2016-12-31	No
Value of net income/loss	2016-12-31	$749,872
Value of net assets at end of year (total assets less liabilities)	2016-12-31	$0
Value of net assets at beginning of year (total assets less liabilities)	2016-12-31	$179,957,547
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2016-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2016-12-31	No
Were any leases to which the plan was party in default or uncollectible	2016-12-31	No
Investment advisory and management fees	2016-12-31	$395,273
Value of interest in registered invesment companies (eg mutual funds) at end of year	2016-12-31	$0
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2016-12-31	$86,359,501
Interest earned on other investments	2016-12-31	$415,085
Income. Interest from US Government securities	2016-12-31	$2,158,972
Income. Interest from corporate debt instruments	2016-12-31	$41,079
Value of interest bearing cash (including money market accounts and certificates of deposits) at end of year	2016-12-31	$0
Interest-bearing cash (include money market accounts & certificates of deposit) at beginning of the Year	2016-12-31	$10,974,320
Value of interest bearing cash (including money market accounts and certificates of deposits) at beginning of year	2016-12-31	$10,974,320
Value of funds held in insurance company general accounts (unallocated contracts) at end of year	2016-12-31	$0
Value of funds held in insurance company general accounts (unallocated contracts) at beginning of year	2016-12-31	$11,223,704
Asset value of US Government securities at end of year	2016-12-31	$0
Asset value of US Government securities at beginning of year	2016-12-31	$44,553,741
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2016-12-31	Yes
Was there a failure to transmit to the plan any participant contributions	2016-12-31	No
Has the plan failed to provide any benefit when due under the plan	2016-12-31	No
Assets. Invements in employer securities at end of year	2016-12-31	$0
Assets. Invements in employer securities at beginning of year	2016-12-31	$0
Income. Dividends from common stock	2016-12-31	$1,861,344
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2016-12-31	$10,213,707
Asset. Corporate debt instrument debt (other) at end of year	2016-12-31	$0
Asset. Corporate debt instrument debt (other) at beginning of year	2016-12-31	$25,192,967
Did the plan have assets held for investment	2016-12-31	No
Did the plan hold any assets whose current value was neither redily determinable on an established market nor set by an independent third party appraiser	2016-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2016-12-31	Yes
Aggregate proceeds on sale of assets	2016-12-31	$80,211,671
Aggregate carrying amount (costs) on sale of assets	2016-12-31	$78,119,840
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2016-12-31	Yes
Opinion of an independent qualified public accountant for this plan	2016-12-31	Disclaimer
Accountancy firm name	2016-12-31	PRICEWATERHOUSECOOPERS LLP
Accountancy firm EIN	2016-12-31	134008324
2015 : EMPLOYEE RETIREMENT PLAN OF HUDSON CITY SAVINGS BANK 2015 401k financial data
Unrealized appreciation/depreciation of other (non real estate) assets	2015-12-31	$-6,695,244
Total unrealized appreciation/depreciation of assets	2015-12-31	$-6,695,244
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2015-12-31	$256,060
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2015-12-31	$261,911
Total income from all sources (including contributions)	2015-12-31	$1,260,694
Total loss/gain on sale of assets	2015-12-31	$3,391,484
Total of all expenses incurred	2015-12-31	$7,839,339
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2015-12-31	$6,811,372
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2015-12-31	$0
Value of total assets at end of year	2015-12-31	$180,213,607
Value of total assets at beginning of year	2015-12-31	$186,798,103
Total of administrative expenses incurred including professional, contract, advisory and management fees	2015-12-31	$1,027,967
Total interest from all sources	2015-12-31	$2,743,007
Total dividends received (eg from common stock, registered investment company shares)	2015-12-31	$1,821,447
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2015-12-31	No
Administrative expenses professional fees incurred	2015-12-31	$352,077
Was this plan covered by a fidelity bond	2015-12-31	Yes
Value of fidelity bond cover	2015-12-31	$5,000,000
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2015-12-31	$0
Were there any nonexempt tranactions with any party-in-interest	2015-12-31	No
Assets. Other investments not covered elsewhere at end of year	2015-12-31	$1,938
Assets. Other investments not covered elsewhere at beginning of year	2015-12-31	$0
Value of other receiveables (less allowance for doubtful accounts) at end of year	2015-12-31	$1,907,436
Value of other receiveables (less allowance for doubtful accounts) at beginning of year	2015-12-31	$495,339
Other liabilities (not benefit claims, operating payabales oe acquisition indebtedness) at end of year	2015-12-31	$5,339
Other liabilities (not benefit claims, operating payabales oe acquisition indebtedness) at beginning of year	2015-12-31	$20,770
Liabilities. Value of operating payables at end of year	2015-12-31	$250,721
Liabilities. Value of operating payables at beginning of year	2015-12-31	$241,141
Total non interest bearing cash at end of year	2015-12-31	$0
Total non interest bearing cash at beginning of year	2015-12-31	$12,056
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2015-12-31	No
Value of net income/loss	2015-12-31	$-6,578,645
Value of net assets at end of year (total assets less liabilities)	2015-12-31	$179,957,547
Value of net assets at beginning of year (total assets less liabilities)	2015-12-31	$186,536,192
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2015-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2015-12-31	No
Were any leases to which the plan was party in default or uncollectible	2015-12-31	No
Investment advisory and management fees	2015-12-31	$675,890
Value of interest in registered invesment companies (eg mutual funds) at end of year	2015-12-31	$86,359,501
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2015-12-31	$109,038,395
Interest earned on other investments	2015-12-31	$441,885
Income. Interest from US Government securities	2015-12-31	$1,495,730
Income. Interest from corporate debt instruments	2015-12-31	$805,392
Value of interest bearing cash (including money market accounts and certificates of deposits) at end of year	2015-12-31	$10,974,320
Interest-bearing cash (include money market accounts & certificates of deposit) at beginning of the Year	2015-12-31	$0
Value of interest bearing cash (including money market accounts and certificates of deposits) at beginning of year	2015-12-31	$0
Value of funds held in insurance company general accounts (unallocated contracts) at end of year	2015-12-31	$11,223,704
Value of funds held in insurance company general accounts (unallocated contracts) at beginning of year	2015-12-31	$0
Asset value of US Government securities at end of year	2015-12-31	$44,553,741
Asset value of US Government securities at beginning of year	2015-12-31	$0
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2015-12-31	$0
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2015-12-31	Yes
Was there a failure to transmit to the plan any participant contributions	2015-12-31	No
Has the plan failed to provide any benefit when due under the plan	2015-12-31	No
Assets. Invements in employer securities at end of year	2015-12-31	$0
Assets. Invements in employer securities at beginning of year	2015-12-31	$7,081,703
Income. Dividends from common stock	2015-12-31	$1,821,447
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2015-12-31	$6,811,372
Asset. Corporate debt instrument debt (other) at end of year	2015-12-31	$25,192,967
Asset. Corporate debt instrument debt (other) at beginning of year	2015-12-31	$70,170,610
Did the plan have assets held for investment	2015-12-31	Yes
Did the plan hold any assets whose current value was neither redily determinable on an established market nor set by an independent third party appraiser	2015-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2015-12-31	No
Aggregate proceeds on sale of assets	2015-12-31	$3,391,484
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2015-12-31	Yes
Opinion of an independent qualified public accountant for this plan	2015-12-31	Disclaimer
Accountancy firm name	2015-12-31	PRICEWATERHOUSECOOPERS LLP
Accountancy firm EIN	2015-12-31	134008324

Form 5500 Responses for EMPLOYEE RETIREMENT PLAN OF HUDSON CITY SAVINGS BANK

2016: EMPLOYEE RETIREMENT PLAN OF HUDSON CITY SAVINGS BANK 2016 form 5500 responses
2016-01-01	Type of plan entity	Single employer plan
2016-01-01	Submission has been amended	No
2016-01-01	This submission is the final filing	Yes
2016-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2016-01-01	Plan is a collectively bargained plan	No
2016-01-01	Plan funding arrangement – Insurance	Yes
2016-01-01	Plan funding arrangement – Trust	Yes
2016-01-01	Plan benefit arrangement – Insurance	Yes
2016-01-01	Plan benefit arrangement - Trust	Yes
2015: EMPLOYEE RETIREMENT PLAN OF HUDSON CITY SAVINGS BANK 2015 form 5500 responses
2015-01-01	Type of plan entity	Single employer plan
2015-01-01	Submission has been amended	No
2015-01-01	This submission is the final filing	No
2015-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2015-01-01	Plan is a collectively bargained plan	No
2015-01-01	Plan funding arrangement – Insurance	Yes
2015-01-01	Plan funding arrangement – Trust	Yes
2015-01-01	Plan benefit arrangement – Insurance	Yes
2015-01-01	Plan benefit arrangement - Trust	Yes

Insurance Providers Used on plan

PRUDENTIAL RETIREMENT INSURANCE AND ANNUITY COMPANY (National Association of Insurance Commissioners NAIC id number: 93629 )

Policy contract number

03804

Policy instance

Insurance contract or identification number	03804
Number of Individuals Covered	1
Insurance policy start date	2015-01-01
Insurance policy end date	2015-12-31
Are there contracts with allocated funds for individual policies?	No
Are there contracts with allocated funds for group deferred annuity?	No
Are there contracts with allocated funds for types other than group deferred annuity or individual?	No
Contract purchased, in whole or in part, to distribute benefits from a terminating plan	No
Contracts With Unallocated Funds Deposit Administration	0
Are there contracts with unallocated funds for contracts of type immediate participation guarantee?	No
Are there contracts with unallocated funds for contracts of type guaranteed investment?	Yes
Are there contracts with unallocated funds for contract types other than deposit administration, immediate participation guarantee or guaranteed investment?	No
Health Insurance Welfare Benefit	No
Dental Insurance Welfare Benefit	No
Vision Insurance Welfare Benefit	No
Life Insurance Welfare Benefit	No
Temporary Disability Insurance Welfare Benefit	No
Long Term Disability Insurance Welfare Benefit	No
Unemployment Insurance Welfare Benefit	No
Were dividends or retroactive rate refunds paid in cash?	No
Were dividends or retroactive rate refunds paid as a credit?	No
Did the insurance company fail to provide any information necessary to complete Schedule A of form 5500?	No

PRUDENTIAL RETIREMENT INSURANCE AND ANNUITY COMPANY (National Association of Insurance Commissioners NAIC id number: 93629 )

Policy contract number

003676

Policy instance

Insurance contract or identification number	003676
Number of Individuals Covered	1
Insurance policy start date	2015-01-01
Insurance policy end date	2015-12-31
Are there contracts with allocated funds for individual policies?	No
Are there contracts with allocated funds for group deferred annuity?	No
Are there contracts with allocated funds for types other than group deferred annuity or individual?	No
Contract purchased, in whole or in part, to distribute benefits from a terminating plan	No
Contracts With Unallocated Funds Deposit Administration	0
Are there contracts with unallocated funds for contracts of type immediate participation guarantee?	No
Are there contracts with unallocated funds for contracts of type guaranteed investment?	Yes
Are there contracts with unallocated funds for contract types other than deposit administration, immediate participation guarantee or guaranteed investment?	No
Health Insurance Welfare Benefit	No
Dental Insurance Welfare Benefit	No
Vision Insurance Welfare Benefit	No
Life Insurance Welfare Benefit	No
Temporary Disability Insurance Welfare Benefit	No
Long Term Disability Insurance Welfare Benefit	No
Unemployment Insurance Welfare Benefit	No
Were dividends or retroactive rate refunds paid in cash?	No
Were dividends or retroactive rate refunds paid as a credit?	No
Did the insurance company fail to provide any information necessary to complete Schedule A of form 5500?	No

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Company Name:	MANUFACTURERS AND TRADERS TRUST CO.
Employer identification number (EIN):	160538020
NAIC Classification:	238210
NAIC Description:	Electrical Contractors and Other Wiring Installation Contractors

Jurisdiction of Incorporation:	New York Department of State
Incorporation Date:	1969-11-06
Company Identification Number:	284484
Legal Registered Office Address:	Atten: General Counsel One M&T Plaza, 345 Main St - FL 08 Legal BUFFALO United States of America (USA) 14203