M&T PERSONAL LOAN - IMPORTANT CONDITIONS
1. You have been individually pre-approved by M&T Bank for a personal loan up to the amount disclosed on the
front of this letter. You have received this offer because you have met the credit criteria we used to
prescreen customers for this offer. After you respond to this offer, the granting of credit or the
assignment of the maximum credit amount is dependent upon you continuing to meet the credit criteria of this
prescreened offer, including our verification of your debt-to-income ratio or any other applicable criteria
bearing on creditworthiness. All loans and lines of credit are subject to credit approval. Additional terms
and conditions may apply, depending on other terms offered or chosen.