If you accept this offer, you agree that you:
- Are at least 18 years old
- Are a U.S. citizen or permanent resident
- Have a valid social security number
You authorize us to obtain your credit and employment histories, and agree that we may, at any time, obtain
credit reports or any other information we feel is necessary in connection with your loan or any audit,
update, quality control, renewal, extension or collection of any credit extended as a result of your
acceptance of this offer. This offer is non-transferable.
 To qualify for the lowest APR available: 1) the term of the loan must be 36 months or less and; 2) you
must have or open an M&T MyChoice Premium or Power Checking account at time of application; and 3) automatic
payment deductions from any M&T checking account must be established. Your final APR will be based on your credit profile
(as reported to M&T Bank by an outside reporting agency) and deposit relationship. M&T Unsecured Personal
Loans must be for an eligible purpose. Offer good in NY, MD, NJ, PA, DE, CT, VA, WV and DC.
 There are no application, origination or prepayment penalty fees, but late fees and returned payment fees
may be charged when applicable.
A payment example on a $5,000 M&T Unsecured Personal Loan with a 60-month term at a non-discounted APR of
8.99% would be $103.77 per month.
Unless otherwise specified, all advertised offers and terms and conditions of accounts and services are
subject to change at any time without notice. After an account is opened or service begins, it is subject to
its features, conditions, and terms, which are subject to change at any time in accordance with applicable
laws and agreements. Please contact an M&T representative for full details.