You've been pre-approved*  for an M&T Personal Loan

YOU CAN CHOOSE TO STOP RECEIVING "PRESCREENED" OFFERS OF CREDIT FROM THIS AND OTHER COMPANIES BY CALLING TOLL FREE 1-888-5-OPT-OUT OR VISITING WWW.OPTOUTPRESCREEN.COM.  PLEASE SEE THE "PRESCREEN & OPT-OUT NOTICE" AT THE BOTTOM OF THIS PAGE FOR MORE INFORMATION.

*M&T UNSECURED PERSONAL LOAN - IMPORTANT CONDITIONS

You have been individually pre-approved by M&T Bank for a personal loan up to the amount disclosed on the top of the next page. 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 comditions may apply, depending on other terms offered or chosen.

PRESCREEN & OPT-OUT NOTICE This "prescreened" offer of credit is based on information in your credit report indicating that you meet certain criteria. This offer is not guaranteed if you do not meet our criteria. If you do not want to receive prescreened offers of credit from this and other companies, call the consumer reporting agencies toll free, 1-888-5-OPT-OUT (1-888-567-8688); visit www.OptOutPrescreen.com or write them individually at: Experian Target Marketing, P.O. Box 919, 701 Experian Parkway B2, Allen, TX 75013; Equifax Options, P.O. Box 740123, Atlanta, GA 30374-0123; TransUnion Corporation, Attn: Marketing Opt Out, P.O. Box 505, Woodlyn, PA 19094-0505.