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The M&T Visa(R) Signature Credit Card gives you what matters most.

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Live unlimited.

Unlimited 1.5% cash back(1)

ROBERT H BIDEN

As one of our most loyal and valued customers, you deserve more. So we're offering you the chance to apply for our M&T Visa(R) Signature Credit Card - the card that gives you what matters most.

Request Card
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- Rewards \u2013 earn unlimited 1.5% cash back on every purchase; choose your reward including cash, travel, merchandise, gift cards and more(1)

- Bonus Points \u2013 earn 10,000 bonus points after $500 in purchases within the first 90 days; good for $100 cash or statement credit (deposited into your M&T checking account)(1)

- Low Rate \u2013 0% intro APR for 12 billing cycles \u2013 on purchases and balance transfers (variable APR between 13.49% and 20.49% thereafter). A balance transfer fee will apply(2)

- Value \u2013 no foreign transaction fees and no annual fee(2)

- Prestige \u2013 enjoy exclusive Visa(R) Signature benefits such as assistance with planning a dream vacation and preferred access to events

Request Card
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Once you receive your card, customize it with a personal image \u2013 at no charge! Visit mtb.com/customcard for details.(3)
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Request your M&T Visa(R) Signature Credit Card today

Hurry, this opportunity ends 3/16/19!

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Program Code: E00130
Offer Expires: March 16, 2019

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Questions?
We're here to help.

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Call 1-866-878-4933

Come in to any M&T branch
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[1] The M&T Rewards Program ("Program") is subject to the M&T Rewards Program Terms & Conditions ("Program Terms & Conditions"). One 10,000 bonus points offer per Program Account is available to residents of the United States who open and use a new M&T Visa(R) Signature Credit Card to make at least $500 in Purchases within the first 90 days after such Card is opened. Additional exclusions and terms apply. M&T Visa Signature Credit Cards earn 1.5 points for every $1 in Purchases. Offers and Rewards points are subject to change and/or discontinuation without notice. Full Program Terms & Conditions, Definitions, and other Program information can be found at rewards.mtb.com.
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[2] PRODUCT DISCLOSURES
The following Disclosures apply to M&T Visa(R) Signature Credit Card accounts and are provided as required by law.

INTEREST RATES AND INTEREST CHARGES
Annual Percentage Rate (APR) for Purchases - 0.00% Introductory APR for the first 12 billing cycles from account opening.

After that, your APR will be between 13.49% and 20.49% based on your creditworthiness.

These APRs will vary with the market based on the Prime Rate.

APR for Balance Transfers - 0.00% Introductory APR for the first 12 billing cycles from account opening.

After that, your APR will be between 13.49% and 20.49% based on your creditworthiness.

These APRs will vary with the market based on the Prime Rate.

APR for Cash Advances - 24.49%. This APR will vary with the market based on the Prime Rate.

APR for Overdraft Advances - 24.49%. This APR will vary with the market based on the Prime Rate.

Penalty APR and When It Applies - 24.99%. This APR may be applied to your account if your account is past due 60 days.

How Long Will the Penalty APR Apply? If your APRs are increased, the Penalty APR will apply until you make 6 consecutive minimum payments when due.

How to Avoid Paying Interest on Purchases - Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire account balance by the due date each month. We will begin charging interest on balance transfers, cash advances and overdraft advances on the transaction date.

For Credit Card Tips from the Consumer Financial Protection Bureau - To learn about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at https://click.mtbemail.com/?qs=8a4d14d3b93376162d2f14de1320b81f4018a4b4c4d33026c32214e3bbb5b048b9e7252f4a2f6747ae60f2775d1dbab7d21e772dfeea20a1

FEES

Transaction Fees
Balance Transfer - 4% of each balance transfer ($10 minimum)

Foreign Transaction - None

Cash Advance - 3% of each transaction (minimum $10)

Overdraft Transfer - $12.50 for each transaction, but charged no more than once a day

Penalty Fees
Late Payment - up to $35

Unpaid Convenience Checks - up to $25

Returned Payment - up to $25

How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)."

Loss of Introductory APR: We may end your introductory APR and apply the Penalty APR to your purchases and balance transfers if you are more than 60 days late.

The information about the costs of the card described in this application is accurate as of 2/1/19. This information may have changed after that date. To find out what may have changed, call us at 1-800-724-2440.

New York residents may contact the New York State Department of Financial Services by telephone at 1-877-226-5697 or visit its website www.dfs.ny.gov for free information on comparative credit card rates, fees and grace periods.
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Federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account, including your name, address, date of birth and other information that will allow us to verify your identity.

Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual percentage rate of 36 percent.

This rate must include, as applicable to the credit transaction or account: The costs associated with credit insurance premiums; fees for ancillary products sold in connection with the credit transaction; any application fee charged (other than certain application fees for specified credit transactions or accounts); and any participation fee charged (other than certain participation fees for a credit card account). To obtain this information orally, along with general information about the terms of your loan or line, please call toll free 1-800-724-1702.

Authorization: By submitting the information on this offer, you agree that you are at least 18 years old, you are a U.S. citizen or permanent resident, you have a valid social security number, and all of the information that you have provided to us on the application or any other document is true and complete. 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 application or any audit, review, update, quality control, renewal, extension or collection of any credit extended as a result of your application.

You acknowledge that all of the terms provided by these disclosures are subject to change, at our discretion, at any time, and agree that if we accept your application, you will comply with all of the terms contained in your M&T Bank Credit Card Agreement and Disclosures and Terms that we will provide to you. You agree that if you have requested an M&T Visa(R) Signature Credit Card and do not meet all applicable requirements, we may issue you an M&T Visa(R) Credit Card with Rewards. This offer is non-transferable and you acknowledge that you may be ineligible if you have responded to a previous M&T credit card offer within the last 45 days.

Balance Transfers: We may decline balance transfer requests under certain circumstances. For example, if your account is delinquent or over limit, we may decline to process your request. If we do, we will notify you. Your balance transfer limit, including all applicable fees, may not exceed the value of your available credit line. If the total balance transfer amount you request exceeds the value of your available credit line, you authorize us to send either full or partial payment to your creditors in the order you provide them to us. For any introductory balance transfer offer, the offer period begins at account opening.

A credit card balance transfer can only be used to pay off an existing credit card balance with another financial institution. It cannot be used to pay off a loan or line of credit or another debt held by M&T Bank or its affiliates.

Please review your Credit Card Agreement and Disclosures and Terms when you receive them. We will not effect any balance transfer you request if you call 1-800-724-2440 and withdraw your balance transfer request within 10 days after the date the Credit Card Disclosures and Terms are mailed to you. Please continue to make your monthly payment on any account from which you are transferring balances until the requested balance transfer is complete. Standard processing time varies, so your balance transfer may not take effect before your next cycle.

[3] Use of the M&T Custom Card design service is subject to program Terms and Conditions and Image Guidelines. The \u201cIdentify Yourself\u201d card is not a form of photo identification. There is no guarantee or expectation that merchants will use a photo on your card as an added form of security.

Visa(R) is a registered trademark of Visa International Service Association.

9863 SIG R

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.

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