People person

IMPORTANT INSURANCE DISCLOSURE: M&T may not condition the credit you are applying for on: i.)

Your purchase of an insurance product or annuity from M&T or an M&T affiliate; or ii.) Your agreement not to obtain, or a prohibition on your obtaining, an insurance product or annuity from an entity not affiliated with M&T.

Alternative Payment Schedule Notice: If you accept an alternative payment schedule during the term of your loan, it may have a negative impact on your credit score or rating. New York/Vermont

Credit Reports. You understand a consumer report may be ordered on you in connection with your application for credit. If you ask, we will tell you whether or not one was ordered and if one was, the name and address of the consumer reporting agency that provided it. Subsequent consumer reports may be requested or used in connection with an update, renewal, or extension of the credit applied for without further notice to you. To request the information, you should write M&T Bank, P.O. Box 767, Buffalo, New York 14240, Attn.: Consumer Credit Processing, or call 1-800-***-****.