The following Disclosures apply to new M&T Bank M&T Visa® Credit Card, M&T Visa® Credit Card with 
Rewards, M&T Visa® Signature Credit Card, and M&T Secured Credit Card accounts, and are provided as 
required by law. 

Please Note: If you are approved and qualify for any promotional offer, the specific account disclosures for 
that promotional offer will be mailed to you with your Agreement.  

Interest Rates and Interest Charges 
Annual Percentage Rate (APR) for 
Purchases 

APR for Balance Transfers 

APR for Cash Advances 
APR for Overdraft Advances 
Penalty APR and When it Applies 

Paying Interest  

For Credit Card Tips from the 
Consumer Financial Protection 
Bureau 

Fees 
Transaction Fees 

M&T Visa® Credit Card Accounts: 0.00% Introductory APR for the first 12 
billing cycles from account opening. After that, your APR will be between 
10.24 and 17.24% based on your creditworthiness and will vary with 
the market based on the Prime Rate. 

M&T Visa® Credit Card with Rewards Accounts: 0.00% Introductory APR for 
the first 12 billing cycles from account opening. After that, your APR will be 
between 11.24 and 18.24% based on your creditworthiness and will 
vary with the market based on the Prime Rate. 

M&T Visa® Signature Credit Card Accounts: 0.00% Introductory APR for the 
first 12 billing cycles from account opening. After that, your APR will be between 
11.24 and 18.24%  based on your creditworthiness and will vary with 
the market based on the Prime Rate.  

M&T Secured Credit Card Accounts: Your APR will be 17.24% and will vary 
with the market based on the Prime Rate. 
M&T Visa® Credit Card Accounts:  0.00% Introductory APR for the first 12 billing 
cycles from account opening.  After that, your APR will be between 10.24 and 
17.24% based on your creditworthiness and will vary with the market based on 
the Prime Rate.  

M&T Visa® Credit Card with Rewards Accounts:  0.00% Introductory APR for the 
first 12 billing cycles from account opening.  After that, your APR will be between 
11.24 and 18.24% based on your creditworthiness and will vary with the market 
based on the Prime Rate.   

M&T Visa® Signature Credit Card Accounts: 0.00% Introductory APR for the first 
12 billing cycles from account opening.  After that, your APR will be between 
11.24 and 18.24% based on your creditworthiness and will vary with the market 
based on the Prime Rate. 

M&T Secured Credit Card Accounts:  Your APR will be 17.24% and will vary with 
the market based on the Prime Rate. 
22.24%.  This APR will vary with the market based on the Prime Rate. 
22.24%.  This APR will vary with the market based on the Prime Rate. 
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. 
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. 
To learn more about factors to consider when applying for or using a credit card, 
visit 
the  Consumer  Financial  Protection  Bureau  at 
http://www.consumerfinance.gov/learnmore. 

the  website  of 

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Balance Transfer 
Cash Advance 
Overdraft Transfer 
Foreign Transaction Fee 

4% of each balance transfer (minimum $10) 
3% of each transaction (minimum $10) 
$12.50 for each transaction, but charged no more than once per day 
3% of each transaction in U.S. dollars (excluding the M&T Visa® Signature Credit 
Card, on which no Foreign Transaction Fees are charged) 

Penalty Fees 

Late Payment 
Unpaid Convenience Checks 
Returned Payment 

up to $35 
up to $25 
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 (5/1/2020).  This information may have changed 
after that date.  To find out what may have changed, call us at 1-866-279-0888. 

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. 

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 an application for any M&T Bank credit card, you agree that you are at least 18 years old, you are a U.S. citizen or permanent 
resident (unless you are applying for an M&T Secured Credit Card in which case you may be a non-resident alien), you have a valid social 
security number, and that all information 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. In addition, you understand that if you ask, we will tell you if a credit report 
was requested, and, if so, the name and address of the credit-reporting agency furnishing it. To request this information you should write 
M&T Bank, PO Box 767, Buffalo, NY 14240 Attn: Credit Department or call 1-800-724-6441. 

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® Signature Credit Card and do not meet all 
applicable requirements, we may issue you an M&T Visa® Credit Card with Rewards. 

Balance Transfers 
We may decline balance transfer requests under certain circumstances. For example, if your account is delinquent or overlimit, 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 affect any balance transfer 
you  request  if  you  call  1-866-279-0888  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. 

© 2020 M&T Bank 

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M&T Bank Visa® Credit Card Agreement 

THIS AGREEMENT INCLUDES AN ARBITRATION PROVISION.  YOU MAY REJECT THE ARBITRATION PROVISION IN ACCORDANCE 
WITH THE TERMS OF THE “ARBITRATION” SECTION BELOW. 

This Agreement governs the use of Your M&T Visa® Credit Card, M&T Visa® Credit Card with Rewards,  M&T Visa® Signature 
Credit Card, or M&T Secured Credit Card account with M&T Bank, and together with the Application, Disclosures and Terms, and 
any other documents We provide in connection with the Account is the collective agreement   that applies to all transactions on 
Your Account.  This Agreement is the final expression of the terms and conditions of Your Credit Card Account with Us, and it 
supersedes any alleged oral or inconsistent provisions of any prior agreement.  If any part of the Agreement conflicts with applicable 
law or is determined by a court to be invalid, this Agreement will be considered changed to the extent necessary to comply with 
the law or court decision and the remainder of the Agreement will remain in effect.  By applying for an Account, or using a Card, 
You  agree  that We may  provide  Your  personal  data  to  VISA  U.S.A.,  its  members  or  their  agents  for,  among  other  things,  the 
purpose  of  providing  emergency  cash,  emergency  credit  card  replacement  services,  or  as  required  by  the  Visa  rules  and 
regulations (“Visa Rules”).  Please read this Agreement in its entirety and keep it for Your records.  

Definitions  

In this Agreement, “We” “Us” and “Our” mean M&T Bank, its successors and assigns, the issuer of the Card(s) and Your Account 
creditor. “You” and “Your” mean each person who signs an application for, or otherwise requests, a credit card account with Us. 
“Account” means Your Credit Card account with Us to which the Card(s) are linked.  “Card” means each Credit Card linked to 
the Account that We have issued to You and includes each credit card, other access device, such as account numbers, We issue 
to You, or Checks in connection with the Account.  “Checks” mean promotional cash advance or balance transfer checks and 
convenience checks We may provide You from time to time.  “Agreement” means this Agreement, the “Disclosures and Terms” 
that are provided with Your Card, And any other documents provided to You in connection with the Account, that together comprise 
Your “Agreement.”  “Purchase(s)” means a purchase of goods and/or services from participating merchants who accept VISA 
cards. “Transaction” means any amount of credit obtained under Your Account for Purchases, Advances, Balance Transfers, 
Checks and overdrafts.  “Outstanding Balance” means the total dollar amount of Your obligation under this Agreement for all 
Transactions, interest, finance charges, fees, and any  other costs. “Advances”  is defined in  the section captioned  Use of  the 
Account. “Credit Limit” is defined in the section captioned Credit Limit. 

Effective Date: 

This Agreement becomes effective as soon as You activates the Card or the Account. Even if the Card or Account has not been 
used or activated, this Agreement becomes effective unless You contact Us within 30 days after You receive the Card by calling 
the number on the back of the Card to cancel Your Account. 

Responsibility  

By  applying  for  or  using  the  Card,  You  accept,  agree  to,  and  are  bound  by  these  terms  and  conditions.    You  promise  to  do 
everything this Agreement requires of You, and You promise to pay all amounts due on Your Account.  Your obligation to pay the 
Outstanding Balance continues even though an agreement, divorce decree or other court judgment to which We are not a party 
may direct You or one of the other persons responsible to pay the account.  You agree to pay each and all of the interest, fees and 
charges described in this Agreement. 

Authorized User 

If You or Your Joint Account holder lets someone else use the Account (“Authorized User”), You and any Joint Account holder are 
responsible  for  all  Transactions  made  by  that  person,  whether  or  not  You  have  notified  Us  that  the  person  will  be  using  Your 
Account and whether or not the amount of the actual use exceeds Your permission or was made for Your benefit.  An Authorized 
User will not be responsible for paying the balances due on Your Account.   You  agree  not  to  allow  access  to  the  Account  to 
anyone who is not an Authorized User. You are responsible for any Account transactions made by You or anyone whom You 
are   d e em ed  t o  have authorized by (a) lending Your Card to, or allowing Account access by another person; or (b) any other 
way in which You would be legally considered to have allowed another person to use Your Account or to be legally prevented from 
denying that You did so. You cannot disclaim responsibility for these charges by notifying Us, but if You write Us at the address or 
call  Us  at  the  telephone  number  shown  on  Your  billing  statement  and  return  all  Cards  and  Checks  to  Us, We  will  close  Your 
Account for new Transactions.  

Use of the Account 

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You must sign the Card immediately upon its receipt.  If You do not sign the Card, You will still be obligated to pay any and all 
amounts incurred on the Account.  The Card may only be used during its validity period, which is printed on the Card. 

You may use the Card to make Purchases. You may obtain cash advances from Us and from other financial institutions that accept 
VISA Cards, as well as from automated teller machines (ATMs) that accept VISA Cards (but not all ATMs accept VISA Cards.) 
(“Advances”).  To obtain cash advances from an ATM, You must use the Personal Identification Number (PIN) that is issued to 
You.   

With the exception of M&T Secured Credit Card Accounts, You may use Checks issued by Us to access Your Account, subject to 
any terms communicated to You with the Checks in addition to the terms of this Agreement. When You or a Cardholder sign(s) a 
Check, You or Cardholder request(s) a cash Advance from the Account.  We may refuse to pay a Check for any reason.  At Your 
risk and upon Your request or the request of a Cardholder, We will accept a stop payment request on a Check. You or a Cardholder 
must  provide  Us  with  any  information We may  require.    A  stop  payment  request  becomes  effective  only  after We  have  had  a 
reasonable opportunity to act upon it.  Our receipt of a stop payment request comes too late if:  We have indicated in any manner 
that We will pay or honor the Check; the Check is already in Our processing system; or We do not have a reasonable time to act 
upon it (and You and We agree that the receipt of Your stop payment request on the same day as the Check is presented to Us 
does not give Us a reasonable time to act on the stop payment request).  Stop payment requests may be made orally or in writing.  
A stop payment request is effective for 6 months following Our receipt and must be renewed either orally or in writing.  If You fail 
to renew a stop payment request before it expires, You will be deemed to have consented to payment of the Check. 

Overdraft Protection: 

If You have an M&T Bank Interest Checking Account or other M&T Bank Checking Account, You may link the Checking Account 
(Your Checking Account) to Your Account to cover overdrafts on Your Checking Account.  If you ask to link Your Checking Account 
to Your Account, You authorize Us to (1) de-link and close any overdraft line of credit account which currently may be serving as 
an  overdraft  mechanism,  and  (2)  de-link  any  other  account  with  M&T  Bank,  which  currently  may  be  serving  as  an  overdraft 
mechanism.   If You have requested overdraft protection for  Your  Checking Account,  You  will obtain credit from Your Account, 
subject to the Credit Limit and other provisions of this Agreement and the terms of Your Checking Account Agreement, by any of 
the following methods: (1) if an M&T Bank Check Card or Visa check card is used to make a withdrawal or transfer from Your 
Checking Account, but the amount of the withdrawal or transfer exceeds the balance available for withdrawal from Your Checking 
Account, We will lend the excess under Your Account , (2) if any other amount is sought to be withdrawn from Your Checking 
Account (for example, by a check or to pay a service charge or other fee charged against Your Checking Account) but exceeds 
the balance available for withdrawal from Your Checking Account, We will lend the excess under Your Account, (3) if at any banking 
office of M&T Bank, You cash a check or other item but the check or other item is not paid by the financial institution on which it is 
written, the amount of the check or other item will be considered to have been lent under Your Account, and (4) if any transfer or 
other transaction made or attempted to be made by any means results in a transfer or transaction in an amount in excess of the 
balance  available  for  withdrawal  from  Your  Checking  Account,  We  will  lend  the  excess  under  Your  Account.    This  paragraph 
applies regardless of who initiates the transaction that accesses Your Account.  

For M&T Secured Credit Card Accounts Only 

You agree that the creation of, and access to, Your Account is conditioned on You providing a security deposit in an amount 
equal to Your credit limit (“Security Deposit”).  If You do not already have a savings account with M&T Bank (“Savings Account”), 
You will be required to open an account prior to the opening of this Credit Card Account.  You agree that We may hold the 
Security Deposit in Your Savings Account during the term of this Agreement, or until We determine that a Security Deposit is no 
longer required.  You agree that 1.) You will not have access to the Security Deposit in Your Savings Account, 2.) You have 
granted Us a Security Interest in such funds, 3.) You have pledged such funds as collateral, and 4.) We will maintain full control 
of the Security Deposit during the term of this Agreement. 

We may apply any part or the full amount of the Security Deposit to the Outstanding Balance owed on Your Account in the event 
that 1.) You default under any of the terms of the Agreement, 2.) You close Your Account, 3.) We terminate Your Account for any 
reason, or 4.) the Savings Accounts holding your Security Deposit is no longer in good standing.  Such application of funds shall 
not satisfy any Minimum Monthly Payment under the Agreement.  After We apply such funds, any excess funds will remain in 
Your Savings Account, and will no longer be pledged.    

We may, at Our discretion release Our hold on the Security Deposit but will not be required to do so.   
Joint and Several Liability  

If more than one owner or co-applicant applies for an Account, You and Your joint Account holder promise to pay and are jointly 
and individually responsible for all amounts due on the Account.  This means that We can require any one of You individually to 
repay the entire amount owed under this Agreement. Each of You authorizes the other(s) to make Purchases, cash Advances, or 
otherwise access Your Account, individually as well as for each Cardholder.  Any one of You may terminate the Account and the 

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termination will be effective as to all of You.  You understand and agree that in the event of conflicting directions, We will terminate 
the Account upon receiving a request by any co-applicant of the Account.  

Our Right to Cancel Your Account / How to Cancel Your Account 

We can suspend, cancel or terminate the Account and/or revoke Card(s) at any time without prior notice, except as required by 
law.  You or a Cardholder cannot use a Card or Checks after any such termination or cancelation has occurred.  You can cancel 
the Account by notifying Us.  In either case, You and any Cardholder agree to destroy all Cards and Checks.  Cancellation of the 
Account will not affect Your liability to Us for the Outstanding Balance and any other costs related to the Account.  You are also 
responsible for all Transactions made to the Account after termination until such time as You duly notified Us in accordance  with 
the section below, unless the Transactions were fraudulent.  Checks are no longer valid if the Account has been suspended or 
terminated. 

Lost or Stolen Cards / Liability for Unauthorized Use 

You must notify Us orally or in writing immediately of the loss, theft, or possible unauthorized use of the Card or Checks.  You are 
not liable for unauthorized Transactions made by using the Card after You duly notify us of its loss, theft, or suspected unauthorized 
user and allow Us a reasonable amount of time to act.  Under VISA Rules, You will generally have no liability for the unauthorized 
use  of  any  Card  after  its  loss  or  theft.    If  there  is  an  exception  to  the  VISA  “zero  liability”  operating  rule,  such  as  if  You  or  a 
Cardholder are grossly negligent in handling Your Card, Your maximum liability is $50.  You can notify Us by calling 1-800-724-
2440 or writing Us at:  M&T Bank, PO Box 8405, Wilmington, DE 19899-8405.  

You  agree  to  assist  Us  in  determining  the  facts,  circumstances  and  other  pertinent  information  relating  to  any  loss,  theft  or 
suspected unauthorized use of a Card and Account and comply with such procedures as We may require in connection with Our 
investigation, including assisting in the prosecution of any unauthorized user. 

Credit Limit 

The Account’s “Credit Limit” is the maximum amount of Transactions (Purchases, cash Advances, Checks, Balance Transfers, 
overdraft protection, promotional cash Advances, and promotional Balance Transfers), interest, finance charges, plus any  other 
charges that We allow You to owe Us on Your Account at any time.  You will be advised of the Credit Limit when We issue the 
Card(s) connected to the Account.  You shall not allow Your Outstanding Balance to exceed Your Credit Limit. However, if You 
exceed Your Credit Limit, You are still responsible to pay the Outstanding Balance to Us. Notwithstanding a higher Credit Limit, 
We do not give up any of Our rights under this Agreement and We can require that You immediately pay to Us any amount in 
excess of Your Credit Limit.  We may establish a maximum cash advance amount that is less than Your Credit Limit.  This cash 
advance limit is deemed to be the “Cash Limit”.  

Each payment You make on the Account will restore the Credit Limit by the amount of the payment, unless You are over Your 
Credit Limit.  At Our sole discretion, We may wait to restore Your Credit Limit until We have actually collected the funds You have 
submitted to Us in payment.  If You are over the Credit Limit, You must pay the amount You are over before payments will begin 
to restore the Credit Limit.  You may request an increase in the Credit Limit only by a method acceptable to Us that We communicate 
to You.  

We can increase or decrease the Credit Limit at any time for any reason and We can refuse to make a Transaction (without 
prior notice) at any time for any reason not prohibited by law.  We are not responsible for any losses if a Transaction is 
declined for any reason, either by Us or someone else, even if You have credit availability.  We may require You to register 
Your account with an authorization system that We select for online Transactions, and decline Your online Transactions 
if You do not register.  

Interest Charges and Fees 

We  calculate  interest  on  the  Account  using  the  average  daily  balance  method  (including  new  Transactions)  “Average  Daily 
Balance”.  We calculate interest separately for each category of Transactions (purchases, Advances, Checks, balance transfers, 
overdraft  protection,  promotional  cash  advances,  and  promotional  balance  transfers).    For  each  category  of  Transaction,  We 
calculate a “Balance Subject to Interest Rate” for the billing cycle by adding up the daily balances and dividing that amount by 
the number of days in the billing cycle.  Interest for each balance is calculated by multiplying the “Daily Periodic Rate” for each 
balance times the Balance Subject to Interest Rate for each category and by the number of days in the billing cycle.    

We begin with the balance for each category on the first day of the billing cycle and add any unpaid periodic interest charge.  To 
get the daily balance for each category, We take the beginning balance each day, add any periodic interest from the prior day, add 
any new transactions and other debits (such as fees), subtract any credits or payments as of that day and make other adjustments.  

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A credit balance is considered zero.  Then, for each category, We calculate a Balance Subject to Interest Rate for the billing cycle 
by adding up the daily balances and dividing that amount by the number of days in the billing cycle. 

Except as provided in the section headed “Paying Interest,” interest will begin to accrue on any Transaction on the transaction 
date.  For Checks, the transaction date is the date the check is presented to Us for payment. 

Your APRs and Daily Periodic Rates may vary (i.e., increase and decrease) with changes in the Prime Rate (as defined below).  
We will determine Your purchase APR by adding Your purchase margin to the Prime Rate. We will determine Your cash Advance 
and Check APRs by adding a margin of 18.99% to the prime rate, and Your overdraft APR by adding a margin of 18.99% (10.99 
for accounts opened prior to 6/5/14) to the Prime Rate. Your balance transfer APR will be equal to Your purchase APR after any 
applicable promotional period expires.  To the extent permitted by applicable law, Your APRs are not subject to a maximum 
limit. 

We calculate each APR for each monthly billing cycle by adding the appropriate margin to the prime rate published in 
The Wall Street Journal on the first business day of the previous month. The “Prime Rate” is the highest U.S. Prime Rate 
published in the Money Rates section of The Wall Street Journal. The Prime Rate is not the lowest or the best interest rate available 
to a borrower at any particular bank at any particular time – it is only a pricing index. If The Wall Street Journal stops publishing 
the Prime Rate, We will select a similar pricing index rate to calculate Your APRs. 

For each billing period, We see what the Prime Rate was on the first business day of the previous month. For example, the Prime 
Rate for the billing period beginning March 1 will be the Prime Rate published on February 1. We then add the applicable margin 
to that Prime Rate to get the APR. The Daily Periodic Rate is 1/365th of the APR, and 1/366th in a leap year. If Our calculation 
results in a change to a Daily Periodic Rate from the previous month because the Prime Rate has changed, the new rate will apply 
as of the first day of Your billing period that begins for the current monthly billing cycle.  If the Daily Periodic Rate increases, You 
will have to pay a higher interest charge and may have to pay a higher Minimum Monthly Payment.  

Paying Interest 

Your due date will be at least 25 days after the close of each billing cycle.  If a monthly statement includes new purchases, You 
may avoid paying interest on those new purchases by paying the entire new balance reflected on that monthly statement (the “New 
Balance” for that month) in full by the payment due date for that monthly statement (the “Payment Due Date” for that month).  If 
We do not receive the entire New Balance by the Payment Due Date, interest will be charged on the purchases from the date of 
the transaction.  Interest charges on balance transfers, cash advances, and overdraft advances begin to accrue on the transaction 
date and continue to accrue until paid in full, and will be assessed even if Your entire New Balance is paid by the Payment Due 
Date.  

Penalty Rate 

A Penalty APR of 24.99% (Daily Periodic Rate of .06847%) will apply to all balance categories instead of the introductory APR or 
regular APRs if You fail to pay the Minimum Monthly Payment within 60 days after its due date.  If You promptly remedy the default, 
Your Account will return to the regular APRs for each balance after 6 consecutive cycles in which Your Account is deemed current 
and is not in default.  Otherwise, Your APRs will remain at 24.99% (Daily Periodic Rate of .06847%) until Your Outstanding Balance 
is paid in full.  The  APR increase will occur regardless of whether We exercise any other right or remedy  permitted under this 
Agreement or by law for Your default. 

Fees and Charges 

Late Charges. You must pay a late charge, as described below, if any Minimum Monthly Payment is overdue. 

Late Payment Charge of $25 ($35 if You make a late payment within 6 billing cycles of any previous late payment).  We add the 
late charge to Your purchase balance. 

Returned Check Charges. If You use a payment check to pay any amount owing under Your Account and the check is not paid, 
You must pay a returned check charge of $25.  We add the charge to Your purchase balance as of the date of dishonor.  

Cash Advance. If You obtain a cash advance, You must pay a cash advance fee of three percent (3%) of the value of the cash 
that is advanced, subject to a $10 minimum fee.  This fee is a FINANCE CHARGE.  We add the fee to Your cash advance balance 
as of the Transaction date. 

Balance Transfer. If You obtain a balance transfer, You must pay a balance transfer fee of four percent (4%) of the value of the 
transferred balance, subject to a $10 minimum fee.  This fee is a FINANCE CHARGE.  We add the fee to Your balance transfer 
balance as of the Transaction date. 

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We may decline balance transfer requests under certain circumstances. For example, if the Account is delinquent or overlimit, We 
may  decline  to  process  a  request  for  balance  transfer.  If  We  do,  We  will  notify  You.    The  balance  transfer  limit,  including  all 
applicable fees, may not exceed the value of the Account’s available credit line. If the total balance transfer amount You request 
exceeds the value of the available credit line, You authorize Us to send either full or partial payment to Your creditors in the order 
You provide them to Us.   

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. 

Overdraft Transfer. If You have linked Your Checking Account to Your Account, You must pay a $12.50 transfer fee on each day 
a transfer to Your Checking Account occurs. You will only pay one $12.50 transfer fee per day, regardless of the number of transfers 
made during that day.  This fee is a FINANCE CHARGE.  We add the fee to Your overdraft balance as of the Transaction date. 

Unpaid Convenience Check Fee. If We do not pay a Check (because You have asked Us not to do so or if we have decided not 
to pay it because You are in default, a Check has expired, etc.) You must pay an Unpaid Convenience Check Fee of $25.  

Foreign Transaction Fee.  If You use Your Card for any transaction involving a foreign currency (not in U.S. dollars), You must 
pay a Foreign Transaction Fee of three percent (3%) of the value of the transaction after conversion to U.S. dollars, unless You 
have the M&T Visa® Signature Credit Card, on which no Foreign Transaction Fees are charged. 

Expedited Card Fee.  If You request that We expedite the delivery of a replacement Card, You must pay an Expedited Card Fee 
of $25. 

Administrative Fees. We may charge You for copies of billing statements, sales drafts or other records or for special services 
You  request.   We  will  not  charge  You  for  copies  of  documents  You  request  for  a  billing  dispute  You  assert  against  Us  under 
applicable law.  These charges may change from time to time and will be added to Your purchase balance as of the date of the 
request. 

Fee Limitations.  We will not charge You a Late Payment Charge, Returned Check Charge, or Unpaid  
Convenience  Check  Fee  that  exceeds  the  amount  of  the  associated  payment/check.    For  example,  if  Your  Minimum  Monthly 
Payment amount is $20 and You make a late payment, You will be charged a $20 Late Payment Charge. 

Method of Payment 

You must pay Us Your Outstanding Balance.  You can pay it in full at any time without any penalty, or You can pay it in installments.  
You must pay it in United States dollars drawn on funds on deposit in a United States financial institution or the United States 
branch of a foreign financial institution using a payment check, money order or automatic debit payable to our order that will be 
honored by Your financial institution.  By the date shown on any statement for Your Account, You must pay at least the Minimum 
Monthly Payment shown on the statement.  

Monthly Minimum Payment 

The “Minimum Monthly Payment” is the greater of: 

(a) $15: or  
(b) 2.5% of the Outstanding Balance of Your Account at the end of a billing period plus the greater of (i) any amounts 
over limit or (ii) any past due amounts.   

Your Minimum Monthly Payment will be rounded to the nearest dollar.  

Defer a Payment 

In Our sole discretion, We may allow You to defer making the Minimum Monthly Payment for certain billing periods.  During the 
deferred-payment period, interest will be assessed, but no late fee will be imposed.  At the end of the deferred-payment period, all 
terms of this Agreement that would have applied, were it not for the deferred-payment feature, will automatically resume without 
notice. 

Payment Requirements 

We  do  not  accept  cash  payments  through  the  mail.    Mailed  payments  must  be  made  by  payment  check  or  money  order 
accompanied by the payment stub attached to the statement and must be received by Us at Credit Card Payment Processing, 
P.O. Box 62014, Baltimore, MD 21264-2014.  Payments made in person must be made at an M&T Bank branch by payment check 

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or money  order  accompanied  by  the  payment  stub  attached  to  the  statement.    Checks must  be made  payable  to  M&T  Bank.  
Except  to  the  extent  required  by  applicable  law,  if We  accept  any  payment  that  does  not  conform  to  these  requirements,  the 
payment need not be posted or considered to have been made until the 5th day after the date We receive it. 

Payment Allocation 

We will allocate Your payments in the manner We determine.  In most instances, We will allocate Your payments up to the Minimum 
Monthly Payment to balances (including Transactions made after the statement) with lower  APRs before  balances  with higher 
APRs.  Payments above the Minimum Monthly Payment will be allocated to balances with higher APRs before balances with lower 
APRs.   

Foreign Transactions 

Transactions  made  in  foreign  countries  and  foreign  currencies  will  be  billed  to  You  in  U.S.  dollars.    The  exchange  rate  for 
transactions in a foreign currency will be a rate selected by VISA from the range of rates available in wholesale currency markets 
for the applicable central processing date, which rate may vary from the rate VISA itself receives, or the government mandated 
rate in effect for the applicable central processing date.  The exchange rate in effect on the central processing date may differ from 
the rate in effect on either the transaction date or the posting date.  The exchange rate is subject to change by VISA.   

Amendment of Agreement 

To the extent allowed by law, We may change the terms of this Agreement from time to time,  regardless of whether You have 
access to Your Account, by adding, deleting, or modifying any provision (an “Amendment”).  Once amended, any reference to 
Your “Agreement” will mean the Agreement as modified by the Amendment.  Our right to add, delete, or modify provisions includes 
financial terms, such as the APRs and fees, and any other terms including, for example, the nature, extent, and enforcement of 
the rights and obligations You or We may have relating to this Agreement.  Notice of any change will be given in accordance with 
applicable law.  The Amendment will become effective on the effective date stated in the notice.  Use of Your Card after receiving 
notice of a change will further evidence Your agreement to the change.  If permitted by law and unless otherwise specified in the 
notice to You, the change will apply to Your Outstanding Balance as well as to future transactions.  If You give Us written notice 
that You do not agree to the change, We will terminate Your Account and You will be permitted to pay the Outstanding Balance as 
of the effective date under the terms of the Agreement governing Your Account at the time our notice was given.  If You use Your 
Card after the effective date of the Amendment, You will be considered to have agreed to the new terms even if You have sent Us 
such written notice.  

Reissuance of Cards 

You agree that at any time for any reason We may reissue a Card to You and/or may ask You to return any or all Cards.  

Default 

Except to the extent prohibited by applicable law, You will be in default if: 

1)  You fail to make any payment when due under this Agreement or to comply with any of the other terms of this Agreement 

in existence now or in the future;  

2)  You die, file for bankruptcy or become insolvent; 

3)  You make any false or misleading statements in any credit application or credit update, or violate any other provision of 

this Agreement;  

4)  We believe Your ability to pay what is owed under this Agreement has been substantially reduced; 

5)  You fail to pay any other indebtedness owed to Us or our affiliates existing now or coming into existence in the future by 

the date it becomes due; 

6)  Legal proceedings are commenced to take any property belonging to You whether now existing or hereafter acquired; or 

7)  Any tax or other involuntary lien is filed or recorded against any property belonging to You now or in the future,  

If You are in default, We may declare the Outstanding Balance and any other amounts You owe to be immediately due, prohibit 
further Transactions (without prior notice), cancel the Cards, terminate the Account, and revoke any privileges associated with the 

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Card  or  Account.  We  may  increase  Your  APRs  to  the  Penalty  APR  under  the  circumstances  described  in  the  section  in  this 
Agreement headed “Penalty Rate.”  

Collection Costs 

If You are in default, to the extent permitted by applicable law, You agree to pay reasonable collection expenses that We incur 
enforcing this Agreement, including court costs and attorney’s fees not exceeding 20% of the amount due and payable under this 
Agreement if it is referred to an attorney not Our salaried employee for collection. 

Communication Regarding Account, Statements and Notices 

You  authorize  Us  to  contact  You  by  telephone  regarding  Your  Account.    To  assure  customer  service  quality,  telephone 
communications with You may be monitored and recorded, without further notice.  You agree that such telephone calls may be 
monitored, recorded and automatically dialed and that a recorded message may be played.  You agree that such telephone calls 
are not unsolicited telephone calls for purposes of any state or federal law. 

All notices required in this Agreement must be in writing.  You will send all notices to Us to the address shown in Your periodic 
statement, unless We notify You otherwise.  Notices to Us are effective when We receive them and have a reasonable opportunity 
to act on them. 

Statements and notices, which We can send by regular mail, will be mailed to You at the most recent address You have given Us, 
as shown in our records concerning Your Account.  Notice sent to any one of You will be considered notice to all. 

Waivers 

No change in this Agreement can be made except in writing, signed by Us.  We can do any of the following without notifying You 
or losing any right with respect to Your Account or against You: 

1)  Accept any check or other order marked “Paid in Full” or with similar language as a payment under this Agreement;  

2)  Give additional time for payment of any amount owing under this Agreement; or 

3)  Exercise, give up, fail to exercise or delay exercising any right with respect to Your Account or against any person.  

For example, We can sue You to collect the Account’s Outstanding Balance whether or not We sue anyone else. 

If property is or will be security for another debt You owe Us and under the terms of that indebtedness the property would secure 
amounts You owe under this Agreement, We waive  the right  to treat the property as security for amounts You  owe  under this 
Agreement.  

PIN 

If applicable, You may be requested to change Your PIN from time to time as instructed by the Bank. You agree that You will not 
disclose,  and  will  prevent  the  disclosure  of,  Your  PIN.    If  the  confidentiality  of  the  PIN  is  compromised,  You  shall  notify  Us 
immediately.  You assume sole responsibility for maintaining the PIN.   

Credit Information 

You authorize Us to investigate Your credit standing when opening, renewing or reviewing Your Account from time to time, including 
by obtaining information from credit bureaus and others. You authorize Us to disclose information regarding the Account to credit 
bureaus and other creditors who inquire of Us about Your credit standing. We may also provide information to credit bureaus 
in the name of an Authorized User. 

Financial and Other Information  

If You change the address of Your residence, Your mailing address or Your employer or if there is any unfavorable change in Your 
financial condition, You must promptly notify Us in writing of the change.  Whenever We ask You to do so, You must submit to Us 
a financial statement in a form satisfactory to Us. 

Limitation on Interest and Finance Charges  

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Interest and other finance charges will not be payable at a rate in excess of the maximum rate allowed by applicable law.  To the 
extent necessary to result in all finance charges not being payable at a rate in excess of that maximum rate, any amount that would 
be treated as part of those finance charges under a final interpretation of that law by a court will be considered to be a mistake, 
will be considered to be automatically canceled and, if received by Us, will be refunded to You, it being Your and Our intention that 
those finance charges not be payable at a rate in excess of that maximum rate.  

Returns and Adjustments  

If Your credits and payments exceed what You owe Us, We will hold and apply this credit balance against future Transactions, or 
if it is $1.00 or more, refund it on Your written request or automatically within six months.  

Transfers  

We may transfer or assign the Account and/or this Agreement, or any of Our rights under this Agreement, to another person or 
entity at any time without prior notice to You or Your consent. If the assignee asks You, You must pay the assignee the amount 
You owe on the Account.  

Your rights under this Agreement cannot be transferred by You, by operation of law, or otherwise, but Your obligations shall  be 
binding upon Your estate or personal representatives. 

Illegal Transactions Prohibited 

You must ensure that the Card is not used for any illegal transaction and agree not to engage in any transactions that are illegal 
in  the  jurisdiction  where  You  live  and/or  where  the  transaction  occurs.    Internet  gambling,  for  example,  may  be  illegal  in  the 
jurisdiction  where  You  live.    You  nevertheless  agree  that  You  will  be  liable,  according  to  the  terms  of  this  Agreement,  for  all 
transactions, whether deemed legal or illegal. We have the right, but not the obligation, to decline any such Transaction. 

Additional Transactions Prohibited 

You must not obtain any Transaction to (1) make a payment under this Agreement or pay any other indebtedness existing now or 
coming into existence in the future from You to Us or any current or future M&T Bank affiliate or (2) buy, carry or trade in, or repay 
any indebtedness originally incurred to buy, carry or trade in, any margin stock or margin security. Use of Your Account must be 
limited to personal, family, or household purposes.  

Giving Up of Rights  

Except to the extent prohibited by applicable law, You give up any right to require that We (1) demand that You pay any amount 
owing under this Agreement, (2) notify You if any amount owing under this Agreement is not paid by the date it becomes due or 
(3) obtain a certificate stating that any amount owing under this Agreement was not paid by the date it became due. 

Military Lending Act 

Notwithstanding any other provision of this Agreement, if You are a “covered borrower” under the Military Lending Act, as defined 
at 32 CFR § 232.3(g), nothing in this Agreement shall be construed as applying to You or Your Account to the extent inconsistent 
with the Military Lending Act.   

Governing Law 

This  Agreement is entered into by Us,  and made in accordance with, federal law and, to the extent  not preempted by 
federal law, the law of the State of Delaware, where We and your Account are located.  Regardless of the state of Your 
residence  or  the  place  to  which  You  submitted  an  application,  or  where  Your  Account  is  used,  except  as  provided 
otherwise in the Arbitration provision below, any legal question concerning Your Account, including, without limitation, 
provisions  of  the  Agreement  relating  to  finance  charges,  other  charges  and  fees,  will  be  decided  in  accordance  with 
applicable  federal  law  and,  except  where  preempted  by  federal  law,  or  as  made  applicable  by  federal  law,  applicable 
Delaware State law without regard to its conflict of law principles. 

Arbitration and Dispute Resolution  

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IT IS IMPORTANT THAT YOU READ THIS ENTIRE SECTION VERY CAREFULLY. THIS SECTION PROVIDES FOR 
RESOLUTION OF DISPUTES INVOLVING YOUR ACCOUNT THROUGH FINAL AND BINDING ARBITRATION BEFORE 
ONE NEUTRAL ARBITRATOR INSTEAD OF IN A COURT BY A JUDGE OR JURY OR THROUGH A CLASS ACTION. 

YOUR RIGHT TO REJECT ARBITRATION. You may reject this arbitration provision (and any prior arbitration agreement 
between You and Us that You have not had a prior chance to reject) as to Claims (as defined below) arising on or after 
November 8, 2011, by mailing or emailing Us a rejection notice by 30 days after the date You open Your Account. The 
rejection notice must be signed and must provide Your name(s), address(es) and Account number and state that You 
reject arbitration for such Credit Card. The rejection notice must be sent to Us at M&T Bank, Regulatory Support, PO 
Box 1468, Buffalo, NY 14240-1468 (Attn: Arbitration Rejection).  If You do not reject this arbitration provision, the 
following terms will apply to Your Account. Regardless of whether You exercise Your right to reject arbitration as 
described above, any Claim arising prior to November 8, 2011 will continue to be subject to arbitration under this 
provision or a prior arbitration agreement, as applicable. 

Agreement to Binding Arbitration 

Each dispute or controversy that arises out of or is related to Your Account with Us, or any service We provide in connection with 
Your Account, or any matter relating to your or our rights and obligations provided for in this Agreement or any other agreement 
between You and Us relating to Your Account or a service provided by Us in connection with Your Account, whether based on 
statute, contract, tort, fraud, misrepresentation or any other legal or equitable theory, including any claim for interest and 
attorney’s fees, where applicable (any “Claim”), must be determined on an individual basis (not as a class action) by binding 
arbitration in accordance with the Federal Arbitration Act (“FAA” – Title 9 of the United States Code) under the auspices of the 
American Arbitration Association (“AAA”). Judgment on an arbitration award may be entered in any court having jurisdiction. This 
arbitration provision applies to all Claims regardless of whether such Claims seek monetary, injunctive or declaratory relief or a 
combination of such types of relief.  You and We retain the right, however, to pursue a Claim in small claims court instead of 
arbitration, provided that the Claim is in that court’s jurisdiction and proceeds on an individual basis.   Any issue regarding the 
validity or enforceability of the arbitration obligations set forth in this agreement, and any issue regarding whether a particular 
dispute or controversy is a Claim that is subject to arbitration, shall be decided by the arbitrator.   

Applicable Arbitration Rules 

If the amount in controversy is less than $10,000, the Consumer Arbitration Rules of the AAA will apply. Otherwise, the 
Commercial Arbitration Rules of the AAA will be applicable (the Consumer and Commercial Arbitration Rules are sometimes 
hereinafter collectively referred to as the “Arbitration Rules”). Information about the arbitration process, the Consumer or 
Commercial Arbitration Rules, the AAA’s fees and the nearest AAA Case Management Center is available from the AAA online 
at www.adr.org. Information about AAA procedures, rules, fees and nearest offices will also be made available to You by 
contacting the corporate headquarters of the AAA at 1-800-778-7879. 

Representation  

You may, but You do not have to, hire an attorney to represent You in any arbitration. 

Number of Arbitrators and Qualifications  

Only ONE arbitrator will be selected.  The arbitrator will be selected by mutual agreement between You and Us.  If You and We 
cannot agree on an arbitrator then the AAA will select the arbitrator according to its rules.  Each arbitrator shall be a licensed 
attorney who has engaged in the private practice of law continuously during the 10 years immediately preceding the arbitration or 
a retired judge of a court of general or appellate jurisdiction. 

Language  

The language of the arbitration shall be in English. Any party desiring or requiring a different language shall bear the expense of 
an interpreter. 

Location   

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Arbitration hearings will take place in the federal judicial district that includes Your address at the time the Claim is filed, or 
another location in reasonable proximity to Your address, unless the parties agree to a different location.  You or We may choose 
to appear at the arbitration by telephone or other electronic means subject to the written consent of each party. 

Rules Governing Arbitration  

You and We acknowledge that this Agreement evidences a transaction involving interstate commerce. The FAA shall govern the 
interpretation, enforcement and proceedings pursuant to the arbitration provisions in this section. All statutes of limitation, 
defenses, and attorney-client and other privileges that would apply in a court proceeding will apply in the arbitration. In 
conducting the arbitration and making the award, the arbitrator shall be bound by and shall strictly enforce the terms of this 
Agreement and may not limit, expand or otherwise modify its terms. 

Tolling of Statute of Limitations  

The filing of a demand for arbitration in accordance with the Arbitration Rules will suspend any requirement to file a notice of 
claim or to commence an action until the conclusion of the arbitration process. 

Remedies Available  

The arbitrator will have no authority to award punitive or other damages not measured by the prevailing party’s actual damages, 
except as may be required by statute. Subject to the foregoing limitation, the arbitration award shall provide only such relief as a 
court of competent jurisdiction could properly award under applicable law. The award shall be in writing, shall be signed by the 
arbitrator and shall include a statement regarding the reasons for the disposition of each and every Claim raised during the 
arbitration. 

Second Arbitration.  The arbitrator’s award shall be final and binding unless You or We submit a notice  in writing to the AAA 
requesting a second arbitration before a new arbitrator (the second arbitrator)  within - thirty (30) days of notice of the initial 
award.  The second arbitrator will be selected in the same manner as the initial arbitrator under the provisions above.  The 
second arbitrator will consider all factual and legal issues anew and follow the same rules that apply to a proceeding using the 
initial arbitrator.      

Costs and Arbitration Fees 

If a Claim is arbitrated, We will pay or reimburse You for up to $1,000 in arbitration fees that would otherwise be charged to 
You by the arbitration administrator. In addition, You may tell Us in writing that You can’t afford to pay the fees charged by the 
arbitration administrator or that You believe those fees are too high. If You do so, We will pay or reimburse You for up to all of 
the arbitration administrator fees that would otherwise be charged to You by the arbitration administrator if Your request is 
reasonable and made in good faith. We will always pay the arbitration fees if applicable law requires Us to. We will not ask 
You to pay or reimburse Us for any arbitration fees We pay the administrator. 

We will pay Our own attorney fees, expert fees and/or witness fees associated with any arbitration, regardless of the 
outcome. If You commence an arbitration proceeding and prevail on Your Claim, We will pay Your reasonable attorney fees 
up to $5,000, unless applicable law allows You the right to recover additional attorney fees. We will not pay expert fees 
and/or witness fees. 

No Consolidation of Actions or Class Actions  

There will be no class Claim (i.e., Claims by or on behalf of other persons will not be considered in or consolidated with the 
arbitration proceedings between You and Us). The arbitrator may not consolidate Your Claims with any other person’s claims 
(except for persons who are Joint Account holders on Your Account) and may not otherwise preside over any form of a 
representative or class proceeding. 

Other Actions Available; No Waiver of Right to Arbitrate   

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The arbitration provisions contained in this section do not limit Your or Our right, whether before, during or after the pendency of 
any arbitration proceeding, to exercise self-help remedies such as the right of set-off or to obtain provisional or ancillary remedies 
or injunctive or other traditionally equitable relief (other than a stay of arbitration) necessary to protect the rights or property of the 
party seeking relief pending the arbitrator’s determination of the merits of the Claim. The taking of any of the actions described in 
the preceding sentence by either party or the filing of a court action by a party shall not be deemed to be a waiver of the right to 
demand arbitration of any Claim, including Claims that are asserted as a counterclaim or the like in response to any such action. 

Military Lending Act   

If You are a Covered Borrower under the Military Lending Act, You are not required to submit to arbitration. 

Survivability  

The foregoing “Arbitration and Dispute Resolution” provisions, in which You and We have agreed to arbitrate disputes, will 
survive the termination of Your Account with Us, whether evidenced by this agreement or otherwise. 

YOU ACKNOWLEDGE THAT YOU HAVE CAREFULLY READ THE FOREGOING DISPUTE RESOLUTION PROVISIONS IN 
WHICH YOU AND WE HAVE AGREED TO ARBITRATE DISPUTES. YOU UNDERSTAND THAT THESE PROVISIONS LIMIT 
OR WAIVE CERTAIN OF YOUR RIGHTS WITH RESPECT TO CLAIMS THAT YOU ARE AGREEING TO ARBITRATE 
PURSUANT TO THESE PROVISIONS. YOU UNDERSTAND THAT THERE WILL BE NO CLASS CLAIMS IN ARBITRATION. 
YOU FURTHER UNDERSTAND THAT DISCOVERY – THE ABILITY TO OBTAIN INFORMATION FROM THE OTHER PARTY 
– MAY BE MORE LIMITED IN ARBITRATION THAN IN A COURT PROCEEDING, AND THE RIGHT AND GROUNDS OF 
APPEAL FROM AN ARBITRATOR’S AWARD ARE MORE LIMITED THAN IN AN APPEAL FROM A COURT JUDGMENT. IN 
ADDITION, YOU UNDERSTAND THAT CERTAIN OTHER RIGHTS YOU HAVE IN A COURT PROCEEDING ALSO MAY NOT 
BE AVAILABLE IN ARBITRATION. 

Legal Proceedings 

Regardless of whether You accept or reject arbitration in accordance with this Agreement: 

Before You commence any legal proceeding (including any arbitration proceeding) relating to a Claim, You must first contact Us 
about the Claim and give Us an opportunity to resolve it. Similarly, before We commence a legal proceeding (including any 
arbitration proceeding) relating to a Claim, We must attempt to resolve it with You.  If any such Claim cannot be resolved within 60 
days from the date You or We are notified about it, the Claim may proceed to arbitration or other legal proceeding in accordance 
with this agreement. 

In no event will We be liable for any special, incidental, consequential or punitive losses or damages of any kind relating in any 
manner to a Claim whether such Claim is addressed in any legal proceeding or in court or in arbitration, except to the extent that 
this limitation of damages is prohibited by law. 

There will be no class Claim in arbitration (see section entitled “No Consolidation of Actions or Class Actions” above) or in any 
other legal proceeding (i.e., claims by or on behalf of other persons will not be considered in or consolidated with the arbitration 
or other legal proceedings between You and Us).  This section will prevail unless prohibited by applicable law.  

Transactions on Accounts with Pending Disputes 

We will not be liable if, because of any dispute or legal proceeding of any kind between You and any third party, including an 
Authorized User or Joint Account holder, We do not allow Transactions on Your Account.  Also, We will not be liable if, despite 
any such dispute or legal proceeding, We allow Transactions on Your Account. 

Evidence 

In any legal proceeding (including any arbitration proceeding between You and Us) involving Your Account or any governing 
document for Your Account, any copy of that governing document kept by Us in the regular course of our business is to be 
admitted in evidence as an original of that governing document. 

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Continued Effectiveness 

If any part of any governing document for Your Account is determined by a court to be invalid, the rest of that governing document 
and the other governing documents for Your Account will remain in effect, except for the Arbitration Provision’s prohibition against 
class  actions.    If  the  prohibition  against  class  actions  is  held  to  be  invalid,  then  the  Arbitration  Provision  will  be  deemed  to  be 
inapplicable to any class or representative claim.     

Notice of Your Billing Rights: Keep this Document for Future Use 

This notice tells You about Your rights and our responsibilities under the Fair Credit Billing Act. 

*  * 

* 

What To Do If You Find A Mistake On Your Statement 

If You think there is an error on Your statement, write Us at: 

M&T Bank 
P.O. Box 8405 
Wilmington, DE 19899-8405 

In Your letter, give Us the following information: 

•  Account Information:  Your name and Account number. 
•  Dollar Amount:  The dollar amount of the suspected error. 
•  Description of problem:  If You think there is an error on Your bill, describe what You believe is wrong and why You 

believe it is a mistake.   

You must contact Us: 

•  Within 60 days after the error appeared on Your statement. 
•  At least 3 business days before an automated payment is scheduled, if You want to stop payment on the amount You 

think is wrong. 

You must notify Us of any potential errors in writing.  You may call Us, but if You do We are not required to investigate any potential 
errors and You may have to pay the amount in question. 

What Will Happen After We Receive Your Letter 

When We receive Your letter, We must do two things: 

1)  Within 30 days of receiving Your letter, We must tell You that We received Your letter.  We will also tell You if We have 

already corrected the error. 

2)  Within 90 days of receiving Your letter, We must either correct the error or explain why We believe the bill was correct.  

While We investigate whether or not there has been error: 
o  We cannot try to collect the amount in question, or report You as delinquent on that amount. 
o  The  charge  in  question  may  remain  on  Your  statement,  and  We  may  continue  to  charge  You  interest  on  that 

amount. 

o  While You do not have to pay the amount in question, You are responsible for the remainder of Your balance. 
o  We can apply any unpaid amount against Your credit limit.  

After We finish our investigation, one of two things will happen: 

• 

• 

If We made a mistake:  You will not have to pay the amount in question or any interest or other fees related to that 
amount. 
If We do not believe there was a mistake:  You will have to pay the amount in question, along with applicable interest 
and fees.  We will send You a statement of the amount You owe and the date payment is due.  We may then report 
You as delinquent if You do not pay the amount We think You owe.   

If You receive our explanation but still believe Your bill is wrong, You must write to Us within 10 days telling Us that You still refuse 
to pay.  If You do so, We cannot report You as delinquent without also reporting that You are questioning Your bill.  We must tell 

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You the name of anyone to whom We reported You as delinquent, and We must let those organizations know when the matter has 
been settled between Us.   

If We do not follow all of the rules above, You do not have to pay the first $50 of the amount You question even if Your bill is 
correct. 

Your Rights if You Are Dissatisfied With Your Credit Card Purchases 

If You are dissatisfied with the goods or services that You have purchased with Your credit card, and You have tried in good faith 
to correct the problem with the merchant, You may have the right not to pay the remaining amount due on the purchase.   

To use this right, all of the following must be true: 

1.  The purchase must have been made in Your home State or within 100 miles of Your current mailing address, and the 
purchase price must have been more than $50.  (Note:  Neither of these are necessary if Your purchase was based 
on an advertisement We mailed to You, or if We own the company that sold You the goods or services.) 

2.  You must have used Your credit card for the purchase.  Purchases made with cash advances from an ATM or with a 

check that accesses Your credit card Account do not qualify. 

3.  You must not yet have fully paid for the purchase. 

If all of the criteria above are met and You are still dissatisfied with the purchase, contact Us in writing at:  

M&T Bank 
P.O. Box 8405 
Wilmington, DE 19899-8405 

While We investigate, the same rules apply to the disputed amount as discussed above.  After We finish our investigation, We will 
tell You our decision.  At that point, if We think You owe an amount and You do not pay, We may report You as delinquent. 

© M&T Bank 

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