Active duty U.S. Military members may be eligible for benefits and/or protections related to their accounts with M&T Bank, including:

• Mortgages
• Home Equity Lines of Credit
• Student Loans
• Credit Cards and Auto Loans
• Marine and other Installment Loans
• Lines of Credit

Some of these benefits and/or protections include:

• Reduction or limits on interest rates. You may be entitled to a 6% interest rate cap (inclusive of certain fees) if you had an existing M&T loan that was disbursed prior to active duty. Please submit a written request, along with your active duty orders
• Extended benefit time frame. SCRA requires that a lender extend interest rate and fee benefits on obligations secured by real property for a period of 12 months beyond the date your military service ends.

Requests for SCRA interest rate benefits may be submitted to M&T in the following ways:

• Mail to: P.O. Box 900, Millsboro, DE 19966
• Fax to: 1-888-378-8444
• In-person delivery at a full-service branch location
• Email to: scraservicing@mtb.com

• A written request accompanied by your active duty orders. We will review your orders and accounts to determine your eligibility
• Provide enough information to ensure that we can identify your loan or safe deposit box
• Requests and documentation must be received by M&T within 180 days from the end date of your military service
• Only one request is needed for us to identify all accounts owned and serviced by M&T Bank
• A friend or family member may submit the request on your behalf

• Write us at: P.O. Box 900, Millsboro, DE 19966
• Call our dedicated M&T Bank SCRA Servicing Team at: 1-855-350-SCRA (7272) (Toll Free) or 302-934-4872 (International), Monday–Friday 8:30am–5:00pm ET
• Email us at: scraservicing@mtb.com
• For Non-SCRA related inquiries, you can contact our Telephone Banking team at 1-800-724-2440 or visit M&T Customer Service for more information.