M&T Bank is an institution that offers a variety of financial solutions for personal, business and commercial needs. It has more than 750 branch locations throughout New York, Pennsylvania and Maryland, as well as the District of Columbia. The regional bank s selection of products includes loans, lines of credit and safe-deposit boxes, as well as checking, health savings, money market and individual retirement accounts. Its corporate trust department works with public and private corporations and municipal entities in planning an offering of debt securities. M&T Bank offers insurance and retirement planning, brokerage and Web trading services. It is a wholly owned subsidiary of M&T Bank Corporation, which is one of the largest, independent bank holding companies in the United States with over 1,800 ATMs and nearly 15,000 employees located in Virginia, West Virginia and Delaware. As a commercial institution, M&T Bank offers financial services to a consumer base that includes professional clients, government entities, and small- and medium-sized businesses. Its subsidiaries include M&T Insurance Agency, M&T Real Estate Trust, M&T Realty Capital Corporation, M&T Securities and MTB Investment Advisors.