M&T Bank is a provider of banking products and services related to commercial banking, retail banking, business, and professional banking, investment banking, and mortgage banking. M&T's business banking and commercial banking segments provide commercial lending and leasing, letters of credit, deposit products, and cash management services to its customers. The bank's retail banking segment offers demand, savings, and time accounts, consumer installment and automobile loans, home equity loans, lines of credit, credit cards, and investment products including mutual funds and annuities and other services. The bank also provides trust and wealth management services, fiduciary and custodial services, investment management services, insurance agency services, as well as reinsures credit life. Founded in 1969, M&T Bank is headquartered in Buffalo, New York.