Mark J. Czarnecki is President of M&T Bank Corporation and its primary subsidiary, M&T Bank. He has overall responsibility for Retail Banking, Business Banking, Consumer Lending, Marketing, the Investment and Mortgage businesses, and all staff functions including technology, operations, human resources, and finance. Czarnecki also serves as a member of the Boards of Directors of M&T Bank Corporation and M&T Bank, and is a member of M&T’s Management Group. Czarnecki began his career with M&T Bank in 1977, and has held numerous managerial positions in Retail Banking, Business Banking and Commercial Lending. He joined the M&T Investment Group in 1994, and in 1995, was named President of M&T Securities, the bank’s broker/dealer. In 1997, Czarnecki was appointed Executive Vice President overseeing the entire Investment Group. His responsibilities were expanded in 2003 to include oversight of M&T’s Retail Business, and he was named President in 2007. Czarnecki holds a Bachelor of Arts from the State University of New York at Buffalo, and earned a Master of Business Administration (MBA) from Canisius College in Buffalo, New York. He serves as Chairman of the Board of Trustees of M&T Bank’s partner school, Westminster Community Charter School. In addition, Czarnecki is the Vice Chairman and Trustee of the University at Buffalo’s Council, a Director of the Buffalo Niagara Partnership, and Chairman of the New York Bankers Association.