Charles O'Shea

Moody's Investors Service, Inc. is a credit rating and investment research firm headquartered in New York City. They are a subsidiary of Moody's Corp. (NYSE: MCO). The firm performs international financial research and analysis on commercial and government entities and provides a variety of analytic tools for assessing credit risk. Their clients include creditors, investment banks and commercial banks.

M&T Bank Corp. (NYSE: MTB) is a bank holding company headquartered in Buffalo, New York. Through its wholly-owned subsidiaries, M&T Bank and Wilmington Trust NA, the company offers a wide range of retail and commercial banking, trust, wealth management and investment services to their customers. They serve a diverse base of consumers, businesses, professional clients, governmental entities and financial institutions located in its markets. M&T Bank Corp. company operates through following segments: Business Banking, Commercial Banking, Commercial Real Estate, Discretionary Portfolio, Residential Mortgage Banking and Retail Banking. M&T Bank Corp. Discretionary Portfolio segment manages discretionary accounts for individuals and not-for-profit organizations and also manages a family of mutual funds. The segment includes investment and trading securities, residential mortgage loans and other assets, short-term and long-term borrowed funds, brokered certificates of deposit and interest rate swap agreements related thereto, and Cayman Islands branch deposits. It also provides foreign exchange services to customers.