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        <BusinessNameLine1Txt>M&amp;T Charitable Foundation</BusinessNameLine1Txt>
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      <InCareOfNm>% MICHAL KEEGAN</InCareOfNm>
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        <StateAbbreviationCd>NY</StateAbbreviationCd>
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      <PersonNm>Michael Keegan</PersonNm>
      <PersonTitleTxt>President</PersonTitleTxt>
      <PhoneNum>5184646144</PhoneNum>
      <SignatureDt>2025-05-12</SignatureDt>
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        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>CAPITAL GAIN</PropertyDesc>
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          <StateAbbreviationCd>NY</StateAbbreviationCd>
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        <UndistrIncmSect4942a2NotAppInd>false</UndistrIncmSect4942a2NotAppInd>
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        <JeopardyInvestmentsInd>false</JeopardyInvestmentsInd>
        <UncorrectedPYJeopardyInvstInd>false</UncorrectedPYJeopardyInvstInd>
        <InfluenceLegislationInd>false</InfluenceLegislationInd>
        <InfluenceElectionInd>false</InfluenceElectionInd>
        <GrantsToIndividualsInd>false</GrantsToIndividualsInd>
        <GrantsToOrganizationsInd>false</GrantsToOrganizationsInd>
        <NoncharitablePurposeInd>false</NoncharitablePurposeInd>
        <RcvFndsToPayPrsnlBnftCntrctInd>false</RcvFndsToPayPrsnlBnftCntrctInd>
        <PayPremiumsPrsnlBnftCntrctInd>false</PayPremiumsPrsnlBnftCntrctInd>
        <ProhibitedTaxShelterTransInd>false</ProhibitedTaxShelterTransInd>
        <ProceedsOrNetIncomeInd>false</ProceedsOrNetIncomeInd>
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      <OfficerDirTrstKeyEmplInfoGrp>
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          <USAddress>
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            <CityNm>Buffalo</CityNm>
            <StateAbbreviationCd>NY</StateAbbreviationCd>
            <ZIPCd>14240</ZIPCd>
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          <TitleTxt>0</TitleTxt>
          <AverageHrsPerWkDevotedToPosRt>0</AverageHrsPerWkDevotedToPosRt>
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          <EmployeeBenefitProgramAmt>0</EmployeeBenefitProgramAmt>
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      <SummaryOfDirectChrtblActyGrp>
        <Description1Txt>COLLEGE TRACK</Description1Txt>
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        <Description2Txt>CENTER FOR REGIONAL STRATEGIES</Description2Txt>
        <Expenses2Amt>700000</Expenses2Amt>
        <Description3Txt>LIVING CITIES, INC. THE NATIONAL COMMUNITY DEVELOPMENT INITI</Description3Txt>
        <Expenses3Amt>500000</Expenses3Amt>
        <Description4Txt>UNITED WAY OF COASTAL AND WESTERN CT</Description4Txt>
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      <SumOfProgramRelatedInvstGrp />
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        <AverageMonthlyFMVOfSecAmt>1184378</AverageMonthlyFMVOfSecAmt>
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        <FMVAllOtherNoncharitableAstAmt>0</FMVAllOtherNoncharitableAstAmt>
        <TotalFMVOfUnusedAssetsAmt>74301526</TotalFMVOfUnusedAssetsAmt>
        <AcquisitionIndebtednessAmt>0</AcquisitionIndebtednessAmt>
        <AdjustedTotalFMVOfUnusedAstAmt>74301526</AdjustedTotalFMVOfUnusedAstAmt>
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      <PrivateOperatingFoundationsGrp></PrivateOperatingFoundationsGrp>
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          <RecipientPersonNm>Joe Cassidy</RecipientPersonNm>
          <RecipientUSAddress>
            <AddressLine1Txt>575 MAIN STREET 12TH FLOOR</AddressLine1Txt>
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            <StateAbbreviationCd>NY</StateAbbreviationCd>
            <ZIPCd>14203</ZIPCd>
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          <FormAndInfoAndMaterialsTxt>https://www.mtb.com/about-us/getting-involved/giving-back/charitable-f oundation</FormAndInfoAndMaterialsTxt>
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          <RestrictionsOnAwardsTxt>SEE WEBSITE LISTED ABOVE FOR RESTRICTIONS</RestrictionsOnAwardsTxt>
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          <RecipientBusinessName>
            <BusinessNameLine1Txt>See attached statement</BusinessNameLine1Txt>
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            <AddressLine1Txt>ONE MT PLAZA 6TH FLOOR</AddressLine1Txt>
            <CityNm>Buffalo</CityNm>
            <StateAbbreviationCd>NY</StateAbbreviationCd>
            <ZIPCd>14240</ZIPCd>
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          <GrantOrContributionPurposeTxt>The M&amp;T Charitable Foundation strives to strengthen communities by providing support for a diverse range of civic, cultural, health and human service organizations through grants.</GrantOrContributionPurposeTxt>
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          <CityNm>Buffalo</CityNm>
          <StateAbbreviationCd>NY</StateAbbreviationCd>
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        <EOYFMVAmt>9955018</EOYFMVAmt>
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        <EOYFMVAmt>1953918</EOYFMVAmt>
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        <EOYFMVAmt>68970</EOYFMVAmt>
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        <EOYFMVAmt>103029374</EOYFMVAmt>
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      <InvestmentsCorporateStockGrp>
        <StockNm>CUSTODY</StockNm>
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        <StockNm>PUCF E MASS</StockNm>
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        <EOYFMVAmt>17211022</EOYFMVAmt>
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    <OtherIncomeSchedule2 documentId="OtherIncomeSch2">
      <OtherIncomeDetail>
        <Desc>IRS REFUND</Desc>
      </OtherIncomeDetail>
    </OtherIncomeSchedule2>
    <OtherIncreasesSchedule documentId="OtherIncreasesSch">
      <OtherIncreasesDetail>
        <Desc>UNREALIZED GAIN/LOSS</Desc>
        <Amt>8933549</Amt>
      </OtherIncreasesDetail>
    </OtherIncreasesSchedule>
    <OtherProfessionalFeesSchedule documentId="OthProfFeesSch">
      <OtherProfessionalFeesDetail>
        <CategoryTxt>PROFESSIONAL SERVICES</CategoryTxt>
        <Amt>587073</Amt>
      </OtherProfessionalFeesDetail>
    </OtherProfessionalFeesSchedule>
    <TaxesSchedule documentId="TaxesSchedule">
      <TaxesDetail>
        <CategoryTxt>CURRENT FED TAX EXPENSE</CategoryTxt>
        <Amt>81978</Amt>
      </TaxesDetail>
    </TaxesSchedule>
  </ReturnData>
</Return>