FIRST NIAGARA

leasing of office equipment

banking services; insurance services, namely, insurance brokerage, insurance agencies, insurance administration and insurance consultation, in the fields of life, property and casualty, accident, health and other insurance; credit insurance services; financial services, namely, financial and investment consulting, management and advisory services; investment and securities brokerage services; providing information on investment and securities performance; annuities services; charitable fundraising services; administration of employee benefit plans; consultation services in the field of executive compensation; consulting for retirement and employee welfare plans; administrative services for defined contribution and benefit plans; actuarial services

leasing of construction equipment and building machinery

leasing of motor vehicles