THE POWER TO GET MORE OUT OF YOUR MONEY. THE POWER OF FIRST NIAGARA.

Banking services; checking account services; savings account services; money market deposit account services; certificate of deposit account services; cash management services; mutual funds and 529 Plans; health savings accounts; remote deposit capture services; debit card services; providing rewards for debit card use as a part of a customer loyalty program; home equity loan services and home equity line of credit services; mortgage lending services; mortgage lending services without the need for private mortgage insurance; student lending products and services; automobile and personal loans; administration of retirement and pension plans; Individual Retirement Accounts; providing electronic banking services to customers via the Internet; 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; services in providing financial grants to not-for-profit organizations; employee benefits consulting services including third party administration; administration of employee benefit plans; compensation consulting; 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