COMPANY PROFILE

Based in the Buffalo, New York suburb of Lockport, First Niagara Financial Group, Inc. is the $2.9 billion multi-bank holding company of three community banks, including Cortland Savings Bank, Cayuga Bank and our principal subsidiary, First Niagara Bank. Our Company has a presence in the Western and Central Regions of New York State with 37 banking centers, 67 ATMs, two loan production offices and a telephone banking center.

A diverse financial services company, First Niagara Financial Group offers equipment lease financing, investment advisory services, third-party administration services and insurance services through independently-operated subsidiaries: First Niagara Leasing, Inc.; Niagara Investment Advisors, Inc.; NOVA Healthcare Administrators, Inc.; Allied Claim Services, Inc. and Warren-Hoffman & Associates, Inc., one of Upstate New York’s largest insurance agencies. We employ more than 1,000 valued team members.

This report may contain projections or other forward-looking statements regarding future events or the future financial performance of the Company that involve risks and uncertainties. Readers are cautioned that these forward-looking statements are only predictions and may differ materially from actual future events or results. These risks are detailed in the Company’s periodic reports filed with the Securities and Exchange Commission.