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We didn’t invent money. We just help you do more with it.

Thriving in today’s economic environment takes vision, flexibility and a financial partner who will be with you for the long haul. That’s what you get with First Niagara. We’re your Belief Backers — the people who truly get to know you so that we can put our powerful range of resources to work for you every day.

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First Niagara embraces a customer-first service philosophy, working with customers one at a time, listening to their needs and providing them with the right solutions to help them succeed. Whether you’re a family of four, a 40-person business, or an organization with 4,000 employees, we can help you achieve your financial goals. We’ve been a financial services provider for nearly 140 years. Today, we offer a wide array of personal, commercial and municipal financial products and services, solutions that empower you to get more out of your money.

Personal Financial Products and Services First Niagara can provide you with the products and services to help you meet all your banking needs, whether it’s borrowing and saving money, or just making it easier to manage your money. We also have the tools and professional advice to help you achieve your long-term goals, from education funding and retirement planning, to insurance and wealth transfer. Commercial Products and Services First Niagara is well-positioned to meet your financial services needs with a full range of commercial products and services, including business banking, cash management and merchant services, commercial real estate, risk management, insurance and benefits consulting. First Niagara’s People We think our product portfolio stacks up nicely compared to the competition.

But what really makes us different are the people who’ve chosen to work here. If you’re looking for a financial partner, First Niagara is a good place to do business. If you’re looking to build your career, it’s a great place to do that, too.

Our core values — the values that drive everything we do — are: Passion We’re passionate about our work and about helping you achieve your financial goals. It’s simple: Your success is our success. Creativity The right solution isn’t always the most obvious one. We work hard to understand your challenges and find solutions that aren’t necessarily off-the-shelf. Expertise Our employees know their stuff.

Every day they leverage their in-depth knowledge of products and services to find the optimal solution for our customers. Community Commitment Strong communities are places where all people have opportunities to learn, grow and achieve their dreams. First Niagara’s philanthropic mission is to support and empower not-for-profit organizations with financial backing, employee volunteers and board representation. We believe it’s our responsibility to give our resources, expertise and helping hands to the communities that have made us one of Upstate New York’s leading financial services companies. In 2008, we contributed $3.4 million to 335 charitable and community organizations in the markets we serve. (UG)FNFG J09-01070.indd 2 9/22/09 5:04 PM. Solid performance: the foundation for growth First Niagara Financial Group, Inc.