G. Gary Berner

First Niagara Financial Group, Inc. operates through its wholly owned subsidiary, First Niagara Bank, N.A., provides a wide range of retail and commercial banking as well as other financial services to individuals, families and businesses across Upstate New York, Pennsylvania, Connecticut and Massachusetts. It operates through two segments: Banking and Financial Services. The Banking segment includes all of its retail and commercial banking operations. The financial services segment offers a wide range of insurance products and consulting services to help both its retail and commercial customers achieve their financial goals. The company was founded in April 1998 and is headquartered in Buffalo, NY.

First Niagara Bank NA provides financial and banking services to individuals, families and businesses throughout New York, Pennsylvania, Connecticut, and Massachusetts. It offers residential and commercial real estate loans, commercial business loans, consumer loans, wealth management products, as well as retail and commercial deposit products. The company was founded in 1870 and is headquartered in Buffalo, NY.

Based in Amherst, New York, First Niagara Investment Advisors, Inc. (FN) specializes in equity, fixed-income and balanced portfolio accounts for individuals, pension plans, corporations and charitable institutions. The firm is a wholly owned subsidiary of First Niagara Financial Group, Inc. (NASDAQ: FNFG