*

+ Securities are offered by and Financial Consultants are registered with UVEST Financial Services, member NASD/SIPC. UVEST is independent of any financial institution. Members of the First Niagara Financial Group, Inc. do not offer tax advice. Please consult a tax advisor.
www.nasd.com www.sipc.com

† Insurance products are available through three independent entities: 1) SBLI USA Mutual Life Insurance Company, Inc., 460 West 34th St., New York, NY 10001; 2) First Niagara Risk Management, Inc. a wholly-owned subsidiary of First Niagara Bank, and 3) UVEST Insurance Agency of MA, Inc.

SBLI USA provides Life insurance. First Niagara Risk Management provides Life, Disability, Auto, and Homeowners insurance. UVEST Insurance Agency of MA provides Life, Disability and Long-Term Care insurance.

Insurance products are not deposits, are not insured by the FDIC or any Federal government agency and are not obligations of or guaranteed by First Niagara Bank or any other member of the First Niagara Financial Group. The obtaining of insurance through any member of the First Niagara Financial Group will not have any bearing on any existing or future transaction or relationship with First Niagara Bank or any other member of the First Niagara Financial Group. Members of the First Niagara Financial Group do not offer tax advice. Please consult a tax advisor.