Combining the benefits of a checking account with the convenience of a credit card, the First Niagara Debit MasterCard® helps you make the most of your banking relationship.

Here's how:

• Easy to Use. Access cash using an ATM, swipe the card for signature purchases, or use your PIN. Use it for online purchases too!
• Track Your Spending. All your debit transactions are listed in your monthly checking statement, or view them with First Niagara's online banking.
• No Annual Fee. It's free*.
• Worldwide Acceptance. Use the card at millions of locations around the globe—wherever the MasterCard Acceptance Mark is displayed.
• Secure. No need to carry large amounts of cash. And cardholders have zero liability for any unauthorized purchases.**

Earn Cash Rewards
For new debit card users, you can receive up to $40 for using your card. That's because every time you use your debit card in the first 120 days after receiving it, you get one swipe closer to being rewarded.† Just use your card the number of times listed below, and your cash reward will be deposited into your checking account!

The FREE MasterCard Savings™ program.
Live life for less with everyday savings.

The MasterCard Savings program gives you access to special offers and discounts of 5% to 20% and/or free shipping and other benefits on hundreds of offers from more than 25,000 merchants such as Sears, Best Buy, and Home Depot.†† You'll find both in-store coupons and promotional codes for online purchases, and the opportunity for additional savings via statement rebates.

Simply sign up online at www.savings.mastercard.com - it's quick and easy! You can even designate your favorite merchants and product categories, so offers are customized to your selections. New offers are updated weekly, so be sure to visit the site often and watch your email for special offers.

For additional information or to request a debit card, call us toll free at 1-800-421-0004 or visit your local branch.

* Unlimited free transactions at First Niagara ATMs; $1.00 per transaction at non-First Niagara ATMs, $.35 per transaction for PIN Point-Of-Sale transactions. Both fees waived for Preferred and Prestige checking account holders. Also, you may be charged a terminal fee by another bank when using your First Niagara Debit MasterCard at their ATM for withdrawals

** Certain terms and conditions apply. See www.mastercard.com/zeroliability

† Maximum cash reward per customer is $40. Promotion is not transferable or valid for ATM transactions or transactions made after the cutoff date. Offer valid for purchases at merchants that require your signature, PIN or authorization by phone or internet. Reward will be posted to your checking account within 15 days after the cutoff date. Consult your tax advisor regarding the tax treatment of your cash reward. Employees of First Niagara are not eligible.

†† MasterCard Savings™ program terms and conditions: Registration is required. Certain restrictions apply. Participating merchants and offers are subject to change. Purchases do not qualify if made through a PIN-based transaction, nonreloadable prepaid card or outside the United States. Your MasterCard consumer debit or prepaid card must be issued by a U.S. or Puerto Rico financial institution. For further terms and conditions, see www.savings.mastercard.com. MasterCard is a registered trademark of MasterCard International Incorporated.