First Niagara Bank, in partnership with First USA, the nation's leading issuer of VISA® or Master Card® credit cards, offers one of the most competitive credit card options available in the market.

• No annual fee on either our classic or platinum cards
• Flexible credit lines from $1,000 to $25,000 to meet your purchasing power needs
• Easy to use balance transfer option to consolidate higher rate card balances
• Attractive fixed and variable rate options
• Choice of VISA® for accessing credit line

Call 1-800-339-8216 or visit www.cardoffer.com to apply today.

Please Note:
The Bank will consider consumer loan requests from all applicants with a United States citizenship who either reside or work in the Bank's designated lending area. This area consists of Albany, Broome, Cattaraugus, Cayuga, Chautauqua, Chemung, Chenango, Columbia, Cortland, Delaware, Dutchess, Erie, Essex, Fulton, Genesee, Greene, Hamilton, Herkimer, Lewis, Livingston, Madison, Monroe, Montgomery, Niagara, Oneida, Onondaga, Ontario, Orange, Orleans, Ostego, Oswego, Putnam, Rensselaer, Saratoga, Schenectady, Schoharie, Schuyler, Seneca, Steuben, Tioga, Tompkins, Ulster, Warren, Washington, Wayne, Wyoming and Yates counties in New York State.