By accessing this website, anyone who accesses this website ("you" and "your") agrees to be bound by these terms and conditions. First Niagara Financial Group, Inc. and its subsidiaries (individually "we," "us," "our" and "ours") may change these terms and conditions at any time by incorporating the change into these terms and conditions as they appear on this website. If you do not agree to these terms and conditions, you must not access this website.

Copyright in the pages of this website, the screens displaying the pages, the arrangement of the pages and screens and all information, material and other content available on this website is owned by or licensed to us unless otherwise indicated. You may display, download, print and otherwise use the information, material and other content for your own personal, noncommercial purposes. The information, material and other content may not be copied, displayed, distributed, downloaded, licensed, modified, printed, published, reposted, reproduced, reused, sold, transmitted, used to create a derivative work or otherwise used for any public or commercial purpose without the express written permission of First Niagara Financial Group, Inc.

"First Niagara", "First Niagara Financial Group" and the waterfall logo are service marks of First Niagara Financial Group, Inc. Other trademarks, service marks and logos displayed on this website are property of ours and other parties.

All information, material and other content available on this website (including, but not limited to, information concerning products and services described on this website and the terms and conditions applicable to the products and services) are subject to change at any time without any notice.

Not all products and services described on this website are necessarily available in all geographical areas, and the terms and conditions of the products and services may differ among geographical areas. Your eligibility for any particular product or service described on this website is subject to final determination by us.

Any link on this website to any other website (a "linked website") is provided for your convenience only and is used at your own risk. We have no control over and are not responsible for the accuracy, completeness, adequacy, timeliness or availability or any other aspect of any information, material or other content available on or through any linked website. We do not recommend, endorse or guarantee and are not responsible for any product or service described on any linked website. Any limited website may be less secure than this website. Our privacy and security policies do not apply to any linked website, and you must review the linked website's privacy and security policies to understand how your use of the linked website may affect you, particularly with respect to your providing personal and confidential information through the linked website.

All information sent to us over the internet, including information sent to us through this website, will be our property. Except as limited by our privacy policy, applicable law and any agreement between us and the person sending us the information, we will be free to use the information for any purpose and will not be subject to any obligation of confidentiality concerning the information.

Electronic mail sent over the internet other than through this website may be intercepted, lost or altered and must not be used to send personal or confidential information (such as an account number) to us.

This website is not intended for use by minors.

THIS WEBSITE, THE INFORMATION, MATERIALS AND OTHER CONTENT AVAILABLE ON THIS WEBSITE (INCLUDING, BUT NOT LIMITED TO, LINKS TO OTHER WEBSITES) AND THE PRODUCTS AND SERVICES DESCRIBED ON THIS WEBSITE ARE PROVIDED BY US "AS IS," "AS AVAILABLE" AND, TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, WITHOUT ANY REPRESENTATION OR WARRANTY OF ANY KIND. WITHOUT LIMITING THE PRECEDING SENTENCE, WE DO NOT MAKE, EXCEPT TO THE MINIMUM EXTENT REQUIRED BY APPLICABLE LAW, AND WE EXPRESSLY DISCLAIM, TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, ANY EXPRESS, IMPLIED, STATUTORY OR OTHER WARRANTY OF ANY KIND (INCLUDING, BUT NOT LIMITED TO, ANY WARRANTY WITH RESPECT TO TITLE, NON-INFRINGEMENT OF ANY RIGHT OF ANY THIRD PARTY, MERCHANTABILITY, QUALITY, FITNESS FOR A PARTICULAR PURPOSE OR ERROR-FREE USE) WITH RESPECT TO THIS WEBSITE, ANY INFORMATION, MATERIAL OR OTHER CONTENT AVAILABLE ON THIS WEBSITE (INCLUDING, BUT NOT LIMITED TO, ANY LINK TO ANY OTHER WEBSITE) OR ANY PRODUCT OR SERVICE DESCRIBED ON THIS WEBSITE.

EXCEPT TO THE MINIMUM EXTENT REQUIRED BY APPLICABLE LAW, IN NO EVENT WILL WE BE LIABLE TO YOU OR ANYONE ELSE FOR ANY LIABILITY, LOSS OR DAMAGE (INCLUDING, BUT NOT LIMITED TO, DIRECT, INDIRECT, CONSEQUENTIAL, INCIDENTAL, SPECIAL, PUNITIVE AND EXEMPLARY DAMAGES), WHETHER BASED IN CONTRACT, TORT (INCLUDING, BUT NOT LIMITED TO, NEGLIGENCE) OR STRICT LIABILITY OR OTHERWISE, ARISING OUT OF OR IN ANY WAY CONNECTED WITH (A) YOUR ACCESS TO OR USE OF, YOUR INABILITY TO ACCESS OR USE OR ANY DIFFICULTY IN YOUR ACCESSING OR USING THIS WEBSITE OR ANY LINKED WEBSITE, (B) YOUR RELIANCE ON, USE OF OR INABILITY TO USE ANY INFORMATION, MATERIAL OR OTHER CONTENT AVAILABLE ON OR THROUGH THIS WEBSITE OR ANY LINKED WEBSITE (INCLUDING, BUT NOT LIMITED TO, ANY LINK TO ANY OTHER WEBSITE) OR ANY PRODUCT OR SERVICE DESCRIBED ON THIS WEBSITE OR ANY LINKED WEBSITE, (C) THE INACCURACY, INCOMPLETENESS, INADEQUACY, UNTIMELINESS OR UNAVAILABILITY OR ANY OTHER ASPECT OF ANY INFORMATION, MATERIAL OR OTHER CONTENT AVAILABLE ON OR THROUGH THIS WEBSITE OR ANY LINKED WEBSITE, (D) ANY COMPUTER VIRUS OR OTHER CONTAMINATING OR DESTRUCTIVE PROPERTY TRANSMITTED THROUGH THIS WEBSITE OR ANY LINKED WEBSITE, (E) WHETHER BECAUSE OF ANY FAILURE, DELAY, INTERRUPTION OR DEFECT WITH RESPECT TO ANY EQUIPMENT OR SYSTEM OR OTHERWISE, ANY FAILURE, DELAY, INTERRUPTION, DEFECT, ERROR OR OMISSION IN THE OPERATION OF THIS WEBSITE OR ANY LINKED WEBSITE OR IN THE TRANSMISSION OF ANY INFORMATION, MATERIAL OR OTHER CONTENT AVAILABLE ON OR THROUGH THIS WEBSITE OR ANY LINKED WEBSITE OR ANY INFORMATION SENT THROUGH THIS WEBSITE OR ANY LINKED WEBSITE OR (F) ANY INCOMPATIBILITY OF THIS WEBSITE OR ANY LINKED WEBSITE WITH ANY BROWSER OR OTHER SITE ACCESSING PROGRAM, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH LIABILITY, LOSS OR DAMAGE. IN NO EVENT WILL WE BE LIABLE TO YOU OR ANYONE ELSE FOR ANY EVENT OR CONDITION BEYOND OUR CONTROL.

If any provision of these terms and conditions is ineffective under applicable law, it will be treated as changed to meet the minimum requirements of that law or, if it is not treated as changed to do so, it will be ineffective only to the minimum extent that it does not meet those minimum requirements, and the rest of the provision and the other provisions of these terms and conditions will remain effective.

This website is controlled by us from our offices in the State of New York. Your access to and use of this website is governed by the law of the State of New York and the federal law of the United States of America without regard to the law of any other jurisdiction.