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Second QUARTER CORPORATE SUMMARY Facts, Figures and Community Impact

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Second QUARTER CORPORATE SUMMARY Facts, Figures and Community Impact 2015 First Niagara Bank Waterworks II Branch Pittsburgh, PA Second QUARTER CORPORATE SUMMARY Facts, Figures and Community Impact BANK / BORROW / INVEST / PROTECT We had solid execution in the second quarter “ reflecting adherence to our prudent credit underwriting practices and progress in implementing our strategic investment plan, which remains on-time and on-budget. Our team is focused on providing a faster, easier, simpler and more secure banking experience, and our customers are responding well. I’m especially proud of our recent recognition by the Reputation Institute as the number four most-reputable bank based on customer feedback. In particular, we received high scores for innovation, citizenship and product quality. Customer-centricity is the heart of our strategy and culture. Every decision we make and every action we take are with our customers, and ultimately our shareholders, top-of-mind and we’re gratified to see those efforts recognized by the people we serve.” Gary M. Crosby, President and Chief Executive Officer Company Overview First Niagara Bank, N.A. is a multi-state community-oriented bank serving New York, Pennsylvania, Connecticut and Massachusetts. With approximately 390 branches and 5,400 employees, First Niagara provides financial services to individuals, families and businesses. Driven by proven, local talent, First Niagara has approximately $39 billion in assets and $28 billion in deposits. The bank has maintained industry leading loan growth, without compromising credit quality. Thanks to its people and its unique corporate culture, First Niagara is well-positioned for long-term success. Fast Facts • Founded in 1870, the bank has grown significantly in size and reach and currently serves over one million customers across its multi-state operations. • Listed on the NASDAQ Stock Market under the trading symbol: FNFG. • Geographic footprint extends across New York, Pennsylvania, Connecticut and Massachusetts. • Market capitalization of $3 billion. • A top 25 U.S. bank by assets. • More than $23 billion in loans. • First Niagara Risk Management among top 100 insurance agencies in U.S. Superior Credit Quality is a Key Differentiator • Our Proven Strengths = Your Advantage. - Local credit decisions. - Customized terms and services. - Experienced lenders who structure smart, sound financing programs. • Positioned for Continuing Success - Winning with Talent. - Executive leadership average of 30 years’ experience. - Local bankers with deep relationships and decades of experience in their respective regions and markets. Regional Market Centers Region Employees1 Branches1 Market Share2 Western New York 2,206 51 26.33% Central New York 634 65 11.78% Eastern New York 517 49 13.22% Tri-State 266 32 1.97% Western Pennsylvania 583 63 5.87% Eastern Pennsylvania 524 58 2.83% New England 634 71 6.23% Total 5,364 389 Credit Ratings Standard and Poor’s: BBB- (OS) Moody’s Investor Service: Ba1 (ON) Fitch Ratings: BBB- (ON) 1 Approximate full-time equivalent employee and branch data as of June 30, 2015 2 Most recent FDIC data as of June 30, 2014 Highlights Eastern New York Market Executive Kelli Arnold, and Karla Gadley, CRA Program Director Community Development, along with participants from Kee to Independent Growth, pose in front of one of the many new organic gardens made possible with funding from First Niagara. • GAAP earnings of $0.15 per diluted share. • Operating revenues of $353 million increased 2% QOQ. • Organic loan growth continues, with average loans increasing to $23 billion. • Commercial business loans increased 9% QOQ. • Average consumer loan growth increased 2% QOQ. • Winner of a national award in the 2014 Greenwich Excellence Awards for Small Business and Middle Market Banking. - First Niagara captured a national award for Treasury Management - Customer Service. • First Niagara was ranked as the fourth most highly regarded of major U.S. Banks.¹ • One of the largest providers of risk financing and risk reduction services in the U.S.2 • First Niagara Risk Management named a “Best Practices” agency, an honor given to only the top 1% of insurance agencies/brokers in the U.S.3 ¹American Banker/Reputation Institute Survey of Bank Reputations, 2015 ²Business Insurance, July 20, 2015, as ranked by 2014 brokerage revenues from U.S.-based clients ³Reagan Consulting for the Independent Insurance Agents and Brokers of America, September 2014 Products and Services Personal Banking With the convenience of products like free online banking, overdraft protection and no ATM transaction fees, First Niagara provides an extensive range of products and solutions designed to meet your unique needs. But what really sets us apart is our service. Taking the time to understand your financial needs, you can be sure we will work with you to make your goals a reality. Commercial Services Through a unique 360° approach, we see your business from every angle. Our proven strengths equal your advantage. Whether you’re looking to expand your business or support your day-to-day operations, we can help you realize your goal. Our experienced lenders will structure smart, sound financing programs, with customized terms and services. Best of all, you can expect local service and decision-making. Mortgage Whether you’re buying a home, refinancing or leveraging equity within your home, First Niagara offers a variety of mortgage products and services, designed to meet your unique needs. Our mortgage consultants will assist you in selecting the solution that’s best for you. Risk Management From personal insurance to complex coverage for your business, First Niagara Risk Management can tailor a program to meet your unique needs. When you choose First Niagara to help manage your risks, you are working with a recognized leader in the design and delivery of insurance programs and Risk Management solutions. Cash Management We understand how important it is to manage, track and maximize your business’ cash flow. More importantly, we understand how time-consuming and stressful this can be. We will perform a detailed cost-savings analysis of your business and share solutions to help you better manage your business’ finances. Small Business Small businesses are the engines that drive the communities and neighborhoods we serve. As a small business owner you can be sure that our small business bankers will work to understand your business from every angle, helping you create a smart, comprehensive plan to support and expand your business and reach your goals more quickly. Wealth Management First Niagara Private Client Services is dedicated to helping you make smart decisions about your money. Using a comprehensive, multi-dimensional approach that incorporates wealth planning, investment management, credit and banking, fiduciary services and risk management to develop highly individualized and comprehensive plans that optimize today’s opportunities, we can help you prepare for tomorrow’s challenges and achieve future goals. Capital Markets Services Strategic thinking is our strong suit. No matter how varied or complex your capital needs are, you can count on our experienced team to deliver informed, custom-tailored solutions. Our solid connections give you access to a broad range of investors. Benefit Consulting A company’s most valuable assets are its employees. No matter the size of business, our goal is to keep your employees – and your business – healthy. First Niagara offers a comprehensive suite of products helping you eliminate the burden of managing and administrating health and welfare plans and pension benefits. Plus, our personal advisors will customize services specifically for your business. Government Leading the way to more comprehensive financial services for governments than any other bank, First Niagara serves local governments, municipal agencies, school districts, public authorities, and other special units of municipal government by providing government banking and depository services and a full range of financial services as well. Specialized Lending and Financing In addition to the solutions mentioned above, First Niagara offers a number of additional lending and financing options for clients with a specialized need, including: automotive lending, healthcare and leasing. Investment Services Through First Niagara Investment Services (“FNIS”), LPL Financial LLC (or “LPL”, a registered broker/dealer and registered investment advisor, Member FINRA/SIPC) offers investment management, retirement planning, education funding, and wealth protection products and services to retail and commercial clients within First Niagara branches. Using a comprehensive planning process, LPL’s licensed registered representatives specialize in building personalized growth and income strategies by offering an array of financial resources, including: professionally managed advisory accounts, equities and fixed income securities, mutual funds, and fixed and variable annuities, as well as life insurance and wealth transfer vehicles. Whether it’s borrowing, saving, or just making it easier to manage your money, First Niagara has the banking products, services and expertise to help you make your dreams a reality. Our product portfolio may be our competitive advantage, but what really sets us apart is our team. For more information on First Niagara’s products and services, visit www.firstniagara.com. Our Commitment to Community First Niagara is a true community bank. Our business and our teammates are woven into the fabric of the communities we serve. That’s
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