Business Checking Accounts*

(1)

Our goal is to convert your current business checking account to a new First Niagara account with comparable features, benefits and options. If you would like to switch to a different account, simply contact us. With all First Niagara checking accounts, you’ll enjoy:

• Free First Niagara Debit MasterCard BusinessCard • Free use of any First Niagara ATM

• Free Online Banking • Free Online Bill Pay

• Free eStatement with check images • Free 24/7 Automated Telephone Banking

• Overdraft protection options (eligibility restrictions and fees apply)

Please refer to the inside of the accompanying letter for your new account name.

Business Checking Accounts*

Name of First Niagara Account

Balance and Monthly Service Charge Information

Transactions and Related Charges

Additional Information

PartnershipPlus Checking

For companies with higher transaction volume and a higher average monthly balance

(After the automatic 90-day monthly service charge waiver)

•No monthly service charge with a $5,000 average daily balance

•Otherwise, a $25 monthly service charge applies

•500 free items per statement cycle; $0.50 for each additional item

•Up to $25,000 in free cash deposits each statement cycle; then $0.20 per $100

•Up to $25,000 in free currency and coin orders each statement cycle; then $0.20 per $100

•$4 for check images printed on paper statement •Optional Cash Management Services available: – Remote Deposit Capture

– Online Banking, Wire and ACH modules – EDI Reporting Partnership Checking For companies with moderate transaction volume and a lower average monthly balance

•No monthly service charge with a $2,000 average daily balance

•$4 for check images printed on paper statement

YOUR SATISFACTION MATTERS

(2)

Name of First Niagara Account

Balance and Monthly Service Charge Information

Transactions and Related Charges Additional Information Free Business Checking A simple, low-cost, high-value account for businesses with low monthly transaction volume

•No monthly service charge

•No minimum balance

Business Analyzed Checking

For businesses with complex transactions or specialized cash management needs

•Earnings credit may offset charges

•Charges will be debited from the account on the 15th of the following month

•See the Business Account

Disclosure Booklet for

detailed information

•Full array of Cash Management Services available Business Non-Profit Checking Earn interest on your cash

•$15 monthly service charge; can be offset by earnings credit

•$0.17 per check paid; $0.35 per deposit (credits); $0.17 per check deposited; $0.20 per ACH transaction received

•$0.15 per $100 in cash and coin deposits

•$0.10 per $100 in currency and coin orders

•The above fees can be offset by earnings credit

•Interest paid on daily balances of $500 or more

•Interest compounded daily and credited monthly IOLA/IOLTA Interest on Lawyers Account/Interest on Lawyers Trust Account •No monthly service charge •No minimum balance

•Not subject to per-item charges

(3)

*For detailed information about the terms and conditions of these accounts as well as other fees that may apply, please refer to the enclosed Business Account Disclosure Booklet and Schedule of Business Account Fees and Transaction Limitations.

†Subject to transaction limitations. See the enclosed Business Account Disclosure Booklet for more information.

Making the most of your money can be vital to your business’s long-term success. Our money market and savings accounts let you:

• Earn a competitive interest rate on your savings while maintaining easy access • Add to and build your savings fast by making regular automatic deposits • Track your account balance and watch it grow through Online Banking

• Get a free Debit MasterCard BusinessCard when linked to a First Niagara checking account

Please refer to the inside of the accompanying letter for your new account name.

Business Money Market and Savings Accounts*

Name of First Niagara Account Balance and Service Charge Information

Business Money Market Savings

Higher yields plus easy access to your funds

Premium Business Money Market

Our highest business money market rates

•No monthly service charge with an average daily balance of $500

•Otherwise, an $8 monthly service charge applies

•30 free items per statement cycle†_{; $0.25 for each additional}

item

•No monthly service charge with an average daily balance of $10,000

•30 free items per statement cycle†_{; $0.25 for each additional}

item

•Interest compounded daily and credited monthly

•Higher interest may be paid at balance levels starting at $1,000, $10,000, $25,000, and $50,000

•Interest paid on daily balances of $0.01 or more

•Higher interest may be paid at balance levels starting at $25,000, $50,000, and $150,000

Statement Savings For Escrow Accounts

•No monthly service charge with an average daily balance of $200

•Interest compounded daily and credited monthly

(4)

Certiﬁcates of Deposit (CDs)

Prior to Maturity

• There will be no change in your existing CD rate, term or account agreement until maturity.

• Prior to your maturity date, you will receive a CD renewal notice in the mail.

At Maturity

• Accounts with terms of 32 days or more will have a 10 calendar-day grace period after the maturity date during which you can withdraw funds, add funds or change the term without penalty. Accounts with terms of 31 days or less will have a one calendar-day grace period after the maturity date during which you can withdraw funds, add funds or change the term without penalty.

• If you do not notify us of any changes once you receive your renewal notice, we will automatically renew your CD on your maturity date for the same term (or the most similar term available) at the interest rate available at that time.

• Upon renewal, First Niagara procedures for calculating interest and penalties will apply.

(5)

Municipal Checking

Name of First Niagara Account

•Analyzed account

•Earnings credit on compensating balances may offset charges

•Monthly service charges are assessed after month-end Balance and Service Charge Information

•This is a non-interest-bearing account

Municipal NOW •Analyzed account

•Earnings credit on compensating balances may offset charges

•Monthly service charges are assessed after month-end

•Minimum balance to earn interest is $1,000; interest rates are tiered

•Interest paid at the end of the month Interest

Municipal Accounts

Municipal Money Market •No minimum balance and no

monthly service charges

•Minimum balance to earn interest is $5,000; interest rates are tiered

•Interest paid at the end of the month

Municipal Savings •No minimum balance and no

service charges

•Minimum balance to earn interest is $250; interest rates are tiered

•Interest paid at the end of the month

Municipal Certificates of Deposit (CDs)

•No minimum balance and no service charges

•Interest paid at maturity

•No automatic renewals On May 18, your municipal accounts will convert to the accounts that are the best match to the features and benefits of your current accounts. Please refer to the inside of the accompanying letter for your new account name.