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| The Yield Hunter Let's Make some money and sleep well at night In our 6th Year |
| First Niagara Financial Group Fixed (8.625%) to Floating Non Cumulative Redeemable Perpetual Preferred Stock Security Ticker Symbol FNFG-B Market Traded On NYSE Dividend Payment Paid on February 15, May 15, August 15 and November 15, beginning on February 15, 2012 Initial (until 2/15/2017) Quarterly Payment Per Share .532 Securities may be redeemed as early as 2/15/2017 for a call price of $25/share plus accrued dividends Maturity Date NONE Company Investor Relations Page for First Niagara About First Niagara Financial Group First Niagara, through its wholly owned subsidiary, First Niagara Bank, N.A., is a multi-state community-oriented bank that currently has more than $31 billion in assets, $20 billion in deposits, 332 branches and 5,000 employees providing financial services to individuals, families and businesses across Upstate New York, Pennsylvania, Connecticut and Massachusetts. |
| Offering Prospectus |
| 2009/2010/2011/2012 Model Portfolios High Yield Portfolio--Live High Quality Portfolio-Live Blended Quality Portfolio-Live Canadian Income Portfolio-Live |