Michael Harrington

First Niagara Financial Group, Inc. operates through its wholly owned subsidiary, First Niagara Bank, N.A., provides a wide range of retail and commercial banking as well as other financial services to individuals, families and businesses across Upstate New York, Pennsylvania, Connecticut and Massachusetts. It operates through two segments: Banking and Financial Services. The Banking segment includes all of its retail and commercial banking operations. The financial services segment offers a wide range of insurance products and consulting services to help both its retail and commercial customers achieve their financial goals. The company was founded in April 1998 and is headquartered in Buffalo, NY.

First Niagara Bank NA provides financial and banking services to individuals, families and businesses throughout New York, Pennsylvania, Connecticut, and Massachusetts. It offers residential and commercial real estate loans, commercial business loans, consumer loans, wealth management products, as well as retail and commercial deposit products. The company was founded in 1870 and is headquartered in Buffalo, NY.

DeltaPoint Capital Management LLC is a private equity firm founded in 1996 by David H. Waterman and Thomas W. Cimino. The firm is headquartered in Rochester, New York.

Commerce Bank is a subsidiary of Commerce Bancshares, Inc. (NASDAQ: CBSH), a multi-bank holding company with operations in Missouri, Kansas, Illinois, Oklahoma and Colorado. Commerce Bank provides investment management services to pension funds, endowments, foundations and individuals. They also serve as the investment advisor to the Commerce family of mutual funds.

Susquehanna Bancshares, Inc. is a financial holding company that provides a wide range of retail and commercial banking and financial services through its subsidiaries in the mid-Atlantic region. The company also operates a trust and investment company, an asset management company, a property and casualty insurance brokerage company and a vehicle leasing company. It offers personal, business and corporate banking. The company's services include checking, savings and club accounts, check cards, debit cards, money market accounts, certificates of deposit, individual retirement accounts, home equity lines of credit, residential mortgage loans, home improvement loans, automobile loans, personal loans and internet banking services. It also provides a wide range of commercial banking services, including business checking accounts, cash management services, money market accounts, land acquisition and development loans, commercial loans, floor plan, equipment and working capital lines of credit, small business loans, and internet banking services. Susquehanna Bancshares was founded in 1982 and is headquartered in Lititz, PA.

Susquehanna Bank is a state chartered commercial bank. The company is based in Lititz, PA.