You are a Registered Shareholder if you have your stock certificate in your possession, or it is being held in your name by a transfer agent. You are a 401(k)/ESOP Participant if you hold First Niagara shares in the First Niagara, Harleysville or NewAlliance ESOP and/or 401(k) Plans.


You are a Beneficial Shareholder if you maintain your position in the Company within a brokerage account.


You are a Foreign Investor if you do not have a US/Canadian Social Security Number or Tax ID associated with your account.