First Niagara Financial Group, Inc. provides a range of retail and commercial banking, as well as other financial services through its wholly owned bank subsidiary, First Niagara Bank, N.A. (the Bank). The Company is a bank holding company. At December 31, 2012, the Company had $27.7 billion of deposits. The Bank is a nationally chartered regional bank providing financial services to individuals, families and businesses. The Bank provides its retail consumer and business customers with banking services, including residential and commercial real estate loans, commercial business loans, consumer loans, wealth management products, as well as retail and commercial deposit products. On May 18, 2012, the Bank acquired 137 full-service branches from HSBC Bank USA, National Association (HSBC) and its affiliates (the HSBC Branch Acquisition).