401k Plan data: THE RETIREMENT PLAN OF THE FIRST NIAGARA FINANCIAL GROUP, INC. plan

THE RETIREMENT PLAN OF THE FIRST NIAGARA FINANCIAL GROUP, INC. 401k Plan overview

Plan Name	THE RETIREMENT PLAN OF THE FIRST NIAGARA FINANCIAL GROUP, INC.
Plan identification number	001

THE RETIREMENT PLAN OF THE FIRST NIAGARA FINANCIAL GROUP, INC. Benefits

401k Plan Type

Defined Benefit Pension

Plan Features/Benefits

Benefits are primarily pay related
Covered by PBGC - Plan is covered under the PBGC insurance program (see ERISA section 4021).
Frozen Plan - As of the last day of the plan year, the plan provides that no participant will get any new benefit accrual (whether because of service or compensation).
Master plan - A pension plan that is made available by a sponsor for adoption by employers; that is the subject of a favorable opinion letter; and for which a single funding medium (for example, a trust or custodial account) is established for the joint use of all adopting employers.

401k Sponsoring company profile

FIRST NIAGARA FINANCIAL GROUP, INC. has sponsored the creation of one or more 401k plans.

Company Name: FIRST NIAGARA FINANCIAL GROUP, INC.

Employer identification number (EIN): 421556195

NAIC Classification: 522120
NAIC Description: Savings Institutions

Form 5500 Filing Information

Submission information for form 5500 for 401k plan THE RETIREMENT PLAN OF THE FIRST NIAGARA FINANCIAL GROUP, INC.

Plan id# Filing Submission Date Name of Administrator Date Administrator Signed Name of Company Sponsor Date Sponsor Signed
001 2014-10-01 MARYLISA OROSS
001 2013-10-01 MARYLISA OROSS
001 2012-10-01 MARYLISA OROSS
001 2011-10-01 JULIE LAFOREST JULIE LAFOREST 2013-07-15
001 2010-10-01 JULIE LAFOREST JULIE LAFOREST 2012-07-13
001 2009-10-01 JULIE LAFOREST JULIE LAFOREST 2011-07-15
001 2008-10-01

Plan id#	Filing Submission Date	Name of Administrator	Name of Company Sponsor	Date Sponsor Signed
001	2014-10-01	MARYLISA OROSS
001	2013-10-01	MARYLISA OROSS
001	2012-10-01	MARYLISA OROSS
001	2011-10-01	JULIE LAFOREST	JULIE LAFOREST	2013-07-15
001	2010-10-01	JULIE LAFOREST	JULIE LAFOREST	2012-07-13
001	2009-10-01	JULIE LAFOREST	JULIE LAFOREST	2011-07-15
001	2008-10-01

Plan Statistics for THE RETIREMENT PLAN OF THE FIRST NIAGARA FINANCIAL GROUP, INC.

401k plan membership statisitcs for THE RETIREMENT PLAN OF THE FIRST NIAGARA FINANCIAL GROUP, INC.

Measure Date Value
2014: THE RETIREMENT PLAN OF THE FIRST NIAGARA FINANCIAL GROUP, INC. 2014 401k membership
Total participants, beginning-of-year 2014-10-01 1,556
Total number of active participants reported on line 7a of the Form 5500 2014-10-01 322
Number of retired or separated participants receiving benefits 2014-10-01 527
Number of other retired or separated participants entitled to future benefits 2014-10-01 461
Total of all active and inactive participants 2014-10-01 1,310
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2014-10-01 48
Total participants 2014-10-01 1,358
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2014-10-01 0
2013: THE RETIREMENT PLAN OF THE FIRST NIAGARA FINANCIAL GROUP, INC. 2013 401k membership
Total participants, beginning-of-year 2013-10-01 1,584
Total number of active participants reported on line 7a of the Form 5500 2013-10-01 364
Number of retired or separated participants receiving benefits 2013-10-01 517
Number of other retired or separated participants entitled to future benefits 2013-10-01 627
Total of all active and inactive participants 2013-10-01 1,508
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2013-10-01 48
Total participants 2013-10-01 1,556
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2013-10-01 0
2012: THE RETIREMENT PLAN OF THE FIRST NIAGARA FINANCIAL GROUP, INC. 2012 401k membership
Total participants, beginning-of-year 2012-10-01 1,617
Total number of active participants reported on line 7a of the Form 5500 2012-10-01 401
Number of retired or separated participants receiving benefits 2012-10-01 506
Number of other retired or separated participants entitled to future benefits 2012-10-01 628
Total of all active and inactive participants 2012-10-01 1,535
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2012-10-01 49
Total participants 2012-10-01 1,584
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2012-10-01 0
2011: THE RETIREMENT PLAN OF THE FIRST NIAGARA FINANCIAL GROUP, INC. 2011 401k membership
Total participants, beginning-of-year 2011-10-01 1,639
Total number of active participants reported on line 7a of the Form 5500 2011-10-01 439
Number of retired or separated participants receiving benefits 2011-10-01 488
Number of other retired or separated participants entitled to future benefits 2011-10-01 641
Total of all active and inactive participants 2011-10-01 1,568
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2011-10-01 49
Total participants 2011-10-01 1,617
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2011-10-01 0
2010: THE RETIREMENT PLAN OF THE FIRST NIAGARA FINANCIAL GROUP, INC. 2010 401k membership
Total participants, beginning-of-year 2010-10-01 1,676
Total number of active participants reported on line 7a of the Form 5500 2010-10-01 497
Number of retired or separated participants receiving benefits 2010-10-01 459
Number of other retired or separated participants entitled to future benefits 2010-10-01 638
Total of all active and inactive participants 2010-10-01 1,594
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2010-10-01 45
Total participants 2010-10-01 1,639
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2010-10-01 0
2009: THE RETIREMENT PLAN OF THE FIRST NIAGARA FINANCIAL GROUP, INC. 2009 401k membership
Total participants, beginning-of-year 2009-10-01 1,713
Total number of active participants reported on line 7a of the Form 5500 2009-10-01 543
Number of retired or separated participants receiving benefits 2009-10-01 433
Number of other retired or separated participants entitled to future benefits 2009-10-01 654
Total of all active and inactive participants 2009-10-01 1,630
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2009-10-01 46
Total participants 2009-10-01 1,676
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2009-10-01 0

Measure	Date	Value
2014: THE RETIREMENT PLAN OF THE FIRST NIAGARA FINANCIAL GROUP, INC. 2014 401k membership
Total participants, beginning-of-year	2014-10-01	1,556
Total number of active participants reported on line 7a of the Form 5500	2014-10-01	322
Number of retired or separated participants receiving benefits	2014-10-01	527
Number of other retired or separated participants entitled to future benefits	2014-10-01	461
Total of all active and inactive participants	2014-10-01	1,310
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2014-10-01	48
Total participants	2014-10-01	1,358
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2014-10-01	0
2013: THE RETIREMENT PLAN OF THE FIRST NIAGARA FINANCIAL GROUP, INC. 2013 401k membership
Total participants, beginning-of-year	2013-10-01	1,584
Total number of active participants reported on line 7a of the Form 5500	2013-10-01	364
Number of retired or separated participants receiving benefits	2013-10-01	517
Number of other retired or separated participants entitled to future benefits	2013-10-01	627
Total of all active and inactive participants	2013-10-01	1,508
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2013-10-01	48
Total participants	2013-10-01	1,556
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2013-10-01	0
2012: THE RETIREMENT PLAN OF THE FIRST NIAGARA FINANCIAL GROUP, INC. 2012 401k membership
Total participants, beginning-of-year	2012-10-01	1,617
Total number of active participants reported on line 7a of the Form 5500	2012-10-01	401
Number of retired or separated participants receiving benefits	2012-10-01	506
Number of other retired or separated participants entitled to future benefits	2012-10-01	628
Total of all active and inactive participants	2012-10-01	1,535
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2012-10-01	49
Total participants	2012-10-01	1,584
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2012-10-01	0
2011: THE RETIREMENT PLAN OF THE FIRST NIAGARA FINANCIAL GROUP, INC. 2011 401k membership
Total participants, beginning-of-year	2011-10-01	1,639
Total number of active participants reported on line 7a of the Form 5500	2011-10-01	439
Number of retired or separated participants receiving benefits	2011-10-01	488
Number of other retired or separated participants entitled to future benefits	2011-10-01	641
Total of all active and inactive participants	2011-10-01	1,568
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2011-10-01	49
Total participants	2011-10-01	1,617
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2011-10-01	0
2010: THE RETIREMENT PLAN OF THE FIRST NIAGARA FINANCIAL GROUP, INC. 2010 401k membership
Total participants, beginning-of-year	2010-10-01	1,676
Total number of active participants reported on line 7a of the Form 5500	2010-10-01	497
Number of retired or separated participants receiving benefits	2010-10-01	459
Number of other retired or separated participants entitled to future benefits	2010-10-01	638
Total of all active and inactive participants	2010-10-01	1,594
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2010-10-01	45
Total participants	2010-10-01	1,639
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2010-10-01	0
2009: THE RETIREMENT PLAN OF THE FIRST NIAGARA FINANCIAL GROUP, INC. 2009 401k membership
Total participants, beginning-of-year	2009-10-01	1,713
Total number of active participants reported on line 7a of the Form 5500	2009-10-01	543
Number of retired or separated participants receiving benefits	2009-10-01	433
Number of other retired or separated participants entitled to future benefits	2009-10-01	654
Total of all active and inactive participants	2009-10-01	1,630
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2009-10-01	46
Total participants	2009-10-01	1,676
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2009-10-01	0

Financial Data on THE RETIREMENT PLAN OF THE FIRST NIAGARA FINANCIAL GROUP, INC.

Measure	Date	Value
2015 : THE RETIREMENT PLAN OF THE FIRST NIAGARA FINANCIAL GROUP, INC. 2015 401k financial data
Unrealized appreciation/depreciation of other (non real estate) assets	2015-09-30	$-6,668,054
Total unrealized appreciation/depreciation of assets	2015-09-30	$-6,668,054
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2015-09-30	$0
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2015-09-30	$0
Total income from all sources (including contributions)	2015-09-30	$98,644
Total loss/gain on sale of assets	2015-09-30	$3,972,024
Total of all expenses incurred	2015-09-30	$7,587,368
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2015-09-30	$7,256,338
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2015-09-30	$0
Value of total assets at end of year	2015-09-30	$111,574,588
Value of total assets at beginning of year	2015-09-30	$119,063,312
Total of administrative expenses incurred including professional, contract, advisory and management fees	2015-09-30	$331,030
Total interest from all sources	2015-09-30	$0
Total dividends received (eg from common stock, registered investment company shares)	2015-09-30	$2,790,017
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2015-09-30	No
Administrative expenses professional fees incurred	2015-09-30	$254,786
Was this plan covered by a fidelity bond	2015-09-30	Yes
Value of fidelity bond cover	2015-09-30	$20,000,000
Were there any nonexempt tranactions with any party-in-interest	2015-09-30	No
Other income not declared elsewhere	2015-09-30	$4,657
Administrative expenses (other) incurred	2015-09-30	$76,244
Total non interest bearing cash at end of year	2015-09-30	$0
Total non interest bearing cash at beginning of year	2015-09-30	$115,695
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2015-09-30	No
Value of net income/loss	2015-09-30	$-7,488,724
Value of net assets at end of year (total assets less liabilities)	2015-09-30	$111,574,588
Value of net assets at beginning of year (total assets less liabilities)	2015-09-30	$119,063,312
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2015-09-30	No
Were any loans by the plan or fixed income obligations due to the plan in default	2015-09-30	No
Were any leases to which the plan was party in default or uncollectible	2015-09-30	No
Value of interest in registered invesment companies (eg mutual funds) at end of year	2015-09-30	$105,348,476
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2015-09-30	$113,454,738
Value of interest bearing cash (including money market accounts and certificates of deposits) at end of year	2015-09-30	$5,586,480
Interest-bearing cash (include money market accounts & certificates of deposit) at beginning of the Year	2015-09-30	$5,013,624
Value of interest bearing cash (including money market accounts and certificates of deposits) at beginning of year	2015-09-30	$5,013,624
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2015-09-30	Yes
Was there a failure to transmit to the plan any participant contributions	2015-09-30	No
Has the plan failed to provide any benefit when due under the plan	2015-09-30	No
Income. Dividends from common stock	2015-09-30	$2,790,017
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2015-09-30	$7,256,338
Assets. Corporate common stocks other than exployer securities at end of year	2015-09-30	$639,632
Assets. Corporate common stocks other than exployer securities at beginning of year	2015-09-30	$479,255
Did the plan have assets held for investment	2015-09-30	Yes
Did the plan hold any assets whose current value was neither redily determinable on an established market nor set by an independent third party appraiser	2015-09-30	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2015-09-30	No
Aggregate proceeds on sale of assets	2015-09-30	$77,150,806
Aggregate carrying amount (costs) on sale of assets	2015-09-30	$73,178,782
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2015-09-30	Yes
Opinion of an independent qualified public accountant for this plan	2015-09-30	Disclaimer
Accountancy firm name	2015-09-30	INSERO & CO. CPAS, LLP
Accountancy firm EIN	2015-09-30	475324570
2014 : THE RETIREMENT PLAN OF THE FIRST NIAGARA FINANCIAL GROUP, INC. 2014 401k financial data
Unrealized appreciation/depreciation of other (non real estate) assets	2014-09-30	$4,427,705
Total unrealized appreciation/depreciation of assets	2014-09-30	$4,427,705
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2014-09-30	$0
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2014-09-30	$0
Total income from all sources (including contributions)	2014-09-30	$7,506,417
Total loss/gain on sale of assets	2014-09-30	$521,344
Total of all expenses incurred	2014-09-30	$4,728,685
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2014-09-30	$4,503,781
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2014-09-30	$0
Value of total assets at end of year	2014-09-30	$119,063,312
Value of total assets at beginning of year	2014-09-30	$116,285,580
Total of administrative expenses incurred including professional, contract, advisory and management fees	2014-09-30	$224,904
Total interest from all sources	2014-09-30	$0
Total dividends received (eg from common stock, registered investment company shares)	2014-09-30	$2,539,947
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2014-09-30	No
Administrative expenses professional fees incurred	2014-09-30	$150,588
Was this plan covered by a fidelity bond	2014-09-30	Yes
Value of fidelity bond cover	2014-09-30	$40,000,000
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2014-09-30	$0
Were there any nonexempt tranactions with any party-in-interest	2014-09-30	No
Other income not declared elsewhere	2014-09-30	$17,421
Administrative expenses (other) incurred	2014-09-30	$74,316
Total non interest bearing cash at end of year	2014-09-30	$115,695
Total non interest bearing cash at beginning of year	2014-09-30	$106,872
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2014-09-30	No
Value of net income/loss	2014-09-30	$2,777,732
Value of net assets at end of year (total assets less liabilities)	2014-09-30	$119,063,312
Value of net assets at beginning of year (total assets less liabilities)	2014-09-30	$116,285,580
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2014-09-30	No
Were any loans by the plan or fixed income obligations due to the plan in default	2014-09-30	No
Were any leases to which the plan was party in default or uncollectible	2014-09-30	No
Value of interest in registered invesment companies (eg mutual funds) at end of year	2014-09-30	$113,454,738
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2014-09-30	$105,878,418
Value of interest bearing cash (including money market accounts and certificates of deposits) at end of year	2014-09-30	$5,013,624
Interest-bearing cash (include money market accounts & certificates of deposit) at beginning of the Year	2014-09-30	$9,724,154
Value of interest bearing cash (including money market accounts and certificates of deposits) at beginning of year	2014-09-30	$9,724,154
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2014-09-30	Yes
Was there a failure to transmit to the plan any participant contributions	2014-09-30	No
Has the plan failed to provide any benefit when due under the plan	2014-09-30	No
Income. Dividends from common stock	2014-09-30	$2,539,947
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2014-09-30	$4,503,781
Assets. Corporate common stocks other than exployer securities at end of year	2014-09-30	$479,255
Assets. Corporate common stocks other than exployer securities at beginning of year	2014-09-30	$576,136
Did the plan have assets held for investment	2014-09-30	Yes
Did the plan hold any assets whose current value was neither redily determinable on an established market nor set by an independent third party appraiser	2014-09-30	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2014-09-30	No
Aggregate proceeds on sale of assets	2014-09-30	$521,344
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2014-09-30	Yes
Opinion of an independent qualified public accountant for this plan	2014-09-30	Disclaimer
Accountancy firm name	2014-09-30	INSERO AND COMPANY, CPAS, P.C.
Accountancy firm EIN	2014-09-30	161016457
2013 : THE RETIREMENT PLAN OF THE FIRST NIAGARA FINANCIAL GROUP, INC. 2013 401k financial data
Unrealized appreciation/depreciation of other (non real estate) assets	2013-09-30	$-1,585,098
Total unrealized appreciation/depreciation of assets	2013-09-30	$-1,585,098
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2013-09-30	$0
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2013-09-30	$0
Total income from all sources (including contributions)	2013-09-30	$3,375,405
Total loss/gain on sale of assets	2013-09-30	$1,721,924
Total of all expenses incurred	2013-09-30	$4,792,377
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2013-09-30	$4,564,407
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2013-09-30	$0
Value of total assets at end of year	2013-09-30	$116,285,580
Value of total assets at beginning of year	2013-09-30	$117,702,552
Total of administrative expenses incurred including professional, contract, advisory and management fees	2013-09-30	$227,970
Total interest from all sources	2013-09-30	$0
Total dividends received (eg from common stock, registered investment company shares)	2013-09-30	$3,221,063
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2013-09-30	No
Total dividends received from registered investment company shares (eg mutual funds)	2013-09-30	$3,203,655
Administrative expenses professional fees incurred	2013-09-30	$170,605
Was this plan covered by a fidelity bond	2013-09-30	Yes
Value of fidelity bond cover	2013-09-30	$40,000,000
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2013-09-30	$0
Were there any nonexempt tranactions with any party-in-interest	2013-09-30	No
Other income not declared elsewhere	2013-09-30	$17,516
Administrative expenses (other) incurred	2013-09-30	$57,365
Total non interest bearing cash at end of year	2013-09-30	$106,872
Total non interest bearing cash at beginning of year	2013-09-30	$196
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2013-09-30	No
Value of net income/loss	2013-09-30	$-1,416,972
Value of net assets at end of year (total assets less liabilities)	2013-09-30	$116,285,580
Value of net assets at beginning of year (total assets less liabilities)	2013-09-30	$117,702,552
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2013-09-30	No
Were any loans by the plan or fixed income obligations due to the plan in default	2013-09-30	No
Were any leases to which the plan was party in default or uncollectible	2013-09-30	No
Value of interest in registered invesment companies (eg mutual funds) at end of year	2013-09-30	$105,878,418
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2013-09-30	$102,772,378
Value of interest bearing cash (including money market accounts and certificates of deposits) at end of year	2013-09-30	$9,724,154
Interest-bearing cash (include money market accounts & certificates of deposit) at beginning of the Year	2013-09-30	$14,497,605
Value of interest bearing cash (including money market accounts and certificates of deposits) at beginning of year	2013-09-30	$14,497,605
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2013-09-30	No
Was there a failure to transmit to the plan any participant contributions	2013-09-30	No
Has the plan failed to provide any benefit when due under the plan	2013-09-30	No
Income. Dividends from common stock	2013-09-30	$17,408
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2013-09-30	$4,564,407
Assets. Corporate common stocks other than exployer securities at end of year	2013-09-30	$576,136
Assets. Corporate common stocks other than exployer securities at beginning of year	2013-09-30	$432,373
Did the plan have assets held for investment	2013-09-30	Yes
Did the plan hold any assets whose current value was neither redily determinable on an established market nor set by an independent third party appraiser	2013-09-30	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2013-09-30	No
Aggregate proceeds on sale of assets	2013-09-30	$1,721,924
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2013-09-30	Yes
Opinion of an independent qualified public accountant for this plan	2013-09-30	Disclaimer
Accountancy firm name	2013-09-30	BONADIO AND COMPANY, LLP
Accountancy firm EIN	2013-09-30	131131146
2012 : THE RETIREMENT PLAN OF THE FIRST NIAGARA FINANCIAL GROUP, INC. 2012 401k financial data
Unrealized appreciation/depreciation of other (non real estate) assets	2012-09-30	$6,963,877
Total unrealized appreciation/depreciation of assets	2012-09-30	$6,963,877
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2012-09-30	$0
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2012-09-30	$0
Total income from all sources (including contributions)	2012-09-30	$57,640,948
Total loss/gain on sale of assets	2012-09-30	$394,655
Total of all expenses incurred	2012-09-30	$5,109,208
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2012-09-30	$4,831,111
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2012-09-30	$47,816,050
Value of total assets at end of year	2012-09-30	$117,702,552
Value of total assets at beginning of year	2012-09-30	$65,170,812
Total of administrative expenses incurred including professional, contract, advisory and management fees	2012-09-30	$278,097
Total interest from all sources	2012-09-30	$0
Total dividends received (eg from common stock, registered investment company shares)	2012-09-30	$2,458,302
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2012-09-30	No
Total dividends received from registered investment company shares (eg mutual funds)	2012-09-30	$2,441,986
Administrative expenses professional fees incurred	2012-09-30	$189,059
Was this plan covered by a fidelity bond	2012-09-30	Yes
Value of fidelity bond cover	2012-09-30	$15,000,000
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2012-09-30	$0
Were there any nonexempt tranactions with any party-in-interest	2012-09-30	No
Other income not declared elsewhere	2012-09-30	$8,064
Administrative expenses (other) incurred	2012-09-30	$89,038
Total non interest bearing cash at end of year	2012-09-30	$196
Total non interest bearing cash at beginning of year	2012-09-30	$43,966
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2012-09-30	No
Value of net income/loss	2012-09-30	$52,531,740
Value of net assets at end of year (total assets less liabilities)	2012-09-30	$117,702,552
Value of net assets at beginning of year (total assets less liabilities)	2012-09-30	$65,170,812
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2012-09-30	No
Were any loans by the plan or fixed income obligations due to the plan in default	2012-09-30	No
Were any leases to which the plan was party in default or uncollectible	2012-09-30	No
Value of interest in registered invesment companies (eg mutual funds) at end of year	2012-09-30	$102,772,378
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2012-09-30	$61,624,778
Value of interest bearing cash (including money market accounts and certificates of deposits) at end of year	2012-09-30	$14,497,605
Interest-bearing cash (include money market accounts & certificates of deposit) at beginning of the Year	2012-09-30	$3,204,053
Value of interest bearing cash (including money market accounts and certificates of deposits) at beginning of year	2012-09-30	$3,204,053
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2012-09-30	Yes
Was there a failure to transmit to the plan any participant contributions	2012-09-30	No
Has the plan failed to provide any benefit when due under the plan	2012-09-30	No
Contributions received in cash from employer	2012-09-30	$47,816,050
Income. Dividends from common stock	2012-09-30	$16,316
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2012-09-30	$4,831,111
Assets. Corporate common stocks other than exployer securities at end of year	2012-09-30	$432,373
Assets. Corporate common stocks other than exployer securities at beginning of year	2012-09-30	$298,015
Did the plan have assets held for investment	2012-09-30	Yes
Did the plan hold any assets whose current value was neither redily determinable on an established market nor set by an independent third party appraiser	2012-09-30	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2012-09-30	No
Aggregate proceeds on sale of assets	2012-09-30	$394,655
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2012-09-30	Yes
Opinion of an independent qualified public accountant for this plan	2012-09-30	Disclaimer
Accountancy firm name	2012-09-30	BONADIO AND COMPANY, LLP
Accountancy firm EIN	2012-09-30	131131146
2011 : THE RETIREMENT PLAN OF THE FIRST NIAGARA FINANCIAL GROUP, INC. 2011 401k financial data
Unrealized appreciation/depreciation of other (non real estate) assets	2011-09-30	$-2,271,298
Total unrealized appreciation/depreciation of assets	2011-09-30	$-2,271,298
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2011-09-30	$0
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2011-09-30	$0
Total income from all sources (including contributions)	2011-09-30	$1,854,859
Total loss/gain on sale of assets	2011-09-30	$2,087,477
Total of all expenses incurred	2011-09-30	$4,385,378
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2011-09-30	$4,208,781
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2011-09-30	$0
Value of total assets at end of year	2011-09-30	$65,170,812
Value of total assets at beginning of year	2011-09-30	$67,701,331
Total of administrative expenses incurred including professional, contract, advisory and management fees	2011-09-30	$176,597
Total interest from all sources	2011-09-30	$4,641
Total dividends received (eg from common stock, registered investment company shares)	2011-09-30	$2,034,039
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2011-09-30	No
Administrative expenses professional fees incurred	2011-09-30	$176,597
Was this plan covered by a fidelity bond	2011-09-30	Yes
Value of fidelity bond cover	2011-09-30	$15,000,000
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2011-09-30	$0
Were there any nonexempt tranactions with any party-in-interest	2011-09-30	No
Total non interest bearing cash at end of year	2011-09-30	$43,966
Total non interest bearing cash at beginning of year	2011-09-30	$60,921
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2011-09-30	No
Value of net income/loss	2011-09-30	$-2,530,519
Value of net assets at end of year (total assets less liabilities)	2011-09-30	$65,170,812
Value of net assets at beginning of year (total assets less liabilities)	2011-09-30	$67,701,331
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2011-09-30	No
Were any loans by the plan or fixed income obligations due to the plan in default	2011-09-30	No
Were any leases to which the plan was party in default or uncollectible	2011-09-30	No
Value of interest in registered invesment companies (eg mutual funds) at end of year	2011-09-30	$61,624,778
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2011-09-30	$65,849,843
Value of interest bearing cash (including money market accounts and certificates of deposits) at end of year	2011-09-30	$3,204,053
Interest-bearing cash (include money market accounts & certificates of deposit) at beginning of the Year	2011-09-30	$1,266,329
Value of interest bearing cash (including money market accounts and certificates of deposits) at beginning of year	2011-09-30	$1,266,329
Interest earned from interest bearing cash (including money market accounts and certificates of deposit)	2011-09-30	$4,641
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2011-09-30	Yes
Was there a failure to transmit to the plan any participant contributions	2011-09-30	No
Has the plan failed to provide any benefit when due under the plan	2011-09-30	No
Income. Dividends from common stock	2011-09-30	$2,034,039
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2011-09-30	$4,208,781
Asset. Corporate debt instrument debt (other) at end of year	2011-09-30	$0
Asset. Corporate debt instrument debt (other) at beginning of year	2011-09-30	$228,215
Assets. Corporate common stocks other than exployer securities at end of year	2011-09-30	$298,015
Assets. Corporate common stocks other than exployer securities at beginning of year	2011-09-30	$296,023
Did the plan have assets held for investment	2011-09-30	Yes
Did the plan hold any assets whose current value was neither redily determinable on an established market nor set by an independent third party appraiser	2011-09-30	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2011-09-30	No
Aggregate proceeds on sale of assets	2011-09-30	$2,087,477
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2011-09-30	Yes
Opinion of an independent qualified public accountant for this plan	2011-09-30	Disclaimer
Accountancy firm name	2011-09-30	BONADIO AND COMPANY, LLP
Accountancy firm EIN	2011-09-30	131131146
2010 : THE RETIREMENT PLAN OF THE FIRST NIAGARA FINANCIAL GROUP, INC. 2010 401k financial data
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2010-09-30	$0

Form 5500 Responses for THE RETIREMENT PLAN OF THE FIRST NIAGARA FINANCIAL GROUP, INC.

2014: THE RETIREMENT PLAN OF THE FIRST NIAGARA FINANCIAL GROUP, INC. 2014 form 5500 responses
2014-10-01	Type of plan entity	Single employer plan
2014-10-01	Submission has been amended	No
2014-10-01	This submission is the final filing	No
2014-10-01	This return/report is a short plan year return/report (less than 12 months)	No
2014-10-01	Plan is a collectively bargained plan	No
2014-10-01	Plan funding arrangement – Trust	Yes
2014-10-01	Plan benefit arrangement - Trust	Yes
2013: THE RETIREMENT PLAN OF THE FIRST NIAGARA FINANCIAL GROUP, INC. 2013 form 5500 responses
2013-10-01	Type of plan entity	Single employer plan
2013-10-01	Submission has been amended	No
2013-10-01	This submission is the final filing	No
2013-10-01	This return/report is a short plan year return/report (less than 12 months)	No
2013-10-01	Plan is a collectively bargained plan	No
2013-10-01	Plan funding arrangement – Trust	Yes
2013-10-01	Plan benefit arrangement - Trust	Yes
2012: THE RETIREMENT PLAN OF THE FIRST NIAGARA FINANCIAL GROUP, INC. 2012 form 5500 responses
2012-10-01	Type of plan entity	Single employer plan
2012-10-01	Submission has been amended	No
2012-10-01	This submission is the final filing	No
2012-10-01	This return/report is a short plan year return/report (less than 12 months)	No
2012-10-01	Plan is a collectively bargained plan	No
2012-10-01	Plan funding arrangement – Trust	Yes
2012-10-01	Plan benefit arrangement - Trust	Yes
2011: THE RETIREMENT PLAN OF THE FIRST NIAGARA FINANCIAL GROUP, INC. 2011 form 5500 responses
2011-10-01	Type of plan entity	Single employer plan
2011-10-01	Submission has been amended	No
2011-10-01	This submission is the final filing	No
2011-10-01	This return/report is a short plan year return/report (less than 12 months)	No
2011-10-01	Plan is a collectively bargained plan	No
2011-10-01	Plan funding arrangement – Trust	Yes
2011-10-01	Plan benefit arrangement - Trust	Yes
2010: THE RETIREMENT PLAN OF THE FIRST NIAGARA FINANCIAL GROUP, INC. 2010 form 5500 responses
2010-10-01	Type of plan entity	Single employer plan
2010-10-01	Submission has been amended	No
2010-10-01	This submission is the final filing	No
2010-10-01	This return/report is a short plan year return/report (less than 12 months)	No
2010-10-01	Plan is a collectively bargained plan	No
2010-10-01	Plan funding arrangement – Trust	Yes
2010-10-01	Plan benefit arrangement - Trust	Yes
2009: THE RETIREMENT PLAN OF THE FIRST NIAGARA FINANCIAL GROUP, INC. 2009 form 5500 responses
2009-10-01	Type of plan entity	Single employer plan
2009-10-01	Submission has been amended	No
2009-10-01	This submission is the final filing	No
2009-10-01	This return/report is a short plan year return/report (less than 12 months)	No
2009-10-01	Plan is a collectively bargained plan	No
2009-10-01	Plan funding arrangement – Trust	Yes
2009-10-01	Plan benefit arrangement - Trust	Yes
2008: THE RETIREMENT PLAN OF THE FIRST NIAGARA FINANCIAL GROUP, INC. 2008 form 5500 responses
2008-10-01	Type of plan entity	Single employer plan
2008-10-01	Submission has been amended	No
2008-10-01	This submission is the final filing	No
2008-10-01	This return/report is a short plan year return/report (less than 12 months)	No
2008-10-01	Plan is a collectively bargained plan	No

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Company Name:	FIRST NIAGARA FINANCIAL GROUP, INC.
Employer identification number (EIN):	421556195
NAIC Classification:	522120
NAIC Description:	Savings Institutions