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<item><link>http://www.alacrastore.com/storecontent/fitch/432841_pr_frame</link><guid isPermaLink="false">fitch/432841_pr_frame</guid><fitch:index_mode xmlns:fitch="http://www.alacra.com/fitch">html</fitch:index_mode><description>Fitch Ratings is a leading global rating agency committed to providing the world's credit markets with independent, timely and prospective credit opinions. Built on a foundation of organic growth and strategic acquisitions, Fitch Ratings has grown rapidly during the past decade gaining market presence throughout the world and across all fixed income markets.</description><fitch:company xmlns:fitch="http://www.alacra.com/fitch">First Niagara Bank</fitch:company><fitch:company xmlns:fitch="http://www.alacra.com/fitch">First Niagara Commercial Bank</fitch:company><fitch:company xmlns:fitch="http://www.alacra.com/fitch">First Niagara Financial Group</fitch:company><fitch:companyid xmlns:fitch="http://www.alacra.com/fitch">83019936</fitch:companyid><fitch:companyid xmlns:fitch="http://www.alacra.com/fitch">83019939</fitch:companyid><fitch:companyid xmlns:fitch="http://www.alacra.com/fitch">83019948</fitch:companyid><pubDate>9/5/2008 2:15:00 PM</pubDate><fitch:industry xmlns:fitch="http://www.alacra.com/fitch">01010000</fitch:industry><fitch:industry xmlns:fitch="http://www.alacra.com/fitch">01010100</fitch:industry><fitch:price xmlns:fitch="http://www.alacra.com/fitch">85</fitch:price><fitch:report xmlns:fitch="http://www.alacra.com/fitch">Press Release</fitch:report><fitch:ticker xmlns:fitch="http://www.alacra.com/fitch">FNFG</fitch:ticker><title>Fitch Affirms First Niagara Financial Group at 'BBB/F2'; Outlook Stable</title><fitch:docid xmlns:fitch="http://www.alacra.com/fitch">432841_pr_frame</fitch:docid><category>Credit &amp; Investment Research</category><alacra:ip>Fitch Research</alacra:ip></item><item><link>http://www.alacrastore.com/storecontent/ccbn/T1893986</link><guid isPermaLink="false">ccbn/T1893986</guid><ccbn:index_mode xmlns:ccbn="http://www.alacra.com/ccbn">norm</ccbn:index_mode><description>...Greetings, ladies and gentlemen, and welcome to the First Niagara Second Quarter #### Earnings Conference Call. At this time, all participants are in a listen-only mode, and a brief question-and-answer session will follow the formal presentation. (OPERATOR INSTRUCTIONS) As a reminder, this conference is being recorded. I would now like to turn the conference over to your host, Mr. John Koelmel, President and Chief Executive Officer of First Niagara. Thank you. Mr. Koelmel, you may now begin. ...

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</description><ccbn:type xmlns:ccbn="http://www.alacra.com/ccbn">Transcript</ccbn:type><ccbn:docid xmlns:ccbn="http://www.alacra.com/ccbn">T1665972</ccbn:docid><category>Credit &amp; Investment Research</category><alacra:ip>Thomson Street Events</alacra:ip></item><item><link>http://www.alacrastore.com/storecontent/srp/24609</link><guid isPermaLink="false">srp/24609</guid><srp:index_mode xmlns:srp="http://www.alacra.com/srp">norm</srp:index_mode><description>...Address:#### South Transit Road, P.O. Box ###, Lockport, New York #####-#### Incorporated:DelawareWeb Site: www.firstniagarafinancial.comSIC Classification: Savings Institutions, Not Federally Chartered (####) Business Description: First Niagara Financial Group, Inc. is a bank holding company that provides full-service financial services to individuals, families and businesses. The company's range of products includes personal and business checking, savings, business loan and mortgage products, cash management services, investment alternatives, lease financing and trust services. The company offers an expanded product line, which includes commercial and personal insurance and investment advisory services. Indices:Russell ####, Russell ####, S&amp;P ### IPO Date: ##-##-####...

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