INVESTMENTS AND INSURANCE: Are not deposits • Are not FDIC insured • Are not guaranteed by the Bank • May go down in value • Are not insured by any Federal Government Agency
First Niagara Private Client Services is a division of First Niagara Bank, N.A.
There are risks involved with investing, including loss of principal. Diversification may not protect against market risk. Past performance does not guarantee future results.
Risk management and insurance products are offered through First Niagara Risk Management, Inc., a wholly-owned subsidiary of First Niagara Bank, N.A., and a licensed insurance broker and agent. Insurance policies are obligations of the insurers that issue the policies. Insurance products may not be available in all states.