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First Niagara's CEO Presents At Barclays Capital Global Financial Services Conference (Transcript)

Winning hearts and minds, talk about that all the time. You can’t get to their valet unless you start with their heart and their mind. And that’s what’s differentiated us. As for the last three, four years, does today, and will continue to in the future.

Those customers that we’ve aggregated as I said really nice commercial bank mix. We’re evolving from a threat to commercial platform and very, very comfortable and confident and excited about the opportunity very loyal, committed and relationship focus and relationship driven customer base provides.

And that’s across the franchise and the footprint in the Northeast where the demographic speak for themselves and the stability and resiliency of the footprint, I think has took the test of time through the worst of the storm and further validates our attempt to ensure we stay focus geographically, don’t get a mild wide and steep, but focus on density and accumulating critical mass over tighter geography.

So as we look at that aggregate piece of the puzzle, I think we’ve been opportunistic every step of the way whether the wind was at our back or in our face. I’m pleased and proud of what we’ve been able to accomplish.

In terms of the integration piece of the equation, really is where we can continue to differentiate. I think our execution is relatively unique and a lot of us use those words from time-to-time, but I take a lot pride in this case.

There is a real short list of the do what we do the way we do it. Whether that be the day one full conversion, people, products, systems, infrastructure, whether that would be the systems conversion, legally complete the transaction 4:30, 5 o’clock on Friday, reopen the business 9 o’clock Monday morning under the First Niagara banner, on the First Niagara system, no parallel pause, et cetera.

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