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Daniel A. Dintino, Jr. was elected Senior Vice President of Corporate Development in June 2002. Prior to that he served as Senior Vice President and Chief Financial Officer since October 2000 when he joined First Niagara Bank. From 1999 to October 2000, he was Senior Vice President - Performance Management at HSBC Bank (USA). Prior to 1999, he served as Senior Vice President - Mortgage Operations at HSBC Mortgage Corporation. | 