James Ciroli

First Niagara Financial Group, Inc. operates through its wholly owned subsidiary, First Niagara Bank, N.A., provides a wide range of retail and commercial banking as well as other financial services to individuals, families and businesses across Upstate New York, Pennsylvania, Connecticut and Massachusetts. It operates through two segments: Banking and Financial Services. The Banking segment includes all of its retail and commercial banking operations. The financial services segment offers a wide range of insurance products and consulting services to help both its retail and commercial customers achieve their financial goals. The company was founded in April 1998 and is headquartered in Buffalo, NY.

Flagstar Bancorp, Inc.is a bank holding company, which engages in the provision of financial services. It operates through the following segments: Community Banking, Mortgage Originations, Mortgage Servicing, and Other. The Community Banking segment offers loans, deposits, checking and savings accounts, consumer and commercial loans, treasury management, equipment leasing, and capital markets services. The Mortgage Originations segment acquires and markets residential mortgage loans. The Mortgage Servicing segment comprises financing solutions to properties held-for-investment. The Other segment consists of interest rate risk management, investment securities portfolios, balance sheet funding, treasury and corporate assets, and equities. The company was founded in 1993 and is headquartered in Troy, MI.

Flagstar Bank NA operates as federally chartered savings bank. The firm offers personal, business and commercial banking services. The company was founded by Thomas J. Hammond in 1987 and is headquartered in Troy, MI.

Detroit Opera operates as a producer and presenter for opera, musical theatre, and dance. The non-profit company is based in Detroit, MI and has subsidiaries in the United States. Wayne S. Brown has been the CEO of the company since 2014.