Keystone Bank -- Keystone Reward Checking -- Rates effective as of April 21, 2009

To receive the high Annual Percentage Yield and ATM fee refunds nationwide, you must perform the following requirements each cycle:

Earn nationwide ATM fee refunds are unlimited.

4.04% Annual Percentage Yield (APY) paid on balances between one penny and $25,000 and 1.15% APY paid on the portion of account balances over $25,000 for each cycle the requirements are met.

If you do not meet the requirements during a cycle, your account will still function as a free checking account earning 0.25% APY .

Annual Percentage Rates for this account are effective as of April 21, 2009 and subject to change after account is opened.

A minimum balance of $25.00 is required to open this account. Available for personal accounts only.

No monthly service charge.

Contact Keystone Bank for more details.

Member FDIC.