CONSUMER LOAN RATES

EFFECTIVE AS OF OCTOBER 1, 2008

FIXED RATE HOME EQUITY LOANS

TERM	RATE	MONTHLY PAYMENT PER $1,000 BORROWED	APR (ANNUAL PERCENTAGE RATE)
12 TO 60 MONTHS	5.99%	$86.07 - $19.33	5.990%*
61 TO 120 MONTHS	6.24%	$19.18 - $11.23	6.240%*
121 TO 180 MONTHS	6.49%	$11.29 - $8.71	6.490%*

*APR based on $10,000 loan. Minimum loan amount is $5,000. Rates quoted are based on automatic payment from a First Keystone National Bank account. Without automatic payment, add .50% to rate. Add 1% to rate for non-owner occupied home equity loans. Property insurance is required.

HOMELINE (HOME EQUITY LINE OF CREDIT)

TERM	RATE	MONTHLY PAYMENT	APR (ANNUAL PERCENTAGE RATE)
SEE BELOW*	CURRENTLY 6.00%	VARIES	6.000%

*Floating rate based on Wall Street Journal Prime Rate. Floor of 6% with a maximum of 18%. Rate adjusts quarterly. $15 annual fee. Minimum line of credit is $5,000. Principal and interest vary monthly as billed. Revolving: 10-year draw period, then

10-year amortized repayment period. Rate may be reduced .25% with automatic payment from FKNB account. Property insurance is required.

YOU CAN NOW CLICK ON “MORTGAGES” ON THE MAIN PAGE TO ACCESS OUR CURRENT MORTGAGE RATES!

PERSONAL UNSECURED LOANS

MINIMUM LOAN AMOUNT	TERM	RATE	MONTHLY PAYMENT PER $1,000 BORROWED	APR (ANNUAL PERCENTAGE RATE)
Less than $1,000	12 to 48 Months	13.00%	$89.32 - $26.83	13.000%
$1,000 to $5,000	12 to 60 Months	12.00%	$88.85 - $22.25	12.000%

*Deduct .25% with automatic payment from an FKNB account.

VEHICLE LOANS

VEHICLE LOAN TYPE	TERM	RATE	MONTHLY PAYMENT PER $1,000 BORROWED	APR (ANNUAL PERCENTAGE RATE)
NEW AUTO	12 TO 60 MONTHS	6.00%	$86.07 - $19.34	6.000%*
NEW AUTO	61 TO 72 MONTHS	6.50%	$19.30 - $16.81	6.500%*
USED AUTO	12 TO 48 MONTHS	6.75%	$86.42 - $23.84	6.750%*
USED AUTO	49 TO 60 MONTHS	7.00%	$23.53 - $19.81	7.000%*
NEW MOTORCYCLE	12 TO 60 MONTHS	7.00%	$86.53 - $19.81	7.000%*
USED MOTORCYCLE	12 TO 48 MONTHS	8.25%	$87.11 - $24.54	8.250%*

*Rates quoted are based on automatic payment from an FKNB account. Without automatic payment, add .25% to rate. Vehicle insurance is required.

CASHLINE

TERM	RATE	MONTHLY PAYMENT	CURRENT APR (ANNUAL PERCENTAGE RATE)
SEE BELOW*	CURRENTLY 8.00%	Minimum $20 when balance is present	8.000%

*Cashline is a personal line of credit tied to your FKNB checking account. Monthly payment is automatically taken from this checking account. Rate is based on the Wall Street Journal Prime Rate plus 3%. Rate adjusts quarterly. $15 annual fee.

ALL LOANS: Terms, conditions and rates subject to change at any time. All loans are subject to credit approval. Please contact your local branch office or call toll free, 888-759-2266 for additional information or questions.