Keystone Nazareth Bank & Trust

CHECKING RATES

RETAIL DEPOSIT RATES

Retail rates effective as of 07/04/08 and are subject to change without notice.
RETAIL CHECKING ACCOUNT RATES
Type of Account	Minimum Balance To Earn Interest	Annual Percentage Yield (APY)	Interest Rate
KNBT Interest Checking	<$500	0.00%	0.00%
	$500 - $4,999	0.05%	0.05%
	$5,000 - $9,999	0.07%	0.07%
	$10,000 - $24,999	0.07%	0.07%
	$25,000 - $49,999	0.12%	0.1199%
	$50,000+	0.42%	0.4192%
KNBT Relationship Checking	$750	0.45%	0.45%
KNBT ValuePlus Checking	N/A	0.05%	0.05%
The interest rates quoted above are for variable-rate accounts and subject to change at any time after the account is opened. Monthly fees may apply and may affect the Annual Percentage Yield (APY).

MONEY MARKET

Retail rates effective as of 07/04/08 and are subject to change without notice.
RETAIL MONEY MARKET ACCOUNT RATES
Type of Account	Minimum Balance To Earn Interest	Annual Percentage Yield (APY)	Interest Rate
KNBT Money Market Account¹
	$1,000 - $24,999	0.55%	0.5500%
	$25,000 - $99,999	1.05%	1.0450%
	$100,000+	1.90%	1.8837%
KNBT Premium Money Market¹	$10,000 - $49,999	1.05%	1.0450%
	$50,000 - $99,999	1.05%	1.0450%
	$100,000 - $249,999	1.90%	1.8837%
	$250,000 - $499,999	1.90%	1.8837%
	$500,000 - $999,999	1.90%	1.8837%
	$1,000,000+	2.05%	2.0310%
The interest rates quoted above are for variable-rate accounts and are subject to change at any time after the account is opened. 1 Monthly fees may apply and may affect the Annual Percentage Yield (APY).

CD RATES

Retail rates effective as of 07/04/08 and are subject to change without notice.

RETAIL CD & IRA ACCOUNT RATES

Fixed-Rate CD and IRA Terms

Minimum Balance To Earn Interest

Annual Percentage Yield (APY)

Interest Rate

3 – 5 Months

$500

2.20%

2.1762%

6 – 11 Months

$500

2.45%

2.4205%

8 Month Fixed Rate CD Special!*

$500

2.80%

2.7616%

12 – 17 Months

$500

2.65%

2.62%

13-Month CD Special

$500

4.10%

4.0184%

18-Month STEP-UP CD**

$500

3.75%

3.6816%

18 – 23 Months

$500

2.80%

2.76%

24 – 35 Months

$500

2.85%

2.81%

36-Month STEP-UP CD**

$500

4.00%

3.9223%

36 – 47 Months

$500

2.90%

2.86%

48 – 59 Months

$500

2.95%

2.91%

60 – 120 Months

$500

3.15%

3.10%

Variable-Rate IRAs

Minimum Balance To Earn Interest

Annual Percentage Yield (APY)

Interest Rate

13-Month IRA Special

$500

4.10%

4.0384%

18-Month Variable IRA

$500

3.00%

2.96%

18-Month STEP-UP IRA**

$500

3.75%

3.6984%

36-Month STEP-UP IRA**

$500

4.00%

3.9414%

Early withdrawal penalties may apply. A $5,000 minimum balance is required to receive monthly interest check.

* To renew into this special rate, please visit your local branch. Automatic renewal options are not available.
**Rate and term applicable for a CD or IRA. After the account is opened, you may make one additional deposit into your account; made at the same time you elect to "step up" the interest rate on your account. This deposit will mature on the original maturity date of your account.

CONSUMER LOAN RATES

Consumer Loan rates effective as of 07/04/08 and are subject to change without notice.

CONSUMER LOAN RATES

Loan Type

Term (Months)

Annual Percentage
Rate (APR)

Monthly Payment Per $1,000 Borrowed

Apply Online Today!

Home Equity Loans^1A
$10,000 Minimum 12-36 Months 5.874% $30.36
36 Months Apply Now!

37-60 Months 5.990% $19.33
60 Months

61-108 Months 6.490% $12.25
108 Months

109-120 Months 6.490% $11.35
120 Months

121-180 Months 6.740% $8.84
180 Months
181-240 Months 7.125% $7.83
240 Months
KNBT PrimeLine Home Equity Line of Credit^1B
$75,000 Minimum Revolving Best Rate:
4.50%
(Prime minus 0.50%)
PrimeLine P&I Payment Option:
minimum $50 principal + interest.
PrimeLine Interest
Payment Option:
the greater of accrued interest or $50.
Apply Now!

KNBT Home Equity Line of Credit^1C
$5,000 Minimum Revolving 5.00%
P&I Payment Option:
minimum $50 principal + interest.
Interest Payment Option:
the greater of accrued interest or $50.
Apply Now!

Auto Loan For NEW Vehicles² 12-36 Months 7.24% $86.65/12 Months
$30.99/36 Months Apply Now!

37-60 Months 7.49% $24.18/48 Months
$20.04/60 Months

61-72Months 8.24% $17.65/72 Months
Auto Loan For USED Vehicles² 12-60 Months 7.99% $20.28/60 Months
Apply Now!

Personal Loans³ 36 Months 14.50% $34.42/36 Months Apply Now!

60 Months 15.00% $23.79/60 Months

Personal Line of Credit³ Revolving Prime + 5.00% (Minimum 10%) Minimum monthly payment is 2% of outstanding balance or $25, whichever is greater. Apply Now!

1A Above Annual Percentage Rates (APRs) on fixed-rate Home Equity Loans already reflect rate discount when payments are automatically deducted from a KNBT Checking Account. APRs are based on loans with up to 80% loan-to-value with a minimum loan amount of $10,000. Other attractive rates available for loans up to 100% loan-to-value. Ask us for details.
1B Above PrimeLine Home Equity Line of Credit Annual Percentage Rate of 4.50%. APR is based on Prime minus 0.50%, as published in The Wall Street Journal as of the last business day of the preceding month. Prime as of 5/1/08 is 5.00% APR. Maximum APR is 18%. Minimum credit line is $75,000. Maximum credit line is $200,000 for Interest Option. Maximum loan-to-value is 80%. Minimum credit score required is 740.
1C Above Home Equity Line of Credit Annual Percentage Rate is based on Prime + 0%, as published in The Wall Street Journal as of the last business day of the preceding month. Prime as of 5/1/08 is 5.00% APR. Maximum APR is 18%. Minimum credit line is $5,000. Maximum credit line is $200,000 for Interest Option. Maximum loan-to-value for single-family residence and 2-4 unit, owner occupied is 80%. Other terms available for lines over 80% loan-to-value.
Rates apply to existing KNBT Home Equity Loans/Lines refinanced with an additional $5,000 in new money. Loans for single-family and 2-4 unit, owner-occupied homes in the KNBT market area with property insurance. Consult tax advisor for deductibility of interest.
2 Above Annual Percentage Rates (APRs) on fixed-rate new or used Auto Loans already reflect rate discount when payments are automatically deducted from a KNBT Checking Account. Minimum loan amount is $1,000. Financing of new autos for 60 months and longer require a $15,000 minimum loan amount. Certain model year restrictions may apply for Used Auto Loans - Max term 60 months for 1-3 year old models; 48 months for 4-5 year old models; 36 months for 6-7 year old models - loan amounts of < $3,500.

3 Minimum Personal Loan amount is $2,500 with a maximum of $10,000. 36-Months – Maximum term for loans of $5,000 or less. 60-Months – Maximum term for loan amounts of $5,000 or more. Rates will vary from 12.50% to 15.00% based on credit score and loan term. Minimum Personal Line of Credit amount is $2,500 with a maximum of $5,000.