In an effort to provide you with additional services and investment opportunities, Key Community Bank has developed a working relationship with the Minneapolis-based investment firm of Feltl and Company. Feltl and Company now maintains a branch office in our bank. Paul Cochran is the Feltl and Company Advisor who will be available to handle your investment needs during normal business hours. Paul has over 11 years experience in the investment brokerage industry.

Feltl and Company offers a full array of investment products including stocks, bonds, mutual funds, insurance products and annuities. In addition to standard non-retirement accounts, Feltl and Company also offers Roth IRAs, Traditional IRAs, SEP IRAs, Simple IRAs and 401K Plan administration. If you would like to discuss any of these products and services further, please call Paul Cochran at (612) 492-8874

Before you do so, however, there are a few points you must understand about investing in securities offered through Feltl and Company, or any other brokerage firm for that matter.

* Key Community Bank ("the bank") will not play any role in the selection or approval of any particular investment you may choose to make, nor will the Bank be responsible for monitoring any of your investments on an ongoing basis. Feltl and Company is solely responsible for all aspects of the investment services it provides.

* Monies invested in securities are not considered to be deposits or obligations of the Bank, they are not guaranteed by the Bank, nor are they insured by the Federal Deposit Insurance Corporation ("FDIC"), or any other depository insurance.

* Monies invested in securities are subject to investment risks, including the risk that the entire investment may be lost. Feltl and Company does not and legally cannot guarantee that your principal investment will not lose value.

We are very excited to provide you with these investment products and services and hope you will take advantage of them.

Member NASD/SIPC