0 N r n ,~ :~ ~' 1 1~~~ '~~l ~ ~re''~i ~ ~ ~ ~- 1~..~~ '4.. ~ ~!" ~ ',- ~~ / ~ ~~ 1 ~o0 7aY ~ 1 t. l ~ y , ~~ ~ _ ~..~ . = ~►' i ~ ~.., ` ~ ` ~ ~ ~~ ~ ~ `, r '~l , 1 !~, v ~' \ ~~ ,~ `_ ~~ '.A 1 / ~ .._ ~ FI f S~ Keysto n e Corporation FINANCIAL HIGHLIGHTS (Dollars in thousands, except per share data) 2017 2016 2015 2014 2013 SUMMARY OF OPERATIONS Interest income Interest expense Net interest income Provision for loan losses Net investment securities gains Net income PER COMMON SHARE DATA Net income Dividends BALANCE SHEET DATA Total assets Total investment securities Net loans Total deposits Total stockholders' equity PERFORMANCE RATIOS Return on average assets Return on average equity Dividend payout Average equity to average assets $32,268 6,548 25,720 267 938 8,648 $31,643 5,282 26,361 2,083 1,764 9,472 $ 31,711 4,966 26,745 2,277 2,131 9,172 $ 31,019 4,452 26,567 433 2,756 10,211 $ 30,961 4,954 26,007 1,372 2,900 10,273 $ 1.52 1.08 $ 1.68 1.08 $ 1.64 1.08 $ 1.84 1.05 $ 1.87 1.04 $990,121 350,218 551,910 778,146 116,719 $984,283 379,641 515,025 725,982 109,685 $983,489 385,267 509,871 720,598 108,438 $912,353 348,722 481,071 661,562 106,271 $901,514 354,770 439,999 690,075 96,351 0.86% 7.54% 71.05% 11.45% 0.96% 8.23% 64.30% 11.68% 0.96% 8.43% 65.79% 11.40% 1.13% 9.90°/a 56.95% 11.45% 1.23% 10.12% 55.64% 12.10% 2017 DEPOSITS # OF NEW CORE ACCOUNTS NEW CORE DEPOSITS 2016 3,907 2017 4,032 $21.746 $40,128 LOAN BREAKDOWN DEPOSIT BREAKDOWN n COMMERCIAL n MORTGAGES n HOME EQUITY n CONSUMER &OTHER CORE DEPOSITS (Checking, Savings &Money Markets) TIME DEPOSITS (Certificates of Deposits) 73% 27% S zot~ ~ Dollars in thousands INCOME STATEMENT IN GRAPHIC FORM OTHER INCOME $6,~7~ 16% How we used our $38,439 in income: PROVISIONS FOR LOAN LOSSES $267 ~ j " ~o COMPONENTS OF OTHER INCOME OTHER NON-INTEREST INCOME ITEMS SERVICE CHARGES &FEES TRUST DEPARTMENTINCOME ATM FEES &DEBIT CARD INCOME Zo,~ $1,803 $880 2016 $1,786 $840 $1,304 $x,396 Dollars in thousands TO OUR SHAREHOLDERS Community Is In Our Name At First Keystone Community Bank, we are dedicated to supporting healthy local communities. The center pages of this year's Annual Report to Shareho/ders outlines the many ways in whicl-i we support the communities where we live, work, and play. We contribute dollars, but more importantly, we contribute our time and our energy, Whether educating schoo/ students, assisting military veterans, raising funds for the YMCA, he/ping /oca/ economic development agencies or donating to the many charitable organizations in our community, our goal is to improve the health and prosperity of the communities we serve. Our aim is to be: First Keystone Community Bank .............the bank for your community. Financial Highlights During the fiscal year ended December 31, 2017, First Keystone Corporation had net income of $8,648,000 compared to income of $9,472,000 for the same period in 2016. Net income in 2017 was impacted negatively by a compressed net interest margin, fewer net gains realized on sales of investment securities, and higher non-interest expense. A lower provision for loan losses and a lower average tax rate affected net income positively. Net income per share was $1.52 for 2017, while dividends per share were $1.08. Interest income for 2017 was $32,268,000 as compared to $31,643,000 in 2016, a 2.0% increase. Interest income rose as a result of higher average balances in loans and higher yields on the investment portfolio. At year-end, total loans were $559,397,000, an increase of $37,015,000 or 7.1%. Loan growth was centered in commercial real estate and commercial and industrial loans, while residential mortgage loans declined slightly. We will continue to place emphasis on loan growth in 2018 as a primary driver of net interest income. We have plans to open a loan production office in downtown Bethlehem, in the Lehigh Valley, as a way to develop additional lending opportunities. We expect the lending office to open during the second quarter of 2018. Interest expense grew considerably in 2017 as compared to 2016. Interest expense related to deposits and short-term borrowings increased as a result of the three increases in short-term interest rates by the Federal Reserve Bank during 2017. At year-end 2017, total deposits stood at $778,146,000. That is a 7.2% increase, or $52,164,000, as compared to year-end 2016. Non-interest bearing deposits grew by $11,101,000 or 10.1%. In order to reduce our dependence on short-term borrowings and municipal deposits, both of which are sensitive to rising interest rates, our focus will be to continue the growth of core deposits in 2018. First Keystone added $267,000 to the allowance for loan losses in 2017. During the year, total charge- offs were $333,000, or 0.06% of average loans. Recoveries totaled $196,000, putting net charge-offs at $137,000 for the year. This is a strong performance indicator of the strength of the bank's asset quality in the loan portfolio. While non-performing assets increased during 2017, total impaired loans were lower. A strong credit culture has and will remain the clear objective of our underwriting process, even as we seek to grow the loan portfolio in 2018. Non-interest income, excluding net investment securities gains and gains from life insurance proceeds, a non-GAAP measure, was $5,233,000 in 2017. This compares favorably to the $5,165,000 in 2016. Trust department income, service charges and fees and ATM and debit card income all were higher. Income on bank owned life insurance and gains on sales of residential mortgages fell. We have several initiatives underway to grow non-interest income in 2018, principally the addition of residential mortgage lending sales personnel which is designed to grow both secondary-market mortgage and portfolio mortgage lending. Non-interest expense increased by 5.8%, or $1,173,000, in 2017 as compared to 2016. Higher salaries and employee benefits were primarily the result of the addition of sales positions in commercial and residential lending, as well as a 19.4% increase in medical insurance for employees. Advertising and professional fees were also higher in 2017. Income tax expense was lower in 2017 as compared to 2016. During 2017 the corporation recorded $1,455,000 in income tax expense. The effective tax rate for the year was 14.4% as compared to 16.3% in 2016. Income tax expense was lower due to an increase intax-exempt income from municipal investments in the securities portfolio and an increase in tax credits from investments in low-income housing partnerships. The Tax Cuts and Jobs Act of 2017 reduces the company's tax rate from 34% to 21%effective January 1, 2018. We expect the effective tax rate of the bank to be lower in 2018 as compared to 2017. At year-end 2017, total assets increased only slightly as compared to year-end 2016. Total assets were $990,121,000 at December 31, 2017. While loans increased, as noted above, investment securities were lower at the end of 2017, due to planned reductions in anticipation of loan growth in 2018. As a result of the increase in deposits at December 31, 2017 as compared to 2016, short-term borrowings were significantly lower. In addition, during 2017 the bank retired $10,000,000 in long-term borrowings. As a result of increases in retained earnings, common stock and surplus, total stockholder's equity grew by $7,034,000, an increase of 6.4%. During 2017, we paid a dividend of $1.08 per share, the same as in 2016. Based upon the closing share price on December 31, 2017 of $28.25, this produced a dividend yield of 3.8%.One hundred dollars invested in the Corporation's stock on December 31, 2007, with dividends reinvested, would have been worth $283.42 as of December 31, 2017. The primary role of First Keystone Corporation is to provide a consistent and fair return to you, its owners. By providing exceptional value to our customers we can ensure that fair return to our shareholders. By supporting our employees, they deliver our products and services in a way that provides value. And, by giving back, to strengthen and grow our communities, we get an excellent return on our investment. u/ Matthew P. Prosseda President &Chief Executive Officer FIRST KEYSTONE PUTS COMMUNITY IN BANK Partnering with our customers and prioritizing their needs is one of the foundations of First Keystone Community Bank's overall business philosophy. You could say it is one of our keystones. When the word `community' was added to our title in 2010, it emphasized our focus on providing traditional banking services and financial solutions in our local communities and neighborhoods. "Community banks are important to the economies of the places we serve," said President and CEO Matthew P. Prosseda. "Our competitive advantage that sets us apart is that we are connected to the local people and understand the needs of the community. We think of them as our partners." ' . .,..:. ~W .._ ~.. . _; :6. =+ r ~~ ~ 'rte o_ ~__ ,.. .. ~Y ..~ M ~— At First Keystone, community means more than sharing a zip code. This is evidenced by the wide variety of groups and organizations that have benefited from collaborating with First Keystone, such as the McBride Memorial and Hoyt Libraries; Berwick, Bloomsburg and Stroudsburg YMCAs; Central Susquehanna Community Foundation and the Women's Giving Circle; Pocono Services for Families and Children; Berwick Industrial Development Association (BIDA); Columbia Montour Chamber of Commerce; Columbia Alliance for Economic Growth, and the Children's Service Center of Wyoming County. The Bank also assembled a large "Relay for Life" team, participated in the "Walk to Defeat ALS," and supported the "Warrior of the C~uarter" program at the Tobyhanna Army Depot, which honors military veterans from all over Northeastern Pennsylvania. From local community groups like fire companies, food pantries, animal shelters and little league teams, to more widely known entities such as United Way and Salvation Army, First Keystone is first in line to lend a helping hand. Another major element of First Keystone's dedication to its community partnerships centers on education and fostering the next generation of business and community leaders. Members of the Bank's staff visited local high schools throughout the 2017 school year to teach students about banking, touching on topics such as checking and savings accounts, credit and debit cards, and managing debt. This initiative reached over 1,500 students. In addition to supporting Junior Achievement of Northeastern PA, the Danville Child Development Center, and the "Newspapers in Education Program," First Keystone annually sponsors four students to attend Pennsylvania Free Enterprise Week (PFEW), a residential summer camp that teaches high school juniors and seniors to understand and celebrate private enterprise and gets them excited about business, entrepreneurship, and career opportunities in Pennsylvania. In the spring of 2017, First Keystone's executive staff spent many hours helping Bloomsburg University's team in the nationwide "Community Bank Case Study Competition," facilitated by the Conference of State Bank Supervisors. The competition, which was open to undergraduate students in all fields of study, was an opportunity for students to gain valuable first-hand knowledge of the banking industry, as well as the opportunities and challenges facing community banks in the 21st century. Bloomsburg University was one of five finalists among the 33 institutions that participated. is _;, cant .~~~~ i y pport worth causes FKCB employees also su themselves. For example, "Denim Day" is held one Friday per month, with the proceeds donated to various local programs. In addition to monetary donations, contributions also come from the dedication of time and service by our employees, totaling more than 2,100 hours donated in 2017, with one FKCB employee alone volunteering more than 200 hours. ~~`~ ,:. ErT~ ~,~jM~ F,veTi-~ouso.-. t,,. k:~w; "Since we obtain most of our core deposits locally and make the majority of our loans to local individuals and businesses, taking care of the community in the places we live, work and play is very important to all of us at First Keystone Community Bank," Prosseda said. True to our mission — "Yesterday's traditions. Tomorrow's vision." —First Keystone Community Bank is a leader in providing products and services that stress convenience and flexibility, such as bill payment, mobile banking, remote deposit capture, online account opening, and our Keystone Rewards suite of accounts featuring high-yield checking and savings accounts. Experience, stability, and our team of professional bankers makes all the difference. By working together, our mission and our passion is to help our customers reach their financial goals with a wide range of personal and business banking solutions and expertise. We firmly believe that doing business this way is essential for mutual success. "OUR AIM IS TO BE: FIRST KEYSTONE COMMUNITY BANK .... THE BANK FOR YOUR COMMUNITY." (First \Ke stone COMMUNITY BANK FIRST KEYSTONE CORPORATION BOARD OF DIRECTORS DR. JOSEPH B. CONAHAN, JR. ROBERT E. BULL Ophthalmologist Retired Attorney Bull &Bull LLP DAVID R. SARACINO MATTHEW P. PROSSEDA Retired Vice President &CFO President &CEO First Keystone Community Bank First Keystone Community Bank JOHN ARNDT JOHN G. GERLACH Owner Retired President Arndt Insurance Agency First Keystone Community Bank, Pocono Division NANCY J. MARR DON E. BOWER Owner/President President Marr Development Companies Don E. Bower, Inc. ROBERT A. BULL JEROME F. FABIAN Chairman Owner/President Attorney Tile Distributors of America, Inc. Bull &Bull LLP ROBERT A. BULL Chairman OFFICERS JOHN ARNDT Vice Chairman MATTHEW P. PROSSEDA President &Chief Executive Officer DIANE C.A. ROSLER Chief Financial Officer DAVID R. SARACINO Secretary CHERYL L. WYNINGS ELAINE A. WOODLAND Assistant Secretary Treasurer FIRST KEYSTONE COMMUNITY BANK OFFICERS* ROBERT A. BULL Chairman of the Board DAVID R. SARACINO Secretary JOHN ARNDT Vice Chairman MATTHEW P. PROSSEDA President Chief Executive Officer DIANE C.A. ROSLER Senior Vice President Chief Financial Officer &Cashier JEFFREY T. WOZNIAK Senior Vice President Senior IT Manager & Information Security Officer VICE PRESIDENT JODI L. ALLEY Loan Operations Manager LESA A. ANGELL Retail Banking &Sales Manager STACIA L. ARNAUD Commercial Services Officer ANTHONY P. CARTIGLIA Commercial Services Officer CARMELITA A. CLEAVER Retail Operations Officer EDGAR A. GOWER, JR. Commercial Services Officer BRENDA L. GRASLEY Consumer Loan Manager TINA M. GRAY Community Office Manager LEE A. HESS Loan Workout Officer/ Security Officer JUNE GEORGE Consumer Loan Underwriter/ Processor DONNA J. KEEPER Training/Systems Support Manager KEVIN KRIEGER Compliance Officer JONATHAN LITTLEWOOD Commercial Services Officer MARISOL LOPEZ Regional Branch Administrator EUGENE W. MORRISON Commercial Services Officer MICHAEL REIS Commerical Services Officer LEIGHTON B. WALSH Mortgage Services Manager LINDA K. YERGES Human Resource Manager COLUMBIA-MONTOUR Michael E. Boone Adam Bowman Walter Deacon Dan W. Hartman Michael H. Kuziak EXECUTIVE MANAGEMENT ELAINE A. WOODLAND Executive Vice President Chief Operating Officer Treasurer BARBARA J. ROBBINS Senior Vice President Deposit Operations Manager J. RICHARD PRICE Senior Vice President Director of Wealth Management VICE PRESIDENT ROBERT A. YOUNG Loan Review Officer ASSISTANT VICE PRESIDENT LAUREN DUANE Business Deposit Specialist ELIZABETH GOLL Assistant Community Office Manager LAURIE GRADY Community Office Manager REBECCA A. HOOPER Trust Officer KATHLEEN M. JARSKI Community Office Manager BRIAN M. KLINEFELTER Credit Department Manager LINDA M. MESHINSKI Regional Branch Administrator KIM R. MURREN Community Office Manager MARY E. PASCUCCI Training Director FRANCES I. SEWARD Community Office Manager KIMBERLY S. SHINER Community Office Manager SHERRI A. SITLER Deposit Review Officer NATALIE J. STACKHOUSE Accounting Manager CHERYL L. WYNINGS Executive Administrative Assistant/ Assistant Secretary CHRISTOPHER ZLOBIK Assistant IT Manager ADVISORY BOARDS WYOMING VALLEY Timothy Connolly Daniel Fierman Michael Jezewski Steven Phillips Edward H. Poggi, III James V. Reino, Jr. MATTHEW W. MENSINGER Senior Vice President Director of Lending MARK J.MCDONALD Senior Vice President Chief Credit Officer ASSISTANT CASHIER SANDRA L. COLE Community Office Manager JOHN DOUGHERTY Community Office Manager JILLIAN GUENTHER Fraud Analyst &BSA Officer HERBERT HARMON, JR. Facilities Manager LILIANA HENRICKSON Community Office Manager JASON P. HOLLOWAY Commercial Services Officer AMANDA JARSKI Credit Analyst RACHEL JENNINGS Post-Closing Document Specialist STACY GORDNER Accounting Department Analyst STEVEN M. KOTCH Collector MICHELLE E. KOZAK Marketing Manager MARTIN B. LEANDRI Financial Consultant ANGELA MACKERT Community Office Manager KRISTI A. MCCLINTOCK Commercial Loan Document Specialist ASHLEY MILLOWAY Mortgage Loan Consultant BONNIE NEVEL Trainer LAURIE NUDO Community Office Manager KIMBERLY A. VOLKEL Community Office Manager 'Officers as of December 31, 2017 POCONO COMMUNITY Richard W. Berkowitz Richard L. Price, Jr. William E. Rinehart Joel D. Rossi Jacob E. Seip, Jr. CORPORATE INFORMATION THE CORPORATION DIRECT DEPOSIT First Keystone Corporation is a bank holding company incorporated under the Pennsylvania Business Corporation Laws. Its assets consist primarily of the assets of its wholly-owned subsidiary, First Keystone Community Bank. First Keystone Community Bank serves Columbia, Montour, Luzerne, and Monroe Counties. The Bank engages in general banking business and also provides fiduciary services. CORPORATE HEADQUARTERS First Keystone Corporation 111 West Front Street Berwick, Pennsylvania 18603 Telephone: 570-752-3671 Fax: 570-752-4022 NOTICE OF ANNUAL MEETING The 2018 Annual Meeting of Shareholders will be held at 10:00 a.m., Eastern Daylight Time, on Thursday, May 10, 2018 at: McBride Memorial Library, Community Room 500 Market Street Berwick, Pennsylvania 18603 ANNUAL REPORT ON FORM 10-K The Annual Report on Form 10-K as filed with the Securities and Exchange Commission may be obtained, without charge, by writing to: Cheryl Wynings Investor Relations P.O. Box 289 Berwick, PA 18603 Telephone: 1-888-759-2266, extension 1175 Locally: 570-752-3671, extension 1175 TRANSFER AGENT AND REGISTRAR To change or transfer registration of your stock, report a lost certificate, or other related inquiries, please contact our transfer agent at: Computershare Regular Mail: P.O. Box 505000 Louisville, KY 40233-5000 United States Telephone: 1-800-368-5948 Website: computershare.com/investor Overnight Delivery: 462 South 4th Street, Suite 1600 Louisville, KY 40202 United States Shareholders may have their cash dividends deposited directly into the account of their choice at any banking institution, with no charge. Additional information and enrollment materials for direct deposit can be obtained by calling 1-800-368-5948. DIVIDEND REINVESTMENT The Plan, open to residents of Pennsylvania, provides the opportunity to have dividends automatically reinvested into First Keystone Corporation stock. Participants in the Plan may also elect to make cash contributions to purchase additional shares of common stock. For information regarding the Plan, contact the Plan Administrator at: Computershare P.O. Box 505000 Louisville, KY 40233-5000 Telephone: 1-800-368-5948 INVESTOR INFORMATION Information regarding First Keystone Corporation is available online at www. firstkeystonecorporation.com. The website also includes additional information of interest to shareholders such as: historical stock prices, dividend declarations, press releases and governance documents. Requests for information or assistance regarding the corporation should be directed to Shareholder Relations at 1-888-759-2266, extension 1175 Locally: 570-752-3671, extension 1175 STOCK LISTING First Keystone Corporation common stock is traded on OTC Pink under the symbol "FKYS". STOCK PURCHASE INQUIRIES The following brokerage firms make a market in First Keystone Corporation common stock: RBC Dain Rauscher, 800-223-4207 Janney Montgomery Scott LLC, 800-526-6397 Stifel Nicholaus & Co. Inc., 800-679-5446 Boenning &Scattergood, Inc., 800-883-1212 INDEPENDENT PUBLIC ACCOUNTANTS Baker Tilly Virchow Krause, LLP 1000 Commerce Park Drive, Suite 430 Williamsport, PA 17701 United States Telephone: 570-323-6023 OFFICE LOCATIONS ,; LUZERNE ~a~~as Kingston Plymouthl:~. COLUMBIA Hanover`Mountain Top 1:Shickshinny MO TOUR ~ MifflinvillE ~c Ir. ~1CY.N ~ Bloomsburg ~ Danville `~1 K MONROE Mountainhomel: ~+~+ 1:Swiftwater Stroudsburg 1:~ i Brodheadsville 1: FIRST KEYSTONE COMMUNITY BANK MAIN OFFICE 111 West Front Street Berwick, PA 18603 570-752-3671 BRIAR CREEK OFFICE 50 Briar Creek Plaza Berwick, PA 18603 570-802-0541 SCOTT TOWNSHIP OFFICE 2301 Columbia Boulevard Bloomsburg, PA 17815 570-784-0354 KINGSTON OFFICE 299 Wyoming Avenue Kingston, PA 18704 570-718-1110 DALLAS OFFICE 2325 Memorial Highway Dallas, PA 18612 570-674-1030 SALEM TOWNSHIP OFFICE 400 Fowler Avenue Berwick, PA 18603 570-759-2628 FREAS AVENUE OFFICE 701 Freas Avenue Berwick, PA 18603 570-752-1244 NESCOPECK OFFICE 437 West Third Street Nescopeck, PA 18635 570-759-2767 DANVILLE OFFICE 1049 Bloom Road Danville, PA 17821 570-275-8000 MIFFLINVILLE OFFICE 133 West Third Street Mifflinville, PA 18631 570-752-5750 HANOVER TOWNSHIP OFFICE 1540 Sans Souci Highway Hanover Township, PA 18706 570-825-7352 MOUNTAIN TOP OFFICE 18 North Mountain Boulevard Mountain Top, PA 18707 570-715-0720 PLYMOUTH OFFICE 463 West Main Street Plymouth, PA 18651 570-719-1400 SHICKSHINNY OFFICE 107 South Main Street Shickshinny, PA 18655 570-542-6060 STROUDSBURG OFFICE 559 Main Street Stroudsburg, PA 18360 570-424-9700 MOUNTAINHOME OFFICE 1154 Route 390 Cresco, PA 18326 570-595-9700 SWIFTWATER OFFICE 2070 Route 611 Swiftwater, PA 18370 570-839-7880 BRODHEADSVILLE OFFICE 2022 Route 209 Brodheadsville, PA 18322 570-402-2008 U~~ ~~~~ ~ ~~~ big brothers ,,~vtMENT OF NEPA eig sisters .~~, family aid Children ~IOND UN ITS D UU VIOLENCE - ~~n~~o~ o ~ ~ ~r 1~ ~." ..~rion ~ig brothers G~ Bi Sisters ~, ~~; ~~QQ ~ Central Co um is School District CE1JtR~~ Su~u~ktA~l~ ~f oM~1'S ' ULLIYI~I~ FollnD~Tiot~ For The Cause KITED I1~ Society Relay for Life JUNOR ~~fi~~ ~~o~. Sc,h~~, ~iS-kri~-~ ~rrzA~ Su~uE~~ ~o~N'S Poco~vo Mouu~lu SCNOOC DfStQICT ~otaryClubof i-he P ~~ I.~~ ~~ ~~ ~~ I,I'~ ~7) I ~~ I,I ~ v ~~CT C~~~E ~~ ,~ ~ ~ ~ ltil i~~ Bloomsbur Americau~ Cau~cer SfroBdsburg roc ~rsrQrcT ~~.r~~~~~ ~rz.a, Sc,h~~, ~s~r~c,-~ Hoy ct ~ocauo ~to~ur~~~ SaI1DY ROLLIYI~il , JUN OR ACH ELEMENT OF NEPA Stuart Tan KITED WAY~- ~ ~1CeR F'O~I1D~~TI~~1 Central Columbia School District '~SSOCIat.1011 ary Club of the Pocono Mountains ~ `T' ~'~:~ ~,,~~ SuS~~.~ 'The Cause __ aND~'~~~~ ~~~h~~~~~~Noyt library Kingston .;_~ _ — - ~~~o o Services forFamil a 4Childre ~J~`n~C~n~ n o ~(~~ a ~~~~~~ ~ Sus~uE~~ G~1a~'S POCa~i~r l~'V~iii~l7i~iN 5~~dc9~. W57i~ICf ~~~ Sherman Theater Stroudsburg ~~ ~ onlin~;~ Valley %art League ° ° ~~° °~- ,. ~~ ~ ()m Naoc. DrsrRicr s~r~~Y ~oLLr~an Y cancer ~o~nDa~~o~ o Mountains ,~,,~: - `~ ~OCOI~D ~CI~VICeS ~Ol' ~'" ~ Hoyt ~ihYr JUN OR RCH EVEMF~'T Central ~~' IFirst \Ke stone COMMUNITY BANK 888-759-2266 I www.fkc.bank