Community Development Banking Balancing Mission and Margin

Corporate Commitment –Seeking Revenue –Responsible Community Investment CRA, Community, Client Understanding the Segment (LMI) –Research –Client Demands –Client Treatments –Test and Learn Building a Strategy –Client Centered Products –Culturally Relevant (Respect) –Informed Distribution and Marketing –Relationship Focused –Partnerships

Balancing Mission and Margin Key Basic Solutions Package –KeyBank Plus in branch checkcashing –Financial Education program In-branch Financial Education Center(s) Community-based education Web-based training Additional Products and Services –Checkless checking account –Free checking –Savings product –Small line of credit (CRC) –Remittance product –Money orders –Loan assist Other Planned Services –Automated utility bill payment –Check cashing ATM

Balancing Mission and Margin Sponsorships with Community and Government Partners –Ohio IDA Program –EITC Selected Results –KeyBank Plus Check Cashing 200 Branches –Cleveland, Akron, Albany, Denver, Syracuse, Portland, OR 17,000 clients 37 million in checks cashed

Financial Education Program –5,000 participants since 2004 –Committed to reduce debt $797,932 –Alleviated disputed debt $160,445 –300 New accounts opened EITC –Approximately 300 bank volunteers in 14 cities –1,235 Returns completed –$2,75 million in refunds Loan Assist –639 loans for $1.2 million Balancing Mission and Margin

Thank You!