*Starting June 1, 2006, get a free iPod shuffle when you open a free Student Checking account with a debit card, apply and are approved for a no annual fee student credit card and enroll in free online statements. Offer available to individuals without an existing checking account at KeyBank. Free iPod shuffle offer valid until October 31, 2006 or while supplies last. All package requirements must be met by October 31, 2006. The value of the iPod shuffle will be reported on Form 1099-MISC.

**Key Student Checking clients under the age of 18 can be issued an ATM card. Limit one free iPod shuffle per individual. However, a debit card will only be issued to clients 18 years and older. Clients under the age of 18 are required to have a parent/guardian as joint owner on the account, and both account owners must sign a Student Supplemental Agreement. If you close your account within 180 days of account opening, you will be charged a $25 account early closure fee. Minimum opening deposit of $50. Clients must be either a high school junior or senior or enrolled in post-high school education [college or trade] to open this account. Other miscellaneous charges may apply.

***Refund of the first 2 ATM surcharges, up to $6 per month, of other bank's ATM cash withdrawals surcharges when the withdrawals are made with a KeyBank debit card.

¹Credit cards are issued by Citibank [South Dakota] N.A. Subject to credit approval. Additional terms and conditions apply.

²The rebate is calculated as 1% of your net monthly purchases. You may accumulate a maximum of $100 per billing cycle and $300 in any calendar year, payable in $100 checks. Please see the Rebate Terms and Conditions when you apply.

**** Normal account service charges still apply.