KeyBank

Key Consumer Banking

Through 26 geographic districts across the United States, our community-focused retail bank serves consumers with products and services

• The first to operate as a single, nationwide retail bank, KeyBank National Association offers a wide array of financial solutions to meet clients needs
• Rated "Outstanding" in the past five consecutive exams by the Office of the Comptroller of the Currency for compliance with the Community Reinvestment Act (CRA)
• Tenth largest home equity lender
• Seventh largest education lender

Key Corporate and Investment Banking

Provides specialized financing to meet the needs of a broad range of businesses, with specialized products and teams of experts dedicated to specific client segments.

• KeyBank Real Estate Capital® provides construction loans, interim loans, equity, as well as long-term commercial mortgages nationwide for virtually all property types. Our 450 professionals finance nearly $6 billion of commercial real estate annually through 25 offices in major U.S. markets.
• As one of the nation's largest bank-affiliated equipment leasing organizations, Key Equipment Finance® manages an equipment portfolio of approximately $12.6 billion. Whether you own a small business or a corporate conglomerate, we provide customized financing solutions for your capital equipment acquisitions.
• Key continues to lead the way for small business owners with a powerful combination of products and value-added services, ranging from retirement benefits, to equipment purchasing and leasing, to cash management and investments. Small businesses can apply for loans and leases around the clock by calling 888-KEY4BIZ®, visiting a branch, or visiting www.Key.com/smallbiz.
• Key's Global Treasury Management Group pairs experienced cash management and international partners with the resources, state-of-art technology and wide array of products and services you need to maintain close control of your company's cash functions.
• Chosen by the United States Postal Service to provide depository/cash management services in all or part of 14 states, including several outside of Key's traditional market areas. Key now processes more than $6.7 billion in transactions for the USPS annually.

Investment Management Services

Provides asset management, investment banking, capital markets, insurance, financial planning and brokerage expertise to clients that allow them to adapt to and benefit from today's fast-moving financial markets.

• Victory Capital Management®, Inc. is an established investment management firm with a distinguished heritage. Victory manages investment portfolios, including the Victory family of mutual funds. Headquartered in Cleveland, with operating divisions in New York City and Cincinnati, Victory serves clients in almost every U.S. state and many foreign countries.
• Our KeyBanc Capital Markets team of professionals create differentiated, idea-based solutions that deliver value for our middle market corporate, institutional investor and financial institution clients. Helping our long-term clients lead in an ever-changing marketplace, we are an integrated source of capital-raising, strategic insights and customized financial solutions.

Technology

Key's technology is at the forefront of financial services. Our technology delivers banking services to all Key clients through our linked network of branches, ATMs, Telephones and PCs.

• The first nationwide bank to link branch, ATM, telephone, and PC/Internet transactions for instantaneous account information
• Key averages approximately 14.5 million electronic transactions per month (through ATM, telephone, and PC/Internet channels)
• Key received more than 7 million customer calls last year, and has dedicated teams to answer your questions 24 hours a day, 7 days a week, and 365 days a year, including specialized teams in such areas as corporate banking, retail banking, and online banking