First Keystone Bank

Stockholder Information

Transfer Agent	Registrar and Transfer Company is the transfer agent and registrar for First Keystone Financial, Inc. and maintains shareholder records for the company. Please contact Registrar and Transfer at: Registrar and Transfer Company 10 Commerce Drive Cranford, NJ 07016 - 3572 (800) 368-5948 info@rtco.com Your account may be managed online via Investor Relations at www.rtco.com, a cost-free tool for shareholders, where you will be able to view your account details, update your account information and process various transactions.
Independent Auditors	S.R. Snodgrass, A.C. 2100 Corporate Drive Suite 400 Wexford, PA 15090-7647
Investor Information	Hugh Garchinsky CEO and President (610) 565-6210
Shareholder Information	Carol Walsh Corporate Secretary (610) 565-6210
Special Counsel	Elias, Matz, Tiernan & Herrick L.L.P Twelfth Floor 734 15th Street, N.W. Washington, DC 20005
Counsel	Lawrence G. Strohm, Jr., Esquire Jones, Strohm, & Guthrie 10 Beatty Rd. Media, PA 19063
Charters/Code of Conducts	Audit Committee Charter Charter of Nominating Committee of the Board of Directors Compensation Committee Charter Code of Conduct and Ethics