THE CORPORATE LIBRARY

Related Party Transactions and Outside Related Director Information

(KRNY)

9/30/2005 Proxy Information

No directors, officers or their immediate family members were engaged in transactions with the Company or any subsidiary involving more than $60,000 (other than through loans with the Bank) during the years ended June 30, 2005 and 2004.

The Bank makes loans to its officers, directors and employees in the ordinary course of business. Such loans are on substantially the same terms and conditions as those of comparable transactions prevailing at the time with other persons. Such loans do not include more than the normal risk of collectability or present other unfavorable features.