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FEDERAL RESERVE BANK OF MEW YORK July 15, 1987 To A ll Banking Institutions in the Second Federal Reserve District: The Com ptroller o f the C urrency has advised us th at a certificate o f authority to com m ence business has been issued to Ke y B ank U S A N ational A ssociation , Albany, New Y ork. This newly organized bank was established and opened fo r business today. By virtue o f its being a national bank, it has becom e a m em ber o f the Federal Reserve System. The capital o f the bank is $ 1 ,0 0 0 ,0 0 0 , and its surplus is $ 2 ,0 0 0 ,0 0 0 . Officers o f the bank are: D eborah L . B evier President and Chief Executive Officer R aymond C . Stevens Vice President and Cashier C a ro le E . G riffin Vice President The routing number o f the bank is 1 11Q encoded 0213-1119, check digit 2. E . G erald C orrigan , President.