TrustBank™ Expands its Insurance Services with Financial Keyosk

Olney, IL, December 16, 2004 – TrustBank (www.trustbank.net), an Illinois state bank, announced today that it will join forces with Financial Keyosk (www.financialkeyosk.com), a wholly owned subsidiary of Newtek Business Services, Inc. (NASDAQ: NKBS), to expand its line of insurance products. TrustBank, a progressive bank with three branches, over five thousand customers and assets totaling $134 million, began offering Crop Insurance to its customers in 2000. Through Financial Keyosk, TrustBank now offers a full compliment of personal and commercial insurance products for its customers.

“TrustBank’s goal is to be the top provider of financial services in Southeastern Illinois,” stated Bruce Runyon, CEO of TrustBank. “To achieve this goal we will provide our customers with the best financial products and services to simplify their already busy lives.” Insurance is an ideal fit for banks. “We help our customers acquire assets. We should also assist them in protecting those assets. We have been looking for an insurance solution for four years and are pleased with our new Financial Keyosk insurance relationship.”

“Keyosk continues to attract progressive community banks interested in selling insurance,” stated John Dawson, CEO of Financial Keyosk. Keyosk enables banks to utilize their own agents to focus on their customers, while turning over the insurance transactional processes to outsourced service centers. Keyosk is allowing many banks to provide insurance to their customers where in the past their only options were to buy an agency, build a de novo (start-up) agency, or partner with a local agent. Keyosk’s turnkey solution offers 40 plus carrier appointments, insurance accounting and backroom servicing with licensed agents located in call centers in Illinois, Colorado and Louisiana. “The bank agents sell and we do the rest,” stated Dawson.

About TrustBank
TrustBank was formed on September 13, 1912, and was originally called Olney Trust & Banking Company. TrustBank is a wholly owned subsidiary of Rich Land Bancorp, Inc., a one-bank holding company headquartered in Olney, Illinois. TrustBank operates three branches located in Olney and Cisne, Illinois. As of November 30, 2004, assets were $133.8 million, with capital of $15.2 million.
TrustBank believes in providing superior customer service, and it targets three areas of the market: businesses, professionals, and those individuals who want a higher level of service. The TrustBank motto is, “the only bank you’ll ever need.” With the addition of a full line of quality insurance products, TrustBank is once again expanding to serve all of its customers’ financial needs. TrustBank’s premier products now include Banking, Investments, and Insurance.

About Financial Keyosk
Financial Keyosk, a wholly owned subsidiary of Newtek Business Services, Inc. (NASDAQ: NKBS) (www.newtekbusinessservices.com), is an alternative insurance distributor helping financial institutions and agents establish or expand insurance operations. Financial institutions using the Keyosk system sell insurance through a combination of employee referrals, Internet applications, and onsite agents, without having to operate an insurance backroom. Keyosk’s proprietary, web-based “Agency in a Box” technology gives financial institutions a turnkey agency environment with licenses in all states except Hawaii. Keyosk sells for 40 insurance carriers including CNA, Foremost, Fortis, The Hartford, Hanover, Principal Financial, Progressive, SAFECO, UNICARE, St. Paul Traveler, United Healthcare and Zurich North America.

For more information, interested persons may call TrustBank at 1-800-766-3451 or visit its website at www.trustbank.net and click on the insurance link.