Imagine a FREE personal checking account that pays interest, offers numerous beneficial financial services plus considerable savings on travel, retail purchases and restaurants. You've just imagined StarBanking Plus...only from Kearny Federal Savings.

Here are just some of the reasons StarBanking Plus should be your checking account:

	Monthly Interest
	Bumped-up CD rates
	Reduced Rates on Home Equity Loans
	Foreign ATM transaction rebate (up to $10 per month)
	No fee for American Express Gift Cheques
	Discounts on airline tickets, hotels, car rentals, cruises and more.
	All arranged through your personal travel concierge.
	Exclusive Identity Theft Protection - protect your identity and safeguard your finances.

Click here for details on Identity Theft Program

Money saving offers from merchants and restaurants right in your neighborhood.

10% reductions on Gift Cards for national restaurants and retailers including Macy's, Banana Republic, Gap, LL Bean, Old Navy, T.G.I. Friday's, Olive Garden, Applebees and many more.

FREE- Internet Banking and Bill Pay

FREE- Imprinted checks

FREE- Standard size safe deposit box (where available)

FREE- Money Orders (4 per month)

FREE- Wire Transfers (2 per month)

It's easy to qualify- Just have one routine direct deposit to your StarBanking Plus checking account and maintain a combined balance of $20,000 ($10,000 if you're 55 or over) in your StarBanking Plus checking account and any savings vehicle (Passbook/Statement, CD, Money Market, IRA.)

It's so easy to be a Financial Star with StarBanking Plus! Stop in your local office or call 1-800-273-3406 and start enjoying all the benefits.

Fees may apply if account requirements are not met. Bumped-up CD rate does not include promotional CDs. Max of $200,000. Includes 1, 2, 3 and 5 year term. Receive 1/8% rate reduction on Home Equity Loans with automatic withdrawal from a KFS StarBanking Plus Checking account and combined balance of $50,000.