Cardmember Agreement 

Here is your new Cardmember Agreement (the "Agreement"). It is the contract between you and us 
regarding your credit card account (the "Account"). This Agreement is being sent to you and each 
Authorized User so that each of you is aware of the terms that apply to the use of the Account and Cards. 
This Agreement is effective as soon as you, or any of your Authorized Users, activate a Card or use the 
Account. It also applies if you have not closed your Account within 30 days after we issue the Card(s). 
Definitions: 
We have provided a glossary containing definitions of the terms used in this Agreement. Our definitions 
rely heavily on, but deviate slightly from, the definitions used by the Consumer Financial Protection 
Bureau ("CFPB") in connection with its December 2011 prototype credit card agreement. 
Rates and Fees Table: 
This Agreement references a separate document entitled "Rates and Fees Table" that explains the 
different APR's and fees that apply to your Account. Such Rates and Fees Table is made a part of this 
Agreement between us. 
1. ACCESSING AND USING YOUR ACCOUNT 
a. Generally. Your Account can be accessed by a Card issued to you or to any Authorized User. Your 
Account may only be used for personal, family, or household purposes. Your Account may not be used 
for illegal purposes, and it may not be used for internet gambling, or marijuana Purchases, even if legal. 
You are responsible for any use of, and Charges to, your Account by you and/or your Authorized User(s), 
even if the use or Charge is prohibited by this Agreement. 

b. Authorized User(s). 

i. Adding or Removing an Authorized User. Notify Us if you want to add or remove an Authorized 
User on your Account. We will ask you certain identifying information about the Authorized User 
before adding them to the Account. We reserve the right to remove any Authorized User at any 
time. Any Authorized User you add must follow all of the terms of use of this Account which apply 
to you, and a failure by any Authorized User to follow such provisions, will be deemed a failure by 
you to adhere to such provisions. 
ii. Communications with an Authorized User. You agree we may share certain information with an 
Authorized User regarding your Account in order to effectively administer your Account, including 
transaction verifications, digital wallet verifications, fraud disputes, and similar security type 
verifications involving use of your Account by the Authorized User. We will not share information 
beyond what we believe is necessary. 

c. Joint Accounts. If more than one person applied for, or is liable on, the Account, we may send any 
communications to either of you, we may disclose information about the Account to either of you, and we 
may accept instructions from either of you (even if you have a disagreement). 

d. Convenience Checks. 

i. From time to time, we may provide you with Convenience Check to access your Account. By 
using a Convenience Check, you agree to follow any special terms we send you with such 
Convenience Check. The amount of your Convenience Check will be added to either a separate 
Balance on the Bill (if special terms apply), or the Purchase Balance (if no special terms apply). 
Additionally, the Convenience Check Advance Fee (as set forth in the Rates and Fees Table) will 
be added to the Cash Advance Balance. NOTE: There is no Grace Period for Charges related to 
Convenience Checks. 
ii. Limitations. We have the right not to pay a Convenience Check for any reason. You may not 
use a Convenience Check to make a payment on your Account or any other account with us. You 
must inform any person to whom you provide a Convenience Check that they must deposit the 
Convenience Check at their own depository institution as we will not cash a Convenience Check 
at our branches for non-KeyBank customers. 

2. CREDIT LIMITS AND CASH ADVANCE LIMITS 

 
a. Generally. All Cards accessing your Account are subject to your Account's credit and cash advance 
limits. Your initial credit limit and cash advance limit are located on the card carrier that was sent to you 
with your Card. 

b. Credit Limit. Your credit limit is the maximum amount that you can have outstanding on your Account 
at any time. You agree not to initiate any Charges that would cause your Account balance to exceed the 
credit limit. At our discretion, we may approve a Charge that causes your Account balance to exceed the 
credit limit, but we do not treat such a Charge as a request for an increase to your credit limit. You are 
responsible for paying all Charges in excess of your credit limit immediately. All Charges in excess of your 
credit limit will be included as part of your Minimum Payment. 

c. Cash Advance Limit. Your Cash Advance limit is only a portion of your total available unused credit 
limit. If no separate Cash Advance limit is listed on your Bill, then your credit limit and your Cash Advance 
limit are the same. 

d. Changes to Your Credit Limit and Cash Advance Limit. Without advance notice, we may change 
your credit limit at any time (which may also affect your Cash Advance limit). We will notify you of any 
changes through your Bill or by sending you a separate notice, which may be after the change occurs. 
3. USING YOUR CARD FOR CHARGES 
a. Generally. You may use your Account for Purchases, Cash Advances, or Balance Transfers. Each 
type of Charge will have its own Balance. Each Balance may have a separate APR. Certain Charges will 
also incur a transaction fee (as set forth in the Rates and Fees Table) (e.g. a Balance Transfer will incur a 
Balance Transfer Fee). You must refer to the Rates and Fees Table for a complete listing of transaction 
fees specific to your Account. Other non-transaction based fees may apply to your Account. Please see 
Section 7 below for an explanation of such fees. 

b. Authorization of Charges. We do not guarantee this Card will be accepted by any merchant. We may 
refuse to authorize any Charge at our sole discretion, even if there is sufficient available credit. We are 
not responsible for any losses associated with a declined Charge. 

c. Balance Transfers. You can transfer balances to your Account by Notifying Us. We will charge a 
Balance Transfer fee on the amount of each Balance Transfer. We permit Balance Transfers from most 
accounts issued by other banks. We do not permit Balance Transfers from other accounts or loans with 
us or any of our affiliates. Note however, that if you transfer a balance using a Convenience Check, such 
Charge will be treated like any other Charge completed by a Convenience Check. (See Section 1(d) 
regarding Convenience Checks). 

d. Recurring Charges. Cardholders may authorize a third-party to bill Charges on a recurring basis to 
your Account. If you want to stop these Charges, you must contact the third-party and direct the third-
party that it is no longer authorized to make Charges to your Account. Recurring Charges may not 
process if your Card number, expiration date or security code changes. You agree that we may, but are 
not required to, transfer recurring Charges to any replacement Card or Account. If your Account is closed 
or suspended or we suspend making certain recurring Charges on your Account, you are responsible for 
making alternate payment arrangements with the affected third-party. 
4. INTEREST CHARGES 
a. Your APR's are on the Rates and Fees Table. Variable Rates are calculated by adding together an 
index and a margin. The index is the Prime Rate as published in the "Money Rates" section of The Wall 
Street Journal. At the end of your billing period, we look at the Prime Rate as published on the last 
business day of the previous calendar month to determine your index. An increase or decrease in the 
index will cause a corresponding increase or decrease in your variable rates effective as of the first day of 
your billing cycle that begins in the same month in which such change in the index is published. Your 
Rates and Fees Table will indicate the "margin" applicable to your Account. If the APR increases you will 
pay a higher interest Charge and may have a higher Minimum Payment. If The Wall Street Journal 
ceases to publish the Prime Rate, or it changes the definition of the U.S. Prime Rate, we may, in our sole 
discretion, substitute another index. 

b. Minimum Interest Charge. If the interest calculation for the Billing Period (using the formula explained 
in Section 5 below) renders an amount greater than zero, but less than the "Minimum Interest Charge" (as 
set forth in the Rates and Fees Table), we will add the Minimum Interest Charge to your Account in lieu of 

the interest from the interest calculation. The Minimum Interest Charge is labeled as a fee on your Bill 
(rather than interest), and is added to the Purchase Balance. 
5. INTEREST CALCULATION 
a. Generally. Even though your Account may be accruing interest Charges during the entire Billing 
Period, we only post interest Charges to your Account once, at the end of each Billing Period. (See 
formula below in subsection 5(b) for how we do this.) Because we do not post interest Charges until the 
end of the Billing Period, if you make a payment mid-Billing Period intending to pay off the entire Account, 
be aware that you may not have taken into account interest accruing on Balances not entitled to a Grace 
Period. 

b. Interest Charge Calculation Formula. We charge interest on your Account using the Average Daily 
Balance Method with Compounding (including new transactions). Note: the Glossary also contains a 
definition of Daily Periodic Rate (referred to as "DPR" in the formula below) and Average Daily Balance 
("ADB" in the formula below). For each Balance that makes up your Account we use the formula below: 
(DPR) x (ADB) x (# of days in Billing Period) = Interest Charges 
To arrive at the ADB used in the formula above, we perform the following calculation during the Billing 
Period for each specific Balance to come up with a Daily Balance: 

Beginning Balance (i.e. the previous day’s Daily Balance) 

+ New transactions 

+ Fees specific to a particular transaction 

+ Interest applicable to the previous day’s Daily Balance‡ using the DPR to calculate the interest 

- Payments or credits 

= Daily Balance 

‡We treat any credit balance as a zero balance 

We add together all of the Daily Balances for the Billing Period and then divide the number of days in the 
Billing Period to arrive at the ADB. The ADB amount can then be used in the formula above to determine 
the actual interest Charges that will be added to (i.e. posted to) your Account. 

You will be able to see the Interest Charges for each of the Balances on your Bill under the section 
entitled "Interest Charge Calculation". We then add up all of the interest Charges for each Balance to get 
the total interest Charges for the Billing Period, which total can be found on the first page of your Bill in 
the box labeled "Summary of Card Activity" under the heading of "Interest Charged". 

c. Interest Charges and Fees Are Added to the Balances to Which They Apply. We add the 
applicable interest Charges to the Balances to which they apply (for example, we add interest Charges on 
Purchases to the Purchase Balance). Likewise, we add the particular fees to the Balances to which they 
apply (for example, we add the Balance Transfer Fee to the Balance Transfer Balance). Note that Cash 
Advance Fees, Overdraft Protection Transfer Fees and Convenience Check Fees are added to the Cash 
Advance Balance. Fees that do not apply to a particular Balance are added to the Purchase Balance. 

d. Grace Period Applies Only to Purchases. Only the portion of the Purchase Balance attributable to 
Purchases will be provided a Grace Period. Other Charges in the Purchase Balance (such as 
Convenience Checks) will be charged interest from the date of the transaction at the disclosed APR. (For 
more information, see Section 1(d) regarding Convenience Checks). Also, there is no Grace Period for 
Balance Transfers or Cash Advances. 

e. How the Grace Period Works to Avoid Interest on Purchases. In order to receive a Grace Period 
on your Purchases, you will need to pay in full on or before the Due Date the "New Balance" on your Bill. 
As long as you continue to pay the entire "New Balance" on your Bill on or before the Due Date each 
consecutive Billing Period, your Purchases will receive a Grace Period. If you do not pay your Bill in full 
(including the amount of any special promotions, Convenience Check offers, etc.), you will lose your 
Grace Period. If you lose your Grace Period by making only a partial payment that is at least equal to the 
Minimum Payment on or before the Due Date, then in the next Billing Period, we will apply your partial 
payment as of the first day of that next Billing Period. If you lose your Grace Period, you may earn it back 

by paying the entire "New Balance" listed on any subsequent Bill. Once you have paid the New Balance 
on your Bill in full on or before its Due Date, you will receive a Grace Period for any Purchases made in 
the next Billing Period (subject to loss as set forth above). Note: in this section, the "next" Billing Period 
means the Billing Period which started immediately following the Billing Period for which you paid your Bill 
in full on or before the Due Date, which Due Date falls in the Billing Period identified in this section as the 
"next" Billing Period. 

f. When We Begin to Charge Interest. Except as set forth in the previous section entitled "How the 
Grace Period Works to Avoid Interest on Purchases", all Charges begin to accrue interest from the date 
of the transaction (which may be earlier than the posting date). Such Charges will continue to accrue 
interest until paid in full. 

g. When We Add Charges. We add Charges to your Account no earlier than the date of the transaction. 
Generally the date of the transaction will be the sale date for the Purchases, the date you request a 
Balance Transfer or a Cash Advance, or the date the payee deposits a Convenience Check. There may 
be delays in posting Charges to your Account. Although we generally add the fees associate with a 
specific Charge on the same date that we add the Charge, for non-transaction related fees, we post them 
when the service is requested (e.g. when a statement reprint is requested) or when the assessment 
occurs (e.g. late fees at the end of the Billing Period). Note that any Balance may be subdivided to 
accommodate for special terms Convenience Checks or other promotional Balances. 
6. OVERDRAFT PROTECTION ADVANCE ("OD ADVANCES") 
a. Generally. You may elect to set up this Account to cover overdrafts on your KeyBank checking 
account by Notifying Us. Only one OD Advance will be made each day. Additionally, we will charge an 
Overdraft Protection Transfer Fee (as set forth in the Rates and Fees Table) to this Account each day an 
OD Advance occurs. OD Advances will be treated as Cash Advances. The terms of this Agreement and 
your checking account agreement will apply. 

b. Overdraft Protection Set-Up. Overdraft Protection is typically available within ten business days of 
receipt of the request. To confirm your request for Overdraft Protection has been processed and is 
available: 

1. Call or visit your local branch. 
2. Check your Account at Key.com on the "Financial Details" tab. 
3. Call our Client Satisfaction Center at 1-800-KEY2YOU (1-800-539-2968), or for our hearing 
impaired clients TDD/TTY 1-800-539-8336. 

c. Limitations on Eligibility. In order to link this Account to your checking account, all persons who 
applied for this Account or who are liable on this Account must be owners of the checking account. If at 
any time for any reason the persons who applied for this Account or who are liable on this Account and 
the owners of the checking account are different, your right to take OD Advances will terminate. 

d. OD Advances. Once you activate this feature we will link this Account to your KeyBank checking 
account. When specified below, a Charge will be made to this Account (here an "Overdraft Protection 
Advance" or "OD Advance") and the funds represented by such Charge will be transferred to your linked 
checking account. You request and agree that these automatic OD Advances be made. 

e. Timing of OD Advances. At the end of each business day, an automatic OD Advance will be made on 
this Account when the total amount of withdrawals from your linked checking account made during the 
day and service charges we post to your linked checking account for the day, exceed the amount of funds 
in such linked checking account that is available for withdrawal. 

f. Amount of OD Advances. You agree that the amount of the OD Advances will be advanced from this 
Account up to the amount that is available under your Cash Advance limit. The Cash Advance limit 
amount used for authorization of OD Advances is calculated as of the end of the prior business day and 
may be updated with current day information if available. Cash Advances occurring during the day will 
reduce the amount of the Cash Advance limit available for OD Advances. The automatic OD Advance will 
equal the lesser of the amount needed to cover the unpaid amount of withdrawals and service charges in 
your Checking Account, or the amount of available funds under your Cash Advance limit, rounded up to 
the nearest $50.00 increment. 

g. Our Reservation of Rights. We may pay items into overdraft, at our discretion, and charge an 
overdraft fee on your Checking Account if you do not have available funds under your Cash Advance limit 
for an OD Advance of the total overdraft amount. If you fail to properly maintain your accounts, in addition 
to other rights and remedies we have, we may terminate your Overdraft Protection. 

h. Cancellation of OD Protection. You may cancel the Overdraft Protection services at any time by 
giving us written notice at the address printed on your Bill. We may cancel your Overdraft Protection and 
stop making OD Advances at any time. 
7. FEES 
a. Transaction Fees. We charge fees in connection with specific Charges you have initiated. For 
example, we charge a Balance Transfer Fee, when you request a Balance Transfer. Please see the 
Rates and Fees Table for a full listing of all of our transaction fees. The fees for Foreign Currency 
Transactions (as set forth in the Rates and Fees Table) are calculated as set forth in the definition in the 
Glossary. 

b. Late Payment Fee. If you make a Late Payment, we may charge you a Late Payment fee. For a 
detailed explanation of this fee, please see the Rates and Fees Table (particularly the additional language 
following such table which contains additional terms of your Cardmember Agreement). The Late Payment 
Fee will not exceed the Minimum Payment amount. 
8. PAYING US 
a. Your Bill. You agree to pay us all amounts that we lend you on your Account, together with the interest 
Charges and fees as provided in this Agreement. Additionally, you may pay all or part of your Account 
balance at any time. For each Billing Period, you agree to pay at least the Minimum Payment on or before 
the Due Date in accordance with our Standard Payment Instructions. If you don't receive a Bill by the date 
when you usually receive it, Notify Us at once. 

b. Minimum Payment. If you do not pay the Minimum Payment by the Due Date, we may charge you a 
Late Fee and you will be in Default. 

Your Minimum Payment will include any amount in excess of your credit limit plus the greater of: 

•  $30.00, or 
•  1% of the outstanding Balance on the Account (inclusive of all fees other than the late fee) 

plus interest charges, late fees and any past due amount. 

In any case, your Minimum Payment will not exceed the New Balance on your Bill. 

c. Making a Payment. 

i. By Check. You authorize us to either use information from your check to make a one-time 
electronic fund transfer from your account or to process the payment as a check transaction. 
ii. By Phone. If you call us to make a payment to us over the phone, you authorize us to make 
such payment in accordance with your instructions. You agree that we may either record your 
oral authorization during the call or send you notice by mail or e-mail of the authorization. 
iii. When Payments are Received. When you schedule a payment with us through our online 
banking website or our mobile site before our cut-off times, we consider the payment received by 
us on such date, even though the funds associated with such payment have not been collected 
by us. When you send us a check that satisfies our Standard Payment Instructions and the 
physical check arrives before our cut off times, we consider it received upon arrival. However, if 
you initiate a payment to us through another institution or third party, we will not credit it to your 
Account until we receive the funds associated with such payment. If a payment you send us is 
reversed for any reason, you may be charged a late fee and lose your Grace Period. 

d. Cut off Times, Weekends, and Holidays. You must follow the payment instructions (including cut off 
times) provided on your Bill, as well as the Standard Payment Instructions defined in the Glossary. To be 
credited on day of receipt, payments must be received by the cut-off time. We are not required to, but 
may, extend the cut-off time at our discretion for certain electronic payment channels. If your Due Date 
falls on a weekend or holiday, we will treat mailed payments received by us by the cut off time on our next 
business day as being received by us on the Due Date. 

9. HOW WE APPLY YOUR PAYMENTS 
a. Crediting Payments to Your Account. As long we receive your Minimum Payment on or before the 
Due Date in accordance with our Standard Payment Instructions and before our cut off times, you will not 
be charged late fees. We will credit your payment as of the day it is received, even though there may be 
delays in posting the payment to your Account. If we post a payment after the Due Date that was received 
by us before the Due Date, we will adjust your Account for late fees and interest accrual, if applicable. We 
may accept and process late, partial and payments marked as "paid in full" without losing our rights under 
this Agreement. Any such payments must be sent to the special address identified on your Bill. 

b. Payments in Excess of the Minimum Amount. If you make more than the Minimum Payment when 
due, the excess above the Minimum Payment is applied to Balances with the highest APRs first, unless 
otherwise required by law. 

c. Payments Less Than or Equal to the Minimum Payment. We may apply the amount of your 
payment less than or equal to your Minimum Payment and any credits to your Account in any way we 
choose. We generally apply these payments to lower APR Balances first, which means you may pay 
higher interest Charges. 

d. How Payments Affect Your Credit Limit. We do not immediately increase the amount of total 
available credit under your Credit Limit upon receipt of your payment. Depending upon your payment 
amount and other factors you may not be able to reborrow the payment amount for a reasonable amount 
of time to ensure your payment has cleared, depending upon the payment method you chose. This allows 
us a reasonable amount of time to collect the funds associated with your payment and help you manage 
your Credit Limit to avoid over limit situations. When you make a payment to us from an account that is 
not controlled by us, you should reference the disclosures provided in connection with such payment 
channel to determine the approximate amount of time that it takes such payment to reach us. 

e. Credit Balances. You may request a refund of credit balances at any time. If no refund is requested, 
we will apply credit balances to new Charges, unless prohibited by law. 
10. DEFAULT AND ENFORCEMENT 
a. Generally. If your Account is in Default, we may close your Account or terminate or suspend your 
credit privileges without notice and require full payment of your outstanding Balance immediately. We can 
also begin collection activities. To the extent permitted by law, if you are in Default because you have 
failed to pay us, we will require you to pay our collection costs, attorneys' fees, court costs and all other 
expenses of enforcing our rights under this Agreement. 

b. Enforcement. We may choose to delay enforcing or waive any of our rights under this Agreement. We 
can delay enforcing or waive any of our rights without affecting our other rights. If we waive a right, we do 
not thereby waive the same right in other situations. 
11. CLOSING YOUR ACCOUNT 
a. Closing Your Account. You may close your Account at any time by Notifying Us. We may close or 
suspend your Account at any time for any reason without telling you first. If there are any unpaid amounts 
on your Account when it is closed, you remain responsible for paying all unpaid amounts. After closure, 
we will no longer authorize Purchases, Balance Transfers, Cash Advances or other Charges initiated by 
you, but your Account Balances will continue to accrue interest Charges and fees and remain subject to 
all other terms of this Agreement. As long as your Account is not in Default, you will be permitted to pay 
your Bill monthly until your Account is paid in full. If your Account is in Default when it is closed please 
refer to Section 10 of this Agreement regarding Default and Enforcement for further information as to 
payment responsibilities. 
12. LOST, STOLEN, OR COMPROMISED CARDS/ACCOUNT 
a. Notify Us. You must Notify Us immediately and stop using your Account. 

b. Liability. You will not be liable for any unauthorized use that occurs after you Notify Us. You may, 
however, be liable for unauthorized use that occurs before you Notify Us. In any case, your liability will not 
exceed $50. A Charge that falls into the definition of an Authorized Charge will not be considered 
unauthorized use. 

13. COMMUNICATIONS 
a. Mailings. We will send Bills and other Account related communications to your Address On File, which 
may also include an alternate address you have provided us for specific purposes we agree upon. We will 
not send a new or replacement Card to a post office box or to your Address On File if it has recently 
changed. 

b. Mobile Communications. You expressly authorize KeyBank National Association and its service 
providers, affiliates, agents, successors, assigns, and third party debt collectors to contact you on any of 
your mobile phone numbers, whether you provide those numbers to KeyBank (now or in the future) or 
whether KeyBank identifies those mobile numbers via other sources including, but not limited to, those 
obtained via skip tracing or those provided by third parties. This consent applies to all calls including text 
messages or telephone calls made via or using an automatic telephone dialing system, autodialer, and/or 
an automated or prerecorded voice. This consent applies to any and all accounts including, but not limited 
to, depository accounts, loans, lines of credit, credit cards, or other relationships you have with KeyBank 
(including business accounts upon which you are identified as a point of contact or an authorized user), 
including those you already have or any that you may obtain in the future, and this consent permits calls 
regardless of their purpose. These calls and messages may incur access fees from your cellular provider. 

c. Telephone Monitoring. We may listen to and record your telephone calls with us. 

d. Authenticating Your Identity. When you call us, we may ask you certain information to be 
comfortable it is you we are talking to. We may also ask for such information when you are writing to us 
via mail or signing on to our online banking site or our mobile site. We will not ask you via e-mail to 
provide us any identifying information so be aware not to respond to any phishing e-mails. 

e. E-Mail Communications. We may also send an email to any e-mail address you have provided us or 
any e-mail address where we reasonably believe we can contact you. 

f. Changes to Your Information. You are required to Notify Us any time you move or otherwise want to 
change your Address On File. Notify Us immediately of any changes to your phone numbers, e-mail 
address, Address On File or other contact information. Please see definition of "Notify Us" for methods of 
contacting us. 
14. CREDIT INFORMATION 
a. Credit Information We Receive About You. We may obtain and review your credit history from credit 
reporting agencies and others, including in connection with the servicing and collection of your Account. 
As a part of servicing, we will review your Account on a regular basis to determine if you are eligible for 
certain promotional offers related to your Account and you authorize us to do so. 

b. Credit Reporting We Do on Your Account. We provide information about this Account to consumer 
reporting agencies and others for you as well as for any Authorized User. As Authorized Users are not 
liable for repayment of this Account, an Authorized User may request that we cease reporting this 
Account for him or her. If an Authorized User makes such a request, we will remove the Authorized User 
from the Account. 

c. Disputes. If you think we provided incorrect information, write to us at the address provided in the 
section of your Bill labeled "What To Do If You Think You Find A Mistake On Your Statement" and we will 
investigate. 
15. OTHER PROVISIONS 
a. Applicable Law. This Agreement and the Account will be governed by federal law, and to the extent 
state law is applicable, the laws of the state of Ohio, and these laws will apply no matter where you live or 
use this Account. 

b. Amendments. We may change or terminate all or any part of this Agreement, including without 
limitation APRs and fees, at any time. We may also add new terms or delete terms. Any changes will be 
in accordance with applicable law, and we will provide notice as required by law. 

c. Assignment. We may sell, Assign or transfer the Agreement and the Account or any portion thereof 
without notice to you, and the purchaser, assignee, or transferee shall have the same rights as we do 
under this Agreement. You may not sell Assign, or transfer the Account. 

d. Severability. Except as specifically provided in Section 16 below, if any provision of this Agreement is 
finally determined to be void or unenforceable under any law, rule or regulation, all other provisions of this 
Agreement will remain valid and enforceable. 

e. Restrictions on Use. KeyBank may restrict use of your Card in any jurisdiction or country where such 
use would be contrary to U.S. law or regulation, or which is identified as presenting a high risk of fraud. 
Please call 1-800-KEY2YOU for the current list of countries where Charges are restricted. 
16. ARBITRATION PROVISION 
This Arbitration Provision will not apply to new accounts opened on or after October 3, 2017 by 
Covered Borrowers as such term "Covered Borrower" is defined by the Military Lending Act, 10 
U.S.C. 987 e. seq. and its implementing regulations. 

a. Agreement to Arbitrate. This Arbitration Provision sets forth the circumstances and procedures under 
which a Claim or Claims (as defined below) may be arbitrated instead of litigated in court. This Arbitration 
Provision supersedes and replaces any existing arbitration between you and us. 

b. Opt-Out and Rejection Notice. You have a limited right to opt-out of this Arbitration Provision. If you 
do not follow the opt-out procedures set forth in this section exactly, the Arbitration Provision section will 
apply. This Arbitration Provision will apply to this Account unless you notify us in writing that you 
reject the Arbitration Provision within 60 days of opening this Account. Send your rejection notice 
to KeyBank N.A., PO Box 93752, Cleveland, Ohio 44101-5752. Your notice must be legible and 
include your name, the names of any joint Account holders and the Account number(s), the last 
four digits of your card number, the date of your notice, your address (street, city, state and zip 
code), your daytime telephone number, and must be signed by at least one of the joint Account 
holders. Your rejection notice should not include any other correspondence. Calling us to reject 
the Arbitration Provision or providing notice by any other manner or format than as described 
above will not operate as a rejection of this Arbitration Provision and consequently this 
Arbitration Provision will become part of this Agreement. Rejection of this Arbitration Provision 
does not serve as a rejection of any other term or condition of the Agreement with us governing 
your Account(s). 

c. Definition of Claim. As used in this Arbitration Provision, the word "Claim" or "Claims" means any 
claim, dispute, or controversy between you and us arising from or relating to this Agreement or the 
Account, including without limitation, the validity, enforceability, or scope of the Arbitration Provision or 
this Agreement. "Claim" or "Claims" includes claims of every kind and nature, whether pre-existing, 
present or future, including without limitation, initial claims, counterclaims, cross-claims, and third-party 
claims, and claims based upon contract, tort, fraud, and other intentional torts, constitutions, statutes, 
regulation, common law, and equity (including, without limitation, any claim for injunctive or declaratory 
relief). The word "Claim" or "Claims" is to be given the broadest possible meaning and includes, by way of 
example, and without limitation, any claim, dispute, or controversy that arises from or relates to (a) any 
Account subject to the terms of this Agreement (b) any electronic funds transfer from or to any Account 
(c) advertisements, promotions, or oral and written statements related to this Agreement or the Account, 
(d) your application for the Account; and (e) the collection of amounts owed by you to us. Notwithstanding 
this arbitration provision, if you have a Claim that is within the jurisdiction of the small claims court or your 
state's equivalent court, you may file your Claim there. If that Claim is transferred, removed or appealed 
to a different court, then we have the right to choose arbitration. 

d. Arbitration Process Generally. This Arbitration Provision will not apply to Claims previously, or which 
are later asserted, in lawsuits filed before the effective date of this Arbitration Provision or any prior 
arbitration provision between you and us, whichever is earlier. However, this Arbitration Provision will 
apply to all other Claims, even if the facts and circumstances giving rise to the Claims existed before the 
effective date of this Arbitration Provision. 

Any Claim shall be resolved, upon the election of you or us, by binding arbitration pursuant to this 
Arbitration Provision and the applicable rules of either the American Arbitration Association or 
J.A.M.S/Endispute in effect at the time the Claim is filed (the "Arbitration Rules"). You may select one of 
these organizations to serve as the arbitration administrator if you initiate an arbitration against us or if 
either you or we compel arbitration of a Claim that the other party has brought in court. In addition, if we 
intend to initiate an arbitration against you, we will notify you in writing and give you twenty (20) days to 

select one of these organizations to serve as the arbitration administrator. If you fail to select an 
administrator within that twenty (20)-day period, we will select one. In all cases, the arbitrator(s) should be 
a lawyer with more than ten (10) years of experience or a retired judge. If for any reason the selected 
organization is unable or unwilling or ceases to serve as the arbitration administrator, you will have twenty 
(20) days to select a different administrator from the above list; if you fail to select a different administrator 
within the twenty (20)-day period, we will select one. In all cases, a party who has asserted a Claim in a 
lawsuit in court may elect arbitration with respect to any Claim(s) subsequently asserted in that lawsuit by 
any other party or parties. 

IF ARBITRATION IS CHOSEN BY ANY PARTY WITH RESPECT TO A CLAIM, NEITHER YOU NOR 
WE WILL HAVE THE RIGHT TO LITIGATE THAT CLAIM IN COURT OR HAVE A JURY TRIAL ON 
THAT CLAIM, OR TO ENGAGE IN PRE-ARBITRATION DISCOVERY EXCEPT AS PROVIDED FOR IN 
THE APPLICABLE ARBITRATION RULES. FURTHER, YOU WILL NOT HAVE THE RIGHT TO 
PARTICIPATE AS A REPRESENTATIVE OR MEMBER OF ANY CLASS OF CLAIMANTS 
PERTAINING TO ANY CLAIM SUBJECT TO ARBITRATION EXCEPT AS SET FORTH BELOW. THE 
ARBITRATOR'S DECISION WILL BE FINAL AND BINDING. YOU UNDERSTAND THAT OTHER 
RIGHTS THAT YOU WOULD HAVE IF YOU WENT TO COURT MAY ALSO NOT BE AVAILABLE IN 
ARBITRATION. THE FEES CHARGED BY THE ARBITRATION ADMINISTRATOR MAY BE GREATER 
THAN THE FEES CHARGED BY A COURT. 

There shall be no authority for any Claims to be arbitrated on a class action or private attorney general 
basis. Furthermore, arbitration can only decide your or our Claim(s) and may not consolidate or join the 
claims of other persons that may have similar claims. There shall be no pre-arbitration discovery except 
as provided for in the applicable Arbitration Rules. Any arbitration hearing that you attend shall take place 
in the federal judicial district of your residence. 

e. Arbitration Fees. At your written request, we will pay all fees charged by the arbitration administrator 
for any Claim(s) asserted by you in the arbitration, after you have paid an amount equivalent to the fee, if 
any, for filing such Claim(s) in state or federal court (whichever is less) in the judicial district in which you 
reside. (If you have already paid a filing fee for asserting the Claim(s) in court, you will not be required to 
pay that amount again.) If the arbitrator issues an award in our favor, you will not be required to reimburse 
us for any of the fees we have previously paid to the administrator or for which we are responsible. 

f. Attorney Fees. Each party shall bear the expense of that party's attorneys', experts', and witness fees, 
regardless of which party prevails in the arbitration, unless applicable law and/or this Agreement gives 
you the right to recover any of those fees from us. In the event you do not prevail in the arbitration, we will 
not seek to recover our attorneys', experts' or witness fees from you. 

g. FAA. This Arbitration Provision is made pursuant to a transaction involving interstate commerce, and 
shall be governed by the Federal Arbitration Act ("FAA"), 9 U.S.C. Sections 1 et. seq. The arbitrator shall 
apply applicable substantive law consistent with the FAA and applicable statutes of limitations and shall 
honor claims of privilege recognized at law, and at the timely request of any party, shall provide a brief 
written explanation of the basis for the award. In conducting the arbitration proceeding, the arbitrator shall 
not apply the federal or any state rules of civil procedure or rules of evidence. Judgment upon the award 
rendered by the arbitrator may be entered in any court having jurisdiction. The arbitrator's decision will be 
final and binding, except for any right of appeal provided by the FAA and except that, if the amount in 
controversy exceeds $10,000.00 any party can appeal the award to a three-arbitrator panel administered 
by the arbitration administrator which shall reconsider de novo (i.e. without regard to the original 
arbitrator's findings) any aspect of the initial award requested by the appealing party. The decision of the 
panel shall be by majority vote. The costs of such an appeal will be borne by the appealing party 
regardless of the outcome of the appeal. 

h. Survival. This Arbitration Provision shall survive termination of all Accounts subject to this Agreement. 
If any portion of this Arbitration Provision is deemed invalid or unenforceable under any law or statute 
consistent with the FAA, it shall not invalidate the remaining portions of this arbitration provision or the 
Agreement. In the event of a conflict or inconsistency between the applicable Arbitration Rules and this 
Arbitration Provision, this Arbitration Provision shall govern. 

i. Contacting Arbitration Administrators. If you have a question about the arbitration administrators 
mentioned in this Arbitration Provision or would like to obtain a copy of their Arbitration Rules or fee 

schedules, you can contact them as follows: American Arbitration Association, 1633 Broadway, 10th 
Floor, New York, New York 10019, www.adr.org, (800) 778-7879. Commercial or Consumer 
Rules, J.A.M.S./Endispute, 222 South Riverside Plaza, Suite 1850, Chicago, IL 60606; 
www.jamsadr.com (800) 352-5267, Financial Services Arbitration Rules and Procedures. 
17. YOUR BILLING RIGHTS 
a. Keep This Document for Future Use. This notice tells you about your rights and our responsibilities under the Fair 
Credit Billing Act. 

b. What to Do If You Find a Mistake On Your Statement. If you think there is an error on your 
statement, write us at the address shown on your Monthly Statement. In your letter, give us the following 
information: 

•  Account information: Your name and Account number. 
•  Dollar amount: The dollar amount of the suspected error. 
•  Description of the problem: If you think there is an error on your Bill, describe what you 

believe is wrong and why you believe it is a mistake. 

You must contact us: 

•  Within 60 days after the error appeared on your Monthly Statement. 
•  At least 3 business days before an automated payment is scheduled, if you want to stop 

payment on the amount you think is wrong. 

You must notify us of any potential errors in writing. You may call us, but if you do we are not required to 
investigate any potential errors and you may have to pay the amount in question. 

c. What Will Happen After We Receive Your Letter. When we receive your letter, we must do two 
things: 

1.  Within 30 days of receiving your letter, we must tell you that we received your letter. We will 

also tell you if we have already corrected the error. 

2.  Within 90 days of receiving your letter, we must either correct the error or explain to you why 

we believe the Bill is correct. 

While we investigate whether or not there has been an error: 

•  We cannot try to collect the amount in question or report you as delinquent on that amount. 
•  The charge in question may remain on your Monthly Statement, and we may continue to 

charge you interest on that amount. 

•  While you do not have to pay the amount in question, you are responsible for the remainder 

of your Balance. 

•  We can apply any unpaid amount against your credit limit. 

After we finish our investigation, one of two things will happen: 

• 

• 

If we made a mistake: You will not have to pay the amount in question or any interest or 
other fees related to that amount. 
If we do not believe there was a mistake: You have to pay the amount in question, along with 
applicable interest and fees. We will send you a statement of the amount you owe and the 
date payment is due. We may then report you as delinquent if you do not pay the amount we 
think you owe. 

If you receive our explanation but still believe your Bill is wrong, you must write to us within 10 days telling 
us that you still refuse to pay. If you do so, we cannot report you as delinquent without also reporting you 
are questioning your Bill. We must tell you the name of anyone to whom we reported you as delinquent, 
and we must let those organizations know when the matter has been settled between us. 

If we do not follow all of these rules above, you do not have to pay the first $50 of the amount you 
question even if your Bill is correct. 

d. Your Rights If You Are Dissatisfied With Your Credit Card Purchases. If you are dissatisfied with 
the goods or services that you have purchased with your Card, and you have tried in good faith to correct 

the problem with the merchant, you may have the right not to pay the remaining amount due on the 
Purchase. 

To use this right, all of the following must be true: 

1.  The Purchase must have been made in your home state or within 100 miles of your current 
mailing address, and the Purchase price must have been more than $50. (Note: Neither of 
these are necessary if your purchase was based on an advertisement we mailed to you, or if 
we own the company that sold the good or services.) 

2.  You must have used your Card for the Purchase. Purchases made with cash advances from 

an ATM or with a check that accesses your Account do not qualify. 

3.  You must not yet have fully paid for the Purchase. 

If all of the criteria above are met and you are still dissatisfied with the Purchase, contact us in writing at 
the address shown on your Monthly Statement. 

While we investigate, the same rules apply to the disputed amount as discussed above. After we finish 
our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not 
pay, we may report you as delinquent. 
18. ADDITIONAL DISCLOSURES FOR RESIDENTS OF SPECIFIC STATES 
a. New York and Vermont Residents. You agree to give us permission to obtain one or more credit 
reports from consumer reporting agencies in connection with this application, any transaction or extension 
of credit that may result from this application, and on an ongoing basis, for the purposes of performing a 
routine and occasional verification of credit on the Account, updating or renewing the Account, adjusting 
the credit limit on the Account, taking collection action on the Account, or for any other legitimate 
purposes associated with the Account. Upon your request, you will be informed of whether or not a 
consumer credit report was ordered, and if it was, you will be given the name and address of the 
consumer reporting agency that furnished the report. 

b. Ohio Residents. The Ohio laws against discrimination require that all creditors make credit equally 
available to all creditworthy customers and that credit reporting agencies maintain separate credit 
histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with 
the law. 

c. Utah Residents. As required by Utah law, you are hereby notified that a negative credit report 
reflecting on your credit record may be submitted to a credit reporting agency if you fail to fulfill the terms 
of your credit obligations. 
19. GLOSSARY OF DEFINITIONS 
Each term that is capitalized in this Section 19 is defined by us, except that we do not capitalize the words 
"you, your, yours, we, us, our," but such terms will have the meanings set forth in the definitions below. All 
of the definitions in this Section 19 are a part of the Agreement between us. 

Terms: 

Account 

Address On File 

Definitions 

Defined in the first paragraph of this Agreement. 

Your Address On File is the address that you provided on your application to 
open this credit card Account, unless (1) we have received and processed 
your written notice of a change of address provided in accordance with the 
terms disclosed on the back of your Bill, in which case that new address is 
the address of record; or (2) in the event that your address changes before 
we have sent out your first Bill, we have received and processed your written 
notice of a change of address sent to us at the address for mailing 
payments. 

Agreement 

Defined in the first paragraph of this Agreement. 

APR or Annual 
Percentage Rate 

Assign 

Authorized Charge 

APR or "annual percentage rate" is an annualized interest rate. Different 
APRs may apply to different balances on your Account, such as your 
Purchase Balance or your Cash Advance Balance. We use the APR that 
applies to each Balance to calculate the interest that you owe us on the 
Account. 

We Assign your Agreement if we sell or pass to a third party any or all of our 
rights or obligations under the Agreement, including any amount that you 
owe under the Agreement. Subject to the extent of the assignment, any 
party to whom we Assign your Agreement will enjoy all our rights under the 
Agreement, including contractual rights to collect amounts that you owe on 
the Account. 

•  An Authorized Charge is any Charge that you or any Authorized 
User makes on the Account, and any fees and interest charges 
owing on the Account. 

•  Any Charge made by an Authorized User is an Authorized 

Charge. This is true even if you told the Authorized User not to 
make that specific Charge. 

•  A Charge will still be authorized even if it is an illegal 

transaction (like illegal gambling charges), or it puts you over 
your credit limit, or it is made after your Account has closed. 

•  An Authorized Charge can be made over the telephone, in 

person, on the Internet, or in any other way that your Account 
can be used. 

Authorized User 

If you ask us to issue a Card on this Account to another person, he or she is 
an Authorized User. In addition, if you give your Card or Card number to 
another person, he or she is an Authorized User. 

Average Daily Balance 
Method With 
Compounding 

According to this method, we calculate the interest Charges for each 
Balance by applying the "daily periodic rate" for that Balance to the "average 
daily balance" for that Balance. We multiply the result by the number of days 
in the Billing Period. That gives us the total interest charges for that Balance 
for that Billing Period. 

The "Daily Periodic Rate" is a daily interest rate. The Daily Periodic Rate for 
a given Balance is equal to the APR for that Balance divided by 365. 

We calculate the "average daily balance" for each balance. We do this by 
starting with the beginning amount of that Balance for each day. We add any 
new Charges for that day, add any interest on the previous daily balance if 
there is one in that Billing Period, and subtract any payments or credits. This 
gives us the "daily balance." We calculate the "average daily balance" for 
each Balance by adding all the daily balances for each day in the Billing 
Period and then dividing by the total number of days in the Billing Period. 
The addition of the prior day's interest to the daily balance calculation 
causes interest to compound daily. 

We add fees that are specific to a particular Charge to the same daily 
balance as that particular Charge. We add all other applicable fees to your 
Purchase Balance as of the first day of a Billing Period. 

Balance 

1.  We put each Charge on your Account, including interest or 

fees, into a Balance category. 

2.  We use the different Balances to calculate the correct interest 

Charges on your Account. If any type of Charge has a separate 
interest rate, we will put it into a separate Balance. This means 
that your Account may have separate Balances for Purchases, 
Cash Advances, and Balance Transfers. It also means that if 
any Charges are subject to an introductory or other promotional 
interest rate for a period, we will place such Charges into a 
separate Balance for the time period that you qualify for the 
special rate. 

3.  We place interest Charges into the Balance that generated 
those Charges. For example, we place interest Charges on 
Purchases into your Purchase Balance. 

4.  We place fees that result from a specific Charge into the same 
Balance as that specific Charge. For example, we place a 
Foreign Transaction Fee that we assess on a Cash Advance 
into your Cash Advance Balance. We place fees that do not 
result from a specific Charge, such as a Late Payment fee, into 
your Purchase Balance. 

Balance Transfer 

You make a Balance Transfer when you contact us to transfer a Balance 
electronically or by phone. 

Billing Period (also 
referred to by us as the 
Billing Cycle) 

Bill 

(also referred to by us 
as your Monthly 
Statement) 

•  The Billing Period is the fixed period of time covered by the Bill 
we send you. The Bill will show your new Charges, including 
interest and fees, and any payments that posted to your 
Account during that period. Each Bill that we send will identify 
the Billing Period that it covers. 
If you have a credit or debit on the Account of $1 or more at the 
end of any Billing Period, we will send you a Bill, showing what 
you owe us as of the end of that Billing Period. 

• 

•  Your Bill is the statement of your Account. Your Bill will tell you 
the total amount that you owe us as of the end of the last Billing 
Period. It will also tell you the Minimum Payment that you must 
make to us by the stated Due Date. 

•  We will send you a Bill at the end of each Billing Period if at that 
point you have a credit or debit on the Account equal to or more 
than $1. We may not send you a Bill, however, if we have 
decided your Account is uncollectible or if we have sent the 
Account for collection proceedings against you. 
In our discretion, we may choose to send you a Bill even if you 
do not have a credit or debit of $1 or more. 

• 

Card 

Your Card is the physical Card, the Account number, or any device 
(including a Convenience Check) that can be used to access your Account. 

Cardholder(s) 

You and/or any Authorized User. 

Cash Advance 

You receive a Cash Advance when you use your Card or Account to do any 
of the following: 

1.  obtain cash from an automated teller machine (ATM); or 
2.  obtain cash from any other source; or 
3.  make a wire transfer; or 
4.  buy foreign currency; or 

5.  buy traveler's checks; or 
6.  buy money orders; or 
7.  buy Lottery tickets; or 
8.  buy gambling chips and wagers. 

Charge 

Any transaction (i.e. a Purchase, Balance Transfer, or Cash Advance), 
interest, or fee, regardless of how such Charge is made (by Card, 
Convenience Check, automatic posting or otherwise). 

Convenience Check 

The terms checks or Convenience Checks are access devices used to make 
a Charge to your Account and are collectively referred to in this Agreement 
as a Convenience Check. Although Convenience Checks may be used to 
make Purchases, Cash Advances and Balance Transfers, the Charges 
resulting from the use of a Convenience Check may be posted to the 
Purchase Balance or a special promotional Balance, but they will begin to 
accrue interest immediately and will not be entitled to a Grace Period. 

Daily Periodic Rate or 
DPR 

DPR stands for "Daily Periodic Rate." This is a daily interest rate. The daily 
periodic rate or DPR for a given Balance is equal to the APR on that Balance 
divided by 365. 

Default 

You are in Default on the Account if: 

1.  You do not make at least the Minimum Payment when it is due; 

or 

2.  You have exceeded one or more of your credit limits; or 
3.  A payment you make is rejected or cannot be processed; or 
4.  You provide us false, misleading, or fraudulent information; or 
5.  You fail to comply with any term of the Agreement; or 
6.  You are bankrupt or insolvency proceedings are filed against 

you; or 

7.  We believe you may be unwilling or unable to pay your debts 

on time; or 

8.  You die or are legally declared incompetent or incapacitated; or 
9.  We become aware that you are using your Card for illegal or 

fraudulent purposes. 

•  The Due Date is the date by which we must receive your 

payment in order for it to be on time. Your Bill lists the Due 
Date. 

•  Your Due Date will always fall on the same calendar day of the 
month. It will be at least 21 days from the date that we send you 
the Bill, and at least 25 days from the end of your most recently 
ended Billing Period. 

•  To be on time, we must receive your payment on or before the 

• 

Due Date and by the time stated on your Bill. 
If we do not receive or accept payments by mail on the Due 
Date, your payment will be on time if it is received by the next 
day that we accept or receive payments by mail. 

•  A Foreign Transaction is a Purchase and/or Cash Advance that 
you either (i) make in a foreign currency, or (ii) make outside of 
the United States or its territories, even if made in U.S. dollars. 

•  Transactions you initiate in the United States through the 

internet may be considered made outside the United Sates if 

Due Date 

Foreign Transaction 

the merchant is located outside of the United Sates, and 
therefore may be considered a Foreign Transaction. 
•  Regardless of the above language, Key will not treat as a 

Foreign Transaction any transaction that is both (i) made in 
Canadian dollars or U.S. dollars, and (ii) made with a merchant 
whose business is located in Canada and/or the United States 
or the territories of the United States. 

•  Foreign Transactions may be assessed a Foreign Transaction 

Fee as set forth in the Rates and Fees Table. 

•  Mastercard International ("Mastercard") will convert foreign 
currency transactions using a government-mandated or 
wholesale rate in effect on the processing date (which may 
differ from the rate on the date of your transaction or the 
posting date). The rate used may differ from the rate that 
Mastercard actually receives. 

•  A Grace Period exists with respect to Purchases when you do 
not have to pay interest on those Purchases. See Section 5 of 
the Agreement which explains how a Grace Period may apply 
to your Account. 

Grace Period 

Late Payment 

A Late Payment is your failure to make at least the Minimum Payment so 
that it reaches us by or before the time and Due Date on your Bill. 

Minimum Payment 

(also referred to by us 
as the Minimum 
Monthly Payment) 

Notify Us 

Refer to Section 8 of the Agreement for the definition and calculation of the 
Minimum Payment. We also list your Minimum Payment amount on your Bill. 

Call us at the phone number provided on your Bill or the back of your Card, 
or write to us at the appropriate address indicated on your Bill (note there 
are multiple addresses on your Bill and you must choose the address 
appropriate to your reason for contacting us). 

OD Advances 

See definition for OD Advances set forth in Section 6 of the Agreement. 

Prime Rate 

This is the U.S. Prime Rate published in the Wall Street Journal. If the Wall 
Street Journal no longer publishes a prime rate, we will use a similar 
published rate that we choose. 

Protected Balances 

Protected Balances are amounts owing on the Account that under law are 
not subject to an increase in interest rates or fees. In general, a protected 
balance includes any charge incurred before or within 14 days after we send 
notice of such an increase. If you receive notice of an increase in an interest 
rate, the notice will tell you the Charges to which the new rate will apply. 

Purchases 

A Purchase is the use of your Card to buy or lease products or services. The 
purchase of cash or cash equivalents, like casino chips or lottery tickets, is a 
Cash Advance, not a Purchase. 

Returned Payment 

•  This is a payment that you make to us that is not honored by 

your financial institution. 

•  Although we do not charge a Returned Payment fee, your 

financial institution may impose fees on you for the Returned 
Payment. 

•  At our discretion, we may re-submit a Returned Payment to 

your financial institution. 

Standard Payment 
Instructions 

You must pay your credit card Bill in a manner that meets all the following 
conditions: 

1.  You must pay in U.S. Dollars; and 
2.  You must not pay in cash, unless you pay at one of our 

branches; and 

3.  Except for payments made pursuant to (2) above, your 

payment must be drawn on a U.S. deposit account, or by a 
cashier's check drawn on a U.S. bank or a foreign bank branch 
in the U.S.; and 

4.  You must not attach any restrictive language to your payment; 

and 

5.  You must not pay from a credit account that we provide you, 

6. 

7. 

8. 

such as a check drawn on any credit card account that you 
have with us; and 
If you make payment in a paper form (like a check, money 
order, or cashier's check), you must include the payment 
coupon from your statement OR write your credit card Account 
number on the payment. 
In addition: 
If we decide in our discretion to accept a form of payment that 
does not meet these Standard Payment Instructions, we do not 
waive our rights to continue to require payments that comply 
with these instructions; and 
If we decide in our discretion to accept a payment that you 
make to us in a foreign currency, we will choose the conversion 
rate. 

we, us, and our 

KeyBank National Association, the issuer of your Account and Cards. 

Workout Arrangement 

This is a special arrangement between us and you in which we agree to a 
temporary reduction in applicable interest rates or fees in return for your 
agreement to follow a defined payment schedule. Any such agreement will 
be in writing. It may provide that upon completion of the workout 
arrangement or upon your failure to comply with the terms of the workout 
arrangement, interest rates and fees may increase up to the same terms as 
were in effect before the workout arrangement. 

you, your and yours 

Any person who applied for the Account and any other person liable on the 
Account by any other means. 

Key Cashback® Credit Card Program Terms and Conditions 

These Terms and Conditions provide you with detailed information about how the Key Cashback Credit 
Card program works, and is an agreement between you and KeyBank. This is a separate and 
independent agreement from the Cardmember Agreement; however, it is subject to the Arbitration 
Provision of the Cardmember Agreement, which is incorporated herein by reference. Additionally, defined 
terms used in these Terms and Conditions, unless otherwise defined herein, will have the meanings 
ascribed to them in the Cardmember Agreement. When you, or an Authorized User, use your Account or 

Card, it means you accept these Terms. This information is provided to you, the Cardmember, from us, 
KeyBank National Association, the issuer of your Key Cashback Credit Card (the "Card"). 

1. Definitions. In these Terms, the following words have special meanings: 

a. "bank" means you own an eligible checking account, excluding health savings accounts, with 
us with $1,000 in aggregate deposits as calculated in accordance with the terms of Section 4 
below. 
b. "Cashback Rewards" means the rewards you earn under the Program. 
c. "Eligible Purchase" means Purchases of goods and services for personal, family, or 
household use you, or an Authorized User, makes, minus any refunds or returns, and excluding 
any of the transactions described in Section 3 below. 
d. "Program" means the Key Cashback Credit Card program. 
e. "save" means you own and maintain either savings accounts with an aggregate minimum daily 
balance of $1,000 or investment account(s) with an aggregate minimum daily balance of $1,000 
with us, as calculated in accordance with the terms of Section 4 below. 
f. "Terms" means the Key Cashback Credit Card Program Terms and Conditions, as they may be 
amended or modified from time to time. 
g. "we," "us," "our," and "KeyBank" means KeyBank National Association, and its affiliates, the 
issuer of your Account and Cards. 
h. "you," "your," and "yours" means any person who applied for the Account and any other 
person liable on the Account by any other means. 

2. Changes to the Terms or Program. 

a. Generally. We may make changes to the Program, and these Terms, at any time. For example, 
we may: 

•  Add new terms or delete terms 

•  Change how you earn Cashback Rewards 

•  Change how you use or redeem your Cashback Rewards 

We may also temporarily prohibit you from earning Cashback Rewards, using Cashback Rewards you 
have already earned, or using any other feature of the Program. We may supplement these Terms with 
additional terms, conditions, disclosures, and agreements, which will be incorporated into these Terms. 

b. When we will provide you with advance notice. We will provide you with 30 days' prior advance 
notice of the following types of changes to the Program or these Terms: 

• 

• 

• 

• 

If we add or increase fees applicable to the Program 

If we change the rate at which you earn your Cashback Rewards 

If we limit the amount of Cashback Rewards you can earn 

If we cancel the Program 

We will provide you notice of these types of changes in writing, which, at our option, may be delivered to 
you electronically through email or through our online services. 

c. Other notices. We will provide notice of other changes to the Program or these Terms by 
posting an updated copy of these Terms when you log into our website, www.key.com . 

3. How you can earn Cashback Rewards. You earn Cashback Rewards when you, or an Authorized 
User, uses a Card to make most Purchases of goods and services, minus refunds or returns. The 
Account and your Cashback Rewards are for personal, family and household use, and we reserve the 
right to disallow or remove Cashback Rewards awarded for Purchase made for other than personal, 
family or household use. Additionally, certain transactions do not count as Purchases for purposes of 
earning Cashback Rewards: 

 
 
 
 
 
 
 
•  balance transfers 

•  Cash Advances (such as the purchase of cash or cash equivalents, including casino 

chips, lottery tickets, or money orders) or ATM disbursements 

•  person-to-person money transfer 

•  use of any Convenience Checks 

• 

interest on your Account 

•  unauthorized or fraudulent charges 

• 

fees of any kind, as applicable 

Your Cashback Rewards are stored in your Account in dollars and cents and rounded to the nearest cent. 
We will add Cashback Rewards to your Account at the end of each day, based on the Purchases made 
by you, or an Authorized User, that post to your Account during the day, but minus any returns or refunds. 
The rate you earn on your Cashback Rewards on a transaction depends on the date on which your 
Purchase posts to your Account which may be up to two (2) business days after you make the 
transaction. Your Cashback Rewards amount will be displayed on our website, at www.key.com and on 
your Monthly Statement. There may be a delay between when your Cashback Rewards are added to 
your Account and when they are visible to you on the website. We may, from time to time, offer additional 
ways for you to view your Cashback Rewards amount, such as through our mobile applications. 

4. What You Will Earn. 

a. Generally. You will earn 2.0% in Cashback Rewards for each $1 spent on eligible Purchases, 
as long as you bank and save with us. This equates to $0.02 in Cashback Rewards, for each $1 
spent. For example, if you spend $100, you will earn $2.00 in Cashback Rewards. 
b. If You Do Not Bank and Save with KeyBank. If you do not bank and save with us each 
calendar month, your Cashback Rewards will be reduced to 1.5%, for each $1 spent the following 
month. For example, if you spend $100, you will earn a total of $1.50 in Cashback Rewards. We 
will determine whether you have met the bank and save criteria on the last Monday of each 
calendar month, based on your deposit and balance activity over the thirty (30) days prior to the 
immediately preceding Saturday. If you have not met the bank and save criteria, your rate for the 
following calendar month will be 1.5%. 
c. Additional Opportunities to Earn Cashback Rewards. We may offer you additional ways to earn 
Cashback Rewards through the Program. You will find out about the amount of Cashback 
Rewards you can earn, and any other relevant terms, at the time of the offer. The additional terms 
will be part of these Terms. 

5. Redeeming Your Cashback Rewards. You can redeem your Cashback Rewards at any time by 
visiting our website, at www.key.com, or by calling us at the number on the back of your Card. You may 
elect to redeem your Cashback Rewards either as a statement credit to your Account or as an electronic 
deposit into any eligible checking or savings account at KeyBank. You may redeem your Cashback 
Rewards starting at a penny, and there is no maximum redemption limit. 

a. Redeeming for a Statement Credit. A statement credit will reduce your Account Balance. 
Statement credits appear on your Bill as an adjustment and not as a Payment, so you must 
continue to pay your Minimum Payment due each month. Receipt of a statement credit does not 
affect your responsibility to pay your Minimum Payment, as shown on your Monthly Statement. 
The statement credit will generally be processed within 7 business days from the date you 
redeem your Cashback Rewards. 
b. Redeeming for an Electronic Deposit. If you elect to redeem your Cashback Rewards for an 
electronic deposit into your KeyBank checking or savings account, your funds will generally be 
deposited into your account within 7 business days from the date on which you redeem your 
Cashback Rewards. An electronic deposit may only be credited to a deposit account owned by 
you at KeyBank. 

 
 
 
 
 
 
 
6. Expiration of Cashback Rewards. Your Cashback Rewards have no expiration. However, provided 
your Account is not in Default, we will automatically issue a statement credit to your Account if your 
Account is closed, if we are notified of your death and you are the sole owner of your Account, or if your 
Account has become inactive. Your Account becomes inactive when you do not make any eligible 
Purchases for a twelve (12) month period. If your Account becomes, and remains, inactive, a statement 
credit will be issued to your Account within five (5) business days of December 31 each year. If your 
Account is closed for any reason other than as described in Section 8 hereto, you will have at least thirty 
(30) days from the date your Account is closed to redeem your Cashback Rewards; provided, however, 
that you have not already forfeited your Cashback Rewards for any of the reasons outlined in these 
Terms. If you do not redeem your Cashback Rewards before the end of the redemption period we 
provide you, your remaining Cashback Rewards balance will be redeemed as statement credit, 
pursuant to the terms of Section 5(a) hereto. 

7. When You Will Not Be Able to Earn or Redeem Your Cashback Rewards. We may temporarily 
suspend your Account from earning Cashback Rewards, or using Cashback Rewards you have already 
earned, if any of the following occurs: 

If you do not make your Minimum Payment on your Account by the Due Date. 
If we believe you have engaged in fraudulent activity related to your Account or the Program. 
If we believe you have misused the Program in any way. Examples include, but are not limited to: 

•  Buying or selling any Cashback Rewards 

•  Moving or transferring Cashback Rewards to an ineligible third party or account 

•  Repeatedly opening, or otherwise maintaining, credit card accounts for the purpose of 

generating Cashback Rewards 

If we suspend your participation in the Program, you may begin earning and using Cashback Rewards 
again in the next Billing Period after your Account is current or when we no longer suspect fraud or 
misuse of the Account or Program. 

8. When You May Lose Your Cashback Rewards. Your Cashback Rewards do not expire, subject to 
Section 6 of these Terms, as long as your Account is open. If you lose your Cashback Rewards pursuant 
to these Terms, we will not reinstate them unless we have made an error. 

a. Immediate Loss of Cashback Rewards. However, you will immediately lose any earned 
Cashback Rewards if your Account status changes, or your Account is closed for Default, for any 
of the following reasons: 

•  You fail to make the Minimum Payment due on your Account within 60 days of the Due 

Date. 

•  You fail to comply with these Terms or other agreements you have with us related to 

your Account. 

•  We believe you may be unwilling or unable to pay your debts on time. 

•  You file for bankruptcy. 

•  We believe you have engaged in fraudulent or illegal activity related to your Account or 

the Program. 

•  We believe you have misused the Program in any way, including, but not limited to, the 

circumstances outlined above in Section 7 of these Terms. 

b. Other Times You May Lose Your Cashback Rewards. 

i. Other Account Closures. If your Account is closed for any other reason, you will have at 
least 30 days from the date your Account is closed to redeem your Cashback Rewards; 
provided, however, that you have not already lost your Cashback Rewards for any of the 
reasons outlined in these Terms. If you do not redeem your Cashback Rewards before the 

 
 
 
 
 
 
 
 
 
 
end of the redemption period we provide you, you will lose any remaining earned Cashback 
Rewards. 

ii. Cancellation of the Program. If we decide to terminate the Program, you will have at least 
30 days from the date we cancel the Program to redeem your Cashback Rewards; provided, 
however, that you have not lost your Cashback Rewards for any of the other reasons outlined 
in these Terms. If you do not redeem your Cashback Rewards before the end of the 
redemption period we provide you, you will lose any remaining earned Cashback Rewards. 

9. Communications. We may send you communications about the Program at any mailing or email 
address we have for you in our records, or through our website, www.key.com, or our mobile applications. 
We may change or terminate all, or part, of these Terms. Any such changes to these Terms will be in 
accordance with applicable law, and we will provide you with notice as required by law. 

10. Other Important Information. 

a. Cashback Rewards cannot be transferred or moved unless expressly provided for in these 
Terms. Additionally, Cashback Rewards cannot otherwise be transferred by operation of law, 
such as by inheritance, in bankruptcy, or in connection with a divorce. 
b. We may assign our rights and obligations under these Terms to a third party, who will then be 
entitled to any of our rights that we assign them. 
c. We are not responsible for any disputes you may have with any Authorized Users on your 
Account about the Program. 
d. We, and our affiliates, directors, officers, employers, agents, or contractors make no 
representations or warranties, either express or implied, including, but not limited to, those of 
merchantability, fitness for a particular purpose or use, and otherwise arising from law, custom, 
usage, trade practices, course of dealing, or course of performance. You release us, and our 
affiliates, directors, officers, employers, agents, and contractors for all activity in connection with 
the Program, including, but not limited to, use of the Program, and any redemption of Cashback 
Rewards through the Program. 
e. You agree to indemnify us, and our affiliates, directors, officers, employers, agents, or 
contractors harmless from and against any loss, damage, liability, cost, or expense of any kind 
(including attorneys' fees) arising from you or your Authorized Users' use of the Program, any 
fraud or misuse of the Program, violation of these Terms, and/or violation of any applicable law or 
the rights of any third party. 
f. The Program is void where prohibited by federal, state, or local law. 
g. These Terms and the Program will be governed by federal law, and to the extent state law is 
applicable, the laws of the state of Ohio, and these laws will apply no matter where you are or use 
the Program. 
h. We may enforce these Terms at any time. We may delay enforcement without losing our right 
to enforce these Terms at a later time. If any provision of these Terms are determined to be void 
or unenforceable under any law, rule or regulation, all other provisions of these Terms will remain 
valid and enforceable. 

Last Version: April 2021 

(ID 1998-512)