4/25/2018                             eDAS Disclosure
     CARDMEMBER AGREEMENT
     Please take the time to review the following important information about your Account and retain it for
     future reference. This document, including the accompanying Rates and Fees Table and the Additional
     Terms of Your Cardmember Agreement, is an agreement between you, the Cardmember, and us,
     KeyBank National Association, and is referred to throughout this document as the "Cardmember
     Agreement" or "Agreement." If you have any questions, please call us using the number on the back of
     your Card or on your billing statement.
     Your Agreement and Promise to Pay: By using the Account, making a payment on the Account, or signing an application
     for any Card we send you, you agree to the terms of this Agreement. You agree to pay us all amounts that we lend to you on
     your Account, together with Interest Charges and fees as provided in this Agreement.
     YOUR ACCOUNT TERMS
     IMPORTANT TERMS          WHAT IT MEANS             HOW IT AFFECTS THE ACCOUNT
     You and your             All persons who applied for the Account If there are joint Cardmembers, we may
                              or who are liable on the Account by any send communications to either of you,
                              other means               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).
     We, us, our and KeyBank  KeyBank National Association We are the creditor of your Account and
                                                        the issuer of your Card.
     Credit Limit             Your credit limit is the maximum amount We will advise you of the total credit limit
                              that you can have outstanding on your on your Account when we first send you
                              Account at any time. You agree not to your Card and when we post it on your
                              request any transactions that would monthly billing statement. Your Cash
                              cause your Account balance to exceed Advance limit is only a portion of your
                              the credit limit. You are responsible for total available (unused) credit limit. Your
                              balances on your Account including total credit limit and Cash Advance limit
                              amounts charged in excess of your credit may change from time to time. We will
                              limit.                    notify you of any such changes through
                                                        your billing statement or by sending you
                                                        a separate notice, which may be after the
                                                        change occurs. If no separate Cash
                                                        Advance limit is listed on our billing
                                                        statement, then the amount of your credit
                                                        limit available for Cash Advances is your
                                                        total credit limit. We may cancel, change,
                                                        or rescind your credit availability at any
                                                        time. We may approve a transaction that
                                                        causes your Account balance to exceed
                                                        the credit limit, but we do not treat such a
                                                        transaction as a request for an increase
                                                        in your credit limit.
     Authorized Users         You are responsible for any use of your If you request, we may issue Cards that
                              Account by an authorized user or anyone access your Account to your authorized
                              else that you permit to use your Account. users. If you revoke an authorized user,
                              You must notify us to revoke an we may close your Account and issue a
                              authorized user's permission to use your new Card(s) with a different Account
                              Account. You are responsible to recover number.
                              from that authorized user and destroy
                              any Cards, checks and other devices
                              that can be used as a means of
                              accessing your Account.
     IMPORTANT DEFINITIONS
     Cash Advance        The following transactions will be treated as Cash Advances: all advances to get cash over
                         the counter, through an ATM, or other "cash-like" transactions (such as purchasing a money
                         order, traveler's check, casino betting chip, or a lottery ticket) as determined by us. We
                         sometimes call these Cash Equivalents.
     Daily Periodic Rate (DPR) The daily periodic rate for a given balance is equal to the APR for that balance divided by
                         365. It is a daily interest rate.
    https://online1.keybank.com/dcm/GetEdasDisclosure?action=special&output=html_complete&pa=INST&pg=CCA&sp=WCRB&pd=1&bn=242&name=� 1/18
    4/25/2018                             eDAS Disclosure
     Payment Due Date    This is the date by which we must receive the minimum payment in order for it to be on
                         time. Your monthly billing statement will list the Payment Due Date.
     Default
                         An Account will be in default if:
                         1) you fail to make at least the minimum payment when due; 2) you violate any other
                         provision of this Agreement; 3) we believe you may be unwilling or unable to pay your debts
                         on time; 4) you file for bankruptcy; or 5) you become incapacitated or die.
                         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.
     USING YOUR ACCOUNT
     You may use your Account only for personal, family or household purposes. You may not use your Account for illegal
     purposes, and you may not use your Account for internet gambling (even if legal). However, you are still responsible for any
     transactions that you enter into in violation of this Agreement.
     USE                      WHAT IT MEANS             HOW IT AFFECTS THE ACCOUNT
     Purchases                You may use the Account to buy goods We authorize charges to your Account in
                              and services.             accordance with the terms of the
                                                        Agreement.
     Balance Transfers and Fees You can transfer balances to your We permit Balance Transfers from most
                              Account by contacting us. We will charge accounts issued by other banks. We do
                              a Balance Transfer fee on the amount of not permit Balance Transfers from other
                              each Balance Transfer, as set forth in the accounts or loans with us or any of our
                              Rates and Fees table.     affiliates.
     Cash Advances and Fees                             We treat certain transactions as Cash
                              You may obtain cash from ATMs or at
                                                        Advances. See the Cash Advance
                              banks.
                                                        section under Your Account Terms,
                              We will charge a Cash Advance fee or above.
                              Cash Equivalent fee on the amount of
                              each Cash Advance, as set forth in the
                              Rates and Fees table.
     Checks and Fees                                    We may provide checks for your use; we
                              You may use checks provided by us to
                                                        have the right not to pay a check for any
                              access your Account (sometimes
                                                        reason. You may not use a convenience
                              referred to as "convenience checks").
                                                        check to make a payment on the
                              Checks will be added to your Purchase
                                                        Account or any other Account with us.
                              balance (but there is no grace period to
                              avoid interest charges).
                              We will charge a Convenience Check
                              Advance Fee on the amount of each
                              Convenience Check Advance, as set
                              forth in the Rates and Fees table.
     Overdraft Protection Advances and Fees
                              You may set up this Account to cover We allow your Card Account to be linked
                              overdrafts on your checking account at to a KeyBank Checking Account. Only
                              KeyBank ("Checking Account"). one OD Advance will be made each day.
                              Overdraft Protection Advances ("OD The terms of this Agreement and your
                              Advances") will be treated as Cash checking account agreement will apply.
                              Advances.                 In order to link your Card Account to your
                                                        Checking Account, all persons who
                              We will charge an Overdraft Protection
                                                        applied for the Card Account or who are
                              Transfer Fee to your Card Account each
                                                        liable on the Card Account must be
                              day an Overdraft Protection Advance
                                                        owners of the Checking Account. If at
                              occurs as set forth in the Rates and Fees
                                                        any time for any reason the persons who
                              Table.
                                                        applied for the Card Account or who are
                                                        liable on the Card Account and the
                                                        owners of the Checking Account are
                                                        different, your right to take OD Advances
                                                        will terminate.
    https://online1.keybank.com/dcm/GetEdasDisclosure?action=special&output=html_complete&pa=INST&pg=CCA&sp=WCRB&pd=1&bn=242&name=� 2/18
    4/25/2018                             eDAS Disclosure
                                                        At the end of each business day, an
                                                        automatic OD Advance will be made on
                                                        your Card Account when the total
                                                        amount of withdrawals from your
                                                        Checking Account made during the day
                                                        and service charges we post to your
                                                        Checking Account for the day, exceed
                                                        the amount of funds in your Checking
                                                        Account that is available for withdrawal.
                                                        You request that these automatic OD
                                                        Advances be made and agree that the
                                                        amount of the OD Advances will be
                                                        advanced from your Card 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. Please note that 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. You may
                                                        cancel the Overdraft Protection services
                                                        at any time by giving us written notice at
                                                        the address printed on your Card
                                                        Account monthly statement. We may
                                                        cancel your Overdraft Protection and
                                                        stop making OD Advances at any time.
     Recurring Transactions   You may authorize a third party to bill We are not responsible for recurring
                              charges on a recurring basis to your transactions if your Account is closed,
                              Account. To withdraw your authorization, suspended, or the Account number
                              you must contact the third party. If your changes. You agree that we may (but are
                              Account is closed or suspended, your not required to) provide the third party
                              Account number is changed, or to your current Account status, Card
                              withdraw authorization, you will need to number and/or expiration date to
                              contact the third party.  facilitate payments.
     Promotions               You may receive special offers related to Any special offer is subject to this
                              your Account.             Agreement, unless specified otherwise.
     Rewards                  If your Account provides you with the We will provide you with all information
                              opportunity to earn rewards, points may and terms about your rewards
                              be redeemed for brand named separately. We will include on your billing
                              merchandise, gift cards, travel rewards, statement all rewards you have earned.
                              or other redemption items as we
                              determine from time to time.
     Foreign Transaction Fee and Exchange For transactions that take place outside Mastercard International ("Mastercard")
     Rate                     the United States, a fee may be will convert transactions made in a
    https://online1.keybank.com/dcm/GetEdasDisclosure?action=special&output=html_complete&pa=INST&pg=CCA&sp=WCRB&pd=1&bn=242&name=� 3/18
    4/25/2018                             eDAS Disclosure
                              assessed on the U.S. Dollar amount of foreign country using a government-
                              the transaction. See the Rates and Fees mandated or wholesale rate in effect on
                              Table above for the fee applicable to the the processing date (which may differ
                              Account.                  from the rate on the date of your
                                                        transaction). The rate used may differ
                                                        from the rate that Mastercard actually
                                                        receives.
     Authorization of Transactions/Closing the You may close your Account at any time We may refuse to authorize any
     Account                  by notifying us either in writing at the transactions at our sole discretion, even
                              address shown on your billing statement if there is sufficient available credit. We
                              or by phone at the number provided on are not responsible for any losses
                              your billing statement. We will not honor associated with a declined transaction.
                              any convenience check or authorize any We may close your Account or terminate
                              transactions after your Account is closed. your credit privileges at any time for any
                              You remain responsible for any balance reason, subject to applicable law. Your
                              on your Account.          Account balance will continue to accrue
                                                        Interest Charges and fees and remain
                                                        subject to all terms of this Agreement. If
                                                        we do so, you may not use your Card or
                                                        any checks we have issued.
     Amendment  
     Effective on and after May 11, 2018, the section above entitled: Foreign Transaction Fee and Exchange Rate, will be revised as follows:
     USE                      WHAT IT MEANS             HOW IT AFFECTS THE ACCOUNT
     Foreign Transaction Fee and Exchange � A Foreign Transaction is a Purchase � Transactions you initiate in the United
     Rate                     and/or Cash Advance that you either (i) States through the internet may be
                              make in a foreign currency or (ii) make considered made outside the United
                              outside of the United States or its States if the merchant is located outside
                              territories, even if made in U.S. dollars. of the United States, and therefore may
                              Regardless of the above language, Key be considered a Foreign Transaction and
                              will not treat as a Foreign Transaction subject to a Foreign Transaction Fee.  
                              any transaction that is both (i) made in � Mastercard International ("Mastercard")
                              Canadian dollars or U.S. dollars, and (ii) will convert foreign currency transactions
                              made with a merchant whose business is using a government-mandated or
                              located in Canada and/or the United wholesale rate in effect on the
                              States or the territories of the United processing date (which may differ from
                              States.                   the rate on the date of your transaction
                              � Foreign Transactions may be assessed or the posting date). The rate used may
                              a Foreign Transaction Fee as set forth in differ from the rate that Mastercard
                              the Rates and Fees Table. actually receives.
     End of Amendment
     MAKING PAYMENTS
     You will receive a billing statement each month, if one is required. It will show your minimum payment and the Payment Due
     Date, and will provide instructions for making your payment.
     IMPORTANT INFORMATION    WHAT IT MEANS             HOW IT AFFECTS THE ACCOUNT
     Payment Instructions     You must follow the payment instructions As long as you make your payment in
                              provided on your monthly billing accordance with the instructions on your
                              statement. All payments made by check billing statement by the date and time
                              must be drawn on a U.S. financial payments are due, we will credit your
                              institution in U.S. Dollars. You authorize payment as of the day it is received. We
                              us to either use information from your may accept and process late, partial and
                              check to make a one-time electronic fund payments marked as "paid in full" without
                              transfer from your account or to process losing our rights under this Agreement.
                              the payment as a check transaction. Any such payment must be sent to the
                                                        special address identified on your
                                                        statement.
     Minimum Payment          You agree to pay at least the minimum We will calculate your minimum payment
                              payment when due. You also agree to based on the method described in the
                              pay any past due amounts and also any Additional Terms of Your Cardmember
                              amounts in excess of your credit limit Agreement. The minimum payment will
                              when billed on your monthly billing appear on your monthly billing statement,
                              statements or sooner if we ask. and may include any past due amounts
    https://online1.keybank.com/dcm/GetEdasDisclosure?action=special&output=html_complete&pa=INST&pg=CCA&sp=WCRB&pd=1&bn=242&name=� 4/18
    4/25/2018                             eDAS Disclosure
                                                        and any amounts in excess of your credit
                                                        limit.
     How to Avoid Paying Interest on � You need to pay in full on or before the
                                                        Except as described in the column on the
     Purchases and When We Begin to Due Date the "New Balance" on your Bill
                                                        left, we add new Purchases to your
     Charge Interest          in order to receive a Grace Period on
                                                        Account, and they begin to accrue
                              your Purchases. As long as you continue
                                                        Interest Charges, on the date of the
                              to pay the entire "New Balance" on your
                                                        transaction.
                              Bill on or before the Due Date each
                              consecutive Billing Period, your There is no grace period for Balance
                              Purchases will receive a Grace Period. If Transfers or Cash Advances. We add
                              you do not pay your Bill in full (including new Balance Transfers, Overdraft
                              the amount of any special promotions, Protection Advances, Checks or Cash
                              Convenience Check offers, etc.), you will Advances to your Account no earlier than
                              lose your Grace Period.   the date of the transaction (for Checks,
                                                        the date the payee deposits the Check).
                              � If you lose your Grace Period by
                                                        We may choose to add fees to your
                              making only a partial payment that is at
                                                        Account on the date of the related
                              least equal to the Minimum Payment due
                                                        transaction, the date they are posted, or
                              on or before the Due Date, then in the
                                                        the last day of the billing period.
                              next Billing Period, we will apply your
                              partial payment as of the first day of that Amounts added to your Account remain
                              next Billing Period.      subject to Interest Charges until paid in
                                                        full.
                              � 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.
     Application of Payments  If you make more than the minimum We may apply the amount of your
                              payment when due, the excess above payment less than or equal to your
                              the minimum payment is applied to minimum payment and any credits to
                              balances with the highest APRs first. 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.
     Credit Balances          You may request a refund of credit If no refund is requested, we will apply
                              balances at any time.     credit balances to new transactions,
                                                        unless prohibited by law.
     INTEREST CHARGES
     CALCULATION        HOW WE DO THIS
     We calculate the Daily by taking the beginning balance for each type of transaction each day, adding any new
     Balance for each day transactions and any accrued but unpaid interest for the prior day, and then subtracting any
                        payments and/or credits and other adjustments. We treat any daily balance that is a credit
                        balance as a zero balance.
     We calculate the Average by adding all of the Daily Balances for each day in the billing period and then dividing by the
     Daily Balance      total number of days in the billing period.
     We calculate the Interest by applying the daily periodic rate (DPR) for that balance to the "average daily balance" for
     Charges for each balance that balance. We multiply the result by the number of days in the billing cycle. That gives us
                        the total Interest Charges for that balance for that billing period.
     We add the Interest Charged by adding the Interest Charges to the balance to which it applies (for example, we add
     to the Account     Interest Charges on the Purchases balance to the Purchases balance). Cash Advance,
                        Overdraft Protection Transfer, and convenience check fees are added to the Cash Advance
    https://online1.keybank.com/dcm/GetEdasDisclosure?action=special&output=html_complete&pa=INST&pg=CCA&sp=WCRB&pd=1&bn=242&name=� 5/18
    4/25/2018                             eDAS Disclosure
                        balance and Balance Transfer fees are added to the Balance Transfer balances, as
                        applicable, and all other fees are added to the Purchases balance.
     We add the Minimum Interest by adding the amount set forth in the Rates and Fees table to one or more of the categories
     Charge             of transactions in which there are balances. We apply the Minimum Interest Charge for any
                        month where Interest Charges are due but are calculated as less than the Minimum Interest
                        Charge.
     FEES AND OTHER ACTIONS
     There may be times when circumstances result in a fee or other action being assessed on the Account. The Rates and Fees
     Table lists the amounts of these fees. All such fees will be added to the Purchase balance, unless otherwise indicated.
     Additional fees for special services you request may apply. You will be advised of the amount of such fees at the time of your
     request.
     TO AVOID                 ACTIONS YOU MUST TAKE     WHAT WE WILL CHARGE YOU
     Late Payment Fee         Ensure that we receive at least the If any payment is late, we may charge
                              minimum payment by the Payment Due you a late payment fee. See the Rates
                              Date shown on the monthly billing and Fees Table for the late payment fee
                              statement.                applicable to your Account. In no event
                                                        will your late payment fee exceed the
                                                        amount of your minimum payment due.
     Stop Payment Fee         Do not stop payment on checks. We may charge a stop payment fee of
                                                        $34.00 if we stop payment on a check at
                                                        your request.
     Collections              Do not default.           If the Account is in default, we may take
                                                        the actions described above in the
                                                        Default section under Important
                                                        Definitions, above.
     Statement Reprint Fee    You can request a copy of your We will add a Statement Reprint fee of
                              statement.                $6 to your purchase balance if you
                                                        request a copy of your monthly
                                                        statement.
                              You can request that a new or We will add a Rush Order fee of $25 to
     Rush Order Fee -
                              replacement card be sent to you on an your Purchase balance if you request
     Card Replacement         expedited basis.          that a new or replacement card be sent
                                                        to you on an expedited basis.
     FAQ                      WHAT YOU MUST DO          HOW IT AFFECTS THE ACCOUNT
     My Card is lost or stolen, or my Account Contact us immediately and stop using You will not be liable for any
     has been compromised?    your Account. Contact us at the address unauthorized use that occurs after you
                              or telephone number listed on your billing notify us. You may, however, be liable for
                              statement or Card.        unauthorized use that occurs before your
                                                        notice to us. In any case, your liability will
                                                        not exceed $50.
     My Account is closed or suspended? You must still repay all amounts you owe You remain responsible for your balance.
                              under this Agreement.
     My name, address, telephone number of Notify us of any change. We may also ask you to provide us
     other information has changed.                     updated financial information about you,
                                                        and you agree to do so.
     ARBITRATION AND WAIVER OF JURY TRIAL RIGHTS
     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.
     Arbitration Provision. 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 provision between you and us. This Arbitration Provision will apply to the Account(s) unless
     you notify us in writing that you reject the Arbitration Provision within 60 days of opening the Account(s). 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
    https://online1.keybank.com/dcm/GetEdasDisclosure?action=special&output=html_complete&pa=INST&pg=CCA&sp=WCRB&pd=1&bn=242&name=� 6/18
    4/25/2018                             eDAS Disclosure
     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).
     As used in this Arbitration Provision, the word "Claim" means any claim, dispute, or controversy between you and us arising
     from or relating to this Agreement or the Account(s), including without limitation, the validity, enforceability, or scope of this
     Arbitration Provision or this Agreement. "Claim" or "Claims" include 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.
     This Arbitration Provision will not apply to Claims previously asserted, or which are later asserted, in lawsuits filed before the
     effective date of this Arbitration Provision or any prior arbitration provisions 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 PARTICPATE 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 BYA 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. 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. 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. 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
     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.
     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 consisted with the FAA, it shall not invalidate the
    https://online1.keybank.com/dcm/GetEdasDisclosure?action=special&output=html_complete&pa=INST&pg=CCA&sp=WCRB&pd=1&bn=242&name=� 7/18
    4/25/2018                             eDAS Disclosure
     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.
                               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.
     OTHER TERMS OF THE RELATIONSHIP
     Communications
                          We may send Cards, statements, and other communications to you at any mailing or
                          email address in our records. By providing a telephone number for a cellular telephone,
                          other wireless device, or a landline number that was later converted to a wireless device,
                          you are expressly consenting to receiving communications at that number, including, but
                          not limited to, prerecorded or artificial voice message calls, text messages, and calls
                          made by an automatic telephone dialing system from KeyBank and its affiliates and
                          agents. This express consent applies to each such telephone number that you provide to
                          us now or in the future and permits such calls regardless of their purpose. These calls
                          and messages may incur access fees from your cellular provider.
                          We may also send an email to any address where we reasonably believe we can contact
                          you. Some of the legal purposes for calls and messages include: suspected fraud or
                          identity theft, obtaining information; transaction on or servicing of the Account; collecting
                          on the Account, and providing you information about product and services. Notify us
                          immediately of any changes to your contact information using the address or phone
                          number shown on your billing statement.
     Telephone Monitoring We may listen to and record your telephone calls with us.
     Credit Information   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. We may also
                          provide information about your Account to credit reporting agencies and others. We may
                          provide information to credit reporting agencies about this Account in the name of an
                          authorized user. If you think we provided incorrect information, write to us at the address
                          provided on your billing statement and we will investigate.
     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.
     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.
     Amendments           We may change or terminate all or any part of this Agreement, including 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.
     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.
     Severability         Except as specifically provided in the arbitration section above, 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.
     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 transactions
                          are restricted.
     YOUR BILLING RIGHTS - Keep this document for future use
    https://online1.keybank.com/dcm/GetEdasDisclosure?action=special&output=html_complete&pa=INST&pg=CCA&sp=WCRB&pd=1&bn=242&name=� 8/18
    4/25/2018                             eDAS Disclosure
     This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.
     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 billing 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 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.
     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 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.
     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 credit 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 credit card for the purchase. Purchases made with cash advances from an ATM or with
            a check that accesses your credit card 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 billing 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.
     Additional Disclosures for Residents of Specific States
     Ohio Residents: The Ohio laws against discrimination require that all creditors make credit equally available to all credit
     worthy customers and that credit reporting agencies maintain separate credit histories on each individual upon request. The
     Ohio Civil Rights Commission administers compliance with this law.
     New York and Maine Residents: You agree to give us permission to obtain one or more credit reports from consumer
     reporting agencies in connection with the application, any transaction or extension of credit that may result from this
    https://online1.keybank.com/dcm/GetEdasDisclosure?action=special&output=html_complete&pa=INST&pg=CCA&sp=WCRB&pd=1&bn=242&name=� 9/18
    4/25/2018                             eDAS Disclosure
     application, and on an ongoing basis, for the purposes of performing a routine and occasional verification of credit 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.
     New York Residents: New York residents may contact the New York State Department of Financial Services by telephone
     at 1-800-342-3736 or visit its website (www.dfs.ny.gov/consumer/creditdebt.htm) for free information on comparative credit
     card rates, fees.
     Vermont Residents: By signing below you consent to KeyBank obtaining and verifying information about you (which may
     include a consumer credit report) that we deem necessary in evaluating your loan application, including information about
     your employment, banking, and credit relationships. If your application is approved and the loan is made, you also authorize
     us to obtain additional credit reports or other information about you in connection with reviewing the account, increasing the
     credit line on the account, for the purpose of taking collection action on the account, or for other legitimate purposes
     associated with the account.
     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.
                                                   �
                      Key2More Rewards Mastercard     Credit Card
                                   As of April 25, 2018
                               Interest Rates and Interest Charges
     Annual Percentage Rate (APR) for Purchases
                                            00.00 % Introductory APR for the first 6 monthly billing
                                            cycles. After that, your APR will be 14.49 % to
                                            23.49 % based on your creditworthiness. This APR will
                                            vary with the market based on Prime Rate.
     APR for Cash Advances
                                            25.49 %.This APR will vary with the market based on Prime
                                            Rate.
     APR for Balance Transfers
                                            00.00 % Introductory APR for the first 6 monthly billing
                                            cycles following account opening when balance is
                                            transferred within the first 60 days following account
                                            opening. After that, your APR will be 14.49 % to 23.49 %
                                            based on your creditworthiness. This APR will vary with the
                                            market based on Prime Rate.
     Paying Interest
                                            Your payment due date is at least 25 days after the close of
                                            each billing cycle. We will not charge you any interest on
                                            purchases if you pay your entire balance by the due date of
                                            each month. We will begin charging interest on cash
                                            advances, convenience check advances and balance
                                            transfers on the transaction date.
     Minimum Interest Charge                If you are charged interest, the charge will be no less than
                                            $00.50 .
     For Credit Card Tips from the Consumer Financial To learn more about factors to consider when applying for or
     Protection Bureau                      using a credit card, visit the website of the Consumer
                                            Financial Protection Bureau
                                            http://www.consumerfinance.gov/learnmore
                                         Fees
     Annual Fee                             None
     Transaction Fees:
    https://online1.keybank.com/dcm/GetEdasDisclosure?action=special&output=html_complete&pa=INST&pg=CCA&sp=WCRB&pd=1&bn=242&name� 10/18
    4/25/2018                             eDAS Disclosure
     Balance Transfer Fee                   Either $10.00 or 4% of the amount of each transaction,
                                            whichever is greater.
     Cash Advance Fee                       Either $10.00 or 4% of the amount of each transaction,
                                            whichever is greater.
     Convenience Check Advance Fee          Either $10.00 or 4% of the amount of each transaction,
                                            whichever is greater.
     Cash Equivalent Fee                    Either $10.00 or 4% of the amount of each transaction,
                                            whichever is greater.
     Overdraft Protection Transfer Fee      $10.00
     Foreign Transaction Fee                3% of the amount of each foreign transaction after its
                                            conversion into U.S. dollars
     Penalty Fees:
     Late Payment Fee                       Up to $37.00
     How We Calculate Your Balance: We use a method called the average daily balance method (including new purchases).
     Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your
     Cardmember Agreement.
     Loss of Introductory APR: If you make a late payment, we may end offering you a lower introductory APR and begin
     charging you the higher APR (for both Purchases and Balance Transfers) that is specified in the table above and scheduled
     to take effect after the introductory APR is no longer effective.
     Amendment  
     Effective on and after May 11, 2018, the following three (3) rows in the section above entitled: Transaction Fees: will be revised:
     The Balance Transfer Fee percentage will be reduced from 4% to 3%. The new text will be: Either $10.00 or 3% of the amount of each transaction,
     whichever is greater.  
     The Convenience Check Advance Fee percentage will be reduced from 4% to 3%. The new text will be: Either $10.00 or 3% of the amount of each
     transaction, whichever is greater.  
     The following two (2) sentences will be added to the end of the current Foreign Transactions verbiage: Transactions originating in Canada are excluded
     from this fee. Refer to Terms & Conditions. The new text will be: 3% of the amount of each foreign transaction after its conversion into U.S. Dollars.
     Transactions originating in Canada are excluded from this fee. Refer to Terms & Conditions.  
     End of Amendment
     KeyBank Rewards Program Terms and Conditions
     These terms and conditions (the "Program Rules") are provided by KeyBank National Association ("KeyBank") to govern the use of the KeyBank
         � Rewards  Program (the "Program"). Services provided by the KeyBank Rewards Program are additionally governed by any other separate agreement(s)
     Customer may have with KeyBank, and any amendments or changes made to these Program Rules.
     By enrolling in the Program, Customer agrees to be bound by these Program Rules. From time to time we may change the Program Rules. When any
     change is made, we will post revisions at our website and/or we will notify you in writing, as applicable. It is your responsibility to review the Program Rules to
     be aware of any changes. Your continued participation or failure to terminate your participation in the Program will evidence your acceptance of the changes
     and your agreement to be bound by them.
     "Customer," "you" or "your" shall mean the person, persons or entities in whose name the Rewards Account is carried on the books of KeyBank and shall
     include the masculine and feminine genders and the plural as well as the singular wherever the context so permits. "Us," "our" and "we" shall mean
     collectively KeyBank and all of its affiliates and subsidiaries. "Consumer" means an individual non-business Customer and a "Business" means a business
     Customer. Notices and other communications to a Business Customer will be made to the Business.
     I. Reward Programs
     Under the Program, you may earn and use points ("Rewards Point(s)") to obtain a variety of rewards ("Rewards") including merchandise, gift cards, travel
     rewards, cash back and domestic U.S. air travel rewards as full payment for goods or services available through us. You may earn Rewards Points as set
     forth in Section III below.
     Until April 2015 KeyBank maintained two rewards programs, the "Basic Rewards Program", and an enhanced rewards program with additional ways to
     earn points known as the KeyBank Relationship Rewards Program ("Relationship Rewards Program" or "Relationship Rewards"). As of April 2015, the
     Basic Rewards Program was terminated and all enrolled Customers are now Customers of the Relationship Rewards Program. The Program Rules will
     govern the Program, as may be amended from time to time.
     If you are enrolled in the Program, you will have a rewards account ("Rewards Account") as further described in Section IV.1.
     II. Enrollment & Access to Rewards Account.
     1. Generally. To receive benefits under the Program, enrollment of one or more Eligible Products is necessary. Any Signer on an Eligible Product may enroll
     such Product into the Program, and once an Eligible Product is enrolled, then all other Signers of such enrolled Eligible Product will automatically be enrolled
     into the Program. Annual Fees are assessed based upon the Eligible Product(s) which is/are enrolled and the type of Program chosen. The ability to earn
     points varies upon the Eligible Products which are enrolled in the Program all as further detailed below in Section III entitled Earning Points.
     2. Enrollment. Enrollment enables Rewards Points to begin accruing relative to an Enrolled Product and/or an Enrolled Signer.
    https://online1.keybank.com/dcm/GetEdasDisclosure?action=special&output=html_complete&pa=INST&pg=CCA&sp=WCRB&pd=1&bn=242&name� 11/18
    4/25/2018                             eDAS Disclosure
         a. Eligible Checking Accounts. To enroll, any Signer on an Eligible Checking Account may call Key's Customer Service (1-800-KEY2YOU or 1-
         888KEY4BIZ), log into Key's Online Banking (if such Signer is enrolled in Online Banking), or visit a KeyBank branch. KeyBank will process your
         enrollment request as to the Eligible Checking Account and thereafter enroll all Signers of such Eligible Checking Account. An Eligible Checking
         Account that has been enrolled in the Program will be referred to in this Agreement as an "Enrolled Checking Account." 
         b. Eligible Credit Card Accounts. All Signers on a credit card issued by KeyBank on or after May 24, 2013, and bearing a plastic number with
         the first 6 digits of 524924, 519945, 552356, or 519731, (herein an "Eligible Credit Card"), are automatically enrolled in the Relationship Rewards
         Program and the Eligible Credit Card is also automatically enrolled. From time to time KeyBank may determine that other credit card accounts,
         which it has acquired or which it may hereafter acquire, are eligible to join the Program, subject to additional terms and conditions. 
         c. Conversion Credit Card Accounts. Key has converted, and will from time to time convert various credit card portfolios to KeyBank's
         Relationship Rewards Program all as set forth in Section II of Schedule II.2 (herein the "Conversion Accounts"). All Conversion Accounts will
         both be a subset of Eligible Credit Cards and unless specifically designated otherwise, will have the same terms and conditions of all other Eligible
         Credit Cards.
     3. Access. You may access your Rewards Account by the following methods, subject to the limitations set forth below.
      a. Electronic access. You must be enrolled in Key's electronic online banking which is known as Online Banking for consumer customer access and
      Key Business Online for business customers. For information on how to access KeyBank's Online Banking or Key Business Online website, and enroll if
      you are not yet enrolled, please visit www.key.com. Once you have entered Key's Online Banking website or Key Business Online, you can click on the
      rewards link to access your Rewards Account which will take you to KeyBank's rewards website (herein referred to as the "Rewards Website"). The
      only way to electronically access the Rewards Website is through Online Banking or Key Business Online websites. 
      b. Telephone access . You may call 1-888-333-7780 to access the KeyBank Rewards Center ("herein the "KeyBank Rewards Center") to redeem
      Rewards Points. Representatives are available Monday through Friday, 7 a.m. to 9 p.m. EST and Saturday through Sunday, 9 a.m. to 6 p.m. EST. 
      c. Limitations. 
         i. For certain Conversion Accounts, until your Credit Account has been issued new Credit Cards with multi-card functionality, only the Primary
         Signer on the Credit card will have the ability to access the Rewards Website electronically and all other Signers of such Credit Card Account will
         need to access the Rewards Website through telephonic access. Once your Credit Card Account has been provided multi-card functionality, all
         Signers will be able to access the Rewards Website through electronic access.
         ii. For all Business Credit Card Accounts that use Key Business Online to access their Credit Card Account, only the Primary Signer, and if
         applicable the administrator designated pursuant to section II.5(b)(ii) above, will be able to sign into the Rewards Website.
     4. Eligible Products. A product eligible for enrollment in the Program is a checking account or a credit card account listed in Table 1 of this Section II
     (referred to singularly as an Eligible Checking Account or an Eligible Credit Card Account or an "Eligible Product" or collectively as "Eligible Products"),
     except that a checking account listed in Table 1 will not be considered an Eligible Checking Account if such account is opened as an agency account,
     custodial account, estate account, or guardianship account. Eligible Products may become ineligible as set forth in Section VI below. Debit cards are no
     longer eligible for enrollment on a stand alone basis; rather, usage of a debit card that accesses an Enrolled Checking Account (herein a "Debit Card") is
     permitted to earn points as set forth in Section III.
     5. Signers and Primary Signers. A "Signer" always refers to an individual and not to an entity, organization, trust or other business. Signers for Eligible
     Checking Accounts and Eligible Credit Card Accounts are further defined as follows:
         a. Signer on an Eligible Checking Account. A signer is an individual who signs a signature card (i) in his or her own individual capacity, or (ii) on
         behalf of an entity, organization or trust. Additionally, a signer may be a person designated on KeyBank's systems, books or records as being a
         signer. The owner of an account may be different than the actual signers. A signer includes sole owners, co-owners, powers of attorney,
         authorized minor users and trustees. An authorized user of a Debit Card who has not signed the signature card, is not a Signer for the purposes of
         this Agreement or the Program. 
         b. Signer on an Eligible Credit Card Account. A signer is an individual who is obligated to repay the outstanding amount under an Eligible Credit
         Card. A signer includes a borrower, co-borrower or guarantor of the Eligible Credit Card. Additionally, if the Eligible Credit Card is a business credit
         card for which the business is the obligor, then signer shall also include (i) the individual who is the legal representative of the business who
         applied for the business to receive the Eligible Credit Card and/or (ii) an administrative person the Business has designated to manage the
         Rewards Account including viewing and redeeming Points earned by the business. Additionally, a signer may be a person designated on
         KeyBank's systems, books or records as being a signer. An authorized user of an Eligible Credit Card who is not a signer as defined in this
         subsection is not a Signer for the purposes of this Agreement or the Program.  
         c. Primary Signer. The "Primary Signer" is the Signer whose name appears first on our records for the Eligible Checking Account. For an October
         2013 Conversion Account, an October 2014 Conversion Account or an October 2016 Conversion Account, the Primary Signer will be the borrower,
         and all co-borrowers and/or guarantors will be considered other Signers.
     6. Annual Fee. The annual membership fee will depend on the type of Eligible Product you have enrolled and the Rewards Program you are enrolled in as
     set forth in the chart below. There is no annual membership fee if you are enrolling in the Program solely by virtue of being a signer on an Eligible Credit
     Card; however, should you wish to also enroll an Eligible Checking Account to be eligible to earn additional points pursuant to the Program's terms and
     conditions, you will need to pay the associated annual fee for the Eligible Checking Account. The annual membership fee is charged on an Eligible Product
     basis and not on a Signer basis. Therefore, regardless of the numbers of Signers on an Eligible Product, only one annual membership fee will be charged to
     a particular Eligible Checking Account. If you enroll more than one Eligible Checking Account in the Program, you will be charged the corresponding annual
     membership fee for each Eligible Checking Account enrolled.
         a) This membership fee is subject to change without notice. 
         b) If a Program annual membership fee applies, you authorize KeyBank to charge this fee automatically to your Enrolled Checking Account on the
         first Checking Account statement cycle date after enrollment and then annually thereafter on the statement that includes the anniversary date of
         enrollment unless you notify KeyBank of cancellation of participation in the Program at least 60 days prior to the enrollment anniversary. This
         annual membership fee is non-refundable.
     Table 1: Eligible Accounts and Related Annual Fees
                                                                Relationship Rewards Annual
     Account Type - Non-Business
                                                                       Fee
     Key Privilege Select Checking                                   Fee waived
     Key Privilege Checking                                          Fee waived
     Sweep Checking                                                  Fee waived
    https://online1.keybank.com/dcm/GetEdasDisclosure?action=special&output=html_complete&pa=INST&pg=CCA&sp=WCRB&pd=1&bn=242&name� 12/18
    4/25/2018                             eDAS Disclosure
     Key Private Bank Personal Checking                              Fee waived
     Key Private Bank Money Market Checking                          Fee waived
     Key Advantage Checking                                            $30
     Key Coverage Checking                                             $40
     Key Express Checking                                              $40*
     Key Student Checking                                              $40*
     KeyBank Hassle-Free Account                                       $40*
     Other Non-Business Checking Accounts Not Listed                   $40*
     Any Credit Card listed in Section I.A. of Schedule II.2         Fee waived
     Conversion Accounts                                             Fee waived
                                                                Relationship Rewards Annual
     Account Type - Business
                                                                       Fee
     Key Business Rewards Checking                                   Fee waived
     KeyBank Basic Business Checking                                   $40*
     KeyBank Business Interest Checking                                $40*
     Other Business Checking Accounts Not Listed                       $40*
     Any Credit Card listed in Section I.B. of Schedule II.2         Fee Waived
     Conversion Accounts                                             Fee waived
     *For Customers who were enrolled in Basic Rewards Program, the fee will remain $30 until on or after April 1, 2016, then the fee will be $40 per year. The
     change in annual fee will be assessed based on the Rewards anniversary date.
     III. Earning Points.
     1. Generally. If you are in the Program and have an Enrolled Checking Account (defined in Section II), you may earn points for certain transactions or bonus
     activities outlined below and for opening new Relationship Products (defined below) and/or increasing the balance of certain of the Relationship Products as
     specified below. If you have an enrolled Eligible Credit Card Account, but do not have an enrolled Eligible Checking Account , then you may earn points for
     certain transactions and bonus activities outlined in the Guide (defined below), but you will be limited in your ability to earn points for opening new
     Relationship Products. Transactions of authorized users of both Debit Cards and Eligible Credit Cards may earn Rewards Points; however, such an
     authorized user will not be able to view or redeem Rewards Points as set forth in Section IV.
     2. Guide. KeyBank publishes guides to set forth qualification criteria for earning Rewards Points for particular transactions and events. The KeyBank
     Relationship Rewards Points Guide includes information concerning Activity and Bonus Points, Relationship Rewards Product Points and general Rewards
     Points, applicability to Enrolled Checking Accounts and enrolled Eligible Credit Cards, and further qualification and earn rates as specified therein
     (hereinafter referred to as the "Guide"). The Guide is specifically incorporated into and made a part of the Program Rules and may be modified by KeyBank
     at any time. The Guide is available at www.key.com under the rewards tab. KeyBank reserves the right, in its sole discretion to determine (1) whether any
     product or service is a Relationship Product eligible to earn Rewards Points, (2) whether any transaction, product or service is eligible to earn Activity and
     Bonus Points (defined below), and (3) whether to provide any product or service to any person or Customer. Important additional information regarding
     Activity and Bonus Event types, qualifications, and amount of points earned, is contained in the Guide. Different Activity and Bonus Events may apply for
     Consumer and Business Customers, and for Customers in KeyBank's Private Bank. Activity and Bonus Points may be earned for single transactions and for
     recurring activity, and are subject to monthly caps. Please refer to the Guide for details.
     3. Net Purchases. The term Net Purchases is defined as the dollar value of goods and services purchased with a Debit Card or Eligible Credit Card after the
     enrollment date, minus (a) any credits, returns or other adjustments as reflected on the monthly statements, (b) the value of all Excluded Transactions, and
     (c) all annual membership fees, late payment fees, over-limit fees, insurance charges, card-related service charges, finance charges, fees and/or
     unauthorized charges.
     4. Activity and Bonus Points with Enrolled Checking Account. If you are enrolled in the Relationship Rewards Program, in addition to earning points by
     use of your Debit Card, you may earn Rewards Points when you perform certain activities associated with your Enrolled Checking Account and upon the
     occurrence of certain events ("Activity and Bonus Events"). These Rewards Points will be known as "Activity and Bonus Points." Important additional
     information, including without limitation, qualification requirements, point amounts and monthly point caps for Activity and Bonus Points are contained in the
     Guide. Subject to inclusion in the Guide, Activity and Bonus Events may include the activities enumerated below dependent upon whether the Enrolled
     Checking Account associated with the particular activity is consumer or business in nature.
     Consumer Enrolled Account             Business Enrolled Account
     Use of online statements              Use of online statements
     Debit card transactions               Debit card transactions
     Automated debit or credit transactions Automated debit or credit transactions
     Online bill payments                  Online bill payments
     ATM deposits                          N/A
     Birthday Bonus                        N/A
     Mobile Deposit                        N/A
    https://online1.keybank.com/dcm/GetEdasDisclosure?action=special&output=html_complete&pa=INST&pg=CCA&sp=WCRB&pd=1&bn=242&name� 13/18
    4/25/2018                             eDAS Disclosure
     A Birthday Bonus is an award of Rewards Points associated with your Enrolled Checking Account on the birthday of the Primary Signer on the Eligible
     Checking Account.
     5. "Relationship Product" and Relationship Rewards Product Points for Consumer Customers with Enrolled Checking Account. Product Point(s)
     with respect to a Consumer are Rewards Points which are awarded as set forth below for expanding the Consumer Relationship with KeyBank by opening or
     establishing a new eligible product or service, such eligible products or services may include the products or services set forth below, but will be limited to the
     actual products or services set forth in the Guide, and Product Point awards will be subject to all requirements set forth in the Guide, including, but not limited
     to qualification criteria, point amounts, annual point caps and other relevant information contained in the guide which may change from time to time as set
     forth in Section III.2 above:
     "Relationship Product(s)" to Expand a Consumer Enrolled Checking Account Relationship
                              �                       � Savings Accounts (Key Gold Money Market Savings  Account and Key Silver Money Market Savings  Account)
     Personal Certificates of Deposit
     Loans for Autos, Boats, Recreational Vehicles and Motorcycles
     Personal Secured and Unsecured Loans (includes home improvement and other collateral secured installment loans)
     Home Equity Lines of Credit and Loans
     Preferred Credit Line
     Mortgages
     Regardless of who opens the Relationship Product, Product Point(s) with respect to Consumer Enrolled Checking Accounts will be awarded to each
     Consumer Enrolled Checking Account which has a Signer in common with said Relationship Product, provided however that the number of awards shall
     never exceed the lesser of (i) the number of Consumer Enrolled Checking Accounts, or (ii) the number of Signers on said Relationship Product. Product
     Point awards will be made with respect to Enrolled Checking Accounts bearing the lowest sequential account number to highest until the maximum number
     of awards is reached. Additionally, from time to time through special offers from KeyBank, Relationship Rewards Product Points may be awarded for
     increasing the balance in your savings account or Certificate of Deposit or for renewing your Certificate of Deposit. Only products or services opened or
     established after your enrollment in the Relationship Rewards Program qualify for Relationship Rewards Product Points. Relationship Products may differ for
     Consumer and Private Bank Customers. Please refer to the Guide for details.
     6. "Relationship Product" and Relationship Reward Product Points for Business Customers with Enrolled Checking Account. Product Point(s) with
     respect to a Business are Rewards Points which are awarded as set forth below for expanding the Business Relationship with KeyBank by opening or
     establishing new eligible business products or services, which may include the products or services set forth below, but will be limited to the actual products
     or services set forth in the Guide, and Product Point awards will be subject to all requirements set forth in the Guide, including, but not limited to qualification
     criteria, point amounts, annual point caps and other relevant information contained in the Guide which may change from time to time as set forth in Section
     III.2 above.
     "Relationship Product(s)" to expand a Business Enrolled Checking Account Relationship
                                   �                        � Savings Accounts (Key Business Gold Money Market Savings  and Key Business Silver Money Market Savings  Account)
     Business and Small Business Certificates of Deposit
                 � Key Equipment Finance  Loan/Lease (excluding Competitive Equality Banking Act of 1987 (CEBA) Leases)
     Commercial Term Loan
     Commercial Lines of Credit
     Small Business Line of Credit
     Key Merchant Services
     Regardless of who opens the business Relationship Product, Product Point(s) with respect to a Business Enrolled Checking Account will be awarded to each
     Business Enrolled Checking Account which has a Signer in common with said Relationship Product, provided however, that the number of Product Point
     awards shall never exceed the lesser of (i) the number of Business Enrolled Checking Accounts, or (ii) the number of Signers on said Relationship Product.
     Product Point awards will be made with respect to Enrolled Checking Accounts bearing the lowest sequential account number to highest until the maximum
     number of awards is reached. Additionally, from time to time through special offers from KeyBank, Relationship Rewards Product Points may be awarded for
     increasing the balance in your savings account or Certificate of Deposit or for renewing your Certificate of Deposit. Only products or services opened or
     established after your enrollment in the Relationship Rewards Program qualify for Relationship Rewards Product Points.
     7. Points for Enrolled Credit Card Accounts. KeyBank offers varying levels of Rewards Points depending upon your credit card type. Subject to the terms
     of the Guide, Rewards Points will be awarded for the amount of credit card transaction activity, including bonuses for recurring payments and choosing online
     statement delivery. Additionally, to reward customers who also have an Eligible Checking Account with KeyBank (regardless of enrollment status), when you
     open an Eligible Credit Card, KeyBank will provide Rewards Points to a Signer on an Eligible Credit Card as long as the qualification criteria in the Guide are
     met.
     8. Bonus Offers and Incentives. From time to time KeyBank may provide offers to Signers to (i) earn additional Rewards Points for shopping at a particular
     retailer, or (ii) use Rewards Points to purchase a particular retailer's gift card at a discounted amount (herein collectively referred to as the "Bonus Offer(s)").
     These Bonus Offers may be presented to Signers by KeyBank through various venues, including without limitation, through KeyBank's Online Banking site,
     KeyBank's Rewards Website, or e-mail. Signers will be able to turn off viewing of these offers in Online Banking and the Rewards website by following the
     instructions set forth on the website. Additionally, Signers will be able to unsubscribe from the Bonus Offer e-mails by following the unsubscribe directions in
     any such Bonus Offer e-mails. Once a Signer has accepted a Bonus Offer to earn Rewards Points by shopping at a particular retailer, then the transactions
     of any Signer or Authorized User of the account for which the Bonus Offer was accepted will be used to determine whether the criteria have been met to earn
     the additional Rewards Points set forth in the Bonus Offer. Authorized Users will not be presented Bonus Offers.
     9. Excluded Transactions. Excluded Transactions will not be included in the Reward Point calculation. The term Excluded Transactions is defined as and
     includes: ATM cash disbursements, manual financial institution cash advances, KeyBank's Cash Reserve Credit transactions, person-to-person money
     transfers, a quasi cash transaction including the purchase of traveler's checks, foreign currency, money orders or convenience checks, truck stop
     transactions (any transactions at a truck stop other than an ATM at fuel desks, weigh stations, public scales, or ports of entry), gaming transactions, tax
     payments, balance transfers, annual membership fees, point-of-sale cash back transactions greater than the purchase amount, returned checks, and any
     credit, return or other adjustment to your Enrolled Checking Account and/or Credit Card Account. If you are enrolled in the Relationship Rewards Program,
     the term "Excluded Transactions" as defined above will apply to the Reward Point calculation for transactions made using your Eligible Credit Card (if
     applicable) and your Debit Card if your Eligible Checking Account is enrolled.
     IV. Rewards Account and Point Redemption
     1. Rewards Account Generally. Each enrolled Eligible Product will have an associated internal rewards account established by KeyBank to track the
     Rewards Points earned under the Program. If you are a Signer and are enrolled in the Program, you will have a rewards account ("Rewards Account"),
     which you may access after you have registered (as set forth in Section II above). Your Rewards Account number will appear on your statement and will be
     available online and elsewhere as determined by KeyBank from time to time. Your Rewards Account will allow you to view the available point balance
     relating to any Enrolled Checking Account or Eligible Credit Card for which you are a Signer. The available point balance is an aggregation of Rewards
    https://online1.keybank.com/dcm/GetEdasDisclosure?action=special&output=html_complete&pa=INST&pg=CCA&sp=WCRB&pd=1&bn=242&name� 14/18
    4/25/2018                             eDAS Disclosure
     Points available to any Signer, subject to certain exceptions, on an enrolled Eligible Product for activities and behaviors engaged in by the Signers of such
     accounts as set forth in Section III entitled "Earning Points". Notwithstanding the foregoing, certain Points are awarded only to the Primary Signer of an
     Enrolled Checking Account, all as set forth in Section III above entitled "Earning Points". You shall have no interest in or rights to the Rewards Account
     except as provided in these Program Rules, and the Rewards Account cannot be assigned or transferred by you. Any assignment or transfer of the Rewards
     Account is null and void.
     2. Rewards Account Mechanics. Your Rewards Account will allow you to view all of the Rewards Points which have been awarded relative to any Enrolled
     Checking Account and/or Eligible Credit Card, for which you are a Signer. You will be able to redeem any and all Rewards Points viewable in your Rewards
     Account. An authorized user of a Debit Card or an Eligible Credit Card will not be able to view or redeem Rewards Points. However, activity of other Signers,
     who also may view and redeem from a common available point balance for which you both are Signers, may reduce the availability of Rewards Points in
     your Rewards Account. All Signers on an enrolled Eligible Product will be able to view and redeem all Rewards Points earned for the enrolled Eligible
     Products. With respect to Enrolled Checking Accounts, any Signer will be able to view and redeem all Rewards Points earned for the Enrolled Checking
     Account, both for Bonus and Activity Points and Relationship Rewards Points. For example, if a Signer on a joint Enrolled Checking Account opens a
     Relationship Product in his or her own name only, Relationship Rewards Points would appear in the available points balance of the Enrolled Checking
     Account and could be viewed and redeemed by any and all Signers on the Enrolled Checking Account. Relationship Rewards Points for any Relationship
     Product opened by a Business or by any Signer on a Business Enrolled Checking Account will be displayed in the available point balance relating to the
     Business Enrolled Checking Account and could be viewed and redeemed by any and all Signers on the Business Enrolled Checking Account.
     3. Redemption. Rewards Points must be redeemed by a Signer on an Eligible Product that is enrolled in the Program. Except as specified in II.3 above, to
     redeem Rewards Points for rewards, log into KeyBank's Rewards Website, or contact the KeyBank Rewards Center.
     4. Reservation of Rights. KeyBank reserves the right, in its sole discretion, to change how Rewards Points are earned and allocated at any time.
     5. Contacting Key. As set forth in Section II.3 above, your available Rewards Points balance is available at KeyBank�s Rewards Website, on KeyBank�s
     Online Banking or Key Business Online, as applicable, or by calling the KeyBank Rewards Center. Additionally, the Rewards Points balance for the Eligible
     Credit Card is available on the credit card billing statement; the Rewards Points balance for the Enrolled Checking Account is available on the checking
     account statement as well as on branch receipts. Important information regarding the Relationship Rewards Program ("KeyBank Rewards Information") can
     be found at www.key.com/rewards.
     6. Redemption Allocation and Expiration. If unused, the Rewards Points carry a 4-year expiration limitation based on the date the Rewards Points were
     earned, and upon expiration all unused Rewards Points shall be forfeited immediately. Rewards Points redeemed and/or expired, if applicable, will be based
     on a first-in, first-out process. For October 2013 Conversion Accounts and October 2014 Conversion Accounts, converted Rewards Points will retain the
     same expiration date as they had under your previous rewards program. For October 2016 Conversion Accounts, converted Rewards Points will receive a
     four year expiration period for such Rewards Points commencing as of October 10, 2016. Notwithstanding the foregoing, Rewards Points earned with any of
     the following Eligible Credit Cards will not expire: Key Private Bank Mastercard Credit Card, Key Private Bank World Elite Mastercard Credit Card and
     KeyBank Select World Mastercard.
     7. Transferability. Rewards Points earned are not transferable except as used in accordance with these Program Rules, have no cash value and cannot
     under any circumstances be used as payment for any Customer account balance or any other liability or obligation you have to KeyBank.
     8. No Partial Awards. No partial awards will be issued upon redemption of Rewards Points.
     9. Value. Rewards Points and rewards have no value, are not refundable or exchangeable and cannot be used except in accordance with these Program
     Rules and applicable terms and conditions of rewards suppliers.
     10. Availability. Rewards Points are available after transactions are posted and based on the specifications set forth in the Guide.
     V. Transfer
     Customers enrolled in Relationship Rewards can transfer all or part of their Rewards Points balance in their Relationship Rewards Account to another
     Relationship Rewards Account at KeyBank ("Points Transfer"). In order to transfer Rewards Points, a Customer must call the KeyBank Rewards Center as
     set forth in Section II.3.b above. A Customer must know the recipient's Relationship Rewards Account number in order to complete the transfer. If there is
     more than one Customer associated with a Relationship Rewards Account, each Customer may only transfer Rewards Points that were earned by such
     Customer. Only Customers with Relationship Rewards Accounts in good standing (as determined by KeyBank in its sole discretion) can participate in Points
     Transfers, either as a transferor or transferee. Transferred points retain the expiration date assigned at the time the transferred points were originally earned,
     not the date of transfer. All transfers are final. If Rewards Points subject to 1099 reporting are transferred, the 1099 reporting and associated tax liability
     remains with the Customer who earned the points.
     VI. General Program Details
     1. Continuing Eligibility. Eligibility is limited to KeyBank's Customers, whose enrolled Eligible Products are in good standing. You will only earn Rewards
     Points as long as KeyBank, in its sole discretion, determines that your enrolled Eligible Products are acceptable to KeyBank and are eligible for participation
     in the Program. An ineligible Checking Account and/or Credit Card Account includes, without limitation, an account that is frozen, restricted, closed,
     terminated, cancelled, expired, inactive, dormant, has a legal status, or an account that is subject to litigation or any adverse (or conflicting) claim of any third
     party.
     2. Cancellation and Discontinuation. If you voluntarily cancel enrollment in the Program or if KeyBank cancels the enrollment due to the account not being
     eligible, all unused accrued Rewards Points and rewards shall be forfeited immediately. If you are terminated as a Signer on an enrolled Eligible Product for
     any reason, whether due to your own action, action by KeyBank, or death, Activity and Bonus Points and Relationship Rewards Points earned by you prior to
     termination will remain in the available point balance and will be available for use by the Signers of the Eligible Product in connection with which the Points
     were earned. You may discontinue your participation in the Program at anytime without notice. KeyBank's cancellation, change or suspension of the Program
     may result in the forfeiture of earned points and a change in the redemption of any outstanding rewards.
     3. Reservation of Rights. The Program and benefits are offered at the sole discretion of KeyBank. KeyBank reserves the right to cancel, change or
     temporarily suspend the Program at any time without notice, including without limitation, to (a) terminate any Customer's or Signer's membership in the
     Program for any reason; (b) reduce or eliminate all Rewards Points earned (but not yet credited to your Rewards Account); (c) add to or modify the terms
     and conditions of these Program Rules, including, as to the Relationship Rewards Program and the Guides, additions or modifications to the number of
     Rewards Points earned for any activity, deletions or modifications to activities that earn Rewards Points, or modifications to qualifications for Activity and
     Bonus Events or Relationship Products; (d) discontinue KeyBank's participation in the Program; (e) terminate or modify its Program; (f) modify the formula to
     calculate Rewards Points earnings; and (g) in the event of any fraud or abuse of the Program privileges or violation of the Program Rules (including any
     attempt to sell, exchange or otherwise transfer Rewards Points or any instrument exchangeable for the Program). In regard to the Relationship Rewards
     Program, KeyBank reserves the right, in its sole discretion, to determine whether any transaction, product or service is eligible to earn Rewards Points, and
     whether to allow any person or Customer to undertake any transaction or to receive any product or service.
     4. Governing Law. These Program Rules and Program are governed by the laws of the State of Ohio, without regard to its conflicts of law principles. The
     Program is void where prohibited by federal, state or local law.
     5. Availability Limitations. Airline tickets, travel rewards packages, merchandise rewards, travel vouchers, gift certificates/gift cards and other rewards are
     subject to availability and certain restrictions and fulfillment fees apply.
    https://online1.keybank.com/dcm/GetEdasDisclosure?action=special&output=html_complete&pa=INST&pg=CCA&sp=WCRB&pd=1&bn=242&name� 15/18
    4/25/2018                             eDAS Disclosure
     6. Signer Disputes. KeyBank is not responsible for, and has no duty, obligation or liability regarding any disputes between joint Signers of an Eligible
     Product (or authorized users of a Debit Card or Credit Card) relating to Rewards Points ownership, accessibility and/or redemption rights under the Program.
     7. Liability. Every effort has been made to ensure that the information provided is accurate. KeyBank is not responsible for errors or omissions.
     8. Taxes. When you redeem Rewards Points for a reward, you and the merchant are responsible for compliance with all laws related to the reward, including
     the payment and collection of any federal, state, and local taxes.
     9. 1099-INT Reporting. The fair market value of points earned for opening a savings account or a Certificate of Deposit, for increasing the balance in your
     savings account or Certificate of Deposit or renewing your Certificate of Deposit along with interest earned on your Savings account or Certificate of Deposit
     (further described in Section III above) will be reported to the IRS on Form 1099-INT. The 1099-INT is issued for the Savings Account or the Certificate of
     Deposit since the award of Rewards Points is for opening or increasing the balance of such account and such an award is considered to be interest
     earnings. The issuance of the 1099-INT for the Savings Account or Certificate of Deposit occurs even though the Rewards Points will be added to the
     available point balance for the Enrolled Checking Account.
     10. Travel Taxes and Fees. You are responsible for payment of any passenger facility charges, air segment taxes, departure taxes, customs fees, baggage
     charges, security taxes or any other charges assessed by governmental entities or airline company as a result of travel under the Program, as well as any
     shipping, courier, fulfillment or certificate fees associated with the Program.
     11. Correspondence/Mailing. KeyBank shall not be responsible for any correspondence by you that is lost or delayed in the mail. All travel tickets, travel
     packages, merchandise and other rewards will be sent to your address on file at KeyBank or otherwise in accordance with your instructions. Merchandise
     shipments cannot be made to a post office box.
     12. Finality. All questions regarding accrual of rewards or the fulfillment of rewards shall be resolved by KeyBank, and its decision will be final. All questions
     or disputes regarding use of gift certificates/gift cards shall be resolved by the supplier or issuer of the gift certificate/gift card by contacting customer service
     department disclosed with the certificate/card.
     13. Release. Should KeyBank decide to terminate the Program, and the acceptance and use of the Program, Customer hereby releases,
     discharges, and holds harmless KeyBank, Mastercard International Incorporated, doing business as Mastercard Worldwide, and its affiliates and
     subsidiaries, (collectively, called "Mastercard"), and their respective subsidiaries, affiliates, employees, officers, directors, successors and
     assigns from all claims, damages or liability including but not limited to physical injury or death, arising out of participation in the Program.
     14. Limitation of Liability. Neither KeyBank, Mastercard nor any other entity associated with the Program shall have any liability arising from, or related to,
     such rewards of the Program, except as expressly stated herein. If you are denied a benefit of the Program to which you are entitled, liability of KeyBank and
     Mastercard shall be limited to your earned portion of the benefit. In no event shall KeyBank or Mastercard be liable to you for any indirect, incidental,
     consequential, special or punitive damages arising from this Program or performance of any obligations hereunder, or any other action or omission by it,
     even if such party is informed or is otherwise aware or should be aware of the possibility or likelihood of such damages. KeyBank makes no warranty and
     hereby disclaims any and all representations or warranties, express or implied, regarding any subject matter contemplated by these Program Rules,
     including any implied warranty of merchantability or fitness for a particular purpose or implied warranties arising from the course of dealing or course of
     performance.
     15. Third Parties. Suppliers of goods and services are independent contractors and are neither agents nor employees of KeyBank, Mastercard, or any of
     their affiliates; or any group, organization, or entity endorsing a credit or debit card program by us. We neither offer, endorse, nor guarantee any of the goods,
     services, information, or recommendations provided by third parties to you in connection with the Program.
     16. Intellectual Property. The KeyBank name, Key mark design and logo are registered trademarks of KeyCorp, an Ohio corporation. Mastercard and World
     Mastercard are registered trademarks of Mastercard International Incorporated and are used by us pursuant to a license. All other company, product, and
     service names may be trademarks or service marks of others and their use does not imply endorsement or an association with this Program.
     VII. Airline, Hotel, Car Rental & Travel Packages
     1. You may redeem Rewards Points for travel related items such as airline tickets, hotel stays, car rentals and travel packages (herein "Travel Rewards"). In
     order to redeem Rewards Points for Travel Rewards, you must use the Travel Tool (the "Travel Tool") which is accessed by selecting the Travel Tool icon
     with KeyBank Relationship Rewards Program available at the KeyBank Rewards website or by calling 1-888-333-7780. The Travel Tool has additional
     specific terms and conditions relating to the booking and use of Travel Rewards, which terms of use must be reviewed and accepted prior to each
     redemption of a Travel Reward. As the Travel Tool terms of use (also known as terms and conditions) may change more frequently than these KeyBank
     Rewards Program Terms and Conditions, you will be required to acknowledge your review and acceptance of the Travel Tool terms and conditions before
     completing a redemption of a Travel Reward. When you make a reservation using the Travel Tool, you will be subject to the rules of each company, agent or
     other entity supplying a Travel Reward (herein a "Supplier"). Each Supplier sets its own rules as to booking, cancellations, changes and refunds, including
     any fees relating to same. Supplier fees (such as for booking cancellation, changes or refunds) may be required to be paid via credit card, debit card or other
     another payment medium selected by Supplier. You must carefully read the rules of each Supplier before booking as certain Suppliers may not permit
     cancellations, changes or refunds. Refunds, if permitted by the Supplier, may take up to 90 days to process and are subject to the policies of the individual
     Supplier. All refund requests must be submitted in accordance with the rules of the Supplier, and in any case no later than 30 days after the scheduled
     departure date and any negotiable documents (i.e. airline tickets, redeemable certificates or vouchers, etc.) issued must be returned to the Supplier prior to
     processing any refund. If Supplier permits a full or partial refund, such refund will be made by crediting your Reward Account with the applicable amount of
     Reward Points determined by Supplier. If you are no longer a member of the Program, the Rewards Points will be forfeit. Additionally, any redemption of a
     Travel Reward is also governed by these general KeyBank Rewards Program Terms and Conditions. In the event of a conflict, the Travel Tool terms and
     conditions will control the governance of a transaction involving Travel Rewards.
     2. Prohibited Use. As a condition of your use of the Travel Tool and/or KeyBank's Rewards Website, you warrant that you will not use the Travel Tool or
     KeyBank's Rewards Website for any purpose that is unlawful or prohibited by these terms, conditions, and notices.
     3. KeyBank is not responsible for products or services offered by other companies.
     VIII. Merchandise
     1. KeyBank may make substitutions of equal or greater value when necessary without notification.
     2. Merchandise rewards include applicable sales tax, shipping and handling within the 48 contiguous United States.
     3. Returns are only accepted for merchandise that is damaged, defective or shipped in error. The manufacturer's warranty applies to all merchandise
     rewards offered, but KeyBank shall have no responsibility or liability in connection with this warranty. Merchandise rewards shipments are your sole
     responsibility.
     4. Delivery of merchandise will be made by ground delivery service-signature required or first-class mail. Please allow four to six weeks from time of order.
     5. Any additional shipping costs, including international shipping costs, will be your responsibility and will be charged to the Enrolled Checking, unless you
     have no Enrolled Checking, in which case such costs will be charged to the Eligible Credit Card.
     IX. Gift Certificates/Gift Cards
    https://online1.keybank.com/dcm/GetEdasDisclosure?action=special&output=html_complete&pa=INST&pg=CCA&sp=WCRB&pd=1&bn=242&name� 16/18
    4/25/2018                             eDAS Disclosure
     1. Gift certificates/gift cards have no value except when used in accordance with these Program Rules and applicable terms and conditions of participating
     suppliers or card issuers.
     2. Gift certificates/gift cards must be surrendered at redemption, are not refundable, exchangeable, unless required by applicable law. Gift certificates/gift
     cards cannot be used against Customer's outstanding credit account balances. Gift certificates/gift cards may not be resold.
     3. KeyBank may make substitutions of equal or greater value when necessary.
     4. KeyBank and participating suppliers are not responsible for replacing lost, stolen or expired gift certificates/gift cards.
     5. Gift certificates/gift cards use is subject to the terms and conditions printed thereon.
     6. Gift certificates/gift cards are valid only at participating suppliers through the expiration date printed on the gift certificate/gift card.
     7. Delivery of gift certificate/gift card will be made by ground delivery service-signature required or first-class mail or email. Please allow three to four weeks
     from time of order for direct mail.
     8. Gift certificates/gift cards may not be combined with any other promotional offers from KeyBank or participating suppliers.
     9 In the event the goods and services purchased are less than the face value of the gift certificate/gift card redeemed, the policy of the supplier will determine
     whether credit or gift certificate/gift card value for the difference will be given.
     10. Gift certificates/gift cards as rewards are void where prohibited by law.
     11. Customer must notify the KeyBank Rewards center within 60 days to report non receipt of gift certificate/gift card.
     12. Issuers of gift certificates/gift cards are solely responsible for compliance with any legal or regulatory requirements governing gift certificates/gift cards.
     X. Cash Back
     1. You may redeem Rewards Points for cash back to be applied to your Debit Card or your Eligible Credit Card (either option being referred to as "Cash
     Back"). If you choose to redeem Rewards Points for Cash Back you will need to select from the available options on the website which Debit Card or Eligible
     Credit Card the Cash Back will apply to and such selection will remain in effect until changed by you. KeyBank has sole discretion to determine which Debit
     Cards or Eligible Credit Cards will be available as a viable selection for the Cash Back feature.
     2. Cash Back is available only for accounts in good standing as determined by KeyBank in its sole discretion. Any Signer who has registered is eligible to
     choose Cash Back as a Rewards Points redemption option, subject to the restrictions set forth in this Section X.
     3. If you choose Cash Back to be applied to your Debit Card, then the Cash Back will be deposited to the Enrolled Checking Account attached to the Debit
     Card. Cash Back will post to the account you selected within 1-3 business days and will appear on your monthly checking account statement or your monthly
     credit card statement.
     4. It may take up to two (2) business days after enrollment for an account to be eligible as a selection option for the Cash Back feature.
     5. You will be responsible for taxes related to Cash Back, if any.
     6. You may only redeem Cash Back in increments set forth in the web site options available at the time of redemption.
                               Schedule II.2
                               To the KeyBank Relationship Rewards
                               Program Terms and Conditions
     I. KeyBank Original Origination Credit Cards
     A.  Consumer. Any Credit Card issued by KeyBank on or after May 24, 2013, and bearing a plastic number with the first 6 digits of 524924, 519945,
         552356, and bearing the name KeyBank Key2More Rewards Mastercard Credit Card, Key Private Bank Mastercard Credit Card and KeyBank
         Platinum Mastercard Credit Card
     B.  Business. Any Credit Card issued by KeyBank on or after May 24, 2013, and bearing a plastic number with the first 6 digits of 519731 including
         KeyBank Business Rewards Mastercard Credit Card
     II. KeyBank Conversion Credit Cards. All of the credit card Accounts listed in this Section II shall be deemed a Conversion Account.
     A.  October 2013 Conversion Accounts . Effective October 4, 2013 the following credit cards were converted from a separate rewards program into
         the KeyBank Relationship Rewards Program(herein collectively referred to as the "October 2013 Conversion Accounts"): 
         (1) KeyBank World Mastercard with Rewards 
         (2) KeyBank Mastercard with Rewards  
         (3) Key Private Bank World Elite Mastercard 
         (4) Key Private Bank World Mastercard 
         (5) KeyBank Business Travel Rewards Mastercard  
         (6) KeyBank Business Rewards Mastercard bearing a plastic number with the first 6 digits of 547538  
         (7) KeyBank Key2More Rewards Mastercard bearing a plastic number with the first 6 digits of 548029, 552373 or 548853
     B.  October 2014 Conversion Accounts . Effective October, 2014 the following credit cards were converted from a separate rewards program into
         the KeyBank Relationship Rewards Program(herein collectively referred to as the "October 2014 Conversion Accounts"):  
         (1) KeyBank Platinum Mastercard with Rewards bearing a plastic number with the first 6 digits of 521515  
         (2) KeyBank Select World Mastercard bearing a plastic number with the first 6 digits of 552470 
         (3) KeyBank Business Mastercard with Rewards bearing a plastic number with the first 6 digits of 519726 or 519727
     C.  October 2016 Conversion Accounts . Effective October 10, 2016, the following credit cards were converted from a separate rewards program
         into the KeyBank Relationship Rewards Program (herein collectively referred to as the "October 2016 Conversion Accounts"):  
         (1) KeyBank World Mastercard Credit Card bearing a plastic number with the first 6 digits of 552437  
         (2) KeyBank Platinum Rewards Mastercard Credit Card bearing a plastic number with the first 6 digits of 532914 and 529079  
         (3) KeyBank Rewards Business Mastercard Credit Card bearing a plastic number with the first 6 digits of 552743
     All of the credit cards listed on this Schedule II.2. will be deemed an Eligible Credit Card. Conversion Accounts will have the same terms and conditions of all
     other Eligible Credit Cards under the Program unless specifically designated otherwise. The credit card names for the Conversion Accounts are listed
    https://online1.keybank.com/dcm/GetEdasDisclosure?action=special&output=html_complete&pa=INST&pg=CCA&sp=WCRB&pd=1&bn=242&name� 17/18
    4/25/2018                             eDAS Disclosure
     separately in the Points Guide.
     Relationship Rewards Program Terms and Conditions - Effective October 10, 2016
     (ID 1732-512)
    https://online1.keybank.com/dcm/GetEdasDisclosure?action=special&output=html_complete&pa=INST&pg=CCA&sp=WCRB&pd=1&bn=242&name� 18/18