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 If there are joint Cardmembers, we
                                Account or who are liable on the may send communications to either
                                Account by any other means of you, we may disclose information
                                                      about the Account to either of you,
                                                      and we may accept instructions
                                                      from either of you (even if you have
                                                      a disagreement).
          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 We will advise you of the total credit
                                amount that you can have limit on your Account when we first
                                outstanding on your Account at any send you your Card and when we
                                time. You agree not to request any post it on your monthly billing
                                transactions that would cause your statement. Your Cash Advance limit
                                Account balance to exceed the is only a portion of your total
                                credit limit. You are responsible for available (unused) credit limit. Your
                                balances on your Account including total credit limit and Cash Advance
                                amounts charged in excess of your limit may change from time to time.
                                credit limit.         We will 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 If you request, we may issue Cards
                                your Account by an authorized user that access your Account to your
                                or anyone else that you permit to authorized users. If you revoke an
                                use your Account. You must notify authorized user, we may close your
                                us to revoke an authorized user's Account and issue a new Card(s)
                                permission to use your Account. with a different Account number.
                                You are responsible to recover 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.
          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 We authorize charges to your
                                goods and services.   Account in accordance with the
                                                      terms of the Agreement.
          Balance Transfers and Fees You can transfer balances to your We permit Balance Transfers from
                                Account by contacting us. We will most accounts issued by other
                                charge a Balance Transfer fee on banks. We do not permit Balance
                                the amount of each Balance Transfers from other accounts or
                                Transfer, as set forth in the Rates loans with us or any of our affiliates.
                                and Fees table.
          Cash Advances and Fees                      We treat certain transactions as
                                You may obtain cash from ATMs or
                                                      Cash Advances. See the Cash
                                at banks.
                                                      Advance section under Your
                                We will charge a Cash Advance fee Account Terms, above.
                                or 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
                                You may use checks provided by
                                                      use; we have the right not to pay a
                                us to access your Account
                                                      check for any reason. You may not
                                (sometimes referred to as
                                                      use a convenience check to make a
                                "convenience checks"). Checks will
                                                      payment on the Account or any
                                be added to your Purchase balance
                                                      other Account with us.
                                (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
                                You may set up this Account to We allow your Card Account to be
          Fees
                                cover overdrafts on your checking linked to a KeyBank Checking
                                account at KeyBank ("Checking Account. Only one OD Advance will
                                Account"). Overdraft Protection be made each day. The terms of
                                Advances ("OD Advances") will be this Agreement and your checking
                                treated as Cash Advances. account agreement will apply. In
                                                      order to link your Card Account to
                                We will charge an Overdraft
                                                      your Checking Account, all persons
                                Protection Transfer Fee to your
                                                      who applied for the Card Account
                                Card Account each day an
                                                      or who are liable on the Card
                                Overdraft Protection Advance
                                                      Account must be owners of the
                                occurs as set forth in the Rates and
                                                      Checking Account. If at any time for
                                Fees Table.
                                                      any reason the persons who
                                                      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.
                                                      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 We are not responsible for
                                bill charges on a recurring basis to recurring transactions if your
                                your Account. To withdraw your Account is closed, suspended, or
                                authorization, you must contact the the Account number changes. You
                                third party. If your Account is closed agree that we may (but are not
                                or suspended, your Account required to) provide the third party
                                number is changed, or to withdraw your current Account status, Card
                                authorization, you will need to number and/or expiration date to
                                contact the third party. facilitate payments.
          Promotions            You may receive special offers Any special offer is subject to this
                                related to your Account. Agreement, unless specified
                                                      otherwise.
          Rewards               If your Account provides you with We will provide you with all
                                the opportunity to earn rewards, information and terms about your
                                points may be redeemed for brand rewards separately. We will include
                                named merchandise, gift cards, on your billing statement all
                                travel rewards, or other redemption rewards you have earned.
                                items as we determine from time to
                                time.
          Foreign Transaction Fee and For transactions that take place Mastercard International
          Exchange Rate         outside the United States, a fee ("Mastercard") will convert
                                may be assessed on the U.S. transactions made in a foreign
                                Dollar amount of the transaction. country using a government-
                                See the Rates and Fees Table mandated or wholesale rate in
                                above for the fee applicable to the effect on the processing date
                                Account.              (which may differ from the rate on
                                                      the date of your transaction). The
                                                      rate used may differ from the rate
                                                      that Mastercard actually receives.
          Authorization of      You may close your Account at any We may refuse to authorize any
          Transactions/Closing the Account time by notifying us either in writing transactions at our sole discretion,
                                at the address shown on your even if there is sufficient available
                                billing statement or by phone at the credit. We are not responsible for
                                number provided on your billing any losses associated with a
                                statement. We will not honor any declined transaction. We may close
                                convenience check or authorize your Account or terminate your
                                any transactions after your Account credit privileges at any time for any
                                is closed. You remain responsible reason, subject to applicable law.
                                for any balance on your Account. Your 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.
          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 As long as you make your payment
                                instructions provided on your in accordance with the instructions
                                monthly billing statement. All on your billing statement by the
                                payments made by check must be date and time payments are due,
                                drawn on a U.S. financial institution we will credit your payment as of
                                in U.S. Dollars. You authorize us to the day it is received. We may
                                either use information from your accept and process late, partial and
                                check to make a one-time payments marked as "paid in full"
                                electronic fund transfer from your without losing our rights under this
                                account or to process the payment Agreement. Any such payment
                                as a check transaction. must be sent to the special address
                                                      identified on your statement.
          Minimum Payment       You agree to pay at least the We will calculate your minimum
                                minimum payment when due. You payment based on the method
                                also agree to pay any past due described in the Additional Terms of
                                amounts and also any amounts in Your Cardmember Agreement. The
                                excess of your credit limit when minimum payment will appear on
                                billed on your monthly billing your monthly billing statement, and
                                statements or sooner if we ask. may include any past due amounts
                                                      and any amounts in excess of your
                                                      credit limit.
          How to Avoid Paying Interest on � You need to pay in full on or
                                                      Except as described in the column
          Purchases and When We Begin to before the Due Date the "New
                                                      on the left, we add new Purchases
          Charge Interest       Balance" on your Bill in order to
                                                      to your Account, and they begin to
                                receive a Grace Period on your
                                                      accrue Interest Charges, on the
                                Purchases. As long as you continue
                                                      date of the transaction.
                                to pay the entire "New Balance" on
                                your Bill on or before the Due Date There is no grace period for
                                each consecutive Billing Period, Balance Transfers or Cash
                                your Purchases will receive a Advances. We add new Balance
                                Grace Period. If you do not pay Transfers, Overdraft Protection
                                your Bill in full (including the Advances, Checks or Cash
                                amount of any special promotions, Advances to your Account no
                                Convenience Check offers, etc.), earlier than the date of the
                                you will lose your Grace Period. transaction (for Checks, the date
                                                      the payee deposits the Check). We
                                � If you lose your Grace Period by
                                                      may choose to add fees to your
                                making only a partial payment that
                                                      Account on the date of the related
                                is at least equal to the Minimum
                                                      transaction, the date they are
                                Payment due on or before the Due
                                                      posted, or the last day of the billing
                                Date, then in the next Billing Period,
                                                      period.
                                we will apply your partial payment
                                as of the first day of that next Billing Amounts added to your Account
                                Period.               remain 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 We may apply the amount of your
                                minimum payment when due, the payment less than or equal to your
                                excess above the minimum minimum payment and any credits
                                payment is applied to balances with to your Account in any way we
                                the highest APRs first. 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
                                balances at any time. apply 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
          Balance for each day any new 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
          Daily Balance   dividing by the 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
          Charges for each balance balance" for 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 by adding the Interest Charges to the balance to which it applies (for example,
          Charged to the Account we add 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 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 by adding the amount set forth in the Rates and Fees table to one or more of the
          Interest Charge categories 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
                                minimum payment by the Payment charge you a late payment fee. See
                                Due Date shown on the monthly the Rates and Fees Table for the
                                billing statement.    late payment fee 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
                                statement.            fee of $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
          Rush Order Fee -
                                replacement card be sent to you on $25 to your Purchase balance if
          Card Replacement      an expedited basis.   you request 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 Contact us immediately and stop You will not be liable for any
          Account has been compromised? using your Account. Contact us at unauthorized use that occurs after
                                the address or telephone number you notify us. You may, however, be
                                listed on your billing statement or liable for unauthorized use that
                                Card.                 occurs before your notice to us. In
                                                      any case, your liability will not
                                                      exceed $50.
          My Account is closed or You must still repay all amounts You remain responsible for your
          suspended?            you owe under this Agreement. balance.
          My name, address, telephone Notify us of any change. We may also ask you to provide us
          number of other information has             updated financial information about
          changed.                                    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 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 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
          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 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 January 23, 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
                                            14.24 % to 23.24 % based on your
                                            creditworthiness. This APR will vary with the market
                                            based on Prime Rate.
          APR for Cash Advances
                                            25.24 %.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 14.24 % to 23.24 % 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
          Protection Bureau                 applying for or using a credit card, visit the website
                                            of the Consumer Financial Protection Bureau
                                            http://www.consumerfinance.gov/learnmore
                                         Fees
          Annual Fee                        None
          Transaction Fees:
          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.
          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.
              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
          Account Type - Non-Business
                                                                 Annual Fee
          Key Privilege Select Checking                          Fee waived
          Key Privilege Checking                                 Fee waived
          Sweep Checking                                         Fee waived
          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
          Account Type - Business
                                                                 Annual 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
          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 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.
          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
          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 separately in the Points Guide.
          Relationship Rewards Program Terms and Conditions - Effective October 10, 2016
          (ID 1670-512)