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 the "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 
                                Account by any other means  either of you, we may disclose 
                                                      information about the Account to 
                                                      either of you, and we may accept 
                                                      instructions from either of you 
                                                      (even if you have a disagreement). 
           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 
                                amount that you can have  credit limit on your Account when 
                                outstanding on your Account at  we first send you your Card and 
                                any time. You agree not to request  when we post it on your monthly 
                                any transactions that would cause  billing statement. Your Cash 
                                your Account balance to exceed  Advance limit is only a portion of 
                                the credit limit. You are  your total available (unused) credit 
                                responsible for balances on your  limit. Your total credit limit and 
                                Account including amounts  Cash Advance limit may change 
                                charged in excess of your credit  from time to time. We will notify 
                                limit.                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 
                                your Account by an authorized  Cards that access your Account to 
                                user or anyone else that you  your authorized users. If you 
                                permit to use your Account. You  revoke an authorized user, we 
                                must notify us to revoke an  may close your Account and issue 
                                authorized user's permission to  a new Card(s) with a different 
                                use your Account. You are  Account number. 
                                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. 
           Annual Membership Fee  If your Account has an Annual  We will add your annual fee to 
                                Membership Fee, the amount of  your monthly billing statement 
                                the fee is listed in the Rates and  once a year, whether or not you 
                                Fees Table. You are responsible  use your Account. Information is 
                                for paying the fee every year your  provided below under 
                                Account is open or until your  Authorization of 
                                Account is closed and paid in full.  Transactions/Closing the Account 
                                                      explaining how you can cancel 
                                                      your Account to avoid future 
                                                      annual fees. 
            
           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.  
           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 
                                and Fees table.       affiliates. 
           Cash Advances and Fees                     We treat certain transactions as 
                                You may obtain cash from ATMs 
                                                      Cash Advances. See the Cash 
                                or at banks. We will charge a Cash 
                                                      Advance section under Your 
                                Advance fee or Cash Equivalent 
                                                      Account Terms, above. 
                                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 
                                "convenience checks"). Checks 
                                                      a payment on the Account or any 
                                will be added to your Purchase 
                                                      other Account with us. 
                                balance (but there is no grace 
                                period to avoid interest charges).  
                                We will charge a Convenience 
                                Check Advance Fee on the 
                                amount of each Convenience 
                                Check Advance, as set forth in the 
                                Rates and Fees table.  
           Overdraft Protection Advances 
                                You may set up this Account to  We allow your Card Account to be 
           and Fees 
                                cover overdrafts on your checking  linked to a KeyBank Checking 
                                account at KeyBank ("Checking  Account. Only one OD Advance 
                                Account"). Overdraft Protection  will be made each day. The terms 
                                Advances ("OD Advances") will be  of this Agreement and your 
                                treated as Cash Advances.   checking account agreement will 
                                                      apply. In order to link your Card 
                                We will charge an Overdraft 
                                                      Account to your Checking 
                                Protection Transfer Fee to your 
                                                      Account, all persons who applied 
                                Card Account each day an 
                                                      for the Card Account or who are 
                                Overdraft Protection Advance 
                                                      liable on the Card Account must 
                                occurs as set forth in the Rates 
                                                      be owners of the Checking 
                                and Fees Table.  
                                                      Account. If at any time for 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 Account number changes. You 
                                the third party. If your Account is  agree that we may (but are not 
                                closed or suspended, your  required to) provide the third party 
                                Account number is changed, or to  your current Account status, Card 
                                withdraw authorization, you will  number and/or expiration date to 
                                need 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 
                                named merchandise, gift cards,  include on your billing statement 
                                travel rewards, or other  all rewards you have earned. 
                                redemption items as we determine 
                                from time to time. 
           Foreign Exchange Rate                      Mastercard International 
                                                      ("Mastercard") will convert 
                                                      transactions made in a foreign 
                                                      country using a government-
                                                      mandated or wholesale rate in 
                                                      effect on the processing date 
                                                      (which may differ from the rate on 
                                                      the date of your transaction). The 
                                                      rate used may differ from the rate 
                                                      that Mastercard actually receives. 
           Authorization of     You may close your Account at  We may refuse to authorize any 
           Transactions/Closing the Account  any time by notifying us either in  transactions at our sole discretion, 
                                writing at the address shown on  even if there is sufficient available 
                                your billing statement or by phone  credit. We are not responsible for 
                                at the number provided on your  any losses associated with a 
                                billing statement. We will not honor  declined transaction. We may 
                                any convenience check or  close your Account or terminate 
                                authorize any transactions after  your credit privileges at any time 
                                your Account is closed. You  for any reason, subject to 
                                remain responsible for any  applicable law. Your Account 
                                balance on 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 
                                instructions provided on your  payment in accordance with the 
                                monthly billing statement. All  instructions on your billing 
                                payments made by check must be  statement by the date and time 
                                drawn on a U.S. financial  payments are due, we will credit 
                                institution in U.S. Dollars. You  your payment as of the day it is 
                                authorize us to either use  received. We may accept and 
                                information from your check to  process late, partial and payments 
                                make a one-time electronic fund  marked as "paid in full" without 
                                transfer from your account or to  losing our rights under this 
                                process the payment as a check  Agreement. Any such payment 
                                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 
                                amounts and also any amounts in  of Your Cardmember Agreement. 
                                excess of your credit limit when  The minimum payment will appear 
                                billed on your monthly billing  on your monthly billing statement, 
                                statements or sooner if we ask.  and 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 
                                                      date of the transaction.  
                                continue to pay the entire "New 
                                Balance" on your Bill on or before  There is no grace period for 
                                the Due Date each consecutive  Balance Transfers or Cash 
                                Billing Period, your Purchases will  Advances. We add new Balance 
                                receive a Grace Period. If you do  Transfers, Overdraft Protection 
                                not pay your Bill in full (including  Advances, Checks or Cash 
                                the amount of any special  Advances to your Account no 
                                promotions, Convenience Check  earlier than the date of the 
                                offers, etc.), you will lose your  transaction (for Checks, the date 
                                Grace Period.         the payee deposits the Check). 
                                                      We may choose to add fees to 
                                � If you lose your Grace Period by 
                                                      your Account on the date of the 
                                making only a partial payment that 
                                                      related transaction, the date they 
                                is at least equal to the Minimum 
                                                      are posted, or the last day of the 
                                Payment due on or before the Due 
                                                      billing period.  
                                Date, then in the next Billing 
                                Period, we will apply your partial  Amounts added to your Account 
                                payment as of the first day of that  remain subject to Interest Charges 
                                next Billing Period.   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  to your Account in any way we 
                                with 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 
           Interest Charge  the 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 
           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. 
            
           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, 
                                listed on your billing statement or  be 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 
           number of other information has            us updated financial information 
           changed.                                   about you, and you agree to do so. 
            
           ARBITRATION AND WAIVER OF JURY TRIAL RIGHTS 
           This Arbitration Provision will not apply to new accounts opened on or after October 3, 2017 by 
           Covered Borrowers as such term "Covered Borrower" is defined by the Military Lending Act, 10 
           U.S.C. 987 e. seq. and its implementing regulations.  
           Arbitration Provision. This Arbitration Provision sets forth the circumstances and procedures under which 
           a Claim or Claims (as defined below) may be arbitrated instead of litigated in court. This Arbitration 
           Provision supersedes and replaces any existing arbitration provision between you and us. This 
           Arbitration Provision will apply to the Account(s) unless you notify us in writing that you reject the 
           Arbitration Provision within 60 days of opening the Account(s). Send your rejection notice to 
           KeyBank N.A., PO Box 93752, Cleveland, Ohio 44101-5752. Your notice must be legible and 
           include your name, the names of any joint account holders and the account number(s), the last 
           four digits of your card number, the date of your notice, your address (street, city, state and zip 
           code), your daytime telephone number, and must be signed by at least one of the joint account 
           holders. Your rejection notice should not include any other correspondence. Calling us to reject 
           the Arbitration Provision or providing notice by any other manner or format than as described 
           above will not operate as a rejection of this Arbitration Provision and consequently this 
           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 BY A COURT.  
           There shall be no authority for any Claims to be arbitrated on a class action or private attorney general 
           basis. Furthermore, arbitration can only decide your or our Claim(s) and may not consolidate or join the 
           claims of other persons that may have similar claims. There shall be no pre-arbitration discovery except 
           as provided for in the applicable Arbitration Rules. Any arbitration hearing that you attend shall take place 
           in the federal judicial district of your residence. 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 1-877-634-2968 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.  
                                                  �
                        Key Private Bank Mastercard  Credit Card  
                                    As of July 16, 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 
                                            13.74 %. This APR will vary with the market 
                                            based on Prime Rate.  
          APR for Cash Advances             25.74 %.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 13.74 %. 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                        $395.00 ($100.00 for each additional card added 
                                            to the account)  
          Transaction Fees:  
          Balance Transfer Fee              Either $10.00 or 3% or 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 3% 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  $00.00  
            
           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 8947-6656)