CARDMEMBER AGREEMENT – RATES AND FEES TABLE 
Key Private Bank MasterCard® Credit Card 

Interest Rates and Interest Charges 

0.00% Introductory APR for the first 6 monthly billing cycles.  After 
that, your APR will be 11.99%. 
This APR will vary with the market based on the Prime Rate.   

23.99% 
This APR will vary with the market based on the Prime Rate. 
0.00% 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 11.99%. 
This APR will vary with the market based on the Prime Rate.   
Your 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. 
If you are charged interest, the charge will be no less than $0.50. 

To learn more about factors to consider when applying for or using a 
credit card, visit the website of the Consumer Financial Protection 
Bureau http://www.consumerfinance.gov/learnmore 

Annual 
Percentage Rate 
(APR) for 
Purchases  
APR for Cash 
Advances 
APR for Balance 
Transfers 

Paying Interest  

Minimum Interest 
Charge 
For Credit Card 
Tips from the 
Consumer 
Financial 
Protection 
Bureau 

$195 ($100 for each additional card added to the account).  

Fees 

Annual Fee 
Transaction Fees: 
Balance Transfer 
Fee 
Cash Advance Fee 

Either $10.00 or 3% of the amount of each transaction, whichever is 
greater.  
Either $10.00 or 4% of the amount of each transaction, whichever is 
greater. 
Either $10.00 or 3% of the amount of each transaction, whichever is 
greater. 

Convenience Check 
Advance Fee 
Cash Equivalent Fee  Either $10.00 or 4% of the amount of each transaction, whichever is 

greater. 

Overdraft Protection 
Transfer Fee 

$0.00 

M8977. 41321. Rates are accurate as of 3/17/20 and were in effect within 30 days of this form being provided. 

 
 
 
 
 
 
 
 
 
 
 
 
 
How We Calculate Your Balance:  We use a method called the average daily balance method 
(including new purchases).  See your Cardmember Agreement, below, for details. 

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. 

ADDITIONAL TERMS OF YOUR CARDMEMBER AGREEMENT: 

Your Interest 
Rates 

Minimum 
Monthly 
Payment 

Your APRs are variable rates that will be calculated by adding a “spread” or 
“margin” to an index.  The index is the Prime Rate as published in the “Money 
Rates’ section of The Wall Street Journal.  At the end of your billing period, we 
look at the Prime Rate as published on the last business day of the previous 
calendar month to determine your index.  An increase or decrease in the index 
will cause a corresponding increase or decrease in your variable rates effective 
as of the first day of your billing cycle that begins in the same month in which 
such change in the index is published.  If the APR increases you will pay a 
higher interest Charge and may have a higher Minimum Payment.  If The Wall 
Street Journal ceases to publish the Prime Rate, or if it changes the definition 
of the U.S. Prime Rate, we may in our sole discretion, substitute another index. 

Once any introductory APR period has expired, to determine the APR for 
Purchases, we add 8.74% to the Prime Rate (currently 11.99% APR and a 
Daily Periodic Rate (DPR) of 0.03285%), to determine the APR for Balance 
Transfers, we add 8.74% to the Prime Rate (currently 11.99% APR and a Daily 
Periodic Rate (DPR) of 0.03285%), and to determine the APR for Cash 
Advances, we add 20.74% to the Prime Rate (currently 23.99% APR and a 
DPR of 0.06573%). 
Your Minimum Monthly Payment will equal the greater of $30.00 or  1% of the 
outstanding balance on the Account (inclusive of all fees other than the late 
fee) plus, interest charges, late fees and any past due amount.