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�either
                                Account�by�any�other�means of�you,�we�may�disclose�information
                                                      about�the�Account�to�either�of�you,
                                                      and�we�may�accept�instructions
                                                      from�either�of�you�(even�if�you�have
                                                      a�disagreement).
          We,�us,�our�and�KeyBank KeyBank�National�Association We�are�the�creditor�of�your�Account
                                                      and�the�issuer�of�your�Card.
          Credit�Limit          Your�credit�limit�is�the�maximum We�will�advise�you�of�the�total�credit
                                amount�that�you�can�have limit�on�your�Account�when�we�first
                                outstanding�on�your�Account�at�any send�you�your�Card�and�when�we
                                time.�You�agree�not�to�request�any post�it�on�your�monthly�billing
                                transactions�that�would�cause�your statement.�Your�Cash�Advance�limit
                                Account�balance�to�exceed�the is�only�a�portion�of�your�total
                                credit�limit.�You�are�responsible�for available�(unused)�credit�limit.�Your
                                balances�on�your�Account�including total�credit�limit�and�Cash�Advance
                                amounts�charged�in�excess�of�your limit�may�change�from�time�to�time.
                                credit�limit.         We�will�notify�you�of�any�such
                                                      changes�through�your�billing
                                                      statement�or�by�sending�you�a
                                                      separate�notice,�which�may�be�after
                                                      the�change�occurs.�If�no�separate
                                                      Cash�Advance�limit�is�listed�on�our
                                                      billing�statement,�then�the�amount�of
                                                      your�credit�limit�available�for�Cash
                                                      Advances�is�your�total�credit�limit.
                                                      We�may�cancel,�change,�or�rescind
                                                      your�credit�availability�at�any�time.
                                                      We�may�approve�a�transaction�that
                                                      causes�your�Account�balance�to
                                                      exceed�the�credit�limit,�but�we�do
                                                      not�treat�such�a�transaction�as�a
                                                      request�for�an�increase�in�your�credit
                                                      limit.
          Authorized�Users      You�are�responsible�for�any�use�of If�you�request,�we�may�issue�Cards
                                your�Account�by�an�authorized�user that�access�your�Account�to�your
                                or�anyone�else�that�you�permit�to authorized�users.�If�you�revoke�an
                                use�your�Account.�You�must�notify authorized�user,�we�may�close�your
                                us�to�revoke�an�authorized�user's Account�and�issue�a�new�Card(s)
                                permission�to�use�your�Account. with�a�different�Account�number.
                                You�are�responsible�to�recover�from
                                that�authorized�user�and�destroy�any
                                Cards,�checks�and�other�devices
                                that�can�be�used�as�a�means�of
                                accessing�your�Account.
          Annual�Membership�Fee If�your�Account�has�an�Annual We�will�add�your�annual�fee�to�your
                                Membership�Fee,�the�amount�of�the monthly�billing�statement�once�a
                                fee�is�listed�in�the�Rates�and�Fees year,�whether�or�not�you�use�your
                                Table.�You�are�responsible�for Account.�Information�is�provided
                                paying�the�fee�every�year�your below�under�Authorization�of
                                Account�is�open�or�until�your Transactions/Closing�the�Account
                                Account�is�closed�and�paid�in�full. 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�affiliates.
                                and�Fees�table.
          Cash�Advances�and�Fees                      We�treat�certain�transactions�as
                                You�may�obtain�cash�from�ATMs�or
                                                      Cash�Advances.�See�the�Cash
                                at�banks.�We�will�charge�a�Cash
                                                      Advance�section�under�Your
                                Advance�fee�or�Cash�Equivalent�fee
                                                      Account�Terms,�above.
                                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�us
                                                      use?�we�have�the�right�not�to�pay�a
                                to�access�your�Account�(sometimes
                                                      check�for�any�reason.�You�may�not
                                referred�to�as�"convenience
                                                      use�a�convenience�check�to�make�a
                                checks").�Checks�will�be�added�to
                                                      payment�on�the�Account�or�any
                                your�Purchase�balance�(but�there�is
                                                      other�Account�with�us.
                                no�grace�period�to�avoid�interest
                                charges).
                                We�will�charge�a�Convenience
                                Check�Advance�Fee�on�the�amount
                                of�each�Convenience�Check
                                Advance,�as�set�forth�in�the�Rates
                                and�Fees�table.
          Overdraft�Protection�Advances�and
                                You�may�set�up�this�Account�to We�allow�your�Card�Account�to�be
          Fees
                                cover�overdrafts�on�your�checking linked�to�a�KeyBank�Checking
                                account�at�KeyBank�("Checking Account.�Only�one�OD�Advance�will
                                Account").�Overdraft�Protection be�made�each�day.�The�terms�of
                                Advances�("OD�Advances")�will�be this�Agreement�and�your�checking
                                treated�as�Cash�Advances. account�agreement�will�apply.�In
                                                      order�to�link�your�Card�Account�to
                                We�will�charge�an�Overdraft
                                                      your�Checking�Account,�all�persons
                                Protection�Transfer�Fee�to�your
                                                      who�applied�for�the�Card�Account�or
                                Card�Account�each�day�an
                                                      who�are�liable�on�the�Card�Account
                                Overdraft�Protection�Advance
                                                      must�be�owners�of�the�Checking
                                occurs�as�set�forth�in�the�Rates�and
                                                      Account.�If�at�any�time�for�any
                                Fees�Table.
                                                      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�recurring
                                bill�charges�on�a�recurring�basis�to transactions�if�your�Account�is
                                your�Account.�To�withdraw�your closed,�suspended,�or�the�Account
                                authorization,�you�must�contact�the number�changes.�You�agree�that�we
                                third�party.�If�your�Account�is�closed may�(but�are�not�required�to)�provide
                                or�suspended,�your�Account�number the�third�party�your�current�Account
                                is�changed,�or�to�withdraw status,�Card�number�and/or
                                authorization,�you�will�need�to expiration�date�to�facilitate
                                contact�the�third�party. payments.
          Promotions            You�may�receive�special�offers Any�special�offer�is�subject�to�this
                                related�to�your�Account. Agreement,�unless�specified
                                                      otherwise.
          Rewards               If�your�Account�provides�you�with We�will�provide�you�with�all
                                the�opportunity�to�earn�rewards, information�and�terms�about�your
                                points�may�be�redeemed�for�brand rewards�separately.�We�will�include
                                named�merchandise,�gift�cards, on�your�billing�statement�all�rewards
                                travel�rewards,�or�other�redemption you�have�earned.
                                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�any We�may�refuse�to�authorize�any
          Transactions/Closing�the�Account time�by�notifying�us�either�in�writing transactions�at�our�sole�discretion,
                                at�the�address�shown�on�your�billing even�if�there�is�sufficient�available
                                statement�or�by�phone�at�the credit.�We�are�not�responsible�for
                                number�provided�on�your�billing any�losses�associated�with�a
                                statement.�We�will�not�honor�any declined�transaction.�We�may�close
                                convenience�check�or�authorize�any your�Account�or�terminate�your
                                transactions�after�your�Account�is credit�privileges�at�any�time�for�any
                                closed.�You�remain�responsible�for reason,�subject�to�applicable�law.
                                any�balance�on�your�Account. Your�Account�balance�will�continue
                                                      to�accrue�Interest�Charges�and�fees
                                                      and�remain�subject�to�all�terms�of
                                                      this�Agreement.�If�we�do�so,�you
                                                      may�not�use�your�Card�or�any
                                                      checks�we�have�issued.
          MAKING�PAYMENTS
          You�will�receive�a�billing�statement�each�month,�if�one�is�required.�It�will�show�your�minimum�payment�and�the
          Payment�Due�Date,�and�will�provide�instructions�for�making�your�payment.
          IMPORTANT�INFORMATION WHAT�IT�MEANS         HOW�IT�AFFECTS�THE
                                                      ACCOUNT
          Payment�Instructions  You�must�follow�the�payment As�long�as�you�make�your�payment
                                instructions�provided�on�your in�accordance�with�the�instructions
                                monthly�billing�statement.�All on�your�billing�statement�by�the�date
                                payments�made�by�check�must�be and�time�payments�are�due,�we�will
                                drawn�on�a�U.S.�financial�institution credit�your�payment�as�of�the�day�it
                                in�U.S.�Dollars.�You�authorize�us�to is�received.�We�may�accept�and
                                either�use�information�from�your process�late,�partial�and�payments
                                check�to�make�a�one�time�electronic marked�as�"paid�in�full"�without
                                fund�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�of
                                amounts�and�also�any�amounts�in Your�Cardmember�Agreement.�The
                                excess�of�your�credit�limit�when minimum�payment�will�appear�on
                                billed�on�your�monthly�billing your�monthly�billing�statement,�and
                                statements�or�sooner�if�we�ask. may�include�any�past�due�amounts
                                                      and�any�amounts�in�excess�of�your
                                                      credit�limit.
          How�to�Avoid�Paying�Interest�on
                                If�you�paid�the�New�Balance�that Except�as�described�in�the�column
          Purchases�and�When�We�Begin�to
                                was�shown�on�your�previous�billing on�the�left,�we�add�new�Purchases
          Charge�Interest
                                statement�by�the�Payment�Due to�your�Account,�and�they�begin�to
                                Date�on�that�statement,�then: accrue�Interest�Charges,�on�the
                                                      date�of�the�transaction.
                                       We�will�not�impose
                                       Interest�Charges�on There�is�no�grace�period�for�Balance
                                       Purchases�during�your Transfers�or�Cash�Advances.�We
                                       current�billing�period�if add�new�Balance�Transfers,
                                       you�pay�the�New Overdraft�Protection�Advances,
                                       Balance�on�your�current Checks�or�Cash�Advances�to�your
                                       billing�statement�by�the Account�no�earlier�than�the�date�of
                                       Payment�Due�Date�in the�transaction�(for�Checks,�the
                                       the�current�billing�period, date�the�payee�deposits�the�Check).
                                       and            We�may�choose�to�add�fees�to�your
                                       We�will�credit�any Account�on�the�date�of�the�related
                                       payment�applied�toward transaction,�the�date�they�are
                                       Purchases�as�of�the�first posted,�or�the�last�day�of�the�billing
                                       day�in�your�current period.
                                       billing�period�if�you�make
                                                      Amounts�added�to�your�Account
                                       a�payment�by�the
                                                      remain�subject�to�Interest�Charges
                                       Payment�Due�Date�in
                                                      until�paid�in�full.
                                       the�current�billing�period
                                       that�is�less�than�the
                                       New�Balance.
                                If�a�New�Balance�was�shown�on
                                your�previous�billing�statement�and
                                you�did�not�pay�the�New�Balance�by
                                the�Payment�Due�Date�on�that
                                statement,�then�we�will�not�impose
                                Interest�Charges�on�any�Purchases
                                during�the�current�billing�period�if
                                you�pay�the�New�Balance�shown�on
                                your�current�billing�statement�by�the
                                Payment�Due�Date�in�the�current
                                billing�period.
          Application�of�Payments If�you�make�more�than�the�minimum We�may�apply�the�amount�of�your
                                payment�when�due,�the�excess payment�less�than�or�equal�to�your
                                above�the�minimum�payment�is minimum�payment�and�any�credits
                                applied�to�balances�with�the�highest to�your�Account�in�any�way�we
                                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�any
          Balance�for�each�day 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,�we
          Charged�to�the�Account add�Interest�Charges�on�the�Purchases�balance�to�the�Purchases�balance).�Cash
                          Advance,�Overdraft�Protection�Transfer,�and�convenience�check�fees�are�added�to
                          the�Cash�Advance�balance�and�Balance�Transfer�fees�are�added�to�the�Balance
                          Transfer�balances,�as�applicable,�and�all�other�fees�are�added�to�the�Purchases
                          balance.
          We�add�the�Minimum by�adding�the�amount�set�forth�in�the�Rates�and�Fees�table�to�one�or�more�of�the
          Interest�Charge categories�of�transactions�in�which�there�are�balances.�We�apply�the�Minimum
                          Interest�Charge�for�any�month�where�Interest�Charges�are�due�but�are�calculated
                          as�less�than�the�Minimum�Interest�Charge.
          FEES�AND�OTHER�ACTIONS
          There�may�be�times�when�circumstances�result�in�a�fee�or�other�action�being�assessed�on�the�Account.�The
          Rates�and�Fees�Table�lists�the�amounts�of�these�fees.�All�such�fees�will�be�added�to�the�Purchase�balance,
          unless�otherwise�indicated.�Additional�fees�for�special�services�you�request�may�apply.�You�will�be�advised�of
          the�amount�of�such�fees�at�the�time�of�your�request.
          TO�AVOID              ACTIONS�YOU�MUST�TAKE WHAT�WE�WILL�CHARGE�YOU
          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,�be
                                listed�on�your�billing�statement�or liable�for�unauthorized�use�that
                                Card.                 occurs�before�your�notice�to�us.�In
                                                      any�case,�your�liability�will�not
                                                      exceed�$50.
          My�Account�is�closed�or You�must�still�repay�all�amounts�you You�remain�responsible�for�your
          suspended?            owe�under�this�Agreement. balance.
          My�name,�address,�telephone Notify�us�of�any�change. We�may�also�ask�you�to�provide�us
          number�of�other�information�has             updated�financial�information�about
          changed.                                    you,�and�you�agree�to�do�so.
          ARBITRATION�AND�WAIVER�OF�JURY�TRIAL�RIGHTS
          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�June�12,�2017
                                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
                                            12.74�%.�This�APR�will�vary�with�the�market
                                            based�on�Prime�Rate.
          APR�for�Cash�Advances
                                            24.74�%.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�12.74�%.�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�4%�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�4%�of�the�amount�of�each
                                            transaction,�whichever�is�greater.
          Cash�Equivalent�Fee               Either�$10.00�or�4%�of�the�amount�of�each
                                            transaction,�whichever�is�greater.
          Overdraft�Protection�Transfer�Fee $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�1669�512)