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CARDMEMBER AGREEMENT Please take the time to review the following
important information about your Account and retain it for future reference. This
document, including the accompanying Rates and Fees Table and the Additional
Terms of Your Cardmember Agreement, is an agreement between you, the
Cardmember, and us, KeyBank National Association, and is referred to throughout
this document as the "Cardmember Agreement" or "Agreement." If you have any
questions, please call us using the number on the back of your Card or on your
billing statement.
Your Agreement and Promise to Pay: By using the Account, making a payment on the Account, or
signing an application for any Card we send you, you agree to the terms of this Agreement. You agree
to pay us all amounts that we lend to you on your Account, together with Interest Charges and fees as
provided in this Agreement.
YOUR ACCOUNT TERMS
IMPORTANT TERMS
WHAT IT MEANS
HOW IT AFFECTS THE
ACCOUNT
You and your
All persons who applied for the
If there are joint Cardmembers,
Account or who are liable on the
we may send communications to
Account by any other means
either of you, we may disclose
information about the Account to
either of you, and we may accept
instructions from either of you
(even if you have a
disagreement).
We, us, our and KeyBank
KeyBank National Association
We are the creditor of your
Account and the issuer of your
Card.
Credit Limit
Your credit limit is the maximum
We will advise you of the total
amount that you can have
credit limit on your Account when
outstanding on your Account at
we first send you your Card and
any time. You agree not to
when we post it on your monthly
request any transactions that
billing statement. Your Cash
would cause your Account
Advance limit is only a portion of
balance to exceed the credit limit. your total available (unused)
You are responsible for balances
credit limit. Your total credit limit
on your Account including
and Cash Advance limit may
amounts charged in excess of
change from time to time. We will
your credit limit.
notify you of any such changes
through your billing statement or
by sending you a separate notice,
which may be after the change
occurs. If no separate Cash
Advance limit is listed on our
billing statement, then the amount
of your credit limit available for
Cash Advances is your total
credit limit. We may cancel,
change, or rescind your credit
availability at any time. We may
approve a transaction that causes
your Account balance to exceed
the credit limit, but we do not
treat such a transaction as a
request for an increase in your
credit limit.
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Authorized Users
You are responsible for any use
If you request, we may issue
of your Account by an authorized
Cards that access your Account
user or anyone else that you
to your authorized users. If you
permit to use your Account. You
revoke an authorized user, we
must notify us to revoke an
may close your Account and
authorized user's permission to
issue a new Card(s) with a
use your Account. You are
different Account number.
responsible to recover from that
authorized user and destroy any
Cards, checks and other devices
that can be used as a means of
accessing your Account.
IMPORTANT DEFINITIONS
Cash Advance
The following transactions will be treated as Cash Advances: all advances
to get cash over the counter, through an ATM, or other "cash-like"
transactions (such as purchasing a money order, traveler's check, casino
betting chip, or a lottery ticket) as determined by us. We sometimes call
these Cash Equivalents.
Daily Periodic Rate (DPR)
The daily periodic rate for a given balance is equal to the APR for that
balance divided by 365. It is a daily interest rate.
Payment Due Date
This is the date by which we must receive the minimum payment in order
for it to be on time. Your monthly billing statement will list the Payment
Due Date.
Default
An Account will be in default if:
1) you fail to make at least the minimum payment when due; 2) you violate
any other provision of this Agreement; 3) we believe you may be unwilling
or unable to pay your debts on time; 4) you file for bankruptcy; or 5) you
become incapacitated or die.
If your Account is in default, we may close your Account or terminate or
suspend your credit privileges without notice and require full payment of
your outstanding balance immediately.
We can also begin collection activities. To the extent permitted by law, if
you are in default because you have failed to pay us, we will require you to
pay our collection costs, attorneys' fees, court costs and all other
expenses of enforcing our rights under this Agreement.
USING YOUR ACCOUNT
You may use your Account only for personal, family or household purposes. You may not use your
Account for illegal purposes, and you may not use your Account for internet gambling (even if legal).
However, you are still responsible for any transactions that you enter into in violation of this
Agreement.
USE
WHAT IT MEANS
HOW IT AFFECTS THE
ACCOUNT
Purchases
You may use the Account to buy
We authorize charges to your
goods and services.
Account in accordance with the
terms of the Agreement.
Balance Transfers and Fees
You can transfer balances to your
We permit Balance Transfers
Account by contacting us. We
from most accounts issued by
will charge a Balance Transfer
other banks. We do not permit
fee on the amount of each
Balance Transfers from other
Balance Transfer, as set forth in
accounts or loans with us or any
the Rates and Fees table.
of our affiliates.
Cash Advances and Fees
We treat certain transactions as
You may obtain cash from ATMs
or at banks.
Cash Advances. See the Cash
Advance section under Your
We will charge a Cash Advance
Account Terms, above.
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fee or Cash Equivalent fee on the
amount of each Cash Advance,
as set forth in the Rates and
Fees table.
Checks and Fees
You may use checks provided by
We may provide checks for your
us to access your Account
use; we have the right not to pay
(sometimes referred to as
a check for any reason. You may
"convenience checks"). Checks
not use a convenience check to
will be added to your Purchase
make a payment on the Account
balance (but there is no grace
or any other Account with us.
period to avoid interest charges).
We will charge a Convenience
Check Advance Fee on the
amount of each Convenience
Check Advance, as set forth in
the Rates and Fees table.
Overdraft Protection Advances
and Fees
You may set up this Account to
We allow your Card Account to
cover overdrafts on your
be linked to a KeyBank Checking
checking account at KeyBank
Account. Only one OD Advance
("Checking Account"). Overdraft
will be made each day. The terms
Protection Advances ("OD
of this Agreement and your
Advances") will be treated as
checking account agreement will
Cash Advances.
apply. In order to link your Card
We will charge an Overdraft
Account to your Checking
Protection Transfer Fee to your
Account, all persons who applied
Card Account each day an
for the Card Account or who are
Overdraft Protection Advance
liable on the Card Account must
occurs as set forth in the Rates
be owners of the Checking
and Fees Table.
Account. If at any time for any
reason the persons who applied
for the Card Account or who are
liable on the Card Account and
the owners of the Checking
Account are different, your right
to take OD Advances will
terminate.
At the end of each business day,
an automatic OD Advance will be
made on your Card Account
when the total amount of
withdrawals from your Checking
Account made during the day and
service charges we post to your
Checking Account for the day,
exceed the amount of funds in
your Checking Account that is
available for withdrawal. You
request that these automatic OD
Advances be made and agree
that the amount of the OD
Advances will be advanced from
your Card Account up to the
amount that is available under
your Cash Advance limit. The
Cash Advance limit amount used
for authorization of OD Advances
is calculated as of the end of the
prior business day and may be
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updated with current day
information if available. Cash
Advances occurring during the
day will reduce the amount of the
Cash Advance limit available for
OD Advances. The automatic OD
Advance will equal the lesser of
the amount needed to cover the
unpaid amount of withdrawals
and service charges in your
Checking Account, or the amount
of available funds under your
Cash Advance limit, rounded up
to the nearest $50.00 increment.
Please note that we may pay
items into overdraft, at our
discretion, and charge an
overdraft fee on your Checking
Account if you do not have
available funds under your Cash
Advance limit for an OD Advance
of the total overdraft amount.
If you fail to properly maintain
your accounts, in addition to other
rights and remedies we have, we
may terminate your Overdraft
Protection. You may cancel the
Overdraft Protection services at
any time by giving us written
notice at the address printed on
your Card Account monthly
statement. We may cancel your
Overdraft Protection and stop
making OD Advances at any
time.
Recurring Transactions
You may authorize a third party to
We are not responsible for
bill charges on a recurring basis
recurring transactions if your
to your Account. To withdraw
Account is closed, suspended, or
your authorization, you must
the Account number changes.
contact the third party. If your
You agree that we may (but are
Account is closed or suspended,
not required to) provide the third
your Account number is changed,
party your current Account
or to withdraw authorization, you
status, Card number and/or
will need to contact the third
expiration date to facilitate
party.
payments.
Promotions
You may receive special offers
Any special offer is subject to
related to your Account.
this 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
rewards separately. We will
brand named merchandise, gift
include on your billing statement
cards, travel rewards, or other
all rewards you have earned.
redemption items as we
determine from time to time.
Foreign Transaction Fee and
For transactions that take place
MasterCard International
Exchange Rate
outside the United States, a fee
("MasterCard") will convert
may be assessed on the U.S.
transactions made in a foreign
Dollar amount of the transaction.
country using a government-
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See the Rates and Fees Table
mandated or wholesale rate in
above for the fee applicable to
effect on the processing date
the Account.
(which may differ from the rate on
the date of your transaction). The
rate used may differ from the rate
that MasterCard actually
receives.
Authorization of
You may close your Account at
We may refuse to authorize any
Transactions/Closing the
any time by notifying us either in
transactions at our sole
Account
writing at the address shown on
discretion, even if there is
your billing statement or by phone
sufficient available credit. We are
at the number provided on your
not responsible for any losses
billing statement. We will not
associated with a declined
honor any convenience check or
transaction. We may close your
authorize any transactions after
Account or terminate your credit
your Account is closed. You
privileges at any time for any
remain responsible for any
reason, subject to applicable law.
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
instructions provided on your
payment in accordance with the
monthly billing statement. All
instructions on your billing
payments made by check must
statement by the date and time
be drawn on a U.S. financial
payments are due, we will credit
institution in U.S. Dollars. You
your payment as of the day it is
authorize us to either use
received. We may accept and
information from your check to
process late, partial and
make a one-time electronic fund
payments marked as "paid in full"
transfer from your account or to
without losing our rights under
process the payment as a check
this Agreement. Any such
transaction.
payment 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.
payment based on the method
You also agree to pay any past
described in the Additional Terms
due amounts and also any
of Your Cardmember Agreement.
amounts in excess of your credit
The minimum payment will
limit when billed on your monthly
appear on your monthly billing
billing statements or sooner if we
statement, and may include any
ask.
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
Purchases and When We Begin
was shown on your previous
column on the left, we add new
to Charge Interest
billing statement by the Payment
Purchases to your Account, and
Due Date on that statement,
they begin to accrue Interest
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then:
Charges, on the date of the
transaction.
We will not impose
Interest Charges on
There is no grace period for
Purchases during
Balance Transfers or Cash
your current billing
Advances. We add new Balance
period if you pay the
Transfers, Overdraft Protection
New Balance on your
Advances, Checks or Cash
current billing
Advances to your Account no
statement by the
earlier than the date of the
Payment Due Date in
transaction (for Checks, the date
the current billing
the payee deposits the Check).
period, and
We may choose to add fees to
We will credit any
your Account on the date of the
payment applied
related transaction, the date they
toward Purchases as
are posted, or the last day of the
of the first day in your
billing period.
current billing period if
Amounts added to your Account
you make a payment
remain subject to Interest
by the Payment Due
Charges until paid in full.
Date in 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
We may apply the amount of your
minimum payment when due, the
payment less than or equal to
excess above the minimum
your minimum payment and any
payment is applied to balances
credits to your Account in any
with the highest APRs first.
way we choose. We generally
apply these payments to lower
APR balances first, which means
you may pay higher Interest
Charges.
Credit Balances
You may request a refund of
If no refund is requested, we will
credit 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,
Balance for each day
adding any new transactions and any accrued but unpaid interest for the
prior day, and then subtracting any payments and/or credits and other
adjustments. We treat any daily balance that is a credit balance as a zero
balance.
We calculate the
by adding all of the Daily Balances for each day in the billing period and then
Average 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
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Charges for each
daily balance" for that balance. We multiply the result by the number of days
balance
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
Charged to the Account
example, we add Interest Charges on the Purchases balance to the
Purchases balance). Cash Advance, Overdraft Protection Transfer, and
convenience check fees are added to the Cash Advance balance and
Balance Transfer fees are added to the Balance Transfer balances, as
applicable, and all other fees are added to the Purchases balance.
We add the Minimum
by adding the amount set forth in the Rates and Fees table to one or more of
Interest Charge
the categories of transactions in which there are balances. We apply the
Minimum Interest Charge for any month where Interest Charges are due but
are calculated as less than the Minimum Interest Charge.
FEES AND OTHER ACTIONS
There may be times when circumstances result in a fee or other action being assessed on the
Account. The Rates and Fees Table lists the amounts of these fees. All such fees will be added to the
Purchase balance, unless otherwise indicated. Additional fees for special services you request may
apply. You will be advised of the amount of such fees at the time of your request.
TO AVOID
ACTIONS YOU MUST TAKE
WHAT WE WILL CHARGE
YOU
Late Payment Fee
Ensure that we receive at least
If any payment is late, we may
the minimum payment by the
charge you a late payment fee.
Payment Due Date shown on the
See the Rates and Fees Table for
monthly billing statement.
the late payment fee applicable to
your Account. In no event will
your late payment fee exceed the
amount of your minimum
payment due.
Stop Payment Fee
Do not stop payment on checks.
We may charge a stop payment
fee of $34.00 if we stop payment
on a check at your request.
Collections
Do not default.
If the Account is in default, we
may take the actions described
above in the Default section
under Important Definitions,
above.
Statement Reprint Fee
You can request a copy of your
We will add a Statement Reprint
statement.
fee of $6 to your purchase
balance if you request a copy of
your monthly statement.
Rush Order Fee -
You can request that a new or
We will add a Rush Order fee of
replacement card be sent to you
$25 to your Purchase balance if
Card Replacement
on an expedited basis.
you request that a new or
replacement card be sent to you
on an expedited basis.
FAQ
WHAT YOU MUST DO
HOW IT AFFECTS THE
ACCOUNT
My Card is lost or stolen, or my
Contact us immediately and stop
You will not be liable for any
Account has been compromised?
using your Account. Contact us
unauthorized use that occurs
at the address or telephone
after you notify us. You may,
number listed on your billing
however, be liable for
statement or Card.
unauthorized use that occurs
before your notice to us. In any
case, your liability will not exceed
$50.
My Account is closed or
You must still repay all amounts
You remain responsible for your
suspended?
you owe under this Agreement.
balance.
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My name, address, telephone
Notify us of any change.
We may also ask you to provide
number of other information has
us updated financial information
changed.
about you, and you agree to do
SO.
ARBITRATION AND WAIVER OF JURY TRIAL RIGHTS
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
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FORTH BELOW. THE ARBITRATOR'S DECISION WILL BE FINAL AND BINDING. YOU
UNDERSTAND THAT OTHER RIGHTS THAT YOU WOULD HAVE IF YOU WENT TO COURT
MAY ALSO NOT BE AVAILABLE IN ARBITRATION. THE FEES CHARGED BY THE
ARBITRATION ADMINISTRATOR MAY BE GREATER THAN THE FEES CHARGED BYA
COURT.
There shall be no authority for any Claims to be arbitrated on a class action or private attorney general
basis. Furthermore, arbitration can only decide your or our Claim(s) and may not consolidate or join
the claims of other persons that may have similar claims. There shall be no pre-arbitration discovery
except as provided for in the applicable Arbitration Rules. Any arbitration hearing that you attend shall
take place in the federal judicial district of your residence. At your written request, we will pay all fees
charged by the arbitration administrator for any Claim(s) asserted by you in the arbitration, after you
have paid an amount equivalent to the fee, if any, for filing such Claim(s) in state or federal court
(whichever is less) in the judicial district in which you reside. (If you have already paid a filing fee for
asserting the Claim(s) in court, you will not be required to pay that amount again.) If the arbitrator
issues an award in our favor, you will not be required to reimburse us for any of the fees we have
previously paid to the administrator or for which we are responsible. Each party shall bear the
expense of that party's attorneys', experts', and witness fees, regardless of which party prevails in
the arbitration, unless applicable law and/or this Agreement gives you the right to recover any of those
fees from us. In the event you do not prevail in the arbitration, we will not seek to recover our
attorneys', experts' or witness fees from you. This Arbitration Provision is made pursuant to a
transaction involving interstate commerce, and shall be governed by the Federal Arbitration Act
("FAA"), 9 U.S.C. Sections 1 et. seq. The arbitrator shall apply applicable substantive law consistent
with the FAA and applicable statutes of limitations and shall honor claims of privilege recognized at
law, and at the timely request of any party, shall provide a brief written explanation of the basis for the
award. In conducting the arbitration proceeding, the arbitrator shall not apply the federal or any state
rules of civil procedure or rules of evidence. Judgment upon the award rendered by the arbitrator may
be entered in any court having jurisdiction. The arbitrator's decision will be final and binding, except for
any right of appeal provided by the FAA and except that, if the amount in controversy exceeds
$10,000.00 any party can appeal to a three-arbitrator panel administered by the arbitration
administrator which shall reconsider de novo (i.e. without regard to the original arbitrator's findings)
any aspect of the initial award requested by the appealing party. The decision of the panel shall be by
majority vote. The costs of such an appeal will be borne by the appealing party regardless of the
outcome of the appeal.
This Arbitration Provision shall survive termination of all Accounts subject to this Agreement. If any
portion of this Arbitration Provision is deemed invalid or unenforceable under any law or statute
consisted with the FAA, it shall not invalidate the remaining portions of this Arbitration Provision or
the
Agreement. In the event of a conflict or inconsistency between the applicable Arbitration Rules and
this Arbitration Provision, this Arbitration Provision shall govern.
Contacting Arbitration Administrators
If you have a question about the arbitration administrators mentioned in this Arbitration Provision or
would like to obtain a copy of their Arbitration Rules or fee schedules, you can contact them as
follows: American Arbitration Association, 1633 Broadway, 10th Floor, New York, New York 10019,
www.adr.org, (800) 778-7879. Commercial or Consumer Rules, J.A.M.S./Endispute, 222 South
Riverside Plaza, Suite 1850, Chicago, IL 60606; www.jamsadr.com (800) 352-5267, Financial
Services Arbitration Rules and Procedures.
OTHER TERMS OF THE RELATIONSHIP
Communications
We may send Cards, statements, and other communications to you at
any mailing or email address in our records. By providing a telephone
number for a cellular telephone, other wireless device, or a landline
number that was later converted to a wireless device, you are expressly
consenting to receiving communications at that number, including, but
not limited to, prerecorded or artificial voice message calls, text
messages, and calls made by an automatic telephone dialing system
from KeyBank and its affiliates and agents. This express consent applies
to each such telephone number that you provide to us now or in the
future and permits such calls regardless of their purpose. These calls
and messages may incur access fees from your cellular provider.
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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
KeyBanl may restrict use of your Card in any jurisdiction or country
where such use would be contrary to U.S. law or regulation, or which is
identified as presenting a high risk of fraud. Please call 1-800-KEY2YOU
for the current list of countries where transactions are restricted.
YOUR BILLING RIGHTS - Keep this document for future use
This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.
What to Do If You Find A Mistake On Your Statement
If you think there is an error on your statement, write us at the address shown on your billing statement. In your letter, give us
the following information.
Account information: Your name and account number.
Dollar amount: The dollar amount of the suspected error.
Description of the problem: If you think there is an error on your bill, describe what you
believe is wrong and why you believe it is a mistake.
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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
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available to all credit worthy customers and that credit reporting agencies maintain separate credit
histories on each individual upon request. The Ohio Civil Rights Commission administers compliance
with this law.
New York and Maine Residents: You agree to give us permission to obtain one or more credit
reports from consumer reporting agencies in connection with the application, any transaction or
extension of credit that may result from this application, and on an ongoing basis, for the purposes of
performing a routine and occasional verification of credit on the Account, taking collection action on
the Account, or for any other legitimate purposes associated with the Account. Upon your request,
you will be informed of whether or not a consumer credit report was ordered, and if it was, you will be
given the name and address of the consumer reporting agency that furnished the report.
New York Residents: New York residents may contact the New York State Department of Financial
Services by telephone at 1-800-342-3736 or visit its website
(www.dfs.ny.gov/consumer/creditdebt.htm) for free information on comparative credit card rates, fees.
Vermont Residents: By signing below you consent to KeyBank obtaining and verifying information
about you (which may include a consumer credit report) that we deem necessary in evaluating your
loan application, including information about your employment, banking, and credit relationships. If
your application is approved and the loan is made, you also authorize us to obtain additional credit
reports or other information about you in connection with reviewing the account, increasing the credit
line on the account, for the purpose of taking collection action on the account, or for other legitimate
purposes associated with the account.
Utah Residents: As required by Utah law, you are hereby notified that a negative credit report
reflecting on your credit record may be submitted to a credit reporting agency if you fail to fulfill the
terms of your credit obligations.
Key2More Rewards MasterCard6 R Credit Card
As of May 19, 2016
Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases
00.00 %
Introductory APR for the first 6
monthly billing cycles. After that, your APR will
be 13.24 % to 22.24% based on your
creditworthiness. This APR will vary with the
market based on Prime Rate.
APR for Cash Advances
24.24%. This APR will vary with the market
based on Prime Rate.
APR for Balance Transfers
00.00 % Introductory APR for the first 6 monthly
billing cycles following account opening when
balance is transferred within the first 60 days
following account opening. After that, your APR
will be 13.24 % to 22.24 % based on your
creditworthiness. This APR will vary with the
market based on Prime Rate.
Paying Interest
Your payment due date is at least 25 days after
the close of each billing cycle. We will not
charge you any interest on purchases if you pay
your entire balance by the due date of each
month. We will begin charging interest on cash
advances, convenience check advances and
balance transfers on the transaction date.
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Minimum Interest Charge
If you are charged interest, the charge will be no
less than $00.50
For Credit Card Tips from the Consumer
To learn more about factors to consider when
Financial Protection Bureau
applying for or using a credit card, visit the
website of the Consumer Financial Protection
Bureau
http://www.consumerfinance.gov/learnmore
Fees
Annual Fee
None
Transaction Fees:
Balance Transfer Fee
Either $10.00 or 4% of the amount of each
transaction, whichever is greater.
Cash Advance Fee
Either $10.00 or 4% of the amount of each
transaction, whichever is greater.
Convenience Check Advance Fee
Either $10.00 or 4% of the amount of each
transaction, whichever is greater.
Cash Equivalent Fee
Either $10.00 or 4% of the amount of each
transaction, whichever is greater.
Overdraft Protection Transfer Fee
$10.00
Foreign Transaction Fee
3% of the amount of each foreign transaction
after its conversion into U.S. dollars
Penalty Fees:
Late Payment Fee
Up to $37.00
How We Calculate Your Balance: We use a method called the average daily balance method
(including new purchases).
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is
provided in your Cardmember Agreement.
Loss of Introductory APR: If you make a late payment, we may end offering you a lower introductory
APR and begin charging you the higher APR (for both Purchases and Balance Transfers) that is
specified in the table above and scheduled to take effect after the introductory APR is no longer
effective.
KeyBank Rewards Program Terms and Conditions
These terms and conditions (the "Program Rules") are provided by KeyBank National Association ("KeyBank") to govern
the use of the KeyBank Rewards Program (the "Program"). Services provided by the KeyBank Rewards Program are
additionally governed by any other separate agreement(s) Customer may have with KeyBank, and any amendments or
changes made to these Program Rules.
By enrolling in the Program, Customer agrees to be bound by these Program Rules. From time to time we may change the
Program Rules. When any change is made, we will post revisions at our website and/or we will notify you in writing, as
applicable. It is your responsibility to review the Program Rules to be aware of any changes. Your continued participation or
failure to terminate your participation in the Program will evidence your acceptance of the changes and your agreement to be
bound by them.
"Customer," "you" or "your" shall mean the person, persons or entities in whose name the Rewards Account is carried on the
books of KeyBank and shall include the masculine and feminine genders and the plural as well as the singular wherever the
context so permits. "Us," "our" and "we" shall mean collectively KeyBank and all of its affiliates and subsidiaries. "Consumer"
means an individual non-business Customer and a "Business" means a business Customer. Notices and other
communications to a Business Customer will be made to the Business.
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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. Further information on available Rewards is displayed at www.keybankrewards.com. 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 & Registration.
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 on Schedule 1.2.c (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. Registration. Registration enables a Signer to access his or her Rewards Account. You may choose any option below to
register. Once you have registered, all of your Rewards Points activity relating to any Enrolled Product for which you are a
Signer, will be visible in your Rewards Account and you will be able to redeem Rewards Points as set forth in Section IV of this
Agreement. In the future you may need to re-register with additional self-identifying information and change your user ID to be
your e-mail address due to planned system upgrades.
a. Enrolled Checking Account. If you are a Signer on an Enrolled Checking Account, you may use the rewards
number found on your Checking Account monthly statement, or available in Online Banking, to register with KeyBank
Rewards at www.keybankrewards.com, You will need to follow the directions found on the www.keybankrewards.com
website to obtain a user ID and password for future access.
b. Debit Card. If you are a Signer on an Enrolled Checking Account, you may use the number on your plastic Debit
Card to register with KeyBank Rewards at www.keybankrewards.com. You will need to follow the directions found on
the www.keybankrewards.com website to obtain a user ID and password for future access.
C. Eligible Credit Card Account. If you are a Signer on an enrolled Eligible Credit Card Account, you may use the
number on your plastic Credit Card to register with KeyBank Rewards at www.keybankrewards.com. You will need to
follow the directions found on the www.keybankrewards.com website to obtain a user ID and password for future
access. For both October 2013 Conversion Accounts and October 2014 Conversion Accounts only: Until you have
been issued a new card sometime between November 2015 and December 2016, for Consumers, only the Primary
Signer for your Credit Card Account may register for the KeyBank Relationship Rewards Program. All other Signers
will need to call 1-888-333-7780 to access the KeyBank Rewards Center to redeem Rewards Points. After issuance
of your new card in accordance with the previous sentence, you may use the number on your plastic credit card to
register with KeyBank Rewards at www.keybankrewards.com.
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
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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 or an October 2014 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 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
Fee waived
Key2More Rewards MasterCard Credit Card, Key Private Bank MasterCard Credit Card
and KeyBank Platinum MasterCard Credit Card
Conversion Accounts
Fee waived
Relationship Rewards
Account Type - Business
Annual Fee
Key Business Rewards Checking
Fee waived
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KeyBank Basic Business Checking
$40*
KeyBank Business Interest Checking
$40*
Other Business Checking Accounts Not Listed
$40*
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
Fee Waived
Credit Card
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
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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, the Rewards website
accessed through www.keybankrewards.com, 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-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
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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. In order to access the Rewards Account, you will need to have registered as
set forth in Section II above entitled Enrollment and Registration.
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 below, to redeem Rewards Points for rewards, log into www.keybankrewards.com or contact the KeyBank
Rewards Center. KeyBank Rewards Center 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. For October 2013 Conversion Accounts, only the Primary Signer may
redeem through www.keybankrewards.com and all other Signers must call 1-888-333-7780 to redeem Rewards Points.
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. Your available Rewards Points balance is available at www.keybankrewards.com and also can be
obtained by calling KeyBank at 1-800-539-2968, or otherwise as determined by KeyBank from time to time. 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. If you
are enrolled in online banking, you can access your Rewards Points balance through KeyBank Online Banking or through Key
Business Online. KeyBank Rewards Center 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 time. 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. Points earned after the last full billing cycle prior to conversion for such
Conversion Accounts will be treated as Rewards Points earned under the KeyBank Relationship Rewards Program for the
purposes of determining an expiration date. 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 can call customer service at 1-888-333-7780. 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
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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
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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 within KeyBank Relationship Rewards Program available at
www.keybankrewards.com 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 www.keybankrewards.com, you warrant that you will
not use the Travel Tool or www.keybankrewards.com 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. Please allow
three to four weeks from time of order.
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
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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.
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Schedule I.2.c
To the KeyBank Relationship
Rewards Program Terms and
Conditions
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 Visa Signature Elite*
(4) Key Private Bank Visa Signature*
(5) Key Private Bank World Elite MasterCard
(6) Key Private Bank World MasterCard
(7) KeyBank Business Travel Rewards MasterCard
(8) KeyBank Business Rewards MasterCard bearing a plastic number with the first 6 digits of 547538
(9) KeyBank Key2More Rewards MasterCard bearing a plastic number with the first 6 digits of 548029, 552373 or 548853
* The cards denoted with an asterisk will further be converted in the future to one of the listed MasterCard credit cards, with
affected customers being independently notified at the appropriate time.
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
All of the credit cards listed on this Schedule I.2.c will be deemed an Eligible Credit Card and unless specifically designated
otherwise, will have the same terms and conditions of all other Eligible Credit Cards under the Program. The credit card
names for these Conversion Accounts are listed separately in the Points Guide.
Version Effective October 2015
(ID 1517-512)
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