Key - Agreements and Disclosures

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Agreements and Disclosures

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Preferred Credit Line Agreement and
Disclosure

CURRENT OFFERING

Date:__________________________

Account number: _________________________

DISCLOSURE

INTEREST RATES AND INTEREST CHARGES

Annual Percentage Rate (APR) for purchases and cash

advances

Paying interest

For Credit Card Tips from the Consumer Financial

Protection Bureau

FEES

Annual Fee

Transaction Fees 
Overdraft Advance Fee

Penalty Fees
Late Payment Fee

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10.240% to 15.240%

When you open your account, based on your
creditworthiness. After that, your APR will vary with the
market based on the Prime Rate.

No grace period is provided. You will be charged interest
from the transaction date.

To learn more about factors to consider when applying for
or using a credit card, visit the website of the Consumer
Financial Protection Bureau at
http://www.consumerfinance.gov/learnmore.

$50.00

$10.00 each day an Automatic Advance is made
(maximum fee: $100.00 per billing cycle).

Up to $35.00

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Return Item Fee

Up to $35.00

How We Calculate Your Balance: We use a method called "daily balance". See your account agreement for
more details.

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided
in your account agreement.

Congratulations and Welcome to
KeyBank's Preferred Credit Line!

This Preferred Credit Line Agreement ("Agreement") is the contract between you and KeyBank National
Association regarding your KeyBank Preferred Credit Line Account ("Account"). The Account is a variable rate,
open-end revolving line of credit. By opening your Account, you accept the terms and conditions as set forth in
this Agreement and assume responsibility to repay all credit extended through the use of the Account as well
as all charges and fees imposed on or in connection with the Account.

Definitions: As used in Agreement, the words "you" and "your" mean each applicant and/or co-applicant for
the Account or any person responsible for paying the Account; and the words "we", "us", "our" and "Bank" refer
to KeyBank National Association.

WELCOME TO YOUR PREFERRED CREDIT LINE ACCOUNT

1. General Information.

Your Account can be accessed in a variety of ways as outlined in this Agreement. Your Account may only be
used for personal, family, or household purposes. Your Account may not be used for illegal purposes, and it
may not be used for internet gambling or marijuana purchases even if legal. You are responsible for paying all
amounts outstanding on your Account, including any fees and/or charges we impose.

2. Joint Accounts.

If more than one person signs this Agreement or applies for this account, you agree that (i) we can enforce our
rights against each of you individually or against both of you together and (ii) we can send Account statements,
notices and any other correspondence to either of you. Additionally, 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).

3. Credit Limit.

An approved line of $______________________ (“Credit Limit”) is established for your Account. Your Credit
Limit is the maximum principal amount of credit that you can have outstanding on your Account at any time.
You agree not to make a credit request that would cause your Account balance to exceed the Credit Limit. At
our sole discretion, we may choose to approve or deny a credit request that would cause the Account to
exceed the Credit Limit. If the Account’s principal balance exceeds the Credit Limit at any time you shall
immediately pay us the excess amount, or at our discretion we may include the excess amount as part of your
next minimum payment amount. We may increase or decrease the Credit Limit at any time, for any reason as
permitted by law.

USING YOUR ACCOUNT

4. Advances.

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Subject to the terms of this Agreement, we will make advances of funds to you or for your benefit from time to
time upon your request (“Advances”). Advances include purchases and credit extended to you or for your
benefit by use of a Card (See Section 5, Under the Heading "Using your Account for Credit Card
Transactions"). Advances also include any amounts extended as Overdraft Protection (See Section 18). You
may request Advances: a) at any of our designated branches; b) by writing Checks, which we post to your
Account as an Advance; c) using Key’s online banking platform to transfer funds to your KeyBank Checking
account; or, if applicable, d) by using the issued KeyBank Preferred Credit Line Gold Mastercard ("Card").

5. Convenience Checks.

We may send you Convenience Checks (“Checks”) from time-to-time for use in borrowing under this
Agreement. All Checks you use will be treated as Advances under this Agreement unless we advise you
otherwise. We are not liable to you for any Checks returned or delay in posting any convenience check, nor are
we required to pay any such Check or other credit request that would cause your Credit Limit to be exceeded.
You may not use the Checks to make payments on this Account or any other account you have with us or with
any of our affiliates. You understand that Checks will not be returned to you. We will not certify your
Convenience Check.

INTEREST CHARGES

6. Variable Annual Percentage Rate.

Your Account has a variable rate and the Daily Periodic Rate, Annual Percentage Rate (“APR”) and minimum
monthly payment can change as a result. The APR is based on the value of the Index described below. To
determine the APR that applies to your Account we add a margin of __________% to the value of the Index.
The Daily Periodic Rate and APR on your Account may change as frequently as daily. If the Index increases in
value (assuming the unpaid balance remains the same), the Daily Periodic Rate, APR and minimum payment
will also increase. If the Index decreases in value (assuming the unpaid balance remains the same), the Daily
Periodic Rate, APR and minimum payment may decrease. In addition, the Daily Periodic Rate, APR and
minimum payment will increase if a discounted APR or introductory APR on your Account has expired or was
terminated.

7. Initial Interest Rate Disclosure.

____ If this box is checked, the APR as of ______________ is __________%, which is a Daily Periodic Rate of
____________________%. This rate may change daily.

8. Discounted or Promotional Rate.

____ If this box is checked, the initial APR is __________%, which results in a Daily Periodic Rate of
____________________%. The initial APR is discounted. This initial APR is based on the Index plus a margin
of _________%. The initial APR will remain in effect through ______________________________. After that,
the APR that will apply to your Account is the Index then in effect plus a margin of __________% which, as of
______________, is __________% and a Daily Periodic Rate of ____________________%.

9. Calculating Interest.

You agree to pay finance charges on Advances (hereinafter referred to as “interest”), from the day we post the
Advance to your Account until the Advance is paid in full. We charge interest on your Account using the “Daily
Balance” method. This means we take the beginning balance in your Account each day and add any new
Advances. Then, we subtract any payments and credits, and any unpaid interest and other fees and charges.
This gives us the Daily Balance. We figure the interest by multiplying the Daily Periodic Rate by the Daily
Balance. The Daily Periodic Rate is the Annual Percentage Rate (“APR”) divided by the number of days in a

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year (365 or 366). Then we add all of the daily interest charges together to get the total accrued interest
charged for the billing cycle. Payment in full of the “New Balance” as shown on your Account statement by the
due date will not avoid the assessment of interest on the balances from the date shown on your monthly
statement through the date paid.

10. Determining the Prime Rate.

The APR applied to an Advance will never exceed 25%, which is a Daily Periodic Rate of
____________________%.

The index used to determine the interest charged is the “Prime Rate” as published in The Wall Street Journal
“Money Rates” table (“Index”). The Index is published in each daily edition of the Wall Street Journal. When
more than one Prime Rate is published in any edition, the Index will be the highest of the Prime Rates set forth.
We may also change the margin if the Index becomes unavailable. The selection of any replacement index and
margin will be done in compliance with applicable law. The Prime Rate Index is just a pricing index and is not
necessarily the lowest rate charged by the Bank or any other lender. Your APR may change daily and equals
the value of the Index plus a margin.

In the event of a default on your Account, the Daily Periodic Rate and corresponding APR in effect immediately
before such default will be the Daily Periodic Rate and APR in effect after default.

MAKING PAYMENTS

11. General Payment Instructions.

You agree to pay interest on the unpaid balance on your Account at the periodic interest rates, together with
fees and charges, and to pay the Minimum Payment Due ("Required Minimum Payment") on your Account, in
accordance with this Agreement. You agree to pay us such amounts in U.S. currency denominations. We will
send you a monthly Account statement as of the Closing Date of your billing cycle. Advances, payments and
adjustments made since the Closing Date on your previous statement will appear on your next billing
statement. You may pay your entire Account balance at any time. Payments must be drawn on funds in the
U.S.

12. Monthly Statements and Minimum Payments.

We will send you a monthly statement showing each Advance made, the minimum payment due and the date
your payment is due. The minimum monthly payment will be an amount equal to 1/120th of the outstanding
principal balance, plus interest and fees or ____________, whichever is greater. The minimum monthly
payment may also include any past due amounts and/or any amount outstanding under this Agreement in
excess of your Credit Limit. You may pay more than the minimum monthly payment due but you will still need
to make future minimum payments so long as any amount is outstanding on your Account. You can pay the
balance on your Account in full at any time. If your balance is ____________ or less, your minimum monthly
payment will be the full amount due.

13. Making Payments.

Payments by Check. 
Payments made by check that are received at the location specified on the front of the Account statement will
be credited as of the date of receipt to the Account specified on the payment stub. You authorize us to use the
information from your check to make a one-time electronic fund transfer from your account or to process the
payment as a check transaction. Payments received at locations other than the address specified or payments
that do not conform to the requirements set forth on the Account statement (e.g. missing payment stub,
payment envelope other than as provided with your statement, multiple checks or multiple payment stubs in the
same envelope) may be subject to delay in crediting, but shall be credited within five (5) days of receipt.

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Payments by Phone. 
If you call us to make a payment to us over the phone, you authorize us to make such payment in accordance
with your instructions. You agree that we may either record your oral authorization during the call or send you
notice by mail or e-mail of the authorization.

Online or Mobile Payments. 
When you schedule a payment with us through our online banking website or our mobile site before the cut-off
time published on our website or mobile site, we consider the payment received by us on the date that the
payment is scheduled even though the funds associated with the payment have not yet been collected by us.
When you send us a check to the address specified that conforms to the requirements on your statement, and
the physical check arrives before our cut off times, we consider it received upon arrival. However, if you initiate
a payment to us through another institution or third party we will not post the payment to your Account until we
receive the funds associated with the payment. If you send us a payment that is reversed for any reason, you
may be charged a late fee.

Cut-off Times for Payments by Mail. 
Cut-off times are specified on your Account statement. Cut-off times for payments made by mail may differ
from cut-off times for other methods of payment. Please review your Account statement for accurate cut-off
times. Payments received by mail at the location specified on the front of your Account statement no later than
the cut-off time will be credited as of the date of receipt to the account specified on the payment stub.
Payments received by mail after the cut-off time will be credited the next day. Again, payments received at
locations other than the address specified or payments that do not conform to the requirements set forth on the
Account statement (e.g. missing payment stub, payment envelope other than as provided with your statement,
multiple checks or multiple payment stubs in the same envelope) may be subject to delay in crediting, but shall
be credited within five (5) days of receipt.

HOW WE APPLY YOUR PAYMENTS

14. Posting Payments to Your Account.

As long as we receive your Minimum Payment Due by our cut-off times (as discussed in the previous section)
you will not be charged late fees. As long as your payment conforms to the requirements set forth on the
Account statement, we will credit your payment on the date it is received, even though there may be delays in
posting the payment to your Account. We will adjust any interest accrual, if applicable, to the date the payment
was received.

Depending on the payment amount and other factors, you may not be able to re-borrow the principal portion of
the payment amount for up to 10 business days. This allows time to ensure your payment has been collected
from the account from which it was drawn.

15. Irregular Payments.

We may accept late payments, partial payments or checks and money orders marked "payment in full" and by
doing so, we will not lose any rights under this Agreement if such irregular payments are accepted.

16. Application of Payments.

Payments made in excess of the Minimum Payment. If you pay more than the Minimum Payment amount
when due, the excess above the required minimum payment will be applied first to balances with the highest
rate of interest and then any remaining portion of the amount of the excess payment to other balances in
descending order based on applicable APR.

Payments less than or equal to the Minimum Payment. We may apply the amount of your payments less

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than or equal to your Minimum Payment and any credits to your account in any way we choose. We generally
apply these payments to lower APR balances first, which means you may pay more in interest.

USING YOUR ACCOUNT AS OVERDRAFT PROTECTION

17. Overdraft Protection.

____ If this box is checked, you elect to use your Preferred Credit Line Account as overdraft protection on your
KeyBank Checking Account Number _______________________________.

If you have a deposit account with us, you may choose to link your deposit account ("the Checking Account') to
this Account which will then act as overdraft protection. You may have up to three deposit accounts linked to
your Account for overdraft protection at any one time. The person(s) who signed or accepted this Agreement,
or activated this Account as Borrower(s) must also be identified as owner(s) of the Checking Account.

18. Overdraft Advances.

Subject to the terms of this Agreement, we will make an Overdraft Advance to you when the total amount of
withdrawals from your Checking Account (including checks, automatic transfers, pre-authorized charges or
other written, electronic or telephonic withdrawals, and debit card transactions) and service charges we post to
your Checking Account exceeds the amount of funds in your Checking Account that is available for withdrawal
by $5.00 or more. By linking your Account to your Checking Account, you request that these Advances be
made and agree that the amount of these Advances be added to your Preferred Credit Line Account. In
addition you agree that you are responsible for Overdraft Advances made by us to cover withdrawals from the
Checking Account (including checks, automatic transfers, pre-authorized charges or other written, electronic or
telephonic withdrawals, and debit card transactions) by any owner of the Checking Account who is not
responsible for repayment of this Account or not a party to this Agreement. The amount of these Advances will
be added to your Account and will be covered by this Agreement as though you had made the withdrawal
resulting in the Overdraft Advance.

The Overdraft Advance will equal the amount needed to cover the unpaid amount of withdrawals and service
charges, but not to exceed the amount available to you on your Preferred Credit Line Account, except that the
minimum advance is $50.00. We will deposit the Overdraft Advance in your Checking Account. We will charge
an Overdraft Protection Transfer Fee of $10 to this Account for each linked deposit account on which an
Overdraft Advance occurs No Overdraft Advance will be made when the total amount of withdrawals from your
Checking Account (including checks, automatic transfers, pre-authorized charges or other written, electronic or
telephonic withdrawals, and debit card transactions) and service charges we post to your Checking Account
exceeds the amount of funds in your Checking Account that is available for withdrawal by less than $5.00.

19. Timing of Overdraft Advances.

Automatic Advances to pay unpaid withdrawals are generally made on the day the Checking Account
withdrawal is made. Automatic Advances to pay service charges are made on the day after service charges
are posted. Consequently, if your Checking Account balance is not sufficient to cover these service charges,
the balance shown on your Checking Account statement for the last day of the monthly statement period may
be negative (-).

20. Changes to Your Overdraft Protection.

Cancelling Overdraft Protection. You may cancel Overdraft Protection at any time by notifying us in writing at
the address printed on your statement, or by calling us at the number on your statement. We may cancel your
Overdraft Protection and stop making Overdraft Advances at any time.

Maintaining Your Checking Account. You agree to maintain your Checking Account according to the terms

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and conditions of that deposit account, in accordance with all applicable laws and regulations, without fraud,
and in such manner so as to not cause us to close your Checking Account. If you fail to properly maintain your
Checking Account, or your Checking Account is closed for any reason, we may unlink your Checking Account,
or close your Preferred Credit Line Account to future Advances and may cancel your Account as described in
Section 23 of this Agreement.

FEES

21. Fees.

You agree to pay the following fees which we assess against your Account:

Annual Fee. We assess a non-refundable annual fee in the amount of $$50.00 for making the Account
available. This fee will be automatically assessed to your Account in the first billing cycle after you have
opened your Account and on the anniversary date of the Account opening each year thereafter. (Refer to
Section 36 Amendments of this Part A General Terms, Conditions, and Disclosures for information concerning
preferred pricing.)

Overdraft Advance Fee. We will assess an Overdraft Advance Fee each day an Automatic Advance is made
to pay overdrafts to your KeyBank Checking Account(s). . If an Overdraft Advance is made to more than one
linked deposit account on the same day, each transfer will incur the Overdraft Protection Transfer Fee. The
Overdraft Advance Fee will be assessed to your Preferred Credit Line and it will be displayed on your monthly
statement as an "Overdraft Advance Fee". The Overdraft Advance Fee will be $$10.00 each time an Automatic
Advance is made, with a maximum fee of $100.00 per linked account per billing cycle. (Refer to Section 36
Amendments of this Part A General Terms, Conditions, and Disclosures for information concerning preferred
pricing.)

Late Fee. If we do not receive at least the required minimum payment within five (5) days after the date your
payment is due, you agree to pay us a late fee. This fee is $25.00 or the amount of the required minimum
payment that is late, whichever is less. If a late fee was assessed during the prior six (6) billing cycles, the late
fee is $$35.00 or the amount of the required minimum payment that is late, whichever is less.

Return Item Fee. We charge a fee if any check or other instrument given for payment on the Account is
dishonored for any reason. This fee is $25.00 or the amount of the required minimum payment due
immediately prior to the dishonor of the item, whichever is less. If a return item fee was assessed during the
prior six (6) billing cycles, the return item fee is $$35.00 or the amount of the required minimum payment due
immediately prior to the dishonor of the item, whichever is less. This fee will appear on your statement as a
"Rtn. Item Fee".

CLOSING YOUR ACCOUNT

22. Default/Acceleration.

You are in default on the account if: (1) you do not make at least the Minimum Payment when it is due, (2) you
have exceeded your credit limit, (3) you provide us with false, misleading, or fraudulent information, (4) you fail
to comply with any term of the Agreement, (5) you are bankrupt or insolvency proceedings are filed against
you, (6) we believe you may be unwilling or unable to pay your debts on time, (7) you die or are legally
declared incompetent or incapacitated, or (8) we become aware that you are using your Account for illegal or
fraudulent purposes.

If you are in default, we can stop all Advances and/or declare the full unpaid balance on your Account
immediately due and payable. We may also take any other collection action allowed by applicable law. If we
need to hire an attorney to collect any part of your Account and applicable law permits us to charge you for

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attorneys' fees, you agree to pay us our reasonable attorneys' fees incurred in collecting your Account, subject
to any limits under applicable law. We do not charge attorneys' fees in Maine.

23. Cancellation.

If there is an outstanding balance on your Preferred Credit Line Account, it may not be closed, however, you
may close this Account as to future Advances at any time by giving us written notice at the address printed on
your monthly statement. We may continue to honor Advances until we have had reasonable time to act upon
your request. You agree that we do not guarantee that every request for a future Advance will be rejected after
your request. If you use Checks hereunder, you agree to be liable for all Advances obtained by any person
who uses the Checks with your permission. If we terminate your Account or you close your Account, you must
destroy your Card and any unused Checks.

In addition to our other rights under this Agreement, we may cancel your Account and stop making Advances
at any time. In deciding whether or not to do so, we may elect, but are not required, to make an annual (or
more frequent) credit review on your Account. You agree to provide us with updated financial information
including but not limited to personal financial statements, upon request. This requirement constitutes a material
obligation under this Agreement. Failure to provide any such requested updated financial information to us
within thirty (30) days of the request shall constitute a default under this Agreement.

The closing or cancellation of your Account for whatever reason will not affect obligations arising prior to such
closing or cancellation and the terms of this Agreement will continue to apply until the unpaid balance due on
your Account is paid in full.

24. Stop Future Advances.

You may request the Bank not to permit any additional Advances under the Account. We may continue to
honor Advances until we have had reasonable time to act upon your request. You agree that we do not
guarantee that every request for a future Advance will be rejected after your request. If your request is given by
telephone, we may require you to confirm the request in writing. You will hold us harmless from any claim by
any party for either stopping payment on checks or for ceasing to honor requests for Advances. You will
resolve any such claims and will reimburse us for all expenses that we incur in defending any actions or claims
brought against us, including reasonable attorneys' fees, whether or not a lawsuit is commenced.

COMMUNICATIONS

25. Telephone Monitoring.

As part of our continuing effort to maintain a high quality of service to our customers, telephone calls between
our employees and our customers are periodically monitored, on a random basis, by our supervisory
personnel. You understand this and give your consent to any such monitoring for any telephone calls you may
have with us.

26. Wireless Express Consent

By providing a telephone number for a cellular telephone, other wireless device, or a landline number that is
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 National Association 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 cause you to incur access fees
from your cellular provider.

27. Notices and Changes of Name, Address or Employment.

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We will send Account statements, renewal or replacement Cards, Checks, or other notices to you at the U.S.
postal address shown in our records. If this is a joint Account, we can send these items to any joint account
holder. You agree to promptly notify us of any change in your name or employment and to provide us with a
notice of any change of your address at least 10 days prior to the change in address. Notices to us shall be in
writing by U.S. postal service, effective when received by us at the address indicated for receipt of payments
on any Account statement mailed to you within the preceding 60 days. Notices by email to us are not permitted
and if given will not be effective. Notices to you, if mailed, shall be deemed given when mailed to you at the
address given on the application or authorization form or to such other address in our records.

CREDIT INFORMATION

28. Account Statement Disputes.

You agree to review promptly your monthly Account statements. If you believe there is an error, please contact
us immediately at the number listed on your Account statement. If you believe your Account has been
compromised you agree to contact us immediately by calling the number listed on your Account statement.

29. Credit Reports.

We may review your credit record from time-to-time in connection with your application and any resulting
Account, our administration of your Account, any change in the interest rate or Credit Limit on your Account, or
update, renewal, or extension of the Account. As a part of servicing, we will review your Account on a regular
basis to determine if you are eligible for certain promotional offers related to your Account and you authorize us
to do so. Upon your request, we will advise you if we obtained a credit report and we will give you the credit
bureau's name and address. You understand that WE PROVIDE INFORMATION ABOUT THIS Account to
consumer reporting agencies which may include negative information if you fail to fulfill the terms of your credit
obligations under this Agreement. If you believe information related to this extension of credit reflected on your
credit report is inaccurate, you may notify us of the same by writing to us at the address on your statement.

OTHER PROVISIONS

30. Prohibited Activity.

It is your responsibility and you agree to use the Account only for valid and lawful purposes. If you use the
Account for any other purpose or transaction, including, without limitation unlawful gambling activities and
marijuana purchases (collectively, herein called a "Prohibited Activity"), you must immediately reimburse us for
all amounts or expenses incurred as a result of such use. We reserve the right to block Prohibited Activity and
to cause non-approval of any authorization request for a Prohibited Activity. Account Advances for any
Prohibited Activity made by you or for your benefit shall be considered authorized by you, and you assume all
responsibility and liability for all losses, costs and expenses you incur as a result of such use. If our
investigation of any billing error asserted by you shows, in our sole determination, a Prohibited Activity, you
authorize us to immediately reverse any provisional credit we gave you pending completion of our
investigation.

31. 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 your
Account unless you notify us in writing that you reject the Arbitration Provision within 60 days of the
Agreement Date. The rejection notice must be sent to KeyBank National Association, Attn: Loan Client
Services, P.O. Box 5788, Cleveland, Ohio 44101-0788. Your notice must include your name, the names
of any joint account holders, co-borrowers and co-signers, as applicable, and your Account number

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and must be signed by at least one of the borrowers. The 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 rejection of any other term or condition of your Agreement with
us governing your Account.

As used in this Arbitration Provision, the word "Claim" or "Claims" means any claim, dispute, or controversy
between you and us arising from or relating to this Agreement or your Account, including, without limitation, the
validity, enforceability, or scope of this Arbitration Provision or this Agreement. "Claim" or "Claims" includes
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, statute, 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) the Account subject to the terms of this Agreement (b) any electronic funds transfer from
or to any account, (c) advertisements, promotions, or oral or written statements related to this Agreement or
your Account, (d) your application for the Account, and (e) the collection of amounts owed by you to us.
Notwithstanding this Arbitration Provision, if you have a Claim that is within the jurisdiction of the small claims
court or your state's equivalent court, you may file my Claim there. If that Claim is transferred, removed or
appealed to a different court, then we have the right to choose arbitration.

This Arbitration Provision will not apply to Claims previously asserted, or which are later asserted, in lawsuits
filed before the date of this Agreement or any prior arbitration provision 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 date of this Agreement.

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 PARTICIPATE
AS A REPRESENTATIVE OR MEMBER OF ANY CLASS OF CLAIMANTS PERTAINING TO ANY CLAIM
SUBJECT TO ARBITRATION. EXCEPT AS SET FORTH BELOW, THE ARBITRATOR'S DECISION WILL
BE FINAL AND BINDING. YOU UNDERSTAND THAT OTHER RIGHTS THAT YOU WOULD HAVE IF YOU
WENT TO COURT MAY ALSO NOT BE AVAILABLE IN ARBITRATION. THE FEES CHARGED BY THE
ARBITRATION ADMINISTRATOR MAY BE GREATER THAN THE FEES CHARGED BY A COURT.

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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 the award 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 closure of your Account subject to this Agreement. If any portion of this
Arbitration Provision is deemed invalid or unenforceable under any law or statute consistent 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.jams-endispute. com, (800) 352-5267, Financial Services Arbitration Rules and Procedures.

32. Limitation on our Liability.

If a court or arbitrator finds we are liable to you in connection with this Agreement, you may recover only your
actual damages. IN NO EVENT WILL YOU BE ABLE TO RECOVER ANY INDIRECT, INCIDENTAL,
SPECIAL, CONSEQUENTIAL, EXEMPLARY OR PUNITIVE DAMAGES, EVEN IF WE ARE AWARE OF OR
HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

33. Disclosure of Account Information.

We may share information within the KeyCorp family of companies as well as with unaffiliated third parties
external to KeyCorp as described in our Privacy Policy. You specifically consent to us sharing information

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within the KeyCorp family of companies and with external unaffiliated third parties.

NOTE: You may elect to opt out of information sharing, or may be automatically opted-out under your state
law, as described in our Privacy Policy. If you are opted out, that election will override this consent to share,
except for those instances in which we are otherwise permitted to share by law without your consent.

We will not disclose information about your Account or the transactions or transfers you make related to your
Account under this Agreement except: (a) if the information is provided to help complete a transaction you
initiated; (b) when you request or consent to the disclosure; (c) for the exchange of information with reputable
credit reporting agencies to maximize the accuracy and security of such information; (d) in performance of
bona fide corporate due diligence and/or in connection with a merger, acquisition or divestiture that involves
your account; (e) in order to comply with applicable law, government regulation, or legal process (such as a
court order or subpoena); or (f) if you have been informed about the possibility of such disclosure.

34. Internet Access; Websites; Security.

If you use the Internet to obtain information on your Account, you agree to and will be responsible for obtaining,
installing, maintaining and operating all computer hardware, software and Internet access and security services
necessary for performing online services. We will not be responsible and shall have no liability for any errors
nor for any failures resulting from the malfunction or failure of your hardware, software or any Internet access
services, or for any breach of security or other activity resulting in any unauthorized access to your computer,
Account data or any resulting unauthorized transaction in your Account resulting from such breach of security
or other adverse activity.

35. Assignment.

We can assign, sell or transfer your Account, or any portion thereof and this Agreement without notice to you or
your consent. You may not assign this Agreement, your Account or any portion of it. Your rights hereunder
cannot be transferred by you or operation of law or otherwise without our consent, but your obligations shall be
binding upon your estate or personal representatives. Any unauthorized transfer or assignment by you of this
Agreement is null and void.

36. Amendments.

We, in our sole discretion, may change, amend, or add to the terms and conditions of this Agreement by
sending you a written notice of the changes as may be required under applicable law. If the change is
considered a significant material change to the terms of the Account, you will be given the right to reject the
change, unless you become more than 60 days late on your account. However, if you do reject the changes,
you will not be able to use your Account for new transactions. The notice provided prior to any significant
material change in terms will include instructions for how to reject the changes.

Preferred Pricing: You acknowledge and agree that the discounted margin, as well as partial or full waiver of
the annual fee and/or overdraft advance fee, if applicable, disclosed in your Preferred Credit Line Agreement is
preferred pricing based on your current participation in a relationship program offered by the Bank, in its
discretion. If you elect to no longer participate in, or if you cease to satisfy the eligibility requirements
established by the Bank for your participation in such program, we reserve the right to increase the margin, as
well as assess the annual fee and/or Overdraft Advance Fee, if applicable.

37. Applicable Law.

You understand that KeyBank National Association is a national bank with its main office located in Cleveland,
Ohio. Consequently, except as set forth to the contrary in the Arbitration Provision herein, this Agreement shall
be governed by Federal law and the laws of the State of Ohio, without regard for conflict of law rules, whether
or not you live in said state. With respect to all disclosures, fees and charges related to your Account, Federal

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law alone shall control. This Agreement is entered into between you and us in, is accepted by us in and credit
is extended by us from the State of Ohio.

38. Severability.

If any of the terms of this Agreement is invalid, changed by applicable law or declared invalid by order of a
court, the remaining terms of this Agreement will not be affected, and this Agreement will be interpreted as if
the invalid terms had not been placed in this Agreement.

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 Account

If you think there is an error on your statement, write us at the address shown on your Monthly Statement. In
your letter, give us the following information:

Account information: Your name and account number.
Dollar amount: The dollar amount of the suspected error.
Description of the problem: If you think there is an error on your bill, describe what you believe is wrong
and why you believe it is a mistake.

You must contact us:

Within 60 days after the statement date of the statement on which the error first appeared.
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 will have to pay the amount in question, along with

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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 that 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 the 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 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 you the goods or
services.)

2. You must have used your Card for the purchase. Purchases made with cash advances from an ATM or with
a Check that accesses your 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 Monthly 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

NEW YORK AND VERMONT RESIDENTS: You agree to give us permission to obtain one or more credit
reports from consumer reporting agencies in connection with this 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, updating or renewing the Account, adjusting the credit limit
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.

OHIO RESIDENTS: The Ohio laws against discrimination require that all creditors make credit equally
available to all creditworthy customers and that credit reporting agencies maintain separate credit histories on
each individual upon request. The Ohio Civil Rights Commission administers compliance with the law.

OREGON RESIDENTS: Under Oregon law, most agreements, promises and commitments made by us after
October 3, 1989, concerning loans and other credit extensions which are not for personal, family or household
purposes or secured by the borrower's residence must be in writing, express consideration and signed by us to
be enforceable.

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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. This Agreement is a final expression of the Agreement between you and us and cannot be
contradicted by evidence of any alleged oral agreement.

WASHINGTON RESIDENTS: Oral agreements or oral commitments to loan money, extend credit or to
forebear from enforcing repayment of a debt are not enforceable under Washington law.

USING YOUR ACCOUNT FOR CREDIT CARD TRANSACTIONS

1. Definitions.

"Card" means the KeyBank Gold Mastercard® branded Preferred Credit Line card issued by us to you as an
access device linked to your Account. "Cardholder", refers collectively to the person(s) who received a Card
from us.

2. Card Access to Account.

Upon your receipt and activation of the Card you agree to promptly sign your name in the signature panel on
the reverse side. You may obtain an Advance under your Account with your Card as follows: by purchasing
goods or services and by obtaining an Advance from a financial institution including us or an automated teller
machine or cash dispenser ("ATM"). We will pay merchants that participate in the payment network operated
by Mastercard, Inc. and its subsidiaries (collectively "Mastercard") for goods and services you obtain by use of
this Card, and we may make Advances to you or for your benefit. You may use your Card to pay for purchases
of goods and services at any merchant's location or website that displays the service mark of Mastercard or its
affiliates. Your Card may be used at any ATM that displays a service mark matching a brand mark on the back
of your Card.

3. Acceptance; Signature.

Each Cardholder hereby agrees to sign in the space provided for authorized signatures on the Card before the
Card is used. Your signature on the Card, or on any charge slip intended for this Account, or any use of the
Card by you or any other Card user authorized by you, is your agreement to comply with all the terms of this
Agreement and your acceptance of the Card.

4. Joint Account.

All persons on your Account are jointly and individually bound by this Agreement, regardless of who received
the benefit of your Account or by whom any Advance or purchase was made under your Account or with your
Card. A default by any Account holder will be a default by all Account holders. Each of you are jointly and
individually responsible to pay in full all amounts and liabilities due under this Agreement and on the Account.

5. All Card Purchases Treated as Advances.

We consider all Card transactions to be the equivalent of cash advances in the Account and are considered
Advances for purposes of this Agreement, including but not limited to, using the Card or Account to purchase
wire transfers, money orders in U.S. dollars or foreign currency, travelers checks, casino gaming chips, lottery
tickets, off-track betting, wagers at race tracks, and tax payments.

6. ATM Transactions.

Upon your telephonic activation of the Card, you will be prompted to select an access code or personal
identification number ("PIN") to enable you to use the Card at an ATM. At an ATM you may use your Card for a
balance inquiry or cash withdrawal from your Account. You cannot use the Card at any ATM to make any
deposit, payment on, or transfer to or from, any account with us.

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7. Limitations on Card Transactions.

A. PIN Transaction. You must manually sign the merchant's sales receipt for all POS Card transactions,
unless you are electronically authorizing the POS transaction over the telephone or Internet . You agree that
charges imposed by third parties for use of their ATM facilities will be added to your Account balance as an
Advance.

B. Limits on Dollar Amounts of Transactions . We may establish limits on the dollar amounts and frequency
of Card transactions per Account or per Card. We may change these restrictions at any time without notice.

8. Awards and Other Services.

You understand that from time-to-time third parties may offer additional Account features, services, and
enhancements. You understand that we are not liable for these features, services, and enhancements and they
are the sole responsibility of third parties. You will hold us harmless from any claims, actions, or damages
resulting from your use of any of these features, enhancements, or services when permitted by applicable law.

9. Merchant Disputes.

We are not responsible if anyone refuses to honor this Card or any Convenience Check or for any failure of an
ATM to process any Advance request. To the extent permitted by applicable law, if there is a problem with
merchandise or services obtained with this Card, you may have the right not to pay the remaining amount due
on such merchandise or services. This right does not, however, apply to merchandise or services obtained with
Checks, with money from an Advance, or if your Account is used primarily for business purposes. The Billing
Right section above contains an explanation of your rights to dispute billing errors. We will have no
responsibility for or liability arising from any merchandise or services purchased with this Card.

10. Expiration; Non-renewal; and Termination.

Your Card is issued with an expiration date. We may elect, at our sole discretion, not to renew your Card. We
have the right to revoke all privileges attached to all Cards, cancel the Cards as to future Advances at any time
for any reason. Upon such cancellation you agree to immediately destroy all Cards (which you will cut in half).
Your right to use your Card will terminate automatically, without notice, effective on any termination of the
Agreement.

11. Lost or Stolen Cards.

If your Card is lost or stolen, or you believe that someone is using your Account or Card without your
permission, notify us immediately. You can notify us by telephoning 1-800-KEY2YOU (1-800-539-2968) or by
writing to us at the address listed on your Monthly Statement.

12. Your Liability.

In General. You agree to make your best efforts to protect your Card against loss, theft or unauthorized use.
You agree to contact Customer Service AT ONCE if you believe your Card has been lost or stolen or you
believe there is any unauthorized use of your Card. Telephoning Customer Service is the best way to keep
your possible losses down. We may request that you confirm your notice to us in writing. You agree to
cooperate completely with us in any of our attempts to recover amounts from unauthorized users and to assist
in their prosecution under law.

Unauthorized Use. You may be liable for the unauthorized use of your Card, not to exceed $50.00. You will
not be liable for unauthorized use that occurs after you notify us, orally or in writing, of the loss, theft or
possible unauthorized use.

You agree to be bound by all of the above terms and conditions as set forth in this Agreement and

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acknowledge receipt of a completed copy of this Agreement.

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KeyCorp, 127 Public Square, Cleveland, OH 44114 USA. Copyright © 1998-2017,

KeyCorp. All Rights Reserved.

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