eDAS Disclosure Page I of 12 CARDMEMBER 4GREEMENT Piease take the time to review the following important information about your Account and retain it for future reference. This document, including the accompanying Rates and Fees Table and the Additional Terms of Your Cardmember Agreement, is an agreement between you, the Cardmember, and us, KeyBank National Association, and is referred to throughout this document as the “Cardmember Agreement” or the "Agreement." If you have any questions, please call us using the number on the back of your Card or on your billing statement. Your Agreement and Promise to Pay: By using the Account, making a payment on the Account, or signing an application for any Card we send you, you agree to the terms of this Agreernent. You agree to pay us all amounts that we lend to you on your Account, together with Interest Charges arid 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 Account or whe are liable on the Account by any other means If there are joint Cardmembers, we may send communications to either f you, we may disclose information bout the Account to either of you, nd we may accept instructions from ither af you (even if you have a disagreement).   We, us, our and KeyBank KeyBank National Assaciation We are the creditor of your Account and the issuer of your Card.     Credit Limit Your credit limit is the maximum mount that you can have utstanding on your Account at any ime. You agree not to request any ransactions that would cause your limit. You are responsible for balances on your Account including mounts charged in excess of your credit limit. We will advise you of the total credit flimit on your Account when we first send you your Card and when we post it on your monthly billing statement. Your Cash Advance limit ccount balance to exceed the creditlis only a partion of your total available (unused) credit limit. Your Rotal credit mit and Cash Advance limit may change from time to time. We will notify you of any such changes through your billing fatement or by sending you a separate notice, which may be after he change occurs. If no separate Cash Advance limit is listed on our billing statement, then the amount of our credit limit available for Cash dvances is your total credit limit. e may cancel, change, or rescind our credit availability at any time, fe may approve a transaction that auses your Account balance to xceed the credit limit, but we do not reat such a transaction as a request or an increase in your credit jimit.                          Authorized Users You are responsible for any use of revoke an authorized user's authorized user and destroy any ber ccessing your Account. your Account by an authorized user or anyone else that you permit to usejauthorized users. If you revoke an your Account. You must notify us to Cards, checks and other devices that if you request, we may issue Cards hat access your Account to your uthorized user, we may close your Account and issue a new Card(s) permission to use your Account. You pwith a different Account number. are responsible to recover from that   Annual Membership Fee If your Account has an Annual fee is listed in the Rates and Fees abie. You are responsible for paying the fee every year your     We will add your annuat fee to your Membership Fee, the amount of the [monthly billing staternent once a year, whether or not you use your Account. Information is provided pelow under Authorization of    eDAS Disclosure Page 2 of 12 ccount is open or untii your Account/Transactions/Closing the Account is closed and paid in full. xplaining how you can cancei your   Account to avoid future annual fees.   IMPORTANT DEFINITIONS   Gash 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) las 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 3665. It is a daily interest rate.   Payment Bue Date This is the date by which we must receive the minimum payment in order for it fo be on time. Your monthly billing statement will list the Payment Due Date.   Default An Account will be in default if: 1) you fait 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. pour Account is in default, we may close your Account or terminate or suspend our credit privileges without notice and require full payment of your outstanding balance immediately.     USING YOUR ACCOUNT You may use your Account only for personal, family or household purposes. You may not use your Account for legal purposes, and you may nat 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 IHOW IT AFFECTS THE ACCOUNT   Purchases Nou 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 vou can transfer balances to your [We permit Balance Transfers from Account by contacting us. We will most accounts issued by other charge a Balance Transfer fee on thejbanks. We do not permit Balance jamount of each Balance Transfer, as {Transfers from other accounts or set forth in the Rates and Fees table. jlaans with us or any of our affiliates.   ash Advances and Fees Ve treat certain transactions as Cash Advances, See the Cash Advance section under Your Account Terms, above. Nou may obtain cash from ATMs or lat banks. We will charge a Cash Advance fee or Cash Equivalent fee ion the amount of each Cash Advance, as set forth in the Rates land Fees table.   (Checks and Fees We may provide checks for your use; we have the right not to pay a check for any reason. You may not use a convenience check to make a payment on the Account or any other Account with us. You may use checks provided by us to access your Account (sometimes referred to as "convenience checks"). Checks will be added to your Purchase balance (but there is no race period to avoid interest harges). e will charge a Convenience Check dvance Fee on the amount of each onvenience Check Advance, as set orth in the Rates and Fees table.     ‘Overdraft Protection Advances and Fees ou may set up this Account to coverjWe allow your Card Account to be verdrafts on your checking account jlinked to a KeyBank Checking t KeyBank (“Checking Account"). Account. Only one OD Advance will verdraft Protection Advances ("OD ibe made each day. The terms of this      eDAS Disclosure   Advances’) will be treated as Cash Advances. We will charge an Overdraft Protection Transfer Fee to your Card Account each day an Overdraft Protection Advance occurs as set jforth in the Rates and Fees Tabie.   Page 3 of 12 greement and your checking ccount agreement will apply. In order to link your Card Account to your Checking Account, all persons who applied for the Card Account or who are liable on the Card Account must be owners of the Checking Account. if at any time for any reason the persons who applied for the Card Account or who are tiable 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 ion 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, lexceed the amount of funds in your Checking Account that is avaifable for withdrawal. You request that these automatic OD Advances be made and agree that the amount of the OD Advances will ba advanced from your Card Account up to the jamount that is avaitable under your Cash Advance limit. The Cash Advance limit amount used for authorization of OD Advances is calcuiated as of the end of the prior business day and may be updated with current day information if available. Cash Advances occurring during the day will reduce the mount of the Cash Advance limit Vaitable for OD Advances. The automatic OD Advance will equal the lesser of the amoun? needed to cover the unpaid arnount 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 timit for an OD Advance of the total overdraft amount. If you fail to properly maintain your accounts, in addition to other rights Jand remedies we have, we may terminate your Overdraft Protection. You may cancel the Overdraft jProtection services at any time by giving us written notice at the address printed on your Card     Account monthly statement, We mayeDAS Disclosure Len your Overdraft Protection and Page 4 of 12 top making OD Advances at any ime.   Recurring Transactions Account. To withdraw your jauthorization, you must contact the is changed, or to withdraw authorization, you will need to contact the third pariy. You may authorize a third party to bill charges on a recurring basis to your [transactions if your Account is third party. if your Account is closed may (but are not required to) provide lor suspended, your Account number [the third party your current Account @ are not responsible for recurring losed, suspended, or the Account number changes. You agree that we status, Card number and/or expiration date to facilitate payrnents.   Promotions You may receive special offers related fo your Account. Any special offer is subject to this Agreement, unless specified otherwise.   Rewards If your Account provides you with the opportunity to earn rewards, points may be redeemed for brand named merchandise, gift cards, travel rewards, or other redemption items as we determine from time to time. VWVe will provide you with all information and terms about your rewards separately. We will include on your billing statement all rewards vou have earned.   Foreign Exchange Rate MasterCard International ("MasterCard") will convert transactions made in a foreign couniry using a government- mandated or wholesale rate in effect on the processing date (which may differ from the rate on the date of your transaction). The rate used may differ from the rate that MasterCard actually receives.   Authorization of Transactions/ClosinglYou may close your Account at any the Account time by notifying us either in writing lat the address shown on your billing provided on your billing staternent. We will not honor any convenience check or authorize any transactions after your Account is closed. You ion your Account.     statement or by phone at the number |credit. We are not responsible for remain responsible for any balance jsubject to applicable law. Your We may refuse to authorize any transactions at our sole discretion, even if there is sufficient available any losses associated with a dectined transaction. We may close your Account or terminate your credit privileges at any tire for any reason, Account balance will continue to accrue Interest Charges and fees nd remain subject to all terms of this] greement. 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 IHOW IT AFFECTS THE ACCOUNT   Payment instructions ou must follow the payment by check must be drawn on a U.S. inancial institution in U.S. Dollars. ou authorize us to either use one-time electronic fund transfer rom your account or fo process the payment as a check transaction.   instructions provided on your manthlyjin accordance with the instructions billing statement. All payments made jon your billing statement by the date information from your check to make process late, partial and payments S long as you make your payment nd time payments are due, we will redif your payment as of the day it is received. We may accept and marked as "paid in full" without losing ur rights under this Agreement. Any uch payment must be sent fo the pecial address identified on your  eDAS Disclosure Page 5 of 12 Statement.   Minimum Payment You agree toa pay at least the We will calcutate your minimum minimum payment when due. You [payment based on the method alse agree to pay any past due described in the Additional Terms of Jamounts and also any amounts in Your Cardmember Agreement. The excess of your credit limit when billediminimum payment will appear on on your monthly billing statements or fyour monthly billing statement, and sooner if we ask. may include any past due amounts and any amounts in excess of your credit limit.   How to Avoid Paying Interest on [Purchases and When We Begin to Charge Interest If you paid the New Balance that was/Except as described in the column {shown on your previous billing on the left, we add new Purchases to Statement by the Payment Due Date fyour Account, and they begin to on that statement, then: jaccrue Interest Charges, on the date » We will not impose Interest of the transaction. Charges on Purchases during [There is no grace period for Balance your current billing period if you [Transfers or Cash Advances. We pay the New Balance on your [add new Balance Transfers, current billing statement by the jOverdraft Protection Advances, Payment Due Date in the Checks or Cash Advances to your current dDilfing period, and Account no earlier than the date of ° We will credit any payment the transaction (for Checks, the date applied toward Purchases as of [the payee deposits the Check). We the first day in your current may choose to add fees to your billing period if you make a Account on the date of the related payment by the Payment Due —_{transaction, the date they are posted, Date in the current billing period jor the last day of the billing period. that is less than the New Amounts added to your Account Balance. remain subject to Interest Charges if a New Balance was shown on your [until paid in full. previous billing statement and you did not pay the New Balance by the Payment Due Date on that tatement, then we will not impose Interest Charges on any Purchases during the current billing period if you pay the New Balance shown on your urrent billing staternent by the Payment Due Date in the current billing period.     Application of Payments payment when due, the excess payment less ihan or equal to your bove the minimum payment is minimum payment and any credits to applied to balances with the highest jyour Account in any way we choose. APRs first, We generally apply these payments to lower APR balances first, which means you may pay higher Interest bay make more than the minimum [We may apply the amount of your   Credit Balances Charges. You may request a refund of credit |If no refund is requested, we will balances at any time. fens credit balances to new |   ransactions, unless prohibited by aw.     INTEREST CHARGES   ICALCULATION IHOW WE DO THIS   We calculate the Daily by taking the beginning balance for each type of transaction each day, adding any Balance for each day new transactions and any accrued but unpaid interest for the prior day, and then subtracting any payments and/or credits and other adjustments. We treat any daily balance that is a credit balance as a zero balance. We calculate the Average jby adding all of the Daily Balances for each day in the billing period and then dividing} Daily Balance by the total number of days in the billing period.          eDAS Disclosure Page 6 of 12 Charges for each balance balance" for that balance. We multiply the result by the number of days in the billing We calculate the Interest by applying the daily periodic rate (DPR) for that balance to the “average daily ycle. 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 (far example, we Charged to the Account add interest Charges on the Purchases balance to the Purchases balance). Cash dvance, Overdraft Protection Transfer, and convenience check fees are added to he Cash Advance balance and Balance Transfer fees are added to the Balance ransfer balances, as applicable, and all other fees are added to the Purchases balance.   We add the Minimum by adding the amount set forth in the Rates and Fees table to one or more of the Interest Charge ategories of transactions in which there are balances. We apply the Minimum Interest Charge for any month where Interest Charges are due but are calculated as less than the Minimum Interest Charge.       FEES AND OTHER ACTIONS There may be times when circumstances result in a fee or other action being assessed on the Account. The Rates and Fees Table lists the amounts of these fees. All such fees will be added to the Purchase balance, unless otherwise indicated. Additional fees for special services you request may apply. You will be advised of the amount of such fees at the time of your request.   TO AVOID ACTIONS YOU MUST TAKE WHAT WE WILL CHARGE YOU   Collections Do not default. if the Account is in default, we may take the actions described above in the Default section under Important Definitions, above.             FAQ WHAT YOU MUST DO IHOW IT AFFECTS THE ACCOUNT   jMy Card is lost or stolen, or my Contact us immediately and stop ou will not be liable for any Account has been compromised? using your Account. Contact us at — jJunauthorized use that occurs after the address or telephone number ou notify us. You may, however, be listed on your billing statement or liable for unauthorized use that Card. ccurs before your notice to us. In ny case, your liability will not exceed $50. My Account is closed or suspended? |You must still repay all amounts you fYou remain responsible for your owe uncer this Agreement. balance.   iMy name, address, telephone |Notify us of any change. We may also ask you fo provide us number of other information has updated financial information about changed, ou, and you agree to do sa.         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 upersedes 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 3752, 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 our notice, your address (street, city, state and zip code), your daytime telephone number, and must be igned by at least one of the joint account holders. Your rejection notice should not include any other orrespondence. Calling us to reject the Arbitration Provision or providing notice by any other manner or ornat 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, fenforceability, 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,    eDAS Disclosure Page 7 of 12 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 te fa) any Account subject to the terms of this Agreement (b) any electronic funds transfer from or to any account (c) jadvertisements, 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 Ciaim 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 jarbitration administrator if you initiate an arbitration against us or if either you or we compel arbitration of a Ciaim 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 jadministrator. 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 fist; 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 4 Claim in a Jawsuit in court may elect arbitration with respect to any Claim(s) subsequently asserted in that lawsuit by any other party or parties. IF ARBITRATION 1S 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                                    here shall be no authority for any Claims to be arbitrated on a class action or private aitarney 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 shalt 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 judiciat district f 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 fo the fee, if any, for filing uch 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 he 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, regardiess of which party prevails in the arbitration, unless not prevail in the arbitration, we will not seek to recover our attorneys’, experts’ or witness fees fram you. This rbitration Provision is made pursuant to a transaction involving interstate commerce, and shall be governed by he Federal Arbitration Act ("FAA"), 9 U.S.C. Sections 4 et. seg. The arbitrator shall apply applicable substantive law consistent with the FAA and applicable statutes of limitations and shal! honor claims of privilege recognized af 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 shail 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 shail 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 af a conflict or inconsistency between the applicable Arbitration Rules and this Arbitration Provision, this Arbitration Provision shall govern.    eDAS Disclosure Page 8 of 12 Contacting Arbitration Administrators If you have a question about the arbitration administrators mentioned in this Arbitration Provision or would like to btain a copy of their Arbitration Rules or fee schedules, you can contact them as follows: American Arbitration ssociation, 1633 Broadway, 10th Floor, New York, New York 10019, www.adr.org, (800) 778-7879. Commercial or Cansumer Rules, J.A.M.S./Endispute, 222 South Riverside Plaza, Suite 1850, Chicago, IL 0606; www. jams-endispute.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 lor 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 ta, prerecorded or artificial voice message calls, text messages, and calls made by an automatic telephone diating 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 celiular provider, We may also send an email to any address where we reasonably believe we can contact you, Some of the legal purposes for calls and messages include: suspected fraud or identity theft, obtaining information; transaction on or servicing of the Account, collecting on the Account, and providing you information about product and services. Notify us immediately of any changes to your contact information using the address or phone number shown on your billing statement.   Telephone Monitoring We may listen to and record your telephone calls with us.   Credit Information We may obtain and review your credit history from credit reporting agencies and others, including in connection with the servicing and collection of your Account. We may aiso provide information about your Account to credit reporting agencies nd others. We may provide information to credit reporting agencies about this ccount 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 fo 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 jaw.     Assignment € may sell, assign or transfer the Agreement and the Account or any portion hereof without notice to you, and the purchaser, assignee, or transferee shail have he same rights as we do under this Agreement. You may not sell assign, or fansfer the Account.   Severability Except as specifically provided in the arbitration section above, if any provision of his Agreement is finally determined to be void or unenforceable under any law, rule r regulation, all other provisions of this Agreement will remain valid and nforceable.   Resirictions on Use KeyBank may restrict use of your Card in any jurisdiction or country where such use would be contrary to U.S. law or regulation, or which is identified as presenting a high risk of fraud. Please call 1-877-634-2968 for the current list of countries where transactions are restricted.       YOUR BILLING RIGHTS - Keep this document for future use   This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act. {What to Bo 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 fetter, give us the following information,    eDAS Disclosure Page 9 of 12 « Account information: Your name and account number. e Dollar amount; The dollar amount of the suspected error. e 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: e Within 60 days after the error appeared on your statement. « Atleast 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 te 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. e 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 responsibie 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, e /f 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 70 days telling us that you stil 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 foliow alt 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 lf 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 problern 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 ali 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 fo 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 fron 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    eDAS Disclosure Page 10 of 12 be given the name and address of the consumer reporting agency that furnished the report. hio 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. Utah Residents: As required by Utah law, you are hereby notified that a negative credit report reflecting on your   redit record may be submitted to a credit reporting agency if you fail to fulfill the terms of your credit obligations.   KeyBank Rewards Program Terms and Conditions . Enrallment. Enrollment enables Rewards Points to begin accruing relative to an Enrolled Product and/or an Enrolled Signer. a. Eligible Checking Accounts. To enroli, any Signer on an Eligible Checking Account may calt Key's Customer Service (1-800- KEY2YOU or 1-888KEY4BIZ), tog into 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 enroil all Signers of such Eligibie Checking Account. An Eligible Checking Account that has been enrolled in the Program will be referred to in this Agreement as an “Enralled 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 oumber 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 Eligibte Credit Card is aiso automatically enrolled. From time to time KeyBank may determine that other credit card accounts, which it has acquired or which if may hereafter acquire, are eligible to join the Program, subject to additional terms and conditions. Registration, Registration enables a Signer to access his or her Rewards Account. You only need to register once using any of the options applicable to you below. Once you have registered, all ef your Rewards Paints activity relating to any Enrolled Product for which you are a Signer, wil be visible in your Rewards Account and you will be able to redeem Rewards Points as sat forth in Section IV of this Agreament. @. 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 keybankrewards.com. You will need to follow the directions found on the keybankrewards.com website to obtain a user ID and password for future access. 6. Debit Card. If you are a Signer on an Enroilect Checking Account, you may use the number on your plastic Debit Card to Tegister with KeyBank Rewards at keybankrewards.com. You will need to follow the directions found on the keybankrewards.com website to obtain a user iD and password for future access. c. Eligible Cradit 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 keybankrewards.com. Yau will need to follow the directions found on the keybankrewards.com website to obtain a user ID and password for future access. Signers and Primary Signers. A "Signer" always refers to an individual and not to an antity, organization, trust or other business. Signers for Eligible Checking Accounts and Eligible Credit Card Accounts are further defined as follaws: 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 behaif of an entity, organization or trust. Additionally, a signer may be a person designated on KeyBank's systems, books or records as being a signer. The owner of an account may be different than the actual signers. A signer includes sole owners, co-owners, powers of attorney, authorized minor users and trustees. An authorized user of a Debit Card who has not signed the signature card, is not a Signer for the purposes of this Agreement or the Program. b. Signer on an Eligible Credit Card Account. A signer is an individual who is obligated to repay the outstanding amount under an Eligible Credit Card. A signer includes a borrower, co-borrower or guarantor of the Eligible Credit Card. Additionally, if the Eligible Credit Card is a business credit card fer which the business is the obligor, then signer shall mean the individual who is the legal representative of the business who applied for the business to receive the Eligible Credit Card. 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.   a Accounts and Related Annual Fees A Basic Rewards Annual Relationship Rewards ccount Type - Non-Business Fee Annual Fee     Kay Privilege Select Checking NIA Fee waived   Key Priviiege Checking N/A Fee waived   Sweep Checking NiA Fee waived Key Private Bank Personal Checking N/A Fee waived   Key Private Bank Money Market Checking NA Fee waived   Key Advantage Checking NIA $30   Key Coverage Checking N/A $40   Key Express Checking $30 $40   Key Student Chacking $30 $40   KeyBank Access Account $30 $40          eDAS Disclosure Page 11 of 12 Other Non-Business Checking Accounts Not Listed $30 $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, including KeyBank Key2More Rewards MasterCard Credit Card, Key Private Bank MasterCard Credit Card and KeyBank Platinum MasterCard Credit Card N/A Fee waived   Basic Rewards Annual Relationship Rewards Account Type - Business Fee Annual Fee   —]     Key Business Rewards Checking N/A Fee waived   KeyBank Basic Business Checking $30 $40   Key Business Sweep N/A Fee waived   Key Business Money Market Checking $30 $40   KeyBank Business Interest Checking $30 $40   Other Business Checking Accounts Not Listed $30 $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 N/A Fee Waived Rewards MasterCard Credit Card         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. Cash Back 1. You may redeem Rewards Points for cash back to be applied to your Debit Card or your Eligible Credit Card (either option being referred to as "Cash Back"). If you choose to redeem Rewards Points for Cash Back you will need to select from the available options on the website which Debit Card or Eligible Credit Card the Cash Back will apply to and such selection will remain in effect until changed by you. KeyBank has sole discretion to determine which Debit Cards or Eligible Credit Cards will be available as a viable selection for the Cash Back feature. 2. Cash Back is available only for accounts in good standing as determined by KeyBank in its sole discretion. Any Signer who has registered is eligible to choose Cash Back as a Rewards Points redemption option, subject to the restrictions set forth in this Section X. 3. If you choose Cash Back to be applied to your Debit Card, then the Cash Back will be deposited to the Enrolled Checking Account attached to the Debit Card. Cash Back will post to the account you selected within 1-3 business days and will appear on your monthly checking account statement or your monthly credit card statement. 4. It may take up to two (2) business days after enrollment for an account to be eligible as a selection option for the Cash Back feature. 5. You will be responsible for taxes related to Cash Back, if any. 6. You may only redeem Cash Back in increments set forth in the web site options available at the time of redemption. Key Private Bank MasterCard® Credit Card Interest Rates and Interest Charges   Annual Percentage Rate (APR) for Purchases 00.00 % introductory APR for the first 6 billing cycles. After that, your APR will be 11.99 %. This APR will vary with the market based on Prime Rate. APR for Cash Advances 23.99 %.This APR will vary with the market based on Prime Rate. APR for Balance Transfers 00.00 % Introductory APR for the first 6 billing cycles. After that, your APR will be 11.99 %. 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      eDAS Disclosure Page 12 of 12 advances and balance transfers on the transaction date.   Minimum Interest Charge If you are charged interest, the charge will be no less than $00.50   For Credit Card Tips from the Consumer Financial To learn more about factors to consider when Protection Bureau applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau http:/www.consumerfinance.gov/learnmore     Fees Annual Fee $395.00 ($100.00 for each additional card added to the account)   Transaction Fees:     e Balance Transfer Fee Either $10.00 or 4% or of the amount of each transaction, whichever is greater. Cash Advance Fee Either $10.00 or 4% or of the amount of each transaction, whichever is greater. e Convenience Check Advance Fee Either $10.00 or 4% or of the amount of each transaction, whichever is greater. Cash Equivalent Fee Either $10.00 or 4% or of the amount of each transaction, whichever is greater. Overdraft Protection Transfer Fee $00.00         How We Calculate Your Balance: We use a method called the average daily balance method (including new purchases). 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. (ID {792B2951-73EF-4056-9BCB-F61DFCB23C81})