eDAS Disclosure Page 1 of 14 CARDMEMBER AGREEMENT Please take the time to review the following important information about your Account and retain it for future reference. This dacumeni, including the accompanying Rates and Fees Table and the Additional Terms of Your Cardmember Agreement, is an agreement between you, the Cardmember, and us, KeyBank National Association, and is referred to throughout this document as the "Cardmember Agreement" or "Agreement." If yau have any questions, please call us using the number on the back of your Card or on your billing statement. Your Agreement and Promise to Pay: By using the Account, making a payment on the Account, or signing an application for any Card we send you, you agree to the terms of this Agreement. You agree to pay us all amounts that we lend to you on your Account, together with Interest Charges and fees as provided in this Agreement.         YOUR ACCOUNT TERMS | MPORTANT TERMS WHAT IT MEANS HOW IT AFFECTS THE CCOUNT You and your All persons who applied for the [If there are joint Cardmembers, Account of who are liable on @ may send communications the Account by any other o either of you, we may means isclose information about the ccount to either of you, and e may accept instructions rom either of you (even if you have a disagreement). We, us, cur and KeyBank KeyBank National Association {We are the creditor of your Account and the issuer of your Card. Credit Limit Your credit limit is the maximum|We will advise you of the total amount that you can have credit limit an your Account outstanding on your Account at fwhen we first send you your any time. You agree not to Card and when we post it on request any transactions that jyour monthly billing statement. would cause your Account Your Cash Advance limit is only balance to exceed the credit fa portion of your total available jlimit. You are responsible for unused) credit limit. Your total balances on your Account credit limit and Cash Advance including amounts charged in ffimit may change from time to excess of your credit fimit. time. We will notify you of any jsuch changes through your billing statement or by sending vou a separate notice, which may be after the change occurs. If no separate Cash Advance limit is listed on our billing statement, then the amount of your credit limit available for Cash Advances is your total credit limit. We may cancel, change, or rescind your credit availability at any time. We may approve a transaction that causes your Account balance to exceed the credit fae but we do not treat such a   ransaction as a request for an increase in your credit limit, Authorized Users You are responsible for any use|if you request, we may issue        eDAS Disclosure Page 2 of 14 of your Accaunt by an {Cards that access your Account authorized user or anyone else jto your authorized users. If you hat you permit to use your ecount. You must notify us to reveke an authorized user's permission to usé your ccount You are responsible to recover from that authorized user and destroy any Cards, checks and other devices that an be used as a means of ccessing your Account. revoke an authorized user, we may close your Account and issue a new Card(s) with a different Account number.       fiMPORTANT DEFINITIONS Cash Advance he following transactions will be treated as Cash Advances: ail advances to get cash aver the counter, through an ATM, or other "cash- like" transactions (such as purchasing @ money order, traveler's check, casino betting chip, or a lottery ticket) as determined by us. We sometimes call these Cash Equivalents. The daily periodic rate for a given balance is equal to the APR for that balance divided by 365, It is a daily interest rate. This is the date by which we must receive the minimum payment in order for it to be on time. Your monthly billing statement will list the Payment Due Date.     Daily Periodic Rate (BPR} Payment Due Date     Default An Account will be in default if 1} you fail to make at least the minimum payment when due; 2) you violate any other provision of this Agreement; 3) we believe you may be unwilling or unable ta pay your debts on time; 4) you file for bankruptcy; ior §} you become incapacitated or die. If your Account is in default, we may close your Account or terminate or jsuspend your credit privileges without notice and require full payment of your outstanding balance immediately. We can also begin collection activities. To the extent permitted by jaw, if you are in default because you have failed to pay us, we will require you tc pay cur collection costs, attorneys’ fees, court costs and ail other expenses of enforcing our rights under this Agreement. USING YOUR ACCOUNT You may use your Account only for personal, family or household purposes. You may not use your Account for illegai purposes, and you may not use your Account for internet gambling (even if legal). However, you are still responsible for any transactions that you enter into in violation of this Agreement.             USE WHAT IT MEANS |HOW IT AFFECTS THE ACCOUNT Purchases You may use the Accountto {We authorize charges to your Account in accordance with the terms of the Agreement. buy goods and services.   Balance Transfers and Fees You can transfer balances to your Account by contacting us. We will charge a Balance Transfer fee on the amount of each Balance Transfer, as set orth in the Rates and Fees ble.   Ve permit Balance Transfers from most accounts issued by other banks. We do not permit Balance Transfers from other accounts or loans with us or any of our affiliates.        eDAS Disclosure Cash Advances and Fees You may obtain cash from ATMs or at banks. We will charge a Cash Advance ffee or Cash Equivaient fee on the amount of each Cash Advance, as set forth in the Rates and Fees table, Page 3 of 14 Wea treat certain transactions as ‘Cash Advances. See the Cash Advance section under Your Account Terms, above.   Checks and Fees Nou may use checks provided by us to access your Account (sometimes referred to as convenience checks"). Checks Avill be added to your Purchase balance (but there is no grace period to avoid interest charges). We wil charge a Convenience Check Advance Fee on the amount of each Convenience Check Advance, as set forth in the Rates and Fees table. We may provide checks for your use; we have the right not ta pay a check fer any reason. You may not use a convenience check to make a payment on the Account or any other Account witit us.   Overdraft Protection Advances land Fees   You may set up this Account fo cover overdrafts on your checking account at KeyBank Protection Advances ("OD 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 forth in the Rates land Fees Table.   Ve allow your Card Account to be linked to a KeyBank Checking Account. Only one (“Checking Account"). OverdraftlOD Advance will be made each day. The terms of this Agreement and your checking account agreement will apply. In order to tink your Card Account fo your Checking Account, all persons who applied for the Card Account or who afe 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 liable on the Card Account and the owners of the Checking Account are different, your right fio take OD Advances will terminate. At the end of each business day, an automatic OD Advance will be made on your Card Account when the totai amount of withdrawais from your Checking Account made during the day and service charges we post to your Checking Account for the day, exceed the amount of funds in your Checking Account that is available for withdrawal. You request that these automatic OD Advances    eDAS Disclosure                                 Page 4 of 14 be made and agree that the mount of the OD Advances il be advanced from your Card Account up to the amount that is available under your Cash Advance limit. Tne Cash dvance limit amount used for uthorization of OD Advances is calculated as of the end of he prior business day and may be updated with current day information if available. Cash dvances occurring during the ay will reduce the amount of he Cash Advance limit equal the lesser of the amount needed to cover the unpaid mount of withdrawals and service charges in your Checking Account, or the amount of availabie funds under your Cash Advance limit, rounded up to the nearest $50.00 increment. Please note that we may pay items inte overdraft, at our discretion, and charge an overdraft fee on your Checking Account if you do not have available funds under your Cash Advance limit for an OD Advance of the total overdraft amount. If you fail to properly maintain your accounts, in addition to other rights and remedies we have, we may terminate your Overdraft Protection. You may cancel the Overdraft Protection ervices at any time by giving us written notice at the address printed on your Card Account monthly statement. We may cancel your Overdraft Protection and stop making OD Advances at any time.   Recurring Transactions   You may authorize a third party to bill charges on a recurring basis to your Account. To withdraw your authorization, vou must contact the third party. 1? your Account is closed or suspended, your Account number is changed, or to withdraw authorization, you will   need to contact the third party, We are not responsibie for recurring transactions if your Account is closed, suspended, lor the Account number changes. You agree that we may (but are not required to) provide the third party your current Account status, Card number and/or expiration date     to facilitate payments.  eDAS Disclosure Promotions You may receive special offers related to your Account. Page 5 of 14 his Agreement, unless fi special offer is subject to specified otherwise.   Rewards ff your Account provides you with the opportunity to earn rewards, points may be redeerned for brand named merchandise, gift cards, travel rewards, or other redemption items as we determine from time to time. e will provide you with ail information and terms about your rewards separately. We Will include on your billing {statement all rewards you have eamed.,   Foreign Transaction Fee and Exchange Rate For transactions that take place ‘outside the United States, a fee may be assessed on the U.S. Dollar amount of the transaction. See the Rates and Fees Table above for the fee applicable to the Account. |MasterCard international ("MasterCard") will convert transactions made in a foreign country using a government- mandated or wholesale rate in jeffect on the processing date (which may differ from the rate on the date of your transaction). The raie used may differ from the rate that MasterCard actually receives.   Authorization of Transactions/Ciosing the Account   You may close your Account at jany time by notifying us either in writing at the address shown fon your billing statement or by phone at the number provided lon your billing statement, We will not honor any convenience check or authorize any transactions after your Account is Closed. You remain responsible for any balance on your Account.   We may refuse to authorize any transactions at our sole discretion, even if there is jsuificient available credit. We are not responsible for any losses associated with a declined transaction. We may lose your Account or terminate our credit privileges at any ime for any reason, subject to pplicable law. Your Account balance will continue to accrue Interest Charges and fees and remain subject to all terms of his Agreement. if we do so, ou may not use your Card or ny checks we have issued.     MAKING PAYMENTS You will receive a billing statement each month, if one is required. It will show your minimum payment and the Payment Due Date, and will provide instructions for making your payment.   IMPORTANT INFORMATION {WHAT IT MEANS HOW iT AFFECTS THE CCOUNT   Payment instructions   You must follow the payment jinstructions provided on your monthly billing statement. All payments made by check must be drawn on a U.S. financial institution in U.S. Dollars, You pumorize us to eifher use information from your check to make a one-time electronic fund transfer from your account   ayment in accordance with the instructions on your billing statement by the date and time payments are due, we will credit your payment as of the day it is received. We may accept and process late, partial nd payments marked as "paid in full” without losing our rights bs long as you make your p   ior to process the payment as a under this Agreement. Any    eDAS Disclosure Page 6 of 14 check transaction. such payment must be sent to ithe special address identified ion your statement. jMinimum Payment You agree to pay atleast the [We will calculate your minimum minimum payment when due. fpayment based on the method You alse agree to pay any past described in the Additional due amounts and also any Terms of Your Cardmember amounts in excess of your Agreement. The minimum credit limit when billed on your [payment will appear on your monthly billing statements or — [monthly billing statement, and Pe 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 = Except as described in the hat was shown on your column on the jeft, we add new previous billing statement by [Purchases to your Account, and he Payment Due Date on that {they begin to accrue Interest staiement, then: Charges, on the date of the ¢ We will not impose Interest }@nsaction. Charges on Purchases There is no grace period for during your current billing [Balance Transfers or Cash period if you pay the New [Advances. We add new Balance on your current [Balance Transfers, Overdraft billing statement by the Protection Advances, Checks Payment Due Date in the jor Cash Advances to your cirrent billing period, and |Account no earlier than the date « We will credit any paymentjof the transaction (for Checks, applied toward Purchases fthe date the payee deposits the as of the first day in your }Check). We may choose to add current billing period if you |fees to your Account on the make a payment by the ate of the related transaction, Payment Due Date in the {the date they are posted, or the current billing period that is last day of the billing period. less than the New mounts added to your Balance. ccount remain subject to If a New Balance was shown onlinterest Charges until paid in your previous billing statement ffull. land you did not pay the New Balance by the Payment Due Date on that statement, then we] Will not impose Interest Charges on any Purchases during the current billing period if you pay the New Balance shown on your current billing statement by the Payment Due Date in the current billing period. Application of Payments if you make more than the We may apply the amount of minimum payment when due, jyour payment less than or the excess above the minimum jequal to your minimum payment is applied to balances jpayment and any credits to with the highest APRs first. your Account in any way we hoose, We generally apply hese payments to lower APR balances first, which means you            eDAS Disclosure Page 7 of 14 may pay higher Interest   Charges. Credit Balances You may request a refund of ‘if no refund is requested, we credit balances at any time. will apply credit balances to new transactions, unless prohibited by law.       INTEREST CHARGES CALCULATION IHOW WE DO THIS We calculate the Daily by taking the beginning balance for each type of transaction each day, Balance for each day dding any new transactions and any accrued but unpaid interest for the prior day, and then subtracting any payments and/or credits and other djustments. We treat any daily balance that is a credit balance as a         ero balance. We calculate the iby adding ail of the Daily Balances for each day in the billing period and Average Daily Balance jthen dividing by the total number of days in the billing period. Ve calculate the by applying the daily periodic rate (DPR) for that balance to the "average Interest Charges for _ daily balance" for that balance. We multiply the result by the number of each balance days in the billing cycle. That gives us the total interest Charges for that balance for that billing period. We add the Interest by adding the Interest Charges to the balance ta which it applies (for Charged to the Accountjexample, we add Interest Charges on the Purchases balance to the Purchases balance). Cash Advance, Overdraft Protection Transfer, and convenience check fees are added to the Cash Advance balance and Balance Transfer fees are added to the Balance Transfer balances, as applicable, and ail other fees are added to the Purchases balance. We add the Minimum — jby adding the amount set forth in the Rates and Fees table to one or Interest Charge more of the categories of transactions in which there are balances. We Fer the Minimum Interest Charge for any month where Interest       harges are due but are calculated as less than the Minimum Interest Charge. FEES AND OTHER ACTIONS There may be times when circumstances result in a fee or other action being assessed on the Account. The Rates and Fees Table lists the amounts of these fees. All such fees will be added to the Purchase balance, unless otherwise indicated. Additional fees for special services you request may apply. You will be advised of the amount of such fees at the time of your request.           TO AVOID ACTIONS YOU MUST TAKE [WHAT WE WILL CHARGE you Late Payment Fee Ensure that we receive at least if any payment is late, we may the minimum payment by the {charge you a late payment fee. Payment Bue Date shown on [See the Rates and Fees Table the monthly billing statement. — for the late payment fee japplicable to your Account. Jn no event will your late payment fee exceed the amount of your minimum payment due.     top Payment Fee Do not stop payment on We may charge a stop payment checks. fee of $34.00 if we stop payment on a check at your request. Collections jo not default. jif the Account is in default, we may take the actions described above in the Default section under Important Definitions,        eDAS Disclosure Page 8 of 14   labove. Statement Reprint Fee You can request a copy of your We will add a Statement [statement. Reprint fee of $6 to your purchase baiance if you request] a copy of your monthly   jstatement. . You can request that anew or [We will add a Rush Order fee of Rush Order Fee replacement card be sent to $25 to your Purchase balance if Card Replacement you on an expedited basis. you request that a new or replacement card be sent to ou on an expedited basis.           FAQ WHAT YOU MUST BO HOW IT AFFECTS THE CCOUNT iMy Card is lost or stolen, ar my [Contact us immediately and ou Will not be liable for any Account has been jstop using your Account. Unauthorized use that occurs compromised? ‘Contact us at the address or fter you notify us. You may, telephone number listed on however, be liable for your billing statement or Card. unauthorized use that occurs before your notice fo us. In any case, your liability will not         exceed $50. My Account is clased or You must still repay ail amountsfYou remain responsible for your suspended? you owe under this Agreement. balance. jMy name, address, telephone [Notify us of any change. We may also ask you te provide number. of other information has us updated financial information changed. about you, and you agree to do {s0.     ARBITRATION AND WAIVER OF JURY TRIAL RIGHTS Arbitration Provision. This Arbitration Provision sets forth the circumstances and procedures under which a Claim or Claims (as defined below) may be arbitrated instead of litigated in court. This Arbitration Provision supersedes and replaces any existing arbitration provision between you and us, This Arbitration Provision will apply to the Account(s) unless you notify us in writing that you reject the Arbitration Provision within 60 days of ope ning the Account(s}. Send your rejection notice to KeyBank N.A., PO Box 93752, Cleveland, Ohio 44101-5752. Your notice must be legible and include your name, the names of any joint jaccount holders and the account number(s}, the last four digits of your card number, the date of your notice, your address (street, city, state and zip code), your daytime telephone number, and must be signed by at feast one of the joint account holders. Your rejection notice should not include any other correspondence. Calling us to reject the Arbitration Provision or providing notice by any other manner or format than as described above will not operate as a rejection of this Arbitration Provision and consequently this Arbitration Provision will become part of this Agreement. Rejection of this Arbitration Provision does not serve as a rejection of any other term or condition of the Agreement with us governing your Account(s). As used in this Arbitration Provision, the word "Claim" means any claim, dispute, or controversy between you and us arising from or relating to this Agreement or the Account(s), including without limitation, the validity, enforceability, or scope of this Arbitration Provision or this Agreement. "Claim" or "Claims" include claims of every kind and nature, whether pre-existing, present or future, including without limitation, initial claims, counterclaims, cross-claims, and third-party claims, and claims based upon contract, tort, fraud, and other intentional torts, constitutions, statutes, regulation, common law, and equity (including, without limitation, any claim for injunctive or declaratory relief). The word "Claim" or "Claims" is to be given the broadest possible meaning and includes, by way of example, and without limitation, any claim, dispute, or controversy that arises from or relates to {a) any Account subject to the terms of this Agreement        eDAS Disclosure Page 9 of 14 (b) any electronic funds transfer from or to any account (c) advertisements, promotions, or oral and written statements related to this Agreement or the Account, (d) your application for the Account; and (e) the collection of amounts owed by you to us. This Arbitration Provision will not apply to Claims previously asserted, or which are later asserted, in lawsuits filed before the effective date of this Arbitration Provision or any prior arbitration provisions between you and us, whichever is earlier. However, this Arbitration Provision will apply to all other Claims, even if the facts and circumstances giving rise to the Claims existed before the effective date of this Arbitration Provision. Any Claim shail 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 jselect 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, e will select one. In all cases, the arbitrator(s) should be a lawyer with more than ten (10) years f experience or a retired judge. If for any reason the selected organization is unable or unwilling T eases to serve as the arbitration administrator, you will have twenty (20) days to select a ifferent administrator from the above list; if you fail to select a different administrator within the enty (20)-day period, we will select one. tn all cases, a party who has asserted a Claim ina lawsuit in court may elect arbitration with respect to any Claim(s) subsequently asserted in that fawsuit 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 RIAL ON THAT CLAIM, OR TO ENGAGE IN PRE-ARBITRATION DISCOVERY EXCEPT AS                               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 ENT TO COURT MAY ALSO NOT BE AVAILABLE IN ARBITRATION, THE FEES HARGED BY THE ARBITRATION ADMINISTRATOR MAY BE GREATER THAN THE FEES CHARGED BY A COURT. There shall be no authority for any Claims to be arbitrated on a class action or private attorney general basis, Furthermore, arbitration can oniy decide your or our Claim(s) and may not consolidate or join the claims of other persons that may have similar claims. There shail 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 (8) 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 shail 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 Federat Arbitration Act ("FAA"), 9 U.S.C. Sections 1 et. seq. The arbitrater 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, shail provide a brief written explanation of the basis for the award. In conducting the arbitration proceeding, the arbitrator shalt not apply the federal or any state rules of civil procedure or rules of evidence. Judgment upon the award rendered by the arbitrator may    eDAS Disclosure Page 10 of 14                            acision of the panel shail be by majority vote, The costs of such an appeal will be borne by the ppealing party regardless of the outcome of the appeal. his Arbitration Provision shall survive termination of ail 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 partions of this Arbitration Provision or the Agreement. In the event of a conflict or inconsistency between the applicable rbitration Rules-and this Arbitration Provision, this Arbitration Provision shalt govern. Contacting Arbitration Administrators if you have a question about the arbitration administrators mentioned in this Arbitration Provision r would like to obtain a copy of their Arbitration Rules or fee schedules, you can contact them as llows: American Arbitration Association, 1633 Broadway, 10th Floor, New York, New York 10019, www.adr.org, (800) 778-7879. Commercial or Consumer Rules, JAMS /Endispute, 222 South Riverside Plaza, Suite 1850, Chicago, iL 60606: www. jams-endispufe.com (800) 352- 0267, Financial Services Arbitration Rules and Procedures.     lOTHER TERMS OF THE RELATIONSHIP Communications                      € may send Cards, statements, and other communications to you at ny mailing or email address in our records. By providing a telephone number for a cellular telephone, other wireless device, or a landline number that was later converted to a wireless device, you are expressly onsenting 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 tom 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 regardiess of their purpose. These calls and messages may incur access fees from your cellular provider. We may also send an email to any address where we reasonably believe we can contact you. Some of the legal purposes for calls and messages include: suspected fraud or identity theft, obtaining information; transaction on or servicing of the Account: collecting on the laccount 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 alse provide information about your Account to credit reporting agencies and others. We may provide jinformation to credit reporting agencies about this Account in the name lof 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 nat thereby waive the same right in other situations. Applicable Law This Agreement and the Account will be governed by federal law, and ta the extent state law is applicable, the laws of the state of Ohio, and              eDAS Disclosure Page 11 of 14 {these laws will apply no matter where you live or use this Account. Amendments [Ne 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 taw, ang we will provide notice as required by law. Assignment We may sell, assign or transfer the Agreement and the Account or any portion thereof without notice to you, and the purchaser, assignee, or transferee shall have the same rights as we do under this Agreement. You may not sell assign, or transfer the Account. Severability Except as specifically provided in the arbitration section above, if any provision of this Agreement is finally determined to be void or unenforceable under any law, rule or regulation, ail other provisions of this Agreement will remain valid and enforceable. Restrictions on Use KeyBank may restrict use of your Card in any jurisdiction or country Where such use would be contrary to U.S. law or regulation, or which is kevavo as presenting a high risk of fraud. Please call 1-800-           KEY2YOU for the current list of countries where transactions are restricted.     YOUR BILLING RIGHTS - Keep this document for future use This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act. |What to Do If You Find A Mistake On Your Statement If you think there is an error on your statement, write us at the address shown on your billing jstatement. In your Jetter, give us the following information.   ® Account information: Your name and account number. ® Dollar amount: The dailar amaunt 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: ® Within 60 days after the error appeared on your statement. © Atleast 3 business days before an automated payment is scheduled, if you want fo 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: e We cannot try to collect the amount in question, of report you as delinquent on that amount. e The charge in question may remain on your statement, and we may continue te charge you interest on that amount. e While you do not have to pay the amount in question, you are responsible for the remainder of your balance. e 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 ammount. ° /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.    eDAS Disclosure Page 12 of 14 If you receive our explanation but still believe your bill is wrong, you must write to us within 70 ays telling us that you still refuse to pay. If you do so, we cannot report you as delinquent ithout also reporting you are questioning your bill. We must tell you the name of anyone to hom we reported you as delinquent, and we must let those organizations know when the matter as been settled between us. lf we do not follow all of these rules above, you do not have to pay the first $50 of the amount you question even if your bill is correct. Your Rights If You Are Dissatisfied With Your Credit Card Purchases lif you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in igood faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, all of the following must be true: 1. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own the company that sold the good or services.) 2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify. 3. You must not yet have fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at the address shown on your billing statement. While we investigate, the same rules apply to the disputed amount as discussed above. After we we our investigation, we will tell you our decision. At that point, if we think you owe an amount nd 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 redit reports from consumer reporting agencies in connection with this application, any ransaction or extension of credit that may result from this application, and on an ongoing basis, ‘or the purposes of performing a routine and occasional verification of credit on the Account, pdating 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 our 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 e report. hio Residents: The Ohio laws against discrimination require that all creditors make credit qually available to all creditworthy customers and that credit reporting agencies maintain eparate credit histories on each individual upon request. The Ohio Civil Rights Commission dministers compliance with the law. Utah Residents: As required by Utah law, you are hereby notified that a negative credit report eflecting on your credit record may be submitted to a credit reporting agency if you fail to fulfill he terms of your credit obligations.     KeyBank Platinum MasterCard® Credit Card   Interest Rates and Interest Charges   Annual Percentage Rate (APR) for Purchases 00.00 % Introductory APR for the first 12 billing cycles. After that, your APR will be 10.99 % to 20.99 % based on your creditworthiness. This APR will vary with the market based on Prime Rate.        eDAS Disclosure APR for Cash Advances Page 13 of 14 23.99 % This APR will vary with the market based on Prime Rate.   APR for Balance Transfers 00.00 % Introductory APR for the first 12 billing cycles. After that, your APR will be 10.99 % to 20.99 % based on your creditworthiness. This APR will vary with the market based on Prime Rate.   Paying Interest Your payment due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date of each month. We will begin charging interest on cash advances, convenience check advances and balance transfers on the transaction date.   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 Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau http:/Awww.consumerfinance.gov/learnmore     Fees   Annual Fee None   Transaction Fees:   e Balance Transfer Fee Cash Advance Fee e Convenience Check Advance Fee Cash Equivalent Fee Overdraft Protection Transfer Fee Foreign Transaction Fee   Either $10.00 or 4% or of the amount of each transaction, whichever is greater. Either $10.00 or 4% or of the amount of each transaction, whichever is greater. Either $10.00 or 4% or of the amount of each transaction, whichever is greater. Either $10.00 or 4% or of the amount of each transaction, whichever is greater. $10.00 3% of the amount of each foreign currency transaction after its conversion into U.S. dollars   Penalty Fees: —SS=      eDAS Disclosure Page 14 of 14 Late Payment Up to $35.00   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 {C22F6386-BF4D-466C-8001-46C001980D3C})