CARDMEMBER AGREEMENT 

Please take the time to review the following important information about your Account and retain it for 
future reference. This document, including the accompanying Rates and Fees Table and the Additional 
Terms of Your Cardmember Agreement, is an agreement between you, the Cardmember, and us, 
KeyBank National Association, and is referred to throughout this document as the "Cardmember 
Agreement" or the "Agreement." If you have any questions, please call us using the number on the back 
of your Card or on your billing statement. 

Your Agreement and Promise to Pay: By using the Account, making a payment on the Account, or 
signing an application for any Card we send you, you agree to the terms of this Agreement. You agree to 
pay us all amounts that we lend to you on your Account, together with Interest Charges and fees as 
provided in this Agreement. 

YOUR ACCOUNT TERMS 

IMPORTANT TERMS 

WHAT IT MEANS 

You and your 

All persons who applied for the 
Account or who are liable on the 
Account by any other means 

We, us, our and KeyBank 

KeyBank National Association 

Credit Limit 

Your credit limit is the maximum 
amount that you can have 
outstanding on your Account at 
any time. You agree not to request 
any transactions that would cause 
your Account balance to exceed 
the credit limit. You are 
responsible for balances on your 
Account including amounts 
charged in excess of your credit 
limit. 

HOW IT AFFECTS THE 
ACCOUNT 
If there are joint Cardmembers, we 
may send communications to 
either of you, we may disclose 
information about the Account to 
either of you, and we may accept 
instructions from either of you 
(even if you have a disagreement). 
We are the creditor of your 
Account and the issuer of your 
Card. 
We will advise you of the total 
credit limit on your Account when 
we first send you your Card and 
when we post it on your monthly 
billing statement. Your Cash 
Advance limit is only a portion of 
your total available (unused) credit 
limit. Your total credit limit and 
Cash Advance limit may change 
from time to time. We will notify 
you of any such changes through 
your billing statement or by 
sending you a separate notice, 
which may be after the change 
occurs. If no separate Cash 
Advance limit is listed on our 
billing statement, then the amount 
of your credit limit available for 
Cash Advances is your total credit 
limit. We may cancel, change, or 
rescind your credit availability at 
any time. We may approve a 
transaction that causes your 
Account balance to exceed the 
credit limit, but we do not treat 
such a transaction as a request for 
an increase in your credit limit. 
If you request, we may issue 
Cards that access your Account to 

Authorized Users 

You are responsible for any use of 
your Account by an authorized 

Annual Membership Fee 

user or anyone else that you 
permit to use your Account. You 
must notify us to revoke an 
authorized user's permission to 
use your Account. You are 
responsible to recover from that 
authorized user and destroy any 
Cards, checks and other devices 
that can be used as a means of 
accessing your Account. 
If your Account has an Annual 
Membership Fee, the amount of 
the fee is listed in the Rates and 
Fees Table. You are responsible 
for paying the fee every year your 
Account is open or until your 
Account is closed and paid in full. 

your authorized users. If you 
revoke an authorized user, we 
may close your Account and issue 
a new Card(s) with a different 
Account number. 

We will add your annual fee to 
your monthly billing statement 
once a year, whether or not you 
use your Account. Information is 
provided below under 
Authorization of 
Transactions/Closing the Account 
explaining how you can cancel 
your Account to avoid future 
annual fees. 

IMPORTANT DEFINITIONS 
Cash Advance 

The following transactions will be treated as Cash Advances: all advances to 
get cash over the counter, through an ATM, or other "cash-like" transactions 
(such as purchasing a money order, traveler's check, casino betting chip, or a 
lottery ticket) as determined by us. We sometimes call these Cash 
Equivalents. 

Daily Periodic Rate (DPR)  The daily periodic rate for a given balance is equal to the APR for that 

Payment Due Date 

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. 

Default 

An Account will be in default if: 

1) you fail to make at least the minimum payment when due; 2) you violate 
any other provision of this Agreement; 3) we believe you may be unwilling or 
unable to pay your debts on time; 4) you file for bankruptcy; or 5) you 
become incapacitated or die. 

If your Account is in default, we may close your Account or terminate or 
suspend your credit privileges without notice and require full payment of your 
outstanding balance immediately. 

USING YOUR ACCOUNT 
You may use your Account only for personal, family or household purposes. You may not use your 
Account for illegal purposes, and you may not use your Account for internet gambling (even if legal). 
However, you are still responsible for any transactions that you enter into in violation of this Agreement. 

USE 

Purchases 

WHAT IT MEANS 

You may use the Account to buy 
goods and services. 

Balance Transfers and Fees 

You can transfer balances to your 
Account by contacting us. We will 

HOW IT AFFECTS THE 
ACCOUNT 
We authorize charges to your 
Account in accordance with the 
terms of the Agreement. 
We permit Balance Transfers from 
most accounts issued by other 

 
Cash Advances and Fees 

Checks and Fees 

Overdraft Protection Advances 
and Fees 

charge a Balance Transfer fee on 
the amount of each Balance 
Transfer, as set forth in the Rates 
and Fees table. 

You may obtain cash from ATMs 
or at banks. We will charge a 
Cash Advance fee or Cash 
Equivalent fee on the amount of 
each Cash Advance, as set forth 
in the Rates and Fees table. 

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 grace 
period to avoid interest charges). 

We will charge a Convenience 
Check Advance Fee on the 
amount of each Convenience 
Check Advance, as set forth in the 
Rates and Fees table. 

You may set up this Account to 
cover overdrafts on your checking 
account at KeyBank ("Checking 
Account"). Overdraft Protection 
Advances ("OD Advances") will be 
treated as Cash Advances. 

Overdraft Protection Set 
up. Overdraft protection is 
typically available within ten 
business days of receipt of the 
request. To confirm your request 
for overdraft protection has been 
processed and is available: 
1. Call or visit your local branch. 
2. Check your account at Key.com 
on the financial details tab. 
3. Call our Client Satisfaction 
Center at 1-800-KEY2YOU (1-
800-539-2968) or for our hearing 
impaired clients TDD/TTY 1-800-
539-8336. 

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 
and Fees Table. 

banks. We do not permit Balance 
Transfers from other accounts or 
loans with us or any of our 
affiliates. 
We treat certain transactions as 
Cash Advances. See the Cash 
Advance section under Your 
Account Terms, above. 

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. 

We allow your Card Account to be 
linked to a KeyBank Checking 
Account. Only one OD Advance 
will be made each day. The terms 
of this Agreement and your 
checking account 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 
liable on the Card Account and the 
owners of the Checking Account 
are different, your right to take OD 
Advances will terminate. 

At the end of each business day, 
an automatic OD Advance will be 
made on your Card Account when 
the total amount of withdrawals 
from your Checking Account made 
during the day and service 
charges we post to your Checking 
Account for the day, exceed the 
amount of funds in your Checking 
Account that is available for 
withdrawal. You request that these 

automatic OD Advances be made 
and agree that the amount of the 
OD Advances will be advanced 
from your Card Account up to the 
amount that is available under 
your Cash Advance limit. The 
Cash Advance limit amount used 
for authorization of OD Advances 
is calculated as of the end of the 
prior business day and may be 
updated with current day 
information if available. Cash 
Advances occurring during the day 
will reduce the amount of the Cash 
Advance limit available for OD 
Advances. The automatic OD 
Advance will equal the lesser of 
the amount needed to cover the 
unpaid amount of withdrawals and 
service charges in your Checking 
Account, or the amount of 
available funds under your Cash 
Advance limit, rounded up to the 
nearest $50.00 increment. Please 
note that we may pay items into 
overdraft, at our discretion, and 
charge an overdraft fee on your 
Checking Account if you do not 
have available funds under your 
Cash Advance limit for an OD 
Advance of the total overdraft 
amount. 

If you fail to properly maintain your 
accounts, in addition to other 
rights and remedies we have, we 
may terminate your Overdraft 
Protection. You may cancel the 
Overdraft Protection services at 
any time by giving us written 
notice at the address printed on 
your Card Account monthly 
statement. We may cancel your 
Overdraft Protection and stop 
making OD Advances at any time. 

Recurring Transactions 

You may authorize a third party to 
bill charges on a recurring basis to 
your Account. To withdraw your 
authorization, you must contact 
the third party. If 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 responsible for 
recurring transactions if your 
Account is closed, suspended, or 
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. 

Promotions 

Rewards 

Foreign Exchange Rate 

You may receive special offers 
related to your Account. 

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. 

Any special offer is subject to this 
Agreement, unless specified 
otherwise. 
We will provide you with all 
information and terms about your 
rewards separately. We will 
include on your billing statement 
all rewards you have earned. 

Mastercard International 
("Mastercard") will convert 
transactions made in a foreign 
country using a government-
mandated or wholesale rate in 
effect on the processing date 
(which may differ from the rate on 
the date of your transaction). The 
rate used may differ from the rate 
that Mastercard actually receives. 
We may refuse to authorize any 
transactions at our sole discretion, 
even if there is sufficient available 
credit. We are not responsible for 
any losses associated with a 
declined transaction. We may 
close your Account or terminate 
your credit privileges at any time 
for any reason, subject to 
applicable law. Your Account 
balance will continue to accrue 
Interest Charges and fees and 
remain subject to all terms of this 
Agreement. If we do so, you may 
not use your Card or any checks 
we have issued. 

Authorization of 
Transactions/Closing the Account 

You may close your Account at 
any time by notifying us either in 
writing at the address shown on 
your billing statement or by phone 
at the number provided on 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. 

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 

Payment Instructions 

You must follow the payment 
instructions 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 
authorize us to either use 
information from your check to 
make a one-time electronic fund 
transfer from your account or to 
process the payment as a check 
transaction. 

HOW IT AFFECTS THE 
ACCOUNT 
As long as you make your 
payment 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 and payments 
marked as "paid in full" without 
losing our rights under this 
Agreement. Any such payment 
must be sent to the special 

 
Minimum Payment 

How to Avoid Paying Interest on 
Purchases and When We Begin to 
Charge Interest 

You agree to pay at least the 
minimum payment when due. You 
also agree to pay any past due 
amounts and also any amounts in 
excess of your credit limit when 
billed on your monthly billing 
statements or sooner if we ask. 

• You need to pay in full on or 
before the Due Date the "New 
Balance" on your Bill in order to 
receive a Grace Period on your 
Purchases. As long as you 
continue to pay the entire "New 
Balance" on your Bill on or before 
the Due Date each consecutive 
Billing Period, your Purchases will 
receive a Grace Period. If you do 
not pay your Bill in full (including 
the amount of any special 
promotions, Convenience Check 
offers, etc.), you will lose your 
Grace Period. 

address identified on your 
statement. 
We will calculate your minimum 
payment based on the method 
described in the Additional Terms 
of Your Cardmember Agreement. 
The minimum payment will appear 
on your monthly billing statement, 
and may include any past due 
amounts and any amounts in 
excess of your credit limit. 

Except as described in the column 
on the left, we add new Purchases 
to your Account, and they begin to 
accrue Interest Charges, on the 
date of the transaction. 

There is no grace period for 
Balance Transfers or Cash 
Advances. We add new Balance 
Transfers, Overdraft Protection 
Advances, Checks or Cash 
Advances to your Account no 
earlier than the date of the 
transaction (for Checks, the date 
the payee deposits the Check). 
We may choose to add fees to 
your Account on the date of the 
related transaction, the date they 
are posted, or the last day of the 
billing period. 

Amounts added to your Account 
remain subject to Interest Charges 
until paid in full. 

• If you lose your Grace Period by 
making only a partial payment that 
is at least equal to the Minimum 
Payment due on or before the Due 
Date, then in the next Billing 
Period, we will apply your partial 
payment as of the first day of that 
next Billing Period. 

• If you lose your Grace Period, 
you may earn it back by paying 
the entire "New Balance" listed on 
any subsequent Bill. Once you 
have paid the New Balance on 
your Bill in full on or before its Due 
Date, you will receive a Grace 
Period for any Purchases made in 
the next Billing Period (subject to 
loss as set forth above). Note: in 
this section, the "next" Billing 
Period means the Billing Period 
which started immediately 
following the Billing Period for 
which you paid your Bill in full on 
or before the Due Date, which Due 
Date falls in the Billing Period 
identified in this section as the 
"next" Billing Period. 

Application of Payments 

If you make more than the 
minimum payment when due, the 
excess above the minimum 
payment is applied to balances 
with the highest APRs first. 

You may request a refund of credit 
balances at any time. 

We may apply the amount of your 
payment less 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 
higher Interest Charges. 
If no refund is requested, we will 
apply credit balances to new 
transactions, unless prohibited by 
law. 

Credit Balances 

INTEREST CHARGES 

CALCULATION 
We calculate the Daily 
Balance for each day 

We calculate the Average 
Daily Balance 
We calculate the Interest 
Charges for each balance 

We add the Interest 
Charged to the Account 

We add the Minimum 
Interest Charge 

HOW WE DO THIS 
by taking the beginning balance for each type of transaction each day, adding 
any new transactions and any accrued but unpaid interest for the prior day, 
and then subtracting any payments and/or credits and other adjustments. We 
treat any daily balance that is a credit balance as a zero balance. 
by adding all of the Daily Balances for each day in the billing period and then 
dividing by the total number of days in the billing period. 
by applying the daily periodic rate (DPR) for that balance to the "average daily 
balance" for that balance. We multiply the result by the number of days in the 
billing cycle. That gives us the total Interest Charges for that balance for that 
billing period. 
by adding the Interest Charges to the balance to which it applies (for example, 
we add Interest Charges on the Purchases balance to the Purchases 
balance). Cash Advance, Overdraft Protection Transfer, and convenience 
check fees are added to the Cash Advance balance and Balance Transfer 
fees are added to the Balance Transfer balances, as applicable, and all other 
fees are added to the Purchases balance. 
by adding the amount set forth in the Rates and Fees table to one or more of 
the categories of transactions in which there are balances. We apply the 
Minimum Interest Charge for any month where Interest Charges are due but 
are calculated as less than the Minimum Interest Charge. 

FEES AND OTHER ACTIONS 
There may be times when circumstances result in a fee or other action being assessed on the Account. 
The Rates and Fees Table lists the amounts of these fees. All such fees will be added to the Purchase 
balance, unless otherwise indicated. Additional fees for special services you request may apply. You will 
be advised of the amount of such fees at the time of your request. 

TO AVOID 
Collections 

ACTIONS YOU MUST TAKE 
Do not default. 

FAQ 

WHAT YOU MUST DO 

My Card is lost or stolen, or my 
Account has been compromised? 

Contact us immediately and stop 
using your Account. Contact us at 
the address or telephone number 

WHAT WE WILL CHARGE YOU 
If the Account is in default, we 
may take the actions described 
above in the Default section under 
Important Definitions, above. 

HOW IT AFFECTS THE 
ACCOUNT 
You will not be liable for any 
unauthorized use that occurs after 
you notify us. You may, however, 
be liable for unauthorized use that 

 
My Account is closed or 
suspended? 
My name, address, telephone 
number of other information has 
changed. 

listed on your billing statement or 
Card. 

You must still repay all amounts 
you owe under this Agreement. 
Notify us of any change. 

occurs before your notice to us. In 
any case, your liability will not 
exceed $50. 
You remain responsible for your 
balance. 
We may also ask you to provide 
us updated financial information 
about you, and you agree to do 
so. 

ARBITRATION AND WAIVER OF JURY TRIAL RIGHTS 

This Arbitration Provision will not apply to new accounts opened on or after October 3, 2017 by 
Covered Borrowers as such term "Covered Borrower" is defined by the Military Lending Act, 10 
U.S.C. 987 e. seq. and its implementing regulations. 

Arbitration Provision. This Arbitration Provision sets forth the circumstances and procedures under which 
a Claim or Claims (as defined below) may be arbitrated instead of litigated in court. This Arbitration 
Provision supersedes and replaces any existing arbitration provision between you and us. This 
Arbitration Provision will apply to the Account(s) unless you notify us in writing that you reject 
the Arbitration Provision within 60 days of opening the Account(s). Send your rejection notice to 
KeyBank N.A., PO Box 93752, Cleveland, Ohio 44101-5752. Your notice must be legible and 
include your name, the names of any joint account holders and the account number(s), the last 
four digits of your card number, the date of your notice, your address (street, city, state and zip 
code), your daytime telephone number, and must be signed by at least one of the joint account 
holders. Your rejection notice should not include any other correspondence. Calling us to reject 
the Arbitration Provision or providing notice by any other manner or format than as described 
above will not operate as a rejection of this Arbitration Provision and consequently this 
Arbitration Provision will become part of this Agreement. Rejection of this Arbitration Provision 
does not serve as a rejection of any other term or condition of the Agreement with us governing 
your Account(s). 

As used in this Arbitration Provision, the word "Claim" means any claim, dispute, or controversy between 
you and us arising from or relating to this Agreement or the Account(s), including without limitation, the 
validity, enforceability, or scope of this Arbitration Provision or this Agreement. "Claim" or "Claims" 
include claims of every kind and nature, whether pre-existing, present or future, including without 
limitation, initial claims, counterclaims, cross-claims, and third-party claims, and claims based upon 
contract, tort, fraud, and other intentional torts, constitutions, statutes, regulation, common law, and 
equity (including, without limitation, any claim for injunctive or declaratory relief). The word "Claim" or 
"Claims" is to be given the broadest possible meaning and includes, by way of example, and without 
limitation, any claim, dispute, or controversy that arises from or relates to (a) any Account subject to the 
terms of this Agreement (b) any electronic funds transfer from or to any account (c) advertisements, 
promotions, or oral and written statements related to this Agreement or the Account, (d) your application 
for the Account; and (e) the collection of amounts owed by you to us. 

This Arbitration Provision will not apply to Claims previously asserted, or which are later asserted, in 
lawsuits filed before the effective date of this Arbitration Provision or any prior arbitration provisions 
between you and us, whichever is earlier. However, this Arbitration Provision will apply to all other 
Claims, even if the facts and circumstances giving rise to the Claims existed before the effective date of 
this Arbitration Provision. 

Any Claim shall be resolved, upon the election of you or us, by binding arbitration pursuant to this 
Arbitration Provision and the applicable rules of either the American Arbitration Association or 
J.A.M.S/Endispute in effect at the time the Claim is filed (the "Arbitration Rules"). You may select one of 
these organizations to serve as the arbitration administrator if you initiate an arbitration against us or if 
either you or we compel arbitration of a Claim that the other party has brought in court. In addition, if we 
intend to initiate an arbitration against you, we will notify you in writing and give you twenty (20) days to 
select one of these organizations to serve as the arbitration administrator. If you fail to select an 

 
administrator within that twenty (20)-day period, we will select one. In all cases, the arbitrator(s) should 
be a lawyer with more than ten (10) years of experience or a retired judge. If for any reason the selected 
organization is unable or unwilling or ceases to serve as the arbitration administrator, you will have 
twenty (20) days to select a different administrator from the above list; if you fail to select a different 
administrator within the twenty (20)-day period, we will select one. In all cases, a party who has asserted 
a Claim in a lawsuit in court may elect arbitration with respect to any Claim(s) subsequently asserted in 
that lawsuit by any other party or parties. 

IF ARBITRATION IS CHOSEN BY ANY PARTY WITH RESPECT TO A CLAIM, NEITHER YOU NOR 
WE WILL HAVE THE RIGHT TO LITIGATE THAT CLAIM IN COURT OR HAVE A JURY TRIAL ON 
THAT CLAIM, OR TO ENGAGE IN PRE-ARBITRATION DISCOVERY EXCEPT AS PROVIDED FOR IN 
THE APPLICABLE ARBITRATION RULES. FURTHER, YOU WILL NOT HAVE THE RIGHT TO 
PARTICPATE AS A REPRESENTATIVE OR MEMBER OF ANY CLASS OF CLAIMANTS 
PERTAINING TO ANY CLAIM SUBJECT TO ARBITRATION EXCEPT AS SET FORTH BELOW. THE 
ARBITRATOR'S DECISION WILL BE FINAL AND BINDING. YOU UNDERSTAND THAT OTHER 
RIGHTS THAT YOU WOULD HAVE IF YOU WENT TO COURT MAY ALSO NOT BE AVAILABLE IN 
ARBITRATION. THE FEES CHARGED BY THE ARBITRATION ADMINISTRATOR MAY BE 
GREATER THAN THE FEES CHARGED BY A COURT. 

There shall be no authority for any Claims to be arbitrated on a class action or private attorney general 
basis. Furthermore, arbitration can only decide your or our Claim(s) and may not consolidate or join the 
claims of other persons that may have similar claims. There shall be no pre-arbitration discovery except 
as provided for in the applicable Arbitration Rules. Any arbitration hearing that you attend shall take place 
in the federal judicial district of your residence. At your written request, we will pay all fees charged by the 
arbitration administrator for any Claim(s) asserted by you in the arbitration, after you have paid an 
amount equivalent to the fee, if any, for filing such Claim(s) in state or federal court (whichever is less) in 
the judicial district in which you reside. (If you have already paid a filing fee for asserting the Claim(s) in 
court, you will not be required to pay that amount again.) If the arbitrator issues an award in our favor, 
you will not be required to reimburse us for any of the fees we have previously paid to the administrator 
or for which we are responsible. Each party shall bear the expense of that party's attorneys', experts', 
and witness fees, regardless of which party prevails in the arbitration, unless applicable law and/or this 
Agreement gives you the right to recover any of those fees from us. In the event you do not prevail in the 
arbitration, we will not seek to recover our attorneys', experts' or witness fees from you. This Arbitration 
Provision is made pursuant to a transaction involving interstate commerce, and shall be governed by the 
Federal Arbitration Act ("FAA"), 9 U.S.C. Sections 1 et. seq. The arbitrator shall apply applicable 
substantive law consistent with the FAA and applicable statutes of limitations and shall honor claims of 
privilege recognized at law, and at the timely request of any party, shall provide a brief written 
explanation of the basis for the award. In conducting the arbitration proceeding, the arbitrator shall not 
apply the federal or any state rules of civil procedure or rules of evidence. Judgment upon the award 
rendered by the arbitrator may be entered in any court having jurisdiction. The arbitrator's decision will be 
final and binding, except for any right of appeal provided by the FAA and except that, if the amount in 
controversy exceeds $10,000.00 any party can appeal to a three-arbitrator panel administered by the 
arbitration administrator which shall reconsider de novo (i.e. without regard to the original arbitrator's 
findings) any aspect of the initial award requested by the appealing party. The decision of the panel shall 
be by majority vote. The costs of such an appeal will be borne by the appealing party regardless of the 
outcome of the appeal. 

This Arbitration Provision shall survive termination of all Accounts subject to this Agreement. If any 
portion of this Arbitration Provision is deemed invalid or unenforceable under any law or statute consisted 
with the FAA, it shall not invalidate the remaining portions of this Arbitration Provision or the Agreement. 
In the event of a conflict or inconsistency between the applicable Arbitration Rules and this Arbitration 
Provision, this Arbitration Provision shall govern. 

Contacting Arbitration Administrators 

If you have a question about the arbitration administrators mentioned in this Arbitration Provision or 
would like to obtain a copy of their Arbitration Rules or fee schedules, you can contact them as 
follows: American Arbitration Association, 1633 Broadway, 10th Floor, New York, New York 10019, 
www.adr.org, (800) 778-7879. Commercial or Consumer Rules, J.A.M.S./Endispute, 222 South 

Riverside Plaza, Suite 1850, Chicago, IL 60606; www.jamsadr.com (800) 352-5267, Financial Services 
Arbitration Rules and Procedures. 

OTHER TERMS OF THE RELATIONSHIP 
Communications 

We may send Cards, statements, and other communications to you at any 
mailing or email address in our records. By providing a telephone number for 
a cellular telephone, other wireless device, or a landline number that was 
later converted to a wireless device, you are expressly consenting to 
receiving communications at that number, including, but not limited to, 
prerecorded or artificial voice message calls, text messages, and calls made 
by an automatic telephone dialing system from KeyBank and its affiliates and 
agents. This express consent applies to each such telephone number that 
you provide to us now or in the future and permits such calls regardless of 
their purpose. These calls and messages may incur access fees from your 
cellular provider. 

We may also send an email to any address where we reasonably believe we 
can contact you. Some of the legal purposes for calls and messages include: 
suspected fraud or identity theft, obtaining information; transaction on or 
servicing of the Account; collecting on the Account, and providing you 
information about product and services. Notify us immediately of any 
changes to your contact information using the address or phone number 
shown on your billing statement. 

We may listen to and record your telephone calls with us. 
We may obtain and review your credit history from credit reporting agencies 
and others, including in connection with the servicing and collection of your 
Account. We may also provide information about your Account to credit 
reporting agencies and others. We may provide information to credit 
reporting agencies about this Account in the name of an authorized user. If 
you think we provided incorrect information, write to us at the address 
provided on your billing statement and we will investigate. 
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. 
This Agreement and the Account will be governed by federal law, and to the 
extent state law is applicable, the laws of the state of Ohio, and these laws 
will apply no matter where you live or use this Account. 
We may change or terminate all or any part of this Agreement, including 
APRs and fees, at any time. We may also add new terms or delete terms. 
Any changes will be in accordance with applicable law, and we will provide 
notice as required by law. 
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. 
Except as specifically provided in the arbitration section above, if any 
provision of this Agreement is finally determined to be void or unenforceable 
under any law, rule or regulation, all other provisions of this Agreement will 
remain valid and enforceable. 
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 

Telephone Monitoring 
Credit Information 

Enforcement 

Applicable Law 

Amendments 

Assignment 

Severability 

Restrictions on Use 

 
presenting a high risk of fraud. Please call 1-877-634-2968 for the current list 
of countries where transactions are restricted. 

YOUR BILLING RIGHTS - Keep this document for future use 

This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act. 

What to Do If You Find A Mistake On Your Statement 

If you think there is an error on your statement, write us at the address shown on your billing statement. 
In your letter, give us the following information. 

•  Account information: Your name and account number. 
•  Dollar amount: The dollar amount of the suspected error. 
•  Description of the problem: If you think there is an error on your bill, describe what you believe is 

wrong and why you believe it is a mistake. 

You must contact us: 

•  Within 60 days after the error appeared on your statement. 
•  At least 3 business days before an automated payment is scheduled, if you want to stop payment on 

the amount you think is wrong. 

You must notify us of any potential errors in writing, You may call us, but if you do we are not required to 
investigate any potential errors and you may have to pay the amount in question. 

What Will Happen After We Receive Your Letter 

When we receive your letter, we must do two things: 

1.  Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have already 

corrected the error. 

2.  Within 90 days of receiving your letter, we must either correct the error or explain to you why we 

believe the bill is correct. 

While we investigate whether or not there has been an error: 
•  We cannot try to collect the amount in question, or report you as delinquent on that amount. 
•  The charge in question may remain on your statement, and we may continue to charge you interest 

on that amount. 

•  While you do not have to pay the amount in question, you are responsible for the remainder of your 

balance. 

•  We can apply any unpaid amount against your credit limit. 
After we finish our investigation, one of two things will happen: 
• 

• 

If we made a mistake: You will not have to pay the amount in question or any interest or other fees 
related to that amount. 
If we do not believe there was a mistake: You have to pay the amount in question, along with 
applicable interest and fees. We will send you a statement of the amount you owe and the date 
payment is due. We may then report you as delinquent if you do not pay the amount we think you 
owe. 

If you receive our explanation but still believe your bill is wrong, you must write to us within 10 
days telling us that you still refuse to pay. If you do so, we cannot report you as delinquent without also 
reporting you are questioning your bill. We must tell you the name of anyone to whom we reported you 
as delinquent, and we must let those organizations know when the matter has been settled between us. 

If we do not follow all of these rules above, you do not have to pay the first $50 of the amount you 
question even if your bill is correct. 

Your Rights If You Are Dissatisfied With Your Credit Card Purchases 

If you are dissatisfied with the goods or services that you have purchased with your credit card, and you 
have tried in good faith to correct the problem with the merchant, you may have the right not to pay the 
remaining amount due on the purchase. 

To use this right, all of the following must be true: 

 
1.  The purchase must have been made in your home state or within 100 miles of your current mailing 
address, and the purchase price must have been more than $50. (Note: Neither of these are 
necessary if your purchase was based on an advertisement we mailed to you, or if we own the 
company that sold the good or services.) 

2.  You must have used your credit card for the purchase. Purchases made with cash advances from 

an ATM or with a check that accesses your credit card account do not qualify. 

3.  You must not yet have fully paid for the purchase. 
If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at 
the address shown on your billing statement. 

While we investigate, the same rules apply to the disputed amount as discussed above. After we finish 
our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do 
not pay, we may report you as delinquent. 

Additional Disclosures for Residents of Specific States 

Ohio Residents: The Ohio laws against discrimination require that all creditors make credit equally 
available to all credit worthy customers and that credit reporting agencies maintain separate credit 
histories on each individual upon request. The Ohio Civil Rights Commission administers compliance 
with this law. 

New York and Maine Residents: You agree to give us permission to obtain one or more credit reports 
from consumer reporting agencies in connection with the application, any transaction or extension of 
credit that may result from this application, and on an ongoing basis, for the purposes of performing a 
routine and occasional verification of credit on the Account, taking collection action on the Account, or for 
any other legitimate purposes associated with the Account. Upon your request, you will be informed of 
whether or not a consumer credit report was ordered, and if it was, you will be given the name and 
address of the consumer reporting agency that furnished the report. 

New York Residents: New York residents may contact the New York State Department of Financial 
Services by telephone at 1-800-342-3736 or visit its website (www.dfs.ny.gov/consumer/creditdebt.htm) 
for free information on comparative credit card rates, fees. 

Vermont Residents: By signing below you consent to KeyBank obtaining and verifying information 
about you (which may include a consumer credit report) that we deem necessary in evaluating your loan 
application, including information about your employment, banking, and credit relationships. If your 
application is approved and the loan is made, you also authorize us to obtain additional credit reports or 
other information about you in connection with reviewing the account, increasing the credit line on the 
account, for the purpose of taking collection action on the account, or for other legitimate purposes 
associated with the account. 

Utah Residents: As required by Utah law, you are hereby notified that a negative credit report reflecting 
on your credit record may be submitted to a credit reporting agency if you fail to fulfill the terms of your 
credit obligations. 

Key Private Bank Mastercard® Credit Card 
As of May 5, 2020 

Interest Rates and Interest Charges 

Annual Percentage Rate (APR) for Purchases 

00.00 % Introductory APR for the 
first 6 monthly billing cycles. After that, your APR 
will be 11.99 %. This APR will vary with the 
market based on Prime Rate. 

 
APR for Cash Advances 

APR for Balance Transfers 

Paying Interest 

Minimum Interest Charge 

For Credit Card Tips from the Consumer Financial 
Protection Bureau 

23.99 %.This APR will vary with the market based 
on Prime Rate. 

00.00 % Introductory APR for the first 6 monthly 
billing cycles following account opening when 
balance is transferred within the first 60 days 
following account opening. After that, your APR will 
be 11.99 %. This APR will vary with the market 
based on Prime Rate. 

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. 

If you are charged interest, the charge will be no 
less than $00.50 

. 

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://www.consumerfinance.gov/learnmore 

Annual Fee 

Transaction Fees: 

Balance Transfer Fee 

Cash Advance Fee 

Convenience Check Advance Fee 

Cash Equivalent Fee 

Fees 

$195.00 ($100.00 for each additional card 
added to the account) 

Either $10.00 or 3% or of the amount of each 
transaction, whichever is greater. 

Either $10.00 or 4% of the amount of each 
transaction, whichever is greater. 

Either $10.00 or 3% of the amount of each 
transaction, whichever is greater. 

Either $10.00 or 4% of the amount of each 
transaction, whichever is greater. 

Overdraft Protection Transfer Fee 

$00.00 

How We Calculate Your Balance: We use a method called the average daily balance method (including 
new purchases). 

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is 
provided in your Cardmember Agreement. 

Loss of Introductory APR: If you make a late payment, we may end offering you a lower introductory 
APR and begin charging you the higher APR (for both Purchases and Balance Transfers) that is specified 
in the table above and scheduled to take effect after the introductory APR is no longer effective. 

 
 
KeyBank Rewards® Program Terms and Conditions 

These terms and conditions (the "Program Rules") are provided by KeyBank National Association ("KeyBank") to govern the use 
of the KeyBank Rewards® Program (the "Program"). Services provided by the KeyBank Rewards Program are additionally 
governed by any other separate agreement(s) Customer may have with KeyBank, and any amendments or changes made to these 
Program Rules. 

By enrolling in the Program, Customer agrees to be bound by these Program Rules. From time to time we may change the Program 
Rules. When any change is made, we will post revisions at our website and/or we will notify you in writing, as applicable. It is your 
responsibility to review the Program Rules to be aware of any changes. Your continued participation or failure to terminate your 
participation in the Program will evidence your acceptance of the changes and your agreement to be bound by them. 

"Customer," "you" or "your" shall mean the person, persons or entities in whose name the Rewards Account is carried on the books 
of KeyBank and shall include the masculine and feminine genders and the plural as well as the singular wherever the context so 
permits. "Us," "our" and "we" shall mean collectively KeyBank and all of its affiliates and subsidiaries. "Consumer" means an 
individual non-business Customer and a "Business" means a business Customer. Notices and other communications to a Business 
Customer will be made to the Business. 

I. Reward Programs 

Under the Program, you may earn and use points ("Rewards Point(s)") to obtain a variety of rewards ("Rewards") including 
merchandise, gift cards, travel rewards, cash back and domestic U.S. air travel rewards as full payment for goods or services 
available through us. You may earn Rewards Points as set forth in Section III below. 

The only products eligible for this Program are credit cards as defined in Section II.2. 

If you are enrolled in the Program, you will have a rewards account ("Rewards Account") as further described in Section IV.1. 

II. Enrollment & Access to Rewards Account. 

1. Generally. To receive benefits under the Program, enrollment is necessary. Once a product is enrolled, all Signers of such 
product are automatically enrolled into the Program. 

2. Enrollment. Enrollment enables Rewards Points to begin accruing relative to an Enrolled Product and/or an Enrolled Signer. 

a. Eligible Credit Card Accounts. All Signers on a credit card issued by KeyBank on or after May 24, 2013, and bearing a 
plastic number with the first 6 digits of 524924, 519945, 552356, or 519731, (herein an "Eligible Credit Card"), are 
automatically enrolled in the Rewards Program and the Eligible Credit Card is also automatically enrolled. From time to time 
KeyBank may determine that other credit card accounts, which it has acquired or which it may hereafter acquire, are eligible 
to join the Program, subject to additional terms and conditions. Once enrolled, an Eligible Credit Card may be referred to as 
either and Enrolled Credit Card specifically or an Enrolled Product generally. 
b. Conversion Credit Card Accounts. Key has converted, and will from time to time convert various credit card portfolios 
to KeyBank's Rewards Program all as set forth in Section II of Schedule II.2 (herein the "Conversion Accounts"). All 
Conversion Accounts will both be a subset of Eligible Credit Cards and unless specifically designated otherwise, will have 
the same terms and conditions of all other Eligible Credit Cards. 

3. Access. You may access your Rewards Account by the following methods, subject to the limitations set forth below. 

a. Electronic access. You must be enrolled in Key's electronic online banking which is known as Online Banking for consumer 
customer access and KeyBank Business Online for business customers. For information on how to access KeyBank's Online 
Banking or KeyBank Business Online website, and enroll if you are not yet enrolled, please visit www.key.com. Once you have 
entered Key's Online Banking website or KeyBank Business Online, you can click on the rewards link to access your Rewards 
Account which will take you to KeyBank's rewards website (herein referred to as the "Rewards Website"). The only way to 
electronically access the Rewards Website is through the Online Banking or KeyBank Business Online websites. 
b. Telephone access. You may redeem Rewards Points by calling us at the number on the back of your Credit Card. 
c. Limitations. 

i. For certain Conversion Accounts, until your Credit Account has been issued new Credit Cards with multi-card 
functionality, only the Primary Signer on the Credit Card will have the ability to access the Rewards Website 
electronically and all other Signers of such Credit Card Account will need to access the Rewards Website through 
telephonic access. Once your Credit Card Account has been provided multi-card functionality, all Signers will be able 
to access the Rewards Website through electronic access. 
ii. For all Business Credit Card Accounts that use KeyBank Business Online to access their Credit Card Account, only 
the Primary Signer, and if applicable the administrator designated pursuant to Section II.4.a.ii below, will be able to 
sign into the Rewards Website. 

4. Signers and Primary Signers. A "Signer" always refers to an individual and not to an entity, organization, trust or other 
business. Signers for Enrolled Products are further defined as follows: 

a. Signer on an Eligible Credit Card Account. A Signer is an individual who is obligated to repay the outstanding amount 
under an Eligible Credit Card. A Signer includes a borrower, co-borrower or guarantor of the Eligible Credit Card. 
Additionally, if the Eligible Credit Card is a business credit card for which the business is the obligor, then signer shall also 
include (i) the individual who is the legal representative of the business who applied for the business to receive the Eligible 
Credit Card and/or (ii) an administrative person the Business has designated to manage the Rewards Account including 
viewing and redeeming Points earned by the business. Additionally, a Signer may be a person designated on KeyBank's 
systems, books or records as being a Signer. An authorized user of an Eligible Credit Card who is not a Signer as defined in 

 
 
 
this subsection is not a Signer for the purposes of this Agreement or the Program. 
b. Primary Signer. For an Eligible Credit Card, the Primary Signer will be the borrower, and all co-borrowers and/or 
guarantors will be considered other Signers. 

III. Earning Points. 

1. Generally. If you are in the Program you may earn Reward Points associated with your Enrolled Products. 

a. Rewards Points associated with an Eligible Credit Card Account may be earned as set forth herein. 
b. Transactions of authorized users of Enrolled Products may earn Rewards Points subject to the limitations set forth in this 
Section III; however, such an authorized user will not be able to view or redeem Rewards Points as set forth in Section IV. 

2. Guide. KeyBank publishes guides to set forth qualification criteria for earning Rewards Points for particular transactions and 
events. The KeyBank Rewards Points Guide includes information concerning Activity and Bonus Points and general Rewards 
Points, applicability to enrolled Eligible Credit Cards, and further qualification and earn rates as specified therein (hereinafter 
referred to as the "Guide"). The Guide is specifically incorporated into and made a part of the Program Rules and may be modified 
by KeyBank at any time. The Guide is available at www.key.com under the Rewards tab. KeyBank reserves the right, in its sole 
discretion to determine (1) whether any product or service is a product eligible to earn Rewards Points, (2) whether any transaction, 
product or service is eligible to earn Activity and Bonus Points (defined below), and (3) whether to provide any product or service to 
any person or Customer. Important additional information regarding Activity and Bonus Event types, qualifications, and amount of 
points earned, is contained in the Guide. Different Activity and Bonus Events may apply for Consumer and Business Customers, 
and for Customers in KeyBank's Private Bank. Activity and Bonus Points may be earned for single transactions and for recurring 
activity, and are subject to monthly caps. Please refer to the Guide for details. 

3. Net Purchases.The term “Net Purchases” is defined as the dollar value of goods and services purchased with an Eligible Credit 
Card, after the enrollment date, minus (a) any credits, returns, unauthorized charges, or other adjustments, as reflected on the 
monthly statements, and (b) the value of all Excluded Transactions. For the avoidance of doubt, “Net Purchases” shall also exclude 
all annual membership fees, late payment fees, over-limit fees, insurance charges, finance charges, and any other card-related 
service fees or charges. 

4. 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, for Business Customers that also have an 
Eligible Checking Account with KeyBank, (regardless of enrollment status), KeyBank will provide Rewards Points to a Signer on an 
Eligible Credit Card, upon opening of such Eligible Credit Card, so long as the qualification criteria in the Guide are met. 

5. Bonus Offers and Incentives. From time to time KeyBank may provide offers to Signers to (i) earn additional Rewards Points for 
shopping at a particular retailer, or (ii) use Rewards Points to purchase a particular retailer's gift card at a discounted amount (herein 
collectively referred to as the "Bonus Offer(s)"). These Bonus Offers may be presented to Signers by KeyBank through various 
venues, including without limitation, through KeyBank's Online Banking site, KeyBank's Rewards Website, or e-mail. Signers will be 
able to turn off viewing of these offers in Online Banking and the Rewards website by following the instructions set forth on the 
website. Additionally, Signers will be able to unsubscribe from the Bonus Offer e-mails by following the unsubscribe directions in any 
such Bonus Offer e-mails. Once a Signer has accepted a Bonus Offer to earn Rewards Points by shopping at a particular retailer, 
then the transactions of any Signer or authorized user of the account for which the Bonus Offer was accepted will be used to 
determine whether the criteria have been met to earn the additional Rewards Points set forth in the Bonus Offer. Authorized users 
will not be presented Bonus Offers. 

6. Excluded Transactions. Excluded Transactions will not be included in the Reward Point calculation. The term Excluded 
Transactions is defined as and includes: ATM cash disbursements, manual financial institution cash advances, KeyBank's Cash 
Reserve Credit transactions, person-to-person money transfers, a quasi cash transaction including the purchase of traveler's 
checks, foreign currency, money orders or convenience checks, gaming transactions, balance transfers, annual membership fees, 
point-of-sale cash back transactions greater than the purchase amount, returned checks, and any credit, return or other adjustment 
to your Enrolled Product. If you are enrolled in the Rewards Program, the term "Excluded Transactions" as defined above will apply 
to the Reward Point calculation for transactions made using your Enrolled Product. 
IV. Rewards Account and Point Redemption 
1. Rewards Account Generally. Each Enrolled Product will have an associated internal rewards account established by KeyBank 
to track the Rewards Points earned under the Program. If you are a Signer on an Enrolled Product you will have a rewards account 
("Rewards Account"), which is a pass-through account that allows access to the Rewards Points earned relative to any Enrolled 
Product for which you are a Signer (as set forth in Section II above). Your Rewards Account number will be available online and 
elsewhere as determined by KeyBank from time to time. Your Rewards Account will allow you to view the available point balance 
relating to any Enrolled Product for which you are a Signer. The available point balance is an aggregation of Rewards Points 
available to any Signer, subject to certain exceptions, on an Enrolled Product for activities and behaviors engaged in by the Signers 
of such accounts as set forth in Section III entitled "Earning Points". You shall have no interest in or rights to the Rewards Account 
except as provided in these Program Rules, and the Rewards Account cannot be assigned or transferred by you. Any assignment or 
transfer of the Rewards Account is null and void. 

2. Rewards Account Mechanics. Your Rewards Account will allow you to view all of the Rewards Points which have been earned 
relative to any Enrolled Product for which you are a Signer. You will be able to redeem any and all Rewards Points viewable in your 
Rewards Account. An authorized user of an Enrolled Product will not be able to view or redeem Rewards Points. However, activity 
of other Signers, who also may view and redeem from a common available point balance for which you both are Signers, may 
reduce the availability of Rewards Points in your Rewards Account. All Signers on an Enrolled Product will be able to view and 
redeem all Rewards Points earned for the Enrolled Products. 

 
3. Redemption. Rewards Points must be redeemed by a Signer on an Enrolled Product. Except as specified in Section II.3 above, 
to redeem Rewards Points for rewards, log into KeyBank's Rewards Website, or contact us at the number on the back of your Credit 
Card. 

4. Reservation of Rights. KeyBank reserves the right, in its sole discretion, to change how Rewards Points are earned and 
allocated at any time. 

5. Contacting Key. As set forth in Section II.3 above, your available Rewards Points balance is available at KeyBank's Rewards 
Website, on KeyBank's Online Banking or KeyBank Business Online, as applicable, or by calling us at the number on the back of 
your Credit Card. Additionally, the Rewards Points balance for the Enrolled Credit Card is available on the credit card billing 
statement. Important information regarding the Rewards Program ("KeyBank Rewards Information") can be found 
at www.key.com/rewards. 

6. Redemption Allocation and Expiration. 

a. Expiration Generally. If unused, the Rewards Points carry a 4-year expiration limitation based on the date the Rewards 
Points were earned, and upon expiration all unused Rewards Points shall be forfeited immediately. 
b. Redemption Allocation. Rewards Points redeemed and/or expired, if applicable, will be based on a first-in, first-out 
process. 
c. For October 2013 Conversion Accounts and October 2014 Conversion Accounts, converted Rewards Points will retain 
the same expiration date as they had under your previous rewards program. For October 2016 Conversion Accounts, 
converted Rewards Points will receive a four year expiration period for such Rewards Points commencing as of October 10, 
2016. Notwithstanding the foregoing, Rewards Points earned with any of the following Eligible Credit Cards will not expire: 
Key Private Bank Mastercard Credit Card, Key Private Bank World Elite Mastercard Credit Card and KeyBank Select World 
Mastercard. 

7. Transferability. Rewards Points earned are not transferable, have no cash value and cannot under any circumstances be used 
as payment for any Customer account balance or any other liability or obligation you have to KeyBank. 

8. No Partial Awards. No partial awards will be issued upon redemption of Rewards Points. 

9. Value. Rewards Points and rewards have no value, are not refundable or exchangeable and cannot be used except in 
accordance with these Program Rules and applicable terms and conditions of rewards suppliers. 

10. Availability. Rewards Points are available after transactions are posted and based on the specifications set forth in the Guide. 

V. General Program Details 

1. Continuing Eligibility. Eligibility is limited to KeyBank's Customers, whose Enrolled Products are in good standing. You will only 
earn Rewards Points as long as KeyBank, in its sole discretion, determines that your Enrolled Products are acceptable to KeyBank 
and are eligible for participation in the Program. An ineligible account includes, without limitation, an account that is frozen, 
restricted, closed, terminated, cancelled, expired, inactive, dormant, has a legal status, or an account that is subject to litigation or 
any adverse (or conflicting) claim of any third party, or is otherwise unenrolled. 

2. Cancellation and Discontinuation. If you close your Credit Card, you will also be cancelling your enrollment in the Program, and 
all unused accrued Rewards Points and rewards must be redeemed within 30 days of cancellation (the "Redemption Grace Period") 
by calling the number on the back of your Credit Card. Any unused accrued Rewards Points or rewards not redeemed during the 
Redemption Grace Period will be forfeited. You may discontinue your participation in the Program at anytime without notice. 
KeyBank's cancellation, change or suspension of the Program may result in the forfeiture of earned points and a change in the 
redemption of any outstanding rewards. 
3. Reservation of Rights. The Program and benefits are offered at the sole discretion of KeyBank. KeyBank reserves the right to 
cancel, change or temporarily suspend the Program at any time without notice, including without limitation, to (a) terminate any 
Customer's or Signer's membership in the Program for any reason; (b) reduce or eliminate all Rewards Points earned (but not yet 
credited to your Rewards Account); (c) add to or modify the terms and conditions of these Program Rules, including, as to the 
Rewards Program and the Guides, additions or modifications to the number of Rewards Points earned for any activity, deletions or 
modifications to activities that earn Rewards Points, or modifications to qualifications for Activity and Bonus Events or Products; (d) 
discontinue KeyBank's participation in the Program; (e) terminate or modify its Program; (f) modify the formula to calculate Rewards 
Points earnings; and (g) in the event of any fraud or abuse of the Program privileges or violation of the Program Rules (including any 
attempt to sell, exchange or otherwise transfer Rewards Points or any instrument exchangeable for the Program). In regard to the 
Rewards Program, KeyBank reserves the right, in its sole discretion, to determine whether any transaction, product or service is 
eligible to earn Rewards Points, and whether to allow any person or Customer to undertake any transaction or to receive any 
product or service. 

4. Governing Law. These Program Rules and Program are governed by the laws of the State of Ohio, without regard to its conflicts 
of law principles. The Program is void where prohibited by federal, state or local law. 

5. Availability Limitations. Airline tickets, travel rewards packages, merchandise rewards, travel vouchers, gift certificates/gift 
cards and other rewards are subject to availability and certain restrictions and fulfillment fees apply. 

6. Signer Disputes. KeyBank is not responsible for, and has no duty, obligation or liability regarding any disputes between joint 
Signers of an Enrolled Product (or authorized users of a Credit Card) relating to Rewards Points ownership, accessibility and/or 
redemption rights under the Program. 

7. Liability. Every effort has been made to ensure that the information provided is accurate. KeyBank is not responsible for errors or 
omissions. 

 
8. Taxes. When you redeem Rewards Points for a reward, you and the merchant are responsible for compliance with all laws 
related to the reward, including the payment and collection of any federal, state, and local taxes. 

9. Travel Taxes and Fees. You are responsible for payment of any passenger facility charges, air segment taxes, departure taxes, 
customs fees, baggage charges, security taxes or any other charges assessed by governmental entities or airline company as a 
result of travel under the Program, as well as any shipping, courier, fulfillment or certificate fees associated with the Program. 

10. Correspondence/Mailing. KeyBank shall not be responsible for any correspondence by you that is lost or delayed in the mail. 
All travel tickets, travel packages, merchandise and other rewards will be sent to your address on file at KeyBank or otherwise in 
accordance with your instructions. Merchandise shipments cannot be made to a post office box. 

11. Finality. All questions regarding accrual of rewards or the fulfillment of rewards shall be resolved by KeyBank, and its decision 
will be final. All questions or disputes regarding use of gift certificates/gift cards shall be resolved by the supplier or issuer of the gift 
certificate/gift card by contacting customer service department disclosed with the certificate/card. 

12. Release. Should KeyBank decide to terminate the Program, and the acceptance and use of the Program, Customer 
hereby releases, discharges, and holds harmless KeyBank, Mastercard International Incorporated, doing business as 
Mastercard Worldwide, and its affiliates and subsidiaries, (collectively, called "Mastercard"), and their respective 
subsidiaries, affiliates, employees, officers, directors, successors and assigns from all claims, damages or liability 
including but not limited to physical injury or death, arising out of participation in the Program. 

13. Limitation of Liability. Neither KeyBank, Mastercard nor any other entity associated with the Program shall have any liability 
arising from, or related to, such rewards of the Program, except as expressly stated herein. If you are denied a benefit of the 
Program to which you are entitled, liability of KeyBank and Mastercard shall be limited to your earned portion of the benefit. In no 
event shall KeyBank or Mastercard be liable to you for any indirect, incidental, consequential, special or punitive damages arising 
from this Program or performance of any obligations hereunder, or any other action or omission by it, even if such party is informed 
or is otherwise aware or should be aware of the possibility or likelihood of such damages. KeyBank makes no warranty and hereby 
disclaims any and all representations or warranties, express or implied, regarding any subject matter contemplated by these 
Program Rules, including any implied warranty of merchantability or fitness for a particular purpose or implied warranties arising 
from the course of dealing or course of performance. 

14. Third Parties. Suppliers of goods and services are independent contractors and are neither agents nor employees of KeyBank, 
Mastercard, or any of their affiliates; or any group, organization, or entity endorsing a credit program by us. We neither offer, 
endorse, nor guarantee any of the goods, services, information, or recommendations provided by third parties to you in connection 
with the Program. 

15. Intellectual Property. The KeyBank name, Key mark design and logo are registered trademarks of KeyCorp, an Ohio 
corporation. Mastercard and World Mastercard are registered trademarks of Mastercard International Incorporated and are used by 
us pursuant to a license. All other company, product, and service names may be trademarks or service marks of others and their 
use does not imply endorsement or an association with this Program. 

VI. Airline, Hotel, Car Rental & Travel Packages 

1. You may redeem Rewards Points for travel related items such as airline tickets, hotel stays, car rentals and travel packages 
(herein "Travel Rewards"). You may redeem Rewards Points for Travel Rewards by selecting the "Travel" icon ("Travel Tool") on 
the KeyBank Rewards Website, or by calling the phone number listed on the back of your card. The Travel Tool has additional 
specific terms and conditions relating to the booking and use of Travel Rewards, which terms of use must be reviewed and 
accepted prior to each redemption of a Travel Reward. As the Travel Tool terms of use (also known as terms and conditions) 
may change more frequently than these KeyBank Rewards Program Terms and Conditions, you will be required to acknowledge 
your review and acceptance of the Travel Tool terms and conditions before completing a redemption of a Travel Reward. When you 
make a reservation using the Travel Tool, you will be subject to the rules of each company, agent or other entity supplying a Travel 
Reward (herein a "Supplier"). Each Supplier sets its own rules as to booking, cancellations, changes and refunds, including any 
fees relating to same. Supplier fees (such as for booking cancellation, changes or refunds) may be required to be paid via credit 
card, or other another payment medium selected by Supplier. You must carefully read the rules of each Supplier before booking as 
certain Suppliers may not permit cancellations, changes or refunds. Additionally, any redemption of a Travel Reward is also 
governed by these general KeyBank Rewards Program Terms and Conditions. In the event of a conflict, the Travel Tool terms and 
conditions will control the governance of a transaction involving Travel Rewards. 
2. Prohibited Use. As a condition of your use of the Travel Tool and/or KeyBank's Rewards Website, you warrant that you will not 
use the Travel Tool or KeyBank's Rewards Website for any purpose that is unlawful or prohibited by these terms, conditions, and 
notices. 

3. KeyBank is not responsible for products or services offered by other companies. 

VII. Merchandise 

1. KeyBank may make substitutions of equal or greater value when necessary without notification. 

2. Merchandise rewards include all taxes, standard shipping, handling and delivery charged. Merchandise cannot be shipped to 
P.O., APO, or FPO boxes, or outside the contiguous United States. 

3. Returns are only accepted for merchandise that is damaged, defective, or incorrectly shipped. You must notify us within 48 hours 
of delivery to start a return. Applicable items must be returned, in the original packaging, within 30 days from receipt of delivery for 
credit to your Rewards Account or shipment of replacement item(s). 

4. Delivery of merchandise will be made by ground delivery service-signature required or first-class mail. Please allow four to six 
weeks from time of order. 

5. Any additional shipping costs will be your responsibility and will be charged to the Eligible Credit Card. 

VIII. Gift Certificates/Gift Cards 

1. Gift certificates/gift cards have no value except when used in accordance with these Program Rules and applicable terms and 
conditions of participating suppliers or card issuers. 

2. Gift certificates/gift cards must be surrendered at redemption, are not refundable, exchangeable, unless required by applicable 
law. Gift certificates/gift cards cannot be used against Customer's outstanding credit account balances. Gift certificates/gift cards 
may not be resold. 

3. KeyBank may make substitutions of equal or greater value when necessary. 

4. KeyBank and participating suppliers are not responsible for replacing lost, stolen or expired gift certificates/gift cards. 

5. Gift certificates/gift cards use is subject to the terms and conditions printed thereon. 

6. Gift certificates/gift cards are valid only at participating suppliers through the expiration date printed on the gift certificate/gift card. 

7. Delivery of gift certificate/gift card will be made by ground delivery service-signature required or first-class mail or email. Please 
allow three to four weeks from time of order for direct mail. Expedited or insured delivery may be available on request. If you elect 
expedited, express, or international shipping, additional fees may apply. 

8. Gift certificates/gift cards may not be combined with any other promotional offers from KeyBank or participating suppliers. 

9. In the event the goods and services purchased are less than the face value of the gift certificate/gift card redeemed, the policy of 
the supplier will determine whether credit or gift certificate/gift card value for the difference will be given. 

10. Gift certificates/gift cards as rewards are void where prohibited by law. 

11. Issuers of gift certificates/gift cards are solely responsible for compliance with any legal or regulatory requirements governing gift 
certificates/gift cards. 

IX. Cash Back 

1. You may redeem Rewards Points for cash back to be applied to your Enrolled Credit Card. You may elect to redeem your 
Rewards Points either as a statement credit to your Account or as an electronic deposit into any eligible checking or savings 
account at KeyBank. A statement credit will reduce your Account balance. Statement credits appear on your billing statement as an 
adjustment and not as a payment, so you must continue to pay your minimum payment due each month. Receipt of a statement 
credit does not affect your responsibility to pay your minimum payment, as shown on your billing statement. 

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 
IX. 

3. Cash Back will post to the account you selected within 5-7 business days from the date of redemption and will appear on your 
monthly 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. 

I. KeyBank Original Origination Credit Cards 

Schedule II.2 

A. 

B. 

Consumer. Any Credit Card issued by KeyBank on or after May 24, 2013, and bearing a plastic number with the first 6 
digits of 524924, 519945, 552356, and bearing the name KeyBank Key2More Rewards Mastercard Credit Card, Key Private 
Bank Mastercard Credit Card and KeyBank Platinum Mastercard Credit Card 

Business. Any Credit Card issued by KeyBank on or after May 24, 2013, and bearing a plastic number with the first 6 digits 
of 519731 including KeyBank Business Rewards Mastercard Credit Card 

II. KeyBank Conversion Credit Cards. All of the credit card Accounts listed in this Section II shall be deemed a Conversion 
Account. 

A. 

October 2013 Conversion Accounts. Effective October 4, 2013 the following credit cards were converted from a separate 
rewards program into the KeyBank Rewards Program (herein collectively referred to as the "October 2013 Conversion 
Accounts"): 
(1) KeyBank World Mastercard with Rewards 
(2) KeyBank Mastercard with Rewards 
(3) Key Private Bank World Elite Mastercard 
(4) Key Private Bank World Mastercard 
(5) KeyBank Business Travel Rewards Mastercard 
(6) KeyBank Business Rewards Mastercard bearing a plastic number with the first 6 digits of 547538 
(7) KeyBank Key2More Rewards Mastercard bearing a plastic number with the first 6 digits of 548029, 552373 or 548853 

B. 

October 2014 Conversion Accounts. Effective October, 2014 the following credit cards were converted from a separate 
rewards program into the KeyBank Rewards Program(herein collectively referred to as the "October 2014 Conversion 

 
 
 
Accounts"): 
(1) KeyBank Platinum Mastercard with Rewards bearing a plastic number with the first 6 digits of 521515 
(2) KeyBank Select World Mastercard bearing a plastic number with the first 6 digits of 552470 
(3) KeyBank Business Mastercard with Rewards bearing a plastic number with the first 6 digits of 519726 or 519727 

C. 

October 2016 Conversion Accounts. Effective October 10, 2016, the following credit cards were converted from a 
separate rewards program into the KeyBank Rewards Program (herein collectively referred to as the "October 2016 
Conversion Accounts"): 
(1) KeyBank World Mastercard Credit Card bearing a plastic number with the first 6 digits of 552437 
(2) KeyBank Platinum Rewards Mastercard Credit Card bearing a plastic number with the first 6 digits of 532914 and 
529079 
(3) KeyBank Rewards Business Mastercard Credit Card bearing a plastic number with the first 6 digits of 552743 

All of the credit cards listed on this Schedule II.2. will be deemed an Eligible Credit Card. Conversion Accounts will have the same 
terms and conditions of all other Eligible Credit Cards under the Program unless specifically designated otherwise. The credit card 
names for the Conversion Accounts are listed separately in the Points Guide. 

Version Effective February 7, 2020. 

(ID 1911-512)