Preferred Credit Line Agreement and Disclosure 

Account Number: __________________________________ 

The following changes to this Preferred Credit Line Agreement and Disclosure will take effect on 
4/1/2014: 

FEES 

Overdraft Advance Fee 

$10.00 each day an Automatic Advance is made 
(Maximum fee:  $100.00 per billing cycle) 

Please read this Agreement carefully for further details and additional changes that will become 
effective 4/1/2014. 

DISCLOSURE 

INTEREST RATES AND INTEREST CHARGES 

Annual Percentage Rate (APR) for 
purchases and cash advances 

This APR will vary with the market based on the Prime 
Rate. 

No grace period is provided. You will be charged interest 
from the transaction date. 

To learn more about factors to consider when applying 
for or using a credit card, visit the website of the 
Consumer Financial Protection Bureau at 
http://www.consumerfinance.gov/learnmore 

Paying interest 

For Credit Card Tips from the 
Consumer Financial Protection 
Bureau 

FEES 

Annual Fee 

Transaction Fees 

Overdraft Advance Fee 

$5.00 each day an Automatic Advance is made   
(Maximum fee: $100.00 per billing cycle)  

Foreign Transaction Fee for 
purchases and cash advances 

1.00% of the amount of each foreign currency transaction 
after its conversion into U.S. dollars. 

Penalty Fees 

Late Payment Fee 

Return Item Fee 

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Up to  

Up to  

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How We Calculate Your Balance: We use a method called “daily balance”. See your account 
agreement for more details. 

Billing Rights: Information on your rights to dispute transactions and how to exercise those 
rights is provided in your account agreement. 

PART A – GENERAL TERMS, CONDITIONS AND DISCLOSURES: 

Meaning of Words: In this Preferred Credit Line Agreement (“Agreement”), the words “you” and “your” mean jointly and 
severally; and the words “we”, “us”, “our” and “Bank” refer to KeyBank National Association. 

Terms of Agreement: This Agreement governs the use of your Preferred Credit Line Account (“Account”) with us. The 
Account is a variable rate, open-end revolving line of credit.  By opening your Preferred Credit Line Account, you accept 
the terms and conditions of this Agreement and assume responsibility to repay all credit extended through the use of the 
Account and all charges and fees imposed on or in connection with the Account. 

1. Advances/Credit Limit. 

An approved line of $______________________ (“Credit Limit”) is established for your Account. Subject to the terms of 
this Agreement, we will make advances of funds to you or for your benefit from time to time upon your request 
(“Advances”). Advances include purchases and credit extended to you or for your benefit by use of a Card. Advances 
include any amounts extended under the provisions of Section 10 of this Agreement. The Credit Limit and available credit 
will be shown on your Account statement. Your Credit Limit is the maximum principal amount of credit that you can have 
outstanding on your Account at any time. If the Account balance exceeds the Credit Limit at any time, you shall 
immediately pay us the excess amount. If you make a credit request that would exceed your Credit Limit, we, in our sole 
discretion, can approve or deny the credit request. You will not use or permit use of any Card or convenience check for 
any purchase or Advance which would cause your Credit Limit to be exceeded. If the Outstanding Balance of your 
Account ever exceeds your Credit Limit, at our discretion, we may include the excess in the monthly payment due under 
this Agreement. 

We may increase or decrease the Credit Limit at any time, for any reason.  

You may request Advances: a) at any of our designated branches; b) by writing Checks, which we post to your Account 
as an Advance; c) by on-line transfer to your KeyBank Checking account; or d) by using the KeyBank Preferred Credit 
Line Gold MasterCard ("Card") which you requested, which you agree will be issued to you. Your Credit Limit is the 
maximum principal amount that may be outstanding on your Account at any time. The amount available to you as 
Advances will generally equal your Credit Limit minus the amount outstanding on your Account.  

2. Convenience Checks. 

We may send you convenience checks (“Checks”) from time-to-time for use in borrowing under this Agreement. All 
Checks you use will be treated as Advances under this Agreement unless we advise you otherwise. If you write a 
convenience check that would cause your Account to exceed your Credit Limit, we may, in our sole discretion, either 
return the convenience check without payment or honor the convenience check and immediately demand payment from 
you of the excess amount. We are not liable to you for any Checks returned or delay in posting any convenience check, 
nor are we required to pay any such Check or other credit request that would cause your Credit Limit to be exceeded. You 
may not use the Checks to make payments on this Account or any other account you have with us or with any of our 
affiliates. You understand that Checks will not be returned to you. We will not certify your convenience check. 

3. Promise to Pay.  

You promise to pay all amounts outstanding on your Account, including any fees and charges we impose. If more than 
one person signs this Agreement, you agree that (i) we can enforce our rights against each of you individually or against 
all of you together and (ii) we can send Account statements, notices and any other correspondence to either of you. 

4. Figuring the Finance Charge/Prime Rate Index. 

You agree to pay Finance Charges on Advances (hereinafter referred to as “interest”), from the day we post the Advance 
to your Account until the Advance is paid in full. We figure the interest on the Daily Balance in your Account. We take the 
beginning balance in your Account each day and add any new Advances. Then, we subtract any payments and credits, 
and any unpaid interest and other fees and charges. This gives us the Daily Balance. We figure the interest by multiplying 
the Daily Periodic Rate by the Daily Balance. The Daily Periodic Rate is the Annual Percentage Rate (“APR”) divided by 
the number of days in a year (365 or 366). Then we add all of the daily interest charges together to get the total accrued 
interest charged for the billing cycle. Payment in full of the New Balance by the due date will not avoid the assessment of 
interest on the balances from the date shown on your monthly statement through the date paid. The APR applied to an 
Advance will never exceed 25%, which is a Daily Periodic Rate of ____________________%. 

The index used to determine the interest charged is the “Prime Rate” as published in The Wall Street Journal “Money 
Rates” table (“Index”). The Index is published in each daily edition of the Wall Street Journal. When more than one Prime 
Rate is published in any edition, the Index will be the highest of the Prime Rates set forth. We may also change the 
margin if the Index becomes unavailable. The selection of any replacement index and margin will be done in compliance 

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with applicable law. The Prime Rate Index is just a pricing index and is not necessarily the lowest rate charged by the 
Bank or any other lender. Your APR may change daily and equals the value of the Index plus a margin. 

In the event of a default on your Account, the Daily Periodic Rate and corresponding APR in effect immediately before 
such default will be the Daily Periodic Rate and APR in effect after default. 

5. Variable Annual Percentage Rate.  

Your Account has a variable rate feature. The Daily Periodic Rate, APR and minimum monthly payment can change as a 
result. The APR is based on the value of the Index described above. To determine the APR that applies to your Account 
we add a margin of __________% to the value of the Index. The Daily Periodic Rate and APR on your Account may 
change daily. If the Index increases in value (assuming the same Outstanding Balance), the Daily Periodic Rate, APR and 
minimum payment will also increase. If the Index decreases in value (assuming the same Outstanding Balance), the Daily 

Periodic Rate, APR and minimum payment may decrease. In addition, the Daily Periodic Rate, APR and minimum 
payment will increase if a discounted APR or introductory APR on your Account has expired or was terminated. 

6. Initial Interest Rate Disclosure. 

 If this box is checked, the APR as of ______________ is __________%, which is a Daily Periodic Rate of 
____________________%. This rate may change daily.  

7. Discounted or Promotional Rate.  

 If this box is checked, the initial APR is __________%, which results in a Daily Periodic Rate of 
____________________%. The initial APR is “discounted.” This initial APR is based on the Index plus a margin of 
_________%. The Index plus this discounted margin will remain in effect through ______________________________. 
At our sole discretion and from time to time, we may offer an introductory rate, promotional rate, or a discounted rate to 
one or more eligible individuals or group of banking customers, or may agree to adjust a Daily Periodic Rate and 
corresponding Annual Percentage Rate upon your request for your Account, for such period of time and on terms and 
conditions we determine for the applicable account(s) for participation in the rate program. After the discounted period, or 
your default under or cancellation of this Agreement, or if you cease to satisfy the eligibility requirements for your 
participation in such rate program, the APR that will apply to your Account is the Index then in effect plus a margin of 
__________% which, as of ______________, is __________% and a Daily Periodic Rate of ____________________%. 

8. Monthly Statements and Payments. 

We will send you a monthly statement showing each Advance made, the minimum payment due and the date your 
payment is due.  

The minimum monthly payment will be an amount equal to 1/120th of the outstanding principal balance, plus interest and 
fees or ____________, whichever is greater. 

The minimum monthly payment may also include any past due amounts and any amount outstanding under this 
Agreement in excess of your Credit Limit. You may pay more than the minimum monthly payment due but you will still be 
obligated to pay succeeding minimum monthly payments so long as any amount is outstanding on your Account. You can 
pay the Outstanding Balance on your Account in full at any time. If your balance is ____________ or less, the full amount 
is due.  

9. Application of Payments. 

A. General. You agree to pay interest on the unpaid Outstanding Balance on your Account at the periodic interest rates, 
together with fees and charges, and to pay the Minimum Payment Due (“Required Minimum Payment”) on your Account, 
in accordance with this Agreement. You agree to pay us such amounts in U.S. currency denominations. We will send you 
a monthly Account statement as of the Closing Date of your billing cycle. Advances, payments and adjustments made 
since the Closing Date on your previous statement will appear on your next billing statement. You may pay your entire 
Account balance at any time. If you pay by check, the check must be drawn on funds in the U.S. Payments by mail must 
be sent to our payment address shown on the Account statement. Payments are credited as of the date of receipt for the 
purposes of calculating interest. Depending on the payment amount and other factors, you may not be able to re-borrow 
the principal portion of the payment amount for up to 10 business days. This allows time to ensure your payment has 
been collected from the account from which it was drawn. 

B. Payment Location. Payments received at the location specified on the front of the Account statement no later than 
5:00 pm Eastern Time will be credited as of the date of receipt to the Account specified on the payment stub, unless you 
make a payment later and in person at one of KeyBank’s banking centers. Payments received after 5:00 pm will be 
credited the next day. Payments received at locations other than the address specified or payments that do not conform to 
the requirements set forth on the Account statement (e.g. missing payment stub, payment envelope other than as 
provided with your statement, multiple checks or multiple payment stubs in the same envelope) may be subject to delay in 
crediting, but shall be credited within five (5) days of receipt. In addition, payments may be made at our banking offices or 
via the Internet Website at www.key.com or such other website authorized by us for accepting such payments. 

C. Irregular Payments. We may accept late payments, partial payments or checks and money orders marked “payment 
in full” and by doing so, we will not lose any rights under this Agreement if such irregular payments are accepted. 

D. Application of Payments. To the extent permitted by law, each required minimum periodic payment you send us will 
be applied to your Account in a manner that we determine at our sole discretion and we reserve the right to apply the 

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amount of any required minimum payment to unpaid balances subject to lower Annual Percentage Rates, including, but 
not limited to, special rate balance transfers, prior to unpaid balances subject to higher Annual Percentage Rates. 
However, to the extent required by law, any payment made in excess of the required minimum payment will be applied 
first to balances with the highest rate of interest and then any remaining portion of the amount of the excess payment to 
other balances in descending order based on applicable APR.  

E. Skip Payment Feature. From time to time, we may announce a feature which will allow you to skip one or more 
payments. In such an event, interest will continue to accrue on your unpaid balance on your Account at the applicable 
Daily Periodic Rate. At the end of the applicable skip-a-payment period, the payment terms of this Agreement will be 
reinstated automatically without further notice. We are under no obligation to offer this feature to you. 

10. Overdraft Protection. 

 If this box is checked, you elect to use your Preferred Credit Line Account as overdraft protection on your KeyBank 
Checking Account Number _______________________________.  

If you have a deposit account with us that is linked to your Account, you may access your Account by an overdraft of that 
linked deposit account (the “Checking Account”) up to the amount of your Credit Limit. You may have up to three deposit 
accounts linked to your Account for overdraft protection at any one time. The person(s) who signed or accepted and 
activated the Agreement as Borrower(s) must also be identified as an owner of a linked account. 

Minimum advance amount. Subject to the terms of this Agreement, we will make an Advance to you when the total 
amount of withdrawals from your Checking Account (including checks, automatic transfers, pre-authorized charges or 
other written, electronic or telephonic withdrawals, and debit card transactions) and service charges we post to your 
Checking Account exceed the amount of funds in your Checking Account that is available for withdrawal. You request that 
these Advances be made and agree that the amount of these Advances (Automatic Advances) be added to your 
Preferred Credit Line Account. The Automatic Advance will equal the amount needed to cover the unpaid amount of 
withdrawals and service charges, but not to exceed the amount available to you on your Preferred Credit Line Account, 
except that the minimum advance is $50.00.  We will deposit the Automatic Advance in your Checking Account.  

You agree to maintain your Checking Account according to the terms and conditions of that deposit account, in 
accordance with all applicable laws and regulations, without fraud, and in such manner so as not to cause us to close your 
Checking Account. If you fail to properly maintain your Checking Account, or your Checking Account is closed for any 
reason, we may unlink your Checking Account, or close your Preferred Credit Line Account to future Advances and may 
cancel your Account as described in Section 14 of this Agreement. 

Automatic Advances to pay unpaid withdrawals are generally made on the day the withdrawal is made. Automatic 
Advances to pay service charges are made on the day after service charges are posted. Consequently, if your Checking 
Account balance is not sufficient to cover these service charges, the balance shown on your Checking Account statement 
for the last day of the monthly statement period may be negative (-). 

11. Key Protect. 

You are not required to obtain accidental loss of life, natural loss of life or accidental disability debt cancellation protection 
(collectively referred to as "debt cancellation protection") as a condition of obtaining credit under this Agreement. If we 
have offered you debt cancellation protection and you have elected to purchase it from us, you authorize us to add the 
cost of the debt cancellation protection fee to your Account each monthly billing cycle. If you want this optional protection, 
you must complete a separate application. We may allow you to exceed the Credit Limit temporarily from time to time to 
accommodate these debt cancellation fee amounts. The amount of debt cancellation protection available for purchase 
may not be sufficient to cover the entire Outstanding Balance of your Account. 

12. Fees. 

You agree to pay the following fees which we assess against your Account: 

Annual Fee. We assess a non-refundable ____________ annual fee for making the Account available. This fee will be 
automatically assessed to your Account in the first billing cycle after you have opened your Account and on the 
anniversary date of the Account opening each year thereafter. (Refer to Section 25 Amendments for information 
concerning preferred pricing.) 

The following change to the terms of your Account will take effect on 4/1/2014: Overdraft Advance Fee.  We will 
assess an Overdraft Advance Fee each day an Automatic Advance is made to pay overdrafts to your KeyBank 
Checking Account(s).  The Overdraft Advance Fee will be assessed to your Preferred Credit Line and it will be 
displayed on your monthly statement as an “Overdraft Advance Fee”.  The Overdraft Advance Fee will be $10.00 
each day an Automatic Advance is made, with a maximum fee of $100.00 per billing cycle. (Refer to Section 25 
Amendments for information concerning preferred pricing.) 

Overdraft Advance Fee. We will assess an Overdraft Advance Fee each day an Automatic Advance is made to pay 
overdrafts to your KeyBank Checking Account(s). The Overdraft Advance Fee will be assessed to your Preferred Credit 
Line and it will be displayed on your monthly statement as an “Overdraft Advance Fee”. The Overdraft Advance Fee will 
be $5.00 each day an Automatic Advance is made, with a maximum fee of $100.00 per billing cycle. (Refer to Section 25 
Amendments for information concerning preferred pricing.) 

Late Fee. If we do not receive at least the required minimum payment within five (5) days after the date your payment is 
due, you agree to pay us a late fee. This fee is ____________ or the amount of the required minimum payment that is 

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late, whichever is less.  If a late fee was assessed during the prior six (6) billing cycles, the late fee is ____________ or 
the amount of the required minimum payment that is late, whichever is less.  

Return Item Fee. We charge a fee if any check or other instrument given for payment on the Account is dishonored for 
any reason. This fee is ____________ or the amount of the required minimum payment due immediately prior to the 
dishonor of the item, whichever is less. If a return item fee was assessed during the prior six (6) billing cycles, the return 
item fee is ____________ or the amount of the required minimum payment due immediately prior to the dishonor of the 
item, whichever is less.  This fee will appear on your statement as a “Rtn. Item Fee”.   

Foreign Transaction Fee. MasterCard imposes an International Transaction Fee in connection with use of your Card for 
a transaction cross-border or with a merchant outside the U.S.A. This fee is presently 1.00% of the amount of each 
foreign currency transaction after its conversion into U.S. dollars. 

13. Default/Acceleration. 

At our option, we can stop all Advances and/or declare the full Outstanding Balance on your Account immediately due 
and payable, without notice (except notices required by applicable law), if you fail to make payments when due on your  

Account or you otherwise breach the terms of this Agreement. At our option, we may also increase the rate of interest on 
your Account up to the maximum rate permitted under applicable law. We may also take any other collection action 
allowed by applicable law. If we need to hire an attorney to collect any part of your Account and applicable law permits us 
to charge you for attorneys’ fees, you agree to pay us our reasonable attorneys’ fees, subject to any limits under 
applicable law, incurred in collecting your Account. We do not charge attorneys’ fees in Maine. 

14. Cancellation. 

You may close this Preferred Credit Line Account as to future transactions at any time by giving us written notice at the 
address printed on your monthly statement. We may continue to honor requests until we have had reasonable time to act 
upon your request. You agree that we do not guarantee that every request for a future Advance will be rejected after your 
request. If you use Checks hereunder, you agree to be liable for all Advances obtained by any person who uses the 
Checks with your permission. If we terminate your Account or you close your Account, you must return any unused 
Checks to us.  

In addition to our other rights under this Agreement, we may cancel your Account and stop making Advances at any time. 
In deciding whether or not to do so, we may elect, but are not required, to make an annual (or more frequent) credit 
review on your Account. You agree to provide us with updated financial information including but not limited to personal 
financial statements, upon request. This requirement constitutes a material obligation under this Agreement. Failure to 
provide any such requested updated financial information to us within thirty (30) days of the request shall constitute a 
default under this Agreement.  

The closing or cancellation of your Account for whatever reason will not affect obligations arising prior to such closing or 
cancellation and the terms of this Agreement will continue to apply until the Outstanding Balance due on your Account is 
paid in full.  

15. Stop Future Advances. 

You may request the Bank not to permit any additional Advances under the Account. We may continue to honor requests 
until we have had reasonable time to act upon your request. You agree that we do not guarantee that every request for a 
future Advance will be rejected after your request. Future Advances may not be obtained until all owners request us in 
writing to reactivate your Account. If your request is given by telephone, we may require you to confirm the request in 
writing. You will hold us harmless from any claim by any party for either stopping payment on checks or for ceasing to 
honor requests for Advances. You will resolve any such claims and will reimburse us for all expenses that we incur in 
defending any actions or claims brought against us, including reasonable attorneys' fees, whether or not a lawsuit is 
commenced. 

16. Telephone Monitoring.  

As part of our continuing effort to maintain a high quality of service to our customers, telephone calls between our 
employees and our customers are periodically monitored, on a random basis, by our supervisory personnel. You 
understand this and give your consent to any such monitoring as to any telephone calls you may have with us. 

17. Notices and Changes of Name, Address or Employment.  

We will send Account statements, renewal or replacement Cards, Checks, or other notices to you at the U.S. postal 
address shown in our records. If this is a joint Account, we can send these items to any joint account holder. You agree to 
promptly notify us of any change in your name or employment and to provide us with a notice of any change of your 
address at least 10 days prior to the change in address. Notices to us shall be in writing by U.S. postal service, effective 
when received by us at the address indicated for receipt of payments on any Account statement mailed to you within the 
preceding 60 days. Notices by email to us are not permitted and if given will not be effective. Notices to you, if mailed, 
shall be deemed given when mailed to you at the address given on the application or authorization form or to such other 
address in our records.  

18. Account Statement Disputes.  

You agree to review promptly your monthly Account statements. You agree to accept the monthly Account statements 
that we mail you as being correct unless you notify us in writing of alleged billing errors no later than sixty (60) days after 

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we mail the monthly statement to you, or if you have enrolled in online banking with us, no later than sixty (60) days after 
we posted your electronic Account statement on our Website. Your rights to dispute billing errors are set forth following 
this Agreement. If you have notified us that an amount is in dispute in accordance with the procedures that follow this 
Agreement, you need not pay that disputed amount until the dispute is resolved. However, you must pay at least the 
required Minimum Payment Due. 

19. Credit Reports.  

We may investigate your credit record from time-to-time in connection with your application and any resulting Account, our 
administration of your Account, any change in the interest rate or Credit Limit on your Account, or update, renewal, or 
extension of the Account. Upon your request, we will advise you if we obtained a credit report and we will give you the 
credit bureau’s name and address. You understand that a negative credit report reflected on your credit record may be 
submitted to a credit reporting agency if you fail to fulfill the terms of your credit obligations under this Agreement. If you 
believe information related to this extension of credit in your credit report is inaccurate, you may notify us of the same by 
writing to us at Card Customer Service, P.O. Box 6419, Brooklyn, Ohio 44144.  

20. Prohibited Activity.  

It is your responsibility and you agree to use the Account only for valid and lawful purposes. If you use the Account for any 
other purpose or transaction, including, without limitation unlawful gambling activities (collectively, herein called a 
“Prohibited Activity”), you must immediately reimburse us for all amounts or expenses incurred as a result of such use. 
We reserve the right to block Prohibited Activity and to cause non-approval of any authorization request for a Prohibited 
Activity. Account Advances for any Prohibited Activity made by or for your benefit shall be considered authorized by you, 
and you assume all responsibility and liability for all losses, costs and expenses you incur as a result of such use. If our 
investigation of any billing error asserted by you shows, in our sole determination, a Prohibited Activity, you authorize us 
to immediately reverse any provisional credit we gave you pending completion of our investigation.  

21. Limitation on our Liability.  

If a court or arbitrator finds we are liable to you in connection with this Agreement, you may recover only your actual 
damages. IN NO EVENT WILL YOU BE ABLE TO RECOVER ANY INDIRECT, INCIDENTAL, SPECIAL, 
CONSEQUENTIAL, AND EXEMPLARY OR PUNITIVE DAMAGES, EVEN IF WE ARE AWARE OF OR HAVE BEEN 
ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.  

22. Disclosure of Account Information.  

We may share information within the KeyCorp family of companies as well as with unaffiliated third parties external to 
KeyCorp as described in our Privacy Policy. You specifically consent to us sharing information within the KeyCorp family 
of companies and with external unaffiliated third parties.  

NOTE: You may elect to opt out of information sharing, or may be automatically opted-out under your state law, as 
described in our Privacy Policy. If you are opted out, that election will override this consent to share, except for those 
instances in which we are otherwise permitted to share by law without your consent. 

We will not disclose information about your Account or the transactions or transfers you make related to your Account 
under this Agreement except: (a) if the information is provided to help complete a transaction you initiated; (b) when you 
request or consent to the disclosure; (c) for the exchange of information with reputable credit reporting agencies to 
maximize the accuracy and security of such information; (d) in performance of bona fide corporate due diligence and/or in 
connection with a merger, acquisition or divestiture that involves your account; (e) in order to comply with applicable law, 
government regulation, or legal process (such as a court order or subpoena); or (f) if you have been informed about the 
possibility of such disclosure.  

23. Internet Access; Websites; Security.  

If you use the Internet to obtain information on your Account, you agree to and will be responsible for obtaining, installing, 
maintaining and operating all computer hardware, software and Internet access and security services necessary for 
performing online services. We will not be responsible and shall have no liability for any errors nor for any failures 
resulting from the malfunction or failure of your hardware, software or any Internet access services, or for any breach of 
security or other activity resulting in any unauthorized access to your computer, Account data or any resulting 
unauthorized transaction in your Account resulting from such breach of security or other adverse activity. 

24. Assignment.  

We can assign, sell or transfer your Account, or any portion thereof and this Agreement without notice to you or your 
consent. You may not assign this Agreement, your Account or any portion of it. Your rights hereunder cannot be 
transferred by you or operation of law or otherwise without our consent, but your obligations shall be binding upon your 
estate or personal representatives. Any unauthorized transfer or assignment by you of this Agreement is null and void.  

25. Amendments. 

We, in our sole discretion, may change, amend, or add to the terms and conditions of this Agreement by sending you a 
written notice of the changes as may be required under applicable law. If the change is considered a significant change to 
the terms of the Account, you will be given the right to reject the change, unless you become more than 60 days late on 
your account. However, if you do reject the changes, you will not be able to use your Account for new transactions. The 
notice provided prior to any significant change in terms will include instructions for how to reject the changes. 

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Preferred Pricing: You acknowledge and agree that the discounted margin, as well as partial or full waiver of the annual 
fee and/or overdraft advance fee, if applicable, disclosed in your Preferred Credit Line Agreement is preferred pricing 
based on your current participation in a relationship program offered by the Bank, in its discretion. If you elect to no longer 
participate in, or if you cease to satisfy the eligibility requirements established by the Bank for your participation in such 
program, we reserve the right to increase the margin, as well as assess the annual fee and/or overdraft advance fee, if 
applicable.   

26. Applicable Law. 

You understand that KeyBank National Association is a national bank with its main office located in Cleveland, Ohio. 
Consequently, this Agreement shall be governed by Federal law and the laws of the State of Ohio, without regard for 
conflict of law rules, whether or not you live in said state, but with respect to all disclosures, fees and charges related to 
your Account, federal law alone shall control. This Agreement is entered into between you and us in, is accepted by us in 

and credit is extended by us from the State of Ohio. If any term of this Agreement is found to be invalid, all other terms will 
remain effective. 

27. Wireless Express Consent 

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 National Association and its affiliates and agents.  This express consent applies to each 
such telephone number that you provide to us now or in the future and permits such calls regardless of their purpose.  
These calls and messages may incur access fees from your cellular provider. 

PART B. CREDIT CARD TRANSACTIONS. 

1. Definitions. 

“Card” means the KeyBank Gold MasterCard® branded Preferred Credit Line card issued by us to you as an access 
device linked to your Account. "Cardholder”, refers collectively to the person(s) who received a Card from us. 

2. Card Access to Account.  

Upon your receipt and activation of the Card you agree to promptly sign your name in the signature panel on the reverse 
side. You may obtain an Advance under your Account with your Card as follows: by purchasing goods or services and by 
obtaining an Advance from a financial institution including us or an automated teller machine or cash dispenser (“ATM”). 
We will pay merchants that participate in the payment network operated by MasterCard, Inc. and its subsidiaries 
(collectively “MasterCard”) for goods and services you obtain by use of this Card, and we may make Advances to you or 
for your benefit. You may use your Card to pay for purchases of goods and services at any merchant’s location or website 
that displays the service mark of MasterCard or its affiliates. You may use the Card without your signature (e.g. tap-and-
go) at any merchant terminal that displays MasterCard’s Paypass® service mark. Your Card may be used at any ATM 
that displays a service mark matching a brand mark on the back of your Card. 

3. Acceptance; Signature.  

Each Cardholder hereby agrees to sign in the space provided for authorized signatures on the Card before the Card is 
used. Your signature on the Card, or on any charge slip intended for this Account, or any use of the Card by you or any 
other Card user authorized by you, (“Authorized User”), is your agreement to comply with all the terms of this Agreement 
and your acceptance of the Card.  

4. Joint Account.  

All persons on your Account are jointly and individually bound by this Agreement, regardless of who received the benefit 
of your Account or by whom any Advance or purchase was made under your Account or with your Card. A default by any 
Account holder will be a default by all Account holders. Each of you are jointly and individually responsible to pay in full all 
amounts and liabilities due under this Agreement and on the Account. 

5. Authorized Users.  

We will not issue a Card to your Authorized User, unless such person is jointly liable with you on the Account. You may 
authorize others to use your Card, but you will be responsible for use of the Card and for repayment of all Advances and 
purchases obtained with the Card or the Account. You promise to pay for all purchases and Advances made by any 
Authorized User, who you permit to use your Account with or without a Card, whether or not you notify us that he or she 
will be using the Account and whether or not he or she exceeds any limits or conditions imposed by you on his or her use 
of the Card. If another person has use of your Account and you want to end that person’s privilege, you must notify us at 
Card Customer Service, NY-31-17-0128, 17 Corporate Woods Blvd, Albany, NY  12211, by writing to us, by calling us at 
1-800-KEY2YOU (1-800-539-2968), or in person, and we must have a reasonable time to act upon your notice. In order to 
avoid unauthorized use, you should recover promptly any Cards in that person’s possession. 

6. All Card Purchases Treated as Advances.  

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We consider all Card transactions to be the equivalent of cash advances in the Account and are considered Advances for 
purposes of this Agreement, including but not limited to, using the Card or Account to purchase wire transfers, money 
orders in U.S. dollars or foreign currency, travelers checks, casino gaming chips, lottery tickets, off-track betting, wagers 
at race tracks, and tax payments. 

7. ATM Transactions.  

Upon your telephonic activation of the Card, you will be prompted to select an access code or personal identification 
number (“PIN”) to enable you to use the Card at automated teller machines or cash dispensing machines (collectively, an 
“ATM”). At an ATM you may use your Card for a balance inquiry or cash withdrawal from your Account. You cannot use 
the Card at any ATM to make any deposit, payment on, or transfer to or from, any account with us.  

8. Limitations on Card Transactions.  

A. PIN Transaction. You cannot use your Card with your PIN to make a point-of-sale (“POS”) purchase from a 

merchant. You must manually sign the merchant’s sales receipt for all POS Card transactions, unless you are 
electronically authorizing the POS transaction over the telephone, Internet or at a Paypass terminal. You agree that 
charges imposed by third parties for use of their ATM facilities will be added to your Account balance as an Advance. All 
ATM transactions where a PIN is used will be considered authorized by you. 

B. Limits on Dollar Amounts of Transactions. We may establish limits on the dollar amounts and frequency of 

Card transactions per Account or per Card. We may change these restrictions at any time without notice. 

9. Awards and Other Services.  

You understand that from time-to-time third parties may offer additional Account features, services, and enhancements. 
You understand that we are not liable for these features, services, and enhancements and they are the sole responsibility 
of third parties. You will hold us harmless from any claims, actions, or damages resulting from your use of any of these 
features, enhancements, or services when permitted by applicable law. 

10. Merchant Disputes.  

We are not responsible if anyone refuses to honor this Card or any convenience check or for any failure of an ATM to 
process any Advance request. To the extent permitted by applicable law, if there is a problem with merchandise or 
services obtained with this Card, you may have the right not to pay the remaining amount due on such merchandise or 
services. This right does not, however, apply to merchandise or services obtained with Checks, with money from an 
Advance, or if your Account is used primarily for business purposes. In Part C below is an explanation of your rights to 
dispute billing errors. We will have no responsibility for or liability arising from any merchandise or services purchased with 
this Card. 

11. Expiration; Non-renewal; and Termination.  

Your Card is issued with an expiration date. We may elect, at our sole discretion, not to renew your Card. We have the 
right to revoke all privileges attached to all Cards, cancel the Cards as to future Advances at any time for any reason. 
Upon such cancellation you agree to immediately destroy all Cards (which you will cut in half). Your right to use your Card 
will terminate automatically, without notice, effective on any termination of the Agreement.  

12. International Transaction Fee.  

MasterCard imposes fees if you use your Card in a foreign country, including a Card transaction you initiate in the U.S. 
with an entity located in a foreign country. The fee is a cross-border assessment and currency exchange fee. On foreign 
Card transactions, the fee is 1% of the transaction amount, which transactions include, without limitation, Advances, ATM 
withdrawals, and purchases of goods and services. If you use your Card to make a Card transaction in a foreign currency, 
MasterCard will convert the Card transaction amount into U.S. dollars and will assess a currency exchange adjustment 
charge in the manner set forth in its operating regulations, which provide that the currency exchange rate will be a 
wholesale market rate selected by MasterCard or a government-mandated rate in effect one (1) day prior to the 
processing date, increased by an adjustment factor established by MasterCard. In any case, the currency exchange rate 
in effect on the processing date may differ from the rate in effect on the Card transaction date or the posting date. The 
currency exchange rate used may be the same as, greater than or less than the amount that would be calculated by 
conversion through a financial institution in the country in which the Card transaction occurred. We collect these fees for, 
and forward the fees to, MasterCard. You consent to and agree to pay this fee, and agree MasterCard and we may 
increase or modify this fee from time to time upon prior notice to you. 

13. Lost or Stolen Cards.  

If your Card is lost or stolen, or you believe that someone is using your Account or Card without your permission, notify us 
immediately. You can notify us by telephoning 1-800-KEY2YOU (1-800-539-2968) or by writing to Card Customer 
Service, NY-31-17-0128, 17 Corporate Woods Blvd, Albany, NY  12211. 

14. Your Liability. 

A. In General. You agree to make your best efforts to protect your Card against loss, theft or unauthorized use. 

You agree to contact Customer Service AT ONCE if you believe your Card has been lost or stolen or you believe there is 
any unauthorized use of your Card. Telephoning Customer Service is the best way to keep your possible losses down. 
We may request that you confirm your notice to us in writing. You agree to cooperate completely with us in any of our 
attempts to recover amounts from unauthorized users and to assist in their prosecution under law.  

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B. Unauthorized Use. You may be liable for the unauthorized use of your Card. You will not be liable for 
unauthorized use that occurs after you notify us, orally or in writing, of the loss, theft or possible unauthorized use. Your 
liability for unauthorized use will not exceed $50.00.  

PART C. ADDITIONAL DISCLOSURES AND NOTICES 

1. If any of the terms of this Agreement is invalid, changed by applicable law or declared invalid by order of a court, the 
remaining terms of this Agreement will not be affected, and this Agreement will be interpreted as if the invalid terms had 
not been placed in this Agreement. 

2. STATE NOTICES: 

Notice to OREGON RESIDENTS: Under Oregon law, most agreements, promises and commitments made by us after 
October 3, 1989, concerning loans and other credit extensions which are not for personal, family or household purposes 
or secured by the borrower’s residence must be in writing, express consideration and signed by us to be enforceable.  
Notice to UTAH RESIDENTS: As required by Utah law, you are hereby notified that a negative credit report reflecting on 
your credit record may be submitted to a credit-reporting agency if you fail to fulfill the terms of your credit obligations. 
This Agreement is a final expression of the Agreement between you and us and cannot be contradicted by evidence of 
any alleged oral agreement.  

Notice to WASHINGTON RESIDENTS: Oral agreements or oral commitments to loan money, extend credit or to 
forebear from enforcing repayment of a debt are not enforceable under Washington law. 

3. FEDERAL NOTICE: 

YOUR BILLING RIGHTS: Keep this Document for Future Use  

This Notice tells you about your rights and our responsibilities under the Fair Credit Billing Act. 

What To Do If You Find A Mistake On Your Account  

If you think there is an error on your statement, write us at: 

KeyBank N.A. Card Customer Service, P.O. Box 6419, Brooklyn, Ohio 44144. 

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 will 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.  

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If you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still 
refuse to pay. If you do so, we cannot report you as delinquent without also reporting that you are questioning your bill. 
We must tell you the name of anyone to whom we reported you as delinquent, and we must let those organizations know 
when the matter has been settled between us. 

If we do not follow all of the rules above, you do not have to pay the first $50 of the amount you question even if your bill is 
correct.  

Your Rights If You Are Dissatisfied With Your Credit Card Purchases  

If you are dissatisfied with the goods or services that you have purchased with your 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 you the goods 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: 

KeyBank N.A.,Card Customer Service, NY-31-17-0128, 17 Corporate Woods Blvd, Albany, NY  12211.  

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. 

KeyBank National Association 

You agree to be bound by all of the above terms and conditions as set forth in this Agreement and acknowledge 
receipt of a completed copy of this Agreement. 

__________________________________________               __________________________________________ 
Borrower                                                                                   Borrower 

Date:  ____________________________________                Date:  _____________________________________ 

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