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Any assignment or transfer of the Rewards Account is null and void. User ID A user ID uniquely identifies you on this site. 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.

So if you are unable to remember about your transactions, routing number will help you. Key bank routing numbers also help to know about the credit and debit funds. 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.

467 - 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.

Certain highlighted changes are bulleted below. Please carefully review this agreement for the full terms and conditions. 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. 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. Notices and other communications to a Business Customer will be made to the Business. By enrolling in the Program, Customer agrees to be bound by these Program Rules. From time to time we may change the Program Rules. 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. Notices and other communications to a Business Customer will be made to the Business. Additional Definitions: The capitalized terms below shall have the meaning provided them when used throughout this agreement: Checking Enrollment End Date: After 11:59:59 PM Eastern Standard Time November 8, 2018, no unenrolled checking account will be eligible to be enrolled in this rewards Program. For the avoidance of doubt, at any time on November 9, 2018, or anytime thereafter, no unenrolled checking account will be accepted for enrollment to the Program. Checking Earn End Date: After 11:59:59 PM Eastern Standard Time February 7, 2019, signer s on an Enrolled Checking Account will no longer be able to earn Rewards Points for transactions or activities made with an Enrolled Checking Account or its related debit card s , or made in relation to an Enrolled Checking Account. For the avoidance of doubt, at any time on February 8, 2019, or anytime thereafter, signers on an Enrolled Checking Account will no longer be able to earn Rewards Points for transactions or activities made by or in relation to an Enrolled Checking Account or its related debit card s. Checking Redemption End Date: After 11:59:59 PM Eastern Standard Time May 10, 2019, signer s on an Enrolled Checking Account will no longer be able to redeem Rewards Points earned by transactions or activities made with an Enrolled Checking Account or its related debit card s or earned in relation to an Enrolled Checking Account or its related debit card s. For the avoidance of doubt, at any time on February 8, 2019, or anytime thereafter, signer s on an Enrolled Checking Account will no longer be able to earn Rewards Points for transactions or activities made by or in relation to an Enrolled Checking Account or its related debit card s. You may earn Rewards Points as set forth in Section III below. As of April 2015, the Basic Rewards Program was terminated and all enrolled Customers are now Customers of the Relationship Rewards Program. The Program Rules will govern the Program, as may be amended from time to time. 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. After the Checking Enrollment End Date KeyBank will cease allowing enrollment of checking accounts in the Program. Until the Checking Redemption End Date, the term Enrolled Checking Account may be included within the definition of Enrolled Product; however, after the Checking Redemption End Date, the term Enrolled Product will cease to include an Enrolled Checking Account. Eligible Credit Card Accounts. 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. Conversion Credit Card Accounts. Key has converted, and will from time to time convert various credit card portfolios to KeyBank's Relationship Rewards Program all as set forth in Section II of Schedule II. 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. You may access your Rewards Account by the following methods, subject to the limitations set forth below. All access to a Rewards Account related to an Enrolled Checking Account will cease at the Checking Redemption End Date. The only way to electronically access the Rewards Website is through Online Banking or Key Business Online websites. Representatives are available Monday through Friday, 7 a. EST and Saturday through Sunday, 9 a. 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. For all Business Credit Card Accounts that use Key Business Online to access their Credit Card Account, only the Primary Signer, and if applicable the administrator designated pursuant to section II. Signers and Primary Signers. Signers for Eligible Checking Accounts and Eligible Credit Card Accounts are further defined as follows: a. Signer on an Eligible Checking Account. A signer is an individual who signs a signature card i in his or her own individual capacity, or ii on behalf of an entity, organization or trust. Additionally, a signer may be a person designated on KeyBank's systems, books or records as being a signer. The owner of an account may be different than the actual signers. A signer includes sole owners, co-owners, powers of attorney, authorized minor users and trustees. An authorized user of a Debit Card who has not signed the signature card, is not a Signer for the purposes of this Agreement or the Program. 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, 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. Commencing November 1, 2018, KeyBank will no longer charge an annual membership fee for the Program. Any Customer who was charged an annual membership fee on or after February 1, 2018, will receive a refund of a portion of such annual fee relating to the period of time remaining in the prepaid period in which the full Program will not be operational. All refunds pursuant to this paragraph will occur during the month of February 2019. The change in annual fee will be assessed based on the Rewards anniversary date. If you are in the Program you may earn Reward Points associated with your Enrolled Products. Rewards Points associated with an Enrolled Checking Account may be earned until the Checking Earn End Date, and after that no Rewards Points will be earned for activities associated with your Enrolled Checking Account, specifically including activities outlined in Sections III. Rewards Points associated with an Eligible Credit Card Account may be earned as set forth herein. 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. KeyBank publishes guides to set forth qualification criteria for earning Rewards Points for particular transactions and events. 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. KeyBank reserves the right, in its sole discretion to determine 1 whether any product or service is a Relationship 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. Activity and Bonus Points with Enrolled Checking Account. Important additional information, including without limitation, qualification requirements, point amounts and monthly point caps for Activity and Bonus Points are contained in the Guide. Subject to inclusion in the Guide, Activity and Bonus Events may include the activities enumerated below dependent upon whether the Enrolled Checking Account associated with the particular activity is consumer or business in nature. Product Points as hereinafter defined in this Section III. Product Point s with respect to a Consumer are Rewards Points which are awarded as set forth below for expanding the Consumer Relationship with KeyBank by opening or establishing a new eligible product or service, such eligible products or services may include the products or services set forth below, but will be limited to the actual products or services set forth in the Guide, and Product Point awards will be subject to all requirements set forth in the Guide, including, but not limited to qualification criteria, point amounts, annual point caps and other relevant information contained in the guide which may change from time to time as set forth in Section III. Product Point awards will be made with respect to Enrolled Checking Accounts bearing the lowest sequential account number to highest until the maximum number of awards is reached. Additionally, from time to time through special offers from KeyBank, Relationship Rewards Product Points may be awarded for increasing the balance in your savings account or Certificate of Deposit or for renewing your Certificate of Deposit. Only products or services opened or established after your enrollment in the Relationship Rewards Program qualify for Relationship Rewards Product Points. Relationship Products may differ for Consumer and Private Bank Customers. Please refer to the Guide for details. Product Points as hereinafter defined in this Section III. Product Point s with respect to a Business are Rewards Points which are awarded as set forth below for expanding the Business Relationship with KeyBank by opening or establishing new eligible business products or services, which may include the products or services set forth below, but will be limited to the actual products or services set forth in the Guide, and Product Point awards will be subject to all requirements set forth in the Guide, including, but not limited to qualification criteria, point amounts, annual point caps and other relevant information contained in the Guide which may change from time to time as set forth in Section III. Product Point awards will be made with respect to Enrolled Checking Accounts bearing the lowest sequential account number to highest until the maximum number of awards is reached. Additionally, from time to time through special offers from KeyBank, Relationship Rewards Product Points may be awarded for increasing the balance in your savings account or Certificate of Deposit or for renewing your Certificate of Deposit. Only products or services opened or established after your enrollment in the Relationship Rewards Program qualify for Relationship Rewards Product Points. Points for Enrolled Credit Card Accounts. KeyBank offers varying levels of Rewards Points depending upon your credit card type. Subject to the terms of the Guide, Rewards Points will be awarded for the amount of credit card transaction activity, including bonuses for recurring payments and choosing online statement delivery. Additionally, to reward customers who also have an Eligible Checking Account with KeyBank regardless of enrollment status , when you open an Eligible Credit Card, KeyBank will provide Rewards Points to a Signer on an Eligible Credit Card as long as the qualification criteria in the Guide are met. Bonus Offers and Incentives. 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. 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, truck stop transactions any transactions at a truck stop other than an ATM at fuel desks, weigh stations, public scales, or ports of entry , gaming transactions, tax payments, 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. Rewards Account and Point Redemption 1. Each Enrolled Product will have an associated internal rewards account established by KeyBank to track the Rewards Points earned under the Program. 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. 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. 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. Rewards Points must be redeemed by a Signer on an Enrolled Product. Except as specified in II. KeyBank reserves the right, in its sole discretion, to change how Rewards Points are earned and allocated at any time. As set forth in Section II. Additionally, the Rewards Points balance for the Eligible Credit Card is available on the credit card billing statement; the Rewards Points balance for the Enrolled Checking Account is available on the checking account statement as well as on branch receipts. As set forth in Section II. Redemption Allocation and Expiration. 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. Notwithstanding the foregoing, as of the Checking Enrollment End Date any Reward Point previously earned relative to a Enrolled Checking Account and bearing an expiration date after May 10, 2019 will be re-assigned an expiration date of May 10, 2019. Further, any Rewards Points earned relative to an Enrolled Checking Account after the Checking Enrollment End Date will be assigned an expiration date of May 10, 2019. All unused Rewards Points earned relative to an Enrolled Checking Account expire at the Checking Redemption End Date. 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. After the Checking Enrollment End Date, any redemption will be made using your Rewards Points that have the earliest expiration date. No redemptions for Rewards Points earned relative to an Enrolled Checking Account will be permitted on or after the Checking Redemption End Date. 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. Rewards Points earned are not transferable except as used in accordance with these Program Rules, 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. No partial awards will be issued upon redemption of Rewards Points. 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. Rewards Points are available after transactions are posted and based on the specifications set forth in the Guide. In order to transfer Rewards Points, a Customer must call the KeyBank Rewards Center as set forth in Section II. A Customer must know the recipient's Relationship Rewards Account number in order to complete the transfer. If there is more than one Customer associated with a Relationship Rewards Account, each Customer may only transfer Rewards Points that were earned by such Customer. Only Customers with Relationship Rewards Accounts in good standing as determined by KeyBank in its sole discretion can participate in Points Transfers, either as a transferor or transferee. Transferred points retain the expiration date assigned at the time the transferred points were originally earned, not the date of transfer. All transfers are final. If Rewards Points subject to 1099 reporting are transferred, the 1099 reporting and associated tax liability remains with the Customer who earned the points. General Program Details 1. 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. For the avoidance of doubt all checking accounts, even those previously enrolled checking accounts, will become unenrolled as the of Checking Redemption End Date. For Enrolled Checking Accounts, as of the Checking Redemption End Date, the Program will be discontinued and terminated. Eligible Credit Card Accounts may continue to participate in the Program after the Checking Redemption End Date, as set forth in this agreement. If you voluntarily cancel enrollment in the Program or if KeyBank cancels the enrollment due to the account not being eligible, all unused accrued Rewards Points and rewards shall be forfeited immediately. If you are terminated as a Signer on an Enrolled Product for any reason, whether due to your own action, action by KeyBank, or death, Activity and Bonus Points and Relationship Rewards Points earned by you prior to termination will remain in the available point balance and will be available for use by the Signers of the Enrolled Product in connection with which the Points were earned. 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. The remaining sentences of section VII. 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 Relationship 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 Relationship 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 Relationship 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. 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. Every effort has been made to ensure that the information provided is accurate. KeyBank is not responsible for errors or omissions. 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. The fair market value of points earned for opening a savings account or a Certificate of Deposit, for increasing the balance in your savings account or Certificate of Deposit or renewing your Certificate of Deposit along with interest earned on your Savings account or Certificate of Deposit further described in Section III above will be reported to the IRS on Form 1099-INT. The 1099-INT is issued for the Savings Account or the Certificate of Deposit since the award of Rewards Points is for opening or increasing the balance of such account and such an award is considered to be interest earnings. The issuance of the 1099-INT for the Savings Account or Certificate of Deposit occurs even though the Rewards Points will be added to the available point balance for the Enrolled Checking Account. 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. 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. All questions regarding accrual of rewards or the fulfillment of rewards shall be resolved by KeyBank, and its decision will be final. 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. 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 or debit card 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. 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. 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. 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, debit 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. Refunds, if permitted by the Supplier, may take up to 90 days to process and are subject to the policies of the individual Supplier. All refund requests must be submitted in accordance with the rules of the Supplier, and in any case no later than 30 days after the scheduled departure date and any negotiable documents i. If Supplier permits a full or partial refund, such refund will be made by crediting your Reward Account with the applicable amount of Reward Points determined by Supplier. If you are no longer a member of the Program, the Rewards Points will be forfeit. 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. KeyBank is not responsible for products or services offered by other companies. KeyBank may make substitutions of equal or greater value when necessary without notification. Merchandise rewards include applicable sales tax, shipping and handling within the 48 contiguous United States. Returns are only accepted for merchandise that is damaged, defective or shipped in error. The manufacturer's warranty applies to all merchandise rewards offered, but KeyBank shall have no responsibility or liability in connection with this warranty. Merchandise rewards shipments are your sole responsibility. 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. Any additional shipping costs, including international shipping costs, will be your responsibility and will be charged to the Enrolled Checking, unless you have no Enrolled Checking, in which case such costs will be charged to the Eligible Credit Card. KeyBank may make substitutions of equal or greater value when necessary. Please allow three to four weeks from time of order for direct mail. Cash Back Cash Back to Enrolled Checking Accounts or associated Debit Cards will no longer be available after the Checking Redemption End Date. However, Cash Back to your Enrolled Credit Card will be available after the Checking Redemption End Date. If you choose to redeem Rewards Points for Cash Back you will need to select from the available options on the website which Debit Card or Eligible Credit Card the Cash Back will apply to and such selection will remain in effect until changed by you. KeyBank has sole discretion to determine which Debit Cards or Eligible Credit Cards will be available as a viable selection for the Cash Back feature. If you choose to redeem Rewards Points for Cash Back you will need to select from the available options on the website which Enrolled Credit Card the Cash Back will apply to and such selection will remain in effect until changed by you. KeyBank has sole discretion to determine which Enrolled Credit Cards will be available as a viable selection for the Cash Back feature. Cash Back is available only for accounts in good standing as determined by KeyBank in its sole discretion. Any Signer who has registered is eligible to choose Cash Back as a Rewards Points redemption option, subject to the restrictions set forth in this Section X. If you choose Cash Back to be applied to your Debit Card, then the Cash Back will be deposited to the Enrolled Checking Account attached to the Debit Card. Cash Back will post to the account you selected within 1-3 business days and will appear on your monthly checking account statement or your monthly credit card statement. 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. You will be responsible for taxes related to Cash Back, if any. You may only redeem Cash Back in increments set forth in the web site options available at the time of redemption. KeyBank Original Origination Credit Cards A. 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 B. 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. October 2013 Conversion Accounts. October 2014 Conversion Accounts. October 2016 Conversion Accounts. 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 November 9, 2018.

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 Relationship 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 Relationship 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, online keybank or otherwise transfer Rewards Points or any instrument exchangeable for the Program. An authorized user of a Debit Card who has not signed the signature card, is not a Signer for the purposes of this Agreement or the Online keybank. Product Point s with respect to a Consumer are Rewards Points which are awarded as set forth below for expanding the Consumer Relationship with KeyBank by opening or establishing a new eligible product or service, such eligible products or services may include the products or services set forth below, but will be limited to the actual products or services set forth in the Guide, and Product Point awards will be subject to all requirements set forth in the Guide, including, but not limited to qualification criteria, point amounts, annual point caps and other relevant information contained in the guide which may change from time to time as set forth in Section III. Representatives are available Monday through Friday, 7 a. 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 online keybank, truck stop transactions any transactions at a truck stop other than an ATM at fuel desks, weigh stations, public scales, or ports of entrygaming transactions, tax payments, 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. 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. 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. To receive benefits under the Program, enrollment is necessary. Activity and Bonus Points with Enrolled Checking Account. In regard to the Relationship 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. So online keybank you are unable to remember about your transactions, routing number will help you.