All credit products are subject to credit approval.

1

Checking your rate with Laurel Road only requires a soft credit pull, which will not affect your credit score. To proceed with an application, a hard credit pull will be required, which may affect your credit score.

2

The KeyBank employee rate discount is offered for applications from KeyBank employees at the time of loan closing. The employee discount will be applied to the monthly payment. This offer cannot be combined with other member or employee discounts.

3

AutoPay/EFT Discount: if the borrower chooses to make monthly payments automatically by electronic fund transfer (EFT) from a bank account, the interest rate discount will be applied, but will be removed if the borrower stops making (or we stop accepting) monthly payments automatically by EFT from the borrower’s bank account. The AutoPay/EFT Discount will not reduce the monthly payment; instead, the discount is applied to the principal to help pay the loan down faster.

Laurel Road is a brand of KeyBank National Association (“KeyBank N.A.”). All loans are provided by KeyBank N.A.

The information provided above is intended to be a summary of Key’s benefit programs. Detailed eligibility criteria and other information is available on HR Online.

Key.com is a federally registered service mark of KeyCorp.

Key is an Equal Opportunity and Affirmative Action Employer.