User Agreement

(For Access to World Wide Website)

PLEASE READ THESE TERMS CAREFULLY. BY ACCESSING THIS WEBSITE YOU AGREE TO BE BOUND BY THE TERMS BELOW. THESE TERMS ARE SUBJECT TO CHANGE. ANY CHANGES WILL BE INCORPORATED INTO THE TERMS POSTED TO THIS WEBSITE FROM TIME TO TIME. IF YOU DO NOT AGREE WITH THESE TERMS, PLEASE DO NOT ACCESS THIS WEBSITE.


NOTICE

KeyCorp, its affiliates and subsidiaries, including KeyBank National Association (collectively called "Key"), are providing this website (the "Site") to you subject to the following terms ("User Agreement"). These terms should be read carefully as they exclude or limit Key's liability and set forth the terms and conditions which apply to your use of the Site.


USE OF INFORMATION AND MATERIALS

The information and materials contained in the pages on our Site, and terms, content, products and services described on this Site, are subject to change. Unauthorized use of Key's Site and related systems, including without limitation, unauthorized entry in our systems, misuse of passwords, or misuse of any content posted on the Site is strictly prohibited. Your eligibility for a particular product or service is subject to final determination by Key or its affiliate.


BANKING SERVICES

Deposit products and lending products and services are generally provided by KeyBank National Association ("KeyBank"), member FDIC and Equal Opportunity Lender.


INVESTMENT PRODUCTS

Non-deposit investment products are made available through Key Investment Services LLC ("KIS"), member FINRA/SIPC, a KeyCorp company, and insurance products through KeyCorp Insurance Agency USA Inc. ("Key Insurance Agency"). KIS and Key Insurance Agency are not banks and are separate entities from KeyBank. When you buy insurance or securities through these companies, you are doing business with these entities and not KeyBank. KeyBank cannot require you to purchase insurance from a particular agency or with a particular insurer. Before purchasing a policy of insurance, you should compare information obtained from two or more agents. You have the right to obtain insurance from the agent of your choice, and your decision will not in any way affect a KeyBank credit decision.


Securities (including mutual funds), insurance products, and annuities are not bank deposits and are not FDIC insured, nor are they obligations of or guaranteed by Key Investment Services LLC, KeyCorp Insurance Agency, KeyBank, KeyCorp, or their subsidiaries. The securities, insurance products, and annuities involve investment risks, including the possible loss of the principal amount invested.


The information herein is not an offer to sell, or to solicit an offer to purchase, any securities by anyone in any jurisdiction in which such offer or solicitation is not authorized, or in which KIS and/or Key Insurance Agency may not be qualified or registered to do so, or to anyone in any jurisdiction outside of the United States. 

THIRD PARTY LINKS

Key is pleased to make available to you links to other sites on the World Wide Web. Key believes the links from its Site are to reputable companies. However, Key makes no representations or warranties regarding the non-Key websites or the companies maintaining them. Key does not control or monitor such websites, and Key does not endorse the content or the use of any other Website. If you choose to access non-Key Websites through links on our pages, you accept responsibility for all related risks.


TOOLS AND CALCULATORS

This Site may contain tools and calculators provided by Key or its vendors as a service to you for educational purposes only. Key and its vendors do not guarantee the accuracy of these tools or calculators or the results and expressly disclaim all liability for any damages of any kind arising out of your use of these tools and calculators.


SUBMISSIONS

You agree to provide true, accurate, current and complete information about yourself when you elect to provide personal information to Key via its Site. You also agree to maintain and promptly update any such information to keep it accurate.


PRIVACY; SECURITY

We understand the need to safeguard your information and records from unauthorized use and disclosure. Please see the KeyCorp Privacy Policy and Security Disclosures posted on the Site. 

COPYRIGHT & TRADEMARKS

The trademarks, logos and service marks ("Marks") displayed on the Site are the property of Key and other parties. You are prohibited from using any Marks without the written permission of Key or such third party which may own the Marks. All content displayed or available through the Site is protected by copyright. You are prohibited from modifying, copying, distributing, transmitting, displaying, publishing, selling, licensing, creating derivative works, or using any content on the Site for any commercial, public, or unlawful purpose.


NOTICES AND PROCEDURE FOR MAKING CLAIMS OF COPYRIGHT INFRINGEMENT

Pursuant to Title 17, United States Code, Section 512(c)(2), notifications to Key of claimed copyright infringement should be sent to the Service Provider's Designated Agent. See Notice and Procedure for Making Claims of Copyright Infringement.


CROSS BORDER TRANSMISSION OF DATA
You acknowledge and agree that by providing Key with your personal or proprietary information in any application or transaction request through this Site, you hereby consent to the transmission of such personal or proprietary information to or by Key, and its service providers or marketers, over state and international borders as necessary for handling your application or transaction request in accordance with Key's standard business practices, subject to Key's Privacy Policy. 

ILLEGAL, FRAUDULENT OR IMPROPER ACTIVITY

You will not use this Site or any financial service or product by Key for any illegal, fraudulent, unauthorized, or improper activity (a "Prohibited Use"). If we suspect that you may be engaging in any Prohibited Use, including any violation of any terms or conditions relating to this Site or any financial service or product by Key, your access to this Site and any financial service or product may be suspended or terminated without notice. Also, access to this Site or your financial transactions may be suspended or terminated if any access device or code has been reported lost or stolen, or you do not follow Key's applicable security procedures, or when Key reasonably believes that there is unusual activity on any of your financial accounts with us. You agree to cooperate fully with Key to investigate any suspected Prohibited Activity or unauthorized use.


AVAILABILITY

This Site is not intended for distribution to, or use by, any person or entity in any jurisdiction or country where such distribution or use would be contrary to applicable law or regulation. Key will restrict the availability of the Site during the time when you are in the following countries: Cuba, Iran, Liberia, Myanmar/Burma, North Korea, Sudan, and Syria in order to facilitate Key's compliance with the U.S. laws administered by the Office of Foreign Assets Control.


NO WARRANTIES

THIS SITE AND RELATED SERVICES AND ALL INFORMATION AND MATERIALS CONTAINED IN OR AVAILABLE THROUGH THIS SITE ARE PROVIDED "AS IS" OR "AS AVAILABLE". KEY DOES NOT WARRANT THE ACCURACY, ADEQUACY OR COMPLETENESS OF THIS INFORMATION AND MATERIALS, AND KEY EXPRESSLY DISCLAIMS LIABILITY FOR ERRORS OR OMISSIONS IN THIS INFORMATION AND MATERIALS. THERE IS NO WARRANTY THAT ANY SERVICE, PRODUCTS, MATERIALS OR OTHER CONTENT AVAILABLE ON OR THROUGH THIS SITE, OR KEY'S COMPUTER SYSTEM WILL FULFILL ANY OF YOUR PARTICULAR PURPOSES OR NEEDS.

NO WARRANTY OF ANY KIND, IMPLIED, EXPRESSED OR STATUTORY INCLUDING THE WARRANTIES OF NON-INFRINGEMENT OF THIRD PARTY RIGHTS, TITLE, MERCHANTABILITY OR QUALITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY OF INFORMATION CONTENT, INFORMATION ACCESS AND ORDER EXECUTION, FREEDOM FROM COMPUTER VIRUS, IS GIVEN BY KEY IN CONNECTION WITH THIS SITE OR AVAILABLE INFORMATION AND MATERIALS, EVEN IF KEY HAS BEEN ADVISED OR IS OTHERWISE AWARE OF THE POSSIBILITY OF SUCH DAMAGES. 

LIMITED LIABILITY

IN NO EVENT SHALL KEY OR ANY VENDOR BE LIABLE FOR ANY DAMAGES, INCLUDING ANY INCIDENTAL, CONSEQUENTIAL, SPECIAL, DIRECT OR INDIRECT DAMAGES, LOSSES, OR EXPENSES ARISING IN CONNECTION WITH THIS SITE OR ANY LINKED WEBSITE, OR USE THEREOF OR INABILITY TO USE, BY ANY PARTY OR IN CONNECTION WITH ANY FAILURE OF PERFORMANCE, ERROR, OMISSION, INTERRUPTION, DEFECT, DELAY IN OPERATION OR TRANSMISSION, COMPUTER VIRUS OR LINE OR SYSTEM FAILURE, EVEN IF KEY, OR ITS REPRESENTATIVE THEREOF, IS ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, LOSSES OR EXPENSES, EXCEPT AS LIMITED BY APPLICABLE LAW. SOME STATES DO NOT ALLOW THE EXCLUSION OR LIMITATION OF INCIDENTAL OR CONSEQUENTIAL DAMAGES, SO THE ABOVE MAY NOT APPLY TO YOU.


INDEMNITY

You agree to indemnify, defend and hold Key and its vendors harmless from and against all claims, losses, liability, cost, and expenses (including attorneys' fees) arising from your violation of this User Agreement or misuse of this Site, or any service, product, information or materials provided through this Site. Your obligations under this Section will survive your termination of access to or use of this Site, or nonuse of any service, information or material.


CHANGES TO USER AGREEMENT

Key reserves the right to modify this User Agreement at any time without notice, but the most current version of the User Agreement will always be available to you by clicking on the link at the bottom of this Site. If you find the User Agreement unacceptable at any time, you may discontinue your use of this Site, but such User Agreement shall survive such discontinuation with respect to activity occurring prior to such discontinuation. By continuing to use this Site after the date of any change of this User Agreement, including accessing the Site, you agree to be bound by the provisions contained in the most recent version of this User Agreement.


ENFORCEABILITY

In the event any of the provisions of this User Agreement shall be held to be unenforceable, the remaining provisions shall be unimpaired, and the unenforceable provision shall be replaced by such enforceable term or provision as comes closest to the intention underlying the unenforceable term or provision. This User Agreement shall be subject to any other agreements you have entered into with Key.


APPLICABLE LAW; FORUM

This Site (excluding linked sites) is controlled by Key from its offices within the State of Ohio, United States of America. By accessing this Site, you agree that all matters relating to your use of this Site shall be governed by the statutes and laws of the State of Ohio, and the federal laws of the U.S.A., without regard to the conflicts of laws principles thereof. The application of the United Nations Convention of Contracts for the International Sale of Goods, and the model Uniform Computer Information Transactions Act approved by the National Conference of Commissioners on Uniform State Laws (as enacted and/or modified into any state law in the U.S.A.), are expressly excluded and shall not apply.


JURISDICTION AND VENUE

You agree and hereby submit to the exclusive personal jurisdiction and venue of the State courts in Cuyahoga County, Ohio, and the United States District Court for the Northern District of Ohio, Eastern Division, with respect to all matters relating to your use of this Site and any information or materials available through this Site. You hereby consent to such jurisdiction and venue.


ARBITRATION

The terms and conditions of Key's Arbitration Provision posted on this Site is incorporated into and made a part of this User Agreement. 

ELECTRONIC COMMUNICATIONS

To the fullest extent permitted by applicable law, this User Agreement and any other agreements, notices, disclosures, messages or alerts, or other communications regarding the Site or any financial service or product with Key (collectively referred to as "Communications"), may be provided to you electronically and you agree to receive Communications in an electronic form. Electronic Communications may be posted on the pages within this Site and/or delivered to your e-mail address on record with us. You will print a paper copy of any electronic Communication and retain it for your records. All electronic Communications will be considered to be "in writing," and to have been received and effective upon posting on this Site or dissemination to your email address, whether or not you have retrieved or read the electronic Communication. Key reserves the right to provide Communications in paper format. Your consent to receive Communications electronically is valid until you revoke your consent by notifying Key by a paper writing of your decision to do so. If you revoke your consent to receive Communications electronically, Key may terminate your right to use the Site or obtain electronically Key's financial services or products (including redeeming any deposit accounts), and you accept sole liability for any early withdrawal penalty, tax or other consequence resulting from an involuntary termination of a Financial Service, to the extent permitted by law.


ELECTRONIC SIGNATURE; ELECTRONIC RECORDS

At Key's option, Key may adopt or accept commercially reasonable authentication procedures and security procedures to: (a) verify the identity of a sender of Electronic Records, (b) determine the Electronic Record has not been altered during electronic transmission or storage, and (c) authenticate the sender's Electronic Signature and attribute the Electronic Record to such sender, subject to such terms, conditions, and disclosures as Key may impose from time to time. You may adopt as your signature an electronic identification consisting of symbol(s) or code(s) or sign online by enrolling in a service or applying for a financial product and clicking on an "accept button" ("Electronic Signatures"), subject to Key's customer authentication and security policies and procedures applicable to this Site, which may be affixed or logically associated with such electronic agreements, disclosures, notices, records or data ("Electronic Records") transmitted by you to Key or from Key to you. To the extent permitted by applicable law, such Electronic Signature shall be sufficient to verify and authenticate your identity and to evidence your acceptance of and agreement to be bound by the terms and conditions of such Electronic Record.


Revised August 15, 2007