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1.1 Overview

Thank you for choosing the Variable Maturity Time Deposit (VMTD), Key’s variable maturity deposit solution.

The VMTD product was created in 2016 in response to Basel III regulation. The product is an open term time deposit with an additional option to define the maturity to a 31-day term at any time. This maturity option is exercised by providing Key a withdrawal request via KeyNavigatorSM.

1.2 Important KeyBank Policy Information

KeyBank reserves the right to change interest rates at any time. Early withdrawals are not permitted on this account. KeyBank is member FDIC.