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Agreements and Disclosures

This Online Statement and Document Delivery Authorization (“Authorization”) supplements and modifies your account agreements, including agreements for deposit accounts, lines of credit, loans and credit cards, with us (the “Agreements”), and incorporates by reference our Online Banking Service Agreement and Disclosure (“Online Banking Agreement”). Unless otherwise defined herein, capitalized terms shall have the meaning ascribed to them in the Agreements and Online Banking Agreement. “KeyBank” or “we” or “us” or “our” means KeyBank National Association. “You” or “your” means our customers who are owners, borrowers, or authorized representatives for deposit, credit, and/or investment accounts at KeyBank.

The Service

By executing this Authorization, you, and any other owners, borrowers, or authorized representatives of your eligible and selected deposit, loan, line of credit or credit card account (together, “Designated Accounts”) may receive electronic notice and delivery of Agreements and other communications from us, including without limitation, account opening documents, authorizations for electronic fund transfers, regulatory disclosures, periodic statements, account and service notices, changes in applicable terms, account maturity and default notices, account errors or dispute investigation notices and account applications and certifications (collectively with Electronic Tax Forms, referred to herein as "Electronic Records") through the Website, as described herein (the "Online Document Service" or, as used in this Authorization, the "Service"). Authorized users for credit card accounts are not eligible for enrollment in the Service.

Electronic Records

The Online Document Service allows receipt of, or access to, an electronic version of certain paper-based account statements and other Electronic Records. This Service permits the flexibility of saving and printing your Electronic Records at any time. You will be notified through email when your Electronic Records are ready for viewing. You must confirm your Designated Email Address (defined below) upon enrollment. You may select one or more of the listed Designated Accounts to be enrolled in the Service.

Electronic Tax Forms

The Service also allows receipt of, or access to, an electronic version of certain paper-based tax forms for your Designated Accounts (“Electronic Tax Forms”). Only the Primary Account Holder can view Electronic Tax Forms for a Designated Account. Tax forms will be available for viewing no later than the date required by law.

To request a paper copy of your Electronic Tax Forms, select the Contact Us link on the Website for customer service. Electronic Tax Forms are available on the Website for twenty-four (24) months as long as you continue to be enrolled in Online Banking. If you revoke your Authorization, you will stop receiving Electronic Tax Forms on the Website, and paper copies will be delivered to you via U.S. Mail. For purposes of this section, the “Primary Account Holder” is defined as the individual whose Social Security or Tax Identification Number (“SSN/TIN”) is associated with the Designated Account.

Using This Service May Stop Delivery of Paper Records; Cancelled Checks; Combined Statements

By consenting to this Authorization to use the Online Document Service to electronically access, review, download, save and print selected Electronic Records for your Designated Accounts, you understand and agree that we may no longer deliver in paper form the information (including cancelled checks) contained in your selected Electronic Records. If you or any other owner, borrower or authorized representative on the Designated Accounts, previously combined, or hereafter combine, statements for multiple accounts in which you, individually or jointly with an owner, borrower or authorized representative, those Accounts will be considered as Designated Accounts in connection with this Online Document Service.

After this enrollment, you, or any other owner, borrower or authorized representative may elect to add or delete Designated Accounts from a combined statement and this Online Document Service by visiting a KeyBank branch or contacting us through the Contact Center. Thereafter, any use of the Online Document Service shall constitute acceptance by all owners, borrowers or authorized representatives of such Designated Accounts of the terms of this Authorization. In this Online Document Service, any owner, borrower, or authorized representative on any Designated Account may view Electronic Records for all other Designated Accounts on which they are an owner, borrower or authorized representative (except for Electronic Tax Forms as noted above). However, for another owner, borrower, or authorized representative on a Designated Account to access and view Electronic Records, they must separately sign up for this Online Document Service.

Some Records May Continue to be Delivered in Paper Form

Even though you have requested electronic delivery of selected Electronic Records through the Website, we may, at our discretion, deliver paper copies of your Electronic Records via U.S. Mail to the address we have on file for you.

Email Will Be Your Only Notice That Your Electronic Records Have Been Posted for Access and Review

The only notice that you will receive advising you that Electronic Records are available on the Website will be by email or other electronic message ("Email Notice") sent to the single, specific email address selected and confirmed by you through this Authorization (the "Designated Email Address"). This Email Notice will be the only notice you will receive and no other notice will be sent. Any and all Email Notices sent by us to the Designated Email Address will constitute sufficient and effective delivery and notice to you and all owners, borrowers or authorized representatives, of information contained in your Electronic Records. Unless otherwise prohibited by applicable law, such delivery is sufficient and effective whether or not you access or review the Email Notice, Website, or specific Electronic Record, and shall be deemed to have been delivered to you personally, whether actually received or not. You agree to maintain access to the Website in a manner that gives you continuous ability to access, review, download and print your Electronic Records and to receive all Email Notices to you at the Designated Email Address.

You Must Maintain a Designated Email Address, Internet Access and Review All Electronic Records

You, any other owner, borrower, or authorized representative of a Designated Account must immediately advise us of all changes or updates to the Designated Email Address or, if it becomes inoperative or inactive, must immediately identify another Designated Email Address to be used for the Online Document Service. You may change the Designated Email Address on record for you within Online Banking or by calling Online Customer Service at 1-800-KEY2YOU®.

It is each owner's sole responsibility, whether the content of such Email Notice is delivered by mail, electronic mail or other electronic means, to access and review promptly their own Electronic Records for their own Designated Accounts and other accounts hereafter added to a combined statement and this Online Document Service. All terms in the Electronic Records for the Designated Accounts are binding on each owner, borrower or authorized representative of the Designated Account just as if they were delivered in paper form. The Electronic Records are delivered in a manner to allow you immediate access to download and print the Electronic Records.

Paper Statements Stopped for All Account Owners

For Designated Accounts that are jointly held deposit accounts, any account owner may enroll in the Service. If one account owner enrolls in the Service, remaining account owners will be automatically enrolled provided that the account owner is enrolled in Online Banking and has signed into Online Banking after the Electronic Records election was made. If an account owner does not meet those requirements for automatic enrollment, the account owner will not receive documents in paper or electronic form.

For Designated Accounts that are loans with more than one borrower (“Co-Borrowers”), any Co-Borrower may enroll in the Service. If one Co-Borrower enrolls in the Service, remaining Co-Borrowers will be automatically enrolled provided that the Co-Borrower is enrolled in Online Banking and has signed in to Online Banking after the Electronic Records election was made. If the Co-Borrower does not meet those requirements for automatic enrollment, the Co-Borrower will not receive documents in paper or electronic form.

Authorized users on credit card accounts are not eligible to enroll in the Service. Paper copies of Electronic Records may still be requested in accordance with this Agreement.

You May Withdraw Your Consent to Receive Electronic Records at Any Time: Consequences of Withdrawing Consent

You or any owner, borrower or authorized representative for your Designated Accounts may withdraw your consent under this Authorization for a Designated Account at any time by changing your election to receive your Electronic Records by mail by changing your election in Online Banking or by contacting the Contact Center, though only the Primary Account Holder may change the election for Electronic Tax Forms. A fee for paper delivery of Electronic Records may apply. Electronic posting of your Electronic Records on the Website and transmission of the related Email Notice will continue until the earlier of: (i) termination of the Online Document Service, or (ii) termination of your Designated Account with us ("Termination"). We may terminate the Online Document Service for any, or all, Designated Accounts, or for any or all Electronic Records at any time. Upon such Termination, delivery of paper copies of Electronic Records will resume within a reasonable period. Termination of the Online Document Service does not affect the validity or legal effect of any Electronic Record delivered to you, any owners, borrowers, or authorized representatives through the Online Document Service. Termination of the Online Document Service does not terminate the Online Banking Service unless otherwise so stated.

Rejected Email Notices Will Cancel This Service

If we attempt to send an Email Notice to the Designated Email Address and receive one (1) report from an email service provider or other source that the Email Notice is undeliverable, we will automatically un-enroll you, and any other owners, borrowers or authorized representatives from the Service, and cancel the delivery of any Electronic Records. Upon such Termination, delivery of paper copies of Electronic Records will resume within a reasonable period. After you are unenrolled, paper copies of your Electronic Records will be delivered via U.S. Mail.

You May Receive a Paper Copy of Your Electronic Records at Any Time

We will send you a paper copy of your Electronic Records previously delivered through the Online Document Service at your request. For deposit accounts, the standard fee then in effect and charged for paper delivery of Electronic Records will apply. Paper copies of Electronic Records can be requested by contacting Customer Service at 800-539-1539 or for TTY/TDD calls at 800-539-8336. A request for a paper copy of your Electronic Records does not terminate the Online Document Service. A paper copy of your Electronic Records can be obtained until the copy is no longer required to be maintained as a record for the Designated Account under applicable law or regulation.

Appropriate Computer Equipment and Software Are Required

You agree that you have or will have access at all times to personal computer that supports, at your cost, the Online Document Service's requirement to receive, view, print, save and send Email Notice and Electronic Records in HTML or PDF form, high-level browser encryption, PDF file access, an Internet browser that supports 128 bit encryption, connection to the Internet, and an active and valid email account (as the Designated Email Address). If we change the method of electronic delivery so as to require additional software, upgrades, plug-ins or additional security features in your hardware or software system used by you (herein "System or Hardware Enhancement"), you may terminate the Online Document Service or, alternatively, you agree to upgrade your hardware or software to the requirements of the System or Hardware Enhancement made available to you by appropriate hyperlink on the Website or otherwise. If we determine that a change to the Online Document Service concerning any future System or Hardware Enhancement creates a material risk that you may not be able to access or retain a subsequent Electronic Record, we will notify you of such change and allow you to withdraw your consent for this Online Document Service. As a result, we may terminate this Service until you again enroll in this Service and deliver a new consent to participate in this Service by accepting online the Authorization then posted on the Website.

You May Incur Additional Costs for Using the Service

You understand that accessing Electronic Records through the Website and receiving Email Notices may incur certain costs associated with email, electronic access, downloading, online time and subscription costs associated with third party Internet and telecommunications service providers, personal paper and printing costs, and equipment or software upgrades if necessary. You agree that you will pay all such costs and expenses in connection with your use of the Online Document Service.

You May Incur Additional Costs for Not Using the Service

You understand that not receiving Electronic Records through the Website and/or not receiving Email Notices may incur certain costs associated with paper, printing and U.S. Mail costs. You agree that you will pay all such costs and expenses in connection with your nonuse of the Online Document Service.

Internet Services and Email May Be Subject to Certain Risks and Disruption

Certain risks are associated with the transmission of confidential Electronic Records and Email Notices through the Internet including, but not limited to, unauthorized access, systems outages, delays, disruptions in telecommunications services and the Internet. Email is not private or secure. Any Email Notice sent to you by email is an unencrypted, automatic notice. Although such an Email Notice is not intended to contain personally identifiable confidential financial information, it may contain in its design part or all of your name or other identifier, which could be seen or intercepted by others if delivered to your business address or other computers or electronic devices not exclusively under your control. You acknowledge and agree we shall have no liability if any other person accesses, views, uses or discloses your email notification content. You will not respond to any Email Notice by return email, or use it to request information, service, paper copies or other items or to revoke consent. We are not required to act upon requests made in that manner.

This Agreement Amends and is in Addition to All Other Agreements

The terms and conditions and authorization and consent in this Authorization constitute an agreement by you to use the Online Document Service as described herein, and may be modified or amended by KeyBank upon written notice sent to you or by posting to the Website and sending you an Email Notice or similar written notice thereof. Your continued use of the Online Document Service after such notification of change shall be understood as your agreement to be bound by all such changes. This Authorization is in addition to and part of the terms and conditions of the other agreement(s) governing your use of the Website, and your accounts and relationship with us and constitutes an amendment of those agreements specifically where sections relate to delivery of selected Electronic Records for Designated Accounts.

Miscellaneous

This Agreement shall be governed by and construed in accordance with federal laws and the laws of the State of Ohio, without regard to that state's conflict of law principles. The invalidity or unenforceability of any provision of this Agreement shall not affect the validity or enforceability of any other provision of this Agreement, which shall remain in full force and effect. This Authorization embodies the entire understanding and agreement between you and KeyBank with respect to the Online Document Service and supersedes any prior understandings and agreements relating thereto.