you're invited to apply for a Key Cashback® credit card

Key Cashback Credit Card Benefits

Up to 2% Cash Back1 on Every Purchase

when you bank and save with Key. (Even if you do not meet the criteria, you will still earn 1.5%1 on all eligible purchases.)

No Annual Fee2

which gives you even more savings power.

0% Introductory APR

for the first 12 monthly billing cycles on balance transfers3 when the balance is transferred within the first 60 days of account opening. After that, the APR on balance transfers will be 19.24% to 26.24% based on creditworthiness. Avoid being charged interest on purchases when you pay your entire balance (including balance transfer) by the due date each month.

A $ Bonus4

after you spend $1,000 in the first 60 days.

You’re Invited to Apply

This offer is valid only for the name indicated on the letter or email and is nontransferable.

Subject to credit approval.

1

To be eligible for the 2% cash back, you must have a KeyBank checking account, excluding a health savings account, with $1,000 in aggregate deposits per month, excluding transfers from another KeyBank account, and a KeyBank savings or investment account with a minimum daily balance of $1,000. If you do not meet either of the criteria above after 1 month of your account opening, you will earn 1.5% cash back on all eligible purchases. We will determine whether you have met the bank and save criteria on the last Monday of each calendar month, based on your deposit and balance activity over the thirty (30) days prior to the immediately preceding Saturday. If you have not met the bank and save criteria, your Cashback earn rate for the following calendar month will be 1.5%.

Cash back is awarded based on eligible credit card purchases excluding transactions such as cash advances of any type, balance transfers, convenience check transactions, overdraft protection transfers and quasi-cash transactions. Returns will reduce your cash back balance using the earn rate that is in place on the effective date of the return. For example, if you make a purchase that earned 1.5%, and you returned that purchase in a month when you were eligible to earn 2%, your return will be calculated at 2%. See Terms and Conditions, which are subject to change and may be found at Terms and Conditions.

2

The APRs may vary. Currently the undiscounted variable APR for Purchases and Balance Transfers is from 19.24% to 26.24% (depending on your creditworthiness). The variable APR for Cash Advances is 26.24%. Cash Advance fee: 5%, $10 minimum. Convenience Check fee: 4%, $10 minimum. Cash Equivalent fee: 5%, $10 minimum. Balance Transfer fee: 4%, $10 minimum. Overdraft Protection Transfer fee: $10. There is a $0.50 minimum finance charge where interest is due. Foreign Transaction fee: 3% of each foreign purchase transaction in U.S. dollars. Transactions originating in Canada are excluded from this fee. Refer to Terms and Conditions.

3

The 0% introductory APR does not apply to cash advances and is valid for the first 12 billing cycles on balance transfers. Thereafter, the APR may vary. Currently the undiscounted variable APR for Purchases and Balance Transfers is from 19.24% to 26.24% (depending on your creditworthiness). Balance transfers must be made within 60 days of account opening for introductory APR to apply.

4

The introduction bonus may not be available to either (i) current Key Cashback cardmembers, or (ii) previous Key Cashback cardmembers who received a new cardmember bonus within the last 18 months. To qualify for the $ bonus, you must spend at least $1,000 on qualifying purchases with this credit card within the first 60 days of account opening. Exclusions apply. See terms and conditions at Terms and Conditions.

The creditor and issuer of this credit card is KeyBank N.A., pursuant to a license from Mastercard International Incorporated. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.