Get 100,000 bonus points - redeemable for $200.001! You deserve it.

Please note important qualification information below.

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Rewards are just around the corner.

When you open a new Key2More Rewards credit card, have an open KeyBank checking account and spend $500 in the first 60 days, you can earn 100,000 rewards bonus points which can be redeemed for $200.001 .

Take advantage of all the benefits of your Key2More Rewards credit card.

Don't wait – accept your offer and you could earn up to 100,000 bonus points1.

Please note important qualification information below.

Have Questions?

Call us at 1-888-KEY-1234. For clients using a TDD/TTY device, please call 1-800-539-8336.

Your Key2More Rewards credit card is an open-end credit account that has no set term. You will have easy, convenient access to available funds by a Key2More Rewards credit card. There is no annual fee for this account. All fees, including balance transfer fees, are included in the monthly minimum payment which will equal the greater of $30.00 or 1% of the outstanding balance on the account plus fees and interest charges. The Annual Percentage Rate (APR) for your KeyBank Key2More Rewards credit card is variable and will equal The Wall Street Journal Prime Rate plus a margin, which is based on creditworthiness. The Prime Rate used in this solicitation is 5.00% and was in effect within 30 days of this offer being provided to you.

You may accept this offer by clicking the accept button above or by stopping in at your local KeyBank branch. You must mention your marketing code to accept this offer.

1

To qualify for introductory bonus points for opening a credit card, you must have a KeyBank checking account open and in good standing prior to account opening and spend $500 with this credit card within 60 days of account opening. Eligible spend does not include cash advances of any type, balance transfers, convenience check transactions, overdraft protection transfers, or credits. For full details, see the KeyBank Rewards Program Terms & Conditions and Points Guide, which are subject to change and may be found at key.com/rewards. Limit one introductory reward per client.

2

Monthly bonus points are awarded per credit card account based on the aggregate amount spent per month by all cardholders linked to the credit card account. Points for spending $2,000 or more in eligible purchases are awarded in two 25% increments, the first when $1,000 in eligible purchases is achieved and the second when $2,000 in eligible purchases is achieved, so that the total adds up to the 50% bonus. Bonuses are based on the total eligible purchase transaction points earned in a calendar month. If your credit limit is less than $2,000 you will need to make payments (in addition to your required payment) throughout the calendar month in order to reach the spend limits required to earn monthly bonus points.

3

Issuer provides zero fraud liability for unauthorized transactions. Cardholder must notify issuer promptly of unauthorized use. Certain conditions and limitations may apply.

KeyBank Rate and Fee Disclosure

Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases 0.00% Introductory APR for the first 6 monthly billing cycles on purchases made within the first 60 days of account opening. After that, your APR will be 14.74% to 23.74% based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
APR for Cash Advances 25.74% This APR will vary with the market based on the Prime Rate.
APR for Balance Transfers 0.00% Introductory APR for the first 6 monthly billing cycles following account opening when balance is transferred within the first 60 days following account opening. After that, your APR will be 14.74% to 23.74% based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
How to Avoid Paying Interest on Purchases Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date of each month.
Minimum Interest Charge If you are charged interest, the charge will be no less than $0.50.
For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore.
Fees
Annual Fee No annual fee
Transaction Fees:
Balance Transfer Fee Either $10.00 or 3% of the amount of each transaction, whichever is greater.
Cash Advance Fee Either $10.00 or 4% of the amount of each transaction, whichever is greater.
Convenience Check Advance Fee Either $10.00 or 3% of the amount of each transaction, whichever is greater.
Cash Equivalent Fee Either $10.00 or 4% of the amount of each transaction, whichever is greater.
Overdraft Protection Transfer Fee $10.00
Foreign Transactions 3% of the amount of each foreign transaction after its conversion into U.S. Dollars. Transactions originating in Canada are excluded from this fee. Refer to Terms and Conditions.
Penalty Fees:
Late Payment Up to $39.00

How We Calculate Your Balance: We use a method called the average daily balance method (including new purchases). See your Cardmember Agreement for details.

Loss of Introductory APR: If you make a late payment, we may end offering you a lower APR and begin charging you the higher APR (for both Purchases and Balance Transfers) that is specified in the table above and scheduled to take effect after the Introductory APR is no longer effective.

Ohio Residents: The Ohio laws against discrimination require that all creditors make credit equally available to all credit worthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio civil rights commission administers compliance with this law. New York and Maine Residents: You agree to give us permission to obtain one or more credit reports from consumer reporting agencies in connection with this application, any transaction or extension of credit that may result from this application, and on an ongoing basis, for the purposes of performing a routine and occasional verification of credit on the Account, taking collection action on the Account, or for any other legitimate purposes associated with the Account. Upon your request, you will be informed of whether or not a consumer credit report was ordered, and if it was, you will be given the name and address of the consumer reporting agency that furnished the report. New York Residents: New York residents may contact the New York State Department of Financial Services by telephone at 1-800-342-3736 or visit its website (http://www.dfs.ny.gov/consumer/creditdebt.htm) for free information on comparative credit card rates, fees and grace periods. Vermont Residents: You consent to KeyBank obtaining and verifying information about you (which may include a consumer credit report) that we deem necessary in evaluating your loan application, including information about your employment, banking, and credit relationships. If your application is approved and the loan is made, you also authorize us to obtain additional credit reports or other information about you in connection with reviewing the account, increasing the credit line on the account, for the purpose of taking collection action on the account, or for other legitimate purposes associated with the account. Utah Residents: As required by Utah law, you are hereby notified that a negative credit report reflecting on our credit record may be submitted to a credit reporting agency if you fail to fulfill the terms of your credit obligations.

IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING ACCOUNTS AT KEY

To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify and record information that identifies each customer who opens an account. Therefore, all new and existing customers are subject to the identity verification requirements. When a customer opens an account with any entity within the KeyCorp family of companies, we will ask for the customer's name, address and identification number, and, in the case of an individual, his or her date of birth. For business accounts, we may also obtain this information for individuals associated with the business. We may also request to see a driver's license or other identifying documents. In all cases, Key is committed to protecting the privacy and identity of each of its customers.

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.

All credit products subject to credit approval.