you’re invited to apply for a
KeyBank Latitude® credit card.

you’re invited to apply for a
KeyBank Latitude® credit card.

a change to the KeyBank
Latitude® credit card is good.

A 0% introductory APR good.

you’re invited to apply for a
KeyBank Latitude® credit card.

you’re invited to apply for a
KeyBank Latitude® credit card.

meet the card that could get you closer to financial freedom.

0% introductory APR1 and no annual fee.2

KeyBank Latitude Benefits

0% Introductory APR

For the first 15 billing cycles, your APR on purchases and balance transfers is 0% when the balance transfer occurs within the first 60 days of account opening. After that, it adjusts to 17.24% to 24.24%1 based on creditworthiness. Avoid being charged interest on purchases when you pay your entire balance (including balance transfer) by the due date each month.2

No Annual Fee

Which gives you more savings power.

Secure and Easy to Use

Check out quickly and securely with contactless, Tap & Go® technology. Plus, immediately place a temporary lock on your misplaced or stolen card in online and mobile banking.

All the Benefits of Mastercard®

KeyBank Latitude comes with ID Theft Protection™, Zero Liability Protection3 and more.

KeyBank Latitude Benefits

0% Introductory APR

For the first 15 billing cycles, your APR on purchases and balance transfers is 0% when the balance transfer occurs within the first 60 days of account opening. After that, it adjusts to 17.24% to 24.24%1 based on creditworthiness. Avoid being charged interest on purchases when you pay your entire balance (including balance transfer) by the due date each month.2

No Annual Fee

Which gives you more savings power.

Secure and Easy to Use

Check out quickly and securely with contactless, Tap & Go® technology. Plus, immediately place a temporary lock on your misplaced or stolen card in online and mobile banking.

All the Benefits of Mastercard®

KeyBank Latitude comes with ID Theft Protection™, Zero Liability Protection3 and more.

KeyBank Latitude Benefits

0% Introductory APR

For the first 15 billing cycles, your APR on purchases and balance transfers is 0% when the balance transfer occurs within the first 60 days of account opening. After that, it adjusts to 17.24% to 24.24%1 based on creditworthiness. Avoid being charged interest on purchases when you pay your entire balance (including balance transfer) by the due date each month.2

No Annual Fee

Which gives you more savings power.

Secure and Easy to Use

Check out quickly and securely with contactless, Tap & Go® technology. Plus, immediately place a temporary lock on your misplaced or stolen card in online and mobile banking.

All the Benefits of Mastercard®

KeyBank Latitude comes with ID Theft Protection™, Zero Liability Protection3 and more.

KeyBank Latitude Benefits

0% Introductory APR

For the first 15 billing cycles, your APR on purchases and balance transfers is 0% when the balance transfer occurs within the first 60 days of account opening. After that, it adjusts to 17.24% to 24.24%1 based on creditworthiness. Avoid being charged interest on purchases when you pay your entire balance (including balance transfer) by the due date each month.2

No Annual Fee

Which gives you more savings power.

Secure and Easy to Use

Check out quickly and securely with contactless, Tap & Go® technology. Plus, immediately place a temporary lock on your misplaced or stolen card in online and mobile banking.

All the Benefits of Mastercard®

KeyBank Latitude comes with ID Theft Protection™, Zero Liability Protection3 and more.

KeyBank Latitude Benefits

0% Introductory APR

For the first 15 billing cycles, your APR on purchases and balance transfers is 0% when the balance transfer occurs within the first 60 days of account opening. After that, it adjusts to 17.24% to 24.24%1 based on creditworthiness. Avoid being charged interest on purchases when you pay your entire balance (including balance transfer) by the due date each month.2

No Annual Fee

Which gives you more savings power.

Secure and Easy to Use

Check out quickly and securely with contactless, Tap & Go® technology. Plus, immediately place a temporary lock on your misplaced or stolen card in online and mobile banking.

All the Benefits of Mastercard®

KeyBank Latitude comes with ID Theft Protection™, Zero Liability Protection3 and more.

KeyBank Latitude Benefits

0% Introductory APR

For the first 15 billing cycles, your APR on purchases and balance transfers is 0% when the balance transfer occurs within the first 60 days of account opening. After that, it adjusts to 17.24% to 24.24%2 based on creditworthiness. Avoid being charged interest on purchases when you pay your entire balance (including balance transfer) by the due date each month.3

No Annual Fee

Which gives you more savings power.

Secure and Easy to Use

Check out quickly and securely with contactless, Tap & Go® technology. Plus, immediately place a temporary lock on your misplaced or stolen card in online and mobile banking.

All the Benefits of Mastercard®

KeyBank Latitude comes with ID Theft Protection™, Zero Liability Protection4 and more.

Take Advantage of 0% APR Today

Have Questions?

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

1

The APRs may vary based on the Prime Rate. Currently the undiscounted variable APR for Purchases and Balance Transfers is from 17.24% to 24.24% (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.

2

Do you pay your balance in full each month?

If you always pay your balance in full each month, you do not need to pay interest on your purchases. This is called a grace period. You will lose this grace period if you transfer a balance and do not pay off your entire balance by the payment due date. Even if you pay off all of your purchases in full each month, you will begin to pay interest on those purchases. To avoid interest on purchases, you must pay the entire balance (including the balance transfer amount) each month by the payment due date. Here’s an example: Let’s say you complete a balance transfer or write a $1,000 convenience check. No matter how else you use your card, that part of the balance has the disclosed Introductory APR for the disclosed amount of billing cycles from account opening. Then you make $500 in purchases with your card. Purchases are charged the disclosed purchase APR from the transaction date once you lose your grace period. If you do not pay the entire $1,500 by the payment due date, you will have lost your grace period and therefore you will pay the disclosed purchase interest APR on the $500 in card purchases from the transaction date.

3

Please see terms and conditions which can be found at mastercard.us/zeroliability.

This page contains Mastercard benefits available for new credit card clients. If you already have a KeyBank credit card, your Mastercard benefits may be different from those listed above. Please refer to documents you received when you opened your account or call 1-800-MC-ASSIST for more information.

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

KeyBank Rate and Fee Disclosure

Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases 0.00% Introductory APR for the first 15 monthly billing cycles. After that, your APR will be 17.24% to 24.24% based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
APR for Cash Advances 26.24% This APR will vary with the market based on the Prime Rate.
APR for Balance Transfers 0.00% Introductory APR for the first 15 monthly billing cycles following account opening when balance is transferred within the first 60 days following account opening. After that, your APR will be 17.24% to 24.24% 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 4% of the amount of each transaction, whichever is greater.
Cash Advance Fee Either $10.00 or 5% of the amount of each transaction, whichever is greater.
Convenience Check Advance 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 $40.00

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.

This credit card is an open-end credit account that has no set term. All 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.

Ohio Residents: The Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy 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.

All credit products are subject to credit approval.

Key.com is a federally registered service mark of KeyCorp.

Have Questions?

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

1

The APRs may vary based on the Prime Rate. Currently the undiscounted variable APR for Purchases and Balance Transfers is from 17.24% to 24.24% (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.

2

Do you pay your balance in full each month?

If you always pay your balance in full each month, you do not need to pay interest on your purchases. This is called a grace period. You will lose this grace period if you transfer a balance and do not pay off your entire balance by the payment due date. Even if you pay off all of your purchases in full each month, you will begin to pay interest on those purchases. To avoid interest on purchases, you must pay the entire balance (including the balance transfer amount) each month by the payment due date. Here’s an example: Let’s say you complete a balance transfer or write a $1,000 convenience check. No matter how else you use your card, that part of the balance has the disclosed Introductory APR for the disclosed amount of billing cycles from account opening. Then you make $500 in purchases with your card. Purchases are charged the disclosed purchase APR from the transaction date once you lose your grace period. If you do not pay the entire $1,500 by the payment due date, you will have lost your grace period and therefore you will pay the disclosed purchase interest APR on the $500 in card purchases from the transaction date.

3

Please see terms and conditions which can be found at mastercard.us/zeroliability.

This page contains Mastercard benefits available for new credit card clients. If you already have a KeyBank credit card, your Mastercard benefits may be different from those listed above. Please refer to documents you received when you opened your account or call 1-800-MC-ASSIST for more information.

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

KeyBank Rate and Fee Disclosure

Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases 0.00% Introductory APR for the first 15 monthly billing cycles. After that, your APR will be 17.24% to 24.24% based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
APR for Cash Advances 26.24% This APR will vary with the market based on the Prime Rate.
APR for Balance Transfers 0.00% Introductory APR for the first 15 monthly billing cycles following account opening when balance is transferred within the first 60 days following account opening. After that, your APR will be 17.24% to 24.24% 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 4% of the amount of each transaction, whichever is greater.
Cash Advance Fee Either $10.00 or 5% of the amount of each transaction, whichever is greater.
Convenience Check Advance 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 $40.00

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.

This credit card is an open-end credit account that has no set term. All 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.

Ohio Residents: The Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy 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.

All credit products are subject to credit approval.

Key.com is a federally registered service mark of KeyCorp.

Have Questions?

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

1

The APRs may vary based on the Prime Rate. Currently the undiscounted variable APR for Purchases and Balance Transfers is from 17.24% to 24.24% (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.

2

Do you pay your balance in full each month?

If you always pay your balance in full each month, you do not need to pay interest on your purchases. This is called a grace period. You will lose this grace period if you transfer a balance and do not pay off your entire balance by the payment due date. Even if you pay off all of your purchases in full each month, you will begin to pay interest on those purchases. To avoid interest on purchases, you must pay the entire balance (including the balance transfer amount) each month by the payment due date. Here’s an example: Let’s say you complete a balance transfer or write a $1,000 convenience check. No matter how else you use your card, that part of the balance has the disclosed Introductory APR for the disclosed amount of billing cycles from account opening. Then you make $500 in purchases with your card. Purchases are charged the disclosed purchase APR from the transaction date once you lose your grace period. If you do not pay the entire $1,500 by the payment due date, you will have lost your grace period and therefore you will pay the disclosed purchase interest APR on the $500 in card purchases from the transaction date.

3

Please see terms and conditions which can be found at mastercard.us/zeroliability.

This page contains Mastercard benefits available for new credit card clients. If you already have a KeyBank credit card, your Mastercard benefits may be different from those listed above. Please refer to documents you received when you opened your account or call 1-800-MC-ASSIST for more information.

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

KeyBank Rate and Fee Disclosure

Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases 0.00% Introductory APR for the first 15 monthly billing cycles. After that, your APR will be 17.24% to 24.24% based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
APR for Cash Advances 26.24% This APR will vary with the market based on the Prime Rate.
APR for Balance Transfers 0.00% Introductory APR for the first 15 monthly billing cycles following account opening when balance is transferred within the first 60 days following account opening. After that, your APR will be 17.24% to 24.24% 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 4% of the amount of each transaction, whichever is greater.
Cash Advance Fee Either $10.00 or 5% of the amount of each transaction, whichever is greater.
Convenience Check Advance 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 $40.00

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.

This credit card is an open-end credit account that has no set term. All 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.

Ohio Residents: The Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy 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.

All credit products are subject to credit approval.

Key.com is a federally registered service mark of KeyCorp.

Have Questions?

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

1

The APRs may vary based on the Prime Rate. Currently the undiscounted variable APR for Purchases and Balance Transfers is from 17.24% to 24.24% (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.

2

Do you pay your balance in full each month?

If you always pay your balance in full each month, you do not need to pay interest on your purchases. This is called a grace period. You will lose this grace period if you transfer a balance and do not pay off your entire balance by the payment due date. Even if you pay off all of your purchases in full each month, you will begin to pay interest on those purchases. To avoid interest on purchases, you must pay the entire balance (including the balance transfer amount) each month by the payment due date. Here’s an example: Let’s say you complete a balance transfer or write a $1,000 convenience check. No matter how else you use your card, that part of the balance has the disclosed Introductory APR for the disclosed amount of billing cycles from account opening. Then you make $500 in purchases with your card. Purchases are charged the disclosed purchase APR from the transaction date once you lose your grace period. If you do not pay the entire $1,500 by the payment due date, you will have lost your grace period and therefore you will pay the disclosed purchase interest APR on the $500 in card purchases from the transaction date.

3

Please see terms and conditions which can be found at mastercard.us/zeroliability.

This page contains Mastercard benefits available for new credit card clients. If you already have a KeyBank credit card, your Mastercard benefits may be different from those listed above. Please refer to documents you received when you opened your account or call 1-800-MC-ASSIST for more information.

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

KeyBank Rate and Fee Disclosure

Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases 0.00% Introductory APR for the first 15 monthly billing cycles. After that, your APR will be 17.24% to 24.24% based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
APR for Cash Advances 26.24% This APR will vary with the market based on the Prime Rate.
APR for Balance Transfers 0.00% Introductory APR for the first 15 monthly billing cycles following account opening when balance is transferred within the first 60 days following account opening. After that, your APR will be 17.24% to 24.24% 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 4% of the amount of each transaction, whichever is greater.
Cash Advance Fee Either $10.00 or 5% of the amount of each transaction, whichever is greater.
Convenience Check Advance 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 $40.00

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.

This credit card is an open-end credit account that has no set term. All 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.

Ohio Residents: The Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy 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.

All credit products are subject to credit approval.

Key.com is a federally registered service mark of KeyCorp.

Have Questions?

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

1

The APRs may vary based on the Prime Rate. Currently the undiscounted variable APR for Purchases and Balance Transfers is from 17.24% to 24.24% (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.

2

Do you pay your balance in full each month?

If you always pay your balance in full each month, you do not need to pay interest on your purchases. This is called a grace period. You will lose this grace period if you transfer a balance and do not pay off your entire balance by the payment due date. Even if you pay off all of your purchases in full each month, you will begin to pay interest on those purchases. To avoid interest on purchases, you must pay the entire balance (including the balance transfer amount) each month by the payment due date. Here’s an example: Let’s say you complete a balance transfer or write a $1,000 convenience check. No matter how else you use your card, that part of the balance has the disclosed Introductory APR for the disclosed amount of billing cycles from account opening. Then you make $500 in purchases with your card. Purchases are charged the disclosed purchase APR from the transaction date once you lose your grace period. If you do not pay the entire $1,500 by the payment due date, you will have lost your grace period and therefore you will pay the disclosed purchase interest APR on the $500 in card purchases from the transaction date.

3

Please see terms and conditions which can be found at mastercard.us/zeroliability.

This page contains Mastercard benefits available for new credit card clients. If you already have a KeyBank credit card, your Mastercard benefits may be different from those listed above. Please refer to documents you received when you opened your account or call 1-800-MC-ASSIST for more information.

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

KeyBank Rate and Fee Disclosure

Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases 0.00% Introductory APR for the first 15 monthly billing cycles. After that, your APR will be 17.24% to 24.24% based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
APR for Cash Advances 26.24% This APR will vary with the market based on the Prime Rate.
APR for Balance Transfers 0.00% Introductory APR for the first 15 monthly billing cycles following account opening when balance is transferred within the first 60 days following account opening. After that, your APR will be 17.24% to 24.24% 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 4% of the amount of each transaction, whichever is greater.
Cash Advance Fee Either $10.00 or 5% of the amount of each transaction, whichever is greater.
Convenience Check Advance 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 $40.00

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.

This credit card is an open-end credit account that has no set term. All 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.

Ohio Residents: The Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy 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.

All credit products are subject to credit approval.

Key.com is a federally registered service mark of KeyCorp.

Have Questions?

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

1

The 0% introductory APR does not apply to cash advances and is valid for the first 15 billing cycles on purchases and balance transfers. Thereafter, the APR may vary. Currently the undiscounted variable APR for Purchases and Balance Transfers is 17.24% to 24.24% (depending on your creditworthiness). Balance transfers must be made within 60 days of account opening for introductory APR to apply. 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 & Conditions.

2

The APRs may vary based on the Prime Rate. Currently the undiscounted variable APR for Purchases and Balance Transfers is from 17.24% to 24.24% (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

Do you pay your balance in full each month?

If you always pay your balance in full each month, you do not need to pay interest on your purchases. This is called a grace period. You will lose this grace period if you transfer a balance and do not pay off your entire balance by the payment due date. Even if you pay off all of your purchases in full each month, you will begin to pay interest on those purchases. To avoid interest on purchases, you must pay the entire balance (including the balance transfer amount) each month by the payment due date. Here’s an example: Let’s say you complete a balance transfer or write a $1,000 convenience check. No matter how else you use your card, that part of the balance has the disclosed Introductory APR for the disclosed amount of billing cycles from account opening. Then you make $500 in purchases with your card. Purchases are charged the disclosed purchase APR from the transaction date once you lose your grace period. If you do not pay the entire $1,500 by the payment due date, you will have lost your grace period and therefore you will pay the disclosed purchase interest APR on the $500 in card purchases from the transaction date.

4

Please see terms and conditions which can be found at mastercard.us/zeroliability.

This page contains Mastercard benefits available for new credit card clients. If you already have a KeyBank credit card, your Mastercard benefits may be different from those listed above. Please refer to documents you received when you opened your account or call 1-800-MC-ASSIST for more information.

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

Your KeyBank Latitude credit card is an open-end credit account that has no set term. All fees, including balance transfer fees, are included in the monthly minimum payment which will equal 1% of the outstanding balance (inclusive of all fees other than the late fee), plus interest charges, late fees and any past due amounts, or $30, whichever is greater. The Annual Percentage Rate (APR) for your KeyBank Latitude 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 5.50% and was in effect within 30 days of this offer being provided to you.

KeyBank Rate and Fee Disclosure

Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases 0.00% Introductory APR for the first 15 monthly billing cycles. After that, your APR will be 17.24% to 24.24% based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
APR for Cash Advances 26.24% This APR will vary with the market based on the Prime Rate.
APR for Balance Transfers 0.00% Introductory APR for the first 15 monthly billing cycles following account opening when balance is transferred within the first 60 days following account opening. After that, your APR will be 17.24% to 24.24% 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 4% of the amount of each transaction, whichever is greater.
Cash Advance Fee Either $10.00 or 5% of the amount of each transaction, whichever is greater.
Convenience Check Advance 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 $40.00

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.

This credit card is an open-end credit account that has no set term. All 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.

Ohio Residents: The Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy 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.

All credit products are subject to credit approval.

Key.com is a federally registered service mark of KeyCorp.