All credit products are subject to credit approval.

To qualify for the $1,000 Key Business Reward Checking® offer:

a. Open a new Key Business Reward Checking® account by 7/24/2026.

b. Make a total of $25,000 or more in deposits into your new qualifying checking account within 30 days of account opening.

c. Maintain an end-of-day balance of at least $25,000 from the date you first reach this balance in the new checking account for at least 90 consecutive days. If the day you first reach the $25,000 balance falls on a weekend or federal holiday, the 90-day maintenance period will begin on the next business day. If the final day of the 90-day maintenance period falls on a weekend or federal holiday, the previous business day’s end-of-day balance will be used to determine eligibility. If your new checking account balance falls below $25,000 at any time within the 90-day Balance Maintenance period, you will no longer qualify for the promotion.

Your bonus will be deposited into your new Key Business Reward Checking® account within 60 days of meeting all requirements. The value of your account-opening offer will be reported on Form 1099-INT. Account must not be closed at the time of bonus payment. Offer is only available if the business entity (SSN/EIN) has not had a KeyBank business checking or KeyBank business savings account during the past 12 months. The minimum opening deposit for a Key Business Reward Checking® account is $25. Limit one account-opening offer per qualifying account. Limit one account-opening offer per business entity (SSN/EIN). Restricted collateral accounts opened by KeyBank are not eligible for this offer. This account-opening offer is subject to cancellation without notice. Valid Social Security Number or Employer Identification Number and U.S. address required to qualify for offer. Employees of KeyBank, its affiliates and subsidiaries are not eligible for this offer.

$600 offer is applied as a statement credit to your new Merchant Services account. To qualify for the offer, your Merchant Services account must meet the following requirements.

The following requirements must be met:

Establish a new Key Merchant Services Relationship.

• A new merchant relationship is defined as a new, unique Tax ID brought to Key Merchant Services for a Merchant account.
• Existing merchant relationships that add new locations (whether under same TIN or new TIN) are excluded from the offer.
• Additional locations and multiple locations for a merchant relationship are excluded.
• Merchant relationships that cancel or close accounts, and then reopen a new MID that would ordinarily qualify for the promotion are ineligible for the offer until at least one (1) year has elapsed since cancellation or account closure.

Merchant Card Processing Requirements:

• Merchant account must process at least $5,000 in credit card and/or debit card volume within three (3) full months of processing once onboarded and the account must be open and active upon the payment date of the offer.
• Telecheck, Gift Card, EBT, and Clover Check Acceptance volumes do not count towards the $5,000 credit card and/or debit card required volume.

Merchant Services account must be in good standing.

• Merchant account must be open and, at the time of offer payout, have no ACH rejections or uncollected chargebacks.

The offer period begins on 1/1/2026 and expires on 12/31/2026 at 11:59 p.m. (ET). The terms of this offer are subject to change or cancellation at any time, for any reason. Merchant Services is subject to credit approval and subject to terms and conditions of service agreement. Clover Go Hardware Only accounts are ineligible for the offer. Payment Facilitator relationships, Integrated Service Vendor relationships, and Independent Sales Organization relationships are ineligible for the offer. Potential Merchant Services customers who are referred to Key Merchant Services through business referral relationships are ineligible for the offer.

To qualify for the $200 bonus, you must spend at least $1,000 on qualifying Purchases within 60 days of account opening. Cash back is awarded based on Net Purchases and specifically excludes transactions such as Cash Advances of any type, Balance Transfers, Convenience Checks, Overdraft Protection transfers, and Quasi-Cash transactions. Please refer to the Business Cash Rewards Program Terms and Conditions (key.com/bizrewards) for additional information.

For applications received between May 1, 2026, and June 30, 2026, that are approved for a new Responsive Line of Credit (the “Account”), are eligible to receive The Wall Street Journal Prime Rate* + 0% (the “Introductory Rate”) for 12 months from the date the Account is opened (the “Introductory Rate Period”). An automatic payment link between your Account and a KeyBank deposit account is required and must be maintained throughout the Introductory Rate Period. The Introductory Rate is only available for Accounts with a minimum line amount of $25,000 and $500,000 maximum. The interest rate on the Account will go back to the interest rate set-forth in the Welcome Letter that you will receive at the end of the Introductory Rate Period, or if you fail to maintain the automatic payment link described above or breach any other agreements entered into, in connection with your Account. *The Wall Street Journal Prime Rate may change. The interest rate on your line of credit will change immediately and correspondingly with a change in The Wall Street Journal Prime Rate. All credit products are subject to collateral and/or credit approval, terms, conditions, and availability and subject to change.