For help, call us at 1-80o-539-9o55.

KeyBank Key2More Rewards Mastercarde Credit Card

As of Auqust 01.2023

The KeyBank Key2More Rewards Mastercard credit card offers generous rewards and competitive rates. Earn KeyBank Rewards on purchases you make, plus you can boost your evel of rewards if you meet monthiy minimum spend requirements.

nterest Rates and nterest Charges Anrcha Percentage Rate (APR ) for0.00% ntroductory APR fo th frst 6 monhybilingcyles After that. your APR will be 22.24% to 29.24% basec on vour creditworthiness.ThisAPR wilvary wththe market baseo on the Prime Rate

APR for Cash Advances29.24% This APR will varv with the market based on the Prime Rate.

APR for Balance Transfers0.00% introductory APR for the first 6 monthlv billing cycles following account opening when balance is transferred within the first 6o days following account opening. After that, your APR will be 22.24% to 29.24% based on your creditworthiness. This APRwillvarvwiththe marketbased onthe Prime Rate

Paying InterestYour payment due date is at least 25 days aiter the close of each billing cycle. We will not charge you any interest on purchases if you pay vour entire balance bythe due date of eachmonth.

Minimum Interest charge If you are charged interest, the charge will be no less than $o.5o

For Credit Card Tips from theTo learn more about factors to consider when applying for or using a Consumer Financial ProtectionI credit card, visit the website of the Consumer Financial Protection BureauBureau at http:iiwww.consumerfinance.gov/learnmore

For help, call us at 1-80o-539-9o55.

Clients using a TDD/TTY device: 1-800-539-8336.

Rush OrderFee-Card ReplacementS25ifexpedited delivery isreguested

Billing Rights: Iniormation on your rights to dispute transactions and how to exercise those rights is provided in your Cardmember Agreement

How We Calculate Your Balance: We use a method called the average daily balance methodincluding new purchases

Loss of Introductory APR: If you make a late pavment. we mav end oifering you a lower introductory APR and begin charging you the nigher APR Tor both Purchases and Balance Transters that is specitied in the table above and scheduled to take effect atter the introductor APRis nolongerelective

Your APRs are variable rates that will be calculated bv adding a "spread" or "margin" to an index. The index is the Prime Rate as published in the "Monev Rates' section of The Wall Streer Journal. At the end or vour billing period we look at the Prime Rate as published on the last business day or the previous calendar month to determine your index. An increase or decrease in the index will cause a corresponding ncrease or decrease in your variable rates effective as of the first dav or your billing cycle that begins in the same month in which such change in the index is published. If the APR increases vou will pav a higher interest Charge and mav have a higher Minimum Pavment. If The Wall Street Journal ceases to publish the Prime Rate. or ir it changes the deunition or the US Prime Rate we may in our sole discretion. substitute anotner indey

Once anv introductorv APR period has expired. to determine the APR ror Purchases we add 13 74% -20.74% to the Prime Rate.to determine the APRror Balance Transiers. we add 13.74% - 20.74 to the Prime Rate and to determine the APR ror Cash Advances.we add 2o.7496to the Prime Rate.Alrates are determined based on creditworthiness

Subjectto creditapproval