KeyDirect® Platinum Cards

Disclaimers

PLEASE NOTE: If you do not meet our criteria for the Platinum Card, Platinum Card with rebate, or Platinum Card with rewards, you will be considered in turn for the Gold Card or Classic Card, which do not have the rebate or reward feature. The Gold and Classic Cards do not have as many benefits as the Platinum Card.

* This introductory rate is not available on the Gold and Classic Cards.

** Points earned under the Reward Program accumulate at 1 point per dollar spent on eligible purchases. Your account must be open and not in default under any Card Agreement. Points expire three years from the end of the calendar year in which they are earned unless we terminate the Program, in which case you will have one year to redeem points. Balance transfers, cash advances, convenience checks, returned purchases, disputed or unauthorized purchases/fraudulent transactions, finance charges and Card Account fees do not earn points unless otherwise specified. We may revise or terminate the Program or any portion thereof with 90 days prior written notice. Rewards may be terminated, substituted or changed without prior notification. You can earn up to 10,000 points per month and up to 120,000 during any calendar year (eligible transactions appearing on your January - December billing statements). Please see complete Terms and Conditions, which will be sent with your card.

*** You earn a 1% rebate on net purchases (net purchases are purchases less returns for credit) made during each billing cycle. Cash transactions, including Cash Advances and Balance Transfers, do not qualify for the rebate. The rebate will be calculated each month based on net purchases posting to your January through December statements and will be paid by statement credit annually in the January statement. If your total rebate is $2 or less, it will be forfeited. The maximum rebate you can earn is $20 per billing statement; $200 per calendar year. Your account must remain open and in good standing in order to receive the rebate. If at anytime your account becomes delinquent, is closed, or is in default, you will forfeit all rebates accrued through the billing cycle in which the account was closed or the delinquency or default occurred. Rebates have no cash value and are not earned until they are redeemed. The Terms and Conditions of the rebate program may be changed or canceled at any time and for any reason with 90 days prior written notice. Certain other restrictions apply. Please see the Rebate Terms and Conditions accompanying the credit card.

**** Open accounts that are not in default under any Card Agreement will receive a rebate calculated as 1% of your net monthly purchases (total purchases less credits and returns). Points will not accumulate on returned purchases, cash advances, convenience checks, transferred balances, fees or finance charges. You may accumulate a maximum of $100 per billing cycle and $300 in any calendar year payable in $100 checks. If your account is closed for any reason, you will forfeit all accumulated rebates. You are responsible for any taxes on rebates. The Terms and Conditions of the Program may be changed or canceled at any time and for any reason with 90 days prior written notice. Certain other restrictions apply. Please see the Rebate Terms and Conditions accompanying the credit card.

To apply, you must be:

• 18 years of age or older
• U.S. resident
• This application is not intended for joint applicants, sole proprietors, other businesses or trusts. All information received by Key will be kept confidential.

Credit Cards are subject to credit approval and issued by Citibank (South Dakota), N.A.

Member FDIC.