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<form class="t-form">
  <div class="row">
    <div class="order_filed">
      <div class="medium-6 columns marginB30 order1">
        <label> Enter your Current Loan Balance <input class="field" type="text" pattern="[0-9]*" id="loan_size" inputmode="numeric">
        </label>
      </div>
      <div class="medium-6 columns marginB30 order2">
        <label>Select the amount you spend each month on everyday spending</label>
        <div class="amount_slider">
          <div class="reward_range">
            <input type="range" id="monthly_spent" aria-labelledby="Monthly Amount Spent" class="doctor_reward" value="1200" min="0" max="15000" step="50" style="background: linear-gradient(90deg, rgb(183, 183, 183) 8%, rgb(224, 224, 224) 9%);">
            <span class="setRangeValue" style="left: calc(8% - 1.14286px);">$1,200</span>
          </div>
        </div>
      </div>
      <div class="medium-6 columns marginB30 order3">
        <label>Enter your Current Loan Monthly Payment <input class="field" type="text" pattern="[0-9]*" id="loan_monthly_payment">
        </label>
      </div>
      <div class="medium-6 columns marginB30 order4">
        <div class="form-group">
          <label> Total Monthly Cashback (only when applied to eligible Student Loans) </label>
          <input type="text" step="any" min="0" class="field disabledField" id="annual_cashback" disabled="">
          <input type="hidden" id="hdnCashbackRaw" name="hdnCashbackRaw" value="288">
        </div>
      </div>
      <div class="medium-6 columns marginB30 order5">
        <label> Enter your Current Loan Interest Rate (%) <input class="field" type="text" pattern="^\d*(\.\d{0,2})?$" id="loan_interest" inputmode="numeric">
        </label>
      </div>
      <div class="medium-6 columns marginB30 order6">
        <label>
          <a onclick="calreward();" class="button CalculateBTn rewardBtn yellowBtn internal">Estimated Student Loan Savings</a>
        </label>
      </div>
    </div>
  </div>
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Thanks for your interest in joining us!

Laurel Road’s innovative engineering culture is enhanced by the scale and
resources that come with being part of KeyBank N.A., Member FDIC. To see the
full job details and apply for this role, you’ll be redirected to our KeyBank
recruiting site.

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* Lending
* Student Loans
Fast, easy refinancing—without the kinks.
* Mortgages
Buy a home or refinance with confidence.
* Personal Loans
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* Banking
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Redeem cashback towards student loans.
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Save even more when you add linked savings to student loan refinancing.
* High Yield Savings
Build your savings with a highly competitive interest rate.
* Benefits
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Exclusive member discounts on premium brands, subscriptions, and services.
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LAUREL ROAD STUDENT LOAN CASHBACKSM CARD

REDEEM 2% CASHBACK TOWARDS ANY ELIGIBLE MEDICAL SCHOOL LOAN.1

Element/Bulb Line

Introducing the first credit card that lets you redeem 2% cashback towards
student loans with 95% of U.S. servicers. Or, you can redeem 1% cashback towards
anything else.

†See important rate and fee information.

Apply Now

0% INTRO APR

No interest for the first 12 months on balance transfers made in the first 60
days.*

NO ANNUAL FEE†

Take advantage of our $0 annual fee. Plus, no foreign transaction fees.

FLEXIBLE CASHBACK

Redeem 2% cashback towards your eligible student loans, 1% towards anything
else.1

EXTENDED ELIGIBILITY

The first card that lets you redeem cashback with 95% of student loan
servicers.1

*When you transfer your balance within the first 60 days of account opening.
After that, the variable APR on balance transfers will be 13.99% – 22.99%, 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

INTRODUCTORY CASHBACK CREDIT CARD OFFER

EVERYDAY SPENDING CAN HELP YOU EARN $500.3

As a new member, you can earn $500 in cashback rewards towards any eligible
student loan after you spend $5,000 in the first 90 days with your Laurel Road
Student Loan Cashback℠ card.

Apply Now

WORLD MASTERCARD® BENEFITS4

REWARDS THAT UNLOCK A WORLD OF POSSIBILITIES.

Enjoy all the additional rewards of being a World Mastercard® member with your
Laurel Road Student Loan Cashback℠ card.

Apply Now
* Mastercard ID Theft ProtectionTM
* Extended Warranty
* Purchase Assurance
* Mastercard Priceless® Experiences
* Mastercard Global ServiceTM

* STUDENT LOAN CASH BACK CALCULATOR

HOW MUCH COULD YOU SAVE ON STUDENT LOANS?

Enter your Current Loan Balance
Select the amount you spend each month on everyday spending
$1,200
Enter your Current Loan Monthly Payment
Total Monthly Cashback (only when applied to eligible Student Loans)
Enter your Current Loan Interest Rate (%)
Estimated Student Loan Savings

This calculator is for illustrative purposes only. The estimated savings are
based on values you input and the following assumptions: your currently monthly
payment on your loan stays the same over the life of your loan; you make all
required monthly payments on your loan; and the monthly cashback reward payment
is applied as an extra payment directly to your loan principal.

If you pay less than the full credit card balance each month, you should
consider interest charged against any potential savings towards your student
loans.

YOUR ESTIMATED STUDENT LOAN SAVINGS

Start Over

Estimated loan savings after first year
(includes 11 months of cashback)

Estimated savings over the life of the loan

Total loan paid after estimated
cashback savings
(loan amount includes principal and interest)

If you pay less than the full credit card balance each month, you should
consider interest charged against any potential savings towards your student
loans.

EXPLORE OUR FINANCIAL RESOURCES

QUICK TIPS FOR MANAGING YOUR MONEY.

How Much Doctors Should Save for an Emergency Fund

Medical Student Loan Repayment

Creating a Financial Plan

View All Resources

FREQUENTLY ASKED QUESTIONS

QUESTIONS? WE'VE GOT ANSWERS.

How do I apply for the Laurel Road credit card?

You can apply for a Laurel Road Student Loan CashbackSM credit card online.
To start your application, click here.

Which student loan servicers do you work with for the Laurel Road Student
Loan CashbackSM card?

You can use your cashback rewards to pay down student loans being serviced by
most of the major student loan servicing companies, see the full list of
eligible servicing companies below.

Eligible loan servicers include:

* Laurel Road – MOHELA Loan Servicing
* Alaska Commission (ACPE)
* American Education Services
* Aspire Servicing Center
* Bank of North Dakota
* College Ave Student Loans
* College Foundation Inc.
* CommonBond
* CornerStone U.S. Department of Education
* CornerStone Education Loan Services
* Discover Student Loans
* Earnest Operations LLC
* EdFinancial Services U.S. Department of Education
* EdFinancial Services
* FedLoan Servicing Department of Education
* First Mark Services
* Great Lakes U.S. Department of Education
* Granite State Management & Resources
* Granite State Management & Resources – U.S. Department of Education
* Heartland – ECSI
* Kentucky Higher Education Student Loan Corporation
* Launch Servicing
* Lendkey Technologies Loan
* MOHELA-SoFi
* MOHELA – U.S. Department of Education
* Mohela Education Loan Servicing
* National Student Loan Services
* Navient Commercial Loans
* Navient – U.S. Department of Education Loan Servicing
* Navient Private Loans
* NaviReFi
* North Carolina State Education Assistance Authority
* Nelnet ” J “
* Nelnet ” D “
* Nelnet E Department of Education
* NJHESAA or NJ Class
* North Texas HEA
* Oklahoma Student Loan
* Oklahoma Student Loan U.S. Department of Education
* PenFed Credit Union
* ReliaMax Ln. Services LLC
* Rhode Island Student Loan Authority
* RSLFC Payment Center
* Sallie Mae
* SEAA Repayment Services
* Tuition Options
* UAS
* UHEAA
* VSAC Payments
* Wells Fargo Education Loan

How do I get the $500 introductory bonus offer for the Laurel Road Student
Loan Cashback℠ card?

New cardmembers will receive an introductory cashback bonus after spending
$5,000 within 90 days of account opening. The bonus cashback amount will be
$500 if redeemed towards student loans with an eligible servicer. The bonus
cashback amount will be $250 if redeemed for statement credit. For a list of
eligible servicers, click here. Cashback is awarded based on eligible credit
card purchases excluding transactions such as cash advances of any type,
balance transfers, convenience check transactions, overdraft protection
transfers and quasi-cash transactions.

Who do I contact if I have more questions?

If you have questions about the Laurel Road Student Loan Cashback℠ credit
card, you can call (833) 427-2265, or email help@laurelroad.com for
assistance. Specialists are available by phone, chat and email 7 days a week,
from 7:00 AM – 11:00 PM ET.

For TDD/TTY (for the hearing impaired), call 1-800-539-8336.

View All FAQs

†LAUREL ROAD RATE AND FEE DISCLOSURE

Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases
Your APR will be 13.99% to 22.99% based on your creditworthiness. This APR will
vary with the market based on the Prime Rate. APR for Cash Advances 23.99% This
APR will vary with the market based on the Prime Rate. APR for Balance Transfers
0.00% Introductory APR for the first 12 monthly billing cycles following account
opening when balance is transferred within the first 60 days following account
opening. After that, your APR will be 13.99% to 22.99%. This APR will vary with
the market based on the Prime Rate. Paying Interest 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. We
will begin charging interest on cash advances, convenience check advances and
balance transfers on the transaction date. 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 https://www.consumerfinance.gov/learnmore

Fees Annual Fee None 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. Overdraft Protection Transfer Fee $10.00
Foreign Transaction Fee 0% of the amount of each foreign transaction after its
conversion into U.S. Dollars. Refer to Terms & 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 introductory APR and begin charging you the higher APR (for Balance
Transfers) that is specified in the table above and scheduled to take effect
after the introductory APR is no longer effective.

View Cardmember Agreement | View Rates and Fees Table

LAUREL ROAD FOR DOCTORS MEMBER BENEFITS5

Element/Bulb Line

A BANK THAT KNOWS THE VALUE OF A DOCTOR’S TIME.

Element/Bulb Line

We understand that doctors have unique financial needs—that's why we’ve created
customized benefits for physicians and dentists. Discover all the benefits of
being a member.

Explore All Benefits

* Save time & money with Perks!
* Discounts on premium brands
* Tailored Financial Insights
* Quick peer comparison tools
* Premium Care for members

* About KeyBank
* About Laurel Road
* Leadership
* Press
* Refer-A-Friend

* Student Loan
* Savings
* Credit Card
* Mortgage
* Personal Loan
* FAQ

* Contact Us
* Partner With Us
* Sitemap
* Online Privacy Statement
* User Agreement
* Report Suspicious Activity

*
*
*
*
*

Laurel Road is a brand of KeyBank National Association. All products offered by
KeyBank N.A. Member FDIC. NMLS # 399797. Equal Housing Lender. © 2021 KeyCorp®
All Rights Reserved. Laurel Road is a federally registered service mark of
KeyCorp. 855 Main St., 8th Floor, Bridgeport, CT 06604, USA.

DISCLAIMERS

All credit products are subject to credit approval.

1. You will earn 2.0% in Cashback Rewards for each $1 spent on eligible
Purchases if you redeem your Cashback Rewards towards your Student Loan with
an eligible servicer. This equates to $0.02 in Cashback Rewards, for each $1
spent. For example, if you spend $100, you will earn $2.00 in Student Loan
Credit. You will earn 1.0% in Cashback Rewards for each $1 spent on eligible
Purchases if redeemed for a statement credit. This equates to $0.01 in
Cashback Rewards, for each $1 spent. For example, if you spend $100, you
will earn $1.00 in Cashback Rewards. Cashback is awarded based on eligible
credit card purchases excluding transactions such as cash advances of any
type, balance transfers, convenience check transactions, overdraft
protection transfers and quasi-cash transactions.

Eligible student load services include the following:

Laurel Road – MOHELA Loan Servicing; Alaska Commission (ACPE); American
Education Services; Aspire Servicing Center; Bank of North Dakota; College
Ave Student Loans; College Foundation Inc.; CommonBond; CornerStone U.S
Department of Education; CornerStone Education Loan Services; Discover
Student Loans; Earnest Operations LLC; EdFinancial Services U.S Department
of Education; EdFinancial Services; FedLoan Servicing Department of
Education; First Mark Services; Great Lakes U.S Department of Education;
Granite State Management & Resources; Granite State Management & Resources –
U.S Department of Education; Heartland – ECSI; Kentucky Higher Education
Student Loan Corporation; Launch Servicing; Lendkey Technologies Loan;
MOHELA-SoFi; MOHELA-U.S Department of Education; MOHELA Education Loan
Servicing; National Student Lona Services; Navient Commercial Loans; Navient
– U.S. Department of Education Loan Servicing; Navient Private Loans;
NaviReFi; North Carolina State Education Assistance Authority; Nelnet ” J ”;
Nelnet ” D ”; Nelnet E Department of Education; NJHESAA or NJ Class; North
Texas HEA; Oklahoma Student Loan; Oklahoma Student Loan U.S Department of
Education; PenFed Credit Union; ReliaMax Ln. Services LLC; Rhode Island
Student Loan Authority; RSLFC Payment Center; Sallie Mae; SEAA Repayment
Services; Tuition Options; UAS; UHEAA; VSAC Payments; Wells Fargo Education
Loan.

See Terms and Conditions below for more information.

2. 0% Intro APR for the first 12 months on balance transfers when you transfer
your balance within the first 60 days of account opening. After that, the
variable APR on balance transfers will be 13.99% - 22.99% based on
creditworthiness. This APR will vary with the market based on the Prime
Rate. Balance transfer fee is either $10.00 or 3% of the amount of each
transaction, whichever is greater.

DO YOU PAY YOUR BALANCE IN FULL EACH MONTH? If you always pay your balance
in full each month, you do not 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 a
$500 purchase 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. Introductory offer: For a limited time earn a cash back bonus offer after
spending $5,000 within 90 days of account opening. The bonus cashback amount
will be $500 if redeemed towards student loans with an eligible servicer.
The bonus cashback amount will be $250 if redeemed for statement credit.
Cashback is awarded based on eligible credit card purchases excluding
transactions such as cash advances of any type, balance transfers,
convenience check transactions, overdraft protection transfers and
quasi-cash transactions.

4. Benefits are subject to terms, conditions and limitations, including
limitations on the amount of coverage. Coverage is provided by New Hampshire
Insurance Company, an AIG company. Policy provides secondary coverage only.
Please see your Guide to Benefits for details, or call 1-800-MASTERCARD.
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. Click here for
Mastercard World Benefits associated with this card.

5. Eligibility: Laurel Road Perks! and Financial Insights are available to
current Laurel Road Members with an existing credit card, student loan, or
personal loan who are physicians and dentists, including interns, residents,
fellows, clinical professors, researchers, and managing physicians or
dentists with one of the following qualifying medical or dental degrees:
Doctor of Medicine, Doctor of Osteopathic Medicine, Doctor of Dental
Surgery, Doctor of Medicine in Dentistry/Doctor of Dental Medicine, Doctor
of Audiology, Doctor of Chiropractic, Doctor of Naturopathic Medicine,
Doctor of Optometry, Doctor of Podiatry, or Doctor of Veterinary Medicine.

©2021 KeyCorp. Laurel Road is a brand of KeyBank National Association.
KEYBANK NATIONAL ASSOCIATION RESERVES THE RIGHT TO MODIFY OR DISCONTINUE
PRODUCTS AND BENEFITS AT ANY TIME WITHOUT NOTICE.
This information is current as of 03/30/2021. Information and rates are subject
to change without notice.

Terms and Conditions

Laurel Road Student Loan CashbackSM Credit Card Program Terms and Conditions
These Terms and Conditions provide you with detailed information about how the
Laurel Road Student Loan Cashback Credit Card program works, and is an agreement
between you and Laurel Road. This is a separate and independent agreement from
the Cardmember Agreement; however, it is subject to the Arbitration Provision of
the Cardmember Agreement, which is incorporated herein by reference.
Additionally, defined terms used in these Terms and Conditions, unless otherwise
defined herein, will have the meanings ascribed to them in the Cardmember
Agreement. When you, or an Authorized User, use your Account or Card, it means
you accept these Terms. This information is provided to you, the Cardmember,
from us, Laurel Road, a brand of KeyBank National Association, the issuer of
your Key Cashback Credit Card (the “Card”).

1. Definitions. In these Terms, the following words have special meanings:
1. “Cashback Rewards” means the rewards you earn under the Program.
2. “Eligible Purchase” means Purchases of goods and services for personal,
family, or household use you, or an Authorized User, makes, minus any
refunds or returns, and excluding any of the transactions described in
Section 3 below.
3. “Program” means the Key Cashback Credit Card program.
4. “Servicer” means one of the eligible Student Loan servicers listed on
our website, https://laurelroad.com/creditcard, as such list may be
updated from time to time
5. “Student Loan” means any outstanding private loan for “qualified higher
education expenses,” as defined under 26 U.S.C. § 221 et seq., serviced
by an eligible Servicer.
6. “Student Loan Credit” means the Cashback Rewards you redeem towards your
Student Loan.
7. “Terms” means the Key Cashback Credit Card Program Terms and Conditions,
as they may be amended or modified from time to time.
8. “we,” “us,” “our,” and “Laurel Road” means Laurel Road, a brand of
KeyBank National Association, and its affiliates, the issuer of your
Account and Cards.
9. “you,” “your,” and “yours” means any person who applied for the Account
and any other person liable on the Account by any other means.
2. Changes to the Terms or Program.
1. Generally. We may make changes to the Program, and these Terms, at any
time. For example, we may:
* Add new terms or delete terms
* Change how you earn Cashback Rewards
* Change how you use or redeem your Cashback Rewards

We may also temporarily prohibit you from earning Cashback Rewards,
using Cashback Rewards you have already earned, or using any other
feature of the Program. We may supplement these Terms with additional
terms, conditions, disclosures, and agreements, which will be
incorporated into these Terms.

2. When we will provide you with advance notice. We will provide you with
30 days’ prior advance notice of the following types of changes to the
Program or these Terms:
* If we add or increase fees applicable to the Program
* If we change the rate at which you earn your Cashback Rewards
* If we limit the amount of Cashback Rewards you can earn
* If we cancel the Program

We will provide you notice of these types of changes in writing, which,
at our option, may be delivered to you electronically through email or
through our online services.

3. Other notices. We will provide notice of other changes to the Program or
these Terms by posting an updated copy of these Terms when you log into
our website, https://laurelroad.com/creditcard.
3. How you can earn Cashback Rewards. You earn Cashback Rewards when you, or
an Authorized User, uses a Card to make most Purchases of goods and
services, minus refunds or returns. The Account and your Cashback Rewards
are for personal, family and household use, and we reserve the right to
disallow or remove Cashback Rewards awarded for Purchase made for other
than personal, family or household use. Additionally, certain transactions
do not count as Purchases for purposes of earning Cashback Rewards:
* balance transfers
* Cash Advances (such as the purchase of cash or cash equivalents,
including casino chips, lottery tickets, or money orders) or ATM
disbursements
* person-to-person money transfer
* use of any Convenience Checks
* interest on your Account
* unauthorized or fraudulent charges
* fees of any kind, as applicable

Your Cashback Rewards are stored in your Account in dollars and cents and
rounded to the nearest cent. We will add Cashback Rewards to your Account
at the end of each day, based on the Purchases made by you, or an
Authorized User, that post to your Account during the day, but minus any
returns or refunds. The rate you earn on your Cashback Rewards on a
transaction depends on the date on which your Purchase posts to your
Account, which may be up to two (2) business days after you make the
transaction. Your Cashback Rewards amount will be displayed on our website,
at https://laurelroad.key.com and on your Monthly Statement. There may be a
delay between when your Cashback Rewards are added to your Account and when
they are visible to you on the website. We may, from time to time, offer
additional ways for you to view your Cashback Rewards amount, such as
through our mobile applications.

4. What You Will Earn. You will earn 1% in Cashback Rewards for each $1 spent
on eligible Purchases if redeemed for a statement credit. This equates to
$0.01 in Cashback Rewards, for each $1 spent. For example, if you spend
$100, you will earn $1.00 in Cashback Rewards. You will earn 2.0% in
Cashback Rewards for each $1 spent on eligible Purchases if you redeem your
Cashback Rewards towards your Student Loan. This equates to $0.02 in
Cashback Rewards, for each $1 spent. For example, if you spend $100, you
will earn $2.00 in Student Loan Credit.
5. Redeeming Your Cashback Rewards. You can redeem your Cashback Rewards at
any time by visiting our website, at https://laurelroad. key.com, or by
calling us at the number on the back of your Card. You may elect to redeem
your Cashback Rewards either as a statement credit to your Account or a
Student Loan Credit. No other redemption options are available. You may
redeem your Cashback Rewards starting at a penny, and there is no maximum
redemption limit.
1. Redeeming for a Statement Credit. A statement credit will reduce your
Account Balance. Statement credits appear on your Bill as an adjustment
and not as a Payment, so you must continue to pay your Minimum Payment
due each month. Receipt of a statement credit does not affect your
responsibility to pay your Minimum Payment, as shown on your Monthly
Statement. The statement credit will generally be processed within 7
business days from the date you redeem your Cashback Rewards.
2. Redeeming for a Student Loan Credit. If you elect to redeem your
Cashback Rewards for a Student Loan Credit, we will issue the payment to
your applicable Servicer within ten (10) business days. Once the Student
Loan Credit is issued to your Servicer, you understand and agree that we
shall have no further responsibility or control over how quickly your
Servicer may post the Student Loan Credit to your Student Loan or how it
may be applied to the balance of your Student Loan. If your Servicer
returns the Student Loan Credit to us, such amount will be returned to
your Cashback Rewards balance and will again be available for
redemption.
6. Expiration of Cashback Rewards. Your Cashback Rewards have no expiration.
However, provided your Account is not in Default, we will automatically
issue a statement credit to your Account if your Account is closed, if we
are notified of your death and you are the sole owner of your Account, or
if your Account has become inactive. Your Account becomes inactive when you
do not make any eligible Purchases for a twelve (12) month period. If your
Account becomes, and remains, inactive, a statement credit will be issued
to your Account within five (5) business days of December 31 each year.
7. When You Will Not Be Able to Earn or Redeem Your Cashback Rewards. We may
temporarily suspend your Account from earning Cashback Rewards, or using
Cashback Rewards you have already earned, if any of the following occurs:
* If you do not make your Minimum Payment on your Account by the Due Date.
* If we believe you have engaged in fraudulent activity related to your
Account or the Program.
* If we believe you have misused the Program in any way. Examples include,
but are not limited to:
* Buying or selling any Cashback Rewards
* Moving or transferring Cashback Rewards to an ineligible third party or
account
* Repeatedly opening, or otherwise maintaining, credit card accounts for
the purpose of generating Cashback Rewards

If we suspend your participation in the Program, you may begin earning and
using Cashback Rewards again in the next Billing Period after your Account
is current or when we no longer suspect fraud or misuse of the Account or
Program.

8. When You May Lose Your Cashback Rewards. Your Cashback Rewards do not
expire, subject to Section 6 of these Terms, as long as your Account is
open. If you lose your Cashback Rewards pursuant to these Terms, we will
not reinstate them unless we have made an error.
1. Immediate Loss of Cashback Rewards. However, you will immediately lose
any earned Cashback Rewards if your Account status changes, or your
Account is closed for Default, for any of the following reasons:
* You fail to make the Minimum Payment due on your Account within 60
days of the Due Date.
* You fail to comply with these Terms or other agreements you have with
us related to your Account.
* We believe you may be unwilling or unable to pay your debts on time.
* You file for bankruptcy.
* We believe you have engaged in fraudulent or illegal activity related
to your Account or the Program.
* We believe you have misused the Program in any way, including, but not
limited to, the circumstances outlined above in Section 7 of these
Terms.
2. Other Times You May Lose Your Cashback Rewards.
1. Other Account Closures. If your Account is closed for any other
reason, you will have at least 30 days from the date your Account is
closed to redeem your Cashback Rewards; provided, however, that you
have not already lost your Cashback Rewards for any of the reasons
outlined in these Terms. If you do not redeem your Cashback Rewards
before the end of the redemption period we provide you, you will lose
any remaining earned Cashback Rewards.
2. Cancellation of the Program. If we decide to terminate the Program,
you will have at least 30 days from the date we cancel the Program to
redeem your Cashback Rewards; provided, however, that you have not
lost your Cashback Rewards for any of the other reasons outlined in
these Terms. If you do not redeem your Cashback Rewards before the
end of the redemption period we provide you, you will lose any
remaining earned Cashback Rewards.
9. Communications. We may send you communications about the Program at any
mailing or email address we have for you in our records, or through our
website, https://laurelroad.key.com, or our mobile applications. We may
change or terminate all, or part, of these Terms. Any such changes to these
Terms will be in accordance with applicable law, and we will provide you
with notice as required by law.
10. Other Important Information.
1. Cashback Rewards cannot be transferred or moved unless expressly
provided for in these Terms. Additionally, Cashback Rewards cannot
otherwise be transferred by operation of law, such as by inheritance, in
bankruptcy, or in connection with a divorce.
2. We may assign our rights and obligations under these Terms to a third
party, who will then be entitled to any of our rights that we assign
them.
3. We are not responsible for any disputes you may have with any Authorized
Users on your Account about the Program.
4. We, and our affiliates, directors, officers, employers, agents, or
contractors make no representations or warranties, either express or
implied, including, but not limited to, those of merchantability,
fitness for a particular purpose or use, and otherwise arising from law,
custom, usage, trade practices, course of dealing, or course of
performance. You release us, and our affiliates, directors, officers,
employers, agents, and contractors for all activity in connection with
the Program, including, but not limited to, use of the Program, and any
redemption of Cashback Rewards through the Program.
5. You agree to indemnify us, and our affiliates, directors, officers,
employers, agents, or contractors harmless from and against any loss,
damage, liability, cost, or expense of any kind (including attorneys’
fees) arising from you or your Authorized Users’ use of the Program, any
fraud or misuse of the Program, violation of these Terms, and/or
violation of any applicable law or the rights of any third party.
6. The Program is void where prohibited by federal, state, or local law.
7. These Terms and the Program will be governed by federal law, and to the
extent state law is applicable, the laws of the state of Ohio, and these
laws will apply no matter where you are or use the Program.
8. We may enforce these Terms at any time. We may delay enforcement without
losing our right to enforce these Terms at a later time. If any
provision of these Terms are determined to be void or unenforceable
under any law, rule or regulation, all other provisions of these Terms
will remain valid and enforceable.

Last Version: January 2021

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