Logic One Computers

December 28, 2015 Mr*** *** *** *** *** *** *** *** *** *** Re: *** *** *** *** ** *** *** *** *** Dear Mr***: Thank you for taking the time to contact the Consumer Financial Protection Bureau with your questions and concerns about the banking service KeyBank National Association ("KeyBank") provides to the prior owner of the property you have purchased or intend to purchaseOn behalf of KeyBank, we truly regret any inconvenience that you may have experienced and any frustration you felt since your concerns arose. KeyBank has strict standards and procedures designed to prevent unauthorized access to informationWe apply these standards and procedures in our facilities and online servicesOur safeguards meet or exceed federal standards for protecting customer informationFederal Privacy Regulations prohibit KeyBank from providing account information to a third party without legal authority to do so in writing. Currently, we have no legal documentation demonstrating that you are authorized to access information pertaining to the account in questionFor further information, we kindly ask that you continue to work with your title company or the seller of the property in question. Thank you for allowing us the opportunity to respond to your concernsWe appreciate your business and look forward to continuing to work with youPlease feel free to contact me if you have any questions or additional concernsI will be glad to assist you. Sincerely,Tammie L*** AVP Manager Loan Client Services, cc: Consumer Financial Protection Bureau Richard S***, Executive Client Relations, KeyBank

KeyBank South Main Street Akron, OH 44308. April 13, 2016 Mr*** *** *** *** ** *** *** ** *** RE: Key Advantage Money Market Account No, Ending in *** (the-"Account") *** Complaint No*** Dear Mr***: KeyBank National Association ("Key.Bank") is in
receipt of your-complaint filed with the Revdex.comThank you for taking the time to make us aware of your concerns regarding the Account. Please be assured that KeyBank is committed to providing excellent serviceWe regret any inconvenience or frustration that you may have experienced as a result of this matterI have reviewed the Account and determined that the $in service Charges assessed to the Account since March 30, 2016, were in accordance with KeyBank'S Deposit Account Agreement and Funds Availability Policy (the "Agreement") and the Personal Checking Account Fees and Disclosures (the "Disclosures"), which are provided to all clients at account opening, as well as your having opted in to overdraft consent pursuant to Regulation I have enclosed the most recent copies of the Agreement and the Disclosures for your reviewOur review found no bank error We regret that we are unable to honor additional requests for reimbursement of appropriately assessed service chargesPlease be aware that as per Electronic Fund Transfers Regulation E ("Reg E"), Clients must consent to "opt in" if they want their bank to allow them to overdraw' their account for ATM and everyday debit card transactionsPlease note that only ATM and everyday debit card transactions are affected by Reg E"Everyday" debit card transactions are typical transactions most people make with their debit card in daily shopping"Recurring" debit card transactions, 'such as automatic withdrawals authorized on accounts using 'a debiteard, are not affected.by RegE. Please note that only ATM and everyday debit card transactions are affected by Electronic Fund Transfers Regulation E ("Reg E)"Everyday" debit card transactions are typical transactions most people make with their debit card in daily shopping"Recurring" debit card transactions such as automatic withdrawals authorized on accounts using, a debit card, are not affected by Reg.EOur records indicate that on July 7, you consented to overdraft services pursuant to Reg.E, thereby authorizing KeyBank to assess overdraft fees in the event that an ATM or Everyday debit transaction is presented to the Account against insufficient fundsEnclosed is a 'copy of the confirmation letter that was mailed to the address on the Account. Please be aware that you may change your election at any time by calling 1-888-725-7606, signing on to Online Banking and selecting the Overdraft ServicesOptions link on the Self Service tab, visiting any KeyBank branch Or by completing the online form and mailing it to *** ***, KeyBank, P0, Box 6000, Cleveland, OH Please note that your change will not be effective until the next business day after KeyBank receives itFor additional information concerning this regulatory requirement please visit www.key.com/ODinfo. I would like to take the opportunity to explain why these fees were assessed to the Account:KeyBank posts items to your Account within prior-day and current-day posting, categoriesWithin these categories, we post ATM and debit card transactions based on the authorization date and time, and if the authorization date and time is not available we use settlement date and timeWe post checks in check number orderFor all other types of items within each posting category we post items from lowest dollar amount to highest dollar amount.In assisting you in understanding KeyBank's pending transactions activity, I would like to explain that until a transaction authorization is requested by the merchant, to whom you provide your debit card information, KeyBank has no knowledge, of your purchaseKeyBank has no control over when a merchant requests a transaction authorizationWhen the transaction authorization is requested, a pending transaction is placed on the AccountWhen the actual charge is received from the merchant, the transaction is removed from the pending activity and the actual charge is posted to the AccountThat is the reason it is necessary for the funds to be in the Account prior to making the purchase. For additional clarification, note that weekend transactions will be posted prior to posting the activity conducted during business hours on MondayFor example, on Monday night, any deposits made during the weekend will post before weekend debits, and then any credits made during Monday business hours will post before debits from Monday business hoursYou are responsible for having the funds available to cover a transaction both when the authorization is made and when it posts to the Account; however, an overdraft-related fee is not assessed twice for the same transaction.Please refer to Section in the Agreement as it is relevant to paying kerns on an account in which there may be insufficient funds, as well as payment of associated service chargesThe chart in Sectionillustrates how KeyBank processes transactions, effective November 15, Authorizing items into overdraft when the Account has insufficient funds is also discussed in Section of the Agreement. We are empathetic to the fact that unforeseen circumstances can result in either an overdraft situation or returned itemAs such, KeyBank provides several resources to assist clients in balancing their accountThis includes statements, automated telephone service, toll-free client representative support Online BankingKeyBank also offers overdraft protection to those applicants that meet our qualification criteriaIn addition, KeyBank now offers checking accounts with lower overdraftrelated service chargesPlease visit to view accounts that may meet your needs. Please see Part of the Agreement as it pertains to KeyBank's Funds Availability Policy which indicates that direct deposits of electronic payments, such as Social Security benefits and payroll direct deposits, are available on the business day that the funds are due to youFor example, if your payroll check is directly deposited to the Account, it will be entirely available on the day of depositFor checks not drawn on KeyBank, the first $Of total deposits is available to you as a courtesy on the business day of deposit, with the remaining funds available on the next business dayRegulation CC holds May be placed pursuant to applicable law. Please be advised that mobile deposits made through KeyBank's mobile application are subject to an 11:PM(ET) cut-off timeSubsequently, the first $of total mobile deposits made by 11:P.M(ET) on any business day will be available on that dayThe remaining deposited funds will be available the following business dayMobile deposits made after 11:P.M (ET) on a business day will be considered received the next business dayTherefore, the first $of total mobile deposits made after 11:P.M (ET) will be available on the following business day, with the remaining deposited funds made available on the following day. Please keep in mind that KeyBank does not know what transactions are scheduled to occur on the Account, as we would have no knowledge of your agreements with merchants or third partiesin the future, if you are unable to work directly with the Payee to have the payment postponed or stopped, you can visit your local branch, visit www,key,com or call 1-800-Key2You to place a Stop Payment order. We are empathetic to the fact that unforeseen circumstances can result in either an overdraft situation or a returned itemAs such, KeyBank provides several resources to assist clients in balancing their accountThis includes statements, automated telephone service, toll-free client representative support and Online BankingKeyBank also offers overdraft protection to those applicants that meet our qualification criteria, In addition, KeyBank now offers checking accounts with lower overdraft related service chargesPlease visit w-ww.ke=to view accounts that may suit your needs. My review found that on March 29, 2016, the beginning available balance in the Account was at zero, which was reduced to (-$7.28) by a prior day debit from ***, in the amount of $The Account balance was further reduced to (-$22.82) by two (2) prior day debits, totaling $Check No***, in the amount of $61,06, was then presented to the Account for payment, and returned unpaid due to insufficient fundsSubsequently, the Account was assessed a $39,Returned ItemCharge on the following business day, March 30, 2016. Please be advised that the Mobile Deposit completed on March 29, 2016, in the amount of $630.44, was done at 1:P.M(EST), or after the cut-off time as disclosed in the AgreementSubsequently, this transaction was part of the following day's activity on March 30, 2016, For your.review, I have enclosed copies of the Noticesof Insufficient Funds and Charges to Your Account, which KeyBank made available to you since March 30, 2016, and illustrate how the Account incurred overdraft-related service charges since March 29, 2016. In closing, please know that KeyBank values your feedback anti the opportunity to address your concernsWe appreciate your business and look forward to continuing to work with youPlease feel free to contact me at (330) 258-(TTY/TDD for the Hearing Impaired: 1400539-8336) if you have any questions or additional concernsI will be glad to assist you. Sincerely, DebraLK*** Operations Leader Enclosures cc: Jeanette P***, Executive Client Relations, Office of the President C

Jewel has been unsuccessful in providing any resolve to my complaintI have provided multiple sets of verification paperwork in November, December and , again in January proving the payments were submittedMy credit score is still being negatively affected every weekHarassing collection calls
continue even though they are aware I'm working with Jewel in executive relationsLast week was the first time Jewel provided me an alternate way to continue making my payments now that its over months behind according to their collection records although payments were generated as originally directedAt this point I find this timeline of resolve absolutely unacceptableThis needs to be fixedJewel has my documents proving my payments were made to Key bankThe resolution needs to be my account reflecting the original payments made, plus all negative credit reporting to be removed on all credit reportsAny and all late/penalty/interests and associated fees need to be removed, and an appropriate grace period to pay the new reflected balance until back on scheduleWhen this all started *** *** maintained my loan with no problems and I made payments ahead of schedule and additional amount paid every weeks, Key bank advised me to continue generate my payments through the same method as beforeI am an honest consumer having my name, credit, and integrity being degraded due to key banks errorsPlease di the right thing and fix this immediately so I don't have to continually be harassed and helplessly watch my credit score suffer costing me the ability to close on a homeThank you for your time

I would like to inform the Revdex.com that I was contacted by KeyCorp and the dispute has been resolved favorablyThe money was withdrawn in full, a representative (Jenny) from KeyBank Executive offices contacted me and agreed that the form letter mailed to me, which said that no action need be taken in order for a CD to auto-renew, was misleading without language stipulating that there are a limited number of automatic renewals before the account is declared inactiveThey stated that it will remain their policy that persons declared minors will remain permanently minors unless KeyBank is notified in person via a local branch…I suppose to prove that one has actually aged? In any event, KeyBank’s response has been satisfactory

KeyBank Public SquareCleveland, OH 44144April 4, 2016Revdex.com Attn: *** ***Euclid Avenue, 4th Floor Cleveland, OH 44115-2408RE: Ms*** ***Revdex.com Complaint No***Dear *** ***:KeyBank National Association (“KeyBank”) is in receipt of a
complaint filed with your office by *** ***. On April 1, 2016, KeyBank responded to Ms***’s concerns in writing. Upon receipt of the complaint, we initiated a thorough review of your account. We confirmed that Ms*** called our Hazard Insurance Processing Center on March 11, because of her receipt of a cancellation notice for non-payment of her homeowner’s insurance. Records reflect that on January 27, 2014, a check in the amount of $was sent to Homesite Insurance to c***r the cost of her annual premium payment. The check was returned on February 28, because the voucher was missing. A conference call was then held on March 19, 2014, at which time Ms*** authorized a second disbursement since the returned check had not been received yet. An ***rnight payment was processed in the amount of $to reinstate the policy with no lapse in c***rage. The returned check was subsequently received on March 21, and the funds were applied back to the client’s escrow accountIn January 2015, during our annual escrow review, an escrow account ***rage was identified and a check was sent to Ms*** for $On January 21, 2016, a call was again made to Homesite Insurance for the renewal information and was advised that the policy was canceled, effective on January 30, 2015. On the same day, a letter was sent to notify the client of the cancellation and to request proof of preferred insurance c***rage. A second notice requesting proof of preferred insurance c***rage was sent February 22, 2016. On February 23, 2016, we received a call from Ms*** regarding the cancellation notice. It was disc***red that because of an error in disbursement of the insurance renewal from the escrow account, the policy had lapsed for non-payment of the premium and could not be reinstated. The insurance company placed new c***rage on the property, but with a higher premium than what the client was able to obtain in the past. On February 29, 2016, we received the new policy, policy #381009120991301, with effective dates from February 24, through February 24, 2016. Despite the lapse in c***rage from January 30, through February 24, 2015, we confirmed that the client was not billed for the period of the lapse. Further review of the account reflects that on March 1, 2016, we received a policy for the period February 24, through February 24, 2017. The Lender-Placed insurance was rem***d, effective on February 24, 2016. As a gesture of goodwill and demonstration of our appreciation for Ms***’s business, a reimbursement in the amount of $was applied to the escrow account. This is the difference between the current annual premium of $and the previous premium in the amount of $548.00.We appreciate the opportunity to respond to Ms***’s concerns with quality and integrityThank you for your consideration in this matter.Sincerely,Lisa B***Executive Client RelationsOffice of the President

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me.
Regards,
*** ***

[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me.
Regards,
*** ***

KeyBank Executive Offices Public Square Cleveland, OH August 11, Revdex.com Attn: Ms*** *** Euclid Avenue, 4th Floor Cleveland, OH 44115- RE:
Ms*** *** Revdex.com Case No*** Dear Ms***: KeyBank National Association (“KeyBank”) is in receipt of a complaint filed with your office by Ms*** ***. We understand the importance of our client’s financial wellnessPlease be assured that KeyBank is committed to providing excellent serviceOn August 5, 2016, KeyBank delivered our resolution to Ms*** ***’s concerns verbally Please be advised, in order for KeyBank to provide any additional information to the Revdex.com, KeyBank would need for you to provide us with the Release Authorization Form We appreciate the opportunity to respond to Ms***’s concerns with quality and integrityThank you for your consideration in this matter Sincerely, Jeanette P*** Jeanette P*** Executive Client Relations Office of the President

KeyBankExecutive OfficesPublic SquareCleveland, OH 44144March 17, 2016Revdex.comAttn: Ms*** ***Euclid Avenue, 4th FloorCleveland, OH 44115-2408RE: *** *** Revdex.com Case No11132215Dear MsIbrahim: KeyBank National Association (“KeyBank”) is in
receipt of a complaint filed with your office by Mr*** ***On March 16, 2016, KeyBank verbally responded to Mr***’s concernsWe understand the importance of our client’s financial wellnessIn regard to the extended holds which may be placed on a deposited check, our general policy is to allow clients to withdraw the funds deposited no later than the business day after the day of your deposit; however, in some cases we may delay their availability to withdraw those funds. KeyBank’s Deposit Account Agreement and Funds Availability Policy (the “Agreement”, copy enclosed), which is given to all account holders upon account opening, details this policy. KeyBank’s Policy complies with Regulation CC, or the Funds Availability ActRegulation CC provides direction to banks on holding funds from checks. This information is described in Part II, Section of the Agreement. For more information, please visit: http://www.helpwithmybank.gov/get-answers/bank-accounts/funds-availability/bank-...⇄ records show that Mr*** made a mobile deposit on February 5, 2016, which included a check, in the amount of $(copy enclosed). In accordance with Regulation CC and the Agreement, the deposit was subject to an Exception Hold, as described in the Agreement shown above. On February 8, 2016, a Hold Notice (copy enclosed) was mailed to the address on file, advising that the amount of $was held until February 17, 2016. Our records show that the funds from this deposit became fully available on February 17, Please be advised that our review found no bank error. Subsequently, KeyBank is unable to honor Mr***’s request for monetary compensation. Additionally, please know that I had the opportunity to deliver this information to Mr*** by telephone on March 16, 2016.We appreciate the opportunity to respond to Mr***’s concerns with quality and integrityThank you for your consideration in this matterSincerely, Ashley B***Executive Client RelationsOffice of the President Enclosures

KeyBankExecutive Offices Public SquareCleveland, OH 44144 June 8, 2016 Revdex.com Attn: Ms*** ***Euclid Avenue, 4th Floor Cleveland, OH 44115-2408 RE:
*** ** ***Revdex.com Case No*** Dear Ms***: KeyBank National Association (“KeyBank”) is in receipt of a complaint filed with your office by *** ***. We understand the importance of our client’s financial wellnessPlease be assured that KeyBank is committed to providing excellent serviceOn June 7, 2016, KeyBank responded to Mr***’s concerns in writing. Please be advised, in order for KeyBank to provide any additional information to the Revdex.com, KeyBank would need for you to provide us with the Release Authorization Form We appreciate the opportunity to respond to Mr***’s concerns with quality and integrityThank you for your consideration in this matter. Sincerely, Jewel J*** Jewel J***Executive Client RelationsOffice of the President

January 29, 2016 Revdex.com Attn: *** ***Euclid Avenue, 4th Floor Cleveland, OH 44115-2408 RE: Ms***
*** Revdex.com Complaint No*** Dear *** ***: KeyBank National Association (“KeyBank”) is in receipt of a complaint filed with your office by Ms*** *** on January 14, Please be advised on January 15, 2016, Ms*** also filed the same complaint with the *** *** *** *** (the “***”). Our records show Ms*** paid her line of credit down to a zero balance in December, This payment was a principal only paymentAfter the principal only payment was processed there was still a small amount of interest that needed to be satisfied In January, Ms*** came into the branch to pay off the line of creditAt that time the small amount of interest was paid, a reconveyance fee was assessed, and the line was closedPlease know the reconveyance fee is a fee that the county charges to have the lien released KeyBank has begun processing the lien release to the county and a paid in full letter has been mailed out to Ms*** As a good faith gesture, KeyBank waived the small amount of interest paid along with the reconveyance fee and Ms*** will be sent an official bank check for those amounts On January 26, KeyBank responded to the *** and Mr*** in writing. If you would like to see a copy of that letter, we kindly ask that you work with Ms*** to obtain a copy We appreciate the opportunity to respond to Ms***’s concerns with quality and integrityThank you for your consideration in this matter. Sincerely, Richard S*Executive Client RelationsOffice of the President

Please see attached

KeyBankExecutive Offices
Public Square
Cleveland, OH
December 23,
Revdex.com
Attn: *** *** ***
Euclid Avenue, 4th Floor Cleveland, OH 44115-
RE:
*** ***
Revdex.com Complaint No***
Dear *** ***:
KeyBank National Association (“KeyBank”) is in receipt of a complaint filed with your office by *** *** ***On December 22, 2015, KeyBank delivered our resolution to *** ***’s concerns verbally
The criteria for qualifying for the $Cash Reward promotion are detailed in the KeyBank’s marketing materials promoting the offerBanking is a highly regulated industry and KeyBank’s marketing strictly adheres to these regulationsAs stated in KeyBank’s advertising literature promoting the offer (copy enclosed), in order to receive the promotion reward, new clients must open a qualifying checking account by June 26, and make one (1) deposit, in the amount of $or more, within the first days after account opening to get the $Cash Reward premium
Our review found that *** *** opened a qualifying account on May 20, 2015. However, because the required deposit, in the amount of $or more, was not made within the first days of account opening, the account did not qualify for the Cash Reward premium. Subsequently, KeyBank is unable to honor *** ***’s request for fulfilment of the $Cash Reward premium
We appreciate the opportunity to respond to *** ***’s concerns with quality and integrity. Thank you for your consideration in this matter
Sincerely,
Lisa B***
Executive Client Relations
Office of the President
Enclosure

I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below
The original problem is solved but I can't still can't access any payment history - as I mentioned to Key when they calledThey promised they would look into right away - they haven't.The original complaint is resolvedI just give up on this problem - it's been two years and they haven't fixed itKey's website is one of the worst website I have ever used - I guess I can leave with it.Regards,
*** ***

KeyBank Executive Offices Public Square Cleveland, OH July 15, Revdex.com Attn: Ms*** *** Euclid Avenue, 4th Floor Cleveland, OH 44115- RE:
Mr*** *** Revdex.com Case No*** Dear Ms***: KeyBank National Association (“KeyBank”) is in receipt of a complaint filed with your office by Mr*** ***. We understand the importance of our client’s financial wellnessPlease be assured that KeyBank is committed to providing excellent serviceOn July 14, 2016, KeyBank responded to Mr***’ concerns in writing Please be advised, in order for KeyBank to provide any additional information to the Revdex.com, KeyBank would need for you to provide us with the Release Authorization Form We appreciate the opportunity to respond to Mr***’concerns with quality and integrityThank you for your consideration in this matter Sincerely, Jeanette P*** Jeanette P*** Executive Client Relations Office of the President

KeyBank N.A.Executive OfficesPublic SquareCleveland, OH 44144 September 8, 2015 Revdex.comAttn: *** *** ***Euclid Avenue, 4th Floor Cleveland, OH 44115-2408 RE: *** ***Revdex.com
Complaint No*** Dear *** ***: KeyBank National Association (“KeyBank”) is in receipt of a complaint filed with your office by *** *** ***Please be assured that KeyBank is committed to providing our customers excellent service. Our review has found that the *** ***’s Consumer Loan, which charged off on December 19, due to non-payment, was settled in-full on April 11, 2014, upon receipt of a payment from *** ***, in the amount of $12, However, due to an internal processing error, KeyBank’s lien on the collateral vehicle secured by the Loan was not consequently releasedPlease be advised that upon discovery of this error, KeyBank immediately took corrective action and, on September 1, 2015, mailed the lien release to the *** ***. Thank you for your assistance with this matter and for making us aware of *** ***’s concerns. Sincerely, Richard S*Executive Client RelationsOffice of the President, KeyBank

KeyBankExecutive Offices Public SquareCleveland, OH 44144 August 30, 2016 Revdex.com Attn: Ms*** ***Euclid Avenue, 4th Floor Cleveland, OH 44115-2408 RE: Ms*** *** Revdex.com Case No*** Dear Ms***: KeyBank National Association (“KeyBank”) is in receipt of a complaint filed with your office by Ms*** ***. We understand the importance of our client’s financial wellnessPlease be assured that KeyBank is committed to providing excellent servicePlease also know that, on August 5, 2016, KeyBank responded to Ms***’s concerns verbally. With regard to Ms***’s concerns, our review has found that the $in overdraft-related service charges, assessed to her Account since on July 27, 2016, were in accordance with KeyBank’s Deposit Account Agreement and Funds Availability Policy (the “Agreement”) and the Personal Checking Account Fees and Disclosures (the “Disclosures”), which are provided to all clients at account opening, as well as Ms*** having ‘opted in’ to overdraft consent pursuant to Regulation E Our review found no bank errorTherefore, we regret that we were unable to honor additional requests for reimbursement of appropriately assessed service charges Please be aware that as per Electronic Fund Transfers Regulation E (“Reg E”), clients must consent to “opt in” if they want their bank to allow them to overdraw their account for ATM and everyday debit card transactions. Please note that only ATM and everyday debit card transactions are affected by Reg E. “Everyday” debit card transactions are typical transactions most people make with their debit card in daily shopping. “Recurring” debit card transactions, such as automatic withdrawals authorized on accounts using a debit card, are not affected by Reg E. Please note that only ATM and everyday debit card transactions are affected by Electronic Fund Transfers Regulation E (“Reg E). “Everyday” debit card transactions are typical transactions most people make with their debit card in daily shopping. “Recurring” debit card transactions, such as automatic withdrawals authorized on accounts using a debit card, are not affected by Reg E. Our records indicate that on April 21, 2014, Ms*** consented to overdraft services pursuant to Reg E, thereby authorizing KeyBank to assess overdraft fees in the event that an ATM or Everyday debit transaction is presented to the Account against insufficient funds. I would like to take the opportunity to explain why these fees were assessed to the Account:KeyBank posts items to the Account within prior-day and current-day posting categories. Within these categories, we post ATM and debit card transactions based on the authorization date and time, and if the authorization date and time is not available we use settlement date and time. We post checks in check number order. For all other types of items within each posting category we post items from lowest dollar amount to highest dollar amount. In assisting you in understanding KeyBank’s pending transactions activity, I would like to explain that until a transaction authorization is requested by the merchant, to whom clients provide their debit card information, KeyBank has no knowledge of the purchase. KeyBank has no control over when a merchant requests a transaction authorization. When the transaction authorization is requested, a pending transaction is placed on the Account. When the actual charge is received from the merchant, the transaction is removed from the pending activity and the actual charge is posted to the Account. That is the reason it is necessary for the funds to be in the Account prior to making the purchase. For additional clarification, note that weekend transactions will be posted prior to posting the activity conducted during business hours on Monday. For example, on Monday night, any deposits made during the weekend will post before weekend debits, and then any credits made during Monday business hours will post before debits from Monday business hours. Clients are responsible for having the funds available to cover a transaction both when the authorization is made and when it posts to the Account; however, an overdraft-related fee is not assessed twice for the same transactionAuthorizing items into overdraft when the Account has insufficient funds is also discussed in Section of the Agreement. We are empathetic to the fact that unforeseen circumstances can result in either an overdraft situation or a returned item. As such, KeyBank provides several resources to assist clients in balancing their account. This includes statements, automated telephone service, toll-free client representative support and Online Banking. KeyBank also offers overdraft protection to those applicants that meet our qualification criteria. Our records show that, on July 27, 2016, the beginning available balance in the Account was $59.29, which was reduced to $by a pending signed purchase, in the amount of $Two current day deposits, totaling $120.00, then brought the available Account balance to $169.29, as these funds were immediately available. Electronic Check No1110, in the amount of $and made payable to Macy’s, then reduced the available balance to $Two automatic deductions from ***, in the amounts of $and $99.37, respectively, were then presented to the Account, the latter of which was paid into overdraft. Subsequently, the Account was assessed a $Overdraft Item Charge, resulting in a negative end-of-day balance of (-$47.46). For your review, I have also included copies of the Notices of Insufficient Funds and Charges to the Account, which were made available to Ms*** since July 28, 2016, and illustrate how the Account incurred overdraft-related service charges since July 27, We appreciate the opportunity to respond to Ms***’s concerns with quality and integrityThank you for your consideration in this matter. Sincerely, Jeanette P***Executive Client RelationsOffice of the President Enclosures

KeyBank Executive Offices Public Square Cleveland, OH March 24, Revdex.com Attn: MsNichole *** Euclid Avenue, 4th Floor Cleveland, OH 44115- RE:
Mikhail *** Revdex.com Case No*** Dear Ms***: KeyBank National Association (“KeyBank”) is in receipt of a complaint filed with your office by Mikhail ***. We understand the importance of our client’s financial wellnessPlease be assured that KeyBank is committed to providing excellent serviceOn March 14, 2017, KeyBank delivered our resolution to Mr*** concerns verbally The criteria for qualifying for the $Cash Reward premium are detailed in KeyBank’s marketing materials promoting the offerBanking is a highly regulated industry and KeyBank’s marketing strictly adheres to these regulationsAs stated in KeyBank’s advertising literature promoting the offer, in order to receive the promotion reward, the following requirements must be met: Open a qualifying checking account by November 11, and, within days of Account opening:Make one (1) direct deposit, in the amount of $or more Our review found that the Mr*** Account was established on November 1, However, the required direct deposit, in the amount of $or more, was not made within days of Account openingSubsequently, as the Account did not qualify for the promotion, we are unable to honor his request for fulfilment of the Cash Reward premium. We appreciate the opportunity to respond to Mr*** concerns with quality and integrityThank you for your consideration in this matter Sincerely, Jeanette *** *** *** Executive Client Relations Office of the President

KeyBankExecutive Offices Public SquareCleveland, OH 44144February 8, 2017Revdex.com Attn: MsNicole ***Euclid Avenue, 4th Floor Cleveland, OH 44115-2408RE: Michele ***Revdex.com
Case No*** Dear Ms***: KeyBank National Association (“KeyBank”) is in receipt of a complaint filed with your office and the Office of the Comptroller of the Currency (the “OCC”) by MsMichele ***. We understand the importance of our client’s financial wellness. Please be assured that KeyBank is committed to providing excellent service. On February 8, 2017, KeyBank delivered our written response to Ms*** and the OCC. Please be advised in order for KeyBank to provide any additional information to the Revdex.com, KeyBank would need for you to provide us with the Release Authorization Form We appreciate the opportunity to respond to Ms***’s concerns with quality and integrityThank you for your consideration in this matter. Sincerely, Richard S*Executive Client RelationsOffice of the President***(NOTE: Company response copy/paste (below) by Revdex.com staff - LST - on 03/10/17)KeyBank Executive Offices Public Square Cleveland, *** *** February 15, 2017 Revdex.com Attn: MsNichole *** Euclid Avenue, 4th Floor Cleveland, OH 44115-2408 RE: Michele *** Revdex.com Case No*** Dear Ms***: KeyBank National Association ("KeyBank") is in receipt of a complaint filed with your office and the Office of the Comptroller of the Currency (the "OCC'') by MsMichele ***We understand the importance of our client's financial wellnessPlease be assured that KeyBank is committed to providing excellent serviceOn February 8, 2017, KeyBank responded to the OCC and Ms*** regarding her concerns in writingAttached for your review is a copy of our responsePlease be advised that KeyBank's position remains the same, We appreciate the opportunity to respond to Ms***'s concerns with quality and integrityThank you for your consideration in this matter. Sincerely, Richard S*** Executive Client Relations Office of the President ***KeyBank N.ASouth Road Poughkeepsie, NY 12601 February 8, 2017 MsMichele *** ** *** ***
*** *** ** *** Re; ***, Michele North Haledon, NJ 0CC Case No*** Key Advantage Money Market Account NoEnding in (the "Account") Dear Ms***: We received your complaint that you filed through the Office of the Comptroller of the Currency in regards to your questions and concerns about the banking service KeyBank National Association ("KeyBank") provides to you_ Thank you for taking the time to make us aware of your concerns. On behalf of KeyBank, we truly regret any inconvenience that you may have experienced and any frustration you felt since your concerns arosePlease be fissured that KeyBank is committed to providing excellent service. have reviewed the Account and determined that $of the $in overdraft-related service charges assessed to the Account since January 23, were in accordance with your having "opted in" to allow KeyBank to overdraw your Account for ATM and everyday debit card transactionsAs a gesture of goodwill, KeyBank refunded $to the Account on February 6, This fee refund will be reflected on your next statement. Our review determined the overdraft-related service charges that were assessed were in accordance with KeyBank's Deposit Account Agreement and Funds Availability Policy (the "Agreement") and KeyBank's Disclosure Statement of Terms and Conditions for Electronic Fund Transfer Transactions (the "Disclosures") which were provided to you prior to the merger in the Consumer Disclosure BookletI have enclosed a copy of the Agreement and Disclosures for your review, Please note that only ATM and everyday debit card transactions are affected by Electronic Fund Transfers Regulation E ("Reg E)"Everyday" debit card transactions are typical transactions most people make with their debit card in daily shopping"Recurring" debit card transactions, such as automatic withdrawals authorized on accounts using a debit card, are not affected by Reg EOur records indicate that on November 7, 2012, you consented to overdraft services pursuant to Reg E, thereby authorizing KeyBank to assess overdraft fees in the event that an ATM or Everyday debit transaction is presented to the Account against insufficient funds. You may change your election at any time by calling ***, signing on to Online Banking and selecting the Ovcrdrtft Services Options link on the Self Service tab, or by visiting any KeyBank branchPlease note that your change will not be effective until the next business day after KeyBank receives itFor additional information concerning this regulatory requirement please visit www.key.com/ODinfo. would like to take the opportunity to explain why these fees were assessed to the Account: KeyBank posts items to your Account within prior-day and current-day posting categoriesWithin these categories, we post ATM and debit card transactions based on the authorization date and time, and if the authorization date and time is not available we use settlement date and timeWe post checks in check number orderFor all other types of items within each posting category we post items from lowest dollar amount to highest dollar amount. In assisting you in understanding KeyBank's pending transactions activity, would like to explain that until a transaction authorization is requested by the merchant, to whom you provide your debit card information, KeyBank has no knowledge of your purchaseKeyBank has no control over when a merchant requests a transaction authorizationWhen the transaction authorization is requested, a pending transaction is placed on the AccountWhen the actual charge is received from the merchant, the transaction is removed from the pending activity and the actual charge is posted to the AccountThat is the reason it is necessary for the funds to be in the Account prior to making the purchase. For additional clarification, note that weekend transactions will be posted prior to posting the activity conducted during business hours on MondayFor example, on Monday night, any deposits made during the weekend will post before weekend debits, and then any credits made during Monday business hours will post before debits from Monday business hoursYou are responsible for having the funds available to cover a transaction both when the authorization is made and when it posts to the Account; however, an overdraft-related fee is not assessed twice for the same transaction. Please refer to Section the Agreement as it is relevant to paying items on an account in which there may be insufficient funds, as well as payment of associated service chargesThe chart in Section illustrates how KeyBank processes transactions, effective November 15, Authorizing items into overdraft when the Account has insufficient funds is also discussed in Section of the Agreement. Additionally, please refer to page of the Consumer Disclosure Booklet as it explains the amount of an overdraft item charge will be $once three (3) or more fees have been charged in the current statement period plus the previous statement periodsI have enclosed a copy of page of the Consumer Disclosure Booklet for your review. We are empathetic to the fact that unforeseen circumstances can result in either an overdraft situation or a returned itemAs such, KeyBank provides several resources to assist clients in balancing their accountThis includes statements, automated telephone service, toll-free client representative support and Online BankingKeyBank also offers overdraft protection to those applicants that meet our qualification criteriaPlease visit www.key.com to view accounts that may suit your needs. Please keep in mind that KeyBank does not know what transactions are scheduled to occur on the Account, as we would have no knowledge of your agreements with merchants or third partiesIn the future, if you are unable to work directly with the Payee to have the payment postponed or stopped, you can visit your local branch, visit www.key.com or call 1-800-Key2You to place a Stop Payment order. On January 23, the beginning balance for processing items in the Account was $Our records show there was a $Overdraft Item Charge refund credited to the Account increasing the available balance to $Additionally, there were nine (9) prior day debits that posted to the Account totaling $and one pending debit from Scardinta's King Pizza in the amount of $that had not posted yet which reduced the Account's available balance to $Thereafter, our records show there was a current day deposit in the amount of $592,made at the Martine branch which increased the Account's available balance to $There were five (5) auto deductions from the Account totaling The last auto debit from *** *** *** Pay in the amount of $overdrew the Account by $Due to there being insufficient available funds to cover the *** *** *** automatic debit, a $Overdraft Item Charge was assessed on that day. For your review, I have enclosed copies of the Notices of Insufficient Funds and Charges to your Account, which KeyBank made available to you since January 24, 2017, and illustrate how the Account incurred overdraft-related service charges since January 23, 2017. Thank you for allowing us the opportunity to respond to your concernsWe appreciate your business and look forward to continuing to work with youPlease feel free to contact me at *** *** (TTY/TDD *** for our hearing impaired clients) if you have any questions or additional concernsWe will be glad to assist you. Sincerely, Anthony *** Operations Leader KeyBank N.A. Enclosures cc: Office of the Comptroller of the Currency Richard Sulpizio, Executive Client Relations, KeyBank

Camp RdHamburg, NY 14075August 11, 2016Mr*** ** *** *** *** ** ***Re: *** *** *** ** Revdex.com NoID *** Key Express Checking Account NoEnding in ***Dear Mr***:We received your complaint filed through the Revdex.com in regards to your continued questions andconcerns about the banking services KeyBank National Association (“KeyBank”) provides you.Our review shows that KeyBank has previously responded to Revdex.com Case No*** and the complaint filed throughthe Office of the Comptroller of the Currency (the “OCC”) Case No***Copies of these responses areenclosed.KeyBank does consider this matter closedIf you have any questions about this decision, please contact me at 716-843-or TTY/TDD for the Hearing Impaired at 1-800-539-8336.Sincerely,Lisa AB***Operations LeaderAssistant Vice PresidentEnclosurescc: Office of the Comptroller of the Currency*** ***, Executive Client Relations, Office of the President