KeyCorp (KEY) investor relations material

Company overview and business model

• Organized in 1958 and headquartered in Cleveland, Ohio, operates as a bank holding company and is among the largest U.S. bank-based financial services firms.

• Provides retail and commercial banking, leasing, investment management, consumer finance, student loan refinancing, mortgage servicing, and investment banking services through subsidiaries, primarily KeyBank.

• Common shares are listed on the NYSE under the symbol "KEY."

Use of proceeds and capital allocation

• Will not receive proceeds from the resale of common shares by the selling shareholder; only registration expenses are covered, not underwriting discounts or commissions.

Risk factors and disclosures

• Faces extensive regulation, evolving privacy and cybersecurity laws, operational and risk management challenges, and exposure to economic, geopolitical, and market risks.

• Risks include credit quality deterioration, asset price declines, labor shortages, competitive pressures, and potential adverse effects from strategic partnerships or acquisitions.

• Investors are urged to review risk factors in the latest Annual Report and subsequent SEC filings.