NOTICE TO MARRIED WISCONSIN APPLICANTS: No provision of any marital property agreement, unilateral statement or court decree adversely affects our interests and/or rights unless, prior to the time the credit is
granted or an open-end credit plan is entered into, we are furnished with a copy of the agreement, statement, or decree, or have actual knowledge of the adverse provision. Married Wisconsin residents applying for
credit separately must furnish name and address of their spouse to FNBO at P.O. Box 3437, Omaha, NE 68172-9981.
CALIFORNIA RESIDENTS: The applicant, if married, may apply for a separate account. After credit approval, each applicant shall have the right to use this account to the extent of any credit limit set by the creditor and
each applicant may be liable for all amounts of credit extended under this account to each joint applicant.
NEW YORK RESIDENTS may contact the New York State Department of Financial Services by telephone or visit its website for free information on comparative credit card rates, fees and grace periods. New York State
Department of Financial Services: 1-800-342-3736 and “www.dfs.ny.gov”.
ARBITRATION NOTICE: You understand that any Cardmember Agreement you receive will contain an arbitration provision that may substantially limit your rights in the event of a dispute, including your right to litigate
in court or have a jury trial, discovery and appeal rights, and the right to participate in court or in arbitration as a representative or member of a class action. Please review the Cardmember Agreement and its arbitration
provision carefully before you use or allow someone else to use an account.
The arbitration provision will not apply to you if, at the time your account is opened, you are a covered borrower under the Military Lending Act and U.S. Department of Defense regulations (32 C.F.R. pt. 232). For example,
you would generally be a covered borrower if, at the time your account is opened, you are: (1) a member of the U.S. armed forces on active duty under a call or order not specifying a period of 30 days or less; (2) an active
Guard or Reserve; or (3) a spouse or dependent of a person who qualies under (1) or (2).
IMPORTANT REWARDS PROGRAM INFORMATION
AMTRAK GUEST REWARDS CREDIT CARD REWARDS PROGRAM TERMS AND CONDITIONS SUMMARY
Please read this Terms and Conditions Summary for important information about the Amtrak Guest Rewards Credit Card Rewards Program (the “Credit Card Rewards Program”). First National Bank of Omaha, is referred
to below as “we”, “us”, “our”, and “FNBO
®
”. FNBO is the issuer of the credit card account(s) (“Account”) and the sponsor of the Credit Card Rewards Program. The Credit Card Rewards Program is offered at our sole
discretion and is dependent on the participation and cooperation of National Railroad Passenger Corporation (referred to as “Amtrak”).
Complete Credit Card Rewards Program Terms and Conditions (including additional limitations and restrictions) will be provided to you if you become an approved cardmember.
Rewards can be earned in two ways: through the Amtrak Guest Rewards program (the “Amtrak Guest Rewards Program”) provided and administered by Amtrak and through the Credit Card Rewards Program.
AMTRAK GUEST REWARDS PROGRAM: Amtrak Guest Rewards Program points (“Amtrak Guest Rewards Points”) can be earned through the Amtrak Guest Rewards Program by establishing a valid Amtrak Guest
Rewards Program account (“Amtrak Guest Rewards Membership Account”). Amtrak is solely responsible for the rules and administration of the Amtrak Guest Rewards Program, which is governed by separate terms
and conditions found at www.amtrak.com/guestrewards. Amtrak Guest Rewards Points are redeemable only through the Amtrak Guest Rewards Program.
The Amtrak Guest Rewards Program may, at Amtrak’s sole discretion, offer additional or promotional opportunities to earn a greater number of Amtrak Guest Rewards Points in connection with certain purchases or
promotions. There may be a limit to the number of Amtrak Guest Rewards Points that can be earned in connection with such purchases or promotions, and certain exclusions, and limitations, on redemption may apply,
as determined by Amtrak.
CREDIT CARD REWARDS PROGRAM: Credit Card Rewards Program points (“Points”) can be earned in the Credit Card Rewards Program as described in the table below. All Points earned in the Credit Card Rewards
Program will be automatically reported to the Amtrak Guest Rewards Program monthly and are redeemable only as Amtrak Guest Rewards Points through the Amtrak Guest Rewards Program.
Membership in the Amtrak Guest Rewards Program is required in order for Points earned in the Credit Card Rewards Program to be reported to the Amtrak Guest Rewards Program.You can enroll in the Amtrak Guest
Rewards Program at www.amtrak.com/guestrewards. Enrollment in the Credit Card Rewards Program for Amtrak Guest Rewards Program members will occur automatically when the Account is opened. The Amtrak
Guest Rewards Program membership and Amtrak Guest Rewards Membership Account will remain in force in accordance with the terms and conditions of the Amtrak Guest Rewards Program, even if an Account is not
opened. If enrollment in the Amtrak Guest Rewards Program is terminated or cancelled for any reason, we may terminate enrollment in the Credit Card Rewards Program.
ENROLLMENT: To participate in the Credit Card Rewards Program, the Account must be open, you must have a valid and current Amtrak Guest Rewards Membership Account, and you must comply with all terms of the
Amtrak Guest Rewards Program. The “Enrollment Date” is the date the Account is opened or, if later, the date enrollment in the Credit Card Rewards Program is completed. Credit Card Rewards Program membership will
be automatically renewed each year with the Terms and Conditions and the fees, if any, then in effect, until we are notied that the card is being cancelled or enrollment in the Credit Card Rewards Program is terminated
as otherwise permitted by these Terms and Conditions.
EARN POINTS Earn 3 Points for each $1.00 of Amtrak Purchases posted to the Account.
Earn 2 Points for each $1.00 of Travel and Transit Purchases or Dining Purchases posted to the Account.
Earn 1 Point for each $1.00 of Net Purchases posted to the Account that is not from an Amtrak Purchase, Travel and Transit Purchase, or Dining Purchase.
BONUS EARNINGS In addition to the above, you will earn 20,000 bonus Points after the rst $1,000 in Net Purchases are posted to the Account within the rst 3 consecutive billing cycles after the
Account is opened. Please allow up to 8 weeks after bonus Points are earned for these bonus Points to be added to your Point balance (Account must be open and enrolled in
the Credit Card Rewards Program at that time). Your Account will generally have monthly billing cycles (whether or not you receive an Account billing statement for the month).
However, your rst billing cycle will begin on the day you open your Account and may be more or less than one month.
In addition to the above, you will earn a 20% rebate in the form of a statement credit on Amtrak Food and Beverage Purchases posted to the Account. Statement credits do not
count as payments on your Account, and the regular monthly minimum payments shown on the Account billing statement must still be made. Please allow up to 8 weeks after you
qualify for this statement credit for it to be applied to your Account (Account must be open and enrolled in the Credit Card Rewards Program at that time).
In addition to the above, Amtrak will award 1,000 Tier Qualifying Points (“TQP”) for every $5,000 in Net Purchases posted to the Account. Please allow up to 8 weeks after the
TQP’s are earned for these TQP’s to be added to your Amtrak Guest Rewards Membership Account (the Account must be open and enrolled in the Credit Card Rewards Program
at that time).
ANNUAL CREDIT CARD
REWARDS PROGRAM FEE
There is no annual Credit Card Rewards Program fee. However, please review the “Fees” Section in this Summary of Credit Terms for information on possible annual or monthly
set-up and maintenance fees associated with the Account.
LIMIT ON POINTS EARNED There is no limit on the number of Points that can be earned, but if we offer bonus Points, we may limit the number of bonus Points awarded for certain purchases and/or
promotions.
POINT EXPIRATION Please see the Amtrak Guest Rewards Program terms and conditions at www.amtrak.com/guestrewards for information regarding expiration, redemption, forfeiture, and other
limitations on Amtrak Guest Rewards Points.
POINT FORFEITURE If the Account is closed for any reason, enrollment in the Credit Card Rewards Program will be terminated and any accumulated Points not yet awarded in the Credit Card
Rewards Program may be forfeited.
POINT REDEMPTION Each Point earned in the Credit Card Rewards Program will equate to 1 Amtrak Guest Rewards Point, which will be redeemable only through the Amtrak Guest Rewards Program.
REDEMPTION REQUESTS Points are redeemable only after they are reported to the Amtrak Guest Rewards Program. Please see the Amtrak Guest Rewards Program terms and conditions at www.amtrak.
com/guestrewards for information on Amtrak Guest Rewards Point redemption.