302 - -126523

Small Business Mastercard®

5T-HA-SOCT-2208

Cards are issued by First National Bank of Omaha, which is referred to below as “we”, “us”, “our”, and “FNBO®”.


IMPORTANT RATE, FEE AND OTHER COST INFORMATION (SUMMARY OF CREDIT TERMS)

Interest Rates and Interest Charges

Annual Percentage Rate (APR) for Purchases

0.00% introductory APR for the first 6 billing cycles.

After that, your APR will be 16.49% to 25.49%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

APR for Balance Transfers

0.00% introductory APR for the first 6 billing cycles.

After that, your APR for new balance transfers will be 16.49% to 25.49%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

APR for Cash Advances

27.49%. This APR will vary with the market based on the Prime Rate.

How to Avoid Paying Interest on Purchases

Your due date is at least 20 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 each month.1

Minimum Interest Charge

If you are charged interest, the charge will be no less than $1.75.

Fees

Set-up and Maintenance Fees


  • Annual Fee

None

  • Monthly Fee

None

Transaction Fees


  • Balance Transfer

Either $10 or 5% of the amount of each transfer, whichever is greater

  • Cash Advance

Either $15 or 5% of the amount of each cash advance, whichever is greater

  • Cash Equivalent

Either $15 or 5% of the amount of each cash equivalent transaction, whichever is greater

  • Foreign Transaction

3% of each transaction in U.S. dollars

Penalty Fees


  • Late Payment

$35 if New Balance is less than $500

$39 if New Balance is equal to or greater than $500

  • Over-the-Credit-Limit

$39

  • Returned Payment (Payment Dishonored)

$35

How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases)”.

Index And When It Is Determined: The Index used to determine your variable APRs is the highest U.S. Prime Rate as published in the “Money Rates” section of The Wall Street Journal during the 90 days immediately preceding the last day of each calendar month (the determination date). The above APRs are based on an Index (Prime Rate) of 6.25% as of the 10/31/2022 determination date. If the Prime Rate is higher or lower on a later determination date, the above APRs may increase or decrease accordingly.

When you become a cardmember, the Index will be effective for the entire billing cycle that ends in the second month after the determination date. For example, if your billing cycle ends in July, we will use the Index determined on the May determination date.

APR for Purchases and Balance Transfers: To determine the variable APR for purchases and balance transfers, we add a margin of 10.24% to 19.24% to the Index (Prime Rate).

APR for Cash Advances: To determine the variable APR for cash advances, we add a margin of 21.24% to the Index (Prime Rate).

How We Will Calculate Your Minimum Payment: If your New Balance is less than $35, the minimum payment will be equal to your New Balance. If your New Balance is $35 or greater, the minimum payment will be the greater of (a) 2% of the New Balance or $35, whichever is larger; or (b) the current cycle fees and finance charges (except balance transfer fees) plus 1% of the New Balance (excluding current cycle fees and finance charges). Your minimum payment will also include any amount (i) past due and (ii) necessary to reduce your balance to your credit limit. Calculations will exclude disputed amounts. Balance transfer fees will be part of your Balance Transfers Balance Category, unless we specify otherwise.

1 We will begin charging interest on cash advances and balance transfers on the transaction date.


PRESCREEN & OPT-OUT NOTICE: This “prescreened” offer of credit is based on information in your credit report indicating that you meet certain criteria. This offer is not guaranteed if you do not meet our criteria. If you do not want to receive prescreened offers of credit from this and other companies, call the consumer reporting agencies toll-free, 1-888-567-8688; or write to any of the following consumer reporting agencies: Experian Credit Marketing, P.O. Box 919, Allen, TX 75013; Equifax Options, P.O. Box 740123, Atlanta, GA 30374-0123; TransUnion Opt Out Option, P.O. Box 505, Woodlyn, PA 19094-0505.

Eligibility for card products depends on the information you provide and your credit history. Based on this information, we may find that you do not meet our previously established credit criteria and, at our discretion, you may not receive a card or you may receive a different card with a lower Credit Limit. At certain income and Credit Limit levels, income verification may be required. We will determine your Credit Limit and, if applicable, APRs based on this review.

Your account will generally have monthly billing cycles. However, your first billing cycle may be more or less than one month.

IMPORTANT NOTICE REGARDING CHANGES IN TERMS. We may change the APRs, rates, fees, costs, and other terms of your account subject to, and as allowed by, applicable law.

Payments on your account will be generally applied as follows: (a) the minimum payment amount will be applied to balances with the lowest APRs before balances with higher APRs; and (b) any amount you pay in excess of the minimum payment will be applied to balances with the highest APRs before balances with lower APRs.

BALANCE TRANSFERS: You authorize us to make each balance transfer you request. Each company you request us to pay and each balance transfer request may be treated as a separate balance transfer transaction.

Each balance transfer is subject to our approval and we are not liable if we do not make any balance transfer you request. We reserve the right to make balance transfers in the order we select and to limit the amount of the balance transfers that we make (this amount may be less than your total credit limit). If you ask for a balance transfer and we do not approve the full amount, we may either pay only part of the amount you asked for or decline your request. You may not transfer balances from other accounts you have with us or our related companies. In addition, we may not process a balance transfer request if it is incomplete, illegible or written to cash. Each balance transfer is subject to applicable fees and finance charges and does not have the benefit of an interest-free (grace) period.

Please consider the following when asking for a balance transfer: (a) To protect your rights, you should not transfer any amount that you dispute, (b) you should continue to make all payments due on the other accounts until you receive notice from them that they have been paid in full, (c) you are liable for any late payments, finance charges or disputed amounts on your other accounts, and (d) if you want your other accounts closed following a balance transfer, you are responsible for doing so.

CREDIT REPORTS: By applying for this account, you agree that FNBO may obtain credit reports for purposes of processing your application and for later purposes related to your account such as reviewing, updating and renewing it, increasing the credit line and collecting. If you request, you will be informed of whether or not a credit report was requested and of the name and address of the consumer reporting agency that furnished the report. You also authorize FNBO to verify your employment, income and other relevant information.

NOTICE TO CARDMEMBERS AND AUTHORIZED USERS: We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in

your credit report.

IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT: To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.

What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying

documents.

Married applicants may apply for separate accounts in their own names.

OHIO RESIDENTS: The Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy customers, and that credit reporting agencies maintain separate credit histories on each

individual upon request. The Ohio Civil Rights Commission administers compliance with this law.

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. You may request arbitration rules and forms through either or both of the following arbitration administrators: American Arbitration Association, 1-800-778-7879; and National Arbitration Forum, 1-800-474-2371. Please review the Cardmember Agreement and its arbitration provision carefully before you use or allow someone else to use an account.

IMPORTANT REWARDS PROGRAM INFORMATION

HELLO ALICE MASTERCARD® REWARDS PROGRAM TERMS AND CONDITIONS SUMMARY

Please read this Terms and Conditions Summary for important information about the Hello Alice Mastercard® Rewards Program (“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 Circular Board Inc., d/b/a Hello Alice (referred to as “Hello Alice”).

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 Hello Alice Rewards Program (the “Hello Alice Program”) provided and administered by Hello Alice and through the Credit Card Rewards Program.

HELLO ALICE PROGRAM: Hello Alice Program points (“Hello Alice Points”) can be earned through the Hello Alice Program by establishing a valid Hello Alice Program account (“Hello Alice Account”). Hello Alice is solely responsible for the rules and administration of the Hello Alice Program, which is governed by separate terms and conditions found at helloalice.com/terms. Hello Alice Points are redeemable only through the Hello Alice Program.

The Hello Alice Program may, at Hello Alice’s sole discretion, offer additional or promotional opportunities to earn a greater number of Hello Alice Points in connection with certain purchases or promotions. There may be

a limit to the number of Hello Alice Points that can be earned in connection with such purchases or promotions, and certain exclusions, and limitations, on redemption may apply, as determined by Hello Alice.

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 Hello Alice Program monthly and are redeemable only as Hello Alice Points through the Hello Alice Program.

Membership in the Hello Alice Program is required in order for Points earned in the Credit Card Rewards Program to be reported to the Hello Alice Program.You can enroll in the Hello Alice Program at helloalice.com/ terms. Enrollment in the Credit Card Rewards Program for Hello Alice Program members will occur automatically when the Account is opened. The Hello Alice Program membership and Hello Alice Account will remain in force in accordance with the terms and conditions of the Hello Alice Program, even if an Account is not opened. If enrollment in the Hello Alice Program is terminated or cancelled for any reason, we may terminate enrollment in the Credit Card Rewards Program.


EARN POINTS

Earn 4 Points (equal to 4% back in Hello Alice Points) for each $1.00 of Wireless Telephone Service and Business Software Purchases posted to the Account.

Earn 3 Points (equal to 3% back in Hello Alice Points) for each $1.00 of Office Supplies and Shipping Purchases posted to the Account.

Earn 2 Points (equal to 2% back in Hello Alice Points) for each $1.00 of Rideshare Purchases or Dining Purchases posted to the Account.

Earn 1.50 Points (equal to 1.50% back in Hello Alice Points) for each $1.00 of Net Purchases posted to the Account that is not from Wireless Telephone Service and Business Software Purchase, Office Supplies and Shipping Purchase, Rideshare Purchase, or Dining Purchase.

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 Hello Alice Program terms and conditions at helloalice.com/terms for information regarding expiration, redemption, forfeiture, and other limitations on Hello Alice 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 Hello Alice Point, which will be redeemable only through the Hello Alice Program.

REDEMPTION REQUESTS

Points are redeemable only after they are reported to the Hello Alice Program. Please see the Hello Alice Program terms and conditions at helloalice.com/terms for information on Hello Alice Point redemption.

ENROLLMENT: To participate in the Credit Card Rewards Program, the Account must be open, you must have a valid and current Hello Alice Account, and you must comply with all terms of the Hello Alice 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 notified that the card is being cancelled or enrollment in the Credit Card Rewards Program is terminated as otherwise permitted by these Terms and Conditions.

NET PURCHASES: “Net Purchases” are authorized, new purchases posted to the Account on or after the Enrollment Date, excluding refunds, credits (for returned merchandise or otherwise), and disputed billing items. Net Purchases do not include: (a) annual fees, finance charges, and other fees or charges posted by us to the Account; (b) cash advances (including, but not limited to, purchases of money orders or other cash equivalents) or special check transactions; (c) balance transfers; (d) charges for other products, services, or benefits that we provide; or (e) other transactions that we determine not to be eligible. “Wireless Telephone Service and Business Software Purchases” are Net Purchases made at any merchant whose merchant category code (“MCC”) is classified by the payment card industry as “Telecommunication Services including but not limited to prepaid phone services and recurring phone services” (MCC 4814), “Computer Network/Information Services” (MCC 4816), “Computers, Computer Peripheral Equipment, Software” (MCC 5045), “Computer Software Stores” (MCC 5734), “Digital Goods - Software Applications (Excludes Games)” (MCC 5817) or “Digital Goods - Multi-Category” (MCC 5818). “Office Supplies and Shipping Purchases” are Net Purchases made at any merchant whose merchant category code (“MCC”) is classified by the payment card industry as “Courier Services—Air and Ground, Freight Forwarders” (MCC 4215), “Office and Commercial Furniture” (MCC 5021), “Office, Photographic, Photocopy, and Microfilm Equipment” (MCC 5044), “Stationery, Office Supplies, Printing, and Writing Paper” (MCC 5111), or “Office, School Supply, and Stationery Stores” (MCC 5943).”Rideshare Purchases” are Net Purchases made at any merchant whose merchant category code (“MCC”) is classified by the payment card industry as “Taxicabs and Limousines” (MCC 4121).”Dining Purchases” are Net Purchases made at any merchant whose merchant category code (“MCC”) is classified by the payment card industry as “Caterers” (MCC 5811), “Eating Places and Restaurants” (MCC 5812), “Drinking Places (Alcoholic Beverages) - Bars, Taverns, Cocktail Lounges, Nightclubs and Discotheques” (MCC 5813),”Fast Food Restaurants” (MCC 5814).The MCC is a four-digit code used by the payment card industry to classify a merchant’s primary business. Some merchants may have multiple MCCs (even within the same retail location) and some merchants might be expected to be classified into one of the MCCs identified above, but they may not be classified as such. This could affect whether purchases made from such merchants will qualify as Wireless Telephone Service and Business Software Purchases, Office Supplies and Shipping Purchases, Rideshare Purchases, Dining Purchases, or other Net Purchases and, as a result, how many Points will be earned on such transactions. We do not assign MCCs to merchants and we are not responsible for confirming or monitoring the MCC assignments made by the payment card networks.

We reserve the right to determine, in our sole discretion, whether transactions qualify as Wireless Telephone Service and Business Software Purchases, Office Supplies and Shipping Purchases, Rideshare Purchases, Dining Purchases, or Net Purchases, and our determinations shall be final.

POINTS: Points are not earned in the Credit Card Rewards Program until they appear on the Account billing statement. Points may be deducted for awards based on purchases that are subsequently subject to a refund,

credit, or dispute, which may result in negative Point reporting to the Hello Alice Program. We reserve the right to retroactively correct errors made in Point awards. Points will not be earned if the Account cannot be used for new purchases or participation in the Credit Card Rewards Program has been suspended. Your enrollment in the Credit Card Rewards Program must not be suspended in order for Points to be reported to the Hello Alice Program. If a credit card is reported lost or stolen, we will temporarily suspend our awarding of Points in the Credit Card Rewards Program until a new card is issued. At our sole discretion, we may award additional bonus Points in connection with certain purchases and/or promotions. Additional details and additional terms and conditions will be provided with such offers and are in addition to the Credit Card Rewards Program Terms and Conditions unless otherwise specified therein. We reserve the right to determine which Net Purchases are eligible for bonus Points.

BUSINESS ACCOUNTS: A “Business Account” is an Account that you agree to use solely for business purposes in your Cardmember Agreement. A Business Account with multiple cardholders may elect to award and

redeem Points at the company level or to one or more designated individual Accounts. Certain limitations may apply. If you need assistance designating Point awards, please contact Commercial Card Client Servicing at

1-800-652-5741. If this section conflicts with any other section of these Terms and Conditions, then this section shall control with respect to Business Accounts.

REWARDS AND REDEMPTION: All terms and conditions pertaining to the Hello Alice Program will apply. Hello Alice is solely responsible for redemption and for all other aspects of the Hello Alice Program. Hello Alice Points will be redeemed as stated in the Hello Alice Program terms and conditions found at helloalice.com/terms. Hello Alice may impose additional conditions, restrictions, and limitations on redemption and/or expiration of Hello Alice Points. We are not responsible for the Hello Alice Program or for Hello Alice products, services, or decisions or its refusal to redeem Hello Alice Points. We are not responsible for making Hello Alice Points available in a Hello Alice Account, including any decision by Hello Alice not to credit a Hello Alice Account based on Points we have reported.

We may change or terminate the Credit Card Rewards Program in our discretion at any time with or without prior notice to you except where required by law.

Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.