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Lincoln Access RewardsTM Visa Signature® Card

T-LNC-WEB-2202

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

PLEASE NOTE: If you apply for a credit card, you may receive a Platinum Edition® Visa® Card, a Visa Signature® Card, or we may decline to open an account for you. Eligibility for card products depends on the information provided in your application and your credit card history. The card you are approved for will determine your Visa benefits.


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

Interest Rates and Interest Charges

Annual Percentage Rate (APR) for Purchases

For Eligible Purchases: 0.00% introductory APR for the first 6 billing cycles from the transaction date.After that, your APR will be 19.74% to 30.74%, based on your creditworthi- ness. This APR will vary with the market based on the Prime Rate.

For all other purchases: 19.74% to 30.74% when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

APR for Balance Transfers

19.74% to 30.74% based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

APR for Cash Advances

28.99%. This APR will vary with the market based on the Prime Rate.

Penalty APR and When it Applies

None

How to Avoid Paying Interest on Purchases

Your due date is at least 21 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.

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 at www.consumerfinance.gov/learnmore.

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

None

Penalty Fees


  • Late Payment

Up to $40

  • Returned Payment (Payment Dishonored)

Up to $35

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

“Eligible Purchases” are purchases from participating Ford & Lincoln dealerships/websites in which single or multiple items are purchased in the same transaction totaling at least $499.00.

Index And When It Is Determined: The Index used to determine your variable APRs is the U.S. Prime Rate shown in the “Money Rates” section of The Wall Street Journal on the last day the rate is published in each calendar month (the “determination date”). The above APRs are based on an Index (Prime Rate) of 7.00% as of the 11/30/2022 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 last day the rate is published in The Wall Street Journal in May.

APR for Purchases, Eligible Purchases and Balance Transfers: To determine the variable APR for purchases and balance transfers, we add a margin of 12.74% to 23.74% to the Index (Prime Rate).

APR for Cash Advances: To determine the variable APR for cash advances, we add a margin of 21.99% to the Index (Prime Rate).

How We Will Calculate Your Minimum Payment: If your New Balance is less than $40, the minimum payment will be equal to your New Balance. If your New Balance is $40 or greater, the minimum payment will be the greater of (a) 2% of the New Balance or $40, 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.

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. 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 qualifies under (1) or (2).

IMPORTANT REWARDS PROGRAM INFORMATION

LINCOLN ACCESS REWARDSTM VISA® CREDIT CARD REWARDS PROGRAM TERMS AND CONDITIONS SUMMARY

Please read this Terms and Conditions Summary for important information about the Lincoln Access RewardsTM Visa® Credit Card 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 Ford Motor Company (referred to as “Lincoln”).

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 Lincoln Access RewardsTM loyalty program (the “Lincoln Access RewardsTM Program”) provided and administered by Lincoln and through the Credit Card Rewards Program.

LINCOLN ACCESS REWARDSTM PROGRAM: Lincoln Access RewardsTM Program Points (“Lincoln Access RewardsTM Points”) can be earned through the Lincoln Access RewardsTM Program by establishing a valid Lincoln Access RewardsTM Program membership account (“Lincoln Access RewardsTM Account”). Lincoln is solely responsible for the rules and administration of the Lincoln Access RewardsTM Program, which is governed by separate terms and conditions found at www.LincolnAccessRewards.com. Lincoln Access RewardsTM Points are redeemable only through the Lincoln Access RewardsTM Program.

The Lincoln Access RewardsTM Program may, at Lincoln’s sole discretion, offer additional or promotional opportunities to earn a greater number of Lincoln Access RewardsTM Points in connection with certain purchases or promotions. There may be a limit to the number of Lincoln Access RewardsTM Points that can be earned in connection with such purchases or promotions, and certain exclusions, and limitations, on redemption may apply, as determined by Lincoln. Lincoln Access RewardsTM Points are not redeemable for cash.

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. After you are enrolled in the Lincoln Access RewardsTM Program, all Points earned in the Credit Card Rewards Program will be automatically reported to the Lincoln Access RewardsTM Program monthly and are redeemable only as Lincoln Access RewardsTM Points through the Lincoln Access RewardsTM Program.

Membership in the Lincoln Access RewardsTM Program is required in order for Points earned in the Credit Card Rewards Program to be reported to the Lincoln Access RewardsTM Program. You can enroll in the Lincoln Access RewardsTM Program by registering at www.LincolnAccessRewards.com. The Lincoln Access RewardsTM Program membership and Lincoln Access RewardsTM Account will remain in force in accordance with the terms and conditions of the Lincoln Access RewardsTM Program, even if an Account is not opened. If enrollment in the Lincoln Access RewardsTM Program is terminated or cancelled for any reason, we may terminate enrollment in the Credit Card Rewards Program.


EARN POINTS

Earn 10 Points (equal to 5% back in Lincoln Access RewardsTM Points) for each $1.00 of Lincoln Purchases posted to the Account.

Earn 6 Points (equal to 3% back in Lincoln Access RewardsTM Points) for each $1.00 of Gas Purchases, Travel Purchases, Dining Purchases, and Entertainment Purchases posted to the Account. Earn 2 Points (equal to 1% back in Lincoln Access RewardsTM Points) for each $1.00 of Net Purchases posted to the Account that is not from a Lincoln Purchase, Gas Purchase, Travel Purchase, Dining Purchase, or Entertainment Purchase.

BONUS EARNINGS

In addition to the above, you will earn 11,000 bonus Points after the first Net Purchase is posted to the Account. 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).

In addition to the above, you will earn 20,000 bonus Points after the first $3,000 in Net Purchases are posted to the Account within the first 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 first 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, an additional a $200 statement credit can be earned during each Qualification Period if $6,000 or more in Net Purchases is posted to the Account within that Qualification Period. 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 the end of each applicable Qualification Period for the statement credit to be applied to your Account (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 first billing cycle will begin on the day you open your Account and may be more or less than one month.

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 Lincoln Access RewardsTM Program terms and conditions at www.LincolnAccessRewards.com for information regarding expiration, redemption, forfeiture, and other limitations on Lincoln Access RewardsTM 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 a Lincoln Access RewardsTM Point, which will be redeemable only through the Lincoln Access RewardsTM Program. Lincoln Access RewardsTM Points are not redeemable for cash.

REDEMPTION REQUESTS

Points are redeemable only after they are reported to the Lincoln Access RewardsTM Program. Please see the Lincoln Access RewardsTM Program terms and conditions at www. LincolnAccessRewards.com for information on Lincoln Access RewardsTM Point redemption.

ENROLLMENT: To participate in the Credit Card Rewards Program, the Account must be open, your Lincoln Access RewardsTM Account must be open, valid, and current, and you must comply with all terms of the Lincoln Access RewardsTM 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.

QUALIFICATION PERIOD AND ANNIVERSARY DATE: A “Qualification Period” is a period of 12 consecutive billing cycles. The first Qualification Period will begin with the start of the first billing cycle after the Account

is enrolled in the Credit Card Rewards Program and will end on the last day of the 12th billing cycle. Each subsequent Qualification Period will be the period of 12 consecutive billing cycles immediately following the prior Qualification Period.

The “Anniversary Date” will be the closing date of the 12th consecutive billing cycle after the Account is enrolled in the Credit Card Rewards Program, and the closing date of each 12th consecutive billing cycle thereafter. 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. “Lincoln Purchases” are Net Purchases made only at participating Lincoln dealerships or Lincoln websites.“Travel Purchases” are Net Purchases made at any merchant whose merchant category code (“MCC”) is classified by the payment card industry as “Local, Suburban Commuter Passenger Transportation, including Ferries” (MCC 4111), “Passenger Railways” (MCC 4112), “Taxicabs and Limousines” (MCC 4121), “Bus Lines, Including Charters, Tour Buses” (MCC 4131), “Cruise Lines/Steamships Lines” (MCC 4411), “Airline, Air Carriers (not elsewhere classified)” (MCC 4511), “Travel Agencies and Tour Operations” (MCC 4722), “Package Tour Operators (For use in Germany only)” (MCC 4723), “Toll and Bridge Fees” (MCC 4784), “Transportation Services (not elsewhere classified)” (MCC 4789), “Direct Marketing – Travel Related Arrangements Services” (MCC 5962), “Lodging – Hotels, Motels, Resorts, Central Reservation Services (not elsewhere classified)” (MCC 7011), “Specific Airline Codes” (MCC 3000-3301), “Specific Car Rental Company Codes” (MCC 3351-3441), “Specific Hotel and Resort Codes” (MCC 3501-3838), “Timeshares” (MCC 7012), or “Car Rental Agencies (not elsewhere classified)” (MCC 7512).“Gas Purchases” are Net Purchases made at any merchant whose merchant category code (“MCC”) is classified by the payment card industry as “Service Stations (with or without ancillary services)” (MCC 5541), “Automated Fuel Dispensers” (MCC 5542), “Electric Vehicle Charging” (MCC 5552), “Petroleum/ Petroleum Products” (MCC 5172), “Fuel Dealers-Fuel Oil/Wood/Coal/Liquefied Petroleum” (MCC 5983).”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).”Entertainment Purchases” are Net Purchases made at any merchant whose merchant category code (“MCC”) is classified by the payment card industry as “Tour Buses” (MCC 4131), “Boat Rentals and Leases” (MCC 4457), “Motion Picture Theaters” (MCC 7832), “Video Tape Rental Stores” (MCC 7841), “Dance Halls, Studios, and Schools” (MCC 7911), “Theatrical Producers Ticket Agengies” (MCC 7922), “Bands, Orchestras, and Miscellaneous Entertainers” (MCC 7929), “Billiard and Pool Establishments (MCC 7932), “Bowling Alleys” (MCC 7933), “Athletic Fields, Commerical Sports, Etc” (MCC 7941), “Tourist Attractions and Exhibits (MCC 7991), “Golf Courses - Public” (MCC 7992), “Video Game Arcades and Establishments” (MCC 7994), “Amusement Parks, Carnivals, Etc” (MCC 7996), “Membership Clubs (Sports, Recreation, Athletic), Country Clubs, and Private Golf Courses” (MCC 7997), “Aquariums, Dolphinariums, and Seaquariums” (MCC 7998), and “Recreation Services (Not Elsewhere Classified)” (MCC 7999).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 Travel Purchases, Gas Purchases, Dining Purchases, Entertainment 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 Lincoln Purchases, Travel Purchases, Gas Purchases, Dining Purchases, Entertainment 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. 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. 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.

LINCOLN ACCESS REWARDSTM POINTS: In order for Points to be reported to the Lincoln Access RewardsTM Program, you must have (1) an open and active Lincoln Access RewardsTM Account; (2) your Account must

be open; and (3) you must be enrolled in the Credit Card Rewards Program and your enrollment must not be suspended. If these three pre-requisites are fulfilled, Points earned in the Credit Card Rewards Program will be reported each month to the Lincoln Access RewardsTM Program. Lincoln will make the corresponding number of Lincoln Access RewardsTM Points available in your Lincoln Access RewardsTM Account based on the number of Points reported from the Credit Card Rewards Program. If you have questions about your Lincoln Access RewardsTM Points, please see the Lincoln Access RewardsTM Program terms and conditions at www. LincolnAccessRewards.com.

REWARDS AND REDEMPTION: All terms and conditions pertaining to the Lincoln Access RewardsTM Program will apply. Lincoln is solely responsible for redemption and for all other aspects of the Lincoln Access

RewardsTM Program. Lincoln Access RewardsTM Points will be redeemed as stated in the Lincoln Access RewardsTM Program terms and conditions found at www.LincolnAccessRewards.com. Lincoln may impose additional conditions, restrictions, and limitations on redemption and/or expiration of Lincoln Access RewardsTM Points. We are not responsible for the Lincoln Access RewardsTM Program or for Lincoln products, services, or decisions or its refusal to redeem Lincoln Access RewardsTM Points. We are not responsible for making Lincoln Access RewardsTM Points available in a Lincoln Access RewardsTM Account, including any decision by Lincoln not to credit a Lincoln Access RewardsTM 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. Visa and Visa Signature are registered trademarks of Visa International Service Association and used under license.