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 qualies under (1) or (2).
POINTS: Points are not earned in the 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 Program has been suspended. If a credit card is
reported lost or stolen, we will temporarily suspend our awarding of points in the 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 Program Terms and Conditions unless otherwise specied therein. We reserve the right to
determine which Net Purchases are eligible for bonus points.
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, nance 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 benets that we provide; or (e) other transactions that we determine not to be eligible. “Northern Tool Purchases” are
Net Purchases made at any participating Northern Tool location or through www.northerntool.com. Visit www.northerntool.com for a list of Northern Tool retail locations.“Gas Purchases” are Net Purchases made at any
merchant whose merchant category code (“MCC”) is classied by the payment card industry as “Service Stations (with or without ancillary services)” (MCC 5541) or “Automated Fuel Dispensers” (MCC 5542). “Grocery
Purchases” are Net Purchases made at any merchant whose merchant category code (“MCC”) is classied by the payment card industry as “Grocery Stores and Supermarkets” (MCC 5411), “Freezer and Locker Meat
Provisioners” (MCC 5422), “Candy, Nut, and Confectionary Stores” (MCC 5441), “Dairy Products Stores” (MCC 5451), “Bakeries” (MCC 5462), “Misc. Food Stores, Convenience Stores and Specialty Markets” (MCC
5499), or “Package Stores – Beer, Wine, and Liquor” (MCC 5921). Merchants that sell grocery items may not necessarily have one of these MCCs.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 classied into one of the MCCs identied above, but
they may not be classied as such. This could affect whether purchases made from such merchants will qualify as Gas Purchases, Grocery 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 conrming 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 Northern Tool Purchases, Gas Purchases, Grocery Purchases, or Net Purchases, and our determinations shall be nal.
GIFT CARDS AND AUTOMATIC REDEMPTION: Points will be automatically redeemed for the Gift Cards as stated above. Gift Cards will be sent to the address where we send the Account’s billing statements (which
may take 30 to 60 days after the Account has been awarded the respective 2,500 points). Northern Tool is responsible for honoring the Gift Cards and may impose additional conditions, restrictions, and limitations on
redemption of the Gift Cards. We are not responsible for Northern Tool’s products or decisions or their refusal to honor Gift Cards or to otherwise participate in the Program. Gift Cards can be redeemed for online and
in-store purchases .
We may change or terminate the 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.
NORTHERN TOOL + EQUIPMENT and the Northern Tool logo are registered trademarks of Northern Tool & Equipment Company, Inc.
IMPORTANT REWARDS PROGRAM INFORMATION
NORTHERN TOOL MASTERCARD
®
REWARDS PROGRAM TERMS AND CONDITIONS SUMMARY
Please read this Terms and Conditions Summary for important information about the Northern Tool Mastercard
®
Rewards Program (the “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 Program. The Program is dependent on the participation and cooperation of Northern Tool Stores (referred to as
“Northern Tool”).
Complete Program Terms and Conditions (including additional limitations and restrictions) will be provided to you if you become an approved cardmember.
ENROLLMENT: To participate in the Program, the Account must be open. The “Enrollment Date” is the date the Account is opened or, if later, the date enrollment in the Program is completed. 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 Program is terminated as otherwise permitted
by these Terms and Conditions.
EARN POINTS Earn 3 points (equal to 3% back) for each $1.00 of Northern Tool Purchases posted to the Account. Each point is worth $0.01 toward a Northern Tool Gift Card.
Earn 2 points (equal to 2% back) for each $1.00 of Gas Purchases or Grocery Purchases posted to the Account. Each point is worth $0.01 toward a Northern Tool Gift Card.
Earn 1 point (equal to 1% back) for each $1.00 of Net Purchases posted to the Account that is not from a Northern Tool Purchase, Gas Purchase, or Grocery Purchase. Each point
is worth $0.01 toward a Northern Tool Gift Card.
BONUS EARNINGS In addition to the above, you will earn 7,000 bonus points after the rst 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 Program at that time).
ANNUAL PROGRAM FEE There is no annual 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 Points do not expire.
POINT FORFEITURE If the Account is closed for any reason, enrollment in the Program will be terminated and any accumulated points will be forfeited (unless applicable law provides otherwise).
AUTOMATIC POINT
REDEMPTION
Points are redeemed automatically in 2,500 point increments at the end of each billing cycle. Each 2,500 points equate to a $25 Northern Tool Gift Card (“Gift Card”), subject
to the Program’s complete Terms and Conditions.
AUTOMATIC GIFT
CARD DELIVERY
Gift Cards will be sent automatically in increments of $25. If more than $25 in Gift Cards are earned, additional Gift Card(s) will be sent in separate envelope(s). Gift Cards will be
automatically sent to the same address where the Account’s billing statements are sent (which may take 30 to 60 days after each respective 2,500 points have been posted to the
Account).