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, which
could result in a negative point balance. 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. “FCA Purchases” are Net Purchases
made only at participating FCA US dealerships or FCA websites.“Travel Purchases” are Net Purchases made at any merchant whose merchant category code (“MCC”) is classied 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 classied)” (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 classied)” (MCC 4789), “Direct Marketing – Travel Related Arrangements Services” (MCC 5962), “Lodging – Hotels, Motels, Resorts,
Central Reservation Services (not elsewhere classied)” (MCC 7011), “Specic Airline Codes” (MCC 3000-3350), “Specic Car Rental Company Codes” (MCC 3351-3500), “Specic Hotel and Resort Codes” (MCC 3501-
3999), “Timeshares” (MCC 7012), or “Car Rental Agencies (not elsewhere classied)” (MCC 7512).”Fuel 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), “Automated Fuel Dispensers” (MCC 5542), or “Electric Vehicle Charging” (MCC 5552).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 Travel Purchases, Fuel 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 FCA Purchases, Travel Purchases, Fuel Purchases, or Net Purchases, and our determinations shall be nal.
IMPORTANT REWARDS PROGRAM INFORMATION
DRIVE PLUS
SM
MASTERCARD
®
REWARDS PROGRAM TERMS AND CONDITIONS SUMMARY
Please read this Terms and Conditions Summary for important information about the Drive Plus
SM
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. FCA US LLC (“FCA”) means Chrysler, Dodge, Jeep
®
, Ram, and/or FIAT
®
dealerships that have completed
all requirements necessary to participate in the Program.
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 5 points (equal to 5% back) for each $1.00 of FCA Purchases posted to the Account.
Earn 2 points (equal to 2% back) for each $1.00 of Travel Purchases or Fuel Purchases posted to the Account.
Earn 1 point (equal to 1% back) for each $1.00 of Net Purchases posted to the Account that is not from an FCA Purchase, Travel Purchase, or Fuel Purchase.
BONUS EARNINGS In addition to the above, you will earn a $100 statement credit after the rst $100 in FCA Purchases are posted to the Account within the rst billing cycle after the Account is
opened. 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 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.
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 are redeemed on a rst-in, rst-out basis and points will expire on or after the seventh anniversary of when they were awarded (unless applicable law provides otherwise).
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).
POINT REDEMPTION Points can be redeemed for (collectively, the “Rewards”):
• FCA parts (including Mopar
®
parts and accessories) and services at participating FCA US dealerships; to purchase or lease a new or used Chrysler, Dodge, Jeep, Ram or
FIAT vehicle at participating FCA US dealerships
• Merchandise
• Gift cards/certicates
• Travel (Airline, Hotel, and Car Rentals)
• Cash back as a statement credit to the Account, an ACH deposit to any checking or savings account (ABA routing number required), or as a check sent by mail
• Other goods and services
REDEMPTION REQUESTS All FCA parts and service redemptions must be in person with the assistance of a participating FCA US dealership service manager or sales representative. A maximum of
$10,000 in redemptions can be made daily. Points cannot be redeemed to pay Sales Tax applicable to the redemptions made at participating FCA US dealerships. All other
redemptions are available 24/7 online access or toll-free customer service during hours of operation; additional information about redemption will be provided if you become a
cardmember.