KEY INFORMATION ON YOUR LOAN

You certify that all of the information you provide us is true and accurate. The terms set forth in these materials may be withdrawn and are subject to change without notice, at any time.

DISBURSEMENT: Generally, we will pay the proceeds of your loan directly to the other creditors identied in the instructions you give us or, in some cases, we will pay the proceeds of your loan directly to you. We reserve the right to reject your

instructions and to impose various restrictions and limitations on the payments we will make. Proceeds of your loan may not be used to make payments on other obligations you owe to us or our afliates (we may make limited exceptions to this rule on

a case-by-case basis). Loans cannot be used for postsecondary educational expenses or tuition, or to consolidate postsecondary educational loans. Other restrictions may apply.

CREDIT REPORTS: By requesting this loan, you agree that First National Bank of Omaha may obtain credit reports for purposes of processing your request for this loan and for later purposes related to your loan such as reviewing, updating and

renewing it, 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 First National Bank of Omaha

to verify your employment, income and other relevant information.

IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT: To help the government ght the funding of terrorism and money laundering activities, the USA PATRIOT Act requires all nancial institutions to obtain,

spouse to Personal Loan at P.O. Box 3437, Omaha, NE 68172-9981.

Estimated Payments and Finance Charges

APR 10.99%

Term 36 Months 48 Months

Loan Amount Monthly Payment Finance Charge Monthly Payment Finance Charge

$5,000 $163.67 $892.12 $129.20 $1,201.76

$10,000 $327.34 $1,784.23 $258.40 $2,403.52

$15,000 $491.01 $2,676.35 $387.61 $3,605.28

$20,000 $654.68 $3,568.47 $516.81 $4,807.04

$15,000 $505.34 $3,192.13 $402.34 $4,312.22 $341.22 $5,473.16 $301.03 $6,674.33

$20,000 $673.78 $4,256.18 $536.45 $5,749.63 $454.96 $7,297.55 $401.38 $8,899.11

$30,000 $1,010.67 $6,384.27 $804.68 $8624.45 $682.44 $10,946.32 $602.06 $13,348.67

APR 15.99%

Term 36 Months 48 Months 60 Months 72 Months

Loan Amount Monthly Payment Finance Charge Monthly Payment Finance Charge Monthly Payment Finance Charge Monthly Payment Finance Charge

$5,000 $175.76 $1,327.38 $141.68 $1,800.44 $121.56 $2,293.82 $108.43 $2,807.08

$10,000 $351.52 $2,654.75 $283.35 $3,600.88 $243.13 $4,587.65 $216.86 $5,614.16

$15,000 $527.28 $3,982.13 $425.03 $5,401.31 $364.69 $6,881.47 $325.30 $8,421.24

$20,000 $703.04 $5,309.51 $566.70 $7,201.75 $486.25 $9,175.29 $433.73 $11,228.32

$15,000 $549.76 $4,791.52 $448.42 $6,524.29 $389.03 $8,341.54 $350.56 $10,240.68

$20,000 $733.02 $6,388.69 $597.90 $8,699.05 $518.70 $11,122.06 $467.42 $13,654.24

$30,000 $1,099.53 $9,583.04 $896.85 $13,048.57 $778.05 $16,683.09 $701.13 $20,481.36

NON-TRANSFERABLE: These loan materials are intended solely for you, and you may not transfer them. If you ask to make an application to us with another person, you will be considered to be applying for joint credit that benets both of you.

Annual Percentage Rates (APR) range from 10.99% to 18.99% Fixed and will be determined based on your creditworthiness and loan term. Loan amounts range from $2,500 to $30,000.

The table below is meant to serve as a representation of how monthly payments and nance charges are calculated and may reect rate and term combinations that are not available.

LOAN TERMS

PLEASE READ THESE LOAN TERMS CAREFULLY; YOU WILL BE ASKED TO AGREE TO THEM WHEN YOU SPEAK TO ONE OF OUR LOAN SPECIALISTS. IF YOU REQUEST THIS LOAN, YOU WILL BE ENTERING INTO A LEGALLY

ENFORCEABLE AGREEMENT TO REPAY THE LOAN AND YOU WILL BE AGREEING TO THESE LOAN TERMS.

All references to “you” and “your” mean each person who accepts these Loan Terms. References to “we,” “us” and “our” mean First National Bank of Omaha.

if you request a particular due date, that may increase or decrease the period until your rst payment is due. A longer period will result in increased interest charges and a larger nal payment; a shorter period will result in decreased interest charges

and a smaller nal payment.

DISBURSEMENT: The amount of your loan will be disbursed according to your request (but subject to our restrictions and limitations). Normally, this means we will pay an amount you specify to one or more creditors that you identify or, in some

cases, we will pay an amount directly to you. It may take up to two weeks for payment to your other creditors to be made. You should continue to make payments to your other creditors to avoid incurring additional interest and late fees charged by

those creditors. You are liable for any late payments, nance charges or disputed amounts on your other accounts. If you want your other accounts closed, you are responsible for doing so. If we determine that we cannot follow your instructions, we

may choose to issue a check directly to you or we may credit your loan balance for the amount that we do not disburse.

PAYMENTS: You agree to make your payments in lawful money of the United States of America to First National Bank of Omaha, P.O. Box 2557, Omaha, NE 68103-2557, or to such other address as we may specify from time to time. You agree to

follow the reasonable requirements for payments that we specify. There may be a delay in crediting your payments if you fail to follow our requirements, including the requirement that we receive your payment no later than 5:00 p.m. (Central Time) on

the date the payment is due. We may accept payments marked “payment in full” or with other markings without losing our right to payment in full. We may reject payments that are not in United States Dollars or not drawn on a United States bank. If

we choose to accept a payment that is not in United States Dollars or not drawn on a United States bank, you agree to pay any collection or conversion fees assessed to us by third parties.

JOINT BORROWERS: Each person who accepts these Loan Terms will be individually and jointly responsible for paying the entire amount owed to us. This means we can enforce our rights against any one of you individually or against all of you

together. Your obligation to pay is independent of the obligation of any other person who has also agreed to pay. You remain obligated to pay even if any joint applicant with you is not obligated to pay.

-- 128407 K-UCL_UP-WEB-2303

PREPAYMENT: You may prepay all or part of your loan at any time without penalty. Unless you prepay in full, you must still make your remaining regularly scheduled payments on time. Making prepayments will save you money. Prepayments may be

applied rst to accrued interest and then to principal.

FEES: If we do not receive any payment in full within ten days of when it is due, a late fee of 5.00% of that payment will be due with your next payment. If any of your payments (for example, your check or an automatic transfer) is dishonored or

returned to us for any reason, a returned payment fee of $15 will be due with your next payment. This fee will be due even if the returned payment is resubmitted and then honored.

DEFAULT: You will be in default if: (i) we do not receive the full amount of any payment by its due date; (ii) we reasonably believe that you are unable or unwilling to pay; (iii) you le for bankruptcy, become insolvent or die; or (iv) you made any false or

misleading statements to us when requesting this loan. If there is more than one of you, references to “you” in the preceding sentence mean “one or both of you.” Subject to applicable law and any right to cure that you may have under that law, we can

demand the immediate payment of the entire unpaid balance of your loan if you are in default. If we demand immediate payment, you must continue to pay interest until your loan has been repaid in full. We may also exercise any other rights given by

TRANSFERS: We may transfer your balance, along with our rights under these Loan Terms, in whole or in part, to another entity. That entity will then be entitled to enforce these Loan Terms. You may not transfer your rights or obligations under these

Loan Terms. You acknowledge that these Loan Terms are binding on you, your heirs, personal representatives, successors and assigns.

GOVERNING LAW: These Loan Terms shall be governed by federal law and, to the extent state law applies, Nebraska law, regardless of conict of law principles. If there is any conict between any of the terms of these Loan Terms and applicable

law, these Loan Terms should be considered changed as necessary to comply with applicable law. In no event shall any interest, fees or other sums payable hereunder exceed the maximum amount permitted by applicable law. Nothing in these Loan

Terms is intended to authorize us to take actions that are contrary to applicable law. We have obligations under applicable law and are not excused from complying with those obligations simply because they are not detailed in these Loan Terms.

PRIVACY: Our Privacy Policy, which is available at www.fnbo.com/privacy-policy, includes a summary of the personal information we collect, when it may be shared with others, how we safeguard the condentiality and security of information and the

steps you may take to limit our sharing of such information with others. You agree to receive our Privacy Policy at a later time – it will be included along with the Disclosure Statement which will be sent to you before your rst payment is due.

COMPLETE AGREEMENT: These Loan Terms supersede all prior communications and agreements between you and us with respect to your loan. No amendment or modication to these Loan Terms shall be binding unless conrmed by us in

writing. Any invalid or unenforceable provision of these Loan Terms will not invalidate or affect any other part of these Loan Terms. Your loan is unsecured; we will not use collateral securing other loans with us (if any) to collect on this loan.

IMPORTANT NOTICE REGARDING THE MILITARY LENDING ACT. The additional disclosures and terms in this section below apply to you if, at the time you open your account, you are: (1) a member of the U.S. armed forces on active duty under

“CLAIMS” AND RELATED DEFINED TERMS: As used in these Loan Terms, “Claim” means any pre-existing, present or future claim, dispute or controversy that arises from or in any way relates to: (a) this Agreement, your loan, the credit we

offer or deny to you in connection with your loan, any advertising or application for your loan, or the other products or services that are offered in connection with your loan; or (b) the acts or omissions of you, of us, or of Related Parties if those acts

or omissions affect or relate to your loan or any benets, rewards or other products or services related to your loan. Claims include, but are not limited to, claims based on contract and tort (including intentional torts), claims made in law or in equity,

claims based on constitutional, statutory, regulatory and common law rights, and claims for damages, penalties and injunctive, declaratory or equitable relief. When the term “you” is used in this provision on “Claims” or in the provisions on “Limitations

on Claims” or “Arbitration,” that term means you and any of the following people who will be considered “Your Related Parties”: any co applicant, joint Borrower or guarantor on your loan, your heirs and your trustee in bankruptcy. References to “Our

Related Parties” in this Agreement includes afliated third parties such as our parent, subsidiaries, and afliates and our and their ofcers, directors, agents, employees, representatives, successors and assigns. “Our Related Parties” also include

unafliated third parties that provide products, services or benets (to you or to us) in connection with your loan or that have otherwise participated in the marketing or servicing of your loan. Any Claim or Claims brought by or on behalf of a class,

brought in a representative capacity on behalf of any person other than you or brought otherwise on a class basis, or brought in the form of a private attorney general action are referred to as “Class Proceedings” regardless of whether they are

commenced in court or in arbitration.

LIMITATIONS ON CLAIMS: Before you bring a Claim against us, you must notify us in writing of your Claim, including the amount of the Claim. Before we bring a Claim against you, we must notify you in writing of our Claim, including the amount of

ARBITRATION:

THIS CONTRACT CONTAINS AN ARBITRATION PROVISION WHICH MAY BE ENFORCED BY THE PARTIES. PLEASE READ THE FOLLOWING PARAGRAPHS CAREFULLY:

WITH LIMITED EXCEPTIONS, THIS ARBITRATION PROVISION ALLOWS EITHER PARTY TO REQUIRE THAT ANY “CLAIM” (AS DEFINED ABOVE) BE RESOLVED BY BINDING ARBITRATION.

ARBITRATION REPLACES THE RIGHT TO GO TO COURT AND TO HAVE A CLAIM DETERMINED BY A JURY. OTHER RIGHTS YOU MAY HAVE IN COURT, SUCH AS DISCOVERY OR APPEAL RIGHTS, MAY NOT BE AVAILABLE OR

MAY BE MORE LIMITED IN ARBITRATION. EXCEPT AS PROVIDED BELOW, THOSE OTHER RIGHTS ARE WAIVED.

YOU WILL NOT BE ABLE TO DO THESE TWO THINGS (IN COURT OR IN ARBITRATION): (1) BRING A CLAIM AS A CLASS PROCEEDING; OR (2) PARTICIPATE IN A CLAIM AS A CLASS MEMBER.

Except as provided below: (1) you may unilaterally choose to have any Claim that we bring against you resolved through binding arbitration; and (2) we may unilaterally choose to have any Claim that you bring against us (or us and any of Our Related

damages; (2) the recovery being sought for the Claim is less than $22,500, excluding interest and costs; and (3) the only parties to litigation to resolve the Claim will be you, us and/or Related Parties.

Arbitrations shall be conducted by one or more impartial arbitrators (the “Arbitrator(s)”). An Arbitrator must be a lawyer with at least ten years of experience or a retired judge.

Arbitrations shall be conducted through a national arbitration organization with signicant experience in nancial and consumer disputes (referred to as an “Administrator”). If more than one such Administrator is available, the Administrator shall be the

one mutually agreed upon by you and us. Arbitration through an Administrator shall be conducted in accordance with the arbitration rules and procedures of the Administrator which are applicable and in effect when the Claim is initiated (the “Arbitration

Rules”). For Arbitrations with an Administrator, the Administrator shall provide and designate a listing of potential Arbitrators to conduct the arbitration. The Arbitrator shall be selected from the Administrator’s listing and will be the Arbitrator(s) mutually

agreed upon by you and us.

If no qualied Administrator is available to conduct a consumer credit related arbitration, the arbitration shall proceed by an Arbitrator without an Administrator. Arbitration without an Administrator shall be conducted in accordance with the rules and

procedures of the American Arbitration Association (“AAA”) in effect when the Claim is initiated, with the Arbitrator taking the place of the AAA therein (also, the “Arbitration Rules”). For arbitrations without an Administrator, the Arbitrator(s) shall be

mutually agreed upon by you and us.

If the Arbitration Rules are inconsistent with this arbitration provision, this provision will prevail. Arbitrations may be initiated pursuant to the Arbitration Rules. You or we may choose to have an arbitration hearing. You and we may be represented by

competent jurisdiction. The claims of other persons who may (or may not) have similar claims may not be consolidated with any Claim. No arbitration will be consolidated with any other arbitration proceeding without the consent of all parties. The only

Claims that may be joined under this arbitration provision are (1) those brought by you and Your Related Parties against us and Our Related Parties; or (2) those brought by us and Our Related Parties against you and Your Related Parties.

The Arbitrator(s) shall have no authority to award punitive damages.

If any portion of this arbitration provision shall be found to be unenforceable, that portion will be severed, and the rest of this arbitration provision will remain in effect. However, if the Class Action Waiver is held to be invalid with respect to any Class

Proceeding, the entire arbitration provision shall be null and void.

We will reimburse you for the initial arbitration ling fee up to $350 upon receipt of proof of payment, provided that you have initiated an individualized proceeding in good faith and in accordance with this Agreement and provided that you have not

initiated your proceeding in concert with any other customers. All other fees will be allocated in keeping with the applicable Arbitration Rules and applicable law. We will also advance or reimburse other fees if the Administrator or Arbitrator(s) determine

there is good reason for requiring us to do so or if you ask us and we determine there is good cause for doing so. Each party will bear the expense of the fees and costs of that party’s own attorneys, experts, witnesses, documents and other expenses,

regardless of which party prevails.

This arbitration provision shall survive repayment of your extension of credit, our assignment of your loan, any default or acceleration with respect to your loan, and the bankruptcy (or similar proceeding) of any party.

CREDIT REPORTS: We may report information about your loan to credit bureaus. Late payments, missed payments, or other defaults on your loan may be reected in your credit report. If you believe that information we report about your loan is

inaccurate, notify us at P.O. Box 3412, Omaha, NE 68103-0412 (or such other address as we shall subsequently provide to you).

NOTICE TO CONSUMER: (1) Do not accept these Loan Terms before you read them. (2) You are entitled to a copy of these Loan Terms. (3) You may prepay the unpaid balance at any time without penalty and may be entitled to receive a refund of

unearned charges in accordance with law.

45 DAY RIGHT TO CANCEL: We will not charge you any interest and we will cancel your loan IF you repay the total principal amount within 45 calendar days of the open date stated in your account opening package. Payments made by mail

must be sent to First National Bank of Omaha, P.O. Box 2557 Omaha, NE 68103-2557. Payments may also be made by telephone by calling 1-888-283-5228 or online at the internet address displayed in your monthly periodic statement. Failing to

cancel within the time allowed will be considered to conrm your acceptance of these Loan Terms. Your right to cancel depends on you having the ability to return the principal loan amount to us in 45 days. Once your loan is approved, we will begin

to process your request immediately. We will not wait 45 days to pay your other creditors and once we pay them, we will not attempt to recover any payments made to them. You will need your own alternate source of funds in order to return the loan

amount to us and cancel this loan.