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 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 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. “Speedway Purchases” are Net
Purchases made with the Account at a participating Speedway location.
We reserve the right to determine, in our sole discretion, whether transactions qualify as Speedway Purchases, or Net Purchases, and our determinations shall be nal.
SPEEDY REWARDS POINTS: The 50 Speedy Rewards Points earned at participating Speedway locations, for Speedway Purchases will be in addition to Speedy Rewards Points normally awarded under the Speedy
Rewards Program. Speedy Rewards Points will be earned in real time and show on the Speedway receipt. Speedy Rewards Points, therefore, will not appear on the monthly Account billing statement.
IMPORTANT REWARDS PROGRAM INFORMATION
SPEEDY REWARDS
®
MASTERCARD
®
CREDIT CARD REWARDS PROGRAM TERMS AND CONDITIONS SUMMARY
Please read this Terms and Conditions Summary for important information about the Speedy Rewards
®
Mastercard
®
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 Speedway LLC (referred to as “Speedway”).
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 Speedy Rewards Program provided and administered by Speedway and through the Credit Card Rewards Program.
SPEEDY REWARDS PROGRAM: Speedy Rewards Program points (“Speedy Rewards Points”) can be earned through the Speedy Rewards Program by establishing a valid Speedy Rewards Program account (“Speedy
Rewards Account”). Speedway is solely responsible for the rules and administration of the Speedy Rewards Program, which is governed by separate terms and conditions found at www.speedyrewards.com. Speedy
Rewards Points are redeemable only through the Speedy Rewards Program.
SPEEDY REWARDS
®
POINTS EARNED AT SPEEDWAY: Speedway will award you Speedy Rewards Points as follows:
• 50 Speedy Rewards Points for each $1.00 in Speedway Purchases that are made with the Account at a participating Speedway location.
Speedy Rewards Points earned for Speedway Purchases will be in addition to Speedy Rewards Points normally awarded under the Speedy Rewards Program. Speedy Rewards Points will be earned in real time and
show on the Speedway receipt (or up to 60 days later if they are from a mobile wallet payment). Speedy Rewards Points, therefore, will not appear on the monthly Account billing statement.
The Speedy Rewards Program may, at Speedway’s sole discretion, offer additional or promotional opportunities to earn a greater number of Speedy Rewards Points in connection with certain purchases or promotions.
There may be a limit to the number of Speedy Rewards Points that can be earned in connection with such purchases or promotions, and certain exclusions, and limitations on redemption, may apply, as determined by
Speedway.
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 Speedy Rewards Program monthly and are redeemable only as Speedy Rewards Points through the Speedy Rewards Program.
Membership in the Speedy Rewards Program is required in order for Points earned in the Credit Card Rewards Program to be reported to the Speedy Rewards Program. You can enroll in the Speedy Rewards Program
by registering at www.speedyrewards.com. Enrollment in the Credit Card Rewards Program for Speedy Rewards Program members will occur automatically when the Account is opened. The Speedy Rewards Program
membership and Speedy Rewards Account will remain in force in accordance with the terms and conditions of the Speedy Rewards Program, even if an Account is not opened. If enrollment in the Speedy Rewards
Program is terminated or cancelled for any reason, we may terminate enrollment in the Credit Card Rewards Program.
ENROLLMENT: To participate in the Credit Card Rewards Program, the Account must be open, you must have a valid and current Speedy Rewards Account, and you must comply with all terms of the Speedy Rewards
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 notied that the card is being cancelled or enrollment in the Credit Card Rewards Program is terminated as otherwise
permitted by these Terms and Conditions.
EARN POINTS Earn 10 Points for each $1.00 of Net Purchases posted to the Account that is not from a Speedway Purchase.
BONUS EARNINGS In addition to the above, you will earn 25,000 bonus Points after the rst $500 in Net Purchases are posted to the Account within the rst 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 rst 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 Speedy Rewards Program terms and conditions at www.speedyrewards.com for information regarding expiration, redemption, forfeiture, and other limitations on
Speedy Rewards 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 Speedy Rewards Point, which will be redeemable only through the Speedy Rewards Program.
REDEMPTION REQUESTS Points are redeemable only after they are reported to the Speedy Rewards Program. Please see the Speedy Rewards Program terms and conditions at www.speedyrewards.com
for information on Speedy Rewards Point redemption.