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. “Icelandair Purchases”
are Net Purchases of Icelandair products and services made through Icelandair, made at www.icelandair.com or made by calling 1-800-223-5500. Icelandair Purchases include, but are not limited to, Net Purchases of
Icelandair products and services made during Icelandair ights.
We reserve the right to determine, in our sole discretion, whether transactions qualify as Icelandair Purchases, or Net Purchases, and our determinations shall be nal.
SAGA POINTS: The Account must be open and your enrollment in the Credit Card Rewards Program must not be suspended in order for Points to be reported to the Saga Club Program. Points earned in the Credit Card
Rewards Program will be reported each month to the Saga Club Program. Icelandair will make the corresponding number of Saga Points available in your Saga Club Account based on the number of Points reported
from the Credit Card Rewards Program.
REWARDS AND REDEMPTION: All terms and conditions pertaining to the Saga Club Program will apply. Icelandair is solely responsible for redemption and for all other aspects of the Saga Club Program. If you want
to redeem your Saga Points for Icelandair ights, you can only do so by calling 1-800-223-5500. To redeem through your Saga Club account for all other available options, go to www.sagaclub.com. For more information
regarding redemption of Saga Points, please visit https://www.icelandair.com/support/terms-and-conditions/conditions-of-saga-club-membership/. Icelandair may impose additional conditions, restrictions, and limitations
on redemption and/or expiration of Saga Points. We are not responsible for the Saga Club Program or for Icelandair’s products, services, or decisions or its refusal to redeem Saga Points. We are not responsible for
making Saga Points available in a Saga Club account, including any decision by Icelandair not to credit a Saga Club account based on Points we have reported.
IMPORTANT REWARDS PROGRAM INFORMATION
ICELANDAIR MASTERCARD
®
CREDIT CARD REWARDS PROGRAM TERMS AND CONDITIONS SUMMARY
Please read this Terms and Conditions Summary for important information about the Icelandair Mastercard
®
Credit Card Rewards Program (the “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 Icelandair EHF (referred to as “Icelandair”).
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 Saga Club Program (the “Saga Club Program”) provided and administered by Icelandair and through the Credit Card Rewards Program.
SAGA CLUB PROGRAM: Saga Club Program points (“Saga Points”) can be earned through the Saga Club Program by establishing a valid Saga Club Program account (“Saga Club Account”). Icelandair is solely
responsible for the rules and administration of the Saga Club Program, which is governed by separate terms and conditions found at https://www.icelandair.us/frequent-yer/terms-and-conditions/. Saga Points are
redeemable only through the Saga Club Program.
The Saga Club Program may, at Icelandair’s sole discretion, offer additional or promotional opportunities to earn a greater number of Saga Points in connection with certain purchases or promotions. There may be a limit
to the number of Saga Points that can be earned in connection with such purchases or promotions, and certain exclusions, and limitations, on redemption may apply, as determined by Icelandair.
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 Saga Club Program monthly and are redeemable only as Saga Points through the Saga Club Program.
Membership in the Saga Club Program is required in order for Points earned in the Credit Card Rewards Program to be reported to the Saga Club Program.You can enroll in the Saga Club Program at https://www.
icelandair.us/frequent-yer/terms-and-conditions/. Enrollment in the Credit Card Rewards Program for Saga Club Program members will occur automatically when the Account is opened. The Saga Club Program
membership and Saga Club Account will remain in force in accordance with the terms and conditions of the Saga Club Program, even if an Account is not opened. If enrollment in the Saga Club 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 Saga Club Account, and you must comply with all terms of the Saga Club 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 2 Points for each $1.00 of Icelandair Purchases posted to the Account.
Earn 1 Point for each $1.00 of Net Purchases posted to the Account that is not from a Icelandair Purchase.
BONUS EARNINGS In addition to the above, you will earn 10,000 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 Credit Card Rewards Program at that time).
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 Saga Club Program terms and conditions at https://www.icelandair.us/frequent-yer/terms-and-conditions/ for information regarding expiration, redemption,
forfeiture, and other limitations on Saga 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 Saga Point, which will be redeemable only through the Saga Club Program.
REDEMPTION REQUESTS Points are redeemable only after they are reported to the Saga Club Program. If you want to redeem your Saga Points for Icelandair ights, you can only do so by calling 1-800-
223-5500. To redeem through your Saga Club account for all other available options, go to www.sagaclub.com. For more information, please visit https://www.icelandair.com/
support/terms-and-conditions/conditions-of-saga-club-membership/.