195 - 121376

Rewards® Mastercard®

T-SPDWY-WEB-2006

Cards are issued by First National Bank of Omaha, which is referred to below as “we”, “us”, “our”, and “FNBO®”.

How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases)”.

Index And When It Is Determined: The Index used to determine your variable APRs is the U.S. Prime Rate shown in the “Money Rates” section of The Wall Street Journal on the last day the rate is published in each calendar month (the “determination date”). The above APRs are based on an Index (Prime Rate) of 3.50% as of the 4/29/2022 determination date. If the Prime Rate is higher or lower on a later determination date, the above APRs may increase or decrease accordingly.

When you become a cardmember, the Index will be effective for the entire billing cycle that ends in the second month after the determination date. For example, if your billing cycle ends in July, we will use the Index determined on the last day the rate is published in The Wall Street Journal in May.

APR for Purchases and Balance Transfers: To determine the variable APR for purchases and balance transfers, we add a margin of 18.49% to 24.49% to the Index (Prime Rate).

APR for Cash Advances: To determine the variable APR for cash advances, we add a margin of 21.99% to the Index (Prime Rate).

How We Will Calculate Your Minimum Payment: If your New Balance is less than $40, the minimum payment will be equal to your New Balance. If your New Balance is $40 or greater, the minimum payment will be the greater of (a) 2% of the New Balance or $40, whichever is larger; or (b) the current cycle fees and finance charges (except balance transfer fees) plus 1% of the New Balance (excluding current cycle fees and finance charges). Your minimum payment will also include any amount (i) past due and (ii) necessary to reduce your balance to your credit limit. Calculations will exclude disputed amounts. Balance transfer fees will be part of your Balance Transfers Balance Category, unless we specify otherwise.

1 We will begin charging interest on cash advances and balance transfers on the transaction date.

Your account will generally have monthly billing cycles. However, your first billing cycle may be more or less than one month.

IMPORTANT NOTICE REGARDING CHANGES IN TERMS. We may change the APRs, rates, fees, costs, and other terms of your account subject to, and as allowed by, applicable law.

Payments on your account will be generally applied as follows: (a) the minimum payment amount will be applied to balances with the lowest APRs before balances with higher APRs; and (b) any amount you pay in excess of the minimum payment will be applied to balances with the highest APRs before balances with lower APRs.

BALANCE TRANSFERS: You authorize us to make each balance transfer you request. Each company you request us to pay and each balance transfer request may be treated as a separate balance transfer transaction.

Each balance transfer is subject to our approval and we are not liable if we do not make any balance transfer you request. We reserve the right to make balance transfers in the order we select and to limit the amount of the balance transfers that we make (this amount may be less than your total credit limit). If you ask for a balance transfer and we do not approve the full amount, we may either pay only part of the amount you asked for or decline your request. You may not transfer balances from other accounts you have with us or our related companies. In addition, we may not process a balance transfer request if it is incomplete, illegible or written to cash. Each balance transfer is subject to applicable fees and finance charges and does not have the benefit of an interest-free (grace) period.

Please consider the following when asking for a balance transfer: (a) To protect your rights, you should not transfer any amount that you dispute, (b) you should continue to make all payments due on the other accounts until you receive notice from them that they have been paid in full, (c) you are liable for any late payments, finance charges or disputed amounts on your other accounts, and (d) if you want your other accounts closed following a balance transfer, you are responsible for doing so.

CREDIT REPORTS: By applying for this account, you agree that FNBO may obtain credit reports for purposes of processing your application and for later purposes related to your account such as reviewing, updating and renewing it, increasing the credit line 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 FNBO to verify your employment, income and other relevant information.

NOTICE TO CARDMEMBERS AND AUTHORIZED USERS: We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in

your credit report.

IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT: To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.

What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.

Married applicants may apply for separate accounts in their own names.

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 qualifies under (1) or (2).

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 notified that the card is being cancelled or enrollment in the Credit Card Rewards Program is terminated as otherwise permitted by these Terms and Conditions.

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, finance 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 benefits 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 final.

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 specified therein. We reserve the right to determine which Net Purchases are eligible for bonus Points.

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.

REWARDS AND REDEMPTION: All terms and conditions pertaining to the Speedy Rewards Program will apply. Speedway is solely responsible for redemption and for all other aspects of the Speedy Rewards Program. Speedy Rewards Points will be redeemed as stated in the Speedy Rewards Program terms and conditions found at www.speedyrewards.com. Speedway may impose additional conditions, restrictions, and limitations on redemption and/or expiration of Speedy Rewards Points. We are not responsible for the Speedy Rewards Program or for Speedway products, services, or decisions or its refusal to redeem Speedy Rewards Points. We are not responsible for making Speedy Rewards Points available in a Speedy Rewards Account, including any decision by Speedway not to credit a Speedy Rewards Account based on Points we have reported.

We may change or terminate the Credit Card Rewards 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.