IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT: To help the government ght the funding of terrorism and money laundering activities, Federal law requires all nancial
institutions to obtain, verify, and record information that identies 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 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.
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. “SCHEELS Purchases” are Net
Purchases made at any participating SCHEELS location.
We reserve the right to determine, in our sole discretion, whether transactions qualify as SCHEELS Purchases, or Net Purchases, and our determinations shall be nal.
GIFT CARDS AND AUTOMATIC REDEMPTION: Points will be automatically redeemed for the Gift Cards as stated above. Physical Gift Cards will be sent to the address where we send the Account’s billing statements
(which may take 30 to 60 days after the Account has been awarded the respective 2,500 points). An option to receive Gift Cards in a digital format, as an alternative to physical Gift Cards, may be offered, in which case
digital Gift Cards may take up to 35 days to be available after each respective 2,500 points have been posted to the Account. SCHEELS is responsible for honoring the Gift Cards and may impose additional conditions,
restrictions, and limitations on redemption of the Gift Cards. We are not responsible for SCHEELS’s products or decisions or their refusal to honor Gift Cards or to otherwise participate in the Program. Gift Cards can be
redeemed for online and in-store purchases.
We may change or terminate the Program in our discretion at any time with or without prior notice to you except where required by law.
Visa and Visa Signature are registered trademarks of Visa International Service Association and used under license.
SCHEELS
®
is a federally registered trademark of SCHEELS All Sports Inc.
IMPORTANT REWARDS PROGRAM INFORMATION
SCHEELS
®
VISA
®
CARD WITH PASSION POINTS
TM
REWARDS PROGRAM TERMS AND CONDITIONS SUMMARY
Please read this Terms and Conditions Summary for important information about the SCHEELS
®
Visa
®
Card with Passion Points
TM
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. The Program is dependent on the participation and cooperation of SCHEELS All Sports
Inc. (referred to as “SCHEELS”).
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 Receive 3% back (3 points) for each $1.00 of SCHEELS Purchases posted to the Account. Each point is worth $0.01 toward a SCHEELS gift card.
Receive 1% back (1 point) for each $1.00 of Net Purchases posted to the Account that is not from a SCHEELS Purchase. Each point is worth $0.01 toward a SCHEELS gift card.
BONUS EARNINGS In addition to the above, you will earn 1,500 bonus points after the rst Net Purchase that is not from a SCHEELS 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 Program at that time).
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 do not expire.
POINT FORFEITURE If the Account is closed for any reason, enrollment in the Program will be terminated and any accumulated points will be forfeited.
AUTOMATIC POINT
REDEMPTION
Points are redeemed automatically in 2,500 point increments at the end of each billing cycle. Each 2,500 points equate to a $25 SCHEELS Gift Card (“Gift Card”), subject to the
Program’s complete Terms and Conditions.
AUTOMATIC GIFT
CARD DELIVERY
Physical Gift Cards will be issued in amounts up to $1,000. Physical Gift Cards for amounts exceeding $1,000 will be sent in separate mailings. Physical Gift Cards will be
automatically sent to the same address where the Account’s statements are sent (which may take 30 to 60 days after each respective 2,500 points have been posted to the
Account). An option to receive Gift Cards in digital format, as an alternative to physical Gift Cards, may be offered, in which case digital Gift Cards may take up to 35 days to be
available after each respective 2,500 points have been posted to the Account.