T-FRD-PO-2406

287 - -132792

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

“Eligible Purchases” are purchases from participating Ford dealerships and Ford websites in which single or multiple items are purchased in the same transaction totaling at least $499.00.

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 8.50% as of the 07/31/2024 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, Eligible Purchases and Balance Transfers: To determine the variable APR for purchases and balance transfers, we add a margin of 17.24% to 22.74% to the Index (Prime Rate).

APR for Cash Advances: To determine the variable APR for cash advances, we add a margin of 22.74% 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 nance charges (except balance transfer fees) plus 1% of the New Balance (excluding current cycle

fees and nance 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.

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 rst 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 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 nance charges and does not have the benet 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, nance 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 reected in

your credit report.

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 identies 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.

IMPORTANT RATE, FEE AND OTHER COST INFORMATION (SUMMARY OF CREDIT TERMS)

Interest Rates and Interest Charges

Annual Percentage Rate (APR) for

Purchases

For Eligible Purchases: 0.00% APR for the rst 6 billing cycles from the transaction date. After that, your APR will be 25.74% to 31.24%, based on your creditworthiness. This

APR will vary with the market based on the Prime Rate.

For all other purchases: 25.74% to 31.24% when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

APR for Balance Transfers

25.74% to 31.24% based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

APR for Cash Advances

31.24%. This APR will vary with the market based on the Prime Rate.

Penalty APR and When it Applies

None

How to Avoid Paying Interest on

Purchases

Your due date is at least 21 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month.

Minimum Interest Charge

If you are charged interest, the charge will be no less than $1.75.

For Credit Card Tips from the

Consumer Financial Protection Bureau

To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at

www.consumernance.gov/learnmore.

Fees

Set-up and Maintenance Fees

● Annual Fee None

● Monthly Fee None

Transaction Fees

● Balance Transfer Either $10 or 5% of the amount of each transfer, whichever is greater

● Cash Advance Either $15 or 5% of the amount of each cash advance, whichever is greater

● Cash Equivalent Either $15 or 5% of the amount of each cash equivalent transaction, whichever is greater

● Foreign Transaction 3% of each transaction in U.S. dollars

Penalty Fees

● Late Payment Up to $40

● Returned Payment (Payment

Dishonored)

Up to $35

FordPass

Rewards Visa

Card

PLEASE NOTE: If you apply for a credit card, you may receive a Platinum Edition

Visa

Card, a Visa Signature

Card, or we may decline to open an account for you. Eligibility for card products depends on the

information provided in your application and your credit card history. The card you are approved for will determine your Visa benets.

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

”.

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 qualies under (1) or (2).

QUALIFICATION PERIOD: A “Qualication Period” is a period of 12 consecutive billing cycles. The rst Qualication Period will begin with the start of the rst billing cycle after the Account is enrolled in the Credit Card

Rewards Program and will end on the last day of the 12th billing cycle. Each subsequent Qualication Period will be the period of 12 consecutive billing cycles immediately following the prior Qualication Period. 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.

IMPORTANT REWARDS PROGRAM INFORMATION

FORDPASS

REWARDS VISA

CREDIT CARD REWARDS PROGRAM TERMS AND CONDITIONS SUMMARY

Please read this Terms and Conditions Summary for important information about the FordPass

Rewards Visa

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 Ford Motor Company (“Ford”).

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 FordPass

Rewards loyalty program (the “FordPass

Rewards Program”) provided and administered by Ford and through the Credit Card Rewards Program.

FORDPASS

REWARDS PROGRAM: FordPass

Rewards Program Points (“FordPass

Rewards Points”) can be earned through the FordPass

Rewards Program by establishing a valid FordPass

Rewards Program

membership account (“FordPass

Rewards Account”). Ford is solely responsible for the rules and administration of the FordPass

Rewards Program, which is governed by separate terms and conditions found at www.

fordpassrewards.com. FordPass

Rewards Points are redeemable only through the FordPass

Rewards Program.

The FordPass

Rewards Program may, at Ford’s sole discretion, offer additional or promotional opportunities to earn a greater number of FordPass

Rewards Points in connection with certain purchases or promotions.

There may be a limit to the number of FordPass

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 Ford. FordPass

Rewards Points are not redeemable for cash.

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. After you are enrolled in the FordPass

Rewards Program, all Points earned in the Credit Card Rewards Program will be automatically reported to the FordPass

Rewards Program monthly and are redeemable only as FordPass

Rewards Points through

the FordPass

Rewards Program.

Membership in the FordPass

Rewards Program is required in order for Points earned in the Credit Card Rewards Program to be reported to the FordPass

Rewards Program. You can enroll in the FordPass

Rewards

Program by registering at www.fordpassrewards.com. The FordPass

Rewards Program membership and FordPass

Rewards Account will remain in force in accordance with the terms and conditions of the FordPass

Rewards Program, even if an Account is not opened. If enrollment in the FordPass

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, your FordPass

Rewards Account must be open, valid, and current, and you must comply with all terms of the FordPass

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 notied 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 (equal to 5% back in FordPass

Rewards Points) for each $1.00 of Ford Purchases posted to the Account.

Earn 6 Points (equal to 3% back in FordPass

Rewards Points) for each $1.00 of Dining and Select Automotive Purchases posted to the Account.

Earn 2 Points (equal to 1% back in FordPass

Rewards Points) for each $1.00 of Net Purchases posted to the Account that is not from a Ford Purchase or a Dining and Select

Automotive Purchase.

BONUS EARNINGS In addition to the above, an additional $200 statement credit can be earned during each Qualication Period if $6,000 or more in Net Purchases is posted to the Account within

that Qualication Period. Statement credits do not count as payments on your Account, and the regular monthly minimum payments shown on the Account billing statement must

still be made. Please allow up to 8 weeks after the end of each applicable Qualication Period for the statement credit to be applied to your Account (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.

In addition to the above, you will earn 11,000 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).

In addition to the above, you will earn a $100 statement credit after the rst $3,000 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 you qualify for this statement credit for it to be applied to your Account (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 FordPass

Rewards Program terms and conditions at www.fordpassrewards.com for information regarding expiration, redemption, forfeiture, and other limitations

on FordPass

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 a FordPass

Rewards Point, which will be redeemable only through the FordPass

Rewards Program.

FordPass

Rewards Points are not redeemable for cash.

REDEMPTION REQUESTS Points are redeemable only after they are reported to the FordPass

Rewards Program. Please see the FordPass

Rewards Program terms and conditions at www.

fordpassrewards.com for information on FordPass

Rewards Point redemption.

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 benets that we provide; or (e) other transactions that we determine not to be eligible. “Ford Purchases” are

Net Purchases made only at participating Ford dealerships or Ford websites.”Dining Purchases” are Net Purchases made at any merchant whose merchant category code (“MCC”) is classied by the payment card

industry as “Caterers” (MCC 5811), “Eating Places and Restaurants” (MCC 5812), “Drinking Places (Alcoholic Beverages) - Bars, Taverns, Nightclubs, Cocktail Lounges, and Discotheques” (MCC 5813), or “Fast Food

Restaurants” (MCC 5814).”Select Automotive Purchases” are Net Purchases made at any merchant whose merchant category code (“MCC”) is classied by the payment card industry as “Tolls, Roads and Bridge Fees”

(MCC 4784), “Service Stations (with or without ancillary services)” (MCC 5541), “Automated Fuel Dispensers” (MCC 5542), “Electric Vehicle Charging” (MCC 5552), “Direct Marketing - Insurance Services” (MCC 5960),

“Insurance Sales and Underwriting (MCC 6300), “Insurance - Premiums” (MCC 6381) and “Parking Lots, Meters and Garages” (MCC 7523).The MCC is a four-digit code used by the payment card industry to classify a

merchant’s primary business. Some merchants may have multiple MCCs (even within the same retail location) and some merchants might be expected to be classied into one of the MCCs identied above, but they may

not be classied as such. This could affect whether purchases made from such merchants will qualify as Dining Purchases, Select Automotive Purchases,or other Net Purchases and, as a result, how many Points will be

earned on such transactions. We do not assign MCCs to merchants and we are not responsible for conrming or monitoring the MCC assignments made by the payment card networks.

We reserve the right to determine, in our sole discretion, whether transactions qualify as Ford Purchases, Dining Purchases, Select Automotive Purchases,or Net Purchases, and our determinations shall be nal.

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

FORDPASS

REWARDS POINTS: In order for Points to be reported to the FordPass

Rewards Program, you must have (1) an open and active FordPass

Rewards Account; (2) your Account must be open; and (3) you

must be enrolled in the Credit Card Rewards Program and your enrollment must not be suspended. If these three pre-requisites are fullled, Points earned in the Credit Card Rewards Program will be reported each month

to the FordPass

Rewards Program. Ford will make the corresponding number of FordPass

Rewards Points available in your FordPass

Rewards Account based on the number of Points reported from the Credit Card

Rewards Program. If you have questions about your FordPass

Rewards Points, please see the FordPass

Rewards Program terms and conditions at www.fordpassrewards.com.

REWARDS AND REDEMPTION: All terms and conditions pertaining to the FordPass

Rewards Program will apply. Ford is solely responsible for redemption and for all other aspects of the FordPass

Rewards Program.

FordPass

Rewards Points will be redeemed as stated in the FordPass

Rewards Program terms and conditions found at www.fordpassrewards.com. Ford may impose additional conditions, restrictions, and limitations

on redemption and/or expiration of FordPass

Rewards Points. We are not responsible for the FordPass

Rewards Program or for Ford products, services, or decisions or its refusal to redeem FordPass

Rewards Points.

We are not responsible for making FordPass

Rewards Points available in a FordPass

Rewards Account, including any decision by Ford not to credit a FordPass

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.

Visa and Visa Signature are registered trademarks of Visa International Service Association and used under license.