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).
IMPORTANT REWARDS PROGRAM INFORMATION
STATION CASINOS MY|REWARDS
TM
MASTERCARD
®
CREDIT CARD REWARDS PROGRAM TERMS AND CONDITIONS SUMMARY
Please read this Terms and Conditions Summary for important information about the Station Casinos my|Rewards
TM
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 Station Casinos LLC (referred to as “Station Casinos”).
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 Station Casinos my|BoardingPass
TM
Rewards Program (the “my|BoardingPass Program”) provided and administered by Station Casinos and through the Credit Card
Rewards Program.
MY|BOARDINGPASS PROGRAM: my|BoardingPass Program points (“my|BoardingPass Point”) can be earned through the my|BoardingPass Program by establishing a valid my|BoardingPass Program account
(“my|BoardingPass account”). Station Casinos is solely responsible for the rules and administration of the my|BoardingPass Program, which is governed by separate terms and conditions found at www.sclv.com/
MyBoardingPass/BoardingPassRules. my|BoardingPass Point are redeemable only through the my|BoardingPass Program.
The my|BoardingPass Program may, at Station Casinos’s sole discretion, offer additional or promotional opportunities to earn a greater number of my|BoardingPass Point in connection with certain purchases or
promotions. There may be a limit to the number of my|BoardingPass Point that can be earned in connection with such purchases or promotions, and certain exclusions, and limitations, on redemption may apply, as
determined by Station Casinos.
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 my|BoardingPass Program monthly and are redeemable only as my|BoardingPass Point through the my|BoardingPass Program.
Membership in the my|BoardingPass Program is required in order for Points earned in the Credit Card Rewards Program to be reported to the my|BoardingPass Program.You can enroll in the my|BoardingPass
Program at www.sclv.com/MyBoardingPass/BoardingPassRules. Enrollment in the Credit Card Rewards Program for my|BoardingPass Program members will occur automatically when the Account is opened. The
my|BoardingPass Program membership and my|BoardingPass account will remain in force in accordance with the terms and conditions of the my|BoardingPass Program, even if an Account is not opened. If enrollment
in the my|BoardingPass 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 my|BoardingPass account, and you must comply with all terms of the my|BoardingPass
Program, which requires that my|BoardingPass Program members be at least 21 years old. 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 30 Points for each $1.00 of Station Casinos Purchases posted to the Account.
Earn 20 Points for each $1.00 of Travel Purchases or Dining Purchases posted to the Account.
Earn 10 Points for each $1.00 of Net Purchases posted to the Account that is not from a Station Casinos Purchase, Travel Purchase, or Dining Purchase.
BONUS EARNINGS In addition to the above, an additional 10,000 Status Credits can be earned during each Qualication Period if $10,000 or more in Net Purchases is posted to the Account within
that Qualication Period. Station Casinos will award these Status Credits 4 to 8 weeks after the end of the applicable Qualication Period (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.
Station Casinos will award a one-time bonus of 10,000 Status Credits. Please allow up to 8 weeks after Status Credits are earned for these Status Credits to be added (Account
must be open and enrolled in the Credit Card Rewards Program at that time).
In addition to the above, you will earn 50,000 bonus Points after the rst $1,000 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 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 my|BoardingPass Ofcial Rules at www.sclv.com/MyBoardingPass/BoardingPassRules for information regarding expiration, redemption, forfeiture, and other
limitations on Boarding Pass Points and Status Credits.
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 my|BoardingPass Point, which will be redeemable only through the my|BoardingPass Program.
REDEMPTION REQUESTS Points are redeemable only after they are reported to the my|BoardingPass Program. Please see the my|BoardingPass Program terms and conditions at www.sclv.com/
MyBoardingPass/BoardingPassRules for information on my|BoardingPass Point redemption.