T-COV-PO-2505
286 - -134115
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 highest U.S. Prime Rate as published in the “Money Rates” section of The Wall Street Journal during the 90 days immediately
preceding the last day of each calendar month (the determination date). The above APRs are based on an Index (Prime Rate) of 7.00% as of the 02/27/2026 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 May determination date.
APR for Purchases and Balance Transfers: To determine the variable APR for purchases and balance transfers, we add a margin of 13.74% or 16.74% to the Index (Prime Rate).
APR for Cash Advances: To determine the variable APR for cash advances, we add a margin of 21.49% to the Index (Prime Rate).
How We Will Calculate Your Minimum Payment: If your New Balance is less than $35, the minimum payment will be equal to your New Balance. If your New Balance is $35 or greater, the minimum payment
will be the greater of (a) 2% of the New Balance or $35, 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.
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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 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 nance charges and does not have the benet 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 reected 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 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.
IMPORTANT RATE, FEE AND OTHER COST INFORMATION (SUMMARY OF CREDIT TERMS)
Interest Rates and Interest Charges
Annual Percentage Rate (APR) for
Purchases
0.00% introductory APR for the rst 6 billing cycles.
After that, your APR will be 20.74% or 23.74%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
APR for Balance Transfers
20.74% or 23.74% based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
APR for Cash Advances
28.49%. This APR will vary with the market based on the Prime Rate.
How to Avoid Paying Interest on
Purchases
Your due date is at least 20 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.
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Minimum Interest Charge If you are charged interest, the charge will be no less than $1.75.
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 $5 or 5% of the amount of each cash advance, whichever is greater
● Cash Equivalent Either $5 or 5% of the amount of each cash equivalent transaction, whichever is greater
● Foreign Transaction None
Penalty Fees
● Late Payment $35 if New Balance is less than $500
$39 if New Balance is equal to or greater than $500
●Over-the-Credit-Limit $39
● Returned Payment (Payment Dishonored) $35
Professional Edition
®
Mastercard
®
Cards are issued by First National Bank of Omaha, which is referred to below as “we”, “us”, “our”, and “FNBO
®
”.
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. You may request arbitration rules and forms through either or
both of the following arbitration administrators: American Arbitration Association, 1-800-778-7879; and National Arbitration Forum, 1-800-474-2371. Please review the Cardmember Agreement and its arbitration provision
carefully before you use or allow someone else to use an account.
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, which
could result in a negative point balance. 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. “Covetrus Purchases”
are Net Purchases made only from a participating Covetrus location.“Travel Purchases” are Net Purchases made at any merchant whose merchant category code (“MCC”) is classied by the payment card industry as
“Local, Suburban Commuter Passenger Transportation, including Ferries” (MCC 4111), “Passenger Railways” (MCC 4112), “Taxicabs and Limousines” (MCC 4121), “Bus Lines, Including Charters, Tour Buses” (MCC
4131), “Cruise Lines/Steamships Lines” (MCC 4411), “Airline, Air Carriers (not elsewhere classied)” (MCC 4511), “Travel Agencies and Tour Operations” (MCC 4722), “Package Tour Operators (For use in Germany only)”
(MCC 4723), “Toll and Bridge Fees” (MCC 4784), “Transportation Services (not elsewhere classied)” (MCC 4789), “Direct Marketing – Travel Related Arrangements Services” (MCC 5962), “Lodging – Hotels, Motels,
Resorts, Central Reservation Services (not elsewhere classied)” (MCC 7011), “Specic Airline Codes” (MCC 3000-3350), “Specic Car Rental Company Codes” (MCC 3351-3500), “Specic Hotel and Resort Codes”
(MCC 3501-3999), “Timeshares” (MCC 7012), or “Car Rental Agencies (not elsewhere classied)” (MCC 7512).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 classied into one of the MCCs identied above, but they may not be classied as such.
This could affect whether purchases made from such merchants will qualify as Travel 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 conrming 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 Covetrus Purchases, Travel Purchases, Net Purchases, and our determinations shall be nal.
BUSINESS ACCOUNTS: A “Business Account” is an Account that you agree to use solely for business purposes in your Cardmember Agreement. A Business Account with multiple cardholders may elect to award and
redeem points at the company level or to one or more designated individual Accounts. Certain limitations may apply. If you need assistance designating point awards, please contact Commercial Card Client Servicing at
1-800-652-5741. If this section conicts with any other section of these Terms and Conditions, then this section shall control with respect to Business Accounts.
IMPORTANT REWARDS PROGRAM INFORMATION
COVETRUS COMPLETE REWARDS
®
FOR BUSINESS PROGRAM TERMS AND CONDITIONS SUMMARY
Please read this Terms and Conditions Summary for important information about the Covetrus Complete Rewards
®
for Business 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 Covetrus, Inc. (referred to as
“Covetrus”).
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 Earn 2 points (equal to 2% back) for each $1.00 of Covetrus Purchases posted to the Account.
Earn 2 points (equal to 2% back) for each $1.00 of Travel Purchases posted to the Account.
Earn 1 point (equal to 1% back) for each $1.00 of Net Purchases posted to the Account that is not from a Covetrus Purchase or Travel Purchase.
BONUS EARNINGS In addition to the above, during the rst 3 consecutive billing cycles after the Account is opened, you will earn an additional 2 bonus points for each $1.00 in Covetrus Purchases
posted to the Account. Following the rst 3 consecutive billing cycles after the Account is opened, you will no longer earn the additional 2 bonus points but you will earn the regular
points as described above. 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). 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, during the rst 3 consecutive billing cycles after the Account is opened, you will earn an additional 2 bonus points for each $1.00 in Travel Purchases
posted to the Account. Following the rst 3 consecutive billing cycles after the Account is opened, you will no longer earn the additional 2 bonus points but you will earn the regular
points as described above. 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). 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, during the rst 3 consecutive billing cycles after the Account is opened, you will earn an additional 1 bonus point for each $1.00 in Net Purchases that
is not from a Covetrus Purchase, or Travel Purchase posted to the Account. Following the rst 3 consecutive billing cycles after the Account is opened, you will no longer earn the
additional 1 bonus point but you will earn the regular points as described above. 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). 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 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 (unless applicable law provides otherwise).
POINT REDEMPTION Points can be redeemed for (collectively, the “Rewards”):
• Merchandise
• Gift cards/certicates
• Travel (Airline, Hotel, and Car Rentals)
• Cash back as a statement credit to the Account, an ACH deposit to any checking or savings account (ABA routing number required), or as a check sent by mail
• Other goods and services
Points can be redeemed for Rewards in two ways: 1) Manual Point Redemption or 2) Automatic Cash Back Redemption. See below for details.
REDEMPTION REQUESTS Available 24/7 through online access or toll-free customer service during hours of operation; additional information about redemption will be provided if you become a
cardmember.
REWARDS AND REDEMPTION: Business card arrangements with multiple cardholder Accounts earn points at the individual Account level, but businesses may elect to set up the Accounts so that points can be awarded
and redeemed at a certain, designated Account level.
Point redemption may be subject to shipping, handling, or other fees. Redemption requests are subject to point balance verication. Upon verication of the point balance, if the Account does not have enough points to
redeem for a particular Reward, some Rewards may be available by redeeming at least 1,000 points toward the Reward and then paying the balance owed for the Reward with a credit card. If a credit card is reported lost
or stolen, the ability to redeem points will be temporarily suspended until a new card is issued.
Points can be used to obtain the Rewards in two ways: 1) Manual Point Redemption or 2) Automatic Cash Back Redemption.
1). Manual Point Redemption: Points can be redeemed manually for Rewards;
2). Automatic Cash Back Redemption: Rewards can also be set to be redeemed automatically, either as a check or as a credit to the Account, in the amount of $100 for every 10,000 points accumulated (“Automatic
Cash Back Redemptions”). Automatic Cash Back Redemptions will take place daily, except for weekends and holidays. Manual redemption of points is still available even if the Automatic Cash Back Redemption option
is selected. The Automatic Cash Back Redemption can be cancelled at any time by updating the preferences on the Website or by calling the Rewards Service Center.
CASH BACK: Only points can be used to redeem for cash back, not a combination of points and a credit card. Cash back in the form of a statement credit will be applied as a credit to the Account that is designated by
the company Program Administrator for those businesses that elect to set up point awards and redemptions to be done at a certain, designated Account level. Information on how to set up a designated Account can be
obtained once you become an approved cardmember. While cash back in the form of a statement credit will be applied as a credit to the designated Account, the regular monthly minimum payments shown on the
Account billing statements must still be made.
We are not responsible for replacing lost, stolen or destroyed checks. Checks that have not been cashed and cleared within 120 days after the issue date will become void and the money received as a Reward will be
credited to the designated Account as a statement credit.
For all ACH deposit checking and savings cash back redemptions, the correct account number must be provided in the redemption form in order for the amount requested to be deposited accordingly. If an ACH deposit
is rejected, the redemption will be reversed and the points will be added back to the rewards balance associated with the Account.
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.
