5T-MGM-PR-2005

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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 7.50% as of the 03/31/2025 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 16.74% to the Index (Prime Rate).

APR for Cash Advances: To determine the variable APR for cash advances, we add a margin of 16.74% 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 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 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

24.24% when you open your account. This APR will vary with the market based on the Prime Rate.

APR for Balance Transfers

24.24% This APR will vary with the market based on the Prime Rate.

APR for Cash Advances

24.24%. 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 $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 Up to $40

● Returned Payment (Payment

Dishonored)

Up to $35

World Mastercard

PLEASE NOTE: You must be at least 21 years of age at the time of application, and an MGM Rewards member in good standing, to be eligible for an MGM Rewards World Mastercard

, and to have its rewards

program. If you are at least 18 but not yet 21 and you would like to apply for an FNBO Edition

Mastercard

that does not have a rewards program, then please visit www.card.fnbo.com/fnbomnr. Your MGM Rewards

Program account may only be linked to one MGM Rewards Mastercard

account. Multiple applications for the MGM Rewards Mastercard

may be declined.

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).

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. “MGM Rewards Purchases”

are Net Purchases made only at participating MGM Rewards Destinations and their respective websites, including www.mgmrewards.com, or at participating merchants located on the premises of participating MGM

Rewards Destinations. “MGM Rewards Destinations” are designated resorts in the United States that participate in the MGM Rewards Program, which currently include Bellagio, ARIA, Vdara, MGM Grand Las Vegas,

Cosmopolitan of Las Vegas, The Signature at MGM Grand, Mandalay Bay, W Las Vegas, Park MGM Las Vegas, NoMad Las Vegas, New York-New York, Luxor, Excalibur, MGM Springeld, MGM National Harbor,

MGM Grand Detroit, Beau Rivage, Borgata, MGM Northeld Park, and Empire City Casino. Please visit www.mgmrewards.com for more information on participating MGM Rewards Destinations.”Gas Purchases”

are Net Purchases made at any merchant whose merchant category code (“MCC”) is classied by the payment card industry as “Service Stations (with or without ancillary services)” (MCC 5541) or “Fuel Dispenser,

Automated” (MCC 5542).”Grocery Purchases” are Net Purchases made at any merchant whose merchant category code (“MCC”) is classied by the payment card industry as “Grocery Stores, Supermarkets” (MCC

5411), “Freezer, Locker Meat Provisioners” (MCC 5422), “Candy, Nut, Confectionery Stores” (MCC 5441), “Dairy Products Stores” (MCC 5451), “Bakeries” (MCC 5462), “Miscellaneous Food Stores: Convenience Stores,

Markets, Specialty Stores” (MCC 5499) or “Package Stores, Beer, Wine, and Liquor” (MCC 5921). Merchants that sell grocery items may not necessarily have one of these MCCs.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 Gas Purchases, Grocery 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 MGM Rewards Purchases, Gas Purchases, Grocery Purchases, or Net Purchases, and our determinations shall be nal.

IMPORTANT REWARDS PROGRAM INFORMATION

MGM REWARDS

WORLD ELITE MASTERCARD

CREDIT CARD REWARDS PROGRAM TERMS AND CONDITIONS SUMMARY

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

World Elite 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 MGM Resorts International Operations, Inc. (referred to as “MGM Resorts”).

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 (the “MGM Rewards Program”) provided and administered by MGM Resorts and through the Credit Card Rewards Program.

MGM REWARDS PROGRAM: MGM Rewards Program points (“MGM Mastercard Points”) can be earned through the MGM Rewards Program by establishing a valid MGM Rewards Program account (“MGM Rewards

Program account”). MGM Resorts is solely responsible for the rules and administration of the MGM Rewards Program, which is governed by separate terms and conditions found at www.mgmrewards.com. MGM

Mastercard Points are redeemable only through the MGM Rewards Program.

The MGM Rewards Program may, at MGM Resorts’s sole discretion, offer additional or promotional opportunities to earn a greater number of MGM Mastercard Points in connection with certain purchases or promotions.

There may be a limit to the number of MGM Mastercard Points that can be earned in connection with such purchases or promotions, and certain exclusions, and limitations, on redemption may apply, as determined by

MGM Resorts.

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 MGM Rewards Program monthly and are redeemable only as MGM Mastercard Points through the MGM Rewards Program.

Membership in the MGM Rewards Program is required in order for Points earned in the Credit Card Rewards Program to be reported to the MGM Rewards Program.You can enroll in the MGM Rewards Program at

www.mgmrewards.com. Enrollment in the Credit Card Rewards Program for MGM Rewards Program members will occur automatically when the Account is opened. The MGM Rewards Program membership and MGM

Rewards Program account will remain in force in accordance with the terms and conditions of the MGM Rewards Program, even if an Account is not opened. If enrollment in the MGM 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 MGM Rewards Program account, and you must comply with all terms of the MGM

Rewards Program, which requires that MGM Rewards 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 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 3 Points for each $1.00 of MGM Rewards Purchases posted to the Account

Earn 2 Points for each $1.00 of Gas Purchases or Grocery Purchases posted to the Account.

Earn 1 Point for each $1.00 of Net Purchases posted to the Account that is not from an MGM Rewards Purchase, Gas Purchase, or Grocery Purchase.

BONUS EARNINGS In addition to the above, you will earn 10,000 bonus Points (equal to $100 back through the MGM Rewards Program) 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 MGM Rewards Program Rules at www.mgmrewards.com for information regarding expiration, redemption, forfeiture, and other limitations on MGM Mastercard

Points and Tier 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 MGM Mastercard Point, which will be redeemable only through the MGM Rewards Program.

REDEMPTION REQUESTS Points are redeemable only after they are reported to the MGM Rewards Program. Please see the MGM Rewards Program terms and conditions at www.mgmrewards.com for

information on MGM Mastercard Point redemption.

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, which may result in negative Point reporting to the MGM Rewards Program. 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. Your enrollment in the Credit Card Rewards Program must not be suspended in order for Points to be reported to the

MGM Rewards Program. 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.

MGM REWARDS POINTS AND TIER CREDITS: The Account must be open and your enrollment in the Credit Card Rewards Program must not be suspended in order for Points to be reported to the MGM Rewards

Program. Points earned in the Credit Card Rewards Program will be reported each month to the MGM Rewards Program. MGM Resorts will make the corresponding number of MGM Mastercard Points available in your

MGM Rewards Program account based on the number of Points reported from the Credit Card Rewards Program. In addition to MGM Mastercard Points, MGM Resorts will award you 1 Tier Credit for each Point earned

from MGM Rewards Purchases, Gas Purchases, Grocery Purchases, and Net Purchases. MGM Resorts will not award Tier Credits for Points earned through bonuses and promotions.

TIER MEMBERSHIP AT PEARL STATUS: Unless you were already at a higher MGM Rewards tier, your MGM Rewards tier was automatically set at Pearl when your Account was issued. Please note, however, that it

can take up to 14 days after the Account is opened for the benets associated with Pearl to be reected on the MGM Rewards Program account. While you may still advance your MGM Rewards tier based on the number

of Tier Credits you earn, your MGM Rewards tier will remain at least Pearl as long as the Account remains open. Once your Account is closed, however, your MGM Rewards tier will be based solely on the terms and

conditions of the MGM Rewards Program and will no longer be set automatically at Pearl.

REWARDS AND REDEMPTION: All terms and conditions pertaining to the MGM Rewards Program will apply. MGM Resorts is solely responsible for redemption and for all other aspects of the MGM Rewards Program.

MGM Mastercard Points will be redeemed as stated in the MGM Rewards Program terms and conditions found at www.mgmrewards.com. MGM Resorts may impose additional conditions, restrictions, and limitations on

redemption and/or expiration of MGM Mastercard Points. We are not responsible for the MGM Rewards Program or for MGM Resorts products, services, or decisions or its refusal to redeem MGM Mastercard Points.

We are not responsible for making MGM Mastercard Points available in a MGM Rewards Program account, including any decision by MGM Resorts not to credit a MGM Rewards Program 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.

MGM Resorts International offers GameSense information to its patrons to encourage responsible gaming at mgmresorts.com/gamesense (in MA at gamesensema.com). If you or someone you know has a gambling

problem or concerns with gambling responsibly, please call the 24-hour National Problem Gambling Helpline at 1.800.GAMBLER (in Maryland, Michigan, Mississippi, Nevada, New Jersey, and Ohio), 1.800.327.5050 (in

Massachusetts), or 1.877.8HopeNY or text HOPENY (467369) [Standard Text Rates May Apply] (in New York). Or visit mdgamblinghelp.org (in MD), gamblinghelplinema.org (in MA), OASAS.ny.gov/problem-gambling (in

New York), or org.ohio.gov (in Ohio) for help. Please play responsibly. If you bet more than you can afford to lose, you’ve got a problem.

Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.