T-MGM-20KLTO-2302

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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 8.25% as of the 5/31/2023 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).

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.

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

Penalty APR and When it Applies

How to Avoid Paying Interest on

1

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

For Credit Card Tips from the

Consumer Financial Protection Bureau

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 None

Penalty Fees

● Late Payment Up to $40

● Returned Payment (Payment

Dishonored)

Up to $35

MGM Rewards

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.

Guard or Reserve; or (3) a spouse or dependent of a person who qualies under (1) or (2).

IMPORTANT REWARDS PROGRAM INFORMATION

MGM REWARDS

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

Credit Card Rewards Program (the “Credit Card Rewards Program”). First National Bank of Omaha,

®

”. 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.

MGM Resorts.

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

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

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.

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)

The Signature at MGM Grand, Mandalay Bay, Delano Las Vegas, New York-New York, Luxor, Excalibur, Beau Rivage, MGM Grand Detroit, MGM National Harbor, Park MGM Las Vegas, MGM Springeld, NoMad Las

Vegas, and Borgata. 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 “Automated Fuel Dispensers” (MCC 5542). “Supermarket Purchases” are Net Purchases

made at any merchant whose merchant category code (“MCC”) is classied by the payment card industry as “Grocery Store/Supermarket” (MCC 5411), “Freezer and Locker Meat Provisioners” (MCC 5422), “Candy,

Nut, and Confectionary Store” (MCC 5441), “Dairy Products Stores” (MCC 5451), “Bakeries” (MCC 5462), “Convenience Stores and Specialty Markets” (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, Supermarket 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, Supermarket Purchases,or Net Purchases, and our determinations shall be nal.