T-MGM-20KLTO-2302
250 - -128278
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).
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.
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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 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
24.99% when you open your account. This APR will vary with the market based on the Prime Rate.
APR for Balance Transfers
24.99% This APR will vary with the market based on the Prime Rate.
APR for Cash Advances
24.99%. 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.
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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 None
Penalty Fees
Late Payment Up to $40
Returned Payment (Payment
Dishonored)
Up to $35
MGM Rewards
TM
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).
IMPORTANT REWARDS PROGRAM INFORMATION
MGM REWARDS
TM
MASTERCARD
®
CREDIT CARD REWARDS PROGRAM TERMS AND CONDITIONS SUMMARY
Please read this Terms and Conditions Summary for important information about the MGM 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 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 Supermarket 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 a Supermarket Purchase.
BONUS EARNINGS In addition to the above, you will earn 20,000 bonus Points after the rst $1,500 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.
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,
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.
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.
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, Supermarket 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 Problem Gamblers HelpLine at 800.522.4700 or call 800-GAMBLER (in NJ and MD), 800.426.1234 (in MA), 800.270.7117 (in MI), 877.8HopeNY
or text HOPENY (467369) (in NY), or 800.589.9966 (in OH). Or visit mdgamblinghelp.org (in MD), masscompulsivegambling.org (in MA), or org.ohio.gov (in OH) 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.