2T-AGR-306-2303

306 - -128211

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 19.74% 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.

individual upon request. The Ohio Civil Rights Commission administers compliance with this law.

IMPORTANT RATE, FEE AND OTHER COST INFORMATION (SUMMARY OF CREDIT TERMS)

APR for Cash Advances

Penalty APR and When it Applies

How to Avoid Paying Interest on

Purchases

1

Minimum Interest Charge

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

● Annual Fee None

● Monthly Fee None

● 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

● Late Payment Up to $40

● Returned Payment (Payment

Up to $35

Guest Rewards

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.

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

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. “Amtrak Purchases”

are Net Purchases of Amtrak goods and services available through www.amtrak.com, Amtrak mobile app, or at Amtrak participating locations (including onboard purchases and Amtrak Vacation purchases). “Amtrak

Lounges, Discotheques, Nightclubs, and Taverns: Drinking Places (Alcoholic Beverages)” (MCC 5813), or “Fast Food Restaurants” (MCC 5814).“Dining Purchases” are Net Purchases made at any merchant, other than

Amtrak, whose merchant category code (“MCC”) is classied by the payment card industry as “Caterers” (MCC 5811), “Eating Places, Restaurants” (MCC 5812), “Bars, Cocktail Lounges, Discotheques, Nightclubs, and

Taverns: Drinking Places (Alcoholic Beverages)” (MCC 5813), or “Fast Food Restaurants” (MCC 5814).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 Dining 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 Amtrak Purchases, Amtrak Food and Beverage Purchases, Dining Purchases, or Net Purchases, and our determinations shall be

discretion and is dependent on the participation and cooperation of National Railroad Passenger Corporation (referred to as “Amtrak”).

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 Amtrak Guest Rewards program (the “Amtrak Guest Rewards Program”) provided and administered by Amtrak and through the Credit Card Rewards Program.

AMTRAK GUEST REWARDS PROGRAM: Amtrak Guest Rewards Program points (“Amtrak Guest Rewards Points”) can be earned through the Amtrak Guest Rewards Program by establishing a valid Amtrak Guest

Rewards Program account (“Amtrak Guest Rewards Membership Account”). Amtrak is solely responsible for the rules and administration of the Amtrak Guest Rewards Program, which is governed by separate terms

and conditions found at www.amtrak.com/guestrewards. Amtrak Guest Rewards Points are redeemable only through the Amtrak Guest Rewards Program.

The Amtrak Guest Rewards Program may, at Amtrak’s sole discretion, offer additional or promotional opportunities to earn a greater number of Amtrak Guest Rewards Points in connection with certain purchases or

promotions. There may be a limit to the number of Amtrak Guest Rewards Points that can be earned in connection with such purchases or promotions, and certain exclusions, and limitations, on redemption may apply,

as determined by Amtrak.

Amtrak Guest Rewards Program. 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 2 Points for each $1.00 of Amtrak Purchases posted to the Account.

Earn 2 Points for each $1.00 of Dining Purchases posted to the Account.

Earn 1 Point for each $1.00 of Net Purchases posted to the Account that is not from an Amtrak Purchase or Dining Purchase.

BONUS EARNINGS In addition to the above, you will earn 20,000 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.

promotions.

POINT EXPIRATION Please see the Amtrak Guest Rewards Program terms and conditions at www.amtrak.com/guestrewards for information regarding expiration, redemption, forfeiture, and other

limitations on Amtrak Guest Rewards Points.

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 Amtrak Guest Rewards Point, which will be redeemable only through the Amtrak Guest Rewards Program.

REDEMPTION REQUESTS Points are redeemable only after they are reported to the Amtrak Guest Rewards Program. Please see the Amtrak Guest Rewards Program terms and conditions at www.amtrak.

com/guestrewards for information on Amtrak Guest Rewards 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 Amtrak Guest 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 Amtrak Guest 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