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.
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 qualies under (1) or (2).
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. “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), “Amusement Parks, Carnivals, Etc” (MCC 7996), “Aquariums, Dolphinariums, and Seaquariums” (MCC 7998).“Gas Purchases” are Net Purchases made at any merchant whose
merchant category code (“MCC”) is classied by the payment card industry as “Service Stations (with or without ancillary services)” (MCC 5541) or “Automated Fuel Dispensers” (MCC 5542). “Dining Purchases” are Net
Purchases made at any merchant whose merchant category code (“MCC”) is classied by the payment card industry as “Caterers” (MCC 5811), “Eating Places and Restaurants” (MCC 5812), “Drinking Places (Alcoholic
Beverages) - Bars, Taverns, Nightclubs, Cocktail Lounges, and Discotheques” (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 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, Gas Purchases, 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 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 Travel Purchases, Gas Purchases, Dining Purchases, or Net Purchases, and our determinations shall be nal.
REWARDS AND REDEMPTION: 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.
IMPORTANT REWARDS PROGRAM INFORMATION
GETAWAY BY FNBO REWARDS PROGRAM TERMS AND CONDITIONS SUMMARY
Please read this Terms and Conditions Summary for important information about the Getaway by FNBO Rewards Program (“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 offered at our sole discretion.
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 3 points (equal to 3% back) for each $1.00 of Travel Purchases, Gas Purchases and Dining 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 Travel Purchase, Gas Purchase, or Dining Purchase.
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
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.