2T-PRTG-REW-2410

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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 6.75% as of the 03/31/2026 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.

23.49% This APR will vary with the market based on the Prime Rate.

APR for Cash Advances

28.74%. 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.

1

● Annual Fee None for the rst year. After that, $50.

● Monthly Fee None

● 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

● Late Payment Up to $40

Complete Rewards

Cards are issued by First National Bank of Omaha, which is referred to below as “we”, “us”, “our”, and “FNBO

®

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”.

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.

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 specied therein. We reserve the right to

determine which Net Purchases are eligible for bonus points.

QUALIFICATION PERIOD: The rst “Qualication Period” is the period from account opening through the last day of your billing cycle that ends during the month of your rst anniversary. After that, each successive

Qualication Period will end on the last day of your billing cycle during your anniversary month. 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.

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)

For all checking and savings account ACH deposit cash back redemptions, the correct account number must be provided in the redemption form in order for the amount requested to be deposited accordingly. If an ACH

deposit is rejected, the redemption will be reversed and the points will be added back to the rewards balance associated with the Account.

We may change or terminate the Program in our discretion at any time with or without prior notice to you except where required by law.

IMPORTANT REWARDS PROGRAM INFORMATION

CASHBACK REWARDS PROGRAM TERMS AND CONDITIONS SUMMARY

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

your rst billing cycle will begin on the day you open your Account and may be more or less than one month.

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 are redeemed on a rst-in, rst-out basis and points will expire on or after the third anniversary of when they were awarded (unless applicable law provides otherwise).

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 are redeemable in 2,500 point increments equaling $25 Cash back can be redeemed in one of the following 3 ways (collectively, the “Rewards”):

• As a statement credit to the Account.

• An ACH deposit to any checking or savings account (ABA routing number required).