ex10_2.htm


     

    
       Exhibit
10.2 

      


      
        	
                 IMPORTANT
      RATE, FEE AND OTHER COST INFORMATION 

                 (Summary
      of Credit Terms) 

              
	  
      


      

      


      
        	
                 PLEASE NOTE: If you apply for the Maximum
      RewardsSM
      Platinum Edition®
      Visa®
      Card and meet our eligibility criteria for the Visa Signature®
      Card with Maximum RewardsSM,
      you agree that we may consider your application as one for (and upgrade
      you to) the Visa Signature®
      Card with Maximum RewardsSM. 

              
	  
      


      

       

      
        
          	  
      


        

        


        
          	 
	  
      	
                   Maximum
      RewardsSM
      Platinum Edition® 

                	
                   Visa
      Signature®
      with Maximum Rewards® 

                
	
                   Annual
      Percentage Rate (APR) for Purchases 

                	
                   0.00%
      APR fixed for the first 6 billing cycles after your account is
      opened.† 

                   After
      that, 13.99% APR variable, 15.99% APR variable, or 17.99% APR variable (as
      of 07/01/2008) depending on how you meet our credit criteria.†* 

                	
                   0.00%
      APR fixed for the first 6 billing cycles after your account is
      opened.† 

                   After
      that, 9.99% APR variable (as of 07/01/2008).†* 

                
	
                   Other
      APRs 

                	
                   Balance
      Transfer APR: 0.00% fixed for the first 6 billing cycles after your
      account is opened.†
      After that, 13.99% APR variable, 15.99% APR variable, or 17.99% APR
      variable (as of 07/01/2008) depending on how you meet our credit
      criteria.†* 

                   Cash
      Advance APR: 21.75% variable (as of 07/01/2008).†* 

                   Penalty
      Rate APR: up to 29.99% variable (as of 07/01/2008) (see explanation
      below).†* 

                	
                   Balance
      Transfer APR: 0.00% fixed on Balance Transfers made in the first 6 billing
      cycles after your account is opened.†
      After that, 9.99% APR variable (as of 07/01/2008).†* 

                   Cash
      Advance APR: 21.75% variable (as of 07/01/2008).†* 

                   Penalty
      Rate APR: up to 29.99% variable (as of 07/01/2008) (see explanation
      below).†* 

                
	
                   Variable
      Rate Information 

                	
                   The
      APR for Purchases and Balance Transfers may vary and will be the greater
      of 13.99% or the Index plus a Margin of 5.74%,* or the greater of 15.99%
      or the Index plus a Margin of 7.74%, * or the greater of 17.99% or the
      Index plus a Margin of 9.74% depending on how you meet our credit
      criteria.* The APR for Cash Advances may vary and will be the greater of
      19.99% or the Index plus a Margin of 15.75%.* The APR for Penalty Rates
      may vary and will be the Index plus a Margin of up to
      23.99%.* 

                	
                   The
      APR for Purchases and Balance Transfers may vary and will be the greater
      of 9.99% or the Index plus a Margin of 1.74%.* The APR for Cash Advances
      may vary and will be the greater of 19.99% or the Index plus a Margin of
      15.75%.* The APR for Penalty Rates may vary and will be the Index plus a
      Margin of up to 23.99%.* 

                
	
                   Grace
      Period for Repayment of Balance for Purchases 

                	
                   Not
      less than 20 days from the closing date of the billing cycle (provided you
      have paid your previous New Balance in full by the due
      date). 

                	
                   Not
      less than 20 days from the closing date of the billing cycle (provided you
      have paid your previous New Balance in full by the due
      date). 

                
	
                   Method
      of Computing the Balance for Purchases 

                	
                   Average
      daily balance (including new purchases). 

                	
                   Average
      daily balance (including new purchases). 

                
	
                   Annual
      Fee 

                	
                   None. 

                	
                   None. 

                
	
                   Minimum
      Finance Charge 

                	
                   $1.75
      (any billing cycle a finance charge is imposed). 

                	
                   $1.75
      (any billing cycle a finance charge is imposed). 

                
	
                   Foreign
      Currency Transaction Fee for Transactions made in Non-U.S.
      Currency 

                	
                   3%
      of the amount of the transaction (after conversion to U.S.
      Dollars). 

                	
                   3%
      of the amount of the transaction (after conversion to U.S.
      Dollars). 

                
	
                   Transaction
      Fee for Cash Advances 

                	
                   The
      greater of $15 or 3% of the transaction (the greater of $15 or 5% of the
      transaction for certain "Cash Equivalent
    Transactions"). 

                	
                   The
      greater of $15 or 3% of the transaction (the greater of $15 or 5% of the
      transaction for certain “Cash Equivalent
    Transactions”). 

                
	
                   Transaction
      Fee for Balance Transfers 

                	
                   The
      greater of $10 or 3% of the transaction. 

                	
                   The
      greater of $10 or 3% of the transaction. 

                
	
                   Over
      Limit Fee 

                	
                   $39. 

                	
                   None. 

                
	
                   Late
      Payment Fee 

                	
                   $35
      if your New Balance is less than $500; or $39 if your New Balance is equal
      to or greater than $500. 

                	
                   $35
      if your New Balance is less than $500; or $39 if your New Balance is equal
      to or greater than $500. 

                


        

        	  
      	
                 Maximum
      RewardsSM
      Platinum Edition® 

              	
                 Visa
      Signature®
      with Maximum Rewards® 

              
	
                 Annual
      Percentage Rate (APR) for Purchases 

              	
                 0.00%
      APR fixed for the first 6 billing cycles after your account is
      opened.† 

                 After
      that, 13.99% APR variable, 15.99% APR variable, or 17.99% APR variable (as
      of 07/01/2008) depending on how you meet our credit criteria.†* 

              	
                 0.00%
      APR fixed for the first 6 billing cycles after your account is
      opened.† 

                 After
      that, 9.99% APR variable (as of 07/01/2008).†* 

              
	
                 Other
      APRs 

              	
                 Balance
      Transfer APR: 0.00% fixed for the first 6 billing cycles after your
      account is opened.†
      After that, 13.99% APR variable, 15.99% APR variable, or 17.99% APR
      variable (as of 07/01/2008) depending on how you meet our credit
      criteria.†* 

                 Cash
      Advance APR: 21.75% variable (as of 07/01/2008).†* 

                 Penalty
      Rate APR: up to 29.99% variable (as of 07/01/2008) (see explanation
      below).†* 

              	
                 Balance
      Transfer APR: 0.00% fixed on Balance Transfers made in the first 6 billing
      cycles after your account is opened.†
      After that, 9.99% APR variable (as of 07/01/2008).†* 

                 Cash
      Advance APR: 21.75% variable (as of 07/01/2008).†* 

                 Penalty
      Rate APR: up to 29.99% variable (as of 07/01/2008) (see explanation
      below).†* 

              
	
                 Variable
      Rate Information 

              	
                 The
      APR for Purchases and Balance Transfers may vary and will be the greater
      of 13.99% or the Index plus a Margin of 5.74%,* or the greater of 15.99%
      or the Index plus a Margin of 7.74%, * or the greater of 17.99% or the
      Index plus a Margin of 9.74% depending on how you meet our credit
      criteria.* The APR for Cash Advances may vary and will be the greater of
      19.99% or the Index plus a Margin of 15.75%.* The APR for Penalty Rates
      may vary and will be the Index plus a Margin of up to
      23.99%.* 

              	
                 The
      APR for Purchases and Balance Transfers may vary and will be the greater
      of 9.99% or the Index plus a Margin of 1.74%.* The APR for Cash Advances
      may vary and will be the greater of 19.99% or the Index plus a Margin of
      15.75%.* The APR for Penalty Rates may vary and will be the Index plus a
      Margin of up to 23.99%.* 

              
	
                 Grace
      Period for Repayment of Balance for Purchases 

              	
                 Not
      less than 20 days from the closing date of the billing cycle (provided you
      have paid your previous New Balance in full by the due
      date). 

              	
                 Not
      less than 20 days from the closing date of the billing cycle (provided you
      have paid your previous New Balance in full by the due
      date). 

              
	
                 Method
      of Computing the Balance for Purchases 

              	
                 Average
      daily balance (including new purchases). 

              	
                 Average
      daily balance (including new purchases). 

              
	
                 Annual
      Fee 

              	
                 None. 

              	
                 None. 

              
	
                 Minimum
      Finance Charge 

              	
                 $1.75
      (any billing cycle a finance charge is imposed). 

              	
                 $1.75
      (any billing cycle a finance charge is imposed). 

              
	
                 Foreign
      Currency Transaction Fee for Transactions made in Non-U.S.
      Currency 

              	
                 3%
      of the amount of the transaction (after conversion to U.S.
      Dollars). 

              	
                 3%
      of the amount of the transaction (after conversion to U.S.
      Dollars). 

              
	
                 Transaction
      Fee for Cash Advances 

              	
                 The
      greater of $15 or 3% of the transaction (the greater of $15 or 5% of the
      transaction for certain "Cash Equivalent
    Transactions"). 

              	
                 The
      greater of $15 or 3% of the transaction (the greater of $15 or 5% of the
      transaction for certain “Cash Equivalent
    Transactions”). 

              
	
                 Transaction
      Fee for Balance Transfers 

              	
                 The
      greater of $10 or 3% of the transaction. 

              	
                 The
      greater of $10 or 3% of the transaction. 

              
	
                 Over
      Limit Fee 

              	
                 $39. 

              	
                 None. 

              
	
                 Late
      Payment Fee 

              	
                 $35
      if your New Balance is less than $500; or $39 if your New Balance is equal
      to or greater than $500. 

              	
                 $35
      if your New Balance is less than $500; or $39 if your New Balance is equal
      to or greater than $500. 

              


      

       

    

     

    
      	  
      	
               Maximum
      RewardsSM
      Platinum Edition® 

            	
               Visa
      Signature®
      with Maximum Rewards® 

            
	
               Annual
      Percentage Rate (APR) for Purchases 

            	
               0.00%
      APR fixed for the first 6 billing cycles after your account is
      opened.† 

               After
      that, 13.99% APR variable, 15.99% APR variable, or 17.99% APR variable (as
      of 07/01/2008) depending on how you meet our credit criteria.†* 

            	
               0.00%
      APR fixed for the first 6 billing cycles after your account is
      opened.† 

               After
      that, 9.99% APR variable (as of 07/01/2008).†* 

            
	
               Other
      APRs 

            	
               Balance
      Transfer APR: 0.00% fixed for the first 6 billing cycles after your
      account is opened.†
      After that, 13.99% APR variable, 15.99% APR variable, or 17.99% APR
      variable (as of 07/01/2008) depending on how you meet our credit
      criteria.†* 

               Cash
      Advance APR: 21.75% variable (as of 07/01/2008).†* 

               Penalty
      Rate APR: up to 29.99% variable (as of 07/01/2008) (see explanation
      below).†* 

            	
               Balance
      Transfer APR: 0.00% fixed on Balance Transfers made in the first 6 billing
      cycles after your account is opened.†
      After that, 9.99% APR variable (as of 07/01/2008).†* 

               Cash
      Advance APR: 21.75% variable (as of 07/01/2008).†* 

               Penalty
      Rate APR: up to 29.99% variable (as of 07/01/2008) (see explanation
      below).†* 

            
	
               Variable
      Rate Information 

            	
               The
      APR for Purchases and Balance Transfers may vary and will be the greater
      of 13.99% or the Index plus a Margin of 5.74%,* or the greater of 15.99%
      or the Index plus a Margin of 7.74%, * or the greater of 17.99% or the
      Index plus a Margin of 9.74% depending on how you meet our credit
      criteria.* The APR for Cash Advances may vary and will be the greater of
      19.99% or the Index plus a Margin of 15.75%.* The APR for Penalty Rates
      may vary and will be the Index plus a Margin of up to
      23.99%.* 

            	
               The
      APR for Purchases and Balance Transfers may vary and will be the greater
      of 9.99% or the Index plus a Margin of 1.74%.* The APR for Cash Advances
      may vary and will be the greater of 19.99% or the Index plus a Margin of
      15.75%.* The APR for Penalty Rates may vary and will be the Index plus a
      Margin of up to 23.99%.* 

            
	
               Grace
      Period for Repayment of Balance for Purchases 

            	
               Not
      less than 20 days from the closing date of the billing cycle (provided you
      have paid your previous New Balance in full by the due
      date). 

            	
               Not
      less than 20 days from the closing date of the billing cycle (provided you
      have paid your previous New Balance in full by the due
      date). 

            
	
               Method
      of Computing the Balance for Purchases 

            	
               Average
      daily balance (including new purchases). 

            	
               Average
      daily balance (including new purchases). 

            
	
               Annual
      Fee 

            	
               None. 

            	
               None. 

            
	
               Minimum
      Finance Charge 

            	
               $1.75
      (any billing cycle a finance charge is imposed). 

            	
               $1.75
      (any billing cycle a finance charge is imposed). 

            
	
               Foreign
      Currency Transaction Fee for Transactions made in Non-U.S.
      Currency 

            	
               3%
      of the amount of the transaction (after conversion to U.S.
      Dollars). 

            	
               3%
      of the amount of the transaction (after conversion to U.S.
      Dollars). 

            
	
               Transaction
      Fee for Cash Advances 

            	
               The
      greater of $15 or 3% of the transaction (the greater of $15 or 5% of the
      transaction for certain "Cash Equivalent
    Transactions"). 

            	
               The
      greater of $15 or 3% of the transaction (the greater of $15 or 5% of the
      transaction for certain “Cash Equivalent
    Transactions”). 

            
	
               Transaction
      Fee for Balance Transfers 

            	
               The
      greater of $10 or 3% of the transaction. 

            	
               The
      greater of $10 or 3% of the transaction. 

            
	
               Over
      Limit Fee 

            	
               $39. 

            	
               None. 

            
	
               Late
      Payment Fee 

            	
               $35
      if your New Balance is less than $500; or $39 if your New Balance is equal
      to or greater than $500. 

            	
               $35
      if your New Balance is less than $500; or $39 if your New Balance is equal
      to or greater than
$500. 

            


    
  
 
 

     † Your Annual Percentage Rates (including Introductory Rates,
Preferred Rates or Special Offer Rates) may terminate and increase to a Penalty
Rate or a Preferred Rate if you: (1) fail to make a minimum payment to us when
due; (2) exceed your credit limit with us (this clause (2) does not apply to the
Signature Card); or (3) make a payment to us that is dishonored for any reason.
Factors considered in determining the higher rate may include how you have
handled your account with us and current and historical information regarding
your credit in general. 
  


     *The
Index is the highest U.S. Prime Rate as published in the "Money Rates" section
of The Wall Street
Journal during the 90 days immediately preceding the last day of each
calendar month. 
  


     Please
Note: Your account generally will have monthly billing cycles, except that your
first billing cycle may be more or less than one month. All credit terms,
including minimum finance charges, will apply in each billing cycle including
the first billing cycle. 

     

     You
understand that the terms of your account, including APRs, are subject to
change. APRs are not guaranteed and they may change to higher APRs. Fixed APRs
may change to variable APRs and vice versa. IMPORTANT NOTICE REGARDING CHANGES IN
TERMS. We reserve the
right to unilaterally change the rates, fees, costs, and other terms at any time
for any reason in addition to APR increases that may occur for failure to comply
with the terms of your Account. 

     

     You
agree that payments on your Account may be applied in the order we select. We
may allocate payments to balances starting with the lowest Annual Percentage
Rate. 
  


     NO PRESET SPENDING LIMIT: The
Visa Signature Card has no pre-set spending limit. No pre-set spending limit
does not mean unlimited spending. Your account will be assigned a revolving
credit limit for purchases and cash advances. For cash advances, you may only
spend up to your assigned cash revolving credit limit. For purchases, you may be
authorized to exceed your assigned revolving credit limit. Each transaction you
make is authorized based on factors such as your account history, credit record,
absence or presence of suspected fraud, and performance and delinquency
patterns. If you attempt to make a transaction that exceeds your assigned
revolving credit limit for purchases, your account will be evaluated based upon
the length of time your account has been open and account usage, performance and
delinquency patterns with us, current and historical information regarding your
credit in general, and your ability to repay. In certain circumstances, we may
ask for additional financial records to authorize a transaction. If you are
authorized to exceed your revolving credit limit, you will be required to pay,
as part of your minimum monthly payment, the amount by which your New Balance
exceeds your revolving credit limit. We encourage you to provide us with notice
of forthcoming unusual activity, such as high transaction amounts, high
velocity, or changes in geographic patterns. 
  


     BALANCE TRANSFERS: You
authorize us to make one or more of the balance transfers that you have
requested. All balance transfer requests are subject to our approval; we are not
liable if we do not make a requested balance transfer. 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 request an amount that we do not approve, we may process a
partial transfer for less than you requested or we may decline the entire
request. In addition, transfer requests that are incomplete, illegible or
requested to cash, to yourself or to another account with us or one of our
affiliates need not be processed. You should not transfer any amount that is in
dispute in order to preserve your dispute rights. You should continue to monitor
the other accounts that you request to transfer balances from and you should
continue to pay the minimum payments due on those accounts until you receive
statements from those creditors showing that the balances due them have been
paid in full. This may not happen until after the balance transfer appears on
your billing statement from us. You are liable for any late payments, finance
charges or disputed amounts on your other accounts. If you want your other
accounts closed following a balance transfer, you are responsible for doing so.
Balance Transfers are subject to applicable fees and finance charges and do not
have the benefit of a grace period. 
  


     CREDIT REPORTS: By applying
for this account you agree that First Bankcard (a division of First National
Bank of Omaha) 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 First Bankcard (a division of First National Bank of
Omaha) 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
reflected in your credit report. 
  


     MINIMUM PAYMENT: You may pay
all or a part of the balance on your account at any time. However, you must pay
at least the minimum payment by the due date shown on your billing statement.
The minimum payment will be indicated on your billing statement and shall be the
largest of (1), (2), or (3) listed below, plus any amount that is past due on
your account: (1) Your total New Balance if it is less than $10; (2) The greater
of 2% of the entire New Balance, or $10; OR (3) The sum of your current cycle
fees and finance charges, plus 1% of the entire New Balance (to calculate this
1%, we will not count amounts in dispute or current cycle fees and finance
charges as part of the New Balance). If your account is overlimit, we will add
to the minimum payment the amount necessary to reduce your balance to your
approved credit limit. 
  


     IMPORTANT INFORMATION ABOUT
PROCEDURES FOR OPENING A NEW ACCOUNT: To help the government fight the
funding of terrorism and money laundering activities, the USA Patriot Act
requires all financial institutions to obtain, verify, and record information
that identifies each person (including business entities) who opens an
account. 

     

     What
this means for you: When you open an account, we will ask for your name,
physical address, date of birth, and other information that will allow us to
identify you. We may also ask for other identifying documents. We will let you
know if additional information is required. 
  


     INFORMATION SHARING WITH VISA (For
Signature Card Only): We may share non public personal information with
Visa U.S.A., its Members, or their respective contractors for the purpose of
providing Emergency Card Replacement and Emergency Cash Disbursement. By signing
the application and making purchases you consent to the release of this
information to VISA U.S.A., its Members, or their respective contractors for the
purpose of providing Emergency Card Replacement and Emergency Cash
Disbursement. 
  


     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 First
Bankcard (a division of First National Bank of Omaha) at P.O. Box 3696, Omaha,
NE 68172-9936. 

     

     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 Banking Department to obtain a comparative listing of credit
card rates, fees and grace periods. New York State Banking Department:
1-877-226-5697. 
  


     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. You may request arbitration rules
and forms through either or both of the following arbitration administrators:
American Arbitration Association, 1-800-778-7879; and National Arbitration
Forum, 1-800-474-2371. Please review the Cardmember Agreement and its
arbitration provision carefully before you use or allow someone else to use an
account. 
  


     Cards
are issued by First Bankcard (a division of First National Bank of Omaha).
   
  


    
      	
               MAXIMUM
      REWARDS®
      TERMS AND CONDITIONS SUMMARY 

               

               Please
      read these terms and conditions for important information about the
      Maximum Rewards®
      Program ("Program").   First Bankcard (a division of First National
      Bank of Omaha) is referred to below as "we", "us" and
      "our". 

               

               1. Program
      members will earn 1 point for each $1.00 in Qualifying Credit Card
      Transactions charged on his/her credit card account. "Qualifying Credit
      Card Transactions" means authorized new purchases posted to your account,
      net of refunds, credits (for returned merchandise or otherwise) and
      disputed billing items (alternatively, points may be deducted for awards
      based on purchases that are subsequently subject to a refund, credit or
      dispute). "Qualifying Credit Card Transactions" do not include: (a) annual
      fees, finance charges and other fees or charges posted to your account,
      (b) cash advances or special check transactions, (c) balance transfers,
      (d) charges for other products, services or benefits that we provide (such
      as credit insurance premiums), or (e) other transactions that we determine
      in our sole discretion not to be eligible for Qualifying Credit Card
      Transactions treatment. 

               

               

               2. In
      addition to the points described in 1, earn 1,000 bonus points when the
      first purchase, balance transfer or cash advance is posted to your account
      within the first 3 billing cycles after your account is opened. Please
      allow 6-8 weeks after you qualify for these bonus points to be added to
      your point balance. We may also award you one or more additional bonus
      points, at our sole discretion, in connection with certain transactions
      and/or promotions. Points are redeemed and expire on a
      “first-in/first-out” basis. Points will expire on or after the fifth
      anniversary of when they were awarded. There is no limit to the number of
      points that you can earn; provided, however, there may be a limit to the
      number of bonus points that you can earn in connection with certain
      transactions and/or promotions. We reserve the right, in our sole
      discretion, to determine which Qualifying Credit Card Transactions are
      eligible for bonus point treatment. 

               

               

               3. Program
      membership will be automatically renewed each year at the terms and fees
      then in effect, unless the cardmember notifies us of
      cancellation. 

               

               

               4. Eligibility
      is restricted to Program members whose accounts are in good standing.
      Examples of an account not in good standing include, but are not limited
      to, an overlimit account, a delinquent account or an account otherwise in
      violation of your cardmember agreement. If your account is open and in
      good standing you may earn and redeem accumulated points. 

               

               

               5. The
      Program is void where prohibited by law. 

               

               

               6. The
      Program is offered at our sole discretion. We may, from time to time and
      in our sole discretion, change or limit any aspect of the Program and its
      rules, restrictions, benefits or features, in whole or in part, including,
      but not limited to, suspending or terminating all or part of the Program,
      with or without prior notice to you. We also reserve the right to add any
      Program membership or other fees or increase such fees, if
      any. 

               

               

               7. We
      reserve the right to terminate the Program at any time. Our decisions
      regarding the Program are final. If the Program is terminated through no
      fault of your own, you will be notified of the date by which you must
      redeem all your accumulated points. 

               

               

               8. Any
      liability for federal, state, or local income taxes regarding the earning
      or redemption of points is the sole responsibility of the participant and
      not the responsibility of us or SHC Direct, LLC. 

               

               

               9. There
      is no redemption fee for redeemed merchandise and gift card/certificate
      rewards. A $37.95 redemption fee is applicable for travel within the U.S.,
      Canada, Mexico, and the Caribbean, and $47.95 for international travel
      redemptions. Points may be redeemed for a cash rebate option in the form
      of an account credit only. 

               

               

               10. Every
      effort has been made to ensure that all information in all Program
      materials is accurate. We are not responsible for printing errors or
      omissions. 

               

               

               Additional
      Program Terms and Conditions apply and will be provided to you when you
      become an approved cardmember. 

            


    

    


     

    
      	
               SECURECREDIT®
      DEBT CANCELLATION PROGRAM 

               

               

               Protect
      your credit card account today by enrolling in SecureCredit®
      Debt Cancellation program. This protection credits a monthly payment1 to
      your credit card account balance if you incur any of these covered
      losses: 

               

               ·  Involuntary
      Unemployment - up to 24 months 

               ·  Family
      Leave of Absence - up to 9 months2 

               ·  Disability
      - up to 24 months 

               ·  3
      months if you live in a Federally Declared Natural Disaster
      Area 

               ·  Hospitalization
      - up to 24 months 

               ·  3
      months for Marriage or Divorce 

               ·  Skilled
      Nursing Care - up to 24 months 

               ·  Plus,
      your credit card account balance will be credited up to $10,000 in case of
      the accidental death of either the primary or secondary
      cardmember.2 

               

               Program Fee The monthly
      fee for this protection is only 89¢ per $100 of your total monthly
      outstanding new balance (fees will be prorated for total monthly
      outstanding new balances that are not in equal $100 increments). Fees will
      automatically appear on your credit card statement. No fees are charged
      for this protection if your total monthly outstanding new balance is zero
      ($0). Additionally, you have 30 days, from the date of enrollment, to
      cancel with NO cost to you. This protection allows benefit activation
      after you have been enrolled for 90 days. 

               

               Program Termination
      First Bankcard (a division of First National Bank of Omaha), reserves the
      right to cancel SecureCredit®
      Debt Cancellation at any time. This protection automatically terminates if
      your credit card account is charged off or permanently closed for any
      reason or if the Program Administrator determined that your credit card
      account was not in good standing as of the Enrollment Date, or if the
      mailing address for your credit card account changes to a location outside
      the United States or District of Columbia. You have the right to cancel
      SecureCredit®
      Debt Cancellation at any time. 

               

               Important Information 

               

               This product is optional
      Your purchase of the SecureCredit®
      Debt Cancellation product is optional. Whether or not you purchase this
      product will not affect your credit or the terms of any existing credit
      agreement you have with the bank. 

               

               Additional Disclosure
      We will give you additional information before you are required to pay for
      SecureCredit®
      Debt Cancellation. This information will include a copy of the contract
      containing the terms for this product. 

               

               Eligibility Requirements,
      Conditions and Exclusions There are eligibility requirements,
      conditions and exclusions that could prevent you from receiving benefits
      under SecureCredit®
      Debt Cancellation. You should carefully read the contract for a full
      explanation of the terms of SecureCredit®
      Debt Cancellation. 

               

               You are not prohibited from
      obtaining this protection from an unaffiliated entity. If you have any
      questions about the protection you may contact the Program Administrator
      toll-free at 1-800-554-0091. 

               

               1
      The "monthly payment" you will receive is defined in the SecureCredit®
      Debt Cancellation Agreement as the "Monthly Benefit Amount." This is
      calculated by multiplying your credit card account balance on the date of
      a loss occurrence, up to $10,000, by the minimum monthly payment
      percentage of the total outstanding balance on the credit card account
      that we require you to pay each month. The Monthly Benefit Amount may not
      be sufficient enough to cover the entire minimum monthly payment due each
      month if additional purchases, finance charges, or other fees are applied
      to your credit card account after your date of loss. You and the secondary
      cardmember are responsible for any portion of the minimum monthly payment
      due each month that is not covered by the Monthly Benefit
      Amount. 

               

               2
      Secondary cardmember may also be eligible for
  benefits. 

            


    

    


     

    
      	
               Consent
      to Receive Disclosures Electronically 

               By
      submitting this application, you have demonstrated your ability to access
      the information on these web pages and have consented to receiving
      consumer credit disclosures related to this application electronically.
      Your consent applies only to the related disclosures and does not apply to
      subsequent disclosures, such as changes in terms or periodic statements.
      You understand that you have the right, at no additional charge, to
      withdraw your consent, and/or request a paper copy of the consumer credit
      disclosures, within thirty days of submitting your application by writing
      to First Bankcard (a division of First National Bank of Omaha), P.O. Box
      3696, Omaha, NE 68172-9936. If you applied, please include a description
      of the product applied for. If you have already opened your account,
      please include your account number. Your application will be processed
      based on your initial consent, and the withdrawal of your consent will not
      affect the processing of your application. 

               

               Hardware/Software
      Requirements 

               A
      computer capable of accessing Internet web pages and a printer or other
      device capable of printing and/or retaining Internet-based data. It is
      recommended that you retain a copy of the consumer credit disclosure for
      your records. The minimum browser requirements include: Internet Explorer
      4.0 or higher or Netscape Navigator 3.0 or higher. The recommended screen
      resolution is 800x600. It is recommended that you use a browser that is
      capable of 128-bit encryption and SSL
3.0.