Cardmember Agreement, Disclosure Statement and Security 
Agreement 
Please keep this booklet for future reference 
It contains important cardmember information 

Valued Cardmember, 

This booklet describes important terms and conditions that apply to your credit card account. We want to be clear in 
how we share this information with you, to help you stay in control and make well-informed decisions about your 
account. 

Contents of this Cardmember Agreement, Disclosure Statement 
and Security Agreement 

1. Defining some common terms used in this document
2. How you may use the account and security interest
3. How we determine and apply account payments
4. How certain rates are calculated
5. How we calculate interest charges and the balances subject to interest
6. How we determine certain account fees and additional information on certain transactions
7. When we may close or require immediate payment of your account
8. How account terms may change and certain rights
9. How to use your account without using your credit card
10. How cardmember benefits and reward programs work
11. How we communicate with you and share information with credit bureaus
12. Transferring your account and laws that govern your account with us
13. Scope of our agreement with you
14. Claims and Arbitration of disputes
15. Your billing rights as a cardmember

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1. Defining some common terms used in this document 
This section explains what this document means when it uses common terms like “us,” “you” or “agreement.” These 
detailed definitions help us avoid repeating long terms over and over again—which helps make the document easier to 
read. 

This Cardmember Agreement, Disclosure Statement and Security Agreement together with the accompanying Rates 
and Terms Schedule (“Schedule”) govern your account with First Bankcard (a division of First National Bank of 
Omaha) and are collectively referred to below as the “Agreement”. The Schedule provides important information about 
annual percentage rates, specific types and amounts of finance charges and fees that may be charged to your account 
under certain circumstances and other important information about your account. Please read this Cardmember 
Agreement, Disclosure Statement and Security Agreement and the Schedule carefully and retain both for future 
reference. 

As used in this Agreement, the words “you” and “your” mean each person named on the application for the account 
and anyone else who uses the account in any way. The terms “we”, “us” and “our” mean First Bankcard (a division of 
First National Bank of Omaha). Using or allowing someone else to use your account means you accept the terms of the 
Agreement. This Agreement contains our most current terms and supersedes earlier materials you may have received.  
(Please note: although your account will generally have monthly billing cycles, 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.) 

BALANCE CATEGORIES: We will keep track of the activity on your account in different “Balance Categories”. 
Unless we tell you otherwise, these are the Balance Categories we will use: 

“Purchases” which will result from use of your card or your account number to purchase goods and services but 
excluding any purchase under the Eligible Purchase Balance Category; 

“Cash Advances” which will result from cash advances you request, use of checks or similar instruments 
(including electronic form or otherwise) that we provide (unless we tell you they will be treated differently), and 
Cash Equivalent Transactions (as defined later in this Agreement); 

“Balance Transfers” which will result from balance transfers that you request by any means, including balance 
transfer checks or similar instruments (including electronic form or otherwise);  

“Special Offers” which will result from use of your card or your account number to take advantage of special, 
introductory or promotional offers that we identify to you from time to time (each Special Offer may be 
considered a separate Balance Category); and 

“Eligible Purchases” which will result from use of your card or account number to make purchases of goods and 
services (a) at certain merchants or of specified types indicated on your Schedule; and (b) in which a single or 
multiple items are purchased in the same transaction totaling certain amounts indicated on your Schedule.  Each 
Eligible Purchase may be considered a separate Balance Category. Eligible Purchase(s) and may also be 
referenced and abbreviated as “Elig Purch” in some locations on your Schedule. 

2. How you may use the account and security interest 
This section explains a few basic rules about how you and others may use your account, your responsibility for the 
account, and how we may limit your use of the account. It also details the terms associated with the security interest 
and collateral. 

ACCOUNT USE: You may use your card, your account number or checks or similar instruments (including electronic 
form or otherwise) that we send to you to make purchases and balance transfers and to obtain cash advances. Each time 
you use your account, you are representing that you intend, and have the ability, to repay all amounts due on your 
account. You are responsible for all charges made by anyone you allow to use your account, even if they charge more 

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than you intended. If you ask us to issue a card to someone, you are responsible for their charges until you return their 
card to us or until you notify us that use of their card is no longer authorized, whichever occurs first. We may consider 
charges made by your immediate family as authorized by you and your responsibility. If unauthorized use of your 
account occurs, you agree to cooperate with us and law enforcement authorities in identifying the unauthorized user. 
You are each jointly and severally liable for all amounts due on this account regardless of which of you uses it or 
benefits from that use. 

OUR SECURITY INTEREST: You have provided us with funds that will serve as collateral for your credit card 
obligations to us. You have: (i) relinquished all possession and control over the funds you have provided; and (ii) 
pledged, assigned and granted to us a security interest in those funds, the corresponding deposit, including subsequent 
add-on deposits, if any, and any instrument that we may issue evidencing that deposit (collectively, the “Collateral”). If 
you fail to pay or otherwise default on your credit card obligations to us, we may:  (1) without advance notice, take any 
or all of that Collateral and apply as payment towards your credit card obligations; and (2) pursue other legal remedies.  
We may, at our discretion and subject to credit approval, unsecure your account by returning the Collateral to you.  If 
we unsecure your account by returning the Collateral to you, this section, and all other references to the Collateral and 
our Security Interest in the Collateral in this Agreement, will no longer be applicable to your account.   

CREDIT LIMIT/AUTHORIZATIONS: You agree (1) not to exceed the credit limit we establish for you and (2) to 
immediately pay any amount in excess of your credit limit. If your account is a joint account, each of you may request 
credit limit increases (unless you are less than twenty-one years of age and were required by law to have a joint 
account, in which case, all joint account owners must approve and assume joint liability for any request for increase). 
We may raise or lower your credit limit at our discretion and may restrict the amount of the credit limit available for 
cash advances and balance transfers. We will consider additional deposits to your Certificate Savings Deposit to be 
requests to increase your credit limit by the amount of the deposit, rounded down to the nearest $100. We are not, 
however, obligated to honor such requests. You may not use your account for (and we may decline authorization for) 
any illegal transaction. We may decline authorization for any Internet gambling transaction. We may, in our discretion 
and to the extent permitted by law, restrict or delay the availability of credit to you for our risk management purposes 
and to protect you and us against actual or potential fraud, unauthorized transactions, or claims. We are not liable for 
declining authorization for any particular transaction, regardless of our reason. 

3. How we determine and apply account payments  
This section explains your responsibility for making account payments, how we determine the amounts you must pay 
and how we apply payments to your account.  

PAYMENTS:  

(A)  Promise to Pay: You promise to pay all amounts due on your account. You agree to review your billing 
statements and to notify us promptly of any errors (see “Your Billing Rights” below). If you do not promptly notify 
us of a billing error, you agree that your billing statement will be considered proof of the amount you are obligated 
to pay. 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 shown on your billing statement by the due date. You agree to follow the requirements for 
payments that we set forth on your billing statement from time to time, including requirements that payments be 
made in United States Dollars and that checks be drawn on a United States bank.  If we choose to accept a payment 
that is not in United States Dollars or not drawn on a United States bank, you agree to pay any collection or 
conversion fees assessed to us by third parties. We may accept payments which are marked “payment in full” or 
with similar markings without losing our right to receive payment in full. Partial payments offered in full 
satisfaction of a disputed amount must be sent to the address for notice of billing errors shown on your billing 
statement. We reserve our rights as to all such payments. 

(B)  Minimum Payment Calculation: The amount of your minimum payment will be indicated on your billing 
statement and calculated as shown on the Schedule. 

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(C)  Application of Payments: We may apply your payments in the order we choose from time to time.  We must, 
however, comply with applicable law governing application of your payments.  Currently, this means that if you 
make a payment in excess of the required minimum payment, we must apply the excess amount first to your 
Balance Category with the highest Annual Percentage Rate.  Any remaining portion of that excess amount must be 
applied to your other Balance Categories in descending order based on their applicable Annual Percentage Rates. 
Until we determine a payment is unlikely to be returned for insufficient funds or for some other reason, your 
available credit may not reflect the payment. 

(D)  Application of Credits: We will apply credits to your account as promptly as required by law. Credits may be 
applied to the Balance Categories that we choose, even if those Balance Categories are different than the Balance 
Categories of the transactions giving rise to the credits. A credit may be applied on the date of the credit transaction. 
In some cases, however, credits may not be posted to your account until a billing cycle occurring after the date of 
the credit transaction. 

4. How certain rates are calculated 
This section provides basic information about how we calculate certain interest rates that may apply to your account. 

VARIABLE RATE INFORMATION: If any Annual Percentage Rate is variable, your rate is determined by adding 
the applicable Margin to the applicable Index (in some cases, the applicable Margin may be subtracted from the 
applicable Index). The daily periodic rate is 1/365th (1/366th during leap years) of the Annual Percentage Rate. The 
Schedule will show if you have a variable rate and will describe your Index and Margin. An increase in the Index will 
increase the applicable Annual Percentage Rate and daily periodic rate, which may increase the minimum payment due 
on your account. 

PENALTY RATES:  Penalty Rates (or “Penalty APRs”) are not applicable on your account. 

5. How we calculate interest charges and the balances subject to interest 
This section helps explains how we determine the amount of your periodic rate finance charges (interest charges) for 
different account transactions. It also explains how you can avoid or reduce these interest charges. This section also 
explains how we determine the balances of your account that will be subject to interest charges at the end of each 
billing cycle.  

ACCRUAL OF FINANCE CHARGES: Except as provided in “Grace Period” below, we will accrue periodic rate 
finance charges on each of the Balance Categories from the date of each transaction or the first day of the billing cycle 
in which the transaction is added to your account, whichever is more recent.  

GRACE PERIOD: Except as provided below, if (1) you pay your New Balance in full, as shown on your current 
billing statement, on or before the due date (which will be at least twenty-one (21) days from the closing date of the 
billing cycle) and (2) we received payment in full of your New Balance indicated on your previous billing statement by 
its due date or that New Balance was zero or a credit, periodic rate finance charges will not be assessed on Purchases 
and Eligible Purchases shown on your next billing statement. Payment in full is generally required to obtain the benefit 
of the grace period.  We will, however, give you the benefit of the grace period for (A) partial payments to the extent 
required by law (please be aware, however, that this requirement only exists in limited circumstances); and (B) 
Purchases in your current billing cycle if all Purchase balances indicated on your previous statement are paid in full by 
the payment due date and only if you have an outstanding Eligible Purchase balance at its introductory or lower 
promotional annual percentage rate at the end of your current billing statement.  The grace period applies only to 
Purchases, Eligible Purchases, and if notified, Special Offers.  It does not apply to Balance Transfers or Cash 
Advances. 

PERIODIC RATE FINANCE CHARGES: Periodic rate finance charges will be calculated using daily periodic rates 
which correspond to certain Annual Percentage Rates. These rates may be different for Purchases, Balance Transfers, 
Cash Advances, Eligible Purchases and Special Offers. 

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(A) If your account was opened with an Introductory Rate(s), the rate(s) for your account will be at the Introductory 
Rate(s) shown on the Schedule. The Introductory Rate(s) will continue in effect as shown on the Schedule. 

(B) After the Introductory Rate(s) expire (or if your account does not have an Introductory Rate), the Preferred 
Rate(s) for your account will be the rate(s) shown on the Schedule. Those Preferred Rates may be variable. 

FINANCE CHARGES AND BALANCE CALCULATIONS: We use the Average Daily Balance (including new 
purchases) method to compute a portion of the Finance Charges on your account. We calculate periodic rate finance 
charges separately for each Balance Category.  

(A) 

To compute Billed Periodic Rate Finance Charges: 

(1)  For each Balance Category, we multiply your Daily Balance (see below) by the applicable daily periodic 

rate for each day of the billing cycle; then  

(2)  We add together all of the products calculated in (1) above. 

(B) 

To compute the Daily Balance for each Balance Category: 

(1)  We take the Beginning Balance of each day; 

(2)  Add any new transactions (such as purchases, balance transfers, cash advances and debit adjustments, as 
applicable) and any new fees; 

(3)  Subtract any applicable payments, credits, or credit adjustments; and 

(4)  We treat a credit balance as a balance of zero. 

For purposes of these computations, we may delay adding some fees to your Daily Balance (for example, 
some fees may not be added to your Daily Balance until the billing cycle after they are imposed).  We may 
also subtract some payments or portions of some payments from your Daily Balance earlier than when they 
were actually received (for example, for grace period purposes, portions of some payments received in one 
billing cycle may be considered applied to your Purchase Balance Category, Eligible Purchase Balance 
Category, or Special Offer Balance Category, as applicable, at the end of the prior billing cycle). 

We add the amount calculated in accordance with (A) (1) above to the Daily Balance and this amount becomes the 
Beginning Balance for the next day.  

On your billing statement, we will calculate an Average Daily Balance for each Balance Category by adding all your 
Daily Balances for that Balance Category and dividing that amount by the number of days in the billing cycle. If you 
multiply the Average Daily Balance for a Balance Category by its daily periodic rate and multiply the result by the 
number of days in the billing cycle, the total will equal the Billed Periodic Rate Finance Charges for that Balance 
Category, except for minor variations due to rounding.  

Billed Periodic Rate Finance Charges shall also be referred to and appear on your statement labeled as “Interest 
Charge” for each Balance Category. The Interest Charges for each Balance Category shall be totaled on your statement 
and listed as the “Total Interest”.  Cash advance, balance transfer, and foreign transaction fee Finance Charges, if any, 
will be listed under the “Fees” heading on your billing statement and all fees will be totaled to determine “Total Fees”.  
This Agreement provides for daily compounding of finance charges and fees. 

MINIMUM FINANCE CHARGE: If periodic rate Finance Charges are billed in any billing cycle, the minimum 
Billed Periodic Rate Finance Charge will be as shown on the Schedule. We may allocate your minimum Billed 

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Periodic Rate Finance Charge among your various Balance Categories in the manner that we select from time to time.  
The “minimum Billed Periodic Rate Finance Charge” will appear on your statement as the “Minimum Interest 
Charge” under the Fees heading. 

6. How we determine certain account fees and additional information on certain transactions 
This section describes the account maintenance fees, transaction fees and other fees that may apply to your account as 
well as additional information on various types of transactions. 

ANNUAL FEE: If your account has an annual membership fee, it is shown on the accompanying Schedule and will be 
charged to your account as a Purchase. If no annual fee is shown, then your account has no annual fee.  

MONTHLY MAINTENANCE FEE:  If your account has a monthly maintenance fee, it is shown on the 
accompanying Schedule and will be charged to your account as a Purchase.  If no monthly maintenance fee is shown, 
then your account has no monthly maintenance fee.   

OTHER FEES (such as late payment and service fees): We may charge additional fees as in effect from time to time 
as referenced below.  The amount charged for these fees is shown in the Schedule unless otherwise indicated.  Each of 
the below fees will be added to the Balance Category that we select. 

Late Fee.  For each minimum payment which is not received by the payment due date or is dishonored for any 

reason, we may charge you a late fee as disclosed on the accompanying Schedule according to the amount of your New 
Balance.   

Payment Dishonored Fee.  A payment dishonored fee may be assessed as indicated on the Schedule for: (i) any 

payment on your account which is dishonored or returned unpaid for any reason (including any payment returned 
because it is not signed, authorized or cannot be processed for any reason); and (ii) any Balance Transfer, Cash 
Advance, Special Offer check or similar instrument (including electronic form or otherwise) that is dishonored for any 
reason or for which we refuse to pay.   

Stop Payment Fee.  A stop payment fee may be assessed as indicated on the Schedule for any stop payment 

order you request us to make.  

Copy Fees.  We may charge you a fee for (i) each sales draft copy you request (unless the request is related to 

an actual billing error); and (ii) each copy of a billing statement that you request.  

Customized Card Design Fee.  We may charge you a fee for having us complete a customized card design that 
you request.  This fee is not listed on the Schedule but will be disclosed to you upon your request of such customized 
card design. 

Expedited Card Fees.  We may charge you a fee for an expedited delivery of additional or replacement cards.  

This fee is not listed on the Schedule but will be disclosed to you upon your request of such expedited delivery.  

Expedited Payment Fee.  Subject to applicable law, we may charge you a fee for making an expedited payment 
to us which requires assistance from one of our customer service representatives.  This fee is not listed on the Schedule 
but will be disclosed to you upon your request of such expedited payment assistance. 

ATM Surcharge.  For all ATM transactions, a surcharge may be imposed by the ATM operator.  This surcharge 

is imposed by third parties and will be charged to your account. 

BALANCE TRANSFERS: We may permit you to transfer balances from other credit card companies or financial 
institutions to your account up to the amount of your credit limit we make available for balance transfers.  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.  You may not transfer any balance you owe from any other First National Bank of Omaha 
account or any of your accounts with any of our related companies. We will charge you a balance transfer fee Finance 
Charge for any balance transfer as shown on the accompanying Schedule. No grace period will apply when calculating 
finance charges for a balance transfer.  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. 

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CASH ADVANCE FEE FINANCE CHARGES: A cash advance fee Finance Charge will be imposed on cash 
advance transactions as shown on the Schedule. Cash advance fee finance charges will be added to your Cash 
Advances Balance Category. 

CASH EQUIVALENT TRANSACTIONS: Cash advance fee Finance Charges for Cash Equivalent Transactions will 
be charged as indicated on the Schedule. Cash Equivalent Transactions are those transactions performed using a 
merchant or service provider that VISA® or MasterCard® identifies as a seller of travelers checks, foreign currency, 
money orders, wire transfers, lottery tickets, funds used for wagers or gambling, or similar products or services. These 
transactions are also treated as cash advances for all other purposes on your account. Cash advance fee finance charges 
for Cash Equivalent Transactions will be added to your Cash Advances Balance Category. 

FOREIGN TRANSACTION FEE FINANCE CHARGE: A foreign transaction fee Finance Charge may be assessed 
on all transactions made (i) in currencies other than United States Dollars; (ii) with a foreign merchant (whether in 
foreign currency or in United States Dollars); or (iii) outside the United States. The foreign transaction fee Finance 
Charge will be equal to a certain percentage of the amount of each foreign transaction (after conversion to United 
States Dollars) as shown on the Schedule. These fees will be added to the Balance Category that we select (for 
example, the Balance Category in which the foreign transaction is posted). 

TRANSACTIONS MADE IN FOREIGN CURRENCIES:  Transactions made in currencies other than United States 
Dollars will be converted to United States Dollars under the then current regulations of VISA®, MasterCard® or the 
VISA®/PLUS® ATM Network. Those regulations currently provide that the conversion rate may be either (1) a 
wholesale market rate or (2) a government-mandated rate. VISA® and MasterCard® currently use the rate in effect on 
the date they process your transaction. The currency conversion rate in effect on the date your transaction is processed 
may differ from the rate in effect on the transaction date or the posting date. The VISA®/PLUS® ATM Network 
currently uses the rate in effect on the transaction date.  

7. When we may close or require immediate payment of your account  
This section describes what events can cause us to require immediate payment of your entire account balance and 
when we can terminate or suspend your ability to use the account.  

REASONS FOR REQUIRING IMMEDIATE PAYMENT: Subject to applicable law and any right to cure that you 
may have under that law, we may require immediate payment of your entire account balance if:  

(1) you do not make any minimum payment to us when due;  

(2) you exceed your credit limit;  

(3) you make a payment to us that is dishonored for any reason;  

(4) you die or become insolvent; 

(5) you give us false or misleading information;  

(6) a petition is filed by or against you in any bankruptcy, reorganization, arrangement, insolvency, 
readjustment of debt, dissolution or liquidation proceeding;  

(7) a receiver, liquidator or trustee is appointed for you or any of your property, or you make an assignment for 
the benefit of creditors; 

(8) you are generally not paying or have announced that you will not pay your debts as they come due;  

(9) a breach occurs under any note, loan agreement, or other obligation for borrowed money to which you are a 
party; 

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(10) a material adverse change occurs in your financial or other condition;  

(11) you violate this Agreement or any other agreement you make with us; OR 

(12) if we have reason to doubt your ability to repay us.  

Our acceptance of a payment after one or more of the preceding events does not waive our right to require immediate 
payment of your entire account balance. 

TERMINATION OR SUSPENSION OF CREDIT PRIVILEGES: We may at any time, with or without cause and 
without advance notice, terminate this Agreement and/or temporarily or permanently suspend your credit privileges. 
This includes, but is not limited to, situations where you have violated this Agreement or where we have reason to 
doubt your creditworthiness (for example, if you pay us with insufficient funds checks on more than an occasional 
basis). Your obligations under this Agreement continue after your rights to obtain credit have been terminated or 
suspended. 

8. How account terms may change and certain rights 
This section explains how we may change the rates, fees and other terms of your account and this agreement at any 
time, after we give you any notice required by law.  This section also identifies certain rights. 

IMPORTANT NOTICE REGARDING CHANGES IN TERMS: Subject to applicable law, we may unilaterally 
change the Annual Percentage Rates, fees and other terms of this Agreement at any time, including after your account 
is closed (and regardless of the reason you or we closed the account). This includes modifications, deletions and the 
addition of new provisions, including non-financial provisions (for example, we may add provisions relating to our 
enforcement rights or the resolution of claims and disputes). If we make changes, we will send you all notices required 
by law.  Unless we explain otherwise in a change in terms notice you receive, the following rules will apply: (1) 
changes will be automatically effective on the date we specify and without the necessity of any further assent on your 
part; and (2) use of your account is not necessary for a change in terms to be effective. 

OUR RIGHTS:  Our failure to exercise, or our delay in exercising, any of our rights under the Agreement for any 
reason will not mean we are unable to exercise those rights later.  We may, from time to time on a consistent or 
inconsistent basis, take (or refrain from taking) certain actions that benefit you but that are not required by this 
Agreement or applicable law.  Any such course of dealing or course of performance shall not be considered to add to 
our legal obligations to you under this Agreement.  We may discontinue any such course of dealing or course of 
performance at any time without prior written notice. 

9. How to use your account without using your credit card 
Your account is more than the plastic card itself. There are other ways to access your credit line including by check or 
other credit access device. This section identifies how such checks and devices will be treated and different APRs that 
may apply other than your normal purchase rate. 

CHECKS THAT ACCESS YOUR ACCOUNT: Any checks or similar instruments (including electronic form or 
otherwise) that we provide to you or issue on your behalf will be treated as cash advance transactions, unless we 
indicate otherwise (for example, we may indicate that certain Special Offer checks used to make balance transfers will 
be treated as Purchases). To stop payment on a check or similar instrument (including electronic form or otherwise), 
you must notify us of the number and amount of the check or similar instrument before we receive it (we need not stop 
payment on checks or similar instruments that we issue on your behalf). We may pay post-dated checks or similar 
instruments (including electronic form or otherwise) unless you follow the procedure for stop payments. Checks or 
similar instruments (including electronic form or otherwise) that we provide to you may not be used to make payments 
on any account you have with us. 

10. How cardmember benefits and reward programs work 

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Our popular cardmember rewards programs may be managed by a third-party company and their details are covered 
under a separate agreement. 

CARDMEMBER BENEFITS AND REWARDS: Cardmember benefits and rewards are subject to change or 
termination without notice. Cardmember benefits and rewards may be provided by third parties; we are not liable for 
such benefits or rewards or for the actions or omissions of those third parties.  If there is any rewards membership fee 
on your account, it will be outlined in your rewards terms and conditions document and will be charged to your account 
as a purchase. 

11. How we communicate with you and share information with credit bureaus 
This section explains how we may retain your phone numbers or addresses and use them to contact you later if we need 
to reach you. It also explains how we report information about your account to credit reporting agencies and reminds 
you to notify us of a change of address 10 days before you move. 

COMMUNICATIONS WITH YOU AND OTHERS: We may call or e-mail you (using live operators, automatic 
dialing devices, or recorded messages) at home or work and those calls or e-mails will not be considered unsolicited. If 
you provide a cell phone number to us, either on the application or to a representative, or if you place a cell phone call 
to us, you agree that we may contact you (including for collection purposes) at that cell phone number. We may 
monitor or record any calls we make or receive. If you provide us with an e-mail address, either on the application or to 
a representative or if you send us an e-mail, you agree that we may contact you (including for collection purposes) at 
that e-mail address. 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. We may make inquiries of third parties in 
connection with maintaining and collecting your account, and you authorize such third parties to release information 
about you to us. You agree to notify us of any change in your mailing address at least ten (10) days before such change. 
If mailed, notices to you shall be considered given when we include the notice on or with your billing statement or 
when we deposit the notice in the U.S. mail addressed to the most recent address we have for you. 

12. Transferring your account and laws that govern your account with us 
This section explains how we may transfer your account and our rights to other parties. It also explains that you may 
not transfer your rights or duties under the agreement to another person.  It also identifies the laws that govern your 
account and this agreement. 

TRANSFERS: We may transfer all or part of your account balance, along with our rights under this Agreement, to 
another person or entity. That person or entity will then be entitled to enforce our rights under this Agreement. You 
may not transfer your rights or obligations under this Agreement. 

GOVERNING LAW: The interpretation and enforcement of this Agreement (including the exportation of interest rates) 
shall be governed by FEDERAL law and to the extent state law applies, NEBRASKA law, regardless of conflict of law 
principles. If there is any conflict between any of the terms and conditions of this Agreement and applicable law, this 
Agreement will be considered changed to the extent necessary to comply with applicable law.  Where this Agreement 
provides that we may exercise discretion in taking certain actions, those provisions are not intended to authorize us to 
take actions that are contrary to applicable law.  We have additional obligations under applicable law. We are not 
excused from complying with those obligations simply because they are not detailed in this Agreement.  You agree that 
all terms of this Agreement are material to the determination of interest. 

13. Scope of our agreement with you 
This section helps explain the scope of our agreement with you and how it will be applied and interpreted. 

ENTIRE AGREEMENT AND SEVERABILITY: This Agreement, as modified by any change in terms we may 
provide, supersedes any prior communications between you and us. Any invalid or unenforceable provision of this 
Agreement will not affect whether any other provision is valid or enforceable. 

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SECTION HEADINGS AND SUMMARIES: The section headings and summaries provided in this Agreement are 
provided only for your and our convenience. The section headings and summaries do not define or describe the entire 
scope or intent of any portion of this Agreement.  

14. Claims and Arbitration of disputes  
Arbitration is a process by which an impartial arbitrator resolves a dispute, instead of a court. This section explains 
which claims and disputes may be resolved by arbitration and the rules and limitations that apply in arbitration.  This 
section also explains the treatment and limitation of claims. 

 “CLAIMS” AND RELATED DEFINED TERMS:  When this Agreement refers to a “Claim” it means any pre-
existing, present or future claim, dispute or controversy that arises from or in any way relates to:  (a) this Agreement, 
any prior Cardmember Agreement, your credit card account, the credit we offer or deny to you in connection with your 
credit card account, any advertising or application for your credit card account, or the benefits, rewards or other 
products or services that are offered in connection with your credit card account; or (b) the acts or omissions of you, of 
us, or of Related Parties if those acts or omissions affect or relate to your credit card account or any benefits, rewards or 
other products or services related to your credit card account.  Claims include, but are not limited to, claims based on 
contract and tort (including intentional torts), claims made in law or in equity, claims based on constitutional, statutory, 
regulatory and common law rights, and claims for damages, penalties and injunctive, declaratory or equitable relief. 
When the term “you” is used in this provision on “Claims” or in the provisions on “Limitations on Claims” or 
“Arbitration”, that term means you and any of the following people who will be considered “Your Related Parties”: any 
co-applicant, joint cardmember, authorized user or guarantor on your credit card account, your heirs and your trustee in 
bankruptcy.  References to “Our Related Parties” in this Agreement includes affiliated third parties such as our parent, 
subsidiaries, and affiliates and our and their officers, directors, agents, employees, representatives, successors and 
assigns. “Our Related Parties” also include unaffiliated third parties that provide products, services or benefits (to you 
or to us) in connection with your credit card account or that have otherwise participated in the marketing or servicing of 
your credit card account.  Any Claim or Claims brought by or on behalf of a class, brought in a representative capacity 
or otherwise on a class basis, or brought in the form of a private attorney general action are referred to as “Class 
Proceedings” regardless of whether they are commenced in court or in arbitration. 

LIMITATIONS ON CLAIMS:  Before we bring a Claim against you, we must notify you in writing of our Claim, 
including the amount of the Claim.  Before you bring a Claim against us, you must notify us in writing of your Claim, 
including the amount of the Claim.  If we have a Claim based on a payment obligation that you may have to us: (1) our 
notification requirement will be considered satisfied by sending you a billing statement within the time required by 
applicable law and regulation; and (2) you will be afforded the period of time allowed by this Agreement and 
applicable law to make the payment before we commence court proceedings or arbitration.  If you have a Claim based 
on something we or Our Related Parties may have done or failed to do: (1) you agree to provide your notification to us 
within 90 days after the time you could have first learned what we or Our Related Parties did or failed to do; and (2) we 
will be afforded a reasonable period of time to take corrective action before you commence court proceedings or 
arbitration. 

You and we both agree, to the fullest extent allowed by law, that: (i) Claims will not under any circumstances be 
pursued in Class Proceedings; (ii) we waive the right to bring or to participate in Class Proceedings against you; and 
(iii) you waive the right to bring or to participate in Class Proceedings  against us.  If some other person initiates a 
Class Proceeding against you, we may not join that proceeding or participate as a member of that class.  If some other 
person initiates a Class Proceeding against us, you may not join that proceeding or participate as a member of that 
class.  This paragraph is referred to below as the “Class Action Waiver”.   

ARBITRATION: 

THIS CONTRACT CONTAINS AN ARBITRATION PROVISION WHICH MAY BE ENFORCED BY THE 
PARTIES.  PLEASE READ THE FOLLOWING PARAGRAPHS CAREFULLY: 

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WITH LIMITED EXCEPTIONS, THIS ARBITRATION PROVISION ALLOWS EITHER PARTY TO 
REQUIRE THAT ANY “CLAIM” (AS DEFINED ABOVE) BE RESOLVED BY BINDING ARBITRATION. 

ARBITRATION REPLACES THE RIGHT TO GO TO COURT AND TO HAVE A CLAIM DETERMINED 
BY A JURY.  OTHER RIGHTS YOU MAY HAVE IN COURT, SUCH AS DISCOVERY OR APPEAL 
RIGHTS, MAY NOT BE AVAILABLE OR MAY BE MORE LIMITED IN ARBITRATION. EXCEPT AS 
PROVIDED BELOW, THOSE OTHER RIGHTS ARE WAIVED.  

YOU WILL NOT BE ABLE TO DO THESE TWO THINGS (IN COURT OR IN ARBITRATION): (1) BRING 
A CLAIM AS A CLASS ACTION OR IN A REPRESENTATIVE CAPACITY; OR (2) PARTICIPATE IN A 
CLAIM AS A CLASS MEMBER.  

Except as provided below: (1) you may unilaterally choose to have any Claim that we bring against you resolved 
through binding arbitration; and (2) we may unilaterally choose to have any Claim that you bring against us (or us and 
any of Our Related Parties) resolved through binding arbitration. If you assert a Claim against any of Our Related 
Parties, but you do not also assert that Claim against us, the Related Party (or whoever will be defending the Related 
Party) may unilaterally choose to have that Claim resolved through binding arbitration.  If a court proceeding is 
commenced, the party that commenced that court proceeding may unilaterally choose to have any counterclaim, cross-
claim, or third party claim brought in that proceeding resolved through  binding arbitration.  If a party chooses to have 
a Claim resolved by arbitration pursuant to this arbitration provision, neither you nor we will have the right to 
litigate that Claim in court, have a jury trial on that Claim, or engage in pre-arbitration discovery, except as 
provided for in the applicable Arbitration Rules of the selected Arbitrator(s) and as otherwise set forth in this 
arbitration provision. 

“Ordinary Claims” are not subject to this arbitration provision and may be resolved through litigation.  A Claim will be 
considered an “Ordinary Claim” if all three of the following are true: (1) the only remedy being sought for the Claim is 
monetary damages; (2) the recovery being sought for the Claim is less than $25,000, excluding interest and costs; and 
(3) the only parties to litigation to resolve the Claim will be you, us and/or Related Parties. 

Arbitrations shall be conducted by one or more impartial arbitrators (the “Arbitrator(s)”). An Arbitrator must be a 
lawyer with at least ten years of experience or a retired judge. 

Arbitrations shall be conducted through a national arbitration organization with significant experience in financial and 
consumer disputes (referred to as an “Administrator”).  If more than one such Administrator is available to conduct a 
consumer credit card-related arbitration, the Administrator shall be the one mutually agreed upon by you and us.  
Arbitration through an Administrator shall be conducted in accordance with the arbitration rules and procedures of the 
Administrator which are applicable and in effect when the Claim is initiated (the “Arbitration Rules”).  For Arbitrations 
with an Administrator, the Administrator shall provide and designate a listing of potential Arbitrators to conduct the 
arbitration.  The Arbitrator shall be selected from the Administrator’s listing and will be the Arbitrator(s) mutually 
agreed upon by you and us. 

If no qualified Administrator is available to conduct a consumer credit card-related arbitration, the arbitration shall 
proceed by an Arbitrator without an Administrator.  Arbitration without an Administrator shall be conducted in 
accordance with the rules and procedures of the American Arbitration Association (“AAA”) in effect when the Claim is 
initiated, with the Arbitrator taking the place of the AAA therein (also, the “Arbitration Rules”).  For arbitrations 
without an Administrator, the Arbitrator(s) shall be mutually agreed upon by you and us. 

If the Arbitration Rules are inconsistent with this arbitration provision, this provision will prevail.  Arbitrations may be 
initiated pursuant to the Arbitration Rules.  You or we may choose to have an arbitration hearing.  You and we may be 
represented by counsel throughout any arbitration. Arbitration hearings will take place in the federal judicial district 
where you reside at the time the Claim is initiated or some other place to which you and we agree in writing.  The 
decision of the Arbitrator(s) will be final and binding.  Any final decision of the Arbitrator(s) is subject to judicial 

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review only as set forth in the Federal Arbitration Act.  Judgment upon an award rendered by the Arbitrator(s) may be 
entered in any court of competent jurisdiction. 

If there is a dispute as to whether any claim, dispute or controversy is a “Claim” subject to this provision, that dispute 
shall be resolved solely by the Arbitrator(s) (except as noted below with reference to Class Proceedings and except that 
a court may decide whether a Claim is an Ordinary Claim).    

An arbitration pursuant to this provision may decide only your Claims, our Claims or Claims of Related Parties.  The 
Arbitrator(s) shall have no authority to entertain or determine Class Proceedings.  If the Arbitrator(s) decide they have 
authority to entertain or determine any Claim brought in a Class Proceeding, that decision may be appealed to a court 
of competent jurisdiction.  If, despite this Agreement, Class Proceedings are allowed, those proceedings shall be 
conducted only in a court of competent jurisdiction.  The claims of other persons who may (or may not) have similar 
claims may not be consolidated with any Claim.  No arbitration will be consolidated with any other arbitration 
proceeding without the consent of all parties.  The only Claims that may be joined under this arbitration provision are 
(1) those brought by us and Our Related Parties against you and Your Related Parties; or (2) those brought by you and 
Your Related Parties against us and Our Related Parties. 

The Arbitrator(s) shall have no authority to award punitive damages. 

If any portion of this arbitration provision shall be found to be unenforceable, that portion will be severed, and the rest 
of this arbitration provision will remain in effect.  However, if the Class Action Waiver is held to be invalid with 
respect to any Class Proceeding, the entire arbitration provision shall be null and void. 

We will reimburse you for the initial arbitration filing fee up to $350 upon receipt of proof of payment, provided that 
you have initiated an individualized proceeding in good faith and in accordance with this Agreement and provided that 
you have not initiated your proceeding in concert with any other cardmember(s). All other fees will be allocated in 
keeping with the applicable Arbitration Rules and applicable law.  We will also advance or reimburse other fees if the 
Administrator or Arbitrator(s) determine there is good reason for requiring us to do so or if you ask us and we 
determine there is good cause for doing so.  Each party will bear the expense of the fees and costs of that party’s own 
attorneys, experts, witnesses, documents and other expenses, regardless of which party prevails. 

This arbitration provision shall survive repayment of your extension of credit, changes to your credit card account and 
this Agreement (although this provision itself may be changed in accordance with the Important Notice Regarding 
Changes in Terms provision), our assignment of your credit card account, the issuance of a new credit card, the transfer 
of the balance in one credit account to another, your or our termination of the credit card account and the bankruptcy 
(or similar proceeding) of any party.  

This arbitration provision is made in connection with a transaction involving interstate commerce, and shall be 
governed by and enforceable under the Federal Arbitration Act, 9 U.S.C. §§ 1 through 16, as amended.  The 
Arbitrator(s) shall apply applicable substantive law consistent with the Federal Arbitration Act, the National Bank Act 
and OCC regulations and applicable statutes of limitations, and shall honor claims of privilege recognized at law. 

15. Your billing rights as a cardmember  
This section describes specific legal rights you have as a cardmember. It explains how you may dispute an item on your 
statement, what you may do if you are dissatisfied with a purchase from a merchant and the limits on your liability for 
unauthorized transactions.  

YOUR BILLING RIGHTS 

KEEP THIS NOTICE FOR FUTURE USE 

This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.   

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What To Do If You Find a Mistake on Your Statement  

If you think there is an error on your statement, write to us at: 

First National Bank of Omaha 
P.O. Box 3696 
Omaha, NE  68103-0696 

In your letter, give us the following information: 

•   Account information: Your name and account number. 
•   Dollar amount: The dollar amount of the suspected error. 
•   Description of problem: If you think there is an error on your bill, describe what you believe is wrong and 

why you believe it is a mistake. 

You must contact us: 

•   Within 60 days after we send you the first statement on which the error or problem appeared. 
•   At least 3 business days before an automated payment is scheduled, if you want to stop payment on the 

amount you think is wrong. 

You must notify us of any potential errors in writing. You may call us, but if you do we are not required to investigate 
any potential errors and you may have to pay the amount in question. 

What Will Happen After We Receive Your Letter 

When we receive your letter, we must do two things: 

1.  Within 30 days of receiving your letter, we must tell you that we received your letter.  We will also tell you 

if we have already corrected the error. 

2.   Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe 

the bill is correct. 

While we investigate whether or not there has been an error: 

•   We cannot try to collect the amount in question, or report you as delinquent on that amount. 
•  

The charge in question may remain on your statement, and we may continue to charge you interest on that 
amount.   

•   While you do not have to pay the amount in question, you are responsible for the remainder of your 

balance. 

•   We can apply any unpaid amount against your credit limit. 

After we finish our investigation, one of two things will happen: 

•  

•  

If we made a mistake: You will not have to pay the amount in question or any interest or other fees related 
to that amount. 
If we do not believe there was a mistake: You will have to pay the amount in question, along with 
applicable interest and fees. We will send you a statement of the amount you owe and the date payment is 
due. We may then report you as delinquent if you do not pay the amount we think you owe. 

If you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that 
you still refuse to pay. If you do so, we cannot report you as delinquent without also reporting that you are questioning 

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your bill. We must tell you the name of anyone to whom we reported you as delinquent, and we must let those 
organizations know when the matter has been settled between us. 

If we do not follow all of the rules above, you do not have to pay the first $50 of the amount you question even if your 
bill is correct.   

Your Rights If You Are Dissatisfied With Your Credit Card Purchases 

If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in 
good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on 
the purchase. 

To use this right, all of the following must be true: 

1.   The purchase must have been made in your home state or within 100 miles of your current mailing address, 

and the purchase price must have been more than $50.  (Note: Neither of these are necessary if your 
purchase was based on an advertisement we mailed to you, or if we own the company that sold you the 
goods or services.) 

2.   You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or 

with a check that accesses your credit card account do not qualify. 

3.   You must not yet have fully paid for the purchase. 

If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at: 

First National Bank of Omaha 
P.O. Box 3696 
Omaha, NE  68103-0696 

While we investigate, the same rules apply to the disputed amount as discussed above.  After we finish our 
investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay, we may 
report you as delinquent. 

LIABILITY FOR UNAUTHORIZED USE 

If you notice the loss or theft of your credit card or a possible unauthorized use of your card, you should write to us 
immediately at P.O. Box 3696 Omaha, NE 68103-0696 or call us at 1-800-688-7070.  You will not be liable for any 
unauthorized use that occurs after you notify us. You may, however, be liable for unauthorized use that occurs before 
your notice to us. In any case, your liability will not exceed $50.00. 

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RATES AND TERMS SCHEDULE 

Interest Rates and Interest Charges 
Annual Percentage Rate 
(APR) for Purchases 

APR for Balance 
Transfers 
APR for Cash Advances 

Penalty APR and When it 
Applies 
Paying Interest 

Minimum Interest Charge 
For Credit Card Tips from 
the Consumer Financial 
Protection Bureau 

Fees 
Set-up and Maintenance 
Fees 

● Annual Fee
● Monthly Fee
Transaction Fees 

● Balance Transfer
● Cash Advance

● Cash Equivalent

● Foreign Transaction

Penalty Fees 

● Late Payment
● Returned Payment
  (Payment Dishonored) 

19.24%-21.49% (Index plus margin of 15.49%-17.74% ) 
This APR will vary with the market based on the Prime Rate.
19.24%-21.49% (Index plus margin of 15.49%-17.74%) This APR will 
vary with the market based on the Prime Rate 
25.49% or 25.74 (Index plus margin of 21.74% or 21.99) This APR 
will vary with the market based on the Prime Rate 
None 

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 new balance by the due date each month.  We will begin 
charging interest on cash advances and balance transfers on the 
transaction date. 
If you are charged interest, the charge will be no less than $1.75. 
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 http://www.consumerfinance.gov/learnmore. 

$35 

Either $10 or 5% of the amount of each transfer, whichever is greater 
Either $15 or 5% of the amount of each cash advance, whichever is 
greater 
Either $15 or 5% of the amount of each cash equivalent transaction, 
whichever is greater 
3% of each transaction in U.S. dollars. 

Up to $35 
Up to $35 

How We Will Calculate Your Balance:  We use a method called "average daily balance (including 
new purchases)".  See your Cardmember Agreement for more details. 

Billing Rights:  Information on your rights to dispute transactions and how to exercise those rights 
is provided in your Cardmember Agreement. 

This disclosure together with the Rates and Terms Schedule and accompanying 
Cardmember Agreement, govern your credit card account with us and are referred to 
collectively as the "Agreement". 

Index And When It Is Determined:  We use the U.S. Prime Rate as published 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 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. 
Stop Payment Fee:  $35 

Sales Draft Copy Fee:  $5 
Copy of a Statement Fee:  $3 

How We Will Calculate Your Minimum Payment:  The minimum payment 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 (a) 2% of the entire New 
Balance; or (b) $10; OR (3) The SUM of (a) Your current cycle fees and finance charges; PLUS (b) 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.