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First Command Bank Classic Visa

PO Box 901041, Fort Worth, TX 76101-2041

Card issued by : First Command Bank
General Correspondence Address : PO Box 901041, Fort Worth, TX 76101-2041
Card Type : Visa
Card Class : Classic/Standard
Card Category : Other
Finance Calculation Method : Average Daily Balance
Purchase Grace Period : 25 days
Annual Fee : $0.00
Balance Transfer Fee : None (None)
Cash Advance Fee : 2% ($2.00)
Over-the-Limit Fee : $0.00
Late Payment Fee : $15.00
Foreign Currency Fee : 0%
States Available in : ALL
Penalty/Default APR : 18% U
Penalty/Default Margin : 0%
Penalty/Default APR Floor :
Maximum Penalty/Default APR : 18%
Maximum Default APR : None
Penalty/Default Trigger : If cardholder defaults in any payment or otherwise violates any provision of the agreement, or dies or seeks to obtain any relief as a debtor in any proceeding under any bankruptcy, insolvency, or debtor relief law, or provides the bank false or misleading information or false signatures, at any time, or fails to make any payment or perform any promise in any other agreement or obligation that cardholder owes Bank, then cardholder will be in default. Bank may decline to extend further credit (cardholder agrees not to make further purchases or cash advances) and declare all amounts owed by cardholder immediately due and payable, without prior notice or demand of any kind, except as may be required by applicable law. After Bank declares all amounts then owed to Bank by Cardholder to be due and payable, and terminates Cardholder’s credit privileges under the Account Bank, at its option, may increase the Annual Percentage Rate up to 18%.
Universal Default Clause : No
Minimum Credit Limit : $200.00
Maximum Credit Limit : N/A

	Purchase	Balance Transfer	Cash Advance
Margin	N/A	0%	0%
Standard APR	10.25% F	0% U	0% U
Standard APR Floor	None	None	None
Introductory Rate	None	None	N/A
Introductory Period	None	None	N/A

Rebate Description: Score Card Rewards Program. Earn bonus points for every qualifying net dollar you spend, redemm your points for air travel, hotels, vacation packages, cruises, rental cars and merchandise.
**Special Notes: The cardholder agrees not to use or permit the use of the card in any manner that would cause the outstanding balance in the account ever to exceed the credit limit. If the cardholder attempts a transaction that exceeds the credit limit, the bank may: permit the transaction without raising the credit limit; permit the transaction and treat the amount of the transaction that is more than the credit limit as immediately due; or refuse to permit the transaction. If the bank declines the transaction, the bank may advise the person who attempted the transaction that it has been declined. If the bank has previously permitted transactions that exceed the credit limit, it does not mean that the bank will permit a transaction that exceeds the credit limit on a subsequent date. There is a grace period provided cardholder has paid the new balance in full on the previous periodic statement. Minimum payment is 2.5% of balance, or $50.00, whichever is greater. Late payment fee is the lesser of $15.00, or 5% of each minimum payment which is not made within 30 days after the applicable payment due date.

First Command Bank Platinum Visa

PO Box 901041, Fort Worth, TX 76101-2041

Card issued by : First Command Bank
General Correspondence Address : PO Box 901041, Fort Worth, TX 76101-2041
Card Type : Visa
Card Class : Platinum
Card Category : Low Interest
Finance Calculation Method : Average Daily Balance
Purchase Grace Period : 25 days
Annual Fee : $0.00
Balance Transfer Fee : None (None)
Cash Advance Fee : 2% ($2.00)
Over-the-Limit Fee : $0.00
Late Payment Fee : $15.00
Foreign Currency Fee : 0%
States Available in : ALL
Penalty/Default APR : 18% U
Penalty/Default Margin : 0%
Penalty/Default APR Floor :
Maximum Penalty/Default APR : 18%
Maximum Default APR : None
Penalty/Default Trigger : If cardholder defaults in any payment or otherwise violates any provision of the agreement, or dies or seeks to obtain any relief as a debtor in any proceeding under any bankruptcy, insolvency, or debtor relief law, or provides the bank false or misleading information or false signatures, at any time, or fails to make any payment or perform any promise in any other agreement or obligation that cardholder owes Bank, then cardholder will be in default. Bank may decline to extend further credit (cardholder agrees not to make further purchases or cash advances) and declare all amounts owed by cardholder immediately due and payable, without prior notice or demand of any kind, except as may be required by applicable law. After Bank declares all amounts then owed to Bank by Cardholder to be due and payable, and terminates Cardholder’s credit privileges under the Account Bank, at its option, may increase the Annual Percentage Rate up to 18%.
Universal Default Clause : No
Minimum Credit Limit : $5,000.00
Maximum Credit Limit : N/A

	Purchase	Balance Transfer	Cash Advance
Margin	3%	3%	3%
Standard APR	6.25% V	6.25% V	6.25% V
Standard APR Floor	None	None	None
Introductory Rate	None	None	N/A
Introductory Period	None	None	N/A

Rebate Description: Score Card Rewards Program. Earn bonus points for every qualifying net dollar you spend, redemm your points for air travel, hotels, vacation packages, cruises, rental cars and merchandise.
**Special Notes: The cardholder agrees not to use or permit the use of the card in any manner that would cause the outstanding balance in the account ever to exceed the credit limit. If the cardholder attempts a transaction that exceeds the credit limit, the bank may: permit the transaction without raising the credit limit; permit the transaction and treat the amount of the transaction that is more than the credit limit as immediately due; or refuse to permit the transaction. If the bank declines the transaction, the bank may advise the person who attempted the transaction that it has been declined. If the bank has previously permitted transactions that exceed the credit limit, it does not mean that the bank will permit a transaction that exceeds the credit limit on a subsequent date. There is a grace period provided cardholder has paid the new balance in full on the previous periodic statement. Minimum payment is 2.5% of balance, or $50.00, whichever is greater. Late payment fee is the lesser of $15.00, or 5% of each minimum payment which is not made within 30 days after the applicable payment due date.

First Hawaiian Bank MasterCard

PO Box 3200, Honolulu, HI 96847

Card issued by : First Hawaiian Bank
General Correspondence Address : PO Box 3200, Honolulu, HI 96847
Card Type : MasterCard
Card Class : Classic/Standard
Card Category : Other
Finance Calculation Method : Average Daily Balance
Purchase Grace Period : 25 days
Annual Fee : $0.00
Balance Transfer Fee : 0% (Unknown)
Cash Advance Fee : 3% ($5.00)
Over-the-Limit Fee : $15.00
Late Payment Fee : $29.95
Foreign Currency Fee : 2.5%
States Available in : HI
Penalty/Default APR : 18% F
Penalty/Default Margin : N/A
Penalty/Default APR Floor :
Maximum Penalty/Default APR : 18%
Maximum Default APR : None
Penalty/Default Trigger : Not receiving the required minimum payment for two consecutive billing periods, default APR will be 18% fixed.
Universal Default Clause : No
Minimum Credit Limit : N/A
Maximum Credit Limit : N/A

	Purchase	Balance Transfer	Cash Advance
Margin	11.99%	0%	N/A
Standard APR	15.24% V	0% U	18% F
Standard APR Floor	None	None	None
Introductory Rate	None	None	N/A
Introductory Period	None	None	N/A

Rebate Description: N/A
**Special Notes: Must be a resident of Hawaii, Guam or CNMI when applying online. Instant approval not available for residents of CNMI. Over-the-limit fee: only applicable if you have opted in to the over the limit coverage. Cash Advance fees: convenience checks or over-the-counter cash advance fees are either $5 or 3% of the amount of each cash advance, whichever is greater (maximum fee $50); and ATM cash advance fees are either $3 or 3% of the amount of each cash advance, whichever is greater (maximum fee $50). Your due date is at least 25 days after the close of each billing cycle. Card company will not charge you interest on purchases if you pay your entire new balance by the payment due date each month. Card company will begin charging interest on Cash Advances on the transaction date.

First Hawaiian Bank Visa

PO Box 3200, Honolulu, HI 96847

Card issued by : First Hawaiian Bank
General Correspondence Address : PO Box 3200, Honolulu, HI 96847
Card Type : Visa
Card Class : Classic/Standard
Card Category : Instant Approval
Finance Calculation Method : Average Daily Balance
Purchase Grace Period : 25 days
Annual Fee : $0.00
Balance Transfer Fee : 0% (Unknown)
Cash Advance Fee : 3% ($5.00)
Over-the-Limit Fee : $15.00
Late Payment Fee : $29.95
Foreign Currency Fee : 2.5%
States Available in : HI
Penalty/Default APR : 18% F
Penalty/Default Margin : N/A
Penalty/Default APR Floor :
Maximum Penalty/Default APR : 18%
Maximum Default APR : None
Penalty/Default Trigger : Not receiving the required minimum payment for two consecutive billing periods.
Universal Default Clause : No
Minimum Credit Limit : N/A
Maximum Credit Limit : N/A

	Purchase	Balance Transfer	Cash Advance
Margin	11.99%	0%	N/A
Standard APR	15.24% V	0% U	18% F
Standard APR Floor	None	None	None
Introductory Rate	None	None	N/A
Introductory Period	None	None	N/A

Rebate Description: N/A
**Special Notes: Must be a resident of Hawaii, Guam or CNMI when applying online. Instant approval not available for residents of CNMI. Over-the-limit fee: only applicable if you have opted in to the over the limit coverage. Cash Advance fees: convenience checks or over-the-counter cash advance fees are either $5 or 3% of the amount of each cash advance, whichever is greater (maximum fee $50); and ATM cash advance fees are either $3 or 3% of the amount of each cash advance, whichever is greater (maximum fee $50). Your due date is at least 25 days after the close of each billing cycle. Card company will not charge you interest on purchases if you pay your entire new balance by the payment due date each month. Card company will begin charging interest on Cash Advances on the transaction date.

First National Bank of Chester County College Rewards Visa® Card

PO Box 6354, Fargo, ND 58125-6354

Card issued by : Elan Financial Services for First National Bank of Chester County
General Correspondence Address : PO Box 6354, Fargo, ND 58125-6354
Card Type : Visa
Card Class : Classic/Standard
Card Category : Student
Finance Calculation Method : Average Daily Balance
Purchase Grace Period : 24 days
Annual Fee : $0.00
Balance Transfer Fee : 3% ($5.00)
Cash Advance Fee : 4% ($10.00)
Over-the-Limit Fee : $39.00
Late Payment Fee : $19.00 - $39.00
Foreign Currency Fee : 2% - 3%
States Available in : ALL
Penalty/Default APR : 0% U
Penalty/Default Margin : 0%
Penalty/Default APR Floor :
Maximum Penalty/Default APR : 0%
Maximum Default APR : 0%
Penalty/Default Trigger : Unknown
Universal Default Clause : No
Minimum Credit Limit : N/A
Maximum Credit Limit : N/A

	Purchase	Balance Transfer	Cash Advance
Margin	17.74%	17.74%	20.74%
Standard APR	20.99% V	20.99% V	23.99% V
Standard APR Floor	None	None	None
Introductory Rate	None	None	N/A
Introductory Period	None	None	N/A

Rebate Description: Earn 1,000 bonus points upon first use fo the card. Earn one point for every net purchase dollar. Redeem rewards with as few as 1500 points. Reward options on travel, cash, gift certificates, merchandise through exclusive Rewards program, points redeemed for any card purchase.
**Special Notes: Applicant must be at least 18 years of age, have a US address, a Social Security number, and be attending a 2 or 4-year college. Payment due date is 24 - 30 days after the close of each billing cycle. Interest will not be charged on purchases if the entire balance is paid by the due date. Fees: Convenience Check Cash Advance either $5 or 3% of the advance amount, whichever is greater; Cash Advance ATM & Cash Advance either $10 or 4%; Cash Equivalent Advance either $20 or 4%. Overdraft Protection $10 (not all products offer overdraft protection). Foreign Transaction Fee: 2% of each foreign purchase transaction or foreign ATM advance transaction in US dollars; or 3% of each foreign purchase transaction or foreign ATM advance transaction in a foreign currency. Card company may change APRs, fees, and other account terms in the future based on your experience with Elan Financial Services and its affiliates as provided under the Cardmember Agreement and applicable law.

First National Bank of Chester County College Rewards Visa® Card

PO Box 6354, Fargo, ND 58125-6354

Card issued by : Elan Financial Services for First National Bank of Chester County
General Correspondence Address : PO Box 6354, Fargo, ND 58125-6354
Card Type : Visa
Card Class : Classic/Standard
Card Category : Student
Finance Calculation Method : Average Daily Balance
Purchase Grace Period : 24 days
Annual Fee : $0.00
Balance Transfer Fee : 3% ($5.00)
Cash Advance Fee : 4% ($10.00)
Over-the-Limit Fee : $39.00
Late Payment Fee : $19.00 - $39.00
Foreign Currency Fee : 2% - 3%
States Available in : ALL
Penalty/Default APR : 0% U
Penalty/Default Margin : 0%
Penalty/Default APR Floor :
Maximum Penalty/Default APR : 0%
Maximum Default APR : 0%
Penalty/Default Trigger : Unknown
Universal Default Clause : No
Minimum Credit Limit : N/A
Maximum Credit Limit : N/A

	Purchase	Balance Transfer	Cash Advance
Margin	8.74%	8.74%	20.74%
Standard APR	11.99% V	11.99% V	23.99% V
Standard APR Floor	None	None	None
Introductory Rate	None	None	N/A
Introductory Period	None	None	N/A

Rebate Description: Earn 1,000 bonus points upon first use fo the card. Redeem rewards with as few as 1500 points. Reward options on travel, cash, gift certificates, merchandise through exclusive Rewards program, points redeemed for any card purchase.
**Special Notes: Applicant must be at least 18 years of age, have a US address, a Social Security number, and be attending a 2 or 4-year college. Payment due date is 24 - 30 days after the close of each billing cycle. Interest will not be charged on purchases if the entire balance is paid by the due date. Fees: Convenience Check Cash Advance either $5 or 3% of the advance amount, whichever is greater; Cash Advance ATM & Cash Advance either $10 or 4%; Cash Equivalent Advance either $20 or 4%. Overdraft Protection $10 (not all products offer overdraft protection). Foreign Transaction Fee: 2% of each foreign purchase transaction or foreign ATM advance transaction in US dollars; or 3% of each foreign purchase transaction or foreign ATM advance transaction in a foreign currency. Card company may change APRs, fees, and other account terms in the future based on your experience with Elan Financial Services and its affiliates as provided under the Cardmember Agreement and applicable law.

First National Bank of Chester County Visa® Platinum Card

PO Box 6354, Fargo, ND 58125-6354

Card issued by : Elan Financial Services for First National Bank of Chester County
General Correspondence Address : PO Box 6354, Fargo, ND 58125-6354
Card Type : Visa
Card Class : Platinum
Card Category : Low Intro Rate
Finance Calculation Method : Average Daily Balance
Purchase Grace Period : 24 days
Annual Fee : $0.00
Balance Transfer Fee : 3% ($5.00)
Cash Advance Fee : 4% ($10.00)
Over-the-Limit Fee : $39.00
Late Payment Fee : $19.00 - $39.00
Foreign Currency Fee : 2% - 3%
States Available in : ALL
Penalty/Default APR : 0% U
Penalty/Default Margin : 0%
Penalty/Default APR Floor :
Maximum Penalty/Default APR : 0%
Maximum Default APR : 0%
Penalty/Default Trigger : Unknown
Universal Default Clause : No
Minimum Credit Limit : N/A
Maximum Credit Limit : N/A

	Purchase	Balance Transfer	Cash Advance
Margin	17.74%	17.74%	20.74%
Standard APR	20.99% V	20.99% V	23.99% V
Standard APR Floor	None	None	None
Introductory Rate	0%	0%	N/A
Introductory Period	6 billing cycles	6 billing cycles	N/A

Rebate Description: N/A
**Special Notes: Applicant must be at least 18 years of age, have a US address, Social Security number, and a minimum annual household income of $12,000. Payment due date is 24 - 30 days after the close of each billing cycle. Interest will not be charged on purchases if the entire balance is paid by the due date. Fees: Convenience Check Cash Advance either $5 or 3% of the advance amount, whichever is greater; Cash Advance ATM & Cash Advance either $10 or 4%; Cash Equivalent Advance either $20 or 4%. Overdraft Protection $10 (not all products offer overdraft protection). Foreign Transaction Fee: 2% of each foreign purchase transaction or foreign ATM advance transaction in US dollars; or 3% of each foreign purchase transaction or foreign ATM advance transaction in a foreign currency. Card company may change APRs, fees, and other account terms in the future based on your experience with Elan Financial Services and its affiliates as provided under the Cardmember Agreement and applicable law.

First National Bank of Chester County Visa® Platinum Card

PO Box 6354, Fargo, ND 58125-6354

Card issued by : Elan Financial Services for First National Bank of Chester County
General Correspondence Address : PO Box 6354, Fargo, ND 58125-6354
Card Type : Visa
Card Class : Platinum
Card Category : Low Interest
Finance Calculation Method : Average Daily Balance
Purchase Grace Period : 24 days
Annual Fee : $0.00
Balance Transfer Fee : 3% ($5.00)
Cash Advance Fee : 4% ($10.00)
Over-the-Limit Fee : $39.00
Late Payment Fee : $19.00 - $39.00
Foreign Currency Fee : 2% - 3%
States Available in : ALL
Penalty/Default APR : 0% U
Penalty/Default Margin : 0%
Penalty/Default APR Floor :
Maximum Penalty/Default APR : 0%
Maximum Default APR : 0%
Penalty/Default Trigger : Unknown
Universal Default Clause : No
Minimum Credit Limit : N/A
Maximum Credit Limit : N/A

	Purchase	Balance Transfer	Cash Advance
Margin	6.74%	6.74%	20.74%
Standard APR	9.99% V	9.99% V	23.99% V
Standard APR Floor	None	None	None
Introductory Rate	0%	0%	N/A
Introductory Period	6 billing cycles	6 billing cycles	N/A

Rebate Description: N/A
**Special Notes: Applicant must be at least 18 years of age, have a US address, Social Security number, and a minimum annual household income of $12,000. Payment due date is 24 - 30 days after the close of each billing cycle. Interest will not be charged on purchases if the entire balance is paid by the due date. Fees: Convenience Check Cash Advance either $5 or 3% of the advance amount, whichever is greater; Cash Advance ATM & Cash Advance either $10 or 4%; Cash Equivalent Advance either $20 or 4%. Overdraft Protection $10 (not all products offer overdraft protection). Foreign Transaction Fee: 2% of each foreign purchase transaction or foreign ATM advance transaction in US dollars; or 3% of each foreign purchase transaction or foreign ATM advance transaction in a foreign currency. Card company may change APRs, fees, and other account terms in the future based on your experience with Elan Financial Services and its affiliates as provided under the Cardmember Agreement and applicable law.

First National Bank of Jeffersonville Visa® Platinum Card

PO Box 6354, Fargo, ND 58125-6354

Card issued by : Elan Financial Services for First National Bank of Jeffersonville
General Correspondence Address : PO Box 6354, Fargo, ND 58125-6354
Card Type : Visa
Card Class : Platinum
Card Category : Low Intro Rate
Finance Calculation Method : Average Daily Balance
Purchase Grace Period : 24 days
Annual Fee : $0.00
Balance Transfer Fee : 3% ($5.00)
Cash Advance Fee : 4% ($10.00)
Over-the-Limit Fee : $39.00
Late Payment Fee : $19.00 - $39.00
Foreign Currency Fee : 2% - 3%
States Available in : ALL
Penalty/Default APR : 0% U
Penalty/Default Margin : 0%
Penalty/Default APR Floor :
Maximum Penalty/Default APR : 0%
Maximum Default APR : 0%
Penalty/Default Trigger : Unknown
Universal Default Clause : No
Minimum Credit Limit : N/A
Maximum Credit Limit : N/A

	Purchase	Balance Transfer	Cash Advance
Margin	17.74%	17.74%	20.74%
Standard APR	20.99% V	20.99% V	23.99% V
Standard APR Floor	None	None	None
Introductory Rate	0%	0%	N/A
Introductory Period	6 billing cycles	6 billing cycles	N/A

Rebate Description: N/A
**Special Notes: Applicant must be at least 18 years of age, have a US address, Social Security number and a minimum household income of $12,000. Payment due date is 24 - 30 days after the close of each billing cycle. Interest will not be charged on purchases if the entire balance is paid by the due date. Fees: Convenience Check Cash Advance either $5 or 3% of the advance amount, whichever is greater; Cash Advance ATM & Cash Advance either $10 or 4%; Cash Equivalent Advance either $20 or 4%. Overdraft Protection $10 (not all products offer overdraft protection). Foreign Transaction Fee: 2% of each foreign purchase transaction or foreign ATM advance transaction in US dollars; or 3% of each foreign purchase transaction or foreign ATM advance transaction in a foreign currency. Card company may change APRs, fees, and other account terms in the future based on your experience with Elan Financial Services and its affiliates as provided under the Cardmember Agreement and applicable law.

First National Bank of Jeffersonville Visa® Platinum Card

PO Box 6354, Fargo, ND 58125-6354

Card issued by : Elan Financial Services for First National Bank of Jeffersonville
General Correspondence Address : PO Box 6354, Fargo, ND 58125-6354
Card Type : Visa
Card Class : Platinum
Card Category : Low Interest
Finance Calculation Method : Average Daily Balance
Purchase Grace Period : 24 days
Annual Fee : $0.00
Balance Transfer Fee : 3% ($5.00)
Cash Advance Fee : 4% ($10.00)
Over-the-Limit Fee : $39.00
Late Payment Fee : $19.00 - $39.00
Foreign Currency Fee : 2% - 3%
States Available in : ALL
Penalty/Default APR : 0% U
Penalty/Default Margin : 0%
Penalty/Default APR Floor :
Maximum Penalty/Default APR : 0%
Maximum Default APR : 0%
Penalty/Default Trigger : Unknown
Universal Default Clause : No
Minimum Credit Limit : N/A
Maximum Credit Limit : N/A

	Purchase	Balance Transfer	Cash Advance
Margin	6.74%	6.74%	20.74%
Standard APR	9.99% V	9.99% V	23.99% V
Standard APR Floor	None	None	None
Introductory Rate	0%	0%	N/A
Introductory Period	6 billing cycles	6 billing cycles	N/A

Rebate Description: N/A
**Special Notes: Applicant must be at least 18 years of age, have a US address, Social Security number and a minimum household income of $12,000. Payment due date is 24 - 30 days after the close of each billing cycle. Interest will not be charged on purchases if the entire balance is paid by the due date. Fees: Convenience Check Cash Advance either $5 or 3% of the advance amount, whichever is greater; Cash Advance ATM & Cash Advance either $10 or 4%; Cash Equivalent Advance either $20 or 4%. Overdraft Protection $10 (not all products offer overdraft protection). Foreign Transaction Fee: 2% of each foreign purchase transaction or foreign ATM advance transaction in US dollars; or 3% of each foreign purchase transaction or foreign ATM advance transaction in a foreign currency. Card company may change APRs, fees, and other account terms in the future based on your experience with Elan Financial Services and its affiliates as provided under the Cardmember Agreement and applicable law.

First National Bank of Omaha Maximum Rewards℠ Platinum Edition® Visa®

PO Box 2490, Omaha, NE 68103-2490

Card issued by : First National Bank of Omaha
General Correspondence Address : PO Box 2490, Omaha, NE 68103-2490
Card Type : Visa
Card Class : Platinum
Card Category : Rewards
Finance Calculation Method : Average Daily Balance
Purchase Grace Period : 21 days
Annual Fee : $0.00
Balance Transfer Fee : 4% ($10.00)
Cash Advance Fee : 5% ($15.00)
Over-the-Limit Fee : $0.00
Late Payment Fee : $35.00 - $39.00
Foreign Currency Fee : 3%
States Available in : ALL
Penalty/Default APR : 29.99% V
Penalty/Default Margin : 26.74%
Penalty/Default APR Floor :
Maximum Penalty/Default APR : 29.99%
Maximum Default APR : 29.99%
Penalty/Default Trigger : Card company may increase Annual Percentage Rates on your future balances if you: fail to make a minimum payment when due; you exceed your credit limit; or you make a payment that is dishonored for any reason. Card company may also increase the Annual Percentage Rates on all your balances if you are more than 60 days late in making a required minimum payment. The amount of an APR increase may be based on how you have handled your account with card company and current and historical information regarding your credit in general. These increases will be subject to the requirements of applicable law.
Universal Default Clause : No
Minimum Credit Limit : N/A
Maximum Credit Limit : No Preset Spending Limit

	Purchase	Balance Transfer	Cash Advance
Margin	10.74%	10.74%	21.99%
Standard APR	13.99% V	13.99% V	25.24% V
Standard APR Floor	None	None	None
Introductory Rate	None	None	N/A
Introductory Period	None	None	N/A

Rebate Description: 1.5 points for every $1 in qualifying purchases. No limit to the number of points that you can earn. Choice of rewards including gift cards, merchandise or travel on any major airline.
**Special Notes: Penalty Rate APR: up to 29.99% variable, the APR for Penalty Rates may vary and will be the Index plus a Margin of up to 26.74%. 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. Grace Period for repayment of your balance for purchases is not less than 21 days from the closing date of the billing cycle provided you have paid your previous New Balance in full by the due date. APRs are not guaranteed, they may change to higher APRs; in addition, card company may change whether your rates will be variable or fixed.

First National Bank of Omaha Maximum Rewards℠ Platinum Edition® Visa®

PO Box 2490, Omaha, NE 68103-2490

Card issued by : First National Bank of Omaha
General Correspondence Address : PO Box 2490, Omaha, NE 68103-2490
Card Type : Visa
Card Class : Platinum
Card Category : Rewards
Finance Calculation Method : Average Daily Balance
Purchase Grace Period : 21 days
Annual Fee : $0.00
Balance Transfer Fee : 4% ($10.00)
Cash Advance Fee : 5% ($15.00)
Over-the-Limit Fee : $0.00
Late Payment Fee : $35.00 - $39.00
Foreign Currency Fee : 3%
States Available in : ALL
Penalty/Default APR : 29.99% V
Penalty/Default Margin : 26.74%
Penalty/Default APR Floor :
Maximum Penalty/Default APR : 29.99%
Maximum Default APR : 29.99%
Penalty/Default Trigger : Card company may increase Annual Percentage Rates on your future balances if you: fail to make a minimum payment when due; you exceed your credit limit; or you make a payment that is dishonored for any reason. Card company may also increase the Annual Percentage Rates on all your balances if you are more than 60 days late in making a required minimum payment. The amount of an APR increase may be based on how you have handled your account with card company and current and historical information regarding your credit in general. These increases will be subject to the requirements of applicable law.
Universal Default Clause : No
Minimum Credit Limit : N/A
Maximum Credit Limit : No Preset Spending Limit

	Purchase	Balance Transfer	Cash Advance
Margin	13.74%	13.74%	21.99%
Standard APR	16.99% V	16.99% V	25.24% V
Standard APR Floor	None	None	None
Introductory Rate	None	None	N/A
Introductory Period	None	None	N/A

Rebate Description: 1.5 points for every $1 in qualifying purchases. No limit to the number of points that you can earn. Choice of rewards including gift cards, merchandise or travel on any major airline.
**Special Notes: Penalty Rate APR: up to 29.99% variable, the APR for Penalty Rates may vary and will be the Index plus a Margin of up to 26.74%. 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. Grace Period for repayment of your balance for purchases is not less than 21 days from the closing date of the billing cycle provided you have paid your previous New Balance in full by the due date. APRs are not guaranteed, they may change to higher APRs; in addition, card company may change whether your rates will be variable or fixed.

First National Bank of Omaha Maximum Rewards℠ Platinum Edition® Visa®

PO Box 2490, Omaha, NE 68103-2490

Card issued by : First National Bank of Omaha
General Correspondence Address : PO Box 2490, Omaha, NE 68103-2490
Card Type : Visa
Card Class : Platinum
Card Category : Rewards
Finance Calculation Method : Average Daily Balance
Purchase Grace Period : 21 days
Annual Fee : $0.00
Balance Transfer Fee : 4% ($10.00)
Cash Advance Fee : 5% ($15.00)
Over-the-Limit Fee : $0.00
Late Payment Fee : $35.00 - $39.00
Foreign Currency Fee : 3%
States Available in : ALL
Penalty/Default APR : 29.99% V
Penalty/Default Margin : 26.74%
Penalty/Default APR Floor :
Maximum Penalty/Default APR : 29.99%
Maximum Default APR : 29.99%
Penalty/Default Trigger : Card company may increase Annual Percentage Rates on your future balances if you: fail to make a minimum payment when due; you exceed your credit limit; or you make a payment that is dishonored for any reason. Card company may also increase the Annual Percentage Rates on all your balances if you are more than 60 days late in making a required minimum payment. The amount of an APR increase may be based on how you have handled your account with card company and current and historical information regarding your credit in general. These increases will be subject to the requirements of applicable law.
Universal Default Clause : No
Minimum Credit Limit : N/A
Maximum Credit Limit : No Preset Spending Limit

	Purchase	Balance Transfer	Cash Advance
Margin	16.74%	16.74%	21.99%
Standard APR	19.99% V	19.99% V	25.24% V
Standard APR Floor	None	None	None
Introductory Rate	None	None	N/A
Introductory Period	None	None	N/A

Rebate Description: 1.5 points for every $1 in qualifying purchases. No limit to the number of points that you can earn. Choice of rewards including gift cards, merchandise or travel on any major airline. Other rewards at http://www.firstnational.com/common/shared/creditcards/rewards/default.htm
**Special Notes: Penalty Rate APR: up to 29.99% variable, the APR for Penalty Rates may vary and will be the Index plus a Margin of up to 26.74%. 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. Grace Period for repayment of your balance for purchases is not less than 21 days from the closing date of the billing cycle provided you have paid your previous New Balance in full by the due date. APRs are not guaranteed, they may change to higher APRs; in addition, card company may change whether your rates will be variable or fixed.

First National Bank of Omaha Platinum Edition® MasterCard® Card

PO Box 2490, Omaha, NE 68103-2490

Card issued by : First National Bank of Omaha
General Correspondence Address : PO Box 2490, Omaha, NE 68103-2490
Card Type : MasterCard
Card Class : Platinum
Card Category : Low Intro Rate
Finance Calculation Method : Average Daily Balance
Purchase Grace Period : 21 days
Annual Fee : $0.00
Balance Transfer Fee : 4% ($10.00)
Cash Advance Fee : 5% ($15.00)
Over-the-Limit Fee : $0.00
Late Payment Fee : $35.00 - $39.00
Foreign Currency Fee : 3%
States Available in : ALL
Penalty/Default APR : 29.99% V
Penalty/Default Margin : 26.74%
Penalty/Default APR Floor :
Maximum Penalty/Default APR : 29.99%
Maximum Default APR : 29.99%
Penalty/Default Trigger : Card company may increase Annual Percentage Rates on your future balances if you: fail to make a minimum payment when due; you exceed your credit limit; or you make a payment that is dishonored for any reason. Card company may also increase the Annual Percentage Rates on all your balances if you are more than 60 days late in making a required minimum payment. The amount of an APR increase may be based on how you have handled your account with card company and current and historical information regarding your credit in general. These increases will be subject to the requirements of applicable law.
Universal Default Clause : No
Minimum Credit Limit : N/A
Maximum Credit Limit : N/A

	Purchase	Balance Transfer	Cash Advance
Margin	6.74%	6.74%	21.99%
Standard APR	9.99% V	9.99% V	25.24% V
Standard APR Floor	None	None	None
Introductory Rate	0%	None	N/A
Introductory Period	6 billing cycles	None	N/A

Rebate Description: N/A
**Special Notes: Penalty Rate APR: up to 29.99% variable, the APR for Penalty Rates may vary and will be the Index plus a Margin of up to 26.74%. Grace Period for repayment of your balance for purchases is not less than 21 days from the closing date of the billing cycle provided you have paid your previous New Balance in full by the due date. APRs are not guaranteed, they may change to higher APRs; in addition, card company may change whether your rates will be variable or fixed.

First National Bank of Omaha Platinum Edition® MasterCard® Card

PO Box 2490, Omaha, NE 68103-2490

Card issued by : First National Bank of Omaha
General Correspondence Address : PO Box 2490, Omaha, NE 68103-2490
Card Type : MasterCard
Card Class : Platinum
Card Category : Low Intro Rate
Finance Calculation Method : Average Daily Balance
Purchase Grace Period : 21 days
Annual Fee : $0.00
Balance Transfer Fee : 4% ($10.00)
Cash Advance Fee : 5% ($15.00)
Over-the-Limit Fee : $0.00
Late Payment Fee : $35.00 - $39.00
Foreign Currency Fee : 3%
States Available in : ALL
Penalty/Default APR : 29.99% V
Penalty/Default Margin : 26.74%
Penalty/Default APR Floor :
Maximum Penalty/Default APR : 29.99%
Maximum Default APR : 29.99%
Penalty/Default Trigger : Card company may increase Annual Percentage Rates on your future balances if you: fail to make a minimum payment when due; you exceed your credit limit; or you make a payment that is dishonored for any reason. Card company may also increase the Annual Percentage Rates on all your balances if you are more than 60 days late in making a required minimum payment. The amount of an APR increase may be based on how you have handled your account with card company and current and historical information regarding your credit in general. These increases will be subject to the requirements of applicable law.
Universal Default Clause : No
Minimum Credit Limit : N/A
Maximum Credit Limit : N/A

	Purchase	Balance Transfer	Cash Advance
Margin	10.74%	10.74%	21.99%
Standard APR	13.99% V	13.99% V	25.24% V
Standard APR Floor	None	None	None
Introductory Rate	0%	None	N/A
Introductory Period	6 billing cycles	None	N/A

Rebate Description: N/A
**Special Notes: Penalty Rate APR: up to 29.99% variable, the APR for Penalty Rates may vary and will be the Index plus a Margin of up to 26.74%. Grace Period for repayment of your balance for purchases is not less than 21 days from the closing date of the billing cycle provided you have paid your previous New Balance in full by the due date. APRs are not guaranteed, they may change to higher APRs; in addition, card company may change whether your rates will be variable or fixed.

First National Bank of Omaha Platinum Edition® MasterCard® Card

PO Box 2490, Omaha, NE 68103-2490

Card issued by : First National Bank of Omaha
General Correspondence Address : PO Box 2490, Omaha, NE 68103-2490
Card Type : MasterCard
Card Class : Platinum
Card Category : Low Intro Rate
Finance Calculation Method : Average Daily Balance
Purchase Grace Period : 21 days
Annual Fee : $0.00
Balance Transfer Fee : 4% ($10.00)
Cash Advance Fee : 5% ($15.00)
Over-the-Limit Fee : $0.00
Late Payment Fee : $35.00 - $39.00
Foreign Currency Fee : 3%
States Available in : ALL
Penalty/Default APR : 29.99% V
Penalty/Default Margin : 26.74%
Penalty/Default APR Floor :
Maximum Penalty/Default APR : 29.99%
Maximum Default APR : 29.99%
Penalty/Default Trigger : Card company may increase Annual Percentage Rates on your future balances if you: fail to make a minimum payment when due; you exceed your credit limit; or you make a payment that is dishonored for any reason. Card company may also increase the Annual Percentage Rates on all your balances if you are more than 60 days late in making a required minimum payment. The amount of an APR increase may be based on how you have handled your account with card company and current and historical information regarding your credit in general. These increases will be subject to the requirements of applicable law.
Universal Default Clause : No
Minimum Credit Limit : N/A
Maximum Credit Limit : N/A

	Purchase	Balance Transfer	Cash Advance
Margin	13.74%	13.74%	21.99%
Standard APR	16.99% V	16.99% V	25.24% V
Standard APR Floor	None	None	None
Introductory Rate	0%	None	N/A
Introductory Period	6 billing cycles	None	N/A

Rebate Description: N/A
**Special Notes: Penalty Rate APR: up to 29.99% variable, the APR for Penalty Rates may vary and will be the Index plus a Margin of up to 26.74%. Grace Period for repayment of your balance for purchases is not less than 21 days from the closing date of the billing cycle provided you have paid your previous New Balance in full by the due date. APRs are not guaranteed, they may change to higher APRs; in addition, card company may change whether your rates will be variable or fixed.

First National Bank of Omaha Platinum Edition® Visa® Card

PO Box 2490, Omaha, NE 68103-2490

Card issued by : First National Bank of Omaha
General Correspondence Address : PO Box 2490, Omaha, NE 68103-2490
Card Type : Visa
Card Class : Platinum
Card Category : Low Intro Rate
Finance Calculation Method : Average Daily Balance
Purchase Grace Period : 21 days
Annual Fee : $0.00
Balance Transfer Fee : 4% ($10.00)
Cash Advance Fee : 5% ($15.00)
Over-the-Limit Fee : $0.00
Late Payment Fee : $35.00 - $39.00
Foreign Currency Fee : 3%
States Available in : ALL
Penalty/Default APR : 29.99% V
Penalty/Default Margin : 26.74%
Penalty/Default APR Floor :
Maximum Penalty/Default APR : 29.99%
Maximum Default APR : 29.99%
Penalty/Default Trigger : Card company may increase Annual Percentage Rates on your future balances if you: fail to make a minimum payment when due; or you make a payment that is dishonored for any reason. Card company may also increase the Annual Percentage Rates on all your balances if you are more than 60 days late in making a required minimum payment. The amount of an APR increase may be based on how you have handled your account with card company and current and historical information regarding your credit in general. These increases will be subject to the requirements of applicable law.
Universal Default Clause : No
Minimum Credit Limit : N/A
Maximum Credit Limit : N/A

	Purchase	Balance Transfer	Cash Advance
Margin	6.74%	6.74%	21.99%
Standard APR	9.99% V	9.99% V	25.24% V
Standard APR Floor	None	None	None
Introductory Rate	0%	None	N/A
Introductory Period	6 billing cycles	None	N/A

Rebate Description: N/A
**Special Notes: The APR for Penalty Rates may vary and will be the Index plus a Margin of up to 26.74%. Grace Period for repayment of your balance for purchases is not less than 21 days from the closing date of the billing cycle provided you have paid your previous New Balance in full by the due date. APRs are not guaranteed, they may change to higher APRs; in addition, card company may change whether your rates will be variable or fixed.

First National Bank of Omaha Platinum Edition® Visa® Card

PO Box 2490, Omaha, NE 68103-2490

Card issued by : First National Bank of Omaha
General Correspondence Address : PO Box 2490, Omaha, NE 68103-2490
Card Type : Visa
Card Class : Platinum
Card Category : Low Intro Rate
Finance Calculation Method : Average Daily Balance
Purchase Grace Period : 21 days
Annual Fee : $0.00
Balance Transfer Fee : 4% ($10.00)
Cash Advance Fee : 5% ($15.00)
Over-the-Limit Fee : $0.00
Late Payment Fee : $35.00 - $39.00
Foreign Currency Fee : 3%
States Available in : ALL
Penalty/Default APR : 29.99% V
Penalty/Default Margin : 26.74%
Penalty/Default APR Floor :
Maximum Penalty/Default APR : 29.99%
Maximum Default APR : 29.99%
Penalty/Default Trigger : Card company may increase Annual Percentage Rates on your future balances if you: fail to make a minimum payment when due; or you make a payment that is dishonored for any reason. Card company may also increase the Annual Percentage Rates on all your balances if you are more than 60 days late in making a required minimum payment. The amount of an APR increase may be based on how you have handled your account with card company and current and historical information regarding your credit in general. These increases will be subject to the requirements of applicable law.
Universal Default Clause : No
Minimum Credit Limit : N/A
Maximum Credit Limit : N/A

	Purchase	Balance Transfer	Cash Advance
Margin	10.74%	10.74%	21.99%
Standard APR	13.99% V	13.99% V	25.24% V
Standard APR Floor	None	None	None
Introductory Rate	0%	None	N/A
Introductory Period	6 billing cycles	None	N/A

Rebate Description: N/A
**Special Notes: The APR for Penalty Rates may vary and will be the Index plus a Margin of up to 26.74%. Grace Period for repayment of your balance for purchases is not less than 21 days from the closing date of the billing cycle provided you have paid your previous New Balance in full by the due date. APRs are not guaranteed, they may change to higher APRs; in addition, card company may change whether your rates will be variable or fixed.

First National Bank of Omaha Platinum Edition® Visa® Card

PO Box 2490, Omaha, NE 68103-2490

Card issued by : First National Bank of Omaha
General Correspondence Address : PO Box 2490, Omaha, NE 68103-2490
Card Type : Visa
Card Class : Platinum
Card Category : Low Intro Rate
Finance Calculation Method : Average Daily Balance
Purchase Grace Period : 21 days
Annual Fee : $0.00
Balance Transfer Fee : 4% ($10.00)
Cash Advance Fee : 5% ($15.00)
Over-the-Limit Fee : $0.00
Late Payment Fee : $35.00 - $39.00
Foreign Currency Fee : 3%
States Available in : ALL
Penalty/Default APR : 29.99% V
Penalty/Default Margin : 26.74%
Penalty/Default APR Floor :
Maximum Penalty/Default APR : 29.99%
Maximum Default APR : 29.99%
Penalty/Default Trigger : Card company may increase Annual Percentage Rates on your future balances if you: fail to make a minimum payment when due; or you make a payment that is dishonored for any reason. Card company may also increase the Annual Percentage Rates on all your balances if you are more than 60 days late in making a required minimum payment. The amount of an APR increase may be based on how you have handled your account with card company and current and historical information regarding your credit in general. These increases will be subject to the requirements of applicable law.
Universal Default Clause : No
Minimum Credit Limit : N/A
Maximum Credit Limit : N/A

	Purchase	Balance Transfer	Cash Advance
Margin	13.74%	13.74%	21.99%
Standard APR	16.99% V	16.99% V	25.24% V
Standard APR Floor	None	None	None
Introductory Rate	0%	None	N/A
Introductory Period	6 billing cycles	None	N/A

Rebate Description: N/A
**Special Notes: The APR for Penalty Rates may vary and will be the Index plus a Margin of up to 26.74%. Grace Period for repayment of your balance for purchases is not less than 21 days from the closing date of the billing cycle provided you have paid your previous New Balance in full by the due date. APRs are not guaranteed, they may change to higher APRs; in addition, card company may change whether your rates will be variable or fixed.

First National Bank of Omaha Visa Signature Card with Maximum Rewards

PO Box 2490, Omaha, NE 68103-2490

Card issued by : First National Bank of Omaha for Astoria Federal Savings
General Correspondence Address : PO Box 2490, Omaha, NE 68103-2490
Card Type : Visa
Card Class : Signature
Card Category : Rewards
Finance Calculation Method : Average Daily Balance
Purchase Grace Period : 21 days
Annual Fee : $0.00
Balance Transfer Fee : 4% ($10.00)
Cash Advance Fee : 5% ($15.00)
Over-the-Limit Fee : $0.00
Late Payment Fee : $35.00 - $39.00
Foreign Currency Fee : 3%
States Available in : ALL
Penalty/Default APR : 29.99% V
Penalty/Default Margin : 26.74%
Penalty/Default APR Floor :
Maximum Penalty/Default APR : 29.99%
Maximum Default APR : 29.99%
Penalty/Default Trigger : Card company may increase Annual Percentage Rates on your future balances if you: fail to make a minimum payment when due; or you make a payment that is dishonored for any reason. Card company may also increase the Annual Percentage Rates on all your balances if you are more than 60 days late in making a required minimum payment. The amount of an APR increase may be based on how you have handled your account with card company and current and historical information regarding your credit in general. These increases will be subject to the requirements of applicable law.
Universal Default Clause : No
Minimum Credit Limit : N/A
Maximum Credit Limit : No Preset Spending Limit

	Purchase	Balance Transfer	Cash Advance
Margin	10.74%	10.74%	21.99%
Standard APR	13.99% V	13.99% V	25.24% V
Standard APR Floor	None	None	None
Introductory Rate	None	None	N/A
Introductory Period	None	None	N/A

Rebate Description: Program members will earn 1 point for every $1 of qualifying credit card transaction, and card company reserves the right to determine which qualifying transactions are eligible for bonus point treatment. 5,000 bonus points when you make your first qualifying purchase, balance transfer or cash advance within the first three billing cycles after your account is opened. Choice of rewards includes gift cards, merchandise or travel on any major airline.
**Special Notes: Penalty Rate APR: up to 29.99% variable, the APR for Penalty Rates may vary and will be the Index plus a Margin of up to 26.74%. 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.

First National Bank of Omaha Visa Signature Card with Maximum Rewards

PO Box 2490, Omaha, NE 68103-2490

Card issued by : First National Bank of Omaha
General Correspondence Address : PO Box 2490, Omaha, NE 68103-2490
Card Type : Visa
Card Class : Signature
Card Category : Rewards
Finance Calculation Method : Average Daily Balance
Purchase Grace Period : 21 days
Annual Fee : $0.00
Balance Transfer Fee : 4% ($10.00)
Cash Advance Fee : 5% ($15.00)
Over-the-Limit Fee : $0.00
Late Payment Fee : $35.00 - $39.00
Foreign Currency Fee : 3%
States Available in : ALL
Penalty/Default APR : 29.99% V
Penalty/Default Margin : 26.74%
Penalty/Default APR Floor :
Maximum Penalty/Default APR : 29.99%
Maximum Default APR : 29.99%
Penalty/Default Trigger : Card company may increase Annual Percentage Rates on your future balances if you: fail to make a minimum payment when due; or you make a payment that is dishonored for any reason. Card company may also increase the Annual Percentage Rates on all your balances if you are more than 60 days late in making a required minimum payment. The amount of an APR increase may be based on how you have handled your account with card company and current and historical information regarding your credit in general. These increases will be subject to the requirements of applicable law.
Universal Default Clause : No
Minimum Credit Limit : N/A
Maximum Credit Limit : No Preset Spending Limit

	Purchase	Balance Transfer	Cash Advance
Margin	13.74%	13.74%	21.99%
Standard APR	16.99% V	16.99% V	25.24% V
Standard APR Floor	None	None	None
Introductory Rate	None	None	N/A
Introductory Period	None	None	N/A

Rebate Description: Program members will earn 1 point for every $1 of qualifying credit card transaction, and card company reserves the right to determine which qualifying transactions are eligible for bonus point treatment. 5,000 bonus points when you make your first qualifying purchase, balance transfer or cash advance within the first three billing cycles after your account is opened. Choice of rewards includes gift cards, merchandise or travel on any major airline.
**Special Notes: Penalty Rate APR: up to 29.99% variable, the APR for Penalty Rates may vary and will be the Index plus a Margin of up to 26.74%. 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.

First National Bank of Omaha Visa Signature Card with Maximum Rewards

PO Box 2490, Omaha, NE 68103-2490

Card issued by : First National Bank of Omaha
General Correspondence Address : PO Box 2490, Omaha, NE 68103-2490
Card Type : Visa
Card Class : Signature
Card Category : Rewards
Finance Calculation Method : Average Daily Balance
Purchase Grace Period : 21 days
Annual Fee : $0.00
Balance Transfer Fee : 4% ($10.00)
Cash Advance Fee : 5% ($15.00)
Over-the-Limit Fee : $0.00
Late Payment Fee : $35.00 - $39.00
Foreign Currency Fee : 3%
States Available in : ALL
Penalty/Default APR : 29.99% V
Penalty/Default Margin : 26.74%
Penalty/Default APR Floor :
Maximum Penalty/Default APR : 29.99%
Maximum Default APR : 29.99%
Penalty/Default Trigger : Card company may increase Annual Percentage Rates on your future balances if you: fail to make a minimum payment when due; or you make a payment that is dishonored for any reason. Card company may also increase the Annual Percentage Rates on all your balances if you are more than 60 days late in making a required minimum payment. The amount of an APR increase may be based on how you have handled your account with card company and current and historical information regarding your credit in general. These increases will be subject to the requirements of applicable law.
Universal Default Clause : No
Minimum Credit Limit : N/A
Maximum Credit Limit : No Preset Spending Limit

	Purchase	Balance Transfer	Cash Advance
Margin	16.74%	16.74%	21.99%
Standard APR	19.99% V	19.99% V	25.24% V
Standard APR Floor	None	None	None
Introductory Rate	None	None	N/A
Introductory Period	None	None	N/A

Rebate Description: Program members will earn 1 point for every $1 of qualifying credit card transaction, and card company reserves the right to determine which qualifying transactions are eligible for bonus point treatment. 5,000 bonus points when you make your first qualifying purchase, balance transfer or cash advance within the first three billing cycles after your account is opened. Choice of rewards includes gift cards, merchandise or travel on any major airline.
**Special Notes: Penalty Rate APR: up to 29.99% variable, the APR for Penalty Rates may vary and will be the Index plus a Margin of up to 26.74%. 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.

First National Bank of Omaha Visa Signature® with Maximum Rewards℠

PO Box 2490, Omaha, NE 68103-2490

Card issued by : First National Bank of Omaha
General Correspondence Address : PO Box 2490, Omaha, NE 68103-2490
Card Type : Visa
Card Class : Signature
Card Category : Rewards
Finance Calculation Method : Average Daily Balance
Purchase Grace Period : 21 days
Annual Fee : $0.00
Balance Transfer Fee : 4% ($10.00)
Cash Advance Fee : 5% ($15.00)
Over-the-Limit Fee : $0.00
Late Payment Fee : $35.00 - $39.00
Foreign Currency Fee : 3%
States Available in : ALL
Penalty/Default APR : 29.99% V
Penalty/Default Margin : 26.74%
Penalty/Default APR Floor :
Maximum Penalty/Default APR : 29.99%
Maximum Default APR : 29.99%
Penalty/Default Trigger : Card company may increase Annual Percentage Rates on your future balances if you: fail to make a minimum payment when due; or you make a payment that is dishonored for any reason. Card company may also increase the Annual Percentage Rates on all your balances if you are more than 60 days late in making a required minimum payment. The amount of an APR increase may be based on how you have handled your account with card company and current and historical information regarding your credit in general. These increases will be subject to the requirements of applicable law.
Universal Default Clause : No
Minimum Credit Limit : N/A
Maximum Credit Limit : No Preset Spending Limit

	Purchase	Balance Transfer	Cash Advance
Margin	10.74%	10.74%	21.99%
Standard APR	13.99% V	13.99% V	25.24% V
Standard APR Floor	None	None	None
Introductory Rate	None	None	N/A
Introductory Period	None	None	N/A

Rebate Description: 5,000 bonus points when you make your first qualifying purchase, balance transfer or cash advance within the first three billing cycles after your account is opened. Earn 1 point for every $1 in qualifying purchases. Redeem for: gift cards, merchandise or travel on any major airline. Also explore exclusive Visa Signature benefits and concierge services.
**Special Notes: 21 day Grace Period for Purchases provided you have paid your previous Balance in full by the Payment Due Date. Late Fee of $35 if your New Balance is less than $500; or $39 if your New Balance is equal to or greater than $500. Terms of your account, including APRs, are subject to change. APRs are not guaranteed, they may change to higher APRs; in addition, card company may change whether your rates will be variable or fixed. 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 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. You are encouraged to provide notice of forthcoming unusual activity, such as high transaction amounts, high velocity, or changes in geographic patterns.

First National Bank of Omaha Visa Signature® with Maximum Rewards℠

PO Box 2490, Omaha, NE 68103-2490

Card issued by : First National Bank of Omaha
General Correspondence Address : PO Box 2490, Omaha, NE 68103-2490
Card Type : Visa
Card Class : Signature
Card Category : Rewards
Finance Calculation Method : Average Daily Balance
Purchase Grace Period : 21 days
Annual Fee : $0.00
Balance Transfer Fee : 4% ($10.00)
Cash Advance Fee : 5% ($15.00)
Over-the-Limit Fee : $0.00
Late Payment Fee : $35.00 - $39.00
Foreign Currency Fee : 3%
States Available in : ALL
Penalty/Default APR : 29.99% V
Penalty/Default Margin : 26.74%
Penalty/Default APR Floor :
Maximum Penalty/Default APR : 29.99%
Maximum Default APR : 29.99%
Penalty/Default Trigger : Card company may increase Annual Percentage Rates on your future balances if you: fail to make a minimum payment when due; or you make a payment that is dishonored for any reason. Card company may also increase the Annual Percentage Rates on all your balances if you are more than 60 days late in making a required minimum payment. The amount of an APR increase may be based on how you have handled your account with card company and current and historical information regarding your credit in general. These increases will be subject to the requirements of applicable law.
Universal Default Clause : No
Minimum Credit Limit : N/A
Maximum Credit Limit : No Preset Spending Limit

	Purchase	Balance Transfer	Cash Advance
Margin	13.74%	13.74%	21.99%
Standard APR	16.99% V	16.99% V	25.24% V
Standard APR Floor	None	None	None
Introductory Rate	None	None	N/A
Introductory Period	None	None	N/A

Rebate Description: 5,000 bonus points when you make your first qualifying purchase, balance transfer or cash advance within the first three billing cycles after your account is opened. Earn 1 point for every $1 in qualifying purchases. Redeem for: gift cards, merchandise or travel on any major airline. Also explore exclusive Visa Signature benefits and concierge services.
**Special Notes: 21 day Grace Period for Purchases provided you have paid your previous Balance in full by the Payment Due Date. Late Fee of $35 if your New Balance is less than $500; or $39 if your New Balance is equal to or greater than $500. Terms of your account, including APRs, are subject to change. APRs are not guaranteed, they may change to higher APRs; in addition, card company may change whether your rates will be variable or fixed. 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 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. You are encouraged to provide notice of forthcoming unusual activity, such as high transaction amounts, high velocity, or changes in geographic patterns.

First National Bank of Omaha Visa Signature® with Maximum Rewards℠

PO Box 2490, Omaha, NE 68103-2490

Card issued by : First National Bank of Omaha
General Correspondence Address : PO Box 2490, Omaha, NE 68103-2490
Card Type : Visa
Card Class : Signature
Card Category : Rewards
Finance Calculation Method : Average Daily Balance
Purchase Grace Period : 21 days
Annual Fee : $0.00
Balance Transfer Fee : 4% ($10.00)
Cash Advance Fee : 5% ($15.00)
Over-the-Limit Fee : $0.00
Late Payment Fee : $35.00 - $39.00
Foreign Currency Fee : 3%
States Available in : ALL
Penalty/Default APR : 29.99% V
Penalty/Default Margin : 26.74%
Penalty/Default APR Floor :
Maximum Penalty/Default APR : 29.99%
Maximum Default APR : 29.99%
Penalty/Default Trigger : Card company may increase Annual Percentage Rates on your future balances if you: fail to make a minimum payment when due; or you make a payment that is dishonored for any reason. Card company may also increase the Annual Percentage Rates on all your balances if you are more than 60 days late in making a required minimum payment. The amount of an APR increase may be based on how you have handled your account with card company and current and historical information regarding your credit in general. These increases will be subject to the requirements of applicable law.
Universal Default Clause : No
Minimum Credit Limit : N/A
Maximum Credit Limit : No Preset Spending Limit

	Purchase	Balance Transfer	Cash Advance
Margin	16.74%	16.74%	21.99%
Standard APR	19.99% V	19.99% V	25.24% V
Standard APR Floor	None	None	None
Introductory Rate	None	None	N/A
Introductory Period	None	None	N/A

Rebate Description: 5,000 bonus points when you make your first qualifying purchase, balance transfer or cash advance within the first three billing cycles after your account is opened. Earn 1 point for every $1 in qualifying purchases. Redeem for: gift cards, merchandise or travel on any major airline. Also explore exclusive Visa Signature benefits and concierge services.
**Special Notes: 21 day Grace Period for Purchases provided you have paid your previous Balance in full by the Payment Due Date. Late Fee of $35 if your New Balance is less than $500; or $39 if your New Balance is equal to or greater than $500. Terms of your account, including APRs, are subject to change. APRs are not guaranteed, they may change to higher APRs; in addition, card company may change whether your rates will be variable or fixed. 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 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. You are encouraged to provide notice of forthcoming unusual activity, such as high transaction amounts, high velocity, or changes in geographic patterns.

First National Bank Platinum Edition® Visa® Card

PO Box 2490, Omaha, NE 68103-2490

Card issued by : First National Bank of Omaha
General Correspondence Address : PO Box 2490, Omaha, NE 68103-2490
Card Type : Visa
Card Class : Platinum
Card Category : Low Intro Rate
Finance Calculation Method : Average Daily Balance
Purchase Grace Period : 21 days
Annual Fee : $0.00
Balance Transfer Fee : 4% ($10.00)
Cash Advance Fee : 5% ($15.00)
Over-the-Limit Fee : $0.00
Late Payment Fee : $35.00 - $39.00
Foreign Currency Fee : 3%
States Available in : ALL
Penalty/Default APR : 29.99% V
Penalty/Default Margin : 26.74%
Penalty/Default APR Floor :
Maximum Penalty/Default APR : 29.99%
Maximum Default APR : 29.99%
Penalty/Default Trigger : Card company may increase Annual Percentage Rates on your future balances if you: fail to make a minimum payment when due; you exceed your credit limit; or you make a payment that is dishonored for any reason. Card company may also increase the Annual Percentage Rates on all your balances if you are more than 60 days late in making a required minimum payment. The amount of an APR increase may be based on how you have handled your account with card company and current and historical information regarding your credit in general. These increases will be subject to the requirements of applicable law.
Universal Default Clause : No
Minimum Credit Limit : N/A
Maximum Credit Limit : N/A

	Purchase	Balance Transfer	Cash Advance
Margin	6.74%	6.74%	21.99%
Standard APR	9.99% V	9.99% V	25.24% V
Standard APR Floor	None	None	None
Introductory Rate	0%	None	N/A
Introductory Period	6 billing cycles	None	N/A

Rebate Description: N/A
**Special Notes: Penalty Rate APR: up to 29.99% variable, the APR for Penalty Rates may vary and will be the Index plus a Margin of up to 26.74%. Grace Period for repayment of your balance for purchases is not less than 21 days from the closing date of the billing cycle provided you have paid your previous New Balance in full by the due date. APRs are not guaranteed, they may change to higher APRs; in addition, card company may change whether your rates will be variable or fixed.

First National Bank Platinum Edition® Visa® Card

PO Box 2490, Omaha, NE 68103-2490

Card issued by : First National Bank of Omaha
General Correspondence Address : PO Box 2490, Omaha, NE 68103-2490
Card Type : Visa
Card Class : Platinum
Card Category : Low Intro Rate
Finance Calculation Method : Average Daily Balance
Purchase Grace Period : 21 days
Annual Fee : $0.00
Balance Transfer Fee : 4% ($10.00)
Cash Advance Fee : 5% ($15.00)
Over-the-Limit Fee : $0.00
Late Payment Fee : $35.00 - $39.00
Foreign Currency Fee : 3%
States Available in : ALL
Penalty/Default APR : 29.99% V
Penalty/Default Margin : 26.74%
Penalty/Default APR Floor :
Maximum Penalty/Default APR : 29.99%
Maximum Default APR : 29.99%
Penalty/Default Trigger : Card company may increase Annual Percentage Rates on your future balances if you: fail to make a minimum payment when due; you exceed your credit limit; or you make a payment that is dishonored for any reason. Card company may also increase the Annual Percentage Rates on all your balances if you are more than 60 days late in making a required minimum payment. The amount of an APR increase may be based on how you have handled your account with card company and current and historical information regarding your credit in general. These increases will be subject to the requirements of applicable law.
Universal Default Clause : No
Minimum Credit Limit : N/A
Maximum Credit Limit : N/A

	Purchase	Balance Transfer	Cash Advance
Margin	10.74%	10.74%	21.99%
Standard APR	13.99% V	13.99% V	25.24% V
Standard APR Floor	None	None	None
Introductory Rate	0%	None	N/A
Introductory Period	6 billing cycles	None	N/A

Rebate Description: N/A
**Special Notes: Penalty Rate APR: up to 29.99% variable, the APR for Penalty Rates may vary and will be the Index plus a Margin of up to 26.74%. Grace Period for repayment of your balance for purchases is not less than 21 days from the closing date of the billing cycle provided you have paid your previous New Balance in full by the due date. APRs are not guaranteed, they may change to higher APRs; in addition, card company may change whether your rates will be variable or fixed.

First National Bank Platinum Edition® Visa® Card

PO Box 2490, Omaha, NE 68103-2490

Card issued by : First National Bank of Omaha
General Correspondence Address : PO Box 2490, Omaha, NE 68103-2490
Card Type : Visa
Card Class : Platinum
Card Category : Low Intro Rate
Finance Calculation Method : Average Daily Balance
Purchase Grace Period : 21 days
Annual Fee : $0.00
Balance Transfer Fee : 4% ($10.00)
Cash Advance Fee : 5% ($15.00)
Over-the-Limit Fee : $0.00
Late Payment Fee : $35.00 - $39.00
Foreign Currency Fee : 3%
States Available in : ALL
Penalty/Default APR : 29.99% V
Penalty/Default Margin : 26.74%
Penalty/Default APR Floor :
Maximum Penalty/Default APR : 29.99%
Maximum Default APR : 29.99%
Penalty/Default Trigger : Card company may increase Annual Percentage Rates on your future balances if you: fail to make a minimum payment when due; you exceed your credit limit; or you make a payment that is dishonored for any reason. Card company may also increase the Annual Percentage Rates on all your balances if you are more than 60 days late in making a required minimum payment. The amount of an APR increase may be based on how you have handled your account with card company and current and historical information regarding your credit in general. These increases will be subject to the requirements of applicable law.
Universal Default Clause : No
Minimum Credit Limit : N/A
Maximum Credit Limit : N/A

	Purchase	Balance Transfer	Cash Advance
Margin	13.74%	13.74%	21.99%
Standard APR	16.99% V	16.99% V	25.24% V
Standard APR Floor	None	None	None
Introductory Rate	0%	None	N/A
Introductory Period	6 billing cycles	None	N/A

Rebate Description: N/A
**Special Notes: Penalty Rate APR: up to 29.99% variable, the APR for Penalty Rates may vary and will be the Index plus a Margin of up to 26.74%. Grace Period for repayment of your balance for purchases is not less than 21 days from the closing date of the billing cycle provided you have paid your previous New Balance in full by the due date. APRs are not guaranteed, they may change to higher APRs; in addition, card company may change whether your rates will be variable or fixed.

First Niagra Mastercard® Card

One Hudson City Centre, PO Box 76, Hudson, NY 12534

Card issued by : First Niagra Bank, NA
General Correspondence Address : One Hudson City Centre, PO Box 76, Hudson, NY 12534
Card Type : MasterCard
Card Class : Classic/Standard
Card Category : Low Intro Rate
Finance Calculation Method : Average Daily Balance
Purchase Grace Period : 25 days
Annual Fee : $0.00
Balance Transfer Fee : 3% ($10.00)
Cash Advance Fee : 3% ($10.00)
Over-the-Limit Fee : $0.00
Late Payment Fee : $25.00
Foreign Currency Fee : 0%
States Available in : ALL
Penalty/Default APR : 0% U
Penalty/Default Margin : 0%
Penalty/Default APR Floor :
Maximum Penalty/Default APR : 0%
Maximum Default APR : 0%
Penalty/Default Trigger : Unknown
Universal Default Clause : No
Minimum Credit Limit : N/A
Maximum Credit Limit : N/A

	Purchase	Balance Transfer	Cash Advance
Margin	10.99%	10.99%	10.99%
Standard APR	14.24% V	14.24% V	14.24% V
Standard APR Floor	None	None	None
Introductory Rate	0%	0%	N/A
Introductory Period	6 months	6 months	N/A

Rebate Description: N/A
**Special Notes: Your due date is at least 25 days after the close of each billing cycle. The card company will not charge you any interest on purchases if you pay your entire balance by the due date each month.

First Niagra Rewards Mastercard®

One Hudson City Centre, PO Box 76, Hudson, NY 12534

Card issued by : First Niagra Bank, NA
General Correspondence Address : One Hudson City Centre, PO Box 76, Hudson, NY 12534
Card Type : MasterCard
Card Class : Classic/Standard
Card Category : Balance Transfer
Finance Calculation Method : Average Daily Balance
Purchase Grace Period : 25 days
Annual Fee : $0.00
Balance Transfer Fee : 3% ($10.00)
Cash Advance Fee : 3% ($10.00)
Over-the-Limit Fee : $0.00
Late Payment Fee : $25.00
Foreign Currency Fee : 0%
States Available in : ALL
Penalty/Default APR : 0% U
Penalty/Default Margin : 0%
Penalty/Default APR Floor :
Maximum Penalty/Default APR : 0%
Maximum Default APR : 0%
Penalty/Default Trigger : Unknown
Universal Default Clause : No
Minimum Credit Limit : N/A
Maximum Credit Limit : N/A

	Purchase	Balance Transfer	Cash Advance
Margin	11.99%	11.99%	11.99%
Standard APR	15.24% V	15.24% V	15.24% V
Standard APR Floor	None	None	None
Introductory Rate	None	None	N/A
Introductory Period	None	None	N/A

Rebate Description: Earn one reward point for each $1 you spend in net purchases. You can redeem points for a variety of rewards at several levels, including: travel, merchandise, and gift cards.
**Special Notes: Your due date is at least 25 days after the close of each billing cycle. The card company will not charge you any interest on purchases if you pay your entire balance by the due date each month.

First PREMIER Bank Secured MasterCard

PO Box 5524, Sioux Falls, SD 57117-5524

Card issued by : First PREMIER Bank
General Correspondence Address : PO Box 5524, Sioux Falls, SD 57117-5524
Card Type : MasterCard
Card Class : Secured
Card Category : Student
Finance Calculation Method : Average Daily Balance
Purchase Grace Period : 25 days
Annual Fee : $50.00
Balance Transfer Fee : N/A (N/A)
Cash Advance Fee : 3% ($5.00)
Over-the-Limit Fee : Unknown
Late Payment Fee : $29.00 - $35.00
Foreign Currency Fee : 3%
States Available in : ALL
Penalty/Default APR : N/A N
Penalty/Default Margin : N/A
Penalty/Default APR Floor :
Maximum Penalty/Default APR : N/A
Maximum Default APR : N/A
Penalty/Default Trigger : Unknown
Universal Default Clause : No
Minimum Credit Limit : $200.00
Maximum Credit Limit : $5,000.00

	Purchase	Balance Transfer	Cash Advance
Margin	N/A	N/A	N/A
Standard APR	19.9% F	None N	19.9% F
Standard APR Floor	None	None	N/A
Introductory Rate	None	None	N/A
Introductory Period	None	None	N/A

Rebate Description: N/A
**Special Notes: 25 day grace period for purchases provided you have paid your previous balance in full by the payment due date. Credit limit will be equal to the initial deposit ($200 min and $5,000 max). Credit Limit Increase Fee: each time your account is eligible and approved for an unsecured credit limit increase, a fee in the amount of 50% of the amount of the credit limit increase will be assessed to your account. Internet access fee: $3.95. Bank can apply funds from security deposit to payment in satisfaction of amounts owed. Fee for transactions in foreign currencies will not be assessed to foreign transactions made in the first 12 months your credit account is open. Cash advance fees will not be assessed to cash advances taken in the first 12 months your credit account is open. Your initial Cash Advance limit will be 10% of your assigned credit limit. Fee of $3 per month on closed accounts with an outstanding balance of $20 or more. Credit card available in all states except Wisconsin.

Firstrust Bank Maximum Rewards℠ Platinum Edition® Visa®

15 East Ridge Pike, Conshohocken, PA 19428

Card issued by : First Bankcard, a division of First National Bank of Omaha, for Firstrust Bank
General Correspondence Address : 15 East Ridge Pike, Conshohocken, PA 19428
Card Type : Visa
Card Class : Platinum
Card Category : Rewards
Finance Calculation Method : Average Daily Balance
Purchase Grace Period : 21 days
Annual Fee : $0.00
Balance Transfer Fee : 4% ($10.00)
Cash Advance Fee : 5% ($15.00)
Over-the-Limit Fee : $0.00
Late Payment Fee : $35.00 - $39.00
Foreign Currency Fee : 3%
States Available in : ALL
Penalty/Default APR : 29.99% V
Penalty/Default Margin : 26.74%
Penalty/Default APR Floor :
Maximum Penalty/Default APR : 29.99%
Maximum Default APR : 29.99%
Penalty/Default Trigger : Card company may increase Annual Percentage Rates on your future balances if you: fail to make a minimum payment when due; or you make a payment that is dishonored for any reason. Card company may also increase the Annual Percentage Rates on all your balances if you are more than 60 days late in making a required minimum payment. The amount of an APR increase may be based on how you have handled your account with card company and current and historical information regarding your credit in general. These increases will be subject to the requirements of applicable law.
Universal Default Clause : No
Minimum Credit Limit : N/A
Maximum Credit Limit : N/A

	Purchase	Balance Transfer	Cash Advance
Margin	10.74%	10.74%	21.99%
Standard APR	13.99% V	13.99% V	25.24% V
Standard APR Floor	None	None	None
Introductory Rate	None	None	N/A
Introductory Period	None	None	N/A

Rebate Description: 1.5 points for every $1 in qualifying purchases. No limit to the number of points that you can earn. Redeem points for a variety of rewards: gift cards, name brand merchandise, hotel stays, travel on any major airline and cash back in the form of a credit to your account.
**Special Notes: Penalty Rate APR: up to 29.99% variable, the APR for Penalty Rates may vary and will be the Index plus a Margin of up to 26.74%. Grace Period for repayment of your balance for purchases is not less than 21 days from the closing date of the billing cycle provided you have paid your previous New Balance in full by the due date. APRs are not guaranteed, they may change to higher APRs; in addition, card company may change whether your rates will be variable or fixed.

Firstrust Bank Maximum Rewards℠ Platinum Edition® Visa®

15 East Ridge Pike, Conshohocken, PA 19428

Card issued by : First Bankcard, a division of First National Bank of Omaha, for Firstrust Bank
General Correspondence Address : 15 East Ridge Pike, Conshohocken, PA 19428
Card Type : Visa
Card Class : Platinum
Card Category : Rewards
Finance Calculation Method : Average Daily Balance
Purchase Grace Period : 21 days
Annual Fee : $0.00
Balance Transfer Fee : 4% ($10.00)
Cash Advance Fee : 5% ($15.00)
Over-the-Limit Fee : $0.00
Late Payment Fee : $35.00 - $39.00
Foreign Currency Fee : 3%
States Available in : ALL
Penalty/Default APR : 29.99% V
Penalty/Default Margin : 26.74%
Penalty/Default APR Floor :
Maximum Penalty/Default APR : 29.99%
Maximum Default APR : 29.99%
Penalty/Default Trigger : Card company may increase Annual Percentage Rates on your future balances if you: fail to make a minimum payment when due; or you make a payment that is dishonored for any reason. Card company may also increase the Annual Percentage Rates on all your balances if you are more than 60 days late in making a required minimum payment. The amount of an APR increase may be based on how you have handled your account with card company and current and historical information regarding your credit in general. These increases will be subject to the requirements of applicable law.
Universal Default Clause : No
Minimum Credit Limit : N/A
Maximum Credit Limit : N/A

	Purchase	Balance Transfer	Cash Advance
Margin	13.74%	13.74%	21.99%
Standard APR	16.99% V	16.99% V	25.24% V
Standard APR Floor	None	None	None
Introductory Rate	None	None	N/A
Introductory Period	None	None	N/A

Rebate Description: 1.5 points for every $1 in qualifying purchases. No limit to the number of points that you can earn. Redeem points for a variety of rewards: gift cards, name brand merchandise, hotel stays, travel on any major airline and cash back in the form of a credit to your account.
**Special Notes: Penalty Rate APR: up to 29.99% variable, the APR for Penalty Rates may vary and will be the Index plus a Margin of up to 26.74%. Grace Period for repayment of your balance for purchases is not less than 21 days from the closing date of the billing cycle provided you have paid your previous New Balance in full by the due date. APRs are not guaranteed, they may change to higher APRs; in addition, card company may change whether your rates will be variable or fixed.

Firstrust Bank Maximum Rewards℠ Platinum Edition® Visa®

15 East Ridge Pike, Conshohocken, PA 19428

Card issued by : First Bankcard, a division of First National Bank of Omaha, for Firstrust Bank
General Correspondence Address : 15 East Ridge Pike, Conshohocken, PA 19428
Card Type : Visa
Card Class : Platinum
Card Category : Rewards
Finance Calculation Method : Average Daily Balance
Purchase Grace Period : 21 days
Annual Fee : $0.00
Balance Transfer Fee : 4% ($10.00)
Cash Advance Fee : 5% ($15.00)
Over-the-Limit Fee : $0.00
Late Payment Fee : $35.00 - $39.00
Foreign Currency Fee : 3%
States Available in : ALL
Penalty/Default APR : 29.99% V
Penalty/Default Margin : 26.74%
Penalty/Default APR Floor :
Maximum Penalty/Default APR : 29.99%
Maximum Default APR : 29.99%
Penalty/Default Trigger : Card company may increase Annual Percentage Rates on your future balances if you: fail to make a minimum payment when due; or you make a payment that is dishonored for any reason. Card company may also increase the Annual Percentage Rates on all your balances if you are more than 60 days late in making a required minimum payment. The amount of an APR increase may be based on how you have handled your account with card company and current and historical information regarding your credit in general. These increases will be subject to the requirements of applicable law.
Universal Default Clause : No
Minimum Credit Limit : N/A
Maximum Credit Limit : N/A

	Purchase	Balance Transfer	Cash Advance
Margin	16.74%	16.74%	21.99%
Standard APR	19.99% V	19.99% V	25.24% V
Standard APR Floor	None	None	None
Introductory Rate	None	None	N/A
Introductory Period	None	None	N/A

Rebate Description: 1.5 points for every $1 in qualifying purchases. No limit to the number of points that you can earn. Redeem points for a variety of rewards: gift cards, name brand merchandise, hotel stays, travel on any major airline and cash back in the form of a credit to your account.
**Special Notes: Penalty Rate APR: up to 29.99% variable, the APR for Penalty Rates may vary and will be the Index plus a Margin of up to 26.74%. Grace Period for repayment of your balance for purchases is not less than 21 days from the closing date of the billing cycle provided you have paid your previous New Balance in full by the due date. APRs are not guaranteed, they may change to higher APRs; in addition, card company may change whether your rates will be variable or fixed.

Firstrust Bank Platinum Edition® Visa® Card

15 East Ridge Pike, Conshohocken, PA 19428

Card issued by : First Bankcard, a division of First National Bank of Omaha, for Firstrust Bank
General Correspondence Address : 15 East Ridge Pike, Conshohocken, PA 19428
Card Type : Visa
Card Class : Platinum
Card Category : Low Intro Rate
Finance Calculation Method : Average Daily Balance
Purchase Grace Period : 21 days
Annual Fee : $0.00
Balance Transfer Fee : 4% ($10.00)
Cash Advance Fee : 5% ($15.00)
Over-the-Limit Fee : $0.00
Late Payment Fee : $35.00 - $39.00
Foreign Currency Fee : 3%
States Available in : ALL
Penalty/Default APR : 29.99% V
Penalty/Default Margin : 26.74%
Penalty/Default APR Floor :
Maximum Penalty/Default APR : 29.99%
Maximum Default APR : 29.99%
Penalty/Default Trigger : Card company may increase Annual Percentage Rates on your future balances if you: fail to make a minimum payment when due; you exceed your credit limit; or you make a payment that is dishonored for any reason. Card company may also increase the Annual Percentage Rates on all your balances if you are more than 60 days late in making a required minimum payment. The amount of an APR increase may be based on how you have handled your account with card company and current and historical information regarding your credit in general. These increases will be subject to the requirements of applicable law.
Universal Default Clause : No
Minimum Credit Limit : N/A
Maximum Credit Limit : N/A

	Purchase	Balance Transfer	Cash Advance
Margin	6.74%	6.74%	21.99%
Standard APR	9.99% V	9.99% V	25.24% V
Standard APR Floor	None	None	None
Introductory Rate	0%	None	N/A
Introductory Period	6 billing cycles	None	N/A

Rebate Description: N/A
**Special Notes: Penalty Rate APR: up to 29.99% variable, the APR for Penalty Rates may vary and will be the Index plus a Margin of up to 26.74%. Grace Period for repayment of your balance for purchases is not less than 21 days from the closing date of the billing cycle provided you have paid your previous New Balance in full by the due date. APRs are not guaranteed, they may change to higher APRs; in addition, card company may change whether your rates will be variable or fixed.

Firstrust Bank Platinum Edition® Visa® Card

15 East Ridge Pike, Conshohocken, PA 19428

Card issued by : First Bankcard, a division of First National Bank of Omaha, for Firstrust Bank
General Correspondence Address : 15 East Ridge Pike, Conshohocken, PA 19428
Card Type : Visa
Card Class : Platinum
Card Category : Low Intro Rate
Finance Calculation Method : Average Daily Balance
Purchase Grace Period : 21 days
Annual Fee : $0.00
Balance Transfer Fee : 4% ($10.00)
Cash Advance Fee : 5% ($15.00)
Over-the-Limit Fee : $0.00
Late Payment Fee : $35.00 - $39.00
Foreign Currency Fee : 3%
States Available in : ALL
Penalty/Default APR : 29.99% V
Penalty/Default Margin : 26.74%
Penalty/Default APR Floor :
Maximum Penalty/Default APR : 29.99%
Maximum Default APR : 29.99%
Penalty/Default Trigger : Card company may increase Annual Percentage Rates on your future balances if you: fail to make a minimum payment when due; you exceed your credit limit; or you make a payment that is dishonored for any reason. Card company may also increase the Annual Percentage Rates on all your balances if you are more than 60 days late in making a required minimum payment. The amount of an APR increase may be based on how you have handled your account with card company and current and historical information regarding your credit in general. These increases will be subject to the requirements of applicable law.
Universal Default Clause : No
Minimum Credit Limit : N/A
Maximum Credit Limit : N/A

	Purchase	Balance Transfer	Cash Advance
Margin	10.74%	10.74%	21.99%
Standard APR	13.99% V	13.99% V	25.24% V
Standard APR Floor	None	None	None
Introductory Rate	0%	None	N/A
Introductory Period	6 billing cycles	None	N/A

Rebate Description: N/A
**Special Notes: Penalty Rate APR: up to 29.99% variable, the APR for Penalty Rates may vary and will be the Index plus a Margin of up to 26.74%. Grace Period for repayment of your balance for purchases is not less than 21 days from the closing date of the billing cycle provided you have paid your previous New Balance in full by the due date. APRs are not guaranteed, they may change to higher APRs; in addition, card company may change whether your rates will be variable or fixed.

Firstrust Bank Platinum Edition® Visa® Card

15 East Ridge Pike, Conshohocken, PA 19428

Card issued by : First Bankcard, a division of First National Bank of Omaha, for Firstrust Bank
General Correspondence Address : 15 East Ridge Pike, Conshohocken, PA 19428
Card Type : Visa
Card Class : Platinum
Card Category : Low Intro Rate
Finance Calculation Method : Average Daily Balance
Purchase Grace Period : 21 days
Annual Fee : $0.00
Balance Transfer Fee : 4% ($10.00)
Cash Advance Fee : 5% ($15.00)
Over-the-Limit Fee : $0.00
Late Payment Fee : $35.00 - $39.00
Foreign Currency Fee : 3%
States Available in : ALL
Penalty/Default APR : 29.99% V
Penalty/Default Margin : 26.74%
Penalty/Default APR Floor :
Maximum Penalty/Default APR : 29.99%
Maximum Default APR : 29.99%
Penalty/Default Trigger : Card company may increase Annual Percentage Rates on your future balances if you: fail to make a minimum payment when due; you exceed your credit limit; or you make a payment that is dishonored for any reason. Card company may also increase the Annual Percentage Rates on all your balances if you are more than 60 days late in making a required minimum payment. The amount of an APR increase may be based on how you have handled your account with card company and current and historical information regarding your credit in general. These increases will be subject to the requirements of applicable law.
Universal Default Clause : No
Minimum Credit Limit : N/A
Maximum Credit Limit : N/A

	Purchase	Balance Transfer	Cash Advance
Margin	13.74%	13.74%	21.99%
Standard APR	16.99% V	16.99% V	25.24% V
Standard APR Floor	None	None	None
Introductory Rate	0%	None	N/A
Introductory Period	6 billing cycles	None	N/A

Rebate Description: N/A
**Special Notes: Penalty Rate APR: up to 29.99% variable, the APR for Penalty Rates may vary and will be the Index plus a Margin of up to 26.74%. Grace Period for repayment of your balance for purchases is not less than 21 days from the closing date of the billing cycle provided you have paid your previous New Balance in full by the due date. APRs are not guaranteed, they may change to higher APRs; in addition, card company may change whether your rates will be variable or fixed.

Firstrust Bank Visa Signature® with Maximum Rewards℠

PO Box 2490, Omaha, NE 68103-2490

Card issued by : First National Bank of Omaha for Astoria Federal Savings
General Correspondence Address : PO Box 2490, Omaha, NE 68103-2490
Card Type : Visa
Card Class : Signature
Card Category : Rewards
Finance Calculation Method : Average Daily Balance
Purchase Grace Period : 21 days
Annual Fee : $0.00
Balance Transfer Fee : 4% ($10.00)
Cash Advance Fee : 5% ($15.00)
Over-the-Limit Fee : $0.00
Late Payment Fee : $35.00 - $39.00
Foreign Currency Fee : 3%
States Available in : ALL
Penalty/Default APR : 29.99% V
Penalty/Default Margin : 26.74%
Penalty/Default APR Floor :
Maximum Penalty/Default APR : 29.99%
Maximum Default APR : 29.99%
Penalty/Default Trigger : Card company may increase Annual Percentage Rates on your future balances if you: fail to make a minimum payment when due; or you make a payment that is dishonored for any reason. Card company may also increase the Annual Percentage Rates on all your balances if you are more than 60 days late in making a required minimum payment. The amount of an APR increase may be based on how you have handled your account with card company and current and historical information regarding your credit in general. These increases will be subject to the requirements of applicable law.
Universal Default Clause : No
Minimum Credit Limit : N/A
Maximum Credit Limit : No Preset Spending Limit

	Purchase	Balance Transfer	Cash Advance
Margin	10.74%	10.74%	21.99%
Standard APR	13.99% V	13.99% V	25.24% V
Standard APR Floor	None	None	None
Introductory Rate	None	None	N/A
Introductory Period	None	None	N/A

Rebate Description: 1.5 points for every $1 in qualifying purchases. No limit to the number of points that you can earn. Redeem points for a variety of rewards: gift cards, name brand merchandise, hotel stays, travel on any major airline and cash back in the form of a credit to your account.
**Special Notes: Penalty Rate APR: up to 29.99% variable, the APR for Penalty Rates may vary and will be the Index plus a Margin of up to 26.74%. 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.

Five Star Bank Visa® Platinum

PO Box 6354, Fargo, ND 58125-6354

Card issued by : Elan Financial Services for Five Star Bank
General Correspondence Address : PO Box 6354, Fargo, ND 58125-6354
Card Type : Visa
Card Class : Platinum
Card Category : Low Intro Rate
Finance Calculation Method : Average Daily Balance
Purchase Grace Period : 24 days
Annual Fee : $0.00
Balance Transfer Fee : 3% ($5.00)
Cash Advance Fee : 4% ($10.00)
Over-the-Limit Fee : $39.00
Late Payment Fee : $19.00 - $39.00
Foreign Currency Fee : 2% - 3%
States Available in : ALL
Penalty/Default APR : 0% U
Penalty/Default Margin : 0%
Penalty/Default APR Floor :
Maximum Penalty/Default APR : 0%
Maximum Default APR : 0%
Penalty/Default Trigger : Unknown
Universal Default Clause : No
Minimum Credit Limit : N/A
Maximum Credit Limit : N/A

	Purchase	Balance Transfer	Cash Advance
Margin	17.74%	17.74%	20.74%
Standard APR	20.99% V	20.99% V	23.99% V
Standard APR Floor	None	None	None
Introductory Rate	0%	0%	N/A
Introductory Period	6 billing cycles	6 billing cycles	N/A

Rebate Description: N/A
**Special Notes: Applicant must be at least 18 years of age, have a US address, Social Security number, and a minimum annual household income of $12,000. Your due date is 24 - 30 days after the close of each billing cycle. You will not be charged interest on Purchases if you pay your entire balance by the due date each month. Overdraft Protection is $10 (not all products offer overdraft protection).

Five Star Bank Visa® Platinum

PO Box 6354, Fargo, ND 58125-6354

Card issued by : Elan Financial Services for Five Star Bank
General Correspondence Address : PO Box 6354, Fargo, ND 58125-6354
Card Type : Visa
Card Class : Platinum
Card Category : Low Intro Rate
Finance Calculation Method : Average Daily Balance
Purchase Grace Period : 24 days
Annual Fee : $0.00
Balance Transfer Fee : 3% ($5.00)
Cash Advance Fee : 4% ($10.00)
Over-the-Limit Fee : $39.00
Late Payment Fee : $19.00 - $39.00
Foreign Currency Fee : 2% - 3%
States Available in : ALL
Penalty/Default APR : 0% U
Penalty/Default Margin : 0%
Penalty/Default APR Floor :
Maximum Penalty/Default APR : 0%
Maximum Default APR : 0%
Penalty/Default Trigger : Unknown
Universal Default Clause : No
Minimum Credit Limit : N/A
Maximum Credit Limit : N/A

	Purchase	Balance Transfer	Cash Advance
Margin	6.74%	6.74%	20.74%
Standard APR	9.99% V	9.99% V	23.99% V
Standard APR Floor	None	None	None
Introductory Rate	0%	0%	N/A
Introductory Period	6 billing cycles	6 billing cycles	N/A

Rebate Description: N/A
**Special Notes: Applicant must be at least 18 years of age, have a US address, Social Security number, and a minimum annual household income of $12,000. Your due date is 24 - 30 days after the close of each billing cycle. You will not be charged interest on Purchases if you pay your entire balance by the due date each month. Overdraft Protection is $10 (not all products offer overdraft protection).

Five Star Bank Visa® Signature

PO Box 6354, Fargo, ND 58125-6354

Card issued by : Elan Financial Services for Five Star Bank
General Correspondence Address : PO Box 6354, Fargo, ND 58125-6354
Card Type : Visa
Card Class : Signature
Card Category : Cash Back
Finance Calculation Method : Average Daily Balance
Purchase Grace Period : 24 days
Annual Fee : $0.00
Balance Transfer Fee : 3% ($5.00)
Cash Advance Fee : 4% ($10.00)
Over-the-Limit Fee : $0.00
Late Payment Fee : $19.00 - $39.00
Foreign Currency Fee : 2% - 3%
States Available in : ALL
Penalty/Default APR : 0% U
Penalty/Default Margin : 0%
Penalty/Default APR Floor :
Maximum Penalty/Default APR : 0%
Maximum Default APR : None
Penalty/Default Trigger : Unknown
Universal Default Clause : No
Minimum Credit Limit : N/A
Maximum Credit Limit : No Preset Spending Limit

	Purchase	Balance Transfer	Cash Advance
Margin	17.74%	17.74%	20.74%
Standard APR	20.99% V	20.99% V	23.99% V
Standard APR Floor	None	None	None
Introductory Rate	0%	0%	N/A
Introductory Period	6 billing cycles	6 billing cycles	N/A

Rebate Description: Earn one point for every net dollar spent. Choose Your Own Rewards: Unlimited 1% cash back; travel on any airline without frequent flyer program restrictions, roundtrip airline ticket at 25,000 points; gift certificates; and merchandise. No Preset Spending Limit and other exclusive Signature privileges.
**Special Notes: The Visa Signature Card "no preset spending limit" means that transactions are authorized by Elan Financial Services based on factors such as account history, credit record, and payment resources. Elan Financial Services will preset an upper limit for revolving balances and cash advances. Should your application for the Signature Card be denied, your application will be considered for a Select Rewards card. You must be at least 18 years of age and have a US address and social security number to apply for an account. Not all products offer overdraft protection. Your due date is 24 - 30 days after the close of each billing cycle. You will not be charged interest on Purchases if you pay your entire balance by the due date each month.

Five Star Bank Visa® Signature

PO Box 6354, Fargo, ND 58125-6354

Card issued by : Elan Financial Services for Five Star Bank
General Correspondence Address : PO Box 6354, Fargo, ND 58125-6354
Card Type : Visa
Card Class : Signature
Card Category : Cash Back
Finance Calculation Method : Average Daily Balance
Purchase Grace Period : 24 days
Annual Fee : $0.00
Balance Transfer Fee : 3% ($5.00)
Cash Advance Fee : 4% ($10.00)
Over-the-Limit Fee : $0.00
Late Payment Fee : $19.00 - $39.00
Foreign Currency Fee : 2% - 3%
States Available in : ALL
Penalty/Default APR : 0% U
Penalty/Default Margin : 0%
Penalty/Default APR Floor :
Maximum Penalty/Default APR : 0%
Maximum Default APR : None
Penalty/Default Trigger : Unknown
Universal Default Clause : No
Minimum Credit Limit : N/A
Maximum Credit Limit : No Preset Spending Limit

	Purchase	Balance Transfer	Cash Advance
Margin	6.74%	6.74%	20.74%
Standard APR	9.99% V	9.99% V	23.99% V
Standard APR Floor	None	None	None
Introductory Rate	0%	0%	N/A
Introductory Period	6 billing cycles	6 billing cycles	N/A

Rebate Description: Earn one point for every net dollar spent. Choose Your Own Rewards: Unlimited 1% cash back; travel on any airline without frequent flyer program restrictions, roundtrip airline ticket at 25,000 points; gift certificates; and merchandise. No Preset Spending Limit and other exclusive Signature privileges.
**Special Notes: The Visa Signature Card "no preset spending limit" means that transactions are authorized by Elan Financial Services based on factors such as account history, credit record, and payment resources. Elan Financial Services will preset an upper limit for revolving balances and cash advances. Should your application for the Signature Card be denied, your application will be considered for a Select Rewards card. You must be at least 18 years of age and have a US address and social security number to apply for an account. Not all products offer overdraft protection. Your due date is 24 - 30 days after the close of each billing cycle. You will not be charged interest on Purchases if you pay your entire balance by the due date each month.