We may increase Annual Percentage Rates on your future balances if you: (1) fail to make a minimum payment to us when due; (2) exceed your credit limit with us; or (3) make a payment to us that is dishonored for any reason. We 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 us and current and historical information regarding your credit in general. These increases will be subject to the requirements of applicable law.

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

You understand that the terms of your account, including APRs, are subject to change.  APRs are not guaranteed and they may change to higher APRs.  We may also change whether your rates will be variable or not.  IMPORTANT NOTICE REGARDING CHANGES IN TERMS.  We reserve the right to unilaterally change the rates, fees, costs, and other terms at any time for any reason in addition to APR increases that may occur for failure to comply with the terms of your Account.  All changes in terms will be subject to the requirements of applicable law.

For balance transfers and cash advances, we will begin charging interest on the transaction date.

Payments on your account may be applied in the order we select, subject to applicable law.  Generally, this means that if you make a payment in excess of the required minimum payment, we will apply the excess amount first to your balances with the highest Annual Percentage Rate.  Any remaining portion of that excess amount will be applied to your other balances in descending order based on their applicable Annual Percentage Rates

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

CREDIT REPORTS: By applying for this account you agree that First Bankcard (a division of First National Bank of Omaha) may obtain credit reports for purposes of processing your application and for later purposes related to your account such as reviewing, updating and renewing it, increasing the credit line and collecting. If you request, you will be informed of whether or not a credit report was requested and of the name and address of the consumer reporting agency that furnished the report. You also authorize First Bankcard (a division of First National Bank of Omaha) to verify your employment, income and other relevant information.

NOTICE TO CARDMEMBERS AND AUTHORIZED USERS:  We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report.

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

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

Married applicants may apply for separate Accounts in their own names.
OHIO RESIDENTS: The Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy customers and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law.
NOTICE TO MARRIED WISCONSIN APPLICANTS:No provision of any marital property agreement, unilateral statement or court decree adversely affects our interests and/or rights unless, prior to the time the credit is granted or an open-end credit plan is entered into, we are furnished with a copy of the agreement, statement, or decree, or have actual knowledge of the adverse provision. Married Wisconsin residents applying for credit separately must furnish name and address of their spouse to First Bankcard (a division of First National Bank of Omaha) at P.O. Box 3696, Omaha, NE 68172-9936.
CALIFORNIA RESIDENTS:The applicant, if married, may apply for a separate account. After credit approval, each applicant shall have the right to use this account to the extent of any credit limit set by the creditor and each applicant may be liable for all amounts of credit extended under this account to each joint applicant.
NEW YORK RESIDENTS may contact the New York State Banking Department to obtain a comparative listing of credit card rates, fees and grace periods. New York State Banking Department: 1-877-226-5697.

ARBITRATION NOTICE: You understand that any Cardmember Agreement you receive will contain an arbitration provision that may substantially limit your rights in the event of a dispute, including your right to litigate in court or have a jury trial, discovery and appeal rights, and the right to participate in court or in arbitration as a representative or member of a class action. Please review the Cardmember Agreement and its arbitration provision carefully before you use or allow someone else to use an account.

The information about the costs of the card described in this application is accurate as of the print date of February 2010. This information may have changed after that date. To find out what may have changed, write First Bankcard (a division of First National Bank of Omaha) P.O. Box 3696, Omaha, NE 68172-9936.

Cards are issued by First National Bank of Omaha.

JAL Family Club/Premio MasterCard® Credit Card Rewards Program   
TERMS AND CONDITIONS SUMMARY
Please read these terms and conditions for important information about the JAL Family Club/Premio MasterCard® Credit Card Rewards Program (the “Program”). The JAL Family Club/Premio MasterCard® Credit Card (the “JAL Family Club/Premio Card”) is a MasterCard® credit card marketed by Japan Airlines International and Prestige International USA, Inc. dba Premio, under the issuance of First National Bank of Omaha (collectively, the “Sponsors”). With the exception of the JAL Mileage Bank program which is administered by Japan Airlines International, all other services related to the Program are provided by Prestige International USA, Inc. dba Premio and First National Bank of Omaha. The JAL Family Club/Premio Card is separate and distinct from the "JALCARD".

1. Program members will earn 1 JAL Mileage Bank mile (“JMB Mile”) for each US$1.00 in Qualifying Credit Card Transactions charged on the JAL Family Club/Premio MasterCard® credit card account (the “Account”). “Qualifying Credit Card Transactions” shall mean purchases of goods or services made with the JAL Family Club/Premio Card while the Account is in good standing by any authorized user of the Account, net of any returns or credits. Qualifying Credit Card Transactions do not include cash advances, balance transfers, convenience checks, fees of any kind (including late fees, overlimit fees, annual fees, and finance charges), and other non-purchase transactions, or any Qualifying Credit Card Transactions made at a time when the Account is not in good standing. JMB Miles will be automatically accumulated in the primary cardmember’s account, regardless of which authorized user makes a Qualifying Credit Card Transaction on the Account. As a general rule, JMB Miles will be accumulated approximately two billing cycles after card usage.
2. In addition to the JMB Miles described in paragraph 1 above, the Sponsors may also award you one or more additional bonus JMB Miles, at the Sponsors’ sole discretion, in connection with certain transactions and/or promotions. Bonus JMB Miles for enrollment, if any, will be awarded by the end of the second billing cycle after your first purchase with the card.
3. There is no limit on the number of JMB Miles that may be earned. JMB Miles earned will only be valid until the last day of the 36th month after the date of the applicable Qualifying Credit Card Transaction. If you do not redeem JMB Miles during the applicable redemption period, such JMB Miles will expire. The Sponsors shall not be held liable for or responsible for the expiration of JMB Miles.
4. As long as the Account remains open, your JAL Family Club membership will be renewed automatically and the JAL Family Club annual membership fee (US$30) will be charged automatically to your JAL Family Club/ Premio Card. In the event that the primary cardmember ceases to be a member of JAL Family Club due to membership termination or relocation, please notify Prestige International USA, Inc. dba Premio to have the Account terminated and to avoid additional annual fee(s).
5. Eligibility in the Program is restricted to JAL Family Club/Premio Card cardmembers whose accounts are in good standing (as defined by First National Bank of Omaha from time to time). The primary applicant for a JAL Family Club/Premio Card must be a JAL Family Club Primary Member who resides within the U.S. and has a checking account. Examples of an account not in good standing include, but are not limited to, an overlimit account, a delinquent account, or an account otherwise in violation of the cardmember agreement. If the Account is open and in good standing, Program members may earn and redeem accumulated JMB Miles. If you fail to pay the Account on time or otherwise fail to follow the terms of your cardmember agreement, you will forfeit accumulated JMB Miles.
6. The Program is offered at the Sponsors’ sole discretion. The Sponsors may, from time to time and in their sole discretion, change or limit any aspect of the Program and its rules, restrictions, benefits or features, in whole or in part, including but not limited to suspending or terminating all or part of the Program, with or without prior notice to you. The Sponsors also reserve the right to add any Program membership or other fees or increase such fees, if any.
7. The Sponsors reserve the right to terminate the Program at any time. The Sponsors decisions regarding the Program are final. If the Program is terminated, you will be notified of the date by which you must redeem all accumulated JMB Miles. Closing the Account (by you or by the Sponsors) will result in termination of your enrollment in the Program.
8. Any liability for federal, state, or local income taxes or fees or charges arising from the acquisition or use of JMB Miles or credits is the sole responsibility of the Program members and not the Sponsors.
9. Every effort has been made to ensure that all information in all Program materials is accurate. The Sponsors are not responsible for printing errors or omissions.
10. The terms and conditions regarding obtaining benefits from this Program are the same as those outlined in Japan Airlines International’s current "JAL Mileage Bank" and "JAL Family Club" programs.
11. The Program is void where prohibited by law. Japan Airlines International is solely responsible for the rules and administration of the JAL Mileage Bank program. The Sponsors reserve the right to cancel, modify, restrict, or terminate the Program, or any aspects or features of the Program, including accrual of JMB Miles, at any time without prior notice to Program members. First National Bank of Omaha is not liable for any accident, loss, injury, or damage incurred in connection with a cardmember’s participation in the Program. Program members consent to and authorize the Sponsors along with any parties with whom they contract in order to manage this Program, to share information about the cardmember(s) and the Account as necessary to administer the Program.

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

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