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IMPORTANT INFORMATION

1

The APR for cash advances will vary based on the Prime Rate (25.24%). Minimum

interest charge is $1.75. Cash advance fee is the greater of $15 or 5% of the

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

Foreign Transaction Fee is 3% of each transaction in U.S. dollars. Rates are accurate

as of July 2014.

2

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3

See the Rewards Terms and Conditions in the Summary of Credit Terms for details.

4

The APR for cash advances will vary based on the Prime Rate (25.24%). The APR

for penalty rates will vary based on the Prime Rate (up to 29.99% APR based on your

creditworthiness); penalty rates do not apply to Secured Cards. Minimum interest

charge is $1.75. Cash advance fee is the greater of $15 or 5% of the transaction (the

greater of $15 or 5% for certain “Cash Equivalent Transactions”). Foreign Transaction

Fee is 3% of each transaction in U.S. dollars. There is a $24 annual fee for the

Secured Card. Rates are accurate as of July 2014.

5

Please note that new cardholders will generally see their FICO Score about 2 to 3

months after opening an account.

6

Visa’s Zero Liability policy covers U.S. issued cards only and does not apply to ATM

transactions, PIN transactions not processed by Visa or certain commercial card

transactions. Cardholder must notify issuer promptly of any unauthorized use.

Consult issuer for additional details or visit

www.visa.com/security.

Cards are issued by First Bankcard®, a division of First National Bank of Omaha.

VISA and VISA SIGNATURE are registered trademarks of Visa International Service

Association and used under license.

MasterCard is a registered trademark of MasterCard International Incorporated.

FICO is a registered trademark of Fair Isaac Corporation in the United States and

other countries.

TEAM NATIONAL CREDIT CARDS

In order to keep these rates, you must make payments when

due, stay within your credit limit and not have any payments

dishonored for any reason. Introductory rates do not apply

to cash advances. Introductory rates are not offered on the

Secured Credit Card. For Maximum Rewards® Visa® Card,

the transaction Fee for Balance Transfers is an introductory

3% with a minimum of $10 for the first 12 billing cycles after

the account is open. After that, a Balance transfer fee of 5%

with a minimum of $10, applies to each balance transfer

made. For the Secured Card, a balance transfer fee of 5%

with a minimum of $10, applies to each balance transfer

made. For Business Edition®, the transaction Fee for

Balance Transfers is an introductory 4% with a minimum

of $10 for the first 6 billing cycles after the account is open.

After that, a Balance transfer fee of 5% with a minimum of

$10, applies to each balance transfer made. We reserve the

right to change the account terms should your credit profile

change or for other reasons described in the Summary

of Credit Terms. All changes in terms will be subject to

the requirements of applicable law. Offer applies to new

accounts only. Payments on your account may be applied

in the order we select, subject to applicable law.