IMPORTANT RATE, FEE AND OTHER COST INFORMATION
(Summary of Credit Terms)
Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases 0.00% introductory APR for the first 6 billing cycles.
After that, your APR will be 15.74% or 18.74%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
APR for Balance Transfers 15.74% or 18.74% when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
APR for Cash Advances
25.99%. This APR will vary with the market based on the Prime Rate.
How to Avoid Paying Interest on Purchases Your due date is at least 20 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month.1
Minimum Interest Charge If you are charged interest, the charge will be no less than $1.75.
 
Fees
Set-up and Maintenance Fees
  • Annual Fee
  • Monthly Fee

  • None
  • None
Transaction Fees
  • Balance Transfer
  • Cash Advance
  • Cash Equivalent
  • Foreign Transaction

  • Either $10 or 5% of the amount of each transfer, whichever is greater
  • Either $15 or 5% of the amount of each cash advance, whichever is greater
  • Either $15 or 5% of the amount of each cash equivalent transaction, whichever is greater
  • None
Penalty Fees
  • Late Payment
  •  
  • Over-the-Credit-Limit
  • Returned Payment (Payment Dishonored)

  • $35 if New Balance is less than $500
  • $39 if New Balance is equal to or greater than $500
  • $39
  • $35

How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)".

Index And When It Is Determined: The Index used to determine your variable APRs is the highest U.S. Prime Rate as published in the "Money Rates" section of The Wall Street Journal during the 90 days immediately preceding the last day of each calendar month (the determination date). The above APRs are based on an Index (Prime Rate) of 4.00% as of the 04/28/2017 determination date. If the Prime Rate is higher or lower on a later determination date, the above APRs may increase or decrease accordingly.

When you become a cardmember, the Index will be effective for the entire billing cycle that ends in the second month after the determination date. For example, if your billing cycle ends in July, we will use the Index determined on the May determination date.

APR for Purchases and Balance Transfers: To determine the APR for purchases and balance transfers, we add a margin of 11.74% or 14.74% to the Index (Prime Rate).

APR for Cash Advances: To determine the APR for cash advances, we add a margin of 21.99% to the Index (Prime Rate).

1 We will begin charging interest on cash advances and balance transfers on the transaction date.

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. 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, subject to applicable law.

You agree that payments on your Account may be applied in the order we select, subject to applicable law. Any amounts paid in excess of the required minimum payment will be applied first to your balances with the highest Annual Percentage Rate and then 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 credit reporting agency that furnished the report. You also authorize First Bankcard (a division of First National Bank of Omaha) to verify your employment, income and other relevant information.

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

MINIMUM PAYMENT: You may pay all or a part of the balance on your account at any time. However, you must pay at least the minimum payment by the due date shown on your billing statement. The minimum payment will be indicated on your billing statement. If your New Balance is less than $35, the minimum payment will be equal to your New Balance. If your New Balance is $35 or greater, the minimum payment will be the greater of (a) 2% of the New Balance or $35, whichever is larger; or (b) the current cycle fees and finance charges plus 1% of the New Balance (excluding current cycle fees and finance charges). Your minimum payment will also include any amount (i) past due and (ii) necessary to reduce your balance to your credit limit. Calculations will exclude disputed amounts.

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

ARBITRATION NOTICE: You understand that any Cardmember Agreement you receive will contain an arbitration provision that may substantially limit your rights in the event of a dispute, including your right to litigate in court or have a jury trial, discovery and appeal rights, and the right to participate in court or in arbitration as a representative or member of a class action. You may request arbitration rules and forms through either or both of the following arbitration administrators: American Arbitration Association, 1-800-778-7879; and National Arbitration Forum, 1-800-474-2371. Please review the Cardmember Agreement and its arbitration provision carefully before you use or allow someone else to use an account.

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

IMPORTANT REWARDS PROGRAM INFORMATION

HENRY SCHEIN COMPLETE REWARDS® FOR BUSINESS
PROGRAM TERMS AND CONDITIONS SUMMARY

Please read this Terms and Conditions Summary for important information about the Henry Schein Complete Rewards® for Business Program (the "Program"). First Bankcard®, a division of First National Bank of Omaha, is referred to below as "we," "us," "our" and "First Bankcard". First Bankcard is the issuer of the credit card account(s) ("Account") and is the sponsor of the Program, which is dependent on the participation and cooperation of Henry Schein, Inc. ("Henry Schein").

Complete Program Terms and Conditions (including additional limitations and restrictions) will be provided to you if you become an approved Cardmember.

EARN POINTSEarn 2 points (equal to 2% back) for each $1.00 in Henry Schein Purchases posted to the Account.
Earn 2 points (equal to 2% back) for each $1.00 in Travel Purchases posted to the Account.
Earn 1 point (equal to 1% back) for each $1.00 in Net Purchases posted to the Account (excluding Henry Schein Purchases and Travel Purchases).
ANNUAL REWARDS PROGRAM FEEThere is no Annual Rewards Program Fee; however, please review the "Fees" Section in this Summary of Credit Terms for information on possible annual or monthly Set-up and Maintenance fees associated with the Account.
LIMIT ON POINTS EARNEDThere is no limit on the number of points that can be earned, but if we offer bonus points, we may limit the number of bonus points awarded for certain purchases and/or promotions.
POINT EXPIRATIONPoints do not expire.
POINT FORFEITUREIf the Account is closed for any reason, enrollment in the Program will be terminated and any accumulated points will be forfeited.
POINT REDEMPTIONPoints can be redeemed for (collectively, the "Rewards"):
  • Merchandise
  • Gift cards/certificates
  • Travel (Airline, Hotel and Car Rental)
  • Cash back as a statement credit to the Account, an ACH deposit to any checking or savings account (ABA routing number required), or as a check sent to you by mail.
Points can be redeemed for Rewards in two ways: 1) Manual Point Redemption or 2) Automatic Cash Back Redemption. See below for details. Complete details on Rewards and point redemption are available through our Rewards Service Center and Rewards website.
REDEMPTION REQUESTS24/7 online access or toll-free customer service during hours of operation; additional information about redemption will be provided once you become a cardmember.

NET PURCHASES: "Net Purchases" are authorized, new purchases posted to the Account on or after enrollment in the Program, excluding refunds, credits (for returned merchandise or otherwise), and disputed billing items. Net Purchases do not include: (a) annual fees, finance charges and other fees or charges posted by us to the Account; (b) cash advances (including but not limited to cash received over the amount of Net Purchases charged to the Account, purchases of money orders or other cash equivalents) or special check transactions; (c) balance transfers; (d) charges for other products, services, or benefits that we provide (such as credit insurance premiums); or (e) other transactions that we determine not to be eligible.

"Henry Schein Purchases" are Net Purchases made only from a participating Henry Schein location.

"Travel Purchases" are Net Purchases made at any merchant whose merchant category code ("MCC") is classified by the payment card industry as "Local, Suburban Commuter Passenger Transportation" (MCC 4111), "Passenger Railways" (MCC 4112), "Taxicabs and Limousines" (MCC 4121), "Bus Lines, Including Charters, Tour Buses" (MCC 4131), "Cruise Lines/Steamships Lines" (MCC 4411), "Airline, Air Carriers" (MCC 4511), "Travel Agencies and Tour Operations" (MCC 4722), "Package Tour Operators (For use in Germany only)" (MCC 4723), "Toll and Bridge Fees" (MCC 4784), "Transportation Services" (MCC 4789), "Direct Marketing - Travel Related Arrangements Services" (MCC 5962), "Lodging - Hotels, Motels, Resorts, Central Reservation Services" (MCC 7011), "Specific Airline Codes" (MCC 3000-3299), "Specific Car Rental Company Codes" (MCC 3351-3441), "Specific Hotel and Resort Codes" (MCC 3501-3828), "Timeshares" (MCC 7012), or "Car Rental Companies" (MCC 7512).

The MCC is a four-digit code used by the payment card industry to classify a merchant's primary business. Some merchants might be expected to be classified into one of the MCCs identified above, but they may not be classified as such. This could affect whether purchases made from such merchants will qualify as a Henry Schein Purchase, Travel Purchase, or Net Purchase and, as a result, whether points will be earned on such purchases. We do not assign MCCs to merchants nor are we responsible for confirming or monitoring the MCC assignments made by the payment card networks.

We reserve the right to determine, in our sole discretion, whether any transaction qualifies as a Henry Schein Purchase, Travel Purchase, or Net Purchase, and our determinations shall be final.

POINTS: Point awards are not earned until they show on the Account statement. Points may be deducted for awards based on purchases that are subsequently subject to a refund, credit or dispute. We reserve the right to retroactively correct errors made in point awards. Points will not be earned if the Account cannot be used for new purchases or participation in the Program has been suspended.

At our sole discretion, we may award additional bonus points in connection with certain purchases and/or promotions. Additional details and additional terms and conditions will be provided with such offers and are in addition to the Program Terms and Conditions unless otherwise specified therein. We reserve the right to determine which Henry Schein Purchases, Travel Purchases, or Net Purchases are eligible for bonus points.

Business card arrangements with multiple cardholder Accounts earn points at the individual Account level, but businesses may elect to set up the Accounts so that points can be awarded and redeemed at a certain, designated Account level.

HENRY SCHEIN ENHANCED REWARDS: A portion of what is earned on those Henry Schein Purchases which consist of Henry Schein products or services purchased where those products or services may be used to provide services to participants in Medicare, Medicaid, Tricare or other Federal health care programs (referred to in this paragraph as "Enhanced Rewards") should be treated as a discount on the purchase of such products or services. Upon request by Medicare, Medicaid, Tricare or other state or federal payers, regarding the cost of Henry Schein Purchases, the amount of Enhanced Rewards earned from such purchases as a discount to the purchase price must be disclosed. The amount of Enhanced Rewards should be considered to be 1% of the amount of the Henry Schein Purchases. The full Program Terms and Conditions and the periodic billing statements should be retained in order to calculate and provide documentation of the discount.

REWARDS & REDEMPTION: Points can be used to obtain the Rewards in two ways: 1) Manual Point Redemption or 2) Automatic Cash Back Redemption.

1). Manual Point Redemption: Points can be redeemed manually for Rewards;

2). Automatic Cash Back Redemption: Rewards can also be set to be redeemed automatically, either as a check or as a credit to the Account, in the amount of $100 for every 10,000 points accumulated ("Automatic Cash Back Redemptions"). Automatic Cash Back Redemptions will only take place on automatic redemption processing dates, which are the fourth Thursday of each month (or the third Thursday of the month if the fourth Thursday is a legal public holiday). A maximum of 100,000 points can be redeemed on any scheduled automatic redemption processing date. Any points in excess of the 100,000 maximum will remain in the Account and will be automatically redeemed in 10,000 point increments on the next scheduled automatic redemption processing date. Points in excess of a 10,000 point increment on a scheduled redemption processing date will remain in the Account until 10,000 points are accumulated. For example, if the Account has 14,400 points on an automatic redemption processing date, 10,000 points will be redeemed for $100, payable either as a check or as a credit to the Account, and the remaining 4,400 points will stay in the Account until 10,000 points are accumulated or until these 4,400 points are part of a manual redemption. Manual redemption of points is still available even if the Automatic Cash Back Redemption option is selected. The Automatic Cash Back Redemption can be cancelled at any time by updating the preferences on the Website or by calling the Rewards Service Center.

Point redemption may be subject to shipping, handling or other fees. If a credit card is reported lost or stolen, the ability to redeem points will be temporarily suspended until a new card is issued.

CASH BACK: Only points can be used to redeem for cash back, which cannot be redeemed using a combination of points and a credit card. Cash back in the form of a statement credit will be applied to the Account that is designated by the company Program Administrator for those businesses that elect to set up point earnings and redemptions to be done at a certain, designated Account level. To set up a designated Account to which cash back statement credits can be applied, the company Program Administrator needs to contact the Commercial Card Client Servicing team at 800-652-5741 for assistance. For all other individual cardholder questions, please call the number on the back of the cardholder's credit card. Cash back in the form of a statement credit will be applied as a credit to the designated Account. The monthly payment shown on the billing statement must still be made. We are not responsible for replacing lost, stolen or destroyed checks. Checks that have not been cashed and cleared within 120 days after the issue date will become void, and the money received as a Reward will be credited to the Account as a statement credit. For all ACH deposit checking and savings cash back redemptions, the correct account number must be provided in the redemption form in order for the amount requested to be deposited accordingly. If an ACH deposit is rejected, the redemption will be reversed and the points will be added back to the rewards balance associated with the Account.

We may change or terminate the Program in our discretion at any time with or without prior notice except where required by law.

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 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 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.



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