Smarter Financing for Smarter Business. Small Business. with up to $5MM annual revenue

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1 Smarter Financing for Smarter Business Your business. Your credit card. Your way. Business Edition Visa Card with Absolute Rewards Business Edition Visa Card Small Business with up to $5MM annual revenue 0% introductory APR * on purchases and balance transfers for the first 6 billing cycles. APR after the introductory period will be 12.99%, 14.99% or 19.99%. This APR will vary with the market based on the Prime Rate. APR after the introductory period will be 9.99%, 12.99% or 17.99%. This APR will vary with the market based on the Prime Rate. No Annual Fee * 5 Points per $1 Spent on qualifying business expenses (up to $25,000 during a period of 12 billing cycles). 2 Points per $1 Spent on qualifying gas and dining transactions (up to $25,000 during a period of 12 billing cycles). 1 Point per $1 Spent on all other purchases. Rewards can be redeemed for travel, cash back as a statement credit, gift cards and merchandise. Plus, you have 3 years from when points are awarded to use them before they expire! Control your financials with a competitive rate Apply for a credit card today! All of our business cards come with these great benefits Visa s Zero Liability 4 Visa Free 24/7 Savings Edge 1 Online Access Free Management Reports Cash Flow Management Fraud Protection IMPORTANT INFORMATION AFTER SUMMARY OF CREDIT TERMS Please see the Summary of Credit Terms for important information on rates, fees, costs, conditions and limitations. An introductory balance transfer fee of either $10 or 4% of the amount of each transfer, whichever is greater, for balance transfers made in the first 6 billing cycles. After that, either $10 or 5% of the amount of each balance transfer, whichever is greater. PDFGENBEV1506

2 INFORMATION TO BE COMPLETED BY BANK/BANKER ONLY COMPANY AND BANK INFORMATION Bank Reference Submittal Sheet For Card Applications Bank Employee Contact Name ( ) Bank Employee Phone No. / / Date Company Name (Exactly the same as submitted on Application) Company Address City ST Zip BANK REFERENCE (LAST 12 MONTHS) Authorizing Company Representative Name Checking / Savings Summary Loan Summary Date(s) Opened: Type of credit: (Installment, LOC) Average Balance(s): / Number of Loans: # Times Account Over Drawn: Date(s) Opened: # NSF Items: Average Balance(s): Delinquency (circle one): Risk Rating: (If applicable) Comments: ADDITIONAL DOCUMENTATION (Required for line requests of $30,000+) For requests of credit limits above $30,000 2 years of Company Financial statements or Tax Returns are required. Financials attached to this checklist $ (Annual Spend) Customer will send Financials by mail or fax within the next 7 business days FAX all documentation with this cover sheet to: First Bankcard Commercial Card Underwriting

3 REWARD OPTIONS Rewards Please check only one box. Promo Code Bank/Branch No: Graphics ID: No Rewards COMPANY INFORMATION Business Legal Name Promo Code Employee No: Tax ID # Physical Business Address (other than P.O. Box) City State Zip Mailing Address (if different than physical address) ( ) Business Telephone Legal Structure Corporation Sole Proprietorship Partnership Other City State Zip Name of Company as you would like to seeon the card (limit 22 characters and spaces) Line of Business Number of Employees Professional Manufacturing Agriculture Service Retail Other Year Company Started Address: Include full address with punctuation (Example: jdoe@fnni.com)++ FINANCIAL REFERENCE Financial Institution Name ADDITIONAL EMPLOYEE CARDS If you are requesting more than two cards, please attach a separate sheet of paper with the required information. You may authorize to use your account the person(s) indentified as your authorized user(s). Each authorized user will be issued a card. The authorized user must affix his or her signature on the reverse side of the card. The persons you list below are designated as authorized users. Indicate how you want each card to read. First Name First Name Company means the business identified above. We, us, or our means First Bankcard, a division of First National Bank of Omaha. By signing below, the Authorized Company Representative is signing as an authorized representative on behalf of Company and on his/her own behalf, individually. In his/her capacity as an Authorized Company Representative, such person certifies that the information in this application is true and correct and that he/she has full power and authority to sign this application on behalf of Company. By signing below, Company and the Authorized Company Representative acknowledge and agree: (i) that any Business Edition Visa Cards issued to Company and its employees have been issued in reliance upon this application; (ii) to comply with the cardmember agreement furnished in connection with such card(s); (iii) that we may obtain additional information from credit bureaus and other lawful sources, including persons and other companies named in this application, to verify the creditworthiness of Company and the undersigned; and (iv) that all charges to Company s account(s) shall be made solely for business or commercial purposes and not for personal, family or household purposes. Company and the Authorized Company Representative shall be jointly and severally liable for repayment of all amounts due on all of Company s accounts opened in response to this application or subsequently on behalf of Company. First Name / / Date Of Birth Last Name Last Name AUTHORIZED COMPANY REPRESENTATIVE INFORMATION City Authorized Company Representative Title Last Name Home Address (other than P.O. Box) X Authorized Company Representative Signature (Do Not Include Titles) $, ( ), Checking Balance Owner Partner President Vice President Treasurer Other Date State Financial Institution Contact Social Security Number **Alimony, child support or separate maintenance income need not to be revealed if you do not wish to have it considered as a basis for repaying this obligation. Zip Contact s Phone Number Social Security Number or Employee ID Social Security Number or Employee ID ( ) Home Telephone $, Annual Personal Income** ++ If you provide us with an address we may use it to contact you about your account or send you information concerningother products or services. Years In Current Position PDFGENBEV1506

4 IMPORTANT RATE, FEE AND OTHER COST INFORMATION (SUMMARY OF CREDIT TERMS) Interest Rates and Interest Charges 1CCPDF046V1506 Annual Percentage Rate (APR) for Purchases Business Edition with Absolute Rewards : 0.00% introductory APR for the first 6 billing cycles. After that, your APR will be 12.99%, 14.99% or 19.99%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. Business Edition : 0.00% introductory APR for the first 6 billing cycles. After that, your APR will be 9.99%, 12.99% or 17.99%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. APR for Balance Transfers Business Edition with Absolute Rewards : 0.00% introductory APR for the first 6 billing cycles. After that, your APR will be 12.99%, 14.99% or 19.99%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. Business Edition : 0.00% introductory APR for the first 6 billing cycles. After that, your APR will be 9.99%, 12.99% or 17.99%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. APR for Cash Advances How to Avoid Paying Interest on Purchases 25.24%. This APR will vary with the market based on the Prime Rate. 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 Setup and Maintenance Fees Annual Fee Monthly Fee Transaction Fees Balance Transfer Introductory fee of either $10 or 4% of the amount of each transfer, whichever is greater, for balance transfers made in the first 6 billing cycles. After that, either $10 or 5% of the amount of each transfer, whichever is greater. Cash Advance Cash Equivalent Foreign Transaction Either $15 or 5% of the amount of each cash advance, whichever is greater Either $15 or 5% of the amount of each cash equivalent transaction, whichever is greater 3% of each transaction in U.S. dollars. Penalty Fees Late Payment $35 if New Balance is less than $500 $39 if New Balance is equal to or greater than $500 OvertheCreditLimit $39 Returned Payment $35 (Payment Dishonored) 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 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 May 31st. As of 06/01/2015, the Index (Prime Rate) was 3.25%. APR for Purchases and Balance Transfers for Business Edition with Absolute Rewards : To determine the APR for purchases and balance transfers, we add a margin of 9.74%, 11.74% or 16.74% to the Index (Prime Rate). APR for Purchases and Balance Transfers for Business Edition : To determine the APR for purchases and balance transfers, we add a margin of 6.74%, 9.74% 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. 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

5 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 openend 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 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: 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, ; and National Arbitration Forum, 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 June 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 VISA SAVINGSEDGE : Visa SavingsEdge is an automated discount program offered by Visa U.S.A. Inc. to eligible businesses and their authorized cardholders that hold an eligible Visa Business card and whose enrollment in the program is accepted by Visa. Under the program, cardholders can receive discounts from participating merchants each time the cardholder uses an enrolled Visa Business card to make qualifying purchases of goods or services pursuant to an active discount offered by the merchant and that transaction is processed or submitted through the Visa payment system (a Qualifying Purchase ). Visa may modify, restrict, limit or change the program in any way and at any time. Visa reserves the right at any time to cancel the program. Visa also reserves the right to suspend or cancel any cardholder s participation in the program. Enrolled cardholders will only receive discounts for qualifying purchases that are in full compliance with the terms of the applicable discount offer. Discount offers may be subject to additional terms and conditions. Discount offers may be removed from the program at any time and are subject to availability. Discount offers are also subject to any applicable law or regulation that may restrict or prohibit certain sales. Discounts will not appear on a cardholder s receipt at the point of sale. Discounts are provided in the form of credits posted to the cardholder s applicable Visa Business card account. Please visit www. visasavingsedge.com for complete details on the program, including the program terms and conditions. Cards are issued by First Bankcard (a division of First National Bank of Omaha). IMPORTANT REWARDS PROGRAM INFORMATION ABSOLUTE REWARDS FOR BUSINESS PROGRAM TERMS AND CONDITIONS SUMMARY Please read this Terms and Conditions Summary for important information about the Absolute 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. Complete Program Terms and Conditions will be provided to you when you become an approved Cardmember. EARN POINTS ANNUAL REWARDS PROGRAM FEE LIMIT ON POINTS EARNED POINT EXPIRATION POINT FORFEITURE POINT REDEMPTION REDEMPTION REQUESTS Business Expense Purchases: 5 points for each $1.00 posted to the Account for the first $25, or less during each Qualification Period; and 1 point for each $1.00 posted to the Account totaling $25, or greater during each Qualification Period. Gas Purchases or Dining Purchases: 2 points for each $1.00 posted to the Account for the first $25, or less during each Qualification Period; and 1 point for each $1.00 posted to the Account totaling $25, or greater during each Qualification Period. Net Purchases: 1 point for each $1.00 of Net Purchases posted to your Account that is not from a Business Purchase, Gas Purchase, or Dining Purchase. Points are redeemed on a firstin, firstout basis and points will expire on or after the third anniversary of when they were awarded. If you fail to pay the Account on time or otherwise fail to follow the terms of your Cardmember Agreement, you will forfeit accumulated points. In addition, closing the Account (by you or by us) will result in the termination of your enrollment in the Program and any unused, accumulated points will be forfeited. You can redeem Points for (collectively, the Rewards ): Merchandise Gift cards/certificates Travel (Airline, Hotel and Car Rental) Cash back as a statement credit to the Account Other goods and services 24/7 online access or tollfree customer service during hours of operation; additional information about redemption will be provided once you become a cardmember.

6 NET PURCHASES AND QUALIFICATION PERIOD: Net Purchases are authorized, new purchases posted to the Account on or after your Enrollment Date, excluding refunds, credits (for returned merchandise or otherwise), and disputed billing items. Points may be deducted for awards based on purchases that are subsequently subject to a refund, credit or dispute. Net Purchases do not include: (a) annual fees, finance charges and other fees or charges posted to the Account; (b) cash advances (including but not limited to cash received over the amount of 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. We are solely responsible for determining which transactions are eligible for point earnings and our determination is final. Business Expense Purchases are Net Purchases made at any merchant whose merchant category code ( MCC ) is classified by the payment card industry as Telecommunication services (MCC 4814), Cable and other pay television (MCC 4899), Electric, Gas, Sanitary and Water Utilities (MCC 4900), Stationery, Office Supplies, Printing, and Writing Paper (MCC 5111), Stationery Stores, Office and School Supply Stores (MCC 5943), Advertising Services (MCC 7311), Computer Maintenance and Repair Services, Not Elsewhere Classified (MCC 7379), or Management, Consulting, and Public Relations Services (MCC 7392). Gas Purchases are Net Purchases made at any merchant whose MCC is classified by the payment card industry as Service Stations (MCC 5541) or Automated Fuel Dispensers (MCC 5542). Dining Purchases are Net Purchases made at any merchant whose MCC is classified by the payment card industry as Caterers (MCC 5811), Eating places and Restaurants (MCC 5812), Drinking Places (Alcoholic Beverages), Bars, Taverns, Cocktail lounges, Nightclubs and Discotheques (MCC 5813) or Fast Food Restaurants (MCC 5814). The MCC is a fourdigit code used by the payment card industry to classify a merchant s primary business. Some merchants you might expect to be classified into one of the MCCs identified above, but may not be classified as such. This could affect whether transactions you make with such merchants will qualify as Business Expense Purchases, Gas Purchases, Dining Purchases, or Net Purchases, and, as a result, whether you will earn points on such transactions. We do not assign MCCs to merchants nor are we responsible for making sure with any of the payment card networks that a merchant has been assigned a correct MCC. We reserve the right to determine, in our sole discretion, whether any transaction qualifies as a Business Expense Purchase, Gas Purchase, Dining Purchase, or Net Purchase, and our determinations shall be final. A Qualification Period is a period of 12 complete, consecutive Billing Cycles. A Billing Cycle is the interval between the days or dates of your regular periodic statements whether or not you receive a periodic statement. The first Qualification Period will begin with the start of the first complete Billing Cycle after the Account is enrolled in the Program, Enrollment Date, and will end on the last day of the 12th complete Billing Cycle. Each subsequent Qualification Period will be the period of 12 complete, consecutive Billing Cycles immediately following the prior Qualification Period. For each new Qualification Period, you will earn points on Business Expense Purchases, Gas Purchases, Dining Purchases, and Net Purchases. POINTS: Point awards are not earned until they show on the Account statement. We reserve the right to retroactively correct errors made in point awards. There may be a limit on the number of bonus points you can earn in connection with certain Purchases and/or promotions. 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. REWARDS: Once you become a cardmember and if the Account is in good standing, you can use your points to obtain the Rewards as stated above. Point redemption may be subject to shipping, handling or other fees. Complete details on Rewards and point redemption are available through our Rewards Service Center and Rewards website. CASH BACK IN THE FORM OF A STATEMENT CREDIT: Only points can be used to redeem for cash back. Cash back is redeemable in denominations of $25, $50, $100 and $250. Cash back in the form of a statement credit will be applied to the Account that is designated by the company Program Administer 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 in the form of a statement credit can be applied, the company Program Administer needs to contact the Commercial Card Client Servicing team at for assistance. For all other individual cardholder questions, please call the number on the back of their credit card. Any points redeemed for cash back in the form of a statement credit are treated as an additional payment on the designated Account. You are still required to make your regular monthly Account payments as indicated on your monthly statements. If the Account does not remain in good standing, you will not earn future points, cannot redeem points, and you will forfeit any accumulated points previously awarded. An Account is in good standing when no event has occurred that allows us to require immediate payment of your entire balance under the Cardmember Agreement, including, without limitation, failing to make the minimum payment when due, having a payment to us denied, providing us false or misleading information, and violating the Cardmember Agreement or any other agreement with us. Closing the Account (by you or by us) will result in the termination of your enrollment in the Program and any accumulated points will be forfeited. We may change or terminate the Program in our discretion at any time with or without prior notice to you. IMPORTANT INFORMATION: * For additional information about Annual Percentage Rates (APRs), fees and other costs, see the Summary of Credit Terms. See the Rewards Terms and Conditions in the Summary of Credit Terms for details. Complete details including restrictions, limitations, and exclusions will be available when you become a Cardmember. 1 Under the Visa SavingsEdge program, businesses having a Visa business card can receive discounts from participating merchants each time the business card is used to make a qualifying purchase. Certain conditions, limitations and restrictions apply. See the Visa SavingsEdge description in the attached Summary of Credit Terms for details. 2 Visa s Zero Liability policy covers U.S. issued cards only and does not apply to 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 Visa cards are issued by First Bankcard, a division of First National Bank of Omaha, pursuant to a license from Visa U.S.A. Inc. VISA and VISA SIGNATURE are registered trademarks of Visa International Service Association and used under license.