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					Pay your Visa Card         ®

                                                         Q How much do I pay each month?
and MasterCard                   ®
                                                          A.   You choose from three payment options:
                                                               a. The minimum payment due – as shown
bill automatically                                                on your monthly statements. (Additionally,
with AutoPay. . .                                                 the minimum payment includes any past
                                                                  due amount and any amount over your
                                                                  assigned credit limit).
                                                               b. A partial payment – a set dollar amount
                                                                  you choose, (or less if total balance due is
When you sign up for AutoPay, scheduled monthly                   less than your set dollar amount . . . or
payments can be deducted from a checking or savings               more if your minimum due is more than
account to pay all of your accounts. There are no fees            your set dollar amount).
involved with AutoPay and you can even save yourself
                                                               c. Payment in full – the new balance
time and postage expense.
                                                                  showing on your monthly statement.
Here are some answers to questions you may have:         Q When are my AutoPay
                                                          A. payments made?
Q How does AutoPay work?
 A.     Instead of sending us a check every
                                                               Your AutoPay payment is submitted to
                                                               your checking or savings account on your
                                                               payment due date. If your payment due date
        month, you authorize us to deduct                      falls on a weekend or holiday, your payment
        payments directly from your checking                   will be debited from your checking or
        or savings account.                                    savings account on the next business day.

Q How much will AutoPay cost me?
 A.     There are no fees with AutoPay. In fact,
                                                         Q Can I on AutoPay? payments
                                                          A. while make additional
        AutoPay will save you money . . . in                   Yes, however this may affect the amount
        postage, in check charges and in late fees.            deducted from your AutoPay payment

Q Is it a lot of trouble to sign up?
 A.
                                                               amount.

                                                         Q How AutoPay? when my account
        No. Just complete and send us the attached
        enrollment form and attach a voided check
        from your checking or savings account.
                                                          A. is on will I know
                                                               A message will appear on your credit card
        That’s all there is to it!                             statement indicating you are set up for
                                                               AutoPay. Continue to make your normal
                                                               payments until then.
Q How do I change my AutoPay option?
 A.     To change your option or your Partial
                                                         Retain for
        Payment dollar amount, just notify us
        explaining the change you want. Requests
                                                         your records
        must be received three business days prior
        to your payment due date (refer to the           On _______________________(date), I authorized
        address under the “Remember” section).           First National Bank of Omaha to initiate debit entries to my

Q Can I suspend or cancel my
 A. AutoPay service?
                                                         checking or savings account as indicated above. Debits will be
                                                         processed on the payment due date of my statement (if your
                                                         payment due date falls on a weekend or holiday, your payment
                                                         will be debited from your checking or savings account on the
        Yes. To suspend your AutoPay payment             next business day). If I exceed my credit limit, I understand
        for one month (and make your payment             the entire amount I am over limit will be deducted. This
        yourself) or to cancel your AutoPay service,     authority is to remain in effect until First National Bank
        just notify us with your request. Requests       of Omaha receives written or verbal notification from me
        must be received three business days prior       terminating this agreement. (Notice of termination will not be
        to your payment due date (refer to the           effective until First National Bank of Omaha has a reasonable
        address under the “Remember” section).           opportunity, at least three business days, to act on it.)

Q What if I need to changefor AutoPay?
 A. or savings account I use the checking
                                                         The payment alternative I selected was:

                                                               Full Pay my credit card account statement
                                                                    balance in full each month.
        To change your account information, just                               Pay the minimum amount due on my credit
        notify us with your request, along with a              Minimum* card account each month.
                                                                          Pay $_________ or the minimum amount due
        voided check from your new checking or
        savings account (refer to the address
                                                               Partial* (whichever is greater) on my credit card account
                                                                              each month.
        under the “Remember” section). Requests          *If you have exceeded your credit limit, the entire amount you are overlimit
        must be received three business days prior        will be deducted. The minimum payment also includes any past due amount.
        to your payment due date.
                                                         Remember: To sign up for AutoPay you must:
Q When should I sign up?
 A.     Right now! The sooner you are on AutoPay,
                                                         1) Complete the attached enrollment form in full.
        the sooner you’ll start enjoying the benefits.   2) Include a voided check from your checking or
                                                             savings account.
  Important:                                             3) Detach form and mail to:
  Mail us the form on the reverse side – along with                                AutoPay Department
  your voided check today!                                                         P.O. Box 2120
                                                                                   Omaha, NE 68103-2120
                                                         If you change financial institution, you will need to
                                                         notify us and send a new voided check from your new
                                                         financial institution.
    AutoPay enrollment form
    To participate in our optional Automated Payment Program, select
    the payment alternative you want, complete and sign this form, attach
    a voided check from your checking or savings account and return to
    AutoPay Department, P.O. Box 2120, Omaha, NE 68103-2120.

    Payment Alternatives:
      Full Pay my credit card account statement
           balance in full each month.

      Minimum* credit card accountamount due on my
                      Pay the minimum
                                         each month.
      Partial* Pay $_________ or the on my credit card account
                (whichever is greater)
                                       minimum amount due

                         each month.
    *If you have exceeded your credit limit, the entire amount you are overlimit
     will be deducted. The minimum payment also includes any past due amount.

4




                                                                                                  Detach here and send enrollment form only.
                                                                                         Clear Visa
    Visa ® Card
5
    MasterCard ®                                                                 Clear MasterCard


    Name (please print)
             -           -                             -          -
    Date of Birth                                   Social Security Number


    Joint Cardmember
             -           -                             -          -
    Date of Birth                                   Social Security Number


    Address


    City                                             State           Zip
    (      )                                    (       )
    Home Phone                                  Business Phone
      Check here if new address


    E-mail Address‡
    I authorize First National Bank of Omaha to initiate debit entries to my checking
    or savings account as indicated above. Debits will be processed on the payment due
    date of my statement (if your payment due date falls on a weekend or holiday,
    your payment will be debited from your checking or savings account on the next
    business day). If I exceed my credit limit, I understand the entire amount I am
    overlimit will be deducted. This authority is to remain in e ect until First National Bank
    of Omaha receives written or verbal n           tion from me terminating this agreement.
    (Notice of termination will not be e ective until First National Bank of Omaha has
    a reasonable opportunity, at least three business days, to act on it.)


    S ignature                                                   Date
    Remember: Please send us a voided check from your checking or savings
    account along with this enrollment form.
    ‡If you provide us with an e-mail address we may use it to contact you about
     your account or send you information concerning other products or services.
                                 WEBFNBAUTO-1207-203114
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