
KEY INFORMATION ON YOUR LOAN
You certify that all of the information you provide us is true and accurate. The terms set forth in these materials may be withdrawn and are subject to change without notice, at any time.
DISBURSEMENT: Generally, we will pay the proceeds of your loan directly to the other creditors identied in the instructions you give us or, in some cases, we will pay the proceeds of your loan directly to you. We reserve the right to reject your
instructions and to impose various restrictions and limitations on the payments we will make. Proceeds of your loan may not be used to make payments on other obligations you owe to us or our afliates (we may make limited exceptions to this rule on
a case-by-case basis). Loans cannot be used for postsecondary educational expenses or tuition, or to consolidate postsecondary educational loans. Other restrictions may apply.
CREDIT REPORTS: By requesting this loan, you agree that First National Bank of Omaha may obtain credit reports for purposes of processing your request for this loan and for later purposes related to your loan such as reviewing, updating and
renewing it, 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 National Bank of Omaha
to verify your employment, income and other relevant information.
IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT: To help the government ght the funding of terrorism and money laundering activities, the USA PATRIOT Act requires all nancial institutions to obtain,
verify, and record information that identies each person 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.
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 Personal Loan at P.O. Box 3437, Omaha, NE 68172-9981.
PRESCREENED OFFER: You have been prescreened for purposes of a debt consolidation offer. For further information, see the following notice:
PRESCREEN & OPT-OUT NOTICE: This “prescreened” offer of credit is based on information in your credit report indicating that you meet certain criteria. This offer is not guaranteed if you do not meet our criteria. If you do not want to receive
prescreened offers of credit from this and other companies, call the consumer reporting agencies toll-free, 1-888-567-8688; or write to any of the following consumer reporting agencies: Experian Credit Marketing, P.O. Box 919, Allen, TX 75013;
Equifax Options, P.O. Box 740123, Atlanta, GA 30374-0123; TransUnion Opt Out Option, P.O. Box 505, Woodlyn, PA 19094-0505.
Eligibility for a loan depends on the information you provide and your credit history. Based on this information, we may nd that you do not meet our previously established credit criteria and, at our discretion, you may not receive a loan. At certain
income and loan levels, income verication may be required. We will determine your loan amount, interest rate and repayment terms based on this review.
Estimated Payments and Finance Charges
APR 9.99%
Term 36 Months
Loan Amount Monthly Payment Finance Charge
$5,000 $161.31 $807.25
$10,000 $322.62 $1,614.25
$15,000 $483.94 $2,421.75
$20,000 $645.25 $3,228.99
$25,000 $806.56 $4,036.24
$30,000 $967.87 $4,843.49
APR 12.99%
Term 36 Months 48 Months 60 Months
Loan Amount Monthly Payment Finance Charge Monthly Payment Finance Charge Monthly Payment Finance Charge
$5,000 $168.45 $1,064.04 $134.11 $1,437.41 $113.74 $1,824.39
$10,000 $336.89 $2,128.09 $268.23 $2,874.82 $227.48 $3,648.77
$15,000 $505.34 $3,192.13 $402.34 $4,312.22 $341.22 $5,473.16
$20,000 $673.78 $4,256.18 $536.45 $5,749.63 $454.96 $7,297.55
$25,000 $842.23 $5,320.22 $670.56 $7,187.04 $568.70 $9,121.93
$30,000 $1,010.67 $6,384.27 $804.68 $8,624.45 $682.44 $10,946.32
APR 15.99%
Term 36 Months 48 Months 60 Months 72 Months
Loan Amount Monthly Payment Finance Charge Monthly Payment Finance Charge Monthly Payment Finance Charge Monthly Payment Finance Charge
$5,000 $175.76 $1,327.38 $141.68 $1,800.44 $121.56 $2,293.82 $108.43 $2,807.08
$10,000 $351.52 $2,654.75 $283.35 $3,600.88 $243.13 $4,587.65 $216.86 $5,614.16
$15,000 $527.28 $3,982.13 $425.03 $5,401.31 $364.69 $6,881.47 $325.30 $8,421.24
$20,000 $703.04 $5,309.51 $566.70 $7,201.75 $486.25 $9,175.29 $433.73 $11,228.32
$25,000 $878.80 $6,636.89 $708.38 $9,002.19 $607.82 $11,469.12 $542.16 $14,035.40
$30,000 $1,054.56 $7,964.26 $850.05 $10,802.63 $729.38 $13,762.94 $650.59 $16,842.48
APR 18.99%
Term 36 Months 48 Months 60 Months 72 Months
Loan Amount Monthly Payment Finance Charge Monthly Payment Finance Charge Monthly Payment Finance Charge Monthly Payment Finance Charge
$5,000 $183.25 $1,597.17 $149.47 $2,174.76 $129.68 $2,780.51 $116.85 $3,413.56
$10,000 $366.51 $3,194.35 $298.95 $4,349.52 $259.35 $5,561.03 $233.71 $6,827.12
$15,000 $549.76 $4,791.52 $448.42 $6,524.29 $389.03 $8,341.54 $350.56 $10,240.68
$20,000 $733.02 $6,388.69 $597.90 $8,699.05 $518.70 $11,122.06 $467.42 $13,654.24
$25,000 $916.27 $7,985.87 $747.37 $10,873.81 $648.38 $13,902.57 $584.27 $17,067.80
$30,000 $1,099.53 $9,583.04 $896.85 $13,048.57 $778.05 $16,683.09 $701.13 $20,481.36
NON-TRANSFERABLE: These loan materials are intended solely for you, and you may not transfer them. If you ask to make an application to us with another person, you will be considered to be applying for joint credit that benets both of you.
Annual Percentage Rates (APR) range from 9.99% to 18.99% Fixed and will be determined based on your creditworthiness and loan term. Loan amounts range from $1,000 to $30,000.
The table below is meant to serve as a representation of how monthly payments and nance charges are calculated and may reect rate and term combinations that are not available.
LOAN TERMS
PLEASE READ THESE LOAN TERMS CAREFULLY; YOU WILL BE ASKED TO AGREE TO THEM WHEN YOU SPEAK TO ONE OF OUR LOAN SPECIALISTS. IF YOU REQUEST THIS LOAN, YOU WILL BE ENTERING INTO A LEGALLY
ENFORCEABLE AGREEMENT TO REPAY THE LOAN AND YOU WILL BE AGREEING TO THESE LOAN TERMS.
All references to “you” and “your” mean each person who accepts these Loan Terms. References to “we,” “us” and “our” mean First National Bank of Omaha.
ACCEPTING THESE LOAN TERMS: You will be considered to accept these Loan Terms if you request us to make this loan. If we receive your request by telephone, you will be considered to accept and agree to these Loan Terms by making your
request over the phone. If we ask you to make your request in writing or electronically, you will be considered to accept and agree to these Loan Terms by giving us a written or electronic request. Please make sure that you understand and agree to
these Loan Terms before you make your request. If you do not understand these Loan Terms or if you have questions, please call 1-888-283-5098.
YOUR SPECIFIC TERMS: Before you accept these Loan Terms, we will discuss with you the specic principal amount we will lend you, the specic interest rate that will apply and your specic repayment terms. These are referred to as your “Specic
Terms.” Your Specic Terms will be considered a part of these Loan Terms that you accept and agree to. Your Specic Terms will be conrmed in a separate Disclosure Statement that we will send to you before the due date of your rst payment (your
“Disclosure Statement”). Your Disclosure Statement will be prepared on the assumption that you will make all your payments on time. Your nal payment may be larger or smaller depending on whether you make all your payments on time. In addition,
if you request a particular due date, that may increase or decrease the period until your rst payment is due. A longer period will result in increased interest charges and a larger nal payment; a shorter period will result in decreased interest charges
and a smaller nal payment.
DISBURSEMENT: The amount of your loan will be disbursed according to your request (but subject to our restrictions and limitations). Normally, this means we will pay an amount you specify to one or more creditors that you identify or, in some
cases, we will pay an amount directly to you. It may take up to two weeks for payment to your other creditors to be made. You should continue to make payments to your other creditors to avoid incurring additional interest and late fees charged by
those creditors. You are liable for any late payments, nance charges or disputed amounts on your other accounts. If you want your other accounts closed, you are responsible for doing so. If we determine that we cannot follow your instructions, we
may choose to issue a check directly to you or we may credit your loan balance for the amount that we do not disburse.
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