One of a Card

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Customer Guidelines

• Eligibility

  As long as your existing account is in good standing (in accordance with your Cardholder Agreement) and you have at least $100 in available credit, you are eligible to design your own card. Your current account will remain exactly the same, only the design on the face of the card will change. Some card types are not eligible.

• Different Images for Each Cardholder

  If more than one individual is a cardholder on your account, a different image may be used for each card. Only the primary or secondary cardholder will have access to the design services. During the design process, you have the option of selecting which cardholders on your account will receive each submitted image.

• Image Updates

  You may submit up to four images on your account per calendar year. You have the option of selecting which cardholder(s) on your account will receive each submitted image. Each separate image submitted will count toward the four image changes allowed per calendar year. For example, if all cards associated with an account have the same image of the family pet, it would count as one image. However, if cardholder #1 has an image of the family pet and cardholder #2 has an image of his/her favorite car, it would count as two of the four images allowed per year.

• Image Approval

  All images are reviewed for appropriateness according to the One of a Card Image Guidelines which follows the Visa^® Issuing Guidelines. By submitting an image, you guarantee that you own or have usage rights to the image and it is permissible to alter, copy, print and distribute the image on the credit card. You agree to indemnify and hold harmless First National Bank of Omaha or its affiliates from all claims arising from the use of the image on the card.

• Image Denial

  First National Bank of Omaha reserves the right to reject any image we believe violates the Visa^® Issuing Guidelines. If an image is rejected, you will be notified by email within three business days. A new image may be submitted at any time following notification.

• Fees

  If applicable, fees will be displayed on the web prior to designing your card. The fees will be charged to your credit card account when the card is mailed to you. Fees apply once per image whether it is used on one or multiple cards associated with your account.

• Card Expiration

  Upon expiration, a new card will be sent with the same image as your most recent "One of a Card". You will not be able to submit a new image request once your card is within 45 days of its expiration date.

• Standard Card

  If you no longer wish to have One of a Card^SM and want to switch back to a standard card, Contact Us.

• Multiple Accounts

  If you have more than one credit card account with us, you must submit an image separately for each account. We cannot transfer the same image to different accounts.

• Change in Card Type

  If you change card types (Premier to Platinum) your image will be transferred to the new card.

• Lost or Stolen

  If your card is lost or stolen, Contact Us for a replacement card immediately. Your new card will have the same image as your current "One of a Card".

• Service Cancellation

  If an image submitted is pornographic/offensive in nature, or if you repeatedly submit images that are unacceptable, we reserve the right to exclude you from future use of this service.

Service Overview

• How does the One of a Card design service work?

  Simple step-by-step instructions are provided for easy card customization.

  1. Upload your favorite photo or image.
  2. Enhance the image by enlarging, cropping, rotating or adding a border.
  3. Once you are satisfied with your design, print a copy for your records and hit the submit button.

  
  
• Will the same image appear on all cards associated with my account?

  New Customers: The same image you uploaded during the application process will be printed on all cards associated with your account. However, any time after you receive your new cards in the mail, the primary or secondary cardholder may submit different images for cardholders on the account. See question below for further clarification.

  Existing Customers: During the design process, the primary or secondary cardholder will be allowed to select which cardholders on their account will receive the image. You may choose to have the same image applied to all cards or you may submit separate, unique images. See question below for further clarification.

• Can I put different images on each person's card associated with my account?

  Yes. As long as you are the primary or secondary cardholder on your account, you may upload different images and choose which cardholders will receive the newly designed cards. If your account has more than two cardholders, the additional cardholders will be grouped into an "all Authorized Users" category. You may submit separate images for the primary, secondary, and "all authorized users". Please note that all cardholders grouped within the "all authorized users" category will receive the same image.

• Who can access the design service on my account?

  Only primary and secondary cardholders will be allowed to use the design service.

• How many times can I change the image on my credit card?

  You may submit up to four images on your account per calendar year. Each separate image submitted will count toward the four image changes allowed per calendar year. For example, if all cards associated with your account have the same image of the family pet, it would count as one image. However, if cardholder #1 has an image of the family pet and cardholder #2 has an image of his/her favorite car, it would count as two of the four images allowed per year.

• I'm already a current customer, how can I design my own card?

  If you are already enrolled in First National Online, simply log on and click the "Design a Card" graphic located on the Account Detail page. If you are not currently enrolled online, you will need to enroll in First National Online before you can customize your card.

• How will I know if my image is accepted or rejected?

  An email will be sent to you within three business days if your image was rejected. An email will not be sent if your image is approved.

• If my application for a credit card is denied, what happens to the image I uploaded?

  If your application for a credit card is denied, the image that you uploaded is destroyed. We do not store images of applications that have been declined.

General Questions

• How long will it take to receive my card?

  It will take approximately 1 to 2 weeks to receive your card.

• Is the application process secure?

  Yes, all of your personal and financial information is protected by security protocols. Our website provides end-to-end encryption to secure the transfer of information while in transit. For further information, please read our Security Statement.

• Will store merchants accept my customized card?

  Yes, any merchant accepting Visa^® will accept your card.

Image Options and Editing

• What is a digital photo?

  A photo saved in an electronic format such as JPEG on a disk, CD-ROM or on your computer. This is the file format usually output by digital cameras.

• What do I do if I don't have a digital photo?

  Physical photos are not accepted at this time. However, if you take a regular photo to a photo processing facility, they can scan the image for you and put it on a disk. Have them save the image as a JPEG, GIF, PNG or bitmap format for easy uploading.

• What graphic file formats and sizes are acceptable?

  The accepted graphic file formats are jpeg, bitmap (bmp) or png. Please use an image that is at least 640X480 pixels and 50KB in size, not to exceed 2MB.

• What kind of images may I use for my card?

  You may only use personal photos or images that belong to you, as long as they do not contain any of the following prohibited content:

  • Celebrities, musicians, athletes, entertainers, cartoons or other nationally known public figures, etc. (Exceptions to this prohibition include permission-based photos of you, your family members or friends photographed with a famous person.)
  • Images or names of branded products/services, including abbreviations, acronyms, logos or other related symbols.
  • Provocative or sexual subject matter. This includes nudity (either artistic or pornographic in nature).
  • Copyrighted or trademarked material.
  • Political statements or subject matter.
  • Racial/prejudicial or discriminatory subject matter.
  • Violence.
  • Profanity or obscenities.
  • Advertisements (e.g., personal business cards, etc.).
  • Phone numbers (e.g. 800 or 900 #'s), email addresses, and web addresses (e.g. www.xyz.com).
  • References to the Olympic Games or Events.

  Please note: We reserve the right to reject any submitted images that we feel conflicts with our Image Guidelines which follows the Visa Issuing Guidelines.

• Are copyrighted images or phrases permissible on my card?

  No.

• Can I use professional or college sports logos on my card?

  No, these logos are protected by copyright laws.

• Can I use an image taken by a professional photographer?

  No, in most instances, these are the property of the photographer.

• What happens if my image is rejected?

  You will receive an email notification within three business days stating the reason your image was rejected. If you are a new customer, we will send you our standard card. Once you receive your card in the mail, you may submit a new image at any time. If you are an existing customer, you may submit a new image as long as the image you submitted did not contain nudity (artistic or pornographic in nature) or was otherwise offensive. These types of images will cause you to be banned from the service in the future.

• If my image is rejected will I have a chance to choose another image?

  Yes, as long as the image you submitted did not contain nudity (artistic or pornographic in nature) or was otherwise offensive.

• Do I need to re-size my photo before I start?

  No. Our design service provides a re-sizing tool (enlarge, shrink, rotate, invert, etc.) to make sizing the image to your card as easy as possible.

• How can I ensure that my card will look its best?

  Choose a clear, sharply focused image to begin with (close-ups or scenery look the best). You may also use photo editing software to enhance your photo prior to uploading if you wish however, it is not mandatory.

• Can I change the photo if I'm not happy with the preview?

  Yes. You may go back and alter the image using the available tools or upload a completely different image if you prefer and start over. Please note that once the card design has been "submitted" you will be unable to alter it further.

• What if my image doesn't fit on the card?

  The design site provides tools that will allow you to crop, rotate and alter the image to fit on your card. It is possible, however, that the image you have chosen may not fit on the card to your satisfaction. In this case, you should go back and upload a different image or just cancel out of the design session and try again at a later date when you have another image to upload.

• How long will my image be stored?

  For your convenience, we will keep your image on file until you submit a new image. When your card expires, we will send you a replacement card with the same image on it.

• How can I add the same image to another card on my account?

  If you would like to add the same image that is on your credit card to another card on your account, Contact Us. They can easily accommodate this request for you. If you upload the same image again and go through the design service to add it to a different authorized user's card, keep in mind that this will count towards your four image allowances per year.

Technical Support

• What are the system requirements to use this service?

  Please see System Requirements.

• My current browser does not support this service, what can I do?

  You will need to install one of the supported browser configurations before you can use the service. Please see System Requirements for more details.

• Do I need to download any software to use this service?

  No.

• What happens if I choose to decline the "Upload Photo" option?

  If you are a new customer and you do not submit an image, one of our standard cards will be sent to you. If you are a current customer, no change is made.

• What if my credit card looks different than the version displayed on the screen?

  It is possible that your computer monitor presents colors in a slightly different shade than our color card printing equipment. This unfortunately is unavoidable. However, we believe that you will be pleased with the quality of the card produced.

• What if I lose my computer connection at some point during the picture uploading process?

  If at anytime you lose connection with our site, you will need to start the entire design process over. We do not store any images that are in process if your connection is lost.

• Who will have access to the image that I upload?

  Except for the mandatory review for suitability that occurs for every design, your image will be handled automatically by our computer systems.

• Who do I contact if I have questions or problems uploading my picture?

  If you have any questions or problems uploading your image, Contact Us.

• How long will it take to upload my image?

  This depends on the type of Internet connection that you have and the size of the file that you are uploading. The upload time could be a few minutes, so please be patient. If you have transferred like images to other types of web services from your computer, the transfer time should be similar.

Fees

• Is there a fee to design my card?

  If applicable, all design fees will be displayed on the web prior to the start of the design process. If you would like further clarification, Contact Us.

• When my card expires and a replacement card is issued, is there a fee for keeping the custom image on my card?

  No. Your new card(s) will be sent to you with the last image submitted for each cardholder.

• Is there an annual fee for use of this service?

  There is not an annual fee for using the design service. However, if your current card has an annual fee, that fee will still apply.

• Is there a fee if my image is rejected?

  No.

Glossary

• Bitmap (.bmp)

  One of the accepted image file formats for designing a card. The method of storing information that maps an image pixel, bit by bit.

• Flip

  The process of reversing an image. When an image is flipped, the contents of the image that were on the left hand side of the image are moved to the right hand side of the image and vice versa.

• JPEG

  One of the accepted file formats for designing a card. Most digital camera images are in the .jpg format. Joint Photographic Experts Group, *.jpg. The de facto standard for image compression in digital imaging devices.

• PNG

  One of the accepted file formats for designing a card. Developed as a patent-free alternative to GIF, the Portable Network Graphics (PNG) format is used for compressing and displaying images on the World Wide Web.

• Rotate

  The process of turning an image. When an image is rotated, the contents of the picture move 90 degrees to the left or to the right every time rotate is selected. Rotation will allow the image to be turned to fit better on the card.

• Scale

  The process of making an image smaller or larger. Images can be scaled between 50% to 250% of the image's original size.

• Show Card Details

  Card details include the logo, account number, customer name, Visa^® logo and hologram that are shown on the card. The card details are placed on the card when the card is printed. Please make sure that the card details do not interfere with the image that is placed on the card before the image is submitted.

• Upload

  The process of copying an image from your computer to our site for use when designing a card. The file is copied to the site so it can be printed on the card. Please be patient when uploading the image as the upload process may take a few minutes.

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