America Has Spoken!  PYF Challenge video submissions concluded as of July 31st, 2008

Five Finalists will kick off the PYF Challenge right here in October. Follow them on a six-month journey towards saving success and challenge yourself to get financially fit with tips from Liz Pulliam Weston, the Internet's most-read personal finance columnist and Rajive Johri, President of First National Bank of Omaha.

Can't wait? Take a look at the entry videos at www.youtube.com/pyfchallenge!

What is PYF?
You pay your bills every month, maybe even through automatically scheduled payments. However, there might be someone you're forgetting to pay – yourself. Paying yourself first is an important step toward a more secure financial future.

Pay Yourself First (PYF) before you pay your mortgage, credit cards or any other monthly bills. It starts with a direct deposit into your Online Savings Account, followed by transferring only what you need for monthly bills into your checking or BillPay account. This will maximize your earned interest and grow your savings faster.

About FNBO Direct
FNBO Direct is an Internet bank that offers consumers innovative online banking products. FNBO Direct is part of First National Bank of Omaha, a subsidiary of First National of Nebraska, Inc. First National of Nebraska has grown into the largest privately owned banking company in the United States. First National and its affiliates have $21 billion in managed assets and more than 8,000 employee associates located in 35 states. Primary banking offices are located in Nebraska, Colorado, Illinois, Iowa, Kansas, South Dakota and Texas.

No purchase, application, or use of sponsor product or service necessary to participate. You must be 18 years of age or older at the time of entry to win. All entries must be made and received by October 6, 2008 in order to be eligible for the FNBO Direct drawings. There is only one entry per person. The winners will be selected from eligible entries on October 8, 2008. Employees of sponsor and their families are not eligible. Odds of winning depend upon number of eligible entries received. Any taxes related to the prize(s) are the responsibility of the winners. Winners will be notified by phone. Sponsor and its respective employees and agents are released from any and all liability with respect to this promotion or prize. Prize acceptance constitutes permission (except where prohibited by law, individuals whose eligible entries are drawn will complete an affidavit) to use winner’s name and likeness for promotion without compensation. Winner’s name available upon request. Any dispute or concerns regarding the administration of this drawing will be resolved by the sole judgment of FNBO Direct. Void where prohibited.

* FNBO Direct will send the winner a gift card via e-mail by October 13th, 2008. The winner will receive the gift card through the e-mail account given to FNBO Direct upon completion of the survey. Amazon.com is not a sponsor of this promotion. Amazon, Amazon.com, and the Amazon.com logo are registered trademarks of Amazon.com, Inc. or its affiliates. Amazon.com Gift Cards ("GCs") may be used only for purchases of eligible goods on Amazon.com. GCs cannot be redeemed for purchases of gift certificates or cards; from some third party sellers; or at Amazon.com Auctions. GCs cannot be reloaded, resold, transferred for value, redeemed for cash or applied to any account. Amazon.com is not responsible if a GC is lost, stolen, destroyed or used without permission. See www.amazon.com/gc-legal for complete terms, restrictions and exceptions. For any other questions, see www.amazon.com/gc. GCs are issued and © 2008 by ACI Gift Cards, Inc., a Washington corporation.