The Pay Yourself First Challenge. FNBO Direct

Pay Yourself First Challenge Official Rules

NO PURCHASE NECESSARY.

  1. ELIGIBILITY: Open to U.S. residents who have a valid user account with YouTube. The following individuals are not eligible: FNBO employees, contractors, directors and officers of FNBO, YouTube, and each of their respective parent, subsidiaries and affiliated companies, distributors, web design, advertising, fulfillment, judging and Contest agencies involved in the administration, development, fulfillment and execution of this Contest collectively, ("Contest Parties"), and the immediate family members (spouse, parent, child, sibling and spouse or "step" of each) and those living in the same households of each.
  2. TO ENTER: Create a 10- to 60 second video in response to the following:

    FNBO Direct wants to hear about your savings obstacles. Have you been struggling to save for college tuition or a wedding, pay off medical bills, go on the vacation of a lifetime or just get out of debt? Whatever the reason, we want to hear about it. Make us laugh. Make us cry. Make us say, "Wow! This person really needs to learn how to Pay Yourself First!"

    To enter your video in the FNBO Direct Pay Yourself First Challenge, log on to the YouTube Web site and complete the following process between 12:01 a.m. EDT on May 6, 2008 and 11:59:59 pm EDT on July 31, 2008 ("Contest Entry Period"). Once entered, you will be considered for the FNBO Direct Pay Yourself First Challenge.

    You must complete both of the following steps:

    • Step One: Create a 10- to 60-second video about your savings obstacles.
    • Step Two: Visit www.youtube.com
      Current YouTube users can use their existing YouTube account. New users can create a new YouTube account by clicking the "Sign Up" link at the upper right hand corner of any YouTube page.
    • Step Three: Upload Your Video
      Once you've created and finished editing your video, make sure it's in an acceptable file format (AVI, MOV, WMV or MPG), and you're ready to upload.
      1. Click the "Upload" button in the upper right-hand corner of any YouTube page.
      2. Enter as much information about your video as possible, including Title, Description, Tags and Category. The more information you include, the easier it is for visitors to find your video.
      3. Set your video to "Public".
      4. Click the "Upload a Video" button.
      5. In the next window, click the "Browse" button to locate and select your video file on your computer.
      6. Click the "Upload Video" button.

      Please note that it can take several minutes for your video file to upload from your computer to YouTube.

    • Step Four: Submit Your Video to the PYFChallenge YouTube Group
      Once you've uploaded your video to your YouTube account, you're ready to enter the Pay Yourself First Challenge. Submissions to the Group page are the preferred method, however, we will also accept submissions to the Channel page.
      1. Read the FNBO Direct Official Rules at www.pyfchallenge.com/officialrules. By submitting your video to the PYFChallenge YouTube Group, you agree to the terms of the contest.
      2. Visit www.youtube.com/group/pyfchallenge
      3. Click "Join This Group" on the upper right hand corner of the page. Your membership request will be sent to PYFChallenge. We will respond to your request within two business days via e-mail.
      4. Once you have been accepted into the PYFChallenge group, visit www.youtube.com/group/pyfchallenge and click the "Add Videos" link on the upper right hand corner of the page.
      5. Select your video from your YouTube account and click the "Add to Group" button to submit your video to the Pay Yourself First Challenge. All video submissions must be approved by PYFChallenge before they will become available for viewing on the PYFChallenge YouTube Channel.
      6. Regularly check the e-mail account associated with your YouTube account. FNBO will contact each individual who submits a video to obtain current contact information for use during the selection process. Any changes made to the Official Rules will be sent to you at the e-mail account associated with your YouTube account.
    • Step Five: Tell your co-workers, friends and family to check out your video online. The more people you tell, the more people can rate your video. Make sure to tell them to view your video at http://www.YouTube.com/PYFChallenge.
    • Step Six: Regularly check your YouTube e-mail. FNBO will contact each individual who submits a video to obtain current contact information for use during the selection process. Any changes made to the Official Rules will be sent to you at the e-mail account associated with your YouTube account. This information will not be sold or used for any other purposes.

    If you do not complete Step Four, your submission will not be entered into the Contest and will not be eligible for a prize. Sponsor is not responsible for Entrant's failure to complete each step of the registration process in a timely fashion. Registration must be completed by 11:59:59 pm EDT on July 31, 2008, or your submission will not be entered into the Contest. You may enter up to five (5) submissions as long as the same (or substantially similar) submission is not uploaded more than once. IMPORTANT: Be sure to save your submission in the original format after uploading it to the YouTube Contest Brand Channel. If you are a selected as a semi-finalist, you will need to provide FNBO Direct with your submission in its original format in the event that your video will be aired for promotional purposes.

  3. CONDITIONS OF ENTRY: As conditions of entry into this Contest and by uploading and entering a Submission, Entrant warrants and represents that the Submission (a) is original and has been legally created; (b) does not infringe the intellectual property, privacy or publicity rights or any other legal or moral rights of any third party; (c) has not been entered in or won previous contests or awards; and (d) has not been published or distributed previously in any media. Entrant represents that he/she owns all rights to his/her Submission, including, without limitation, the copyrights in the recording and the performance contained therein. Entrant further represents and warrants that the Entrant has obtained permission from each person whose name, image, likeness or voice ("Likeness") is included in the Submission, and that such person(s) have granted Entrant all necessary rights to use the person's Likeness as described in these rules, and that Entrant can make written copies of such permissions available to the Sponsor upon request. If the Likeness of a minor is included, such grant of rights must include written permission from the minor's parent or legal guardian authorizing the use of the minor's likeness on behalf of the minor. By uploading a Submission, Entrant irrevocably grants Sponsor and its affiliates, legal representatives, assigns, agents and licensees the unconditional and perpetual right and permission to reproduce, encode, store, copy, transmit, publish, post, broadcast, display, publicly perform, adapt, exhibit and/or otherwise use or reuse (without limitation as to when or to the number of times used), the Entrant's Submission, including, but not limited to, the recording and the performances contained therein (in each case, as submitted or as edited/modified in any way by the Sponsor, in its sole discretion), as well as to use Entrant's name, likeness, photograph (collectively, "Likeness"), and/or statements regarding his/her participation in this Contest (with or without using the Entrant's name) in any and all media without limitation as to time or territory, and without additional compensation or approval from the Entrant or any other party. Entrant waives intellectual property rights, privacy/publicity rights or other legal or moral rights that might preclude the Sponsor's use of the submission, and agrees not to sue or assert any claim against the Sponsor for the use of the Submission or Entrant's Likeness or statements. Entrant agrees to indemnify and hold Sponsor, its agencies and their respective affiliates, officers, directors, agents, co-branders or other partners, and any of their employees (collectively, the "Indemnities"), harmless from any and all claims, damages, expenses, costs (including reasonable attorneys' fees) and liabilities (including settlements), brought or asserted by any third party against any of the Indemnities due to or arising out of the Entrant's Submission, or the Entrant's conduct in creating a Submission or otherwise in connection with this Contest, including but not limited to claims for trademark infringement, copyright infringement; violation of an individuals right of publicity or right of privacy; or defamation. Entrant further agrees to release Sponsor from any and all claims that any advertising subsequently produced, presented, and/or prepared by or on behalf of Sponsor infringes Entrant's rights with regard to any elements, characters or ideas contained in any submission.
  4. SUBMISSION FORMAT AND CONTENT REQUIREMENTS:
    Technical Requirements: The maximum file size for any video file uploaded to YouTube is 100 MB. Video file(s) must be provided in one of the following file formats: avi, mov, mpg, or wmv. See the YouTube User Terms of Use located at http://youtube.com/t/terms for additional details.

    Additional Requirements: The video must be 60 seconds or less in length, including any tags, and must be primarily in English. Once you complete and submit your video, your Submission is final and may not be modified or edited. No Submissions will be returned. The person named as the registered owner of the user account on YouTube associated with the Submission and named on the Contest Registration form for the Submission must match, and that person will be deemed the entrant ("Entrant"). In the event of dispute regarding the identity of an Entrant, dispute will be resolved in favor of the individual who is the "authorized e-mail account holder" of the e-mail address provided when the YouTube user account was created. "Authorized e-mail account holder" is defined as the natural person assigned an e-mail address by an Internet access provider, online service provider, or other organization (i.e., business, education institution) responsible for assigning e-mail addresses for the domain associated with the submitted e-mail address. If any group of individuals elects to collaborate on a Submission, they are required to designate one (1) representative to enter the Contest and accept the prize on behalf of the group. Neither the Sponsor nor any of the Contest Parties are liable for any disputes between collaborators related to a Submission. Please note the following:
    • Any elements in your Submission, including without limitation music, audio, speech/voiceovers, stills, video, supers, or other audiovisual materials used must be 1) entirely original, created and performed by you, 2) be in the public domain, 3) or be downloaded from the Director's Tools section of the YouTube Web site. Approved music, audio sound effects, graphics and product shots ("Cleared Elements") are provided by Sponsor for use in your Submission and may not be altered. By downloading and/or using of any of these Cleared Elements you agree to the terms of use for these elements provided on the Director's Tools page. Use of any elements, including without limitation music, audio, speech/voiceovers, video, stills, visuals or other materials that are not original, in the public domain or downloaded from the Web site may result in disqualification of Submission, in Sponsor's sole discretion.
    • All Submissions will be reviewed before being published or judged; however, publication of a Submission does not mean the Submission has been deemed to be in compliance with these rules. Submissions that do not comply with the YouTube Terms of Use or these Official Rules or that otherwise contain prohibited or inappropriate content as determined by the Sponsor, in its sole discretion, will be disqualified and will not be considered for a prize.
    • Submissions shall not contain, include or involve any of the following: Obscenity; Crude, vulgar or offensive pictures, depictions, images, language and/or symbols; Gang signs or symbols; Nudity; Derogatory characterizations of any ethnic, racial, sexual or religious groups, humiliate other people (publicly or otherwise), any assault or threatening of others; Trespass or the violation of other people's rights or property; Illegal (e.g., discriminatory, harassing) or inappropriate activity, behavior or conduct (e.g., inflicting emotional distress); Conduct or activities in violation of these Official Rules; Any other content, display, materials and/or images that is or could be considered inappropriate, unsuitable or offensive, as determined by the Sponsor.
  5. SELECTION OF CONTESTANTS:
    1. First round of judging: Submissions will be judged by FNBO Direct who will evaluate each eligible submission based on the following:
      • Compelling personal story about why you need to save (50%)
      • Overall creativity and originality (25%)
      • Adherence to FNBO Direct and YouTube rules and regulations (25%)
      The top 20 videos with the highest score will move on to round 2.
    2. Second round of judging: The top 20 semi-finalists will go through a rigorous interview process, including background, criminal and credit checks. From there, the final five (5) finalists will be chosen to participate in the FNBO Direct Pay Yourself First Challenge, which occurs between October 2008 and April 2009. The five (5) finalists will be required to sign-up for an FNBO Direct Online Savings Account and Online BillPay in order to be eligible to compete in the Challenge. Specific details about the Challenge, and the level of involvement, will be given to the selected five (5) finalists. The final five challengers will be selected based upon:
      • Compelling personal story about why you need to save (50%)
      • Winning/engaging personality (15%)
      • Availability for "Challenger Kick-Off," which encompasses video session/photo shoot/training in early September 2008 (10%)
      • Willingness / ability to participate in ongoing blogging and promotional activities (15%)
      • Pass background, credit and criminal checks (10%)
  6. PRIZES:

    The first 500 entrants will receive a $10 Amazon.com® Gift Card* with a video submission that meets the requirements listed in section four of the Official Rules on or before July 31, 2008. FNBO Direct will send your gift card via e-mail to qualifying recipients within 30 days of video submission. You will receive your gift card through the e-mail account associated with your YouTube account. Each video must be different to receive more than one gift card (limit five).

    FNBO Direct will give $500 to the top 20 contestants.

    FNBO Direct will match each of the top five finalist's savings accrued from October 2008 - April 2009. Each finalist will receive a 100% match, not exceeding $5,000 each.

    ONE (1) GRAND PRIZE: The grand prize winner will receive a "Restore Your Balance" vacation to a luxurious resort and spa, not to exceed $7,500. The winner will also have the option to receive cash in place of the travel voucher. The grand prize winner will be selected based on the following criteria:

    • Saved the most money during the challenge – based on percentage increase, rather than dollar amount saved (50%)
    • Ranking by financial experts based on challenger's saving skill level: tactics for saving, ability to meet saving goal, and sharing saving challenges and solutions with PYF community (20%)
    • Vote by American public via poll on www.PYFChallenge.com that judges the challengers' saving skill level: tactics for saving, ability to meet saving goal, and sharing saving challenges and solutions with PYF community (20%)
    • Adherence to contest requirements, including active participation in the challenge activities such as blogging on www.PYFChallenge.com, and other promotional activities (10%)

    TOTAL ANNOUNCED PRIZE VALUE: $47,500.00. The grand prize winner will receive up to $7,500 for the vacation. Up to $5,000 will be matched for each of the five finalists totaling $25,000. Up to $5,000 will be given for YouTube submissions. The Top 20 semi-finalists will each receive $500 totaling $10,000.

  7. GENERAL CONDITIONS: Potential Semi-Finalists will be required to irrevocably assign and transfer to Sponsor any and all rights, title and interest in his/her Submission, including, without limitation, all copyrights, and agree to waive all moral rights in that Submission. In order to qualify, Semi-Finalist must agree that their image and likeness can be used for promotional purposes (including media interviews and photo opportunities) during, and immediately following, the Contest. Semi-Finalists will be required to complete, sign and return an Affidavit of Eligibility, Liability Release, Copyright Assignment and, where lawful, a Publicity Release. All completed documents must be returned to Sponsor within five (5) days of the date notice was sent or Semi-Finalist status will be forfeited and an alternate Semi-Finalist may be selected. The Grand Prize and Runner-Up Winners may also be required to sign additional documents, as deemed necessary by Sponsor in its sole discretion. Grand Prize and Runner-Up Winners are solely responsible for any taxes on their respective prizes. No substitution of prize is offered, except at the sole discretion of the Sponsor. Prizes are non-transferable. If for any reason the Contest is not capable of running as planned, including without limitation, infection by computer virus, bugs, tampering, unauthorized intervention, fraud, technical failures, or any other causes which corrupt or affect the administration, security, fairness, integrity or proper conduct of the Contest, Sponsor reserves the right, at its sole discretion to cancel, modify or terminate the Contest. Further, Sponsor reserves the right, at its sole discretion, to disqualify any individual deemed to be (a) tampering or attempting to tamper with the entry process or the operation of the Contest or any Sponsor or YouTube; (b) violating the Official Rules; (c) not abiding by the PYF Challenge contract (d) violating the YouTube Terms of Service, (e) acting in an unsportsmanlike or disruptive manner, or with intent to annoy, abuse, threaten or harass any other person. Sponsor reserves the right to require a grand prize and/or runner-up winners to submit to a confidential background check to confirm eligibility as a condition of awarding the prize to help ensure that the use of any such person in advertising or publicity for the Contest will not bring Contest Parties into public disrepute, contempt, scandal or ridicule or reflect unfavorably on the Contest as determined by Sponsor in its sole discretion. FNBO Direct is not responsible for comments or postings on individual YouTube users' pages. The comments or postings expresses the view of the person submitting that information and does not necessarily represent the views of FNBO Direct, First National Bank of Omaha, its affiliates or any entity associated with FNBO Direct.
  8. LIMITATIONS OF LIABILITY AND RELEASE: No liability or responsibility is assumed by Sponsor or Contest Parties resulting from any user's participation in or attempt to participate in the Contest or ability or inability to upload or download any information in connection with participating in the Contest. No responsibility or liability is assumed by the Sponsor or Contest Parties for technical problems or technical malfunction arising in connection with any of the following occurrences which may affect the operation of the Contest: hardware or software errors; faulty computer, telephone, cable, satellite, network, electronic, wireless or Internet connectivity or other online communication problems; errors or limitations of any Internet service providers, servers, hosts or providers; garbled, jumbled or faulty data transmissions; failure of any e-mail transmissions to be sent or received; lost, late, delayed or intercepted e-mail transmissions; inaccessibility of the Web site in whole or in part for any reason; traffic congestion on the Internet or the Web site; unauthorized human or non-human intervention of the operation of the Contest, including without limitation, unauthorized tampering, hacking, theft, virus, bugs, worms; or destruction of any aspect of the Contest, or loss, miscount, misdirection, inaccessibility or unavailability of an e-mail account used in connection with the Contest. Sponsor and Contest Parties are not responsible for any typographical errors in the announcement of prizes or these Official Rules, or any inaccurate or incorrect data contained on the Web site. Use of Web site is at user's own risk. Sponsor and the Contest Parties are not responsible for any personal injury or property damage or losses of any kind which may be sustained to user's or any other person's computer equipment resulting from participation in the Contest, use of the Web site or the download of any information from the Web site. By participating in the Contest, the Entrant releases Sponsor and Contest Parties from any and all claims, damages or liabilities arising from or relating to such Entrant's participation in the Contest. By accepting a prize in the Contest, winners agree that the Sponsor and Contest Parties shall not be liable for any loss or injury resulting from participation in the Contest, acceptance or use of any prize. Sponsor and Contest Parties are not liable in the event that any portion of the Contest or scheduled commercial broadcast is cancelled due to weather, fire, strike, acts of war or terrorism, or any other condition beyond their control (a "Force Majeure Event"). Should a Force Majeure Event occur, Sponsor may, but is not obligated to, exercise commercially reasonable efforts to air the Grand Prize and Runner-Up Prize winning commercials at another time or make a reasonable substitution in its sole discretion.

Sponsor: FNBO Direct

*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. GC's are issued and © 2008 by ACI Gift Cards, Inc., a Washington corporation.

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