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FNBO Direct Encourages Savings with Debit Card Reward Program

My Deals^SM is a complimentary service for FNBO Direct's Online BillPay, a checkless checking account, and Extra Earnings Visa Credit Card account. Cardlytics powers the system that displays relevant offers to FNBO Direct account holders based on how they use their cards today. New offers appear at log in and FNBO Direct customers simply click to electronically load the offers onto their Visa card(s). Customers take advantage of the offer by using their card for the transaction at the merchant point of sale, and FNBO Direct credits the customers account for the redemption of each offer at the end of the month.

"My Deals^SM is a truly exciting initiative for our customers," said Rolland Johansen, president of FNBO Direct. "This partnership connects a money-saving rewards program to behaviors our customers already engage in--using their Visa debit and credit cards for their everyday purchases. Keeping the offers and savings electronic is a simple and convenient way for our customers to save more money."

"My Deals^SM addresses the shift in consumer behavior to not only a more digital lifestyle, but a savings lifestyle as well," says CEO of Cardlytics, Scott Grimes. "We are pleased to partner with FNBO Direct and First National Bank to offer this service."

My Deals^SM joins a robust line up of features for FNBO Direct accounts.

• BillPay¹ and Savings² Accounts both earn 1.10% APY¹ without monthly fees or minimum balance requirements.
• The Extra Earnings Visa^® Credit Card deposits cash back rewards³ into the FNBO Direct Online Savings Account.
• Electronic funds transfer and peer-to-peer payment service with Popmoney.
• Savings tools to help you maximize your earned interest.
• Online banking with 24/7 access.

Visit FNBO Direct to learn more about our account offerings and the new My Deals^SM program.

About FNBO Direct
FNBO Direct at www.fnbodirect.com 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 $18 billion in managed assets and nearly 5,000 employee associates located in 35 states. Primary banking offices are located in Nebraska, Colorado, Illinois, Iowa, Kansas, South Dakota and Texas.

About Cardlytics
Through a highly relevant, "market-of-one" approach; Cardlytics unites banks and merchants to provide rich rewards to customers based on their individual purchase behavior. Its technology tracks consumers' actual purchases, providing the first digital channel that can guarantee offline sales and help consumers realize savings of hundreds of dollars per year on the products they purchase every day. The rewards improve consumers' banking behavior by increasing usage, reducing attrition and strengthening engagement with online banking. Cardlytics' multi-channel approach includes online banking, SMS, e-mail, mobile, online-mall and social networks. For more information about Cardlytics, visit www.cardlytics.com.

¹ FNBO Direct Online BillPay Account Annual Percentage Yield is accurate as of 08/30/2010 and is subject to change after that date. Rates may also change after the account is opened. Fees may reduce earnings. Minimum deposit to open an account is $1.00. Maximum principal deposit balance: $1,000,000. See the online Disclosures for additional information and limitations.

² FNBO Direct Online Savings Account Annual Percentage Yield is accurate as of 08/30/2010 and is subject to change after that date. Rates may also change after the account is opened. Fees may reduce earnings. Minimum deposit to open an account is $1.00. Maximum principal deposit balance: $1,000,000. See the online Disclosures for additional information and limitations.

³ Your percentage back accumulates as points and is redeemable in $25 (2,500 point) increments. Cards are issued by First Bankcard, a division of First National Bank of Omaha.

Copyright (c) 2010 First National Bank of Omaha. All Rights Reserved. Deposit Accounts offered by First National Bank of Omaha, Member FDIC. Deposits are insured to the maximum permitted by law.

FNBO Direct
Kevin Langin, 402-602-3541
klangin@fnni.com