No purchase necessary to win. Must be 18 years of age or older to win. Byron Bank, Byron Insurance and Byron Investments employees and members of those employees’ immediate families are not eligible to participate. One contest entry will be made automatically for each signature-based debit card transaction executed during the sweepstakes period. Entries exclude PIN-based transactions. One additional entry may be made per person at a Byron Bank branch by filling in an entry form. One gift card valued at $500 will be awarded. Winner will be notified by phone or in writing after the sweepstakes ends. Odds of winning depend on number of entries received. Byron Bank debit card requires a checking account; new checking accounts require a $100 minimum opening balance. Issuance of a Byron Bank debit card will be subject to good account standing and the Bank’s discretion. Sweepstakes period ends December 6, 2008. Prize may be reportable on IRS form 1099-int.