Football Frenzy 2013 Official Rules

NO PURCHASE NECESSARY.  A PURCHASE WILL NOT IMPROVE YOUR CHANCES OF WINNING.

Arbor’s Football Frenzy Contest sponsored by Arbor Commercial Mortgage, LLC (“Arbor”)

TO ENTER: Go to http://Arbor.pooltracker.com/pickem/. You will arrive at the ‘Registration’ page for Arbor’s Football Frenzy Contest (the “Contest”) where you will fill in your username, password, contact information, Arbor sales representative and qualitative questions.  Each week you must enter your weekly picks of winners in each of the National Football League (NFL) match-ups against the point spread. You must follow Pool Tracker’s official rules regarding deadlines, pick submissions and other details for the contest. One entry per person. At the conclusion of the contest upon the NFL season’s end, there will be one First Place Grand Prize Winner of a $1,500 gift card, or a comparable item selected by Arbor in its sole discretion, which will be given to the participant with the most total wins. In the event of a tie, the winner be selected based on their cumulative, season-long numerical accuracy for predicting the final total score of each week’s Monday Night Football Game. Each week in the 17-week contest, there will also be one Weekly Top Performer Prize winner of a $50 gift card, or a comparable item selected by Arbor at its sole discretion, given to the participant with the most total wins for the current week only. In the event of a tie, the winner will be selected based on their numerical accuracy for predicting the final total score of that week’s Monday Night Football Game. If, for any reason, more prizes are available or claimed than the stated number for the First Place Grand Prize or Weekly Top Performer Prize, or further ties cannot be resolved via stated contest rules, Arbor reserves the right to randomly draw winners from eligible prize winners. Deadline for contest entry is September 5, 2013 at 8:00 pm EDT. The First Place Grand Prize winner will be named upon the completion of the Arbor’s Football Frenzy Contest on or about January 2, 2014. Weekly Prize winners will be named at the conclusion of each week’s schedule of NFL games on or about each Wednesday from September 11, 2013 to January 2, 2014. The winners will be notified by e-mail, mail and/or phone approximately one week after the end of the contest.

Winners are solely responsible for all federal, state and local taxes, if any, on prizes and any expenses.

To be eligible as a contest participant and for prizes, you must have your name, company name and e-mail address in Arbor’s client database as of September 5, 2013. Employees of Arbor Commercial Mortgage, LLC; Arbor Residential Mortgage, LLC; Arbor Realty Trust, Inc.; and AMS Servicing, LLC and their immediate family members and their advertising agencies are not eligible for prizes. All federal, state and/or local regulations apply.  This Contest is open to legal residents of the 50 United States or the District of Columbia, 21 years of age or older.  Void where prohibited by law. Arbor reserves the right to substitute a prize of equal or comparable value if any prize becomes unavailable. This Contest is subject to complete official rules.  For the complete official rules, contact Christopher Ostrowski at costrowski@arbor.com.

OFFICIAL RULES

Arbor’s Football Frenzy Contest, sponsored by Arbor Commercial Mortgage, LLC
NO PURCHASE NECESSARY.  A PURCHASE WILL NOT IMPROVE YOUR CHANCES OF WINNING.
By entering the contest, you agree to these Official Rules.

1. TO ENTER: Go to http://Arbor.pooltracker.com/pickem/. You will arrive at the ‘Registration’ page for Arbor’s Football Frenzy Contest (the “Contest”) where you will fill in your username, password, contact information, Arbor sales representative and qualitative questions.  Each week you must enter your weekly picks of winners in each of the National Football League (NFL) match-ups against the point spread. You must follow Pool Tracker’s official rules regarding deadlines, pick submissions and other details for the contest. One entry per person. At the conclusion of the contest upon the NFL season’s end, there will be one First Place Grand Prize Winner of a $1,500 gift card, or a comparable item selected by Arbor in its sole discretion, which will be given to the participant with the most total wins. In the event of a tie, the winner be selected based on their cumulative, season-long numerical accuracy for predicting the final total score of each week’s Monday Night Football Game. Each week in the 17-week contest, there will also be one Weekly Top Performer Prize winner of a $50 gift card, or a comparable item selected by Arbor at its sole discretion, given to the participant with the most total wins for the current week only. In the event of a tie, the winner will be selected based on their numerical accuracy for predicting the final total score of that week’s Monday Night Football Game. If, for any reason, more prizes are available or claimed than the stated number for the First Place Grand Prize or Weekly Top Performer Prize, or further ties cannot be resolved via stated contest rules, Arbor reserves the right to randomly draw winners from eligible prize winners. Deadline for contest entry is September 5, 2013 at 8:00 pm EDT. The First Place Grand Prize winner will be named upon the completion of the Arbor’s Football Frenzy Contest on or about January 2, 2014. Weekly Prize winners will be named at the conclusion of each week’s schedule of NFL games on or about each Wednesday from September 11, 2013 to January 2, 2014. The winners will be notified by e-mail, mail and/or phone approximately one week after the end of the contest. All entries become the property of Arbor and will not be acknowledged or returned.  Any other attempted form of entry is prohibited; no automatic, programmed; robotic or similar means of entry are permitted.

2. ELIGIBILITY:  Open to legal residents of the 50 United States or the District of Columbia, 21 years of age or older.  To be eligible as a contest participant and for prizes, you must have your name, company name and e-mail address in Arbor’s client database as of September 5, 2013. Employees of Arbor Commercial Mortgage, LLC; Arbor Realty Trust, Inc.; Arbor Residential Mortgage, LLC; and AMS Servicing, LLC and their immediate family members and their advertising agencies are not eligible for prizes.

3. SPONSOR: This contest is sponsored by Arbor Commercial Mortgage, LLC.

4. PRIZES

A. FIRST PLACE GRAND PRIZE: One (1) $1,500.00 American Express gift card or other comparable item selected by Arbor in its sole discretion.  Once the First Place winner is notified, the winner must sign a release form before receiving the gift card.

B. WEEKLY TOP PERFORMER PRIZE: One (1) $50.00 American Express Gift Card or other comparable item selected by Arbor in its sole discretion. Once the Weekly Top Performer Prize winner is notified, the winner must sign a release form before receiving the gift card.

5. ODDS: The odds of winning will depend upon the the number of contest participants and the quality of the contest participants’ game pick submissions and the associated results of the weekly 2013 NFL games.

6. CONTACT & WINNERS’ LIST: The winners will be contacted via e-mail, mail and/or phone each week.

For confirmation of the winners, mail a self-addressed stamped envelope to “Winner List, Arbor Commercial Mortgage, LLC, Attention: Marketing Department, 333 Earle Ovington Blvd., Suite 900, Uniondale, NY 11553.”  Mail must be postmarked by January 9, 2014. Confirmation will be sent once the prize has been awarded.

7. DISCLAIMERS: All federal, state, and/or local rules and regulations apply. Void outside of the United States and where prohibited or restricted by law. Winners are solely responsible for any and all taxes, and any other expenses associated with their acceptance and use of any prize. Arbor is not responsible for technical, hardware, software, telephone or Internet access failures of any kind, lost or unavailable network connection or failed or incomplete, garbled or deleted computer or network transmissions which may limit the ability to participate in this contest. Arbor reserves the right at its sole discretion to cancel or suspend this contest or any part thereof should virus, bugs, unauthorized human intervention or other causes beyond its control corrupt or affect the administration, fairness or proper conduct of this contest, including terminating just one phase or portion of the promotion.

By participating, participants accept and agree to abide by the Official Rules and all decisions of Arbor and its administration organizations, which are final and legally binding in all respects. No substitution or transfer to a third party of all or any part of prize permitted. If, for any reason, a prize cannot be awarded or winner is not capable of redeeming a prize, Arbor is not obligated to award it and Arbor reserves the right, in its sole discretion, to substitute the prize with a prize of comparable or greater value or cash value.  If, for any reason, more prizes are available or claimed than the stated number, Arbor reserves the right to randomly draw winners from eligible prize.  Non-compliance with these Official Rules may result in disqualification.

8. RESTRICTIONS/RELEASE: No more than one entry per person. Prizes are not transferable, redeemable for cash or substitutable for any other item by the winner. Arbor reserves the right to substitute a comparable prize of equal or greater value for any prize, for any reason. By entering this contest, the contestants, Arbor’s affiliates and employees and all others associated with the development and execution of this contest are exempt from and against any and all liability with respect to, or in any way arising from, the contest and the awarding and use of the prizes, including liability for personal injury, death and/or property damage, or any claims based on publicity rights, defamation or invasion of privacy and merchandise delivery.

9. NO PRIZE WARRANTY:  WITHOUT LIMITING THE FOREGOING, THE PRIZE IS PROVIDED “AS IS” WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE OR NON-INFRINGEMENT.

10.  PRIVACY NOTICE: To view Arbor’s Customer Privacy Policy please go to http://www.arbor.com/PrivacyPolicy.aspx

Arbor may use information collected from the entry to forward material about products or services from Arbor that we feel may be of interest on occasion, Arbor may share such information with other units within the Arbor family of companies. In addition, Arbor may share this information with carefully screened external entities whose products might prove interesting to you. If you do not wish to have your name shared within Arbor or with companies outside of Arbor, or if you wish to review the accuracy of the information you’ve provided, or if you have any questions about our privacy practices, please send us a note with your name, address to Arbor Commercial Mortgage, LLC, Attention: Marketing Department, 333 Earle Ovington Blvd., Suite 900, Uniondale, NY 11553.

11. DISQUALIFICATION: In the event that the winner fails to claim the prize within one week of notification, or fails to meet the eligibility requirements of this contest, an alternate winner will be selected based on next best win record.

12. DISPUTES: In case of dispute as to the identity of any entrant, entry will be declared made by the Authorized Account Holder of the e-mail address. “Authorized Account Holder” is defined as the natural person who is assigned an e-mail address by an Internet access provider, online service provider, or other organization (e.g., business, educational, institution, etc.) responsible for assigning e-mail addresses or the domain associated with the submitted e-mail address. Any potential winner may be requested to provide Arbor with proof that such winner is the authorized account holder of the e-mail address associated with the winning entry.  By entering, entrants accept and agree to be bound by these official rules and the decisions of Arbor, which shall be final.

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