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The Great American Home Loan Giveaway Official Rules


Official Contest Rules
These rules and conditions are the official rules ("Rules") controlling the "Great American Home Loan Giveaway" contest ("Contest") sponsored by American National Bank ("American National"), and shall supersede all prior rules relating to this Contest. These Rules shall be retroactive to January 1, 2014. By entering this Contest, you agree to be bound by these Rules and you represent that you satisfy all eligibility requirements as provided herein.

How to Enter: During the period commencing at 8:00 a.m. CST on Wednesday, January 1, 2014 and ending immediately at 6:00 p.m. CST on Wednesday, December 31, 2014, eligible persons may enter this Contest in one of two (2) ways: (1) By closing and receiving funds for a mortgage loan, mortgage refinance, home equity loan or home equity line of credit from American National in an initial principal amount equal to or greater than $10,000.00 ("Loan Entry") or (2) Eligible persons may submit their entry by sending a hand-printed, 3"x5" postcard with their name, address (city, state, zip code), telephone/cell phone number and email address to: The Great American Home Loan Giveaway, American National Bank, Attention: Marketing Department, 8990 West Dodge Road, Omaha, NE 68114 ("Mail Entry"). "Entry" or "Entries" shall mean and refer, individually or collectively, to each Loan Entry and Mail Entry.
Limitations; Eligibility: Each Loan Entry must be closed by 6:00 p.m. CST on Wednesday, December 31, 2014 and all payments due to American National in connection with such Loan Entry must be current. Each Mail Entry must be postmarked by 6:00 p.m. CST on Wednesday, December 31, 2014 and received by January 6, 2015. Limit of one (1) Entry per person/household. Group Entries are not allowed or permitted. Must be 18 years of age or older in the state of Iowa and 19 years of age or older in the state of Nebraska to enter or to win and no Entry can be made on behalf of someone else. Must be a legal resident of, and physically located within, the states of Nebraska or Iowa. Employees, directors and other representatives of American National, its affiliates and advisors, including immediate family members (i.e., spouses, children, parents, siblings or grandchildren) and members of the households of all such individuals, are not eligible to participate in the Contest. American National will only accept those Entries that are completed and submitted in accordance with the format designated above. American National will not be responsible for Entries that are altered, delayed, deleted, destroyed, forged, fraudulent, illegible, improperly accessed, inaccurate, incomplete, irregular in any way, late, lost, misdirected, multiple, non-delivered, stolen, tampered with, or otherwise not in compliance with these Rules; or for miscommunications, technical failures, unauthorized human intervention, or other errors of any kind, whether due to electronic, human, mechanical, printing production or technical errors or causes. Each such potential Entry will be disqualified. American National will make all decisions on eligibility and its decisions are final. All applicable federal, state and local laws and other regulations apply. This Contest is void where prohibited or restricted.

Prize: American National, located at 8990 West Dodge Road, Omaha, NE 68114, will award one (1) payment of $12,000.00 (referred to as the "Prize"). Total value of the Prize is $12,000.00. In case of unavailability of the Prize, American National reserves the right to substitute a prize of equal or greater value. Subject to American National's discretion, there will be no substitutions for the Prize. American National disclaims any and all liability for federal or state income taxes attributable to the Prize on behalf of the Winner. All taxes associated with the receipt of the Prize are the sole responsibility of the Winner. Winner will receive an IRS Form 1099-MISC at the end of the calendar year in which the Prize is awarded, a copy of which will be filed with the Internal Revenue Service.

Contest Drawing: At approximately 6:00 p.m. CST on Wednesday, January 7, 2015, American National will select one (1) winner ("Winner") by a random drawing from each of the eligible Entries (the "Drawing"). Odds of winning the Drawing will depend on the number of eligible Loan and Mail Entries received. The Winner will be notified by telephone or e-mail in accordance with the information provided on the applicable Entry. You need not be present to win. The Winner must take possession of his/her Prize in person by February 28, 2015. IF A SELECTED WINNER IS UNREACHABLE OR INELIGIBLE, OR FAILS TO CLAIM THE PRIZE WITHIN THE TIME PERIOD SET FORTH HEREIN, OR FAILS TO RETURN AN EXECUTED AFFIDAVIT OF ELIGIBILITY IN A TIMELY MANNER, THE WINNER WILL FORFEIT HIS/HER PRIZE. In the event of a forfeiture of the Prize, American National will, as soon as reasonably practicable, select an alternate Winner by a random drawing from the remaining eligible Entries. The alternate winner will be notified by telephone or e-mail in accordance with the information provided on the applicable Entry.

Use of Personal Data: American National will not sell or share your Entry information with anyone other than those who have a need to know such information in order for American National to perform its obligations in connection with the Contest. You will not receive any e-mails or direct mailings unless you opted to receive exclusive information from American National on the official entry form or applicable loan documents.

Additional Agreements/Waivers: By entering the Contest, you agree (a) to be bound by these Rules and to the interpretation of these Rules by American National and (b) that you, on behalf of yourself, your heirs, executors and administrators, and any other person(s) who may take by or through you, release, forever discharge and hold harmless American National and its agents, affiliates, representatives and employees from any liability whatsoever for any and all claims, demands, losses and liabilities of any nature which you may now or hereafter be entitled to assert, including but not limited to any death, injury, loss of enjoyment, property damage, or other harm or loss of any nature, any claims based on publicity rights, privacy rights, personality rights, "moral rights," or defamation, and any and all taxes levied, assessed or collected, whether caused by, contributed to, arising out of, or otherwise related to the Contest, the Prize, or your possession, acceptance, use or misuse thereof, or your other acts or omissions in connection therewith. By entering the Contest, each entrant specifically agrees that any and all claims, judgments or other awards shall be limited to actual out-of-pocket expenses incurred by the claimant, including costs associated with entering the Contest, and expressly excluding any attorney fees incurred by claimant. Each entrant also further specifically agrees to waive any and all rights for any claims for punitive, incidental or consequential damages. The Winner may be required to sign and return an Affidavit of Eligibility and Liability/Publicity Release before being awarded his/her Prize. American National reserves the right, at its sole discretion, to disqualify any individual it finds to be tampering with the entry process or the operation of the Contest, to be acting in violation of these Rules, or to be acting in an unsportsmanlike or disruptive manner or with the intent to annoy, abuse, threaten or harass any other person. Participation in the Contest and acceptance of the Prize constitutes the Winner's permission for American National to use the Winner's name, city/state, photograph, likeness, biographical information, any statements made by Winner about Contest or American National and details of winning for advertising, promotional or regulatory purposes without further notice or compensation. To obtain the name of the Winner, send a self-addressed, stamped envelope by March 31, 2015 to The Great American Loan Giveaway, American National Bank, 8990 West Dodge Road, Omaha, NE 68114.

Miscellaneous: Any Entry will be the sole and exclusive property of American National and will not be acknowledged or returned. These Rules will be available at beginning at 8:00 a.m. CST on Wednesday, January 1, 2014 until 6:00 p.m. CST on Wednesday, December 31, 2014. You may also request a hard copy of these Rules by sending a letter and a stamped self-address envelope to The Great American Loan Giveaway, American National Bank, 8990 West Dodge Road, Omaha, NE 68114. American National reserves the right, at its sole discretion, to change these Rules, including, but not limited to, modification of the Prize award procedures, and to cancel the Contest at any time prior to the deadline for receipt of Entries. All issues relating to the Contest or these Rules, including any issues regarding construction, validity, interpretation or enforceability, or the rights and obligations of the contest entrants or American National shall be governed by and construed under and enforced in accordance with the laws of the State of Nebraska without giving effect to any choice of law or conflict of law rules.



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