Official Refinance Analysis Survey Rules

OFFICIAL RULES:

MARKETPLACE HOME MORTGAGE, L.L.C.

SWEEPSTAKES

CONSUMER DISCLOSURE: NO PURCHASE OR PAYMENT OF ANY KIND NECESSARY TO ENTER OR WIN THIS SWEEPSTAKES.  A PURCHASE WILL NOT IMPROVE YOUR CHANCE OF WINNING.

DESCRIPTION: Sweepstakes entry begins at 12:01 a.m. CT on November 7, 2017, and ends at 11:59 p.m. CT on February 28, 2018 (“Entry Period”).  At the end of the Entry Period, a random drawing will be conducted from among all eligible entries (see Eligibility requirements below) received during the Entry Period to select one (1) Grand Prize winner.  Marketplace Home Mortgage, L.L.C. (“Marketplace”) is the sponsor of this Sweepstakes.  The Sweepstakes will be subject to these Official Rules and by entering all participants agree to be bound by the terms and conditions herein.

ENTERING: No purchase necessary to enter to win.  To enter, participant must complete the Analysis Survey found at: mhmrefisurvey.com.  Upon completion, participant will receive one (1) entry into the Sweepstakes.  Completing multiple surveys in order to exceed the limit of entries permitted by these Official Rules may result in the disqualification of all entries from all such individuals.

ELIGIBILITY: Open to legal residents of the United States and D.C., age 18 or older or the age of majority in your state of legal residence, whichever is older.  Void where prohibited by law.  All Marketplace employees, directors and officers, as well as their immediate families (parents, siblings, children and spouse) and persons living in the same household (whether related or not), are not eligible to participate.  Entries must be complete to be eligible.  Limit one entry per person.  The Sweepstakes is subject to all applicable federal, state, municipal, territorial and local laws and regulations.  Submission of official entry or participation in these Sweepstakes constitutes full and unconditional agreement to these Official Rules.  The decisions of Marketplace with regards to entries, eligibility and all Official Rules for these Sweepstakes shall be final and binding.

GRAND PRIZE: The Grand Prize award winner will receive an amount made payable to such winner equal to the principal and interest due and payable for the winner’s primary residence mortgage loan amortized for the calendar month of April 2018, or alternatively as the case may be, an amount equal to the base rent due and payable for the winner’s primary rental residence for the same calendar month, a value limited in every instance to no more than $1,500.00.  In no instance whatsoever will the Grand Prize award take into consideration any past due amount and/or interest or penalties due on the winner’s primary residence mortgage loan or lease.  To the extent that such winner’s regularly scheduled primary residence mortgage loan or lease payment includes any amounts other than principal and interest amortized, or base rent, for one calendar month, including without limitation, any taxes, insurance or other amounts, Marketplace will not be responsible for such amounts.  No prize award substitutions allowed.  Prize awards are non-transferable and are not redeemable for cash.  Monthly mortgage loan and base rent payment values vary and must be redeemed within three (3) months from award date.  All expenses associated with the use and/or redemption of the Grand Prize award are the sole responsibility of winner.

WINNING: One (1) Grand Prize award winner will be selected from all eligible entries received by random electronic drawing conducted by Marketplace on or about March 7, 2018, at Marketplace’s Corporate offices.  Winner need not be present to win.  Official notice to winner will be sent by electronic mail or private message on or about March 8, 2018.  The Grand Prize award must be claimed within twenty (20) days of notification.  If the prize award is not claimed, it will be awarded in a subsequent random electronic drawing until a selected winner claims the prize.  Winners are responsible for any income tax or tax withholdings resulting from prize award.

ODDS OF WINNING: The odds of winning a prize award depend upon the total number of eligible entries received.  The Grand Prize will be awarded provided a sufficient number of eligible entries are received and the award is validly claimed by April 10, 2018, after which no alternate winners will be selected, nor unclaimed prize awarded.

GENERAL RULES: Marketplace reserves the right at its sole discretion to modify, terminate or suspend all or portion of this Sweepstakes should non-authorized human interference, fraud, printing errors, Internet viruses, hackers or other causes beyond the control of Marketplace corrupt or impair administration, security, fairness or proper operation of this Sweepstakes.  Marketplace assumes no responsibility for lost, late or illegible entries.  Marketplace is not liable for injury, loss or damage of any kind resulting from acceptance or use of a prize(s) or participation in this Sweepstakes.  The name of the Grand Prize winner can be obtained after May 1, 2018, by mailing a self-addressed stamped envelope to: Marketplace Home Mortgage, L.L.C., 7380 France Avenue S., Suite 200, Edina, MN 55435.

By entering in these Sweepstakes, each entrant agrees to Marketplace contacting entrant for the purposes of administering the Sweepstakes and distributing any prize and award.  Certain nonpublic personal information with respect to your current loan may be collected in connection with the Sweepstakes.  All questions or disputes regarding eligibility for these Sweepstakes, as well as the Grand Prize award, or an entrant’s compliance with these Official Rules will be resolved by Marketplace in its sole discretion.

Limitation of Liability:  Marketplace is not responsible for incorrect or inaccurate transcription of information, for problems related to any of the equipment or programming associated with these Sweepstakes, for any human error, for any interruption, deletion, omission, defect, or line failure of any telephone network or electronic transmission, for problems relating to computer equipment, software, inability to access the website or online service, or for any other technical or non-technical error or malfunction. In the event of a printing error or irregular packaging, neither Marketplace or any related companies, parents, subsidiaries, affiliates, and respective agents and their agencies, suppliers and other companies involved in the development or execution of the Sweepstakes or the production or distribution of Sweepstakes materials (“Releasees”) shall have any liability. UNDER NO CIRCUMSTANCES, INCLUDING, BUT NOT LIMITED TO, NEGLIGENCE, SHALL ANY OF THE RELEASEES BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL OR CONSEQUENTIAL DAMAGES ARISING OUT OF THESE SWEEPSTAKES OR MERCHANDISE OFFERED, EVEN IF ANY OR ALL OF THE FOREGOING OR ANY OF THEIR AUTHORIZED REPRESENTATIVES HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. IF MARKETPLACE IMPROPERLY DENIES A WINNER ANY PRIZE, LIABILITY WILL BE LIMITED TO THE EQUIVALENT AMOUNT OF APPROXIMATE RETAIL VALUE. BY PARTICIPATING IN THESE SWEEPSTAKES, AN ENTRANT WAIVES ANY AND ALL RIGHTS TO BRING ANY CLAIM OR ACTION RELATED TO SUCH MATTERS IN ANY FORUM BEYOND 1 YEAR AFTER THE FIRST OCCURRENCE OF THE KIND OF ACT, EVENT, CONDITION OR OMISSION UPON WHICH THE CLAIM OR ACTION IS BASED. TO THE FULLEST EXTENT ALLOWABLE BY LAW, THE RELEASEES SPECIFICALLY DISCLAIM ANY REPRESENTATIONS OR WARRANTIES, EXPRESS OR IMPLIED, REGARDING THE PRODUCTS AND/OR SERVICES, INCLUDING ANY IMPLIED WARRANTY OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE AND IMPLIED WARRANTIES ARISING FROM COURSE OF DEALING OR COURSE OF PERFORMANCE.  Some jurisdictions do not allow limitations on how long an implied warranty lasts, so the above limitation may not apply to all. Sweepstakes winners agree to rely solely on the manufacturer’s warranties, if any, for any prize.  As a condition of participating, each entrant agrees that: (a) any action at law or in equity arising out of or relating to these Official Rules or the website shall be filed, and that venue properly lies, only in state or federal courts located in Minneapolis, Minnesota, and entrants hereby consent and submit to the personal jurisdiction of such courts for the purposes of litigating any such action; (b) any and all claims, judgments and awards shall be limited to actual out-of-pocket costs incurred, including costs associated with entering these Sweepstakes, but in no event attorneys’ fees; (c) any and all claims shall be resolved individually, without resort to any form of class action; and (d) under no circumstances will entrant be permitted to obtain awards for, and entrant hereby waives all rights to claim, indirect, punitive, incidental and consequential damages and any other damages, other than for actual out-of-pocket expenses, and any and all rights to have damages multiplied or otherwise increased.  These Official Rules and the Sweepstakes shall be governed by and construed in accordance with the laws of the State of Minnesota and the laws of the United States, without giving effect to any principals of conflicts of law.  Marketplace makes no representation that the content on the website is appropriate or available for use in any particular location.  Those who choose to access the website act on their own initiative and are responsible for compliance with all applicable laws including any applicable local laws.  These Official Rules constitute the entire agreement pertaining to the subject matter hereof and supersedes all prior or other arrangements, understandings, negotiations and discussions, whether oral or written.  No waiver of any of the provisions of these Official Rules shall be deemed or shall constitute a waiver of any other provisions hereof (whether or not similar), nor shall waiver constitute a continuing waiver unless otherwise expressly provided.  If any provision of these Official Rules is found to be invalid or unenforceable by a court of competent jurisdiction, such provision shall be severed from the remainder of these Official Rules, which will otherwise remain in full force and effect.