2018 NFM Lending Tempe Referral Promotion

Official Rules

Please read these Official Contest Rules before entering this promotion (the “Promotion”) held by NFM, Inc. d/b/a/ NFM Lending®’s Tempe branch AZ327, (the “Sponsor”). By participating in the Promotion, you agree to be bound by these Official Rules and represent that you satisfy all of the eligibility requirements below.

NO PURCHASE OR PAYMENT OF ANY KIND IS NECESSARY TO ENTER OR WIN THIS PROMOTION.

Eligibility: The Promotion is open only to individuals who are legal residents of the State of Arizona, 18 years of age or older, and who refer a client to the branch. If you do not meet any of these requirements or any other eligibility requirements in these Official Rules, you are not eligible to win a prize, and the Sponsor reserves the right not to award prizes to you. Employees of the Sponsor and/or those living in the same household of each, and individuals employed by or affiliated with the Sponsor (including realtors, title companies, survey providers, appraisers, or other settlement service providers), are not eligible to win. Promotion is subject to all applicable federal, state, and local laws and regulations, and is void where prohibited.

Promotion Periods: There will be two Promotion Periods (unless the Promotion is amended or terminated at Sponsor’s sole discretion). The Promotion Periods are:

From 12:00 a.m. (all times MST) on July 1, 2018 until 11:59 p.m. on September 31, 2018;

and from 12:00 a.m. (all times MST) on October 1, 2018 until 11:59 p.m. on December 31, 2018.

Except as otherwise expressly stated below (for mail-in entries), all entries must be received during the Promotion Period to be eligible to win the respective prizes.

Entry: Any person who refers an interested mortgage borrower during the Promotional Period that result in a mortgage application will receive a $100 Amazon® gift card. Person referred must complete an application in order to receive the gift card (loan does not need to close). All referrals submitted that result in a mortgage application are also automatically entered into a drawing for a $500 VISA® gift card. Alternatively, to enter without submitting a referral, clearly hand-print your full name, mailing address, e-mail address, and daytime phone number on a letter, and mail that letter in a hand-addressed envelope to the Sponsor at “2018 NFM Lending Tempe Referral Promotion”, 858 West Elliot Road, Suite #102, Tempe, AZ 85284. Mail-in entries must be postmarked no later than the last day of a Promotion Period and received within seven (7) days after the last day of such Promotion Period to be eligible during that Promotion Period. Only one (1) entry per person per Promotion Period will be entered. Entries become the property of the Sponsor and will not be returned.

Prize: $100 Amazon® gift card for referrals that result in a mortgage application (unlimited quantities); and one (1) $500 VISA® gift card will be randomly drawn at the end of each Promotional Period from all of the people that submitted referrals that resulted in a mortgage application. There will be a total of two (2) $500 VISA® gift cards randomly drawn in 2018.

Sponsor reserves the right to substitute a prize of equal or greater value in its sole discretion. Odds of winning depend on number of eligible entries received during a Promotion Period.

Random Drawing: A winner will be selected in a random drawing from all eligible entries to be held no later than two (3) days after the end of the Promotion Period. The winner will be notified by U.S. mail and/or email within four (4) weeks after the last day of the Promotion Period. The prize winner will be required to execute an affidavit of eligibility and liability/publicity release within seven (7) days following the date of attempted notification. The prize will be awarded within thirty (30) days after winner verification. If a prize notification is returned as undeliverable, it will result in disqualification, and the prize will be awarded to an alternate winner in a separate random drawing. Prizes are not assignable or transferable, except to a surviving spouse. Prizes will be delivered via U.S. mail to the address provided in the affidavit of eligibility and liability/publicity release, unless otherwise stated by the prize winner.

The prize is awarded “AS IS” and WITHOUT WARRANTY OF ANY KIND, express or implied. No substitutions or exchanges (including for cash) of any prize will be permitted, except that the Sponsor reserves the right to substitute a prize of equal or greater value. The winner is responsible for all federal, state, local, sales and income taxes associated with receipt and/or use of any prize. Entry and acceptance of any prize constitutes permission to use winner’s name, prize won, office affiliation, hometown and likeness for online posting and promotional purposes without further compensation, except where prohibited by law. Unless prohibited by law, winner will be required to sign and return an affidavit of eligibility, liability release, publicity release, tax forms, and other reasonable documentation provided by the Sponsor before being awarded a prize. If winner does not execute such documentation upon request, their prize will be forfeited, and the prize will be awarded to an alternate winner. The prize is guaranteed to be awarded.

General: Sponsor will not be responsible for late, lost, illegible, incomplete, damaged, or misdirected entries and accepts no responsibility for any injury, loss, or damage of any kind resulting from an entrant’s participation in the Promotion. By entering the Promotion, each entrant agrees to these Official Rules and waives, and releases the Sponsor and the Sponsor’s subsidiaries, and affiliated companies, and all other businesses involved in this Promotion, as well as the employees, officers, directors and agents of each, from, all claims, costs, injuries, losses, or damages of any kind arising out of or in connection with the Promotion or delivery, mis-delivery, acceptance, possession, use of or inability to use the prize (including, without limitation, claims, costs, injuries, losses and damages related to personal injuries, death, damage to or destruction of property, whether intentional or unintentional), whether under a theory of contract, tort (including negligence), warranty or other theory. Sponsor reserves the right to amend these Official Rules or to terminate this Promotion. If any provision of these Official Rules is deemed unenforceable by a court of competent jurisdiction, it shall not affect the enforceability of the remainder of these Official Rules to the extent permissible. Sponsor is not responsible for any typographical or other error in the printing or delivery of any Promotion materials, administration of the Promotion or in the announcement of any prize. The Promotion and these Official Rules will be governed, construed, and interpreted under the laws of the State of Arizona. Entrants agree to be bound by these Official Rules and by the decisions of Sponsor, which are final and binding in all respects.

Winners List; Rules Request: For a winners list, view the Winners List below, contact or Tempe branch at 480-378-2963, or send a self-addressed, stamped, business-size envelope anytime between four (4) weeks after the last day of a Promotion Period and one (1) year after the last day after a Promotion Period, to Sponsor at: “2018 NFM Lending Tempe Referral Promotion”, 858 West Elliot Road, Suite #102, Tempe, AZ 85284 .To obtain a copy of these Official Rules, visit the Official Rules page or send a stamped, self-addressed, business-size envelope to Sponsor at the address aforesaid.

Sponsor: NFM, Inc. d/b/a NFM Lending®, branch AZ327 located at 858 West Elliot Road, Suite #102, Tempe, AZ 85284.

Confidentiality: Information provided by you to participate in this Promotion is subject to the Sponsor’s Privacy Policy.

Winners List:

No winners have been announced at this time.