CEWC CONTEST RULES 2009 by peirongw





The Credit Education Week Canada Essay Writing Competition (the “Competition”) is sponsored by Credit Canada (the “Sponsor”). The Competition begins on or about September 14, 2007 and ends at 11:59:59 pm ET on October 16, 2009 (the “Competition Period”). An essay, described in more detail below, and your contact information (collectively, an “Entry”) must be received during the Competition Period to be eligible to win. 2. HOW TO ENTER

To enter the Competition: A. WRITE AN ORIGINAL ESSAY – Write an original essay (the “Essay”), not to exceed 1000 words, that meets all of the requirements outlined in Rule 5 below. B. SUBMIT YOUR ENTRY – E-mail a copy of your Essay, and include your name, mailing address, telephone number and e-mail address in the document containing the Essay, to essaycontest2009@creditcanada.com . LIMIT OF ONE (1) ENTRY PER PERSON. In the event that more than one Entry is received from any one person or e-mail address, the first Entry received from that person or email will be considered valid; all subsequent Entries from the same person or e-mail address will be disqualified. 3. ELIGIBILITY

To enter and be eligible to win, you must be a legal resident of Canada, excluding Quebec, enrolled in a Canadian high school Grade 12 level full-time program throughout the Competition Period. Employees and board members of Sponsor, Credit Counselling Canada, the Credit Association of Greater Toronto (“CAGT”), the Ontario Association of Credit Counselling, Capital One, ASSET, RBC Royal Bank of Canada, Visa Canada, Delloite, TransUnion, and any other sponsor associated with Credit Education Week Canada, their affiliates or related companies, licensees, promotion partners, advertising and promotional agencies, and members of the immediate family (defined as parents, siblings, children and spouses, regardless of where they live) or household (whether related or not) of such employees are not eligible to enter or win this Competition.



Eligible Essays received will be judged by a panel selected at Sponsor’s sole and absolute discretion (the “Judges”) who will review and score the Essays received according to the following criteria:      Funny (20%) Creativity (20%) Knowledge of savings and money management (20%) Organization (20%) Grammar/Spelling/Punctuation (20%).

The Essays given the highest scores (the “Selected Essays”) will be eligible to win. If a tie exists among those Essays eligible to win, then the Essay(s) with the highest score(s) in the Creativity category will be given higher ranking. If a tie still remains, then the Essay(s) with the highest score(s) in the combined categories of Creativity and Organization will be given the higher ranking. In the unlikely event that a tie remains, the tied Essays will be reviewed and scored according to the same criteria by an independent judge, selected at the Sponsor’s sole and absolute discretion, for the purposes of breaking the tie. All judging will be completed on or about October 26, 2009. Entrants who submitted the Selected Essays (the “Selected Entrants”) will be notified by telephone that they are eligible to win on or about October 26, 2009. Selected Entrants will be required to provide Sponsor with proof of their acceptance of admission from a recognized college, university, or technical institution before being declared a winner. If a Selected Entrant cannot be located, or does not respond within 2 days of the first attempt at notification, or fails to prove the required proof of enrolment within the deadline given, the Selected Entrant will be disqualified and Sponsor may, at its sole and absolute discretion, choose the next-highest scoring Entrant who has not yet won a prize, whom Sponsor or its representative will attempt to contact, and who will be subject to disqualification in the same manner. Odds of winning depend upon the entrant’s skill and the number of eligible Entries received. Prizes will be awarded in the form of a cheque to confirmed winners and will be issued by regular mail. 5. ESSAY REQUIREMENTS

Entries must meet the following requirements to be eligible, regardless of entry method: 1. Essay must be written in English. 2. Essay must be typed in 12-point font, and double spaced with one inch margins. No handwritten essays will be accepted, and the Essay must be in a Microsoft Word or Rich Text Format file. 3. ESSAY MUST BE NO LONGER THAN 1000 WORDS AND NO LESS THAN 900 WORDS. 4. Essay must be an original work created by the Entrant specifically for this Competition, in which the Entrant has exclusive intellectual property rights, and it cannot have previously published, submitted or distributed elsewhere for any other purpose.

5. The Entrant’s name, mailing address, telephone number, and e-mail address must be included in the document containing the Essay, and will not be counted toward the 1000 word limit. Entries will be ineligible if they do not meet ALL of the specified requirements in these Official Rules. Any Essay that, in the sole and absolute discretion of the Judges, contains offensive language, is unnecessarily violent, defamatory, derogatory of any race, ancestry, place of origin, colour, ethnic origin, citizenship, creed, sex, gender, sexual orientation, age, marital status, family status, or disability, defames or infringes the right of privacy or publicity or other proprietary rights of any person, living or deceased, or entity, will be ineligible to win. Sponsor reserves the right to disqualify any Essay that, in its sole and absolute discretion, it deems distasteful, inappropriate, or not in keeping with the image of Sponsor. The Essay must not invade the privacy of any person, living or deceased, or infringe upon any person’s personal or proprietary rights, including, but without limitation, the mention of any celebrity’s name, and it may not show, or otherwise refer to the name or image or any other element to which the Entrant does not have complete rights such as, but not limited to, other copyrighted materials or trade-marks.



There are fourteen (14) prizes available to be won.     1 Grand Prize: The Entrant who submitted the highest scoring Selected Essay is eligible to win $5000, courtesy of Capital One. 1 Second Prizes: Entrants who submitted the next second highest-scoring Selected Essays are each eligible to win $3000, courtesy of Capital One. 1 Third Prizes: Entrants who submitted the following third highest-scoring Selected Essays are each eligible to win $2500, courtesy of RBC 11 Forth Place Prizes – Entrants who submitted the following eight highest-scoring Selected Essays are each eligible to win $1000, courtesy of ASSET, TransUnion, CAGT, Visa Canada, NewStart, Harris and Partners, Deloitte, Citicard Canada, FPSC, and Meyers Norris Penny.



By entering, Entrant releases, discharges, indemnifies and agrees to hold harmless Sponsor, Credit Counselling Canada, Credit Association of Greater Toronto (CAGT), the Ontario Association of Credit Counselling, Capital One, RBC Royal Bank of Canada, NewStart, Visa Canada, ASSET, Deloitte, TransUnion, and any other sponsor associated with Credit Education Week Canada, their affiliates or related companies, licensees, promotion partners, advertising and promotional agencies, and their directors, officers, owners, partners, employees, agents, representatives, successors and assigns (collectively, the “Releasees”) from any claims, damages or liability due to any injuries, damages, or losses to any person or property resulting in whole or

in part, directly or indirectly, from participation in this Competition or from the acceptance of a prize. Before being declared a winner, Entrant may be required to sign a Declaration of Compliance with the Competition Rules and a Release of Liability to the above effect. Declaration and Release documents must be returned within the time period indicated in the documents or the prize will be forfeited. If a Selected Entrant is a minor, his or her parent or legal guardian must sign the documents within the time period outlined before the Selected Entrant will be declared a winner. Without limiting the release provided in the previous paragraph, and for greater certainty, Releasees will not be liable for: a) Any incomplete or inaccurate information whether caused by the Competition website users or by any equipment or programming associated with or utilized in the Competition, or by any technical or human error that may occur in the processing of entries; b) The theft, destruction or unauthorized access to, or alteration of, Entries or the Competition website; c) Any problems with, or technical malfunctions of, telephone networks or lines, computer systems, servers, or network providers, computer equipment, software, bugs, viruses, trojan horses, worms; d) Any failure of any e-mail to be received by or from Sponsor for any reason including but not limited to traffic congestion on the Internet or at any website or combination thereof; or e) Damage to an entrant’s or other person’s system occasioned by participation or downloading of materials in this Competition. CAUTION: ANY ATTEMPT BY AN ENTRANT TO DELIBERATELY DAMAGE ANY WEBSITE OR UNDERMINE THE LEGITIMATE OPERATION OF THE COMPETITION IS A VIOLATION OF CRIMINAL AND CIVIL LAWS. SHOULD SUCH AN ATTEMPT BE MADE, SPONSOR RESERVES THE RIGHT TO SEEK DAMAGES FROM ANY SUCH ENTRANT TO THE FULLEST EXTENT PERMITTED BY LAW.



Sponsor will not be responsible for Entries that are incomplete, lost, misdirected, garbled, illegible, postage-due, undelivered or late, which Entries will be void. All decisions of the Judges shall be final and binding in all maters relating to this Competition. All prizes must be accepted as awarded. Prizes are not transferable. Limit of one (1) prize per household. In the event of a dispute concerning the identity of the person who submitted an Entry, the Entry will be deemed to have been submitted by the natural person whose name is identified as the author in the Essay document as the author. No correspondence will be entered into except with Selected Entrants. The Competition is subject to all applicable federal, provincial/territorial, and municipal laws. All taxes associated with the award or receipt of any prize, including but not limited to income taxes, are the sole responsibility of the winners. All entries become the

property of Sponsor and none will be returned. Paragraph headings are for convenient reference only, and are not to affect the interpretation of these Official Rules. By accepting a prize, winners agree to read essay at the dinner gala and grant to Sponsor and its designees the right, to use their names, photographs, city/province of residence, biographical information, statements, voice, and likeness for advertising and promotional purposes Sponsor may conduct relating to its products, services, website, and/or this Competition or any subsequent competition, in any media or format, now or hereafter known through the world in perpetuity, without compensation or notification. Entries not complying with these Official Rules are subject to disqualification. Sponsor reserves the right to terminate or modify this Competition at any time without notice if any factor interferes with its conduct as contemplated by these Official Rules



By entering the Competition, entrants assign to Sponsor all rights, title and interest (and waive their moral rights) in and to their respective Essays, and grant Sponsor the non-exclusive irrevocable right to produce, publish, reproduce, edit, modify, adapt, translate, create derivative works from, copy, and otherwise use the Essay, in whole or in part, to promote this Competition or for any other purposes, without notice or compensation. Entrants may be required to sign a document to this effect.



Personal information submitted by the entrants will be used by Sponsor and its authorized agents to administer the Competition verify winners, and award prizes. All personal information submitted to Sponsor as a part of this Competition will be treated in accordance with our Privacy Policy, a copy of which can be viewed at: http://www.creditcanada.com/privacy.asp.

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