Contest Details

No purchase necessary.

Maximum one entry per household.

Skill testing question required. Odds of winning depend on total number of entries received.

For full contest details see below.

ORGANIZERS AND CONTEST PERIOD 1. The Chance to Win Over $10,000 in Prizes contest is organized by National Group Mortgages (referred to hereinafter as “an Organizer”), which is a company that originates mortgages and operates under the name National Group Mortgage Program. The contest will run from January 1, 2010 to December 31, 2010, inclusively (referred to hereinafter as the “Contest Period”). ELIGIBILITY 2. Subject to other conditions of eligibility set out in these contest rules, this contest is open only to individuals (referred to hereinafter referred to as “Eligible participants”) who, at the time of the draw: · Are residents of Canada and have reached the age of majority where they reside; · Belong to one of the eligible groups of professionals, alumni, employers or other associations with which the Organizers have a partnership and to which the Organizers offer preferred group rates, or the Eligible participant is a client of the Organizer. In addition, eligible participants must meet one of the following conditions during the Contest Period: a) enter the contest online by providing the Organizer with your name, email address and information about their existing or future mortgage or b) contact the Organizer by phone or email about obtaining a mortgage and provide the Organizer with your name, phone number and email address or c) complete an online application during the Contest Period. The following individuals are excluded from this contest: · Those who belong to a group of professionals, alumni, employers or other associations to which the Organizers do not offer a mortgage program. 3. No purchase is required. All Eligible participants who provide the maturity date of their existing mortgage or indicate a date in the future where they might need a mortgage, in accordance with the present rules, will automatically be entered in the contest. 4. There is a limit of one (1) entry per person per household during the Contest Period, notwithstanding the number of mortgages from the eligible participants. HOW TO PARTICIPATE 5. Submission of existing mortgage renewal date, refinancing or future mortgage Eligible participants can enter this contest by sending the Organizer with which their group has a partnership the renewal date of their existing mortgage, or indicating that they would like to refinance or obtain a mortgage at some future date during the Contest Period using one of the three following methods: 5.1 Online Form and Contest Ballot Eligible participants may provide the Organizer with the maturity date of their existing mortgage or indicate that they are interested in refinancing or indicate their interest in acquiring a mortgage at some point in the future. To do so, they must fill out the online form available at www.nationalgroupmortgages.com. To get to the online form, Eligible participants must click on the Enter Contest on the left side menu. Eligible participants must indicate their future interest in a mortgage as outlined above and include their first name, last name, and a telephone number or email address. Once the electronic form has been duly completed, they must click on the “Submit” button and the form will be sent automatically to the Organizers. They will automatically be entered in the contest, if eligible. Only electronic forms with all required fields duly completed and received the Organizers by 11:59 pm (EST), December 31, 2010, will be accepted for entry into the contest. The Organizers are not responsible for any delays with the online submission. Eligible participants may also provide the Organizers with their future interest in a mortgage as outlined above by completing the contest coupon available at eligible group special events during the Contest Period. Eligible participants must indicate their future interest in a mortgage (as outlined above) and their first name, last name, address, city, province, postal code, telephone number and email address and deposit the contest coupon in the specially designated contest box. 5.2 Telephone Eligible participants may also enter the contest by calling the Organizers with the maturity date of their existing mortgage or indicate that they are interested in refinancing or indicate their interest in acquiring a mortgage at some point in the future during the Contest Period. In addition, they must provide their first name, last name, telephone number or email address. 5.3 Email Eligible participants may also enter the contest by sending an email to the Organizers with the maturity date of their existing mortgage or indicate that they are interested in refinancing or indicate their interest in acquiring a mortgage at some point in the future during the Contest Period. In addition, they must provide their first name, last name, telephone number or email address. 5.4 Online Application Eligible participants may also enter the contest by completing the online application available at http://www.nationalgroupmortgages.com/located on the left side menu at some point during the Contest Period. Once the online application form has been duly completed, they must click on the “Send” button and the form will be sent automatically to the Organizers. They will automatically be entered in the contest, if eligible. Only electronic forms with all required fields duly completed and received the Organizers by 11:59 pm (EST), December 31, 2010, will be accepted for entry into the contest. The Organizers are not responsible for any delays with the online submission. DRAW 6. Sixteen (16) draws will be held by a representative of the Organizers at approximately 10:00 a.m. (EST) on January 11, 2011, at the Organizers' office located at 55 Erb St. East, Suite 304 Waterloo, Ontario. On that date, sixteen (16) Eligible participants will be selected at random from all valid entries received between January 1, 2010 and December 31, 2010 at 11:59 pm (EST), according to the contest rules, in order to award the prizes described in Section 7 below. Odds of winning depend on the total number of valid entries received by the Organizers during the Contest Period. PRIZE 7. Sixteen (16) prizes in total will be awarded including the Grand Prize of a trip for two to a Caribbean location. Fifteen (15) other secondary prizes including a 40” plasma TV, Toronto Maple Leafs tickets and Toronto Raptors tickets and twelve (12) gift cards will be awarded from all of the Eligible entries received during the Contest Period. 8. The trip details will determined in consultation with the winner and the Organizers. The winner will choose the destination and the prize includes the air fare, accommodations, meals, fees, charges and taxes. 9. The prize must be accepted as described in these rules and may not be exchanged or substituted by another prize. GENERAL CONDITIONS 10. The contest entry forms (paper and electronic) received will be subject to verification by the Organizers. All incomplete, inaccurate, illegible, late or facsimile forms will be automatically cancelled. The Organizers' decision to this effect is final and cannot be appealed. 11. The Organizers will attempt to contact by phone the person whose entry was selected at random, using the information on the contest entry form. If the person in question cannot be reached within ten working (10) days of the draw date, then the Organizers may draw another valid entry at random and will attempt to contact this person in the same manner and so on until someone is declared a winner. 12. Before being declared a winner, the person whose entry has been selected at random must answer correctly, without assistance and within a limited time period, a mathematical skill-testing question. The question will be submitted by phone to the randomly selected person, at a previously determined time. In the event of a correct response, the winning contestant will then be informed of how he/she can take possession of the prize provided all other terms and conditions of the current contest have been met. 13. Before taking possession of the prize, the contest winner must sign a release form relieving the Organizers from all liability with respect to any damages that may be sustained directly or indirectly from participation in the contest or from the acceptance and use of the prize. 14. If the contest winner refuses to sign the release form, they will not be awarded the prize. A new Eligible participant will be selected at random by the Organizers until all conditions are satisfied and the prize is actually awarded to a contest winner. 15. The contest is open to residents of Canada (excluding companies, partnerships or other businesses) who have reached the age of majority where they reside and who are Eligible participants according to these rules, with the exception of members of personnel, and representatives of the Organizers, their advertising or promotional agencies, and the suppliers of the prize, equipment and services related to this contest, and any persons living under the same roof. 16. By participating in this contest, the winner authorizes the Organizers to use his/her name, photographs, image, and/or statements regarding his/her prize for advertising purposes (such as Internet and print ads) without any compensation. 17. For the purposes of these rules and subject to the eligibility criteria set out herein, the Eligible participant is the person whose name appears on the electronic form, ballot or who calls to enquire about a mortgage. In the event that more than one person's name appears on the winning entry, all such persons will be jointly declared winners of the prize. They will then have to decide among themselves who will answer the mathematical skill-testing question and who will get the prize. In case of a disagreement between them, the Organizers reserve the right to decide who will be asked the mathematical skill-testing question and to whom the prize will be remitted. 18. The Organizers, their affiliated companies, their advertising and promotional agencies, their respective employees, and representatives are not liable for faulty computer components, software or links, the loss or non-existence of communications capability, or faulty, incomplete, incomprehensible, or erased computer or network transmissions that render an individual ineligible for this contest. The Organizers, their affiliated companies, their advertising and promotional agencies, their respective employees, and representatives waive all liability for any damage or loss that could arise, directly or indirectly, in whole or in part, from downloading any software and by transmitting any data relating to participation in this contest. Persons found tampering with or abusing any aspect of this contest, as solely determined by the Organizers, will be disqualified. If disqualified for any of the above abuses, the Organizers reserve the right to terminate a participant's eligibility to participate. 19. The Organizers reserve the right, at their sole discretion, to cancel, modify, terminate or suspend this contest, in whole or in part, if an event or any human intervention corrupts or affects the administration, security, impartiality or the normal running of the contest as provided for in these rules. In all cases, the Organizers, their affiliated companies, their advertising and promotional agencies, their suppliers of materials or services related to this contest as well as their respective employees, agents and representatives cannot be held to award more prizes or to award the prize otherwise than in compliance with these rules. 20. By entering this contest or trying to do so, all persons release the Organizers, their affiliated companies, their advertising and promotional agencies, their respective employees, and representatives from any damage which could arise directly or indirectly from their participation or attempt to participate in the contest.