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NO PURCHASE OR PAYMENT OF ANY KIND IS NECESSARY TO ENTER OR WIN THIS CONTEST. A PURCHASE OR PAYMENT OF ANY KIND WILL NOT INCREASE YOUR CHANCES OF WINNING.

THIS IS A SKILL-BASED CONTEST.

ALL DISPUTES WILL BE RESOLVED SOLELY BY BINDING ARBITRATION AND ENTRANTS WAIVE THE ABILITY TO BRING CLAIMS IN A CLASS ACTION FORMAT.

SPONSOR OBTAINS RIGHTS FROM ENTRANTS TO POST AND USE ANY AND ALL CONTENT SUBMITTED AS PART OF THE CONTEST.

THIS CONTEST, INCLUDING ANY ENTRY METHOD OR PRIZE OFFERED, MAY BE CANCELED OR POSTPONED BY SPONSOR, IN FULL OR IN PART AT ANY TIME, DUE TO REASONS RELATED TO THE ONGOING PANDEMIC (E.G., CORONOVIRUS/COVID-19).

GRAND PRIZE WINNERS MUST BE AVAILABLE TO PARTICIPATE IN A VIRTUAL AWARDS SHOW IN OCTOBER 2021 OR OTHERWISE FORFEIT HIS/HER RIGHT TO CONTINUE PARTICIPATING IN CONTEST.

BY ENTERING THIS CONTEST, YOU AGREE TO THESE OFFICIAL RULES, WHICH ARE A CONTRACT, SO READ THEM CAREFULLY BEFORE ENTERING. WITHOUT LIMITATION, THIS CONTRACT INCLUDES INDEMNITIES TO THE RELEASED PARTIES FROM YOU AND A LIMITATION OF YOUR RIGHTS AND REMEDIES.

 

Eligibility

How the contest works

Small business impact award(s) categories

How to enter the contest

How to enter during the sumission period

Entry requirements

Video submission period (for semi-finalists only)

Judging procedure and criteria

Semi-finalist notification

Winner notification

Prizes

Prize restrictions

Additional terms

Privacy and opt-in

Entry errors/tampering

Dispute resolution

Winners list

 

ELIGIBILITY: The Small Business Impact Awards, presented by Bank of America and Mastercard (“Contest”) is open only to individuals who are at of the time and date of entry: (1) physically located in and legal residents of the United States (including D.C.); (2) legal age of majority (which is eighteen (18) in most states but nineteen (19) in Alabama and Nebraska, and twenty-one (21) in Mississippi) in their state of jurisdiction of residence; and (3) a principal owner of a U.S.-based small business, as described below. For the purpose of this Contest, a ‘small business’ means a business with an annual revenue of five million dollars ($5,000,000) or less in calendar year 2020 and is physically located in one of the fifty (50) United States or the District of Columbia, employs no more than fifty (50) individuals on a full or part-time basis and is incorporated or otherwise considered a valid legal entity in good standing in its state of formation as of 7/6/21. Entrant of the Contest must be an individual who is an authorized signing officer of said small business. For purposes of the Contest, a small business can be organized as a sole proprietorship, partnership, corporation, or any other legal entity. Void in Guam, Puerto Rico and where prohibited by law. Employees, officers and directors of Mastercard International Incorporated (“Sponsor”), teamDigital Promotions, Inc. (“Administrator”), Bank of America, N.A. (“Bank of America”), and each of their respective parent companies, divisions, subsidiaries and affiliates, and each of their respective agents, advertising, promotional and judging agencies of each of the foregoing, and any other entity or persons that develops, produces or distributes materials for or related to this Contest (collectively, the “Released Parties”), and members of the immediate families (defined for these purposes as including spouse, parents, grandparents, children, grandchildren, siblings, and each of their respective spouse) or households (whether legally related or not) of any of the above, are NOT eligible to enter or win this Contest. Winning a prize is contingent upon fulfilling all requirements set forth herein.

HOW THE CONTEST WORKS: The Contest will occur in two (2) phases as described below and includes a Submission Period (defined below) and a Video Submission Period (defined below). At the end of the Submission Period, up to fifteen (15) Semi-Finalists from each of the four (4) Small Business Impact Award(s) Categories (outlined below and referred to herein as, “Award(s) Categories”).) will be identified, based on the judging procedure and criteria outlined below, to advance to the Video Submission Period. At the end of the Video Submission Period, the four (4) Semi-Finalists with the highest score in each Award Categories (one (1) from each Award Category) will be declared the Grand Prize winner as outlined below.

SMALL BUSINESS IMPACT AWARD(S) CATEGORIES:

Innovation Award Category: This award recognizes a small business that has made strides with new products or services to help mitigate the impact of the pandemic for their customers and community.

Diversity & Inclusion Category: This award recognizes minority and women-owned small businesses, and businesses that have fostered an inclusive and diverse culture.

Sustainability Award Category: This award recognizes a small business that puts environmental responsibility at the forefront of their efforts.

Giving Back Award Category: This award recognizes a business that has gone above and beyond to help those most vulnerable in its community cope with the pandemic.

Sponsor reserves the right to eliminate or cancel any Award Categories to the extent it does not receive enough valid, good-faith Entries in any such Award Category.

HOW TO ENTER THE CONTEST:

PHASE 1 - SUBMISSION PERIOD: The submission period for Entries begins on or about 12:00:00 PM Eastern Time (“ET”) on 7/6/21 and all Entries must be received on or before 11:59:59 PM ET on 8/5/21 (the “Submission Period”).

PHASE 2 FOR SELECTED SEMI-FINALISTS - VIDEO SUBMISSION PERIOD: The submission period for submission of videos (only applicable for selected eligible Semi-Finalists) will begin on or about 8/23/21 and all entries must be received on or before 11:59:59: PM ET on 8/27/21 (the “Video Submission Period”).

HOW TO ENTER DURING THE SUMISSION PERIOD: Visit http://mastercard.us/impactawards (the “Website”) during the Submission Period and follow the instructions provided to complete and submit the entry form (each small business who submits an entry form is referred to herein as an “Entrant”). The submitted entry form, inclusive of all required business owner information, business-related information, selecting all Award(s) Categories (described below) that you are entering, and uploading one (1) written response that answers the question: In the past year, how did your business make a positive impact on your customers, your employees, and your community?, will collectively be referred to as an “Entry” hereafter. The Website’s server must receive all Entries by 11:59:59 PM ET on 8/5/21. Limit one (1) Entry per Entrant, per email address, per small business for the duration of the Submission Period. If Entrant submits more than one (1) Entry, all Entries received after the first Entry will be void. Once the Entry is completed and uploaded, the Entry is final and may not be modified or edited. All Entries must meet the Entry Requirements set forth below. Those who do not follow all of the instructions, provide the required information in their entry form, or abide by these Official Rules or other instructions of Sponsor may be disqualified at Sponsor’s sole and absolute discretion. All Entries that are late, illegible, incomplete, damaged, destroyed, forged or otherwise not in compliance with the Official Rules may be disqualified from the Contest at Sponsor’s sole and absolute discretion. Entries generated by script, macro or other automated means and Entries by any means which subvert the Entry process are void. By registering, and clicking on the “Enter” button, you certify that you acknowledge and are in compliance with these Official Rules, including, without limitation, all eligibility requirements. Sponsor reserves the right to disqualify any Entry that it determines, in its sole discretion, has violated any provision of these Official Rules as applicable, and its decision in this regard is final. Proof that you entered the Contest does not constitute evidence of receipt by Sponsor within the required deadline. All Entries and information become the physical property of the Sponsor and will not be acknowledged or returned. Assurance of delivery of Entries is the sole responsibility of the Entrant. In the event of a dispute as to the identity of any Entrant who submits an Entry, the Entry will be deemed submitted by the account holder of the email account from which it was sent but only if such person is otherwise eligible. The “account holder” is the person assigned an email address or username by the entity responsible for assigning it (e.g., Yahoo). Winners may be required to show proof of being the registered account holder. If a dispute cannot be resolved to the Sponsor’s satisfaction, the Entry will be deemed ineligible. Sponsor, Administrator and affiliated entities are not responsible for lost, misdirected, misplaced, stolen, tampered with, deleted, or invalid Entries.

Entry Requirements:
All Entries must meet the following criteria, as determined within Sponsor’s final sole discretion:

  •  Entries that contain or otherwise infringe on any third-party names, trademarks, music, identities, copyrighted or patented material, and/or other material subject to third party rights are prohibited;
  •  Entries that include any reference to any patents and/or trade secrets of Sponsor or Released Parties and/or its competitors are prohibited;
  •  Entries that are obscene, offensive, contain any profanities, endorse any form of hate or hate group, or any language or images communicating messages inconsistent with the positive images to which Sponsor and/or Released Parties wishes to associate will be void;
  •  Entries cannot be sexually explicit or suggestive, unnecessarily violent or derogatory of any ethnic, racial, gender, religious, professional or age group, profane or pornographic, or contain nudity or any materially dangerous activity;
  •  Entries cannot promote alcohol, illegal drugs, tobacco, firearms/weapons (or the use of any of the foregoing), any activities that may appear unsafe or dangerous, or any particular political agenda or message;
  •  Entries cannot contain disparaging remarks, defame, misrepresent, invade the publicity, third party rights and/or the privacy rights of Sponsor, Released Parties, their products or any trademarks or other intellectual property they own, other products or companies, or any person, living or deceased;
  •  No background artwork should appear in the Entries unless it is an original work of the Entrant. Any artwork, murals, etc. that can be seen in Entries must be created solely by the Entrant or Entrant must be the sole owner of all copyright interests therein;
  •  Entries cannot contain trademarks owned by others, or advertise or promote any brand or product of any kind, or contain any personal identifiable information, such as personal names, email addresses, etc.;
  •  Entries cannot communicate messages inconsistent with the positive images and/or goodwill to which Released Parties associate; and
  •  Entries cannot be in violation of any law, statute, regulation, or ordinance.

Sponsor reserves the right to void and disqualify any Entry not satisfying these requirements, as determined within Sponsor’s final sole discretion.

By submitting an Entry, you agree that: (i) the Entry does not violate any law or regulation or any right of any third party, including those laws, regulations, and rights related to copyrights, trademarks, publicity, or privacy, (ii) you have the right to grant the rights to the Entry as provided in these Official Rules, (iii) the Entry has not been published or submitted in any other competition; (iv) the Entry is your original work; (v) the Entry has not won previous awards; (vi) you have obtained permission from any person whose name or likeness is used in the Entry; and (vii) that publication of the Entry via various media, including, without limitation, social posting, will not infringe on the rights of any third party. You will indemnify, defend and hold harmless Released Parties from any claims to the contrary. Further, by submitting an Entry, you grant permission and a perpetual, non-exclusive, royalty-free, no-cost, worldwide, irrevocable right and license for Released Parties to publish, post, adapt, edit, display, exploit and/or modify or otherwise use the Entry and all images, text and materials included or depicted therein, in whole or in part, in any manner or medium now or hereafter known or devised (including, without limitation, CDs, streaming media, film, television, videocassettes, print, interactive devices, mobile media, Internet and on-line systems), throughout the universe and in any and all languages, including, without limitation, the right to display, reproduce, recreate, record, perform, exhibit, distribute, copy, edit, change, modify, add to, subtract from, re-title and adapt the same, to combine it with other material and otherwise use and exploit it without having to give any compensation or attribution to Entrants or any third party, except for the awarding of the prize(s) to the Semi-Finalists/winner in this Contest. Entrants agree they shall not make, and shall not permit, any other public use, display or distribution of their Entry, and they shall maintain all rights without encumbrances so that, if Sponsor desires, Entrants can assign all rights in and to their Entry if selected as a winner. Sponsor, and each of its successors, assigns and licensees, will have the right to make unlimited derivative works of Entries, to assign or transfer any or all of Sponsor’s granted rights and to grant unlimited, multiple-level sublicenses. Without limiting the foregoing, Sponsor will have the right to use the Entries submitted as part of the Contest, and all images, text and materials included or depicted therein (if any), in any merchandising, advertising, marketing, promotion or for any other commercial or non-commercial purpose. Entrants hereby forever waive and relinquish all “moral rights (droit moral)” now or hereafter recognized in connection with Entries submitted as part of the Contest. Entrants acknowledge that as a condition of participating in the Contest and/or being selected as a winner, Sponsor may request that the Entrant’s Entry, and any rights therein, be assigned to Sponsor and Entrants may be required to confirm such assignment by completing and submitting the Prize Acceptance Documents (defined below) (and any other documents reasonably required by Sponsor) or such Entrant will otherwise be disqualified from receiving his/her prize(s). Entrants must maintain the ability to assign all such rights to Sponsor free of any limitations, restrictions or third-party obligations. Entrants agree that Sponsor shall have the sole discretion in determining the extent and manner of use of Entries and are not obligated to use any Entry. Entrants agree that Sponsor, nor its agents, shall be responsible for return or preservation of the Entries submitted.

Entrant further agrees that submission of an Entry is gratuitous and made without restriction and will not place Sponsor and/or Released Parties under any obligation and that Sponsor and Released Parties are free to discuss or otherwise disclose the ideas contained in the Entry on a nonconfidential basis to anyone or otherwise use the ideas without any additional compensation to Entrant. Each Entrant acknowledges that Entries are not being submitted in confidence or in trust to Sponsor and that no confidential or fiduciary relationship is intended or created. Each Entrant acknowledges that Sponsor and other Entrants may have created ideas and concepts contained in their Entries that may have familiarities or similarities to his/her own Entry, and that Entrant will not be entitled to any compensation or right to negotiate with the Contest Entities because of these familiarities or similarities. Notwithstanding any custom and practice in the industry to pay an individual for an idea (if any), nothing herein shall create an implied or express contract to compensate Entrants for their Entry and there is no obligation for any Released Party to pay or otherwise compensate Entrants for any of their ideas or materials in any communications with Sponsor, whatsoever. Entrant acknowledges that, by acceptance of their Entry, Released Parties do not waive any rights to use similar or related ideas previously known to Released Parties, or developed by its employees, or obtained from sources other than Entrant. Sponsor and/or Released Parties reserve the right to screen Entries, but may post Entries without editing or other prior review. Entrant acknowledges that Sponsor and/or Released Parties have no obligation to use or post any Entry that Entrant submits. For all social media postings of Entries made by Sponsor and/or Released Parties, posting of such content is for entertainment purposes only and does not relate to winner selection. Entrant, by participating in the Contest, except where legally prohibited, grants the irrevocable permission for Sponsor and its designees to use his/her name, address (city and state), photograph, voice and/or other likeness and prize information for advertising, trade and promotional purposes without further compensation, in all media now known or hereafter discovered, worldwide, in perpetuity, without notice or review or approval. Sponsor reserves the right to request from Entrant at any time proof that Entrant maintains all necessary rights in their Entry in order to grant Sponsor the rights required herein in a form acceptable to Sponsor. Failure to provide such proof may lead to, among other things, the Entrant being disqualified from the Contest.

No correspondence about Entries will be entered into, nor will Entries be acknowledged or returned. Incomplete Entries, Entries not responding to the theme, Entries that do not comply with the Entry Requirements, and/or Entries which may contain obscene, offensive, or any images or language communicating messages inconsistent with the positive images to which Sponsor and/or Released Parties wishes to associate will be void. Entries whose work includes the names, images, or likenesses of third parties or contains elements not owned by the participant (such as, but not limited to, depictions of persons, landmarks, trademarks or logos) must be able to provide legal releases for such use including Released Parties’ use of such Entry, in a form satisfactory to Sponsor, upon request. Proof of Entry does not constitute Sponsor’s proof of receipt. Entries that contain or otherwise infringe on any third-party names, trademarks, music, identities, copyrighted material, and/or other material subject to third party rights are prohibited. Subject to these Official Rules and except where otherwise prohibited by law, all winning Entries are deemed to be assigned to Sponsor and will not be returned. If required information is not included, Entry will be disqualified.

VIDEO SUBMISSION PERIOD (FOR SEMI-FINALISTS ONLY): Exact details and all requirements of the Video Submission to be determined by Sponsor and disclosed to potential Semi-Finalists at the time of notification (see “Semi-Finalist Notification” Section below).

JUDGING PROCEDURE AND CRITERIA: All eligible Entries received during the Submission Period will be judged on the following criteria by Sponsor and its designees: 1) Relevance to Theme of Selected Award(s) Categories: 0-40 points; 2) Written Submission Creativity and Originality: 0-30 points; and 3) Overall Appeal/Business Value: 0-30 points.

All eligible Entries received during the Video Submission Period will be judged on the following criteria by Sponsor and its designees: 1) Relevance to Theme of Selected Award(s) Categories: 0-40 points; 2) Video Submission Creativity and Originality: 0-30 points; and 3) Overall Appeal/Business Value: 0-30 points.

At the conclusion of the Submission Period, the fifteen (15) eligible Entries with the highest scores in each of the four (4) Award(s) Categories, as determined by the judges, in their sole discretion, will be deemed the potential “Semi-Finalists” and advance to the Video Submission Period, subject to verification of eligibility and compliance with these Official Rules (see “Semi-Finalist Notification” section below). Sponsor reserves the right to select fewer than fifteen (15) SemiFinalists if, in their sole discretion, they do not receive a sufficient number of eligible and qualified Entries. In the event of a tie, the tied Entries will be re-judged based on: Overall Appeal, Strength and Creativity of Entry: 0-100 points. If there is still a tie, Sponsor will bring in a tie breaking judge to apply the same judging criteria to break the tie and determine the Semi-Finalists.

The Semi-Finalist judging panel (determined by Sponsor), with representation from Bank of America, in Sponsor’s sole discretion, and the Panel will judge each Entrant Video Submission individually based on the judging criteria as outlined above.

At the conclusion of the Semi-Finalist judging period, the one (1) eligible Video Submission entry with the highest score in each of the four (4) Award(s) Categories, as determined by the judges, in their sole discretion, will be declared a Grand Prize winner (subject to verification of eligibility and compliance with these Official Rules (see “Winner Notification” Section below). The SemiFinalists with the second, third and fourth highest scores in each of the four (4) Award(s) Categories during the Video Submission Period, as determined by the judges, in their sole discretion, will be determined the First Prize winners. If there is a tie, Sponsor will bring in a tie breaking judge to apply the same judging criteria to break the tie and determine the Grand Prize winners. Sponsor reserves the right to select fewer than four (4) Grand Prize winners if, in their sole discretion, they do not receive a sufficient number of eligible and qualified Entries.

SEMI-FINALIST NOTIFICATION: Semi-Finalists will be determined approximately ten (10) business days following the completion of the Submission Period and will be notified by Administrator by telephone and/or email and/or a traceable method of delivery. Potential Semi-Finalists will be required to submit a video (video requirements for eligible Semi-Finalists will be disclosed at time of notification); and execute and return an Affidavit of Eligibility, Liability and (where legal) Publicity Release (collectively, “Prize Acceptance Documents”) and any other documents and third-party consents as may be required by Sponsor within twenty-four (24) hours of date of issuance of notification.

Semi-Finalists will be required to submit to a confidential background check to confirm eligibility and ensure they will not pose a security threat or bring Sponsor or Released Parties into public disrepute, contempt, scandal or ridicule or reflect unfavorably on Sponsor or Released Parties as determined by Sponsor, in its sole discretion, and, in such event may result in disqualification. Noncompliance with any of the foregoing, failure to respond within the designated timeframe, the inability to contact a potential winner within a reasonable time period, or any notification being returned as undeliverable may result in disqualification and, at Sponsor’s discretion and time permitting, a First Prize winner being chosen. Prize winner status is subject to verification of eligibility and compliance with these Official Rules. The Released Parties are not responsible for electronic communications that are undeliverable as a result of any form of active or passive filtering of any kind, or insufficient space in Entrant’s email account to receive email messages. Should a potential winner decide to decline his/her prize for any reason whatsoever or not respond to the prize notification by the applicable response deadline, Sponsor shall have no further obligation to that potential winner and an alternate winner may be selected based on the selection process above, if time permits.

WINNER NOTIFICATION: Grand Prize winners will be determined approximately two weeks following the completion of the Video Submission judging, and will be notified by Administrator by telephone and/or email on or about 9/27/21. Upon verification of eligibility and compliance with these Official Rules, four (4) Grand Prize winners and twelve (12) First Prize winners, will be invited to attend a Virtual Awards Show to take place in October 2021. All details, including, without limitation, the location, time, and duration, will be determined by Sponsor in its sole discretion. The Virtual Awards Show may be taped or distributed live by Sponsor, in its sole and absolute discretion and used for commercial purposes. All Entrants who participate in the Virtual Awards show irrevocably grant to Sponsor all services rendered by them, and all ideas, content and materials provided by Entrants, in connection with the development, production and/or exploitation of print, graphic, audio and/or visual or other content, projects, productions, campaigns and/or programs. Entrants’ services during the Virtual Awards are a “work-for-hire” as that term is used in copyright law and Sponsor will own all results and proceeds of the services, including, without limitation, all intellectual property and other rights and all physical materials. Entrants hereby irrevocably give and grant to Sponsor all rights of every kind and character whatsoever in all media and languages now known or hereafter devised (including, but not limited to, film, television, videocassettes, DVDs and other storage mediums, mobile media, interactive devices and Internet and on-line systems) throughout the world, in perpetuity, in and to all work done, and all poses, acts, plays and appearances made by Entrants, Entrants’ voice and instrumental, musical or other sound effects produced by Entrant, and in and to all of the results and proceeds of Entrants’ services as well as in and to the right to use Entrants’ name, likeness and photographs, either still or moving, for all commercial and non-commercial purposes (including, but not limited to, merchandising, adFvertising and promotion purposes) in connection therewith. If the foregoing provisions do not operate to fully and effectively vest in Sponsor the ownership rights to Entrants’ services in connection with the Virtual Awards Show, Entrants hereby assign to Sponsor all rights of every kind and nature therein whether now or hereafter known or created which may not have so vested (and so far as may be appropriate by way of immediate assignment of future rights) throughout the universe and in perpetuity. Such assignment is irrevocable, royalty-free, perpetual and worldwide upon the creation and fixation into tangible form of the results and proceeds of Entrants’ services. Without limiting the foregoing, Entrants further irrevocably give and grant to the Sponsor the right to adapt, change, edit, modify, add to, delete, combine with other materials, record, reproduce, distribute and otherwise exploit the same by any means now known or hereafter devised and irrevocably waive all so called “moral rights (droit moral) (where enforceable)”. During the Virtual Awards Show, Entrants may not include any matter or material that violates these Official Rules, including, without limitation, the Entry Requirements. Sponsor reserves the right (in its sole discretion) to immediately disqualify and remove from the Virtual Awards Show any Entrant who does comply with the Entry Requirements. Sponsor will provide additional details to Entrant at the time of Entrant notification about specifically what will be expected of each Entrant at the Virtual Award Show and any additional rules and procedures that will be applicable to the Virtual Award Show.

PRIZES:

Sixty (60) Semi-Finalist Prizes (Fifteen (15) Semi-Finalists per Award Category): Each SemiFinalist will receive a $100 Mastercard Prepaid card. (Approximate Retail Value (“ARV”) of each Semi-Finalist Prize = $100).

Twelve (12) First Prizes (Three (3) First Prizes per Award Category): Each First Prize winner will receive a Mastercard® Digital Doors™ Toolkit (ARV = $1,600), one (1) year of Gold tier member benefits in the Bank of America Preferred Rewards for Business (ARV= $100), and access to a Small Business Specialist for one (1) year. See below for prize restrictions. (Total ARV of each First Prize = $1,700)

Four (4) Grand Prizes (one (1) Grand Prize per Award Category): Each Grand Prize winner will receive $10,000 awarded in the form of a check, issued to each prize winners’ registered name of business per the entry form, and a Mastercard® Digital Doors™ Toolkit (ARV = $1,600), one (1) year of Platinum Honors tier member benefits in the Bank of America Preferred Rewards for Business (ARV = $500), Merchant Service equipment package (ARV = $1,427), and access to a Small Business Specialist for one (1) year. See below for prize restrictions. (Total ARV of each Grand Prize = $13,527)

PRIZE RESTRICTIONS: Preferred Rewards for Business and Bank of America Merchant services is available to prize winners who have a new or existing eligible Bank of America Small Business checking account. Bank of America, N.A will contact prize winners to determine eligibility for, and complete enrollment in, Bank of America programs and services. All enrollment by prize winners must be complete by 1/31/22.

First Prize winners who have or open an eligible Bank of America Business Advantage Fundamentals™ or Business Advantage Relationship Banking account will be enrolled to receive Preferred Rewards Gold tier benefits for twelve (12) months and Bank of America will waive the three (3) month combined average daily business balance requirement of at least $20,000.

Grand Prize winners who have or open an eligible Bank of America Business Advantage Fundamentals™ or Business Advantage Relationship Banking account will be enrolled to receive Preferred Rewards Platinum Honors tier benefits for twelve (12) months and Bank of America will waive the three (3) month combined average daily business balance requirement of at least $100,000.

Winners may accept the prize of Preferred Rewards enrollment by speaking with a Bank of America Small Business Banker, and enrollment will be completed within ten (10) days of that contact. Preferred Rewards benefits become effective within thirty (30) days of enrollment. Additional program information is available at bankofamerica.com/RewardsforBusiness.

Grand Prize winners who are eligible for the Merchant Service Equipment package must open a new merchant service account with a new Merchant ID (MID) in order to be eligible for the Equipment package. Existing Bank of America merchant services accounts are eligible for the equipment package with a new merchant service account and new MID. The equipment package is limited to a value of $1,427 per account. Equipment package includes a Smart Terminal, Integrated Cash Drawer and Handheld Barcode Scanner (software not included). A Bank of America Small Business checking account is required to apply for a merchant services account. Merchant services processing funds must be settled into a Bank of America Small Business checking account.

In the event a prize winner does not have or does not wish to open a Bank of America Business Advantage Fundamentals™, a Business Advantage Relationship Banking account, or a Bank of America Small Business checking account, Sponsor will provide a prepaid card to such winner pre-loaded with the prize dollar amount won. Mastercard Prepaid card restrictions apply. Visit: https://prepaidcardtermsandconditions.com for full terms and conditions applicable to the Mastercard Prepaid card. Prize details not specifically set forth herein are at Sponsor and Bank of America’s sole discretion. Bank of America accounts and services will be subject to its customary underwriting requirements, and winning this contest does not guarantee that the winner will qualify for a Bank of America account or service.

Prize winners (including Semi-Finalists and First Prize winners) will be solely responsible for all federal, state and/or local taxes, and for any other fees or costs associated with the prize(s) they receive, regardless of whether they, in whole or in part, are used. The ARV of the prizes is based on available information provided to Sponsor and the value of any prize awarded to a winner may be reported for tax purposes as required by law. The winners may be required to provide Sponsor with a valid social security number before the prizes will be awarded for tax reporting purposes. An IRS Form 1099 may be issued in the name of winners for the actual value of the prizes received. Unclaimed prizes will be forfeited. Prizes, if legitimately claimed, will be awarded. The Released Parties are not responsible for and will not replace any lost, mutilated or stolen prize(s) or any prize that is undeliverable or does not reach a winner because of an incorrect or changed address. If a winner does not accept or use the entire prize, the unaccepted or unused part of the prize will be forfeited and the Released Parties will have no further obligation with respect to that prize or portion of the prize. If a winner does not accept or use the entire prize, the unaccepted or unused part of the prize will be forfeited and the Released Parties will have no further obligation with respect to that prize or portion of the prize. Limit one (1) prize per small business. Prizes will be awarded to the principal owner of the small business, as submitted in the Entry. If prize award is in conflict with small business policy or not feasible after Sponsor’s good faith effort to obtain verifiable small business principal owner contact details, prize will be forfeited and, at Sponsor’s discretion and time permitting, a First Prize winner may be selected. Neither Sponsor, nor anyone acting on its behalf, is required to enter into communications with any Entrant regarding the Contest other than to notify a potential prize winner.

TOTAL ARV OF ALL PRIZES AWARDED IN THIS CONTEST: $80,508

ADDITIONAL TERMS: Except as provided herein, no transfer, assignment, cash redemption or substitution of prize(s) except by Sponsor, at their sole discretion, due to prize unavailability or causes otherwise determined solely by Sponsor, and then for a prize of equal or greater value. By participating, Entrants agree: 1) to be bound by these Official Rules; 2) agree that Released Parties, and each of their respective agents, successors, assigns and other designees, shall have the right and permission (unless prohibited by law) to use Entrant’s name, business name, photograph, city/state of residence, likeness, statements, biographical information, voice and/or prize information for any and all public relations, advertising, promotional purposes and/or any forms of media and by all manners (now and hereafter known), worldwide, including the Internet, in perpetuity, without notice, consent, review or approval or further compensation, except where prohibited by law; and (3) Released Parties shall have no liability and Entrant will defend, indemnify, release and hold harmless Sponsor and the other Released Parties from and against any liability, loss, injury or damage of any kind (including attorneys’ fees) to any person or entity, including, without limitation, personal injury, death or damage to personal or real property, due in whole or in part, directly or indirectly, by reason of: (i) Entrant’s entry/participation in the Contest; (ii) any materials he or she may submit in connection herewith; (iii) the acceptance, possession, use or misuse of a prize or participation in any activities associated with the Contest or any prize awarded in connection herewith; (iv) the Released Parties’ violation of rights of publicity or privacy, claims of defamation or portrayal in a false light or based on any claim of infringement of intellectual property; and (v) any typographical, human or other error in the printing, offering, selection, operation or announcement of any Contest activity and/or prize. Sponsor reserves the right, in its sole discretion, to void any and all Entries of an Entrant who Sponsor believes has attempted to tamper with or impair the administration, security, fairness, or proper play of this Contest and to modify, suspend, and/or terminate this Contest (or portion thereof) should virus, bugs, non-authorized human intervention or other causes corrupt or impair the administration, security, fairness or proper play of the Contest and, in the case of termination, at its discretion award the prizes in accordance with same judging criteria set forth above (with or without the Panel scores, as determined by Released Parties in its sole discretion) from among all non-suspect Entries received prior to suspect event requiring such modification, termination, or suspension. In the event Sponsor is prevented from continuing with the Contest by any event beyond its control, including, but not limited to, fire, flood, epidemic, earthquake, explosion, labor dispute or strike, act of God or public enemy, communications or equipment failure, utility or service interruptions, riot or civil disturbance, terrorist threat or activity, war (declared or undeclared), interference with the Contest by any party, or any federal, state, or local law, order, or regulation, order of any court or jurisdiction, or other cause not reasonably within Sponsor’s control (each, a “Force Majeure” event or occurrence), Sponsor shall have the right to modify, suspend or terminate the Contest or prize. Sponsor additionally reserves the right, in their sole and absolute discretion: (a) to modify, suspend or terminate the Contest should causes beyond Sponsor’s control corrupt or interfere with the administration, integrity, operation, security or proper play of the Contest; or (b) to disqualify any Entrant found to be, or suspected of: (i) tampering with the Entry process or the operation of the Contest; (ii) acting in violation of these Official Rules; or (iii) acting in an un-sportsmanlike manner. Released Parties make no warranty, guaranty or representation of any kind concerning any prize (or any portion thereof), and disclaim any implied warranty. The invalidity or unenforceability of any provision of these Official Rules will not affect the validity or enforceability of any other provision. In the event that any provision of the Official Rules is determined to be invalid or otherwise unenforceable or illegal, the other provisions will remain in effect and will be construed in accordance with their terms as if the invalid or illegal provision were not contained herein. Entrants agree to waive any rights to claim ambiguity of these Official Rules. Headings are solely for convenience of reference and will not be deemed to affect in any manner the meaning or intent of the documents or any provision hereof. In the event there is a discrepancy or inconsistency between disclosures or other statements contained in any Contest-related materials, and/or the terms and conditions of the Official Rules, the Official Rules shall prevail, govern and control and the discrepancy will be resolved in Sponsor’s sole and absolute discretion.

PRIVACY AND OPT-IN: Your participation by your Entry constitutes your consent to participate in this Contest and consent for Released Parties to obtain, use, and share your Entry, name, business name, address, email and other details (collectively, “Contest Data”) for Contest administration purposes. For information regarding Sponsor’s privacy practices, please visit https://www.mastercard.us/en-us/about-mastercard/what-we-do/privacy.html. Released Parties are not responsible for late, lost, stolen, illegible, incomplete, misdirected, delayed, garbled, damaged, inaccurate or undelivered emails, Entries, theft, destruction or unauthorized access to, or alteration of Contest Data, defect/delay in transmission or communication, including, but not limited to, recording failures, or for telephonic, human or computer failures, problems or errors, interruptions in service leveraged to create an Entry, whether due to system upgrades, repairs, modifications or other causes, defect or delay in transmission, connections, satellite, network, cable, Internet Service Provider (ISP), phones, phone lines or telephone systems, recording/filming systems, electronic equipment, computer hardware or software failures, inaccurate Entry information, traffic congestion on the internet, technical or mechanical malfunctions, or other malfunctions, errors or delays, whether caused by equipment, programming, human error, acts of God or otherwise relating to or in connection with the Contest, including, without limitation, errors which may occur in connection with the administration of the Contest, the processing of Entries, Contest Data processing, the tabulation of judging points, the announcement of prizes and winners, the cancellation or postponement of the Contest, for any injury or damage to participant’s or any other person’s computer or other device relating to or resulting from participation in this Contest, or for printing, typographical, human or other errors appearing in these Official Rules, in any Contest advertisements or other materials. Use of any device to automate or subvert Entry is prohibited and any Entries received by such means will be void. No software-generated, robotic, programmed, script, macro or other automated Entries are permitted and any Entries received by such means will be void.

ENTRY ERRORS/TAMPERING: Released Parties are not responsible for late, lost, stolen, illegible, incomplete, misdirected, delayed, garbled, damaged, inaccurate or undelivered emails, Entries, theft, destruction or unauthorized access to, or alteration of Contest Data, defect/delay in transmission or communication, including, but not limited to, recording failures, or for telephonic, human or computer failures, problems or errors, interruptions in service leveraged to create an Entry, whether due to system upgrades, repairs, modifications or other causes, defect or delay in transmission, connections, satellite, network, cable, Internet Service Provider (ISP), phones, phone lines or telephone systems, recording/filming systems, electronic equipment, computer hardware or software failures, inaccurate Entry information, traffic congestion on the internet, technical or mechanical malfunctions, or other malfunctions, errors or delays, whether caused by equipment, programming, human error, acts of God or otherwise relating to or in connection with the Contest, including, without limitation, errors which may occur in connection with the administration of the Contest, the processing of Entries, Contest Data processing, the tabulation of judging points, the announcement of the prize and winner, the cancellation or postponement of the Contest, for any injury or damage to participant’s or any other person’s computer or other device relating to or resulting from participation in this Contest, or for printing, typographical, human or other errors appearing in these Official Rules, in any Contest advertisements or other materials. Use of any device to automate or subvert Entry is prohibited and any Entries received by such means will be void. No software-generated, robotic, programmed, script, macro or other automated Entries are permitted and any Entries received by such means will be void.

CAUTION: ANY ATTEMPT BY ANY PERSON TO DAMAGE ANY WEBSITE OR OTHERWISE CORRUPT THE CONTEST OR TO UNDERMINE THE LEGITIMATE OPERATION OF THE CONTEST MAY BE A VIOLATION OF CRIMINAL AND CIVIL LAWS. SHOULD SUCH AN ATTEMPT BE MADE, SPONSOR RESERVES THE RIGHT TO DISQUALIFY, PROSECUTE AND SEEK DAMAGES FROM ANY SUCH PERSON TO THE FULLEST EXTENT PERMITTED BY LAW. The Sponsor reserves the right to void all entries made through any robotic, automatic, mechanical,

programmed or similar entry duplication method and to disqualify any individual using such a method. Any Entrant determined to be involved in such prohibited activity will not be eligible to receive a prize in this Contest.

DISPUTE RESOLUTION: Except where prohibited, each Entrant agrees that this Contest shall be governed by and construed in accordance with, the laws of the state of New York without giving effect to its or any other state’s choice of law or conflict of law statutes, regulations or rules. Entrants agree that any and all disputes, claims, causes of action, or controversies (“Claims”) arising out of or in connection with the Contest shall be resolved, upon the election by either the Entrant, Sponsor and/or its affiliates (each, a “Party”) by arbitration conducted by telephone, online and/or be solely based on written submissions without any personal appearance by the parties or witnesses unless otherwise mutually agreed by the parties, pursuant to this provision and the code of procedures of either the National Arbitration Forum (“NAF”) or the American Arbitration Association (“AAA”), as selected by the Participant. IF ARBITRATION IS CHOSEN BY ANY PARTY WITH RESPECT TO A CLAIM, NEITHER PARTY WILL HAVE THE RIGHT TO LITIGATE THAT CLAIM IN COURT OR HAVE A JURY TRIAL ON THAT CLAIM. FURTHER, NEITHER PARTICIPANT OR SPONSOR NOR WEBSITE HOST WILL HAVE THE RIGHT TO PARTICIPATE IN A REPRESENTATIVE CAPACITY ON BEHALF OF THE GENERAL PUBLIC OR OTHER PERSONS SIMILARLY SITUATED, OR AS A MEMBER OF ANY CLASS OF CLAIMANTS PERTAINING TO ANY CLAIM SUBJECT TO ARBITRATION. EXCEPT AS SET FORTH BELOW, THE ARBITRATOR’S DECISION WILL BE FINAL AND BINDING. NOTE THAT OTHER RIGHTS THAT PARTICIPANT WOULD HAVE IF PARTICIPANT WENT TO COURT ALSO MAY NOT BE AVAILABLE IN ARBITRATION. Unless the Entrant and Sponsor mutually agree otherwise, the arbitrator may not consolidate more than one person’s claims and may not otherwise preside over any form of a representative or class proceeding. The arbitrator’s authority to resolve Claims is limited to Claims between the Sponsor and/or its affiliates and Entrant, alone and the arbitrator’s authority to make awards is limited to awards to the Sponsor and/or its affiliates and the participant alone. Furthermore, claims brought by either party against the other may not be joined or consolidated in arbitration with Claims brought by or against any third party, unless agreed to in writing by all parties. The arbitrator may award declaratory or injunctive relief only in favor of the individual party seeking relief and only to the extent necessary to provide relief warranted by that party’s individual claim.

No arbitration award or decision will have any preclusive effect as to issues or claims in any dispute with anyone who is not a named party to the arbitration. Notwithstanding any other provision in these Official Rules and without waiving either party’s right to appeal such decision, should any portion of this paragraph be deemed invalid or unenforceable, then the entirety of this arbitration provision (other than this sentence and the paragraph below) shall be null and void.

If arbitration is not used to resolve a claim, ENTRANT AGREES THAT THERE WILL NOT BE A JURY TRIAL. ENTRANT AND SPONSOR EACH UNCONDITIONALLY WAIVE ANY RIGHT TO TRIAL BY JURY IN ANY CLAIM OR COUNTERCLAIM ARISING OUT OF OR RELATING TO THIS CONTEST IN ANY WAY. IN THE EVENT OF LITIGATION, THIS PARAGRAPH MAY BE FILED TO SHOW A WRITTEN CONSENT TO A TRIAL BY THE COURT. Entrant agrees that this Contest shall be subject to and governed by the laws of the State of New York, without giving any effect to the principals of conflicts of law, and the forum for any dispute shall be in New York.

Winners List: For the winner’s name, send a self-addressed, stamped envelope to be received by 11/22/21 to: Small Business Impact Awards Contest Winners, 211 Greenwood Ave. 2-2, Promo 501, Bethel, CT 06801.

Mastercard and Mastercard Prepaid are registered trademarks, and the circles design is a trademark, of Mastercard International Incorporated.
Bank of America and the Bank of America logo are registered trademarks of Bank of America Corporation.
The use of any non-Released Parties’ trademarks, service marks, logos, or other marks in connection with this Contest or any prize is not meant by Released Parties to imply the endorsement of the respective owner(s) of such marks, or any affiliation of the respective owner(s) of such marks with Contest advertisements or the Contest.

Sponsor: Mastercard International Incorporated, 2000 Purchase Street, Purchase, NY 10577.
Administrator: teamDigital Promotions, Inc., 6 Berkshire Blvd, Bethel, CT 06801, www.teamDigital.com.