Currency ConversationsSWEEPSTAKES

Chase "Currency Conversations" Sweepstakes (the "Sweepstakes")

OFFICIAL RULES

No Purchase or Obligation Necessary to Enter or Claim a Prize. A purchase will not increase your chances of winning.

This Sweepstakes is in no way sponsored, endorsed or administered by, or associated with, Facebook, Twitter or Instagram. Any information provided is being provided to the Sponsor and not to Facebook, Twitter or Instagram.

ELIGIBILITY :

Sweepstakes is open to legal residents of the fifty (50) United States and the District of Columbia who are seventeen (17) years of age or older at the time of entry ("you" or the "Entrant(s)" or "Participant(s)"). Employees of JP Morgan Chase Bank, N.A. ("Sponsor" or "Chase"), ESSENCE Magazine, America Saves, Sage Consulting and their respective parent companies, related subsidiaries and affiliated companies, prize suppliers, and advertising and promotion agencies including Millennium Communications, Inc., and Marden-Kane, Inc. ("Administrator") and each of their respective agents, representatives, officers, directors, shareholders, and employees, and the immediate families (spouse, and parents, children and siblings, and their respective spouses regardless of where they live) (collectively "Releasees"), and individuals living in the same households, whether related or not, of the above, are not eligible to enter or win a prize. Each Entrant by participating in the Promotion agrees to be bound by the Official Rules and that of the Sponsor's decisions. Void where prohibited or restricted by law. The Promotion is subject to all applicable federal, state, and local laws and regulations.

TIMING :

The Sweepstakes begins on August 1, 2019 at 9:00:00 AM Eastern Time ("ET") and ends on October 1, 2019 at 11:59:59 PM ET (the "Sweepstakes Period"). For purposes of this Sweepstakes, a "day" is defined as a 24-hour period, beginning at 12:00:00 AM PT and ending at 11:59:59 PM PT except for the first day of the Sweepstakes where a day is defined as beginning at 9:00:00 AM ET and ending at 11:59:59 PM ET. The Sponsor's computer, or that of its designee, runs the official clock for the Sweepstakes and will solely determine the time by which an entry is received.

HOW TO ENTER :

Go to the Sweepstakes registration page located at: currencyconversations.com/sweeps (the "Web Site") any time during the Sweepstakes Period. Complete the required information on the entry form, which may include, among other things, full name, e-mail address, telephone number, and related registration information as prompted. Entrant must complete the entry form with all required information and click "Submit" for the entry to be eligible.

Limit: There is a limit of (1) entry per person/email address for the entire Sweepstakes Period. Entries received in excess of the entry limit stated herein will be disqualified. By participating in the Sweepstakes Entrant agrees to comply with the Sweepstakes Official Rules. Entries may only be submitted by a single Entrant. Entries that do not comply with these Official Rules, as determined in Sponsor and/or Administrator's sole discretion, will be disqualified from the Sweepstakes. Decisions of the Sponsor and/or Administrator are final and binding. Any attempt by any Entrant to obtain more than the stated number of entries by using any other methods will void that Entrant's entries and that Entrant may be disqualified.

PRIZES/ODDS :

Three (3) Grand Prize Winners: A one-on-one 1-hour virtual financial coaching consultation session with a certified finance coach from Sage Consulting. Approximate Retail Value ("ARV"): $500.00 each winner.

Two (2) First Prize Winners: A (1)-hour virtual financial coaching consultation session with a certified financial coach from Sage Consulting for the Winner and up to two (2) friends. ARV: $525 each winner.

Total ARV of all prizes: $2,550.00. Odds of winning a prize depend on the total number of eligible entries received.

Prize Conditions : Winner is responsible for the payment of all taxes on the prizes. All details of prizes not specified herein shall be determined solely by Sponsor and prize provider. Except as provided herein, no cash, transfers or prize substitution is allowed except at the discretion of Sponsor, who reserves the right to substitute a prize (or prize component) with one of comparable or greater value. If prize cannot be awarded due to circumstances beyond the control of Sponsor and/or prize provider, a substitute prize of equal or greater retail value will be awarded; provided, however, that if prize is awarded but unclaimed or forfeited by recipient, prize may not be re-awarded, in Sponsor's sole discretion. By accepting the prize, Prize Winner acknowledges compliance with these Official Rules.

RANDOM DRAWINGS :

A random drawing will be conducted on or about October 7, 2019 from among all eligible entries received by the end of the Sweepstakes Period. Drawing will be conducted by Marden-Kane, Inc., (the "Administrator"), who is an independent judging organization. Decisions of the Sponsor/Administrator will be final and binding on all matters relating to this Sweepstakes.

WINNER NOTIFICATION:

Potential Winner's will be notified at email address and/or phone number provided on the Entry within three (3) business days of the drawing and will be required to execute and return an Affidavit of Eligibility and Liability Release and where legal, a Publicity Release (the "Affidavit") within five (5) days following the date of issuance of notification or the prize may be forfeited and awarded to an alternate potential winner. If the prize is won by an eligible individual who is not of the legal age of majority in the state of residence (minor), the required documents must be confirmed and signed by winner's parent or legal guardian, and the prize will be awarded in the name of his/her parent or legal guardian, who will be required to fulfill all requirements imposed on the winner set forth herein. Failure to timely return any documents requested, return of prize notification as undeliverable, or noncompliance with these Official Rules will result in such potential Winner being disqualified. Sponsor shall have no further obligation to that potential Winner, and an alternate Winner may be determined. If a potential Winner (i) cannot be contacted after a reasonable attempt has been made by Administrator (as determined in Sponsor's sole discretion); (ii) refuses the prize; and/or (iii) the prize or prize notification is rejected or returned as undeliverable, such potential winner forfeits all rights to be deemed a winner in the Sweepstakes and receive the prize, then that potential prize winner will be disqualified and an alternate winner may be selected through a random drawing by the Administrator from the remaining entries. Prizes must be accepted as awarded. Except where prohibited by law, each potential winner's entry and acceptance of a prize constitutes the potential winner's irrevocable, sub-licensable, absolute right and permission for the Sponsor and its designees to use, publish, post or display the potential winner's name, entry submission, statements, biographical information, voice, city and state address, any quotes attributable to him or her, photographs/likenesses and any other indicia of persona (regardless of whether altered, changed, modified, edited, used alone, or used with other material in Sponsor's sole discretion) for any purpose, including but not limited to advertising and promotional purposes for this and similar promotions, worldwide, and in perpetuity, in any and all forms of media, now known or hereafter devised (including and without limitation, the Internet) without additional authorization, opportunity to review, approval, notification or compensation and each potential winner releases Releasees from any and all liability related thereto. In no event will more Sweepstakes prizes be awarded than those listed in these Official Rules.

GENERAL CONDITIONS:

By accepting a prize, Winner, or if a minor, their parent or legal guardian, must consent to the use of his/her name, city/state of residence, photograph, visual and/or audio likeness for advertising or promotional purposes by Sponsor, and its designees, including but not limited to the posting of Winner's name on the Sponsor's website, in a Winners List or other online announcements, without additional compensation, permission or notification except where prohibited by law. U.S. law governs this Sweepstakes. Prizes are awarded "as is" with no warranty or guarantee, either express or implied by the Sponsor.

LIMITATION OF LIABILITY AND RELEASE OF CLAIMS:

By participating in the Sweepstakes, Entrants agree to release, indemnify and hold harmless Releasees, Facebook, Twitter, and Instagram and each of their respective agents, representatives, officers, directors, shareholders and employees from and against any injuries, losses, damages, claims, actions and any liability of any kind resulting from or arising from participation in the Sweepstakes or acceptance, possession, use, misuse or nonuse of the prize (including any travel or travel-related activity thereto) that may be awarded. This Sweepstakes and these Official Rules shall be interpreted in accordance with the laws of the State of Delaware without regard to its principles of conflicts of law. Jurisdiction and venue shall be solely within the State of Delaware. Releasees are not responsible for technical, computer, mechanical, printing, typographical, human or other errors relating to or in connection with the Sweepstakes, including, without limitation, errors which may occur in connection with the administration of the Sweepstakes, the processing of entries, the announcement of the prizes or in any Sweepstakes related materials; or for stolen, lost, late, misdirected, damaged, incomplete, inaccurate, undelivered, delayed or illegible entries or; for electronic, computer, or telephonic malfunction or error, fail to enter into the processing system, or are processed, reported, or transmitted late or incorrectly or are lost for any reason including computer, telephone, paper transfer, or process any transaction thereon. If in the Sponsor's opinion, for any reason this Sweepstakes is not capable of running as planned, or there is any suspected or actual evidence of electronic or non-electronic tampering with any portion of the Sweepstakes, or if computer viruses, bugs, unauthorized intervention, fraud, or technical difficulties or failures compromise or corrupt or affect the administration, integrity, security, fairness, or proper conduct of the Sweepstakes, the Sponsors reserve the right at their sole discretion to disqualify any individual (and void his/her entry and/or prevent him/her from future participation) who tampers with the entry process and/or who is acting in violation of these Official Rules, to modify or suspend the Sweepstakes, or to terminate the Sweepstakes and at Sponsor's discretion conduct the judging to award the prize using all eligible non suspect transactions and entries received as of the termination date. As a condition of entering the Sweepstakes, Entrants agree that: a.) under no circumstances will Entrants be permitted to obtain awards for, and Entrants hereby waives all rights to claim, indirect, punitive, incidental, consequential, or any other damages, other than for actual out-of-pocket expenses; b.) all causes of action arising out of or connected with this Sweepstakes, or the prizes awarded, shall be resolved individually, without resort to any form of class action; and c.) any and all claims, judgments, and awards shall be limited to actual out-of-pocket costs incurred, if any, but in no event shall Entrant be entitled to receive attorneys' fees or other legal costs, and in no event to exceed two hundred fifty dollars ($250). Sponsor reserves the right to modify prize award procedures at their discretion. Sponsor's failure to enforce any term of these Official Rules shall not constitute a waiver of that or any other provision.

PRIVACY:

Information collected from Entrants is used only for the purpose of awarding prizes, operating the Sweepstakes consistent with the Official Rules and to notify Winners, and will not be re-used, sold or shared in any manner by Sponsor or any third parties unless Entrant has opted-in to receive additional information and promotional material from Sponsor or a third party. Once the Sweepstakes, including any known or unknown extensions of the Sweepstakes, has ended, all information supplied by Entrants will be removed from the database.

WHO WON :

To request the list of winners, send an e-mail with subject line Chase Currency Conversations Sweepstakes Winners to jvaaref@zxcebzbfbhepr.pbz. Requests must be received no later than October 31, 2019. The list will be sent when the drawing has been conducted and the winners verified.

SPONSOR :

JP Morgan Chase Bank, N.A. and its respective parent companies, related subsidiaries and affiliated companies, 201 N. Walnut Street, Wilmington, DE 19801.

Administrator: Marden-Kane, Inc., 575 Underhill Blvd., Ste. 222, Syosset, NY 11791.

This Sweepstakes is in no way sponsored, endorsed, administered by or associated with ESSENCE Magazine, America Saves or Sage Consulting and their names and logos are registered trademarks of each.

Facebook is a registered trademark of Facebook, Inc. Twitter is a registered trademark of Twitter, Inc. Instagram is a registered trademark of Instagram, Inc. Any questions, comments or complaints regarding the Sweepstakes are to be directed to Sponsor, at the address above, not Facebook, Twitter, or Instagram.

© 2019 Marden-Kane, Inc. All rights reserved. These Official Rules may not be copied, edited, or used for any other purpose, commercial or otherwise, without the express written consent of Marden-Kane, Inc.