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The Great American Home Loan Giveaway Official Rules

Promotional Period: The Promotion begins on January 1, 2014 at 8:00 a.m. Central Daylight Time and ends on December 31, 2014 at 6:00 p.m. Central Standard Time (the "Promotional Period").

Eligibility and Restrictions: When you open any loan product secured by real estate (which would include mortgage loans, mortgage refinances, home equity loans or home equity lines of credit) during the Promotional Period with American National Bank and it's subsidiaries and trade names in Nebraska or Iowa, you will automatically be entered for a chance to be drawn as our winner in the The Great American Home Loan Giveaway. To be eligible to win you must be a Nebraska or Iowa resident, at least 18 years old as of January 1, 2014, and have a valid photo identification. In addition, you must have a checking or savings account with American National Bank and you must have closed and received funds for a mortgage loan, mortgage refinance, home equity loan or home equity line of credit from American National Bank during the Promotional Period. To be eligible, a new mortgage loan, mortgage refinance or home equity loan must be owner occupied and have an initial principal balance of at least $10,000.00, and a home equity line of credit opened during the Promotional Period must have a minimum principal draw of at least $10,000.00 during the Promotional Period. Loans retained by the bank must be current to qualify for the complete reward. If the bank loan should go into default over 30 days at any time, American National Bank reserves the right to use monthly proceeds to apply to the outstanding loan balance.

One winner will be selected from all qualified entries in a random drawing to be conducted following the close of the Promotional Period. One entry per person and/or household. Additional purchase or payment is not necessary to win, and will not increase your odds of winning. Employees, directors and/or volunteers of American National Bank or Residential Mortgage Services, or their affiliated and subsidiary companies; their legal advisors, advertising agency or other radio or television stations, and any other media; as well as the immediate family (spouse, parents, siblings and children, regardless of where they live) or members of the households of such employees, officers or directors (whether or not related), are not eligible. By entering, you agree to these Official Rules and the decisions of American National Bank, which are final and binding in all respects. Void where prohibited.

Prize and Odds of Winning: The prize that will be awarded to the winner is: Twelve (12) consecutive monthly payments of $1,000.00 ("Monthly Prize"), plus the payment provided for in the "Taxes" section of these rules. Payment start date will be jointly determined by American National Bank and prize winner. The maximum value of the prize is $14,000.00. Deposit will be made to an American National Bank checking or savings account. Winner will be required to open an account if winner does not already have one. Winner is solely responsible to pay their entire monthly loan payments, the bank assumes no liability if payments are not paid. Odds of winning depend on the number of eligible entries received, approximately one in 20,000. Drawing will be held on January 7, 2015.

Additional Terms and Conditions: If the winner is disqualified or cannot accept the prize as stated, American National Bank reserve the right to determine an alternate winner, in its sole discretion. Prize is not transferable, redeemable for cash or exchangeable for any other prize. The winner must agree to take possession of prize in person by February 28, 2015 in Omaha, NE. American National Bank may require winner to complete, execute and return affidavits of eligibility, liability releases and publicity releases prior to taking possession of prize. If the winner refuses or otherwise fails to sign the foregoing documents, or if the winner cannot be notified, or if the winner is found to be ineligible or not in compliance with these Official Rules, the winner may be disqualified in which case an alternate winner will be selected.

Taxes: The winner who takes possession of "The Great American Home Loan Giveaway" is solely responsible for reporting and paying any and all applicable state or federal taxes. American National Bank will pay the winner an additional $2,000 towards applicable taxes to be disbursed in March of the following year of the initial prize disbursement (March 2016). The winner is responsible for any tax implications. The winner must provide American National Bank with valid identification and a valid taxpayer identification number or social security number before the prize will be awarded. Any person winning The Great American Home Loan Giveway will receive an IRS Form 1099-MISC at the end of the calendar year in which the prize money is allocated, a copy of which will be filed with the IRS.

Release: By participating in the Great American Home Loan Giveaway, each participant and the winner waives any and all claims of liability against American National Bank , its employees and agents for any personal injury or loss which may occur from the conduct of, or participation in, the giveaway, or from the use of any prize. In order to receive the prize, the winner must sign an official waiver form and publicity release form provided by American National Bank. Failure to sign the release forms will be grounds for disqualification.

Publicity: The winner agrees to permit American National Bank to utilize his/her name and likeness (photographs, voice or video recordings) in promotional and other American National Bank materials, without additional compensation or permission, except where prohibited by law. The winner's name and photograph will be available at all American National Bank and offices.

Compliance with Law: The conduct of the Giveaway is governed by the applicable laws of the United States of America, which take precedence over any rule to the contrary herein. American National Bank shall follow the applicable laws for conducting contests, including notice to the state attorney general or consumer affairs office, posting of a prize bond, furnishing lists of winners, running specific on air disclaimers, providing specific written information about the Contest, etc. as required by local and state law.

Limitations of Liability/General Rules: By participating, entrants release and agree to hold harmless American National Bank and its affiliates, and subsidiary companies, advertising agency and their respective directors, officers, employees, representatives and agents from any and all liability for any injury, loss or damage of any kind to person, including death, and property arising in whole or in part, directly or indirectly, from acceptance, possession, use or misuse of the Prize, participation in any Great American Home Loan Giveaway related activity, or participation in this Giveaway. Sponsor reserves the right, at its sole discretion, to disqualify any individual it finds to be tampering with the entry process or the operation of the Giveaway; to be acting in violation of the Official Rules; or to be acting in a non sportsmanlike or disruptive manner, or with intent to annoy, abuse, threaten or harass any other person.

Sponsor: American National Bank, 8990 West Dodge Road, Omaha NE 68114.



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