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Register to Win Summer Promotion - 10 Cash Prizes
Winners are announced!
Jane A Meyer, MI, USA
David Frey, TX, USA
Donald A Bell, MB, Canada
Hector Rosa, PA, USA
Jeff J Wolfe, NM, USA
Joann Moritz, OH, USA
Luanne D Risberg, MN, USA
Mary L Cehoda, IL, USA
Ronald Lawrence, OH, USA
Weyland D Leach, MN, USA

Official Rules

No purchase necessary to enter or win.Purchase will not increase your chance of winning.

This Register to Win Summer Promotion- 10 Cash Prizes (the "Promotion") is conducted by The Independent Order of Foresters ("Foresters"), which is a life insurance provider that champions the well-being of families.It has its international head office at 789 Don Mills Road, Toronto, Ontario, Canada M3C 1T9.The Promotion is open to Foresters members meeting the eligibility requirements ("Entrants").For this purpose, the word "member" has the meaning set out in Foresters Constitution and associated documents that define who is a member of Foresters.   A copy of the Foresters Constitution may be viewed at: http://www.foresters.com/CA-EN/About/Corporate-Governance/Pages/constitution.aspx

In these Rules, "we", "us", "our" and "Foresters" means Foresters and "you" means each person who wishes to enter.

By entering this Promotion you agree that you have read and understood these Rules and that you agree to comply with and be bound by the Rules.Foresters reserves the right to modify these Rules.

Prizes

There are ten (10) prizes of $200 available to be won. The total of prizes for the Promotion is $2,000.Prizes will be awarded in U.S. or Canadian dollars depending on the residence of the Entrant.

We reserve the right to substitute a prize of equal or greater value, at our discretion. You must accept the prize as we award it.   If a prize is substituted you cannot choose to receive cash instead.     

All taxes for prizes are the sole responsibility of the individual winners.

Eligibility
THE PROMOTION IS INTENDED TO BE CONDUCTED IN THE UNITED STATES AND CANADA, EXCLUDING QUEBEC.THIS PROMOTION SHALL ONLY BE CONSTRUED AND EVALUATED ACCORDING TO THE LAWS OF THE STATE/PROVINCE IN WHICH THE ENTRANT RESIDES.NOT AVAILABLE TO RESIDENTS OF QUEBEC.VOID IN WHOLE OR IN PART WHERE PROHIBITED BY LAW.

THE PROMOTION IS OPEN TO ELIGIBLE MEMBERS OF FORESTERS WHO HAVE NOT PREVIOUSLY REGISTERED ON MyForesters.com AND WHO RECEIVED AN E-MAIL DIRECTLY FROM FORESTERS INVITING THEM TO ENTER THE PROMOTION BY REGISTERING ON MyForesters.com.

ENTRANTS MUST BE LEGAL RESIDENTS OF THEIR STATE/PROVINCE AND MEET THE OTHER REQUIREMENTS UNDER THESE PROMOTION RULES.ENTRANTS MUST BE OF THE AGE OF MAJORITY OR OLDER IN THEIR STATE/PROVINCE OF RESIDENCE AT THE TIME OF ENTRY. ENTRY IN THIS PROMOTION CONSTITUTES ACCEPTANCE OF THESE RULES.

You are not eligible to enter the Promotion if you are:

(a)   employed by Foresters, any of its affiliates, or any of its advertising agencies; or
(b)  an immediate family member of anyone who is employed by one of the organizations referred to in (a); or
(c)   you live in same household with an employee, or an immediate family member of an employee, of any of the organizations referred to in (a).

Promotion Period

The Promotion Period begins at 12:00 a.m. Eastern Standard Time (EST) on July 25, 2013 and closes at 11:59:59 p.m. on August 30, 2013.This is the duration of the Promotion.

How to Enter

To enter this Promotion you must complete your registration at MyForesters.com during the Promotion Period.

Each Entrant may only enter once.Additional entries, however received, will not be entered into the draw.

How the Winners are Chosen

Within five (5) Business days of the end of the Promotion Period, Foresters or a representative chosen by Foresters will randomly choose ten (10) potential winner(s) from the eligible entries received during the Promotion Period.

Your odds of winning depend on the number of eligible entries received.

Within ten (10) Business days of each draw, Foresters will contact the potential winner(s) using the contact information on their certificate file with Foresters.Each potential winner must respond and contact Foresters within five (5) Business days and, if a Canadian resident, successfully answer a skill-testing question.The winner must then allow us to photograph him or her for publicity purposes, and sign a release as referred to below.

If the potential winner does not respond within the time limits that apply, or does not successfully answer the skill-testing question, or does not otherwise comply with these Rules, then he or she will be disqualified.In that case, we will promptly draw another potential winner who, upon notification, will be required to contact us within five (5) Business days and satisfy the requirements for claiming the prize.

If after three such attempts to choose a winner any prize remains to be distributed, we reserve the right to donate it to a charity of our choice.In such limited circumstances, a prize may not be awarded.

We are not responsible if any notification to a potential winner is undeliverable, or if a potential winner does not respond within the required time, or we do not receive the potential winner's response, or if a potential winner is otherwise disqualified under these Rules.

Delivery of Prize

Prize will be distributed within sixty (60) days after the winner has been successfully contacted and notified of their prize and has complied with all Promotion rules and requirements.

List of Winners

The list of winners for a given Promotion Period may be obtained by visiting https://my.foresters.com/en/Pages/SummerPromo-Terms_and_Conditions.aspx

Personal Information

By entering this Promotion, you agree that Foresters can collect, use and disclose your personal information to:
·administer this Promotion;
·administer myForesters.com or any other member portal subsequently developed by Foresters;
·update your contact information on your certificate file;
·detect errors, fraud and other illegal activity, and protect Foresters, its affiliates and other third parties from them; and
·as otherwise permitted or required by law.

Personal information will not be provided to any third party other than as provided for in these Rules. Foresters and any third party agents will use personal information only for purposes related to this Promotion. Foresters any third party agents will be required to protect all personal information in a manner that is consistent with Foresters Privacy Policy available at: http://www.foresters.com/us-en/pages/privacy.aspx
By entering this Promotion you agree that you have read and accepted this Privacy Policy.

Publicity

By entering the Promotion, you irrevocably agree that if you win that Foresters may, unless prohibited by law, use your name, city of residence, photograph, image and/or likeness for any advertising or promotional materials, including but not limited to our website, news releases and on social media sites, without further compensation, in perpetuity and worldwide.

Limitation of Liability

Foresters assumes no responsibility or liability for lost, late, misdirected or incomplete entries, notifications, responses, replies or any Release, or for any computer, mobile device, online, telephone, hardware, software or technical malfunctions that may occur, including but not limited to malfunctions that may affect the transmission or non-transmission of an entry. Foresters is not responsible for any incorrect or inaccurate information, whether caused by website users or by any of the equipment or programming associated with or utilized in the Promotion or by any technical or human error which may occur in the administration of the Promotion.

Foresters assumes no responsibility for any error, omission, interruption, deletion, defect, delay in operation or transmission, communications line failure, illegal tampering, theft or destruction or unauthorized access to, or alteration of, entries. Foresters is not responsible for any problems, failures or technical malfunction of any telephone network or lines, computer online systems, servers, providers, computer equipment, mobile devices, software, e-mail, players, or browsers, on account of technical problems or traffic congestion on the Internet, at any website, or on account of any combination of the foregoing.

Foresters is not responsible for any injury or damage to Entrant or to any computer or mobile device related to or resulting from participating in, or downloading materials for, this Promotion.Entrant assumes liability for injuries caused or claimed to be caused by participating in the Promotion, or by the acceptance, possession, use of, or failure to receive any prize. Foresters assumes no responsibility or liability in the event that the Promotion cannot be conducted as planned for any reason, including those reasons beyond the control of Foresters, such as infection by computer virus, bugs, tampering, unauthorized intervention, fraud, technical failures, or corruption of the administration, security, fairness, integrity or proper conduct of this


Release

Each winner will be required to execute and return to the address provided by Foresters a legal agreement and release ("Release") that confirms the winner's: (i) eligibility for the Promotion and compliance with these Rules; (ii) acceptance of the prize as offered; (iii) release of and hold harmless The Independent Order of Foresters and its respective affiliates, subsidiaries, advertising and promotion agencies and each of their respective directors, managers, officers, shareholders, members, employees, representatives, attorneys and agents (collectively the "Releasees") from any and all liability for any loss, harm, damages, cost or expense arising out of participation in this Promotion, participation in any Promotion-related activity or the acceptance, use, or misuse of any prize including without limitation, costs, injuries, losses related to personal injuries, death, damage to, loss or destruction of property, rights of publicity or privacy, defamation, or portrayal in a false light, or from any and all claims of third parties arising therefrom; and (iv) grant to Foresters the unrestricted right, in Foresters' collective or individual discretion, to use or reuse likeness, name, appearance and biographical material in any and all media now known or hereafter devised, in connection with the Promotion and the promotion and exploitation (in any form or media) thereof. The executed legal agreement and Release must be returned within fourteen (14) days of the selected winner's response in notification as a selected winner or will be disqualified and the prize forfeited.

General Rules

We reserve the right to cancel, suspend and/or modify this Promotion if any factor beyond our control negatively affects the proper functioning of this Promotion.Examples of such factors include, but are not limited to, large-scale blackouts, any electronic attempt to disrupt our ability to receive eligible entries, and any delay that would make it difficult for us to meet the timelines set out in these rules.

We reserve the right to disqualify anyone who violates these Rules or tries to tamper with the entry process or the operation of this Promotion.

Foresters reserves the right to modify these Rules.Decisions by Foresters about how to apply these Rules will be final and binding.

Governing Law

This promotion is subject to the laws of the State or Province in which the eligible entrant resides, and any applicable federal laws.

This Promotion and the Rules will be exclusively governed and construed in accordance with the laws of the province of Ontario.Any dispute arising hereunder shall be governed by the laws of Ontario and adjudicated in the applicable court in Toronto, Ontario, Canada.

We can change these Rules without notice if necessary to comply with any law that applies to this Promotion.

This Promotion is void in part or in whole where prohibited by law.

Questions

If you have any questions about this Promotion, please contact Foresters at service@foresters.com, or call 1 800 828 1540.