The “PENN MUTUAL Rugby Photo Caption” Contest
Sponsor:  The Penn Mutual Life Insurance Company, Horsham, PA 19044.
Administrator: National Sweepstakes Company, LLC, Rochester, NY 14610.
The “Penn Mutual Rugby Caption” Contest (“Contest”) is open only to legal residents of the 50 States of the United States and the District of Columbia who are at least the age of majority in their state of resident (19 in Alabama and Nebraska, 21 in Mississippi, and 18 in all other states) as of date of entry.  If you do not reside in the aforementioned territory, do NOT attempt to enter the Contest as it is NOT intended for you. Contest is void outside the 50 States of the United States and the District of Columbia; Contest is void where prohibited by law.
By entering this Contest you give your consent to receive future promotional materials or information from the Sponsor in which you will have the option to opt-out at that time. 
DATES OF CONTEST:  The Contest starts at 10:00 AM Eastern Time (ET) on October 6, 2017 and ends 11:59 PM ET on October 29, 2017 (the “Contest Period”).
HOW TO ENTER:  To enter, visit (the “Website”) during the Contest Period to complete and submit all of the below (the “Submission”) to enter the Contest:
  1. Photo Caption: Submit your caption that best fits the photo for any or all four (4) of the photos presented on the Website. The caption must be in English and 500 characters or less. Captions that contain any content deemed to be indecent, inappropriate, and morally objectionable or otherwise unfit for advertising or publication will be disqualified. Then, click “Next Step” to complete part (b).
  2. Registration:  Complete the official online entry form (the “Entry Form”) in its entirety including your first name, last name, confirmed email address, and zip code.
After completing part (a) and (b) above, click the “Submit” button for one (1) Submission into the Contest.  In order for a Submission to be valid, entrant must have a valid e-mail address and must click the “Submit” button.  All Submissions must be submitted by 11:59:59 PM ET on October 29, 2017. There is a maximum of ten (10) Submissions per person/e-mail address per photo. In the event entrants submit the same caption, the entrant submitting the Submission first based on the date and time stamp of the Website will be eligible.
All judging of eligible Submissions will be under the supervision of a qualified panel of judges, whose decisions are final in all matters relating to the Contest.  Submissions that; (a) are determined by the Sponsors and/or the judges in their sole discretion to be indecent,  offensive, inappropriate or morally objectionable, (b) illegal or are otherwise unfit for publication;  or (d) violate these Official Contest rules will be disqualified.
Any attempt by any entrant to enter more than ten (10) Submissions per photo by using multiple/different addresses, identities, logins and/or any other methods will void all of that entrant’s Submission, and that entrant will be disqualified from the Contest.  No mechanically or programmatically reproduced Submissions permitted. Sponsor will not verify receipt of Submissions for entrants.  By submitting an Entry Form and other required Submission materials, the participant: (i) warrants and represents that he/she has read these Official Rules,  is eligible to participate in the Contest and agrees to be bound thereby; (ii) warrants and represents that all of the information provided in his/her Submission materials is accurate, (iii) warrants and represents that the Submission materials are the original work of the entrant and do not violate any third party's legal rights (including without limitation rights of copyright, trademark or other intellectual property right, privacy and/or publicity), and/or any applicable law; (iv) represents and warrants that the Submission materials do not contain any disabling device, virus, worm, back door or other disruptive or malicious code that may or are intended to impair their intended performance or otherwise permit unauthorized access to, hamper, delete or damage any computer system, software, network or data; (v) consents to the use of his/her name and/or likeness by the Sponsor and its respective authorized representatives for promotional purposes in connection with the Contest (whether online, in print or through any other media now known or hereafter developed), without additional compensation and unless prohibited by law; (vi) agrees that, if selected as the winner, entrant will be solely responsible for any and all resulting tax consequences; and (vii) consents to allow Sponsor to use any information contained in the submission materials for the purpose of providing entrant with information about available products or services in accordance with applicable law.
Phase 1: On or about October 30, 2017, all eligible Submissions received during the Contest Period will be judged by the Sponsor based on the following criteria:
Creativity: (60%)
Emotional Appeal: (30%)
Uniqueness: (10%)
The three (3) Submissions that receive the highest overall scores for each of the four (4) photos in Phase 1 will move on to Phase 2 of the judging process (each a “Finalist”).  In the event of a tie in Phase 1, the Sponsor will re-judge each tied Submission based upon the above judging criteria and the Submission receiving the highest score will move on to Phase 2. Sponsor will perform as many “tie breakers” as needed in order to determine exactly three (3) Finalists for each of the four (4) photos.
All Submissions eligible for Phase 2 will be displayed on the Website by the Sponsor after Phase 1 judging is complete. Sponsor is not responsible for any technical and/or quality issues of any Submission uploaded to the Website for Phase 2.
Phase 2: In Phase 2, each Finalist’s Submission will be posted to the Website for public voting. Public voting will begin at 10:00 a.m. ET on November 6, 2017 and end at 11:59 p.m. ET on November 19, 2017 (the “Voting Period”). Finalists will receive one (1) vote each time a person clicks the “Vote” button above the respective Submission. Limit one (1) vote per day per public person for the entire Voting Period.  Voting is open to persons who are legal U.S. residents currently residing in the fifty (50) United States and the District of Columbia who are at least eighteen (18) years old. The Sponsor and/or Independent Administrator reserve the right to discount any vote they believe to be cast in a fraudulent manner (i.e. scripting) or any other manner that is considered deceptive, cheating, or cast via any unfair playing practices.
The Finalist Submission receiving the highest number of votes for each photo will be deemed a prize winner. In the event of a tie in Phase 2, the Sponsor will cast one (1) vote to determine the Submission that best meets the judging criteria outlined in Phase 1 above. Sponsor will perform as many “tie breakers” needed in order to determine exactly one (1) prize winner per photo.
The  judging  of Submissions during  Phase  1  will  be  conducted under  the  supervision of  the Sponsor, whose decisions are based upon its  sole discretion and interpretation of these Official Rules and are final and binding in all respects. Any “tie breakers” conducted after Phase 2 will be conducted under the supervision of the Sponsor, whose decisions are based upon its  sole discretion and interpretation of these Official Rules and are final and binding in all respects.
Sponsor reserves the right not to award all prizes if, in its sole discretion, it receives an insufficient number of eligible and qualified Submissions. Prize awards are subject to verification of eligibility and compliance with the terms and conditions of these Official Rules.
PRIZES:  One (1) prize winner per photo will be awarded a $200 American Express gift card.
Total approximate retail value (“ARV”) of each prize to be awarded per photo is $200.
Total ARV of all prizes is $800.
PRIZE RESTRICTIONS: Any expenses related to acceptance and use of prize which are not specified in these Official Rules as well as all applicable taxes on prize are prize winner’s sole responsibility. Prize will only be shipped to street address in the fifty (50) States of the United States or the District of Columbia. No prize substitution except by Sponsor if advertised prize is unavailable for any reason, and only then for prize of comparable value. Prize is not redeemable or exchangeable for cash. Prize is not transferable without the written prior consent of Sponsor which may be granted or withheld in its sole discretion and without liability of any kind. 
6. Conditions of Participation:
(a) All of the following persons are not eligible to participate in the Promotion:
(1) employees, officers and directors of The Penn Mutual Life Insurance Company, its parent company, subsidiaries, affiliates, agencies (including National Sweepstakes Company, LLC);
(b) Sponsor and Administrator assume no responsibility for (i) any incomplete, incorrect or inaccurate information whether caused by web site users, tampering, hacking or by any of the equipment or programming associated with or utilized in the Contest or by any technical or human error; (ii) any error, omission, interruption, deletion, defect, delay in operation or transmission, communications line failure, theft or destruction or unauthorized access to, or alteration of any web site or entries; and (iii) any problems or technical malfunctions of any telephone network or lines, computer on-line-systems, servers or providers, computer equipment, software, programming or failure of e-mail on account of technical problems or traffic congestion on the Internet or at any web site or any combination thereof, or for injury or damage to entrant’s or to any other person’s computer or mobile device (or any information/materials stored therein) related to or resulting from downloading materials from any web site or participating in the Contest. Sponsor and Administrator assume no responsibility for late, lost, illegible/garbled, incomplete, damaged, inaccessible, corrupted or jumbled e-mail transmissions/entries regardless of cause; and, all of the foregoing are void.
(c) Sponsor/Administrator reserve the right, at their sole discretion, to disqualify any individual they find, in their sole discretion, to be tampering (or attempting to tamper) with the entry process or the operation of the Contest; acting in violation of the Official Rules or to be acting in a disruptive manner, or with intent to annoy, abuse, threaten or harass any other person. Tampering expressly includes manipulation of the Contest in any respect or misuse of the Contest (or any data/information related thereto) for purposes of gambling, sports betting or any other illegal activity. The preceding in no way precludes Sponsor and/or Administrator from taking other actions against such individuals so as to protect their respective legal rights.
8. Force Majeure. If, for any reason, the Contest (or any part thereof) is not capable of running as planned due to any cause beyond the control of Sponsor/Administrator which, in their sole opinion, corrupt or affect the administration, security, fairness, integrity or proper conduct of the Contest (or any part thereof), Sponsor reserves the right at its sole discretion to cancel, terminate, modify or suspend the Contest and select the prize winner in a manner which is fair, equitable and in accordance with these Official Rules, as determined by Sponsor in its sole discretion. By way of example only, such causes beyond the control of Sponsor/Administrator may include tampering, unauthorized intervention, fraud, technical failures, fire, flood, storm or other natural cataclysm, riot, strike, civil commotion interfering with, interrupting or otherwise affecting the conduct of the Contest. Notice of such action will be posted on the Website.
9. Releases.   By accepting the prize, except where prohibited by law, prize winner agrees to the use of his/her name, address (city, state), likeness, photograph, other indicia of persona and/or statements made by the prize winner regarding the prize, the Contest or the Sponsor for advertising/publicity/trade purposes by Sponsor and its designees without further compensation or notice; and, prize winner further agrees to confirm such grant of rights in writing upon Sponsor's request and without additional compensation. The foregoing uses expressly include but are not limited to posting of prize winner’s likeness, photograph or information on the Sponsor's social media pages and/or on other websites.  By participating, entrant indemnifies, releases and agrees to hold harmless The Penn Mutual Life Insurance Company, its parent company, affiliates, divisions, subsidiaries, promotion/marketing/advertising agencies (including National Sweepstakes Company, LLC), the directors, officers, agents, representatives, shareholders, employees, successors and assigns from any and all liability arising from participating in the Contest, any Contest-related activity and/or the acceptance, receipt, possession or use/misuse of the prize.
10. Dispute Resolution/Governing Law.  To the fullest extent permitted by law, you agree that:
(a) any and all disputes regarding the Contest or these Official Rules shall be governed by the internal, substantive law of the Commonwealth of Pennsylvania(that is, without regard to choice of law/conflict of law rules of Pennsylvania or of any other jurisdiction);
(b) you are subject to the personal and exclusive jurisdiction of the courts of the Commonwealth of Pennsylvania;
(c) any action will be brought by you individually (NOT as part of a class action);
(d) your recovery in any such action is limited to actual costs involved in participating in the Contest (if any), with all rights to attorneys’ fees and any and all damages (including special, compensatory, punitive, consequential damages) or other forms of relief being expressly waived.
11. Winner's List. For the name of the winner (first name, last initial; city/state), send a self-addressed stamped envelope to “Penn Mutual Rugby Caption Contest” PO Box 10505, Rochester, NY  14610, to be received by December 22, 2017.  Winner's list will be available after November 24, 2017.