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Clarity Sweepstakes Terms & Conditions

Abbreviated Rules, which must be included in any advertising of the sweepstakes:

Short version: NO PURCHASE OR OBLIGATION NECESSARY TO ENTER OR WIN. A PURCHASE DOES NOT IMPROVE YOUR CHANCES OF WINNING. Odds of winning will depend on the total number of entries received. Void where prohibited by law. See Official Rules for details.

NO PURCHASE OR OBLIGATION NECESSARY TO ENTER OR WIN. A PURCHASE DOES NOT IMPROVE YOUR CHANCES OF WINNING. No entrant has yet won. Sweepstakes is only open to legal residents of AR or TX, 18 years or older (or the age of majority in their state of residence at the time of entry, whichever is greater).  Ends 6/2/14. To enter and for Official Rules, including odds, and prize descriptions visit https://www.myfbtbank.com/online-disclosures.htm. Void where prohibited. –



1. DESCRIPTION OF SWEEPSTAKES. Farmers Bank and Trust (the “Sponsor”) is offering THE REAL WIN Sweepstakes (the “Sweepstakes”) and will award prizes via a random selection from eligible entrants. By participating in the Sweepstakes, each entrant unconditionally accepts and agrees to comply with and abide by these Official Rules and the decisions of the Sponsor, which shall be final and binding in all respects.

2. ELIGIBILITY:  THE SWEEPSTAKES IS ONLY OPEN TO LEGAL RESIDENTS OF AR or TX, 18 YEARS OR OLDER (OR THE AGE OF MAJORITY IN THEIR STATE OF RESIDENCE AT THE TIME OF ENTRY, WHICHEVER IS GREATER).  VOID WHERE PROHIBITED BY LAW, RULE OR REGULATION. ALL FEDERAL, STATE AND LOCAL LAWS AND REGULATIONS APPLY. Employees of Sponsor, MoneyDesktop, Inc. (“Administrator”), and it and their respective successors, participating client financial institutions, prize suppliers and advertising and promotion agencies (if any), and each of it and their respective subsidiaries, affiliates, agents, representatives, officers, directors, shareholders and employees (collectively, the “Released Parties”) and each of it and their immediate family members (parent, child, sibling and spouse) and persons living in the same households of each such employee (whether related or not) are not eligible to enter or win.

3. SWEEPSTAKES TIMING/DESCRIPTION: The Sweepstakes begins at 12:00:00 AM Eastern Time (ET) on 4/2/14, and ends 11:59:59 PM ET on 6/2/14 (the "Promotion Period"). Administrator’s computer is the official time keeping device for the Sweepstakes. One (1) Grand Prize will be awarded in a random drawing (“Grand Prize Random Drawing”) from among all eligible entries received during the Promotion Period. 18 prizes will be awarded throughout the Promotion Period in random drawings (“Bi-Weekly Drawings”) from among all eligible entries received for each week during the first six (6) weeks of the Promotion Period. All prizes will be awarded during the Promotion Period; for more detail see Prize Schedule below.

4. HOW TO ENTER: There are three (3) ways to generate entries in the Sweepstakes:

Automatic Entry Methods: (I) Login - An eligible participant will automatically receive one (1) entry in the form of a Chance Card (See Chance Card below for more information) with a maximum of 5 available per day, for every eligible login into Clarity via online banking, mobile banking (where available) or the Clarity mobile Android and IOS applications during the Promotion Period. (II) Linking Accounts - An eligible participant will automatically receive one (1) entry in the form of a Chance Card, but no more than 10 available per day, for every eligible Linked Account to the participants Clarity account. A Linked Account means the account successfully connects for the first time, and/or refreshes if already connected to the eligible participants Clarity by 11:59:59 pm each day). For each method of entry, one ticket per available prize will be generated. Certain restrictions may apply. Automatic Entries must be received by Sponsor no later than 11:59:59 pm each day. All entries become the property of Sponsor and will not be returned or acknowledged.

III) FREE Entry by Mail: – Hand print your first and last name, e-mail address, phone number, address and the words “To the attention of THE REAL WIN Alternative Entry Method Management Team: reference CLT-43e1096d-001b-6902-a2cc-e8675a450d44 and Farmers Bank & Trust Clarity Sweepstakes 04/02/14 on a 3” x 5” card and mail in a hand addressed stamped envelope to: 251 West River Park Drive, Suite 200, Provo UT, 84604. Mailed Entries must be postmarked no later than and received no later than 5/23/14. Each mail-in entry will count as five (5) tickets into eligible drawings. A maximum of 15 entries may be made each day through any of the three methods. Each mail-in entry must be mailed in a separate postmarked and stamped outer envelope.  Entries that are mechanically reproduced, copied, illegible, incomplete, postage-due, late or inaccurate are void. Entries become the property of the Sponsor and will not be acknowledged or returned.  Incomplete entries or entries not complying with these Official Rules are subject to disqualification, at the Sponsor’s sole discretion.  Proof of mailing does not constitute proof of delivery. Potential winners may be required to show proof of being an authorized account holder of Farmers Bank and Trust.

CHANCE CARDS: All Chance Cards have an earned base value of one (1) entry, but eligible participants may choose to take one (1) of three (3) actions with each chance card.  (I) Eligible participants may choose to take no action on a Chance Card that has been earned.  In this event, any Chance Cards that have been earned will be entered into all available prizes at one entry per card at the end of the Promotion Period. (II) Eligible participants may proactively choose to keep an earned Chance Card as one entry Card for specific available prizes, by selecting “Keep 1 Ticket” on each Chance. (III) Eligible participants may choose to actively risk an earned Chance Card and possibly earn zero (0), one (1), two (2), three (3), four (4) of five (5) entries into a specific available prize, by choosing from one (1) of the three (3) colored circles on a Chance Card.  The odds of each potential outcome for each Chance Card are the following: (I) Zero (0) Tickets – 0.153846154 (I) One (1) Ticket – 0.384615385, (II) Two (2) Tickets – 0.153846154, (III) Three (3) Tickets – 0.153846154, (VI) Four (4) Tickets – 0.076923077, (V) Five (5) Tickets – 0.076923077.

Any attempt by any entrant to obtain entries by using multiple/different Clarity accounts, identities, registrations and logins, or any like other methods will void that entrant's entries and that entrant may be disqualified. Use of any automated system to participate is prohibited and will result in disqualification. Sponsor is not responsible for lost, late, incomplete, invalid, unintelligible or misdirected entries, which will be disqualified. In the event of a dispute as to any entry, the authorized account holder of the Farmers Bank and Trust account used to enroll will be deemed to be the participant.

5. ODDS: Actual odds of winning depend on the number of eligible entries received during the Promotion Period.


One (1) grand prize winner will be selected in a random drawing on or about 6/14/14, from among all eligible entries received during the Promotion Period by Sponsor or a representative selected by Sponsor, whose decisions are final in all matters relating to the Sweepstakes. Potential winners will be selected for each Bi-Weekly Drawing on or about the dates stated in the Promotion Entry and Prize Selection Schedule (the “Entry and Prize Schedule”) below from among all eligible automatic, and mail-in entries received by dates/times stated in the Entry and Prize Schedule below. Entries received   for one Bi-Weekly Drawing are not eligible for subsequent Bi-Weekly Drawings. Participants are eligible to win only one (1) Bi-Weekly Drawing, however, a winner of a Bi-Weekly Drawing will remain eligible to win the Grand Prize. Eligible entries are those in which all requirements have been met and otherwise comply with these Official Rules. Sponsor reserves the right to disqualify any participant or potential winner and may refuse to award any prize to a person who is ineligible or has violated any rule, gained unfair advantage in participating in the Sweepstakes, or obtained winner status using fraudulent means.

Promotion Entry and Prize Selection Schedule

Prize Selection Name

Entries received from 12:00:00 AM ET – 11:59:59 PM ET from:

Mail–in Entries Postmarked from:

Mail-in Entries received by:

Drawing Date/Winner notification (on or about):

Prize Award Date (on or about)

Prize 1

4/2/14 – 4/9/14

4/2/14 –  4/10/14




Prize 2

4/2/14 – 4/23/14

4/2/14 –  4/24/14




Prize 3

4/2/14 – 5/7/14

4/2/14 –  5/8/14




Prize 4

4/2/14 – 5/21/14

4/2/14 –  5/22/14





7. PRIZES: One (1) Grand Prize: iPad Mini will be awarded.  Approximate Retail Value (ARV) of the Grand Prize is $399.00 .  Seventeen (17) Bi-Weekly Prizes will be awarded on designated weeks throughout the promotional period according to the Entry and Prize Schedule above. Ten (10) of Prize 1 will be awarded: $10 Dollar iTunes Gift Cards. ARV $10.00.  Four (4) of Prize 2 will be awarded: $25 Dollar iTunes Gift Cards. ARV $25.00.  Two (2) of Prize 3 will be awarded: $50 Dollar iTunes Gift Cards. ARV $50.00.  One (1) of Prize 4 will be awarded: $75 Dollar iTunes Gift Cards. ARV $75.00. Total ARV of all Prizes:  $774.00.

Prizes are not transferable, substitutable, or exchangeable for cash except that Sponsor in its sole discretion may substitute a prize, or portion thereof, with a prize or portion of equal or greater value if it deems necessary.  If any of the winners fail to meet any eligibility requirement herein, alternate winners may be chosen by random drawing to be held within a reasonable time after initial winners are determined to be ineligible.  Alternate winners are subject to all eligibility requirements and restrictions of these Official Rules.

Any portion of any prize not used by any winner is forfeited and no cash substitute will be offered or permitted.  All prizes being offered are provided “as is” with no warranty or guarantee either express or implied by Sponsor.  Merchandise prizes carry no warranty other than that offered by manufacturers, if any. Prizes do not include incidental costs and winner assumes sole responsibility for all costs associated with the prizes (other than explicitly provided for herein), including but not limited to any and all federal, state and local taxes (if any). Other restrictions may apply.

8. VERIFICATION OF POTENTIAL WINNERS: All randomly-selected potential prize winners will receive a prize notification by email or telephone to the address and/or number indicated on his or her entry form or address and/or number of record with Sponsor. Notification is deemed to have occurred immediately upon sending of an e-mail or placing of the telephone call (“Notification”). In the event that Sponsor is unable to reach the potential winner or he/she does not respond within twenty-four (24) hours from Notification, he/she will be disqualified and Sponsor will select a new winner according to these Official Rules, time permitting. Additionally, if the winner is ineligible, it will be deemed as if the winner has rejected the prize. Each potential prize winner will be required to sign and return an Affidavit of Eligibility, Liability and Publicity Release ( the “Affidavit”) (except where prohibited), which must be received by Administrator within ten (10) days of the date of Notification (or date attempted notice is sent), in order to claim his/her prize (if applicable). If a potential winner of any prize cannot be contacted, fails to sign and/or return the Affidavit within the required time period (if applicable), or prize is returned as undeliverable, such potential winner forfeits the prize. In the event that a potential winner is disqualified for any reason Sponsor will award the prize to an alternate winner by random drawing from among all remaining eligible entries. All alternate potential winners are subject to all requirements set forth in these official rules. Only three (3) alternate winners will be selected after which the prize will remain un-awarded.


9 RELEASE: By receipt of any prize, winner agrees to release and hold harmless the Released Parties from and against any claim or cause of action, including, but not limited to, personal injury, death, or damage to or loss of property, arising out of participation in the Sweepstakes or receipt, use, or misuse of any prize.

10. PUBLICITY: Except where prohibited, participation in the Sweepstakes constitutes winner’s consent to Sponsor’s and Administrators and their agents’ use of winner’s name, likeness, photograph, voice, opinions and/or hometown and state for promotional purposes in any media, worldwide, without further payment or consideration.

11. GENERAL: By entering, entrants agree to be bound by these Official Rules including all eligibility requirements and the decisions of the Sponsor, which are final and binding. All federal, state and local laws apply.  Sponsor shall be entitled to interpret these rules as needed — including but not limited to rules regarding entries, selection of winners, deadlines, restrictions on prizes, and eligibility —all decisions are final.  Sponsor reserves the right to cancel, terminate or suspend the Sweepstakes or any part of the Sweepstakes should any non-authorized intervention, network failure, information storage failure, telecommunications failure, malfunction, or other causes beyond its control, corrupt or impair the security, administration, fairness and/or operation of the Sweepstakes as determined by Sponsor in its sole discretion, at which time Sponsor will conduct a random drawing from among all non-suspect eligible entries received within the Promotion Period. Sponsor is not responsible for lost, interrupted, or unavailable network, server, or other connections, or for any failed telephone or computer hardware or software, or for any failed, delayed, misdirected, corrupted, or garbled transmissions or errors of any kind, whether human, mechanical, or electronic, or for entries that for any reason are not received by Sponsor during the Promotion Period by the deadlines stated above in the Entry and Prize Schedule.  Sponsor is not responsible for any injury or damage to any computer, modem or other electrical device as a result of participation in the Sweepstakes or downloading of any software or materials. Sponsor reserves the right to correct typographical or clerical errors in any Sweepstakes-related materials.  No more than the stated number of prizes will be awarded.  In the event that production, technical, seeding, programming or any other reasons cause more than the stated number of prizes as set forth in these Official Rules to be available and/or claimed, Sponsor reserves the right to award only the stated number of prizes by a random drawing among all legitimate, un-awarded, eligible prize claims.

Sponsor reserves the right to prohibit any entrant from participating in the Sweepstakes if, in its sole discretion, Sponsor finds such entrant to be tampering with the entry process or the operation of the Sweepstakes, or if such entrant repeatedly shows a disregard for, or attempts to circumvent, these Official Rules, or acts: (I) in a manner Sponsor determines to be not fair or equitable; (II) with an intent to annoy, threaten or harass any other entrant or Sponsor; or (III) in any other disruptive manner.  Any person attempting to defraud or tamper with the Sweepstakes in any way will be ineligible for prizes and may be prosecuted to the full extent of the law.  Any failure by Sponsor to enforce any of these Official Rules shall not constitute a waiver of such Official Rules. Sponsor has neither made nor is responsible or liable for any warranty, representation, or guarantee, express or implied, in fact, equity or law, relative to any prize, including but not limited to its quality, mechanical condition or fitness for a particular purpose.

12. LIMITATIONS OF LIABILITY. The Released Parties are not responsible for including but not limited to: (I) any incorrect or inaccurate information, whether caused by entrants, printing errors or by any of the equipment or programming associated with or utilized in the Sweepstakes; (II) technical failures of any kind, including, but not limited to malfunctions, interruptions, or disconnections in phone lines or network hardware or software; (III) unauthorized human intervention in any part of the entry process or the Sweepstakes; (IV) technical or human error which may occur in the administration of the Sweepstakes or the processing of entries; or (V) any injury or damage to persons or property which may be caused, directly or indirectly, in whole or in part, from entrant’s participation in the Sweepstakes or receipt or use or misuse of any prize. If for any reason an entrant's entry is confirmed to have been erroneously deleted, lost, or otherwise destroyed or corrupted, entrant’s sole remedy is another entry in the Sweepstakes, provided that if it is not possible to award another entry due to discontinuance of the Sweepstakes, or any part of it, for any reason, Sponsor, at its discretion, may elect to hold a random drawing from among all eligible entries received up to the date of discontinuance for any or all of the prizes offered herein.

13. DISPUTES. By entering the Sweepstakes, except where prohibited, entrants agree that (I) any and all disputes, claims, and causes of action arising out of or connected with the Sweepstakes, or any prizes awarded, shall be resolved individually, without resort to any form of class action; (II) any and all claims, judgments and awards shall be limited to actual out-of-pocket costs incurred, including costs associated with entering the Sweepstakes, if any, but in no event attorneys' fees; and (III) under no circumstances will any entrant be permitted to obtain any award for, and entrant hereby waives all rights to claim punitive, incidental or consequential damages and further waives any and all rights to have damages multiplied or otherwise increased and any other damages, other than for actual out-of-pocket expenses.  All issues and questions concerning the construction, validity, interpretation and enforceability of these Official Rules, or the rights and obligations of the entrants, Sponsor and Administrator in connection with the Sweepstakes, shall be governed by, and construed in accordance with the laws of the State of Utah, without giving effect to any choice of law or conflict of law rules or provisions that would cause the application of the laws of any jurisdiction other than the State of Utah. Any legal proceedings arising out of the Sweepstakes or relating to these Official Rules shall be instituted only in the federal or state courts located in the State of Utah, County of Utah and the parties consent to jurisdiction therein with respect to any legal proceedings or disputes of whatever nature arising under or relating to these rules. Participants irrevocably waive any objection to such venue. The invalidity or unenforceability of any provision of these rules shall not affect the validity or enforceability of any other provision. In the event that any provision is determined to be invalid or otherwise unenforceable or illegal, these rules shall otherwise remain in effect and be construed in accordance with their terms as if the invalid or illegal provision were not contained herein.

14. WINNER’S LIST. To receive a list of winners, send a stamped self-addressed envelope to: Farmers Bank & Trust Clarity Sweepstakes 04/02/14 Official Rules c/o MDCS, 251 West River Park Drive, Suite 200, Provo UT, 84604. Winner list within Thirty (30) days of expiration of the Promotion Period.

15. OFFICIAL RULES REQUEST. For a copy of these official rules, stop by Farmers Bank and Trust during normal business hours, visit [https://www.myfbtbank.com/online-disclosures.htm] or send a legal-size, self-addressed, stamped envelope to Farmers Bank and Trust Farmers Bank & Trust Clarity Sweepstakes 04/02/14 Official Rules c/o MDCS, 251 West River Park Drive, Suite 200, Provo UT, 84604 prior to the end of the Promotion Period.

16. SWEEPSTAKES PRIVACY. Your participation in the Sweepstakes constitutes your consent for Sponsor and Administrator to use the personal information you provide for the purpose of administering the Sweepstakes and awarding the prizes. The information that you provide in connection with the Sweepstakes may be used by Administrator in accordance with its Privacy Policy, which is found at [https://www.myfbtbank.com/online-disclosures.htm], which may be updated from time to time.

17. SPONSOR. Farmers Bank and Trust 200 East Main Magnolia, AR 71753

18. ADMINISTRATOR: 251 West River Park Drive Provo, Suite 200, Provo, UT 84604