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1. SWEEPSTAKES PERIODS: The Citizens Bank “Are You Ready for College?” Sweepstakes (“Sweepstakes”) begins at 12:00:01 PM Eastern Time (“ET”) on June 19, 2019 and ends at 11:59:59 PM ET on July 30, 2019 (the “Sweepstakes Period”) with six (6) separate weekly entry periods (each, a “Weekly Entry Period”) as defined below in section 3 of these Official Rules.

2. ELIGIBILITY: Open to legal residents of the 50 United States and D.C., who are 17 and older; minors who have not yet reached the age of majority in their state/territory of residence as of date of Entry (defined below) must have permission from their parent/guardian to enter. Employees of Citizens Bank, N.A. (and their immediate family members and/or those living in the same household) (the “Sponsor”), Don Jagoda Associates Inc. (“Administrator”), Sponsor’s affiliate companies, and their advertising and promotion agencies involved with this Sweepstakes, parent companies, subsidiaries, divisions, affiliates and related companies are not eligible to participate or win.  All federal, state and local laws and regulations apply.

3. HOW TO ENTER: During a Weekly Entry Period, as defined in the chart below, consumers (“Entrants”) may participate in the Sweepstakes by visiting https://www.citizensbank.com/learning/ready-for-college.aspx following the on-screen instructions and taking the brief online quiz to assess how ready they are to attend college. Once the quiz is completed, Entrants must submit the online registration form in order to earn one (1) entry (“Entry”) into the Sweepstakes.

Weekly Entry Period

Weekly Entry Period Dates/Times

Random Drawing conducted on or about


12:00 am ET on 6/19/19 through 11:59 pm ET on 6/25/19



12:00 am ET on 6/26/19 through 11:59 pm ET on 7/2/19



12:00 am ET on 7/3/19 through 11:59 pm ET on 7/9/19



12:00 am ET on 7/10/19 through 11:59 pm ET on 7/16/19



12:00 am ET on 7/17/19 through 11:59 pm ET on 7/23/19



12:00 am ET on 7/24/19 through 11:59 pm ET on 7/30/19


Limit one (1) Entry per person/email address throughout the Sweepstakes Period. All Entries must be submitted by 11:59:59 PM ET on July 30, 2019 to be eligible for the final random drawing. Non-winning entries will NOT be entered into any subsequent Weekly Entry Period(s).

Entries will not be judged. All Entry title/caption/text, if included with an Entry, must be in English. All Entries must comply with these Official Rules to be eligible. Entries must be in keeping with Sponsor's image and may not be offensive, as determined by Sponsor, in its sole discretion. Sponsor has the sole discretion to determine whether an Entry is eligible. Any Entry that violates this section or is otherwise objectionable (as determined solely by Sponsor), will not be considered and will be disqualified. Automated, script, macro or robotic Entries will be disqualified.

4. TRANSFER OF RIGHTS: By submitting an Entry, Entrants and winners acknowledge and agree that their Entries (including all information submitted as part of the Entry) become the property of the Sponsor, which thereby has the right to edit, adapt, modify, reproduce, promote and otherwise use Entries in any way it sees fit.

5. RANDOM DRAWINGS: 10 winners per Weekly Entry Period will be selected in separate random drawings on or about the dates listed in the chart above from among all eligible Entries received for each applicable Weekly Entry Period. The random drawings will be conducted by the Administrator, an independent judging organization whose decisions are final on all matters relating to the Sweepstakes. Odds of winning a prize in a Weekly Entry Period depend upon the total number of eligible Entries received for that Weekly Entry Period.

6. PRIZES AND ACTUAL RETAIL VALUE (“ARV”): Prizes (60 – 10 per Weekly Entry Period) - A $100 Lyft Gift Card. The total ARV of all prizes is $6,000.

To utilize the Lyft Gift Card, you must have a free Lyft account and redeem as indicated on Lyft.com or through the free Lyft mobile application. Lyft Gift Cards do not expire; visit https://help.lyft.com/hc/en-us/articles/115012923787 for details. Prizes are not transferable; no substitutions or cash equivalents are allowed except by the Sponsor who reserves the right to award a prize of equal or greater value if advertised prize is unavailable. Prizes are not redeemable for cash. Taxes related to the prizes are the responsibility of the winners, if applicable. No responsibility or liability is assumed for damages, losses or injury resulting from acceptance or use of any prize. Gift Cards may be subject to additional restrictions. Prize winners will be notified by email, and may be required to confirm additional information/eligibility prior to prize award. Return of any prize or prize notification as undeliverable will result in disqualification and alternate selection. Limit one (1) prize per person/household throughout Sweepstakes Period.

7. GENERAL RULES: Normal Internet/phone access and data/usage charges imposed by Entrants’ online/phone service will apply and are Entrants’ sole responsibility. Sponsor is not responsible for any compatibility issues with Entrant's device/browser used for Entry. Entries become the property of Sponsor upon receipt and will not be acknowledged or returned. Sponsor is not responsible for lost, interrupted or unavailable network server or other connection; miscommunications; failed phone or computer or telephone transmissions; technical failure; jumbled, scrambled or misdirected transmissions; late, lost, incomplete, delayed, or misdirected Entries; or other error of any kind whether human, mechanical, or electronic. CAUTION: Any attempt to deliberately damage any web site/device, or undermine the legitimate operations of the Sweepstakes, is a violation of the criminal and civil laws. Should such an attempt be made, the Sponsor reserves the right to seek damages from any such participant to the fullest extent permitted by law and to disqualify such participant from the Sweepstakes. In the event the Sweepstakes is compromised by virus, bug, unauthorized human intervention, or other causes beyond the control of Sponsor that corrupts or impairs the administration, security, fairness, or proper play of the Sweepstakes, Sponsor reserves the right in its sole discretion to suspend or terminate the Sweepstakes and award prizes from among all eligible Entries received for each Weekly Entry Period prior to cancellation. Any user who, in Sponsor’s sole discretion, posts profanity, pornography or other objectionable content may be removed by Sponsor and from participating in the Sweepstakes. Sponsor is not responsible for lost, late, misdirected, corrupted, or incomplete Entries. Proof of submission is not proof of receipt by Sponsor. In the event of a dispute regarding any Entry, that Entry will be deemed made by the authorized account holder of the email address submitted at the time of the submission. Potential winners may be required to show proof of being the authorized account holder of the email address account associated with the Entry. By participating in this Sweepstakes, Entrants agree to be bound by these Official Rules and the decisions of the Sponsor/Administrator. The Sponsor and its agencies are not responsible for technical, hardware, software or telephone malfunctions of any kind, lost or unavailable network connections, or failed, incorrect, incomplete, inaccurate, garbled or delayed electronic communications caused by the user or by any of the equipment or programming associated with or utilized in this Sweepstakes or by any human error which may occur in the processing of the Entries in this Sweepstakes. The Sponsor reserves the right at its sole discretion to disqualify any individual that tampers or attempts to tamper with the Entry process or the operation of the Sweepstakes or web site; violates the Official Rules; or acts in an unsportsmanlike or disruptive manner, or with intent to annoy, abuse, threaten or harass any other person. Any attempt by any person to deliberately undermine the legitimate operation of the Sweepstakes may be a violation of criminal and civil law, and, should such an attempt be made, Sponsor reserves the right to seek damages from any such person to the fullest extent permitted by law. Sponsor's failure to enforce any term of these Official Rules shall not constitute a waiver of that provision. The Sponsor and each of its respective affiliates, officers, directors, agents, employees, will have no liability or responsibility for any claim arising in connection with participation in this Sweepstakes or the prizes awarded. Winners assume all liability for any injury or damage caused, or claimed to be caused, by participation in this Sweepstakes or use or redemption of a prize.

8. DISPUTES: Entrants agree that: (a) any and all disputes, claims, and causes of action arising out of or connected with this Sweepstakes, or any prize awarded to the Business shall be resolved individually, without resort to any form of class action, and solely and exclusively in a federal or state court located in the State of Rhode Island; Entrants submit to sole and exclusive personal jurisdiction to said courts in the State of Rhode Island for any such dispute and irrevocably waives any and all rights to object to such jurisdiction; (b) any and all claims, judgments, and awards shall be limited to actual out of pocket costs incurred, including costs associated with entering this Sweepstakes but in no event attorneys' fees; and (c) under no circumstances will Entrants be permitted to obtain awards for and Entrants hereby waive all rights to claim punitive, incidental and consequential damages and any other damages, other than for actual out-of-pocket expenses, and any and all rights to have damages multiplied or otherwise increased. ENTRANT HEREBY AGREES THAT ENTRANT WILL NOT BRING A CLASS ACTION OR PARTICIPATE IN A CLASS ACTION AGAINST SPONSOR WITH RESPECT TO A SWEEPSTAKES. SOME JURISDICTIONS DO NOT ALLOW THE LIMITATION OR EXCLUSION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES, SO THE ABOVE MAY NOT APPLY TO YOU. All issues and questions concerning the construction, validity, interpretation and enforceability of these Official Rules, or the rights and obligations of Entrants in connection with this Sweepstakes shall be governed by, and construed in accordance with, the laws of the State of Rhode Island, without giving effect to any choice of law or conflict of law rules of provisions (whether of the State of Rhode Island, the United States, or any other jurisdiction), which would cause the application of the laws of any jurisdiction other than the State of Rhode Island.

9. DATA COLLECTION: Sponsor collects personal information from Entrants when they submit an Entry for the Sweepstakes for use in administration of the Sweepstakes. The information collected is subject to Citizens Bank N.A.’s Privacy Policy located at https://www.citizensbank.com/account-safeguards/privacy.aspx.

10. WINNERS LIST: To receive a Winners List by email, send an email to: Winners@dja.com with WINNERS 01-1519-87 as the subject line. Requests must be received by August 30, 2019. Winners List will be sent after all prizes have been awarded.

11. SPONSOR/ADMINISTRATOR: The Sponsor of the Sweepstakes is Citizens Financial Group, Inc. All rights reserved. Citizens Bank is a brand name of Citizens Bank, N.A. Member FDIC. The Administrator of the Sweepstakes is Don Jagoda Associates, Inc., 100 Marcus Drive, Melville, NY 11747.

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