Credit One Bank – Daytona 500 – Win to the Daytona 500 race for 25 consecutive years beginning in 2023.

Credit One Bank Daytona 500 Sweepstakes (“Sweepstakes”)
2022 OFFICIAL RULES

NO PURCHASE OR PAYMENT OF ANY KIND NECESSARY TO ENTER OR WIN THIS
SWEEPSTAKES. PURCHASE DOES NOT INCREASE YOUR CHANCES OF WINNING.

THIS SWEEPSTAKES IS INTENDED FOR THE UNITED STATES. DO NOT ENTER IF YOU ARE
NOT ELIGIBLE AND LOCATED IN THE UNITED STATES AT THE TIME OF ENTRY. VOID WHERE
PROHIBITED. SUBJECT TO ALL APPLICABLE FEDERAL, STATE, AND LOCAL LAWS AND REGULATIONS.

ELIGIBILITY: Open only to legal residents of the 50 United States
and the District of Columbia who are 18 years of age or older (19 in AL and NE,
and 21 in MS). The following individuals are not eligible to enter or win a prize:
employees, contractors, directors, and officers of Credit One Bank, N.A. (“Sponsor”),
“), American Express Travel Related Services Company, Inc. National Association for
Stock Car Auto Racing, LLC, and Daytona International Speedway, and their respective
parent, subsidiary and affiliated companies, and the web design, advertising,
fulfillment, legal, administrative, and promotions agencies involved in the
administration, development, fulfillment, and execution of this Sweepstakes.
including Marketing Resources, Inc. (collectively, “Sweepstakes Parties”), and
the immediate family members (spouse, parent, child, sibling, grandparent, and
spouse or “step” of each) and those living in the same household of each such person
(those persons whether related or not who live in the same residence for at least
three months during the twelve-month period preceding the start date of the Sweepstakes).

SWEEPSTAKES PERIOD: Sweepstakes begins on August 18, 2022 at
12:00:01 a.m. Pacific Time (“PT”) and ends on November 11, 2022 at 11:59:59 p.m.
PT (the “Sweepstakes Period”).

TO ENTER: There are two (2) methods of entry for this Sweepstakes:

In-App Registration: Must have Credit One Mobile App to participate. Existing Credit One Bank
AMEX NASCAR cardholders and VISA NASCAR cardholders that have an account in good standing and not
in default as of November 11, 2022 (i.e., prior to the end of the Sweepstakes Period) (each a
“Cardholder”), and meet the above eligibility requirements will need to go to their Credit One
Bank mobile app, click on the In-app message, and visit the promotional site at CreditoneD500sweeps.com

where they will provide their name, email address, date of birth and phone number associated
with their Credit One Bank account to receive one (1) entry into the Sweepstakes (“In-App Registration”).
You must be approved and have an active card in your possession by 5:00pm on October 1, 2022
to participate via the In-App Registration method.

Via Mail: To receive one (1) entry without having or signing up for a Credit One Bank AMEX
NASCAR or VISA NASCAR credit card, hand-print the following information legibly on a postcard:
Credit One Bank Daytona 500 Sweepstakes full name, billing address, daytime and evening phone
number, and date of birth. Mail your entry in an envelope with proper postage to: Credit One
Bank Daytona 500 Sweepstakes, C/O MRi P.O. Box 2117 Oak Park, IL 60303-2117. Limit one (1) entry
per postage-stamped postcard. There is no limit to the number of entries received via this method,
however each entry request must be mailed separately. Entries must be postmarked by November 11,
2022 and received by November 18, 2022.

Bonus Entries

After completing an In-App Registration, Cardholders will also have the opportunity to receive
additional entries during the qualifying period of September 1 – October 31, 2022 with the following:

Any purchase greater than 1 cent made with their AMEX NASCAR card during the time frame above will
provide an eligible entrant with one (1) additional entry throughout the qualifying period)

The following transactions are excluded: account adjustments, returns, late payment fees,
cash advances, annual fees, transaction fees, and other account-base assessed fees
Excludes fraudulent or disputed charges

Limit: One (1) entry per transaction.
To qualify for an additional entry, the transaction must clear/post by October 31, 2022.

Automated means of entry are prohibited and any use of automated devices to enter or subvert the entry
process will result in disqualification and all associated entries will be void. All entrants who
enter via on-line registration must be the primary cardholder of the Account associated with the entry.
Use of email addresses from disposable or temporary email address services, or email forwarding services,
is prohibited and any attempt to enter using such an email address will be blocked. Only fully completed
entries are eligible. Entrants may not enter with multiple email addresses or phone numbers, nor may
entrants use any other device or artifice to enter multiple times above the stated limit or as multiple
entrants. Any entrant who attempts to enter with multiple email addresses, phone numbers, or accounts
or uses any device or artifice to enter multiple times will be disqualified and forfeits any and all
prizes won, in Sponsor’s sole discretion. By participating, entrants agree to abide by and be bound
by these Official Rules and the Sponsor’s decisions.

Privacy Policy: Information submitted in connection with this Sweepstakes is governed by Sponsor’s
Privacy Policy (available at https://www.creditonebank.com/privacy).

SWEEPSTAKES DRAWING AND ODDS OF WINNING: One (1) potential grand
prize winner and ten (10) potential first prize winners will be selected in a random
drawing from all eligible entries received on or about November 29, 2022, by a third-party
promotion administrator, whose decisions shall be final and binding on all matters
relating to the Sweepstakes. Odds of winning depend on the number of eligible entries
received.

PRIZES AND APPROXIMATE RETAIL VALUES (“ARVs”):

ONE (1) GRAND PRIZE: Two (2) tickets to the Daytona 500 race for 25 consecutive years, beginning
in 2023. Tickets will be distributed annually by NASCAR for 25 consecutive years. ARV of grand
prize package: $10,000.

TEN (10) FIRST PRIZE: Two (2) tickets to the Daytona 500 race currently scheduled to take place
on February 19, 2023. ARV of each first prize package: $400.

Total Retail Value of all Prizes: $14,000

PLEASE NOTE THAT TRAVEL AND ACCOMMODATIONS WILL NOT BE INCLUDED AS PART OF ANY OF THE PRIZES
IN THIS SWEEPSTAKES. WINNERS ARE RESPONSIBLE FOR PROVIDING THEIR OWN TRAVEL AND ACCOMMODATIONS
RELATING TO EACH EVENT.

All prize details not specified here, including seat location and ticket type/package, shall
all be determined by Sponsor in its sole discretion.

PRIZE RESTRICTIONS: Limit one (1) prize per person. Prizes are
non-transferable and prize substitution is not permitted, except at the sole discretion
of the Sponsor. Tickets are subject to certain terms and conditions as specified by
NASCAR. Exact seat locations to be determined by NASCAR, in their sole discretion.
Sponsor reserves the right in its sole discretion to substitute a prize in whole or
part with one of comparable or greater value. Prize winners will be solely responsible
for all federal, state and/or local taxes, and for any other fees or costs associated
with the prizes they receive, regardless of whether it, in whole or part, is used.
Winners may be issued an IRS Form 1099 reporting the value of a prize and must provide
Administrator with a valid social security number if requested for tax reporting purposes.
As part of this Sweepstakes, no refund or compensation will be made in the event of the
cancellation or delay of an event, except as otherwise generally provided by the venue
and/or event operator.

WINNER NOTIFICATION AND PRIZE CLAIM: The potential winners will be
contacted via email to let them know they have been chosen as a potential winner. Winners
will also be contacted via phone call from NASCAR to set them up in their system. Winners
will be subject to verification and will be required to fill out a liability/release form
before prize will be awarded. Once eligibility is confirmed, Winners will receive tickets
in the form of a physical ticket at entrance to race or will call day of event.
General Conditions/Restrictions: A prize will be forfeited and an alternate winner may be
contacted if: (1) a prize notification or prize is unclaimed or returned as undeliverable;
(2) if notification phone call is not received in a timely manner for any reason; (3) if any
prize correspondence is not returned within the required time period; or (4) if a potential
winner is found to be ineligible or not in compliance with these Official Rules. Releasees
are not responsible for any change of mailing address, email address, and/or telephone number
of entrants.

PUBLICITY: Except where prohibited by law, by accepting a prize, winners
grant permission for Sponsor and those acting under its authority to use their name, and address
(city and state), photograph, voice and/or likeness, for advertising and/or publicity purposes,
in any manner, in any and all media (including posting on Website) now known or hereinafter
invented without territorial or time limitations and without further notice to and without
additional permission or compensation. If you are selected as the winner, your information may
also be included in a publicly-available winner’s list.

GENERAL CONDITIONS: INTERNET CAUTION: ANY ATTEMPT BY AN INDIVIDUAL TO
DELIBERATELY DAMAGE ANY WEBSITE OR UNDERMINE THE LEGITIMATE OPERATION OF THIS SWEEPSTAKES IS
A VIOLATION OF CRIMINAL AND CIVIL LAWS, AND SHOULD SUCH AN ATTEMPT BE MADE, SPONSOR RESERVES
THE RIGHT TO SEEK DAMAGES (INCLUDING ATTORNEYS’ FEES) AND OTHER REMEDIES FROM ANY SUCH
INDIVIDUAL TO THE FULLEST EXTENT PERMITTED BY LAW INCLUDING CRIMINAL PROSECUTION. If the
Sweepstakes (or any portion thereof) is not capable of running as planned for any reason,
including without limitation, due to infection by computer virus, bugs, tampering, unauthorized
intervention, fraud, technical failures, or any other causes which corrupt or affect the
administration, security, fairness, integrity, or proper conduct of the Sweepstakes, Or any
event or cause beyond Sponsor’s control (e.g., events such as natural calamities, national
emergencies, wide spread illnesses, declarations of war, acts of God, acts of terrorism)
interferes with any aspect of the Sweepstakes, including but not limited to fulfillment of
the prize(s), as determined by Sponsor in its sole discretion (per AMEX)
Sponsor reserves the right, at its sole discretion, to disqualify any individual(s) responsible or who tamper with
the entry process (and void all associated entries), and to cancel, modify, or terminate the
Sweepstakes (or any portion thereof). In the event of cancellation, Sponsor will award the
prizes for the drawing(s) at issue in drawing(s) from among all eligible, non-suspect entries
received for such drawing(s) prior to cancellation or as otherwise deemed fair and appropriate
by Sponsor. In the event that an entry is confirmed to have been erroneously deleted, lost or
destroyed, entrant’s sole remedy shall be another entry into the Sweepstakes.

LIMITATIONS OF LIABILITY AND RELEASE: No liability or responsibility is
assumed by Sponsor or Sweepstakes Parties (collectively, “Releasees”) resulting from user’s
participation in, attempt to participate in, or download of any information in connection
with participating in the Sweepstakes. No responsibility or liability is assumed by Releasees
for technical problems or technical malfunction, including, without limitation, those arising
in connection with any of the following occurrences that may affect the operation of the
Sweepstakes: hardware or software errors; faulty computer, telephone, cable, satellite, network,
electronic, wireless, or Internet connectivity, or other online communication problems; errors
or limitations of any Internet service providers, servers, hosts, or providers; garbled, jumbled,
or faulty data transmissions; failure of any email transmissions to be sent to or received; lost,
late, delayed, or intercepted email transmissions; inaccessibility of the Website in whole or in
part for any reason; traffic congestion on the Internet or Website; unauthorized human or non-human
intervention in the operation of the Sweepstakes, including without limitation, unauthorized
tampering, hacking, theft, virus, bug, worm; or destruction of any aspect of the Sweepstakes.
Releasees are not responsible for other errors or difficulties of any kind, whether human, mechanical,
electronic, computer, network, typographical, printing or otherwise, relating to or in connection
with the Sweepstakes, including, without limitation, errors or difficulties which may occur in
connection with the administration of the Sweepstakes, the processing of entries, the announcement
of the prizes or in any Sweepstakes-related materials. Use of the Website is at user’s own risk.
Releasees are not responsible for any personal injury or property damage or any other losses of
any kind that may be sustained to user’s or any other person’s computer equipment/mobile phone
resulting from participation in the Sweepstakes, use of the Website or the download of any information
from the Website, or any other loss related to user’s participation in the Sweepstakes or receipt
of any prize. As a condition of entering, entrants agree to release Releasees from any and all
liability, loss, or damage incurred with respect to entrant’s participation in the Sweepstakes and
the awarding, receipt, possession, and/or use or misuse of any prize.

Prize fulfillment will be administered by NASCAR. As a condition of entering, entrants agree to
only look to and hold NASCAR responsible for any and all fulfillment issues and agree to release American
Express Company and Credit One Bank, N.A. and each of their respective employees, contractors, directors
and officers and their respective parent, subsidiary and affiliated companies, and the web design, advertising,
legal, administrative and promotions agencies involved in the administration, development and execution of
this Sweepstakes, including Marketing Resources, Inc., but excluding NASCAR, from any and all fulfillment
related claims and alleged claims.

GOVERNING LAW & JURISDICTION/ARBITRATION: ANY CONTROVERSY OR DISPUTE ARISING OR RESULTING,
IN WHOLE OR IN PART, FROM THIS SWEEPSTAKES SHALL BE RESOLVED BY BINDING ARBITRATION, AS SET FORTH IN YOUR
VISA® OR AMERICAN EXPRESS CARD AGREEMENT WHICH INCLUDES THE ARBITRATION AGREEMENT. All issues and questions
concerning the construction, validity, interpretation and enforceability of these Official Rules, your rights
and obligations, or the rights and obligations of the Sponsor in connection with the Sweepstakes, shall be
governed by, and construed in accordance with, the laws of the State of Nevada, without giving effect to any
choice of law or conflict of law rules thereof. By entering, you consent to the jurisdiction and venue of
the federal, state, and local courts located in Clark County, Nevada for the resolution of all disputes which
are not subject to arbitration as set forth in your Card Agreement which includes the Arbitration Agreement
and agree that any and all disputes shall be resolved exclusively in those courts. Sponsor’s failure to enforce
any term of these Official Rules shall not constitute a waiver of that or any other provision. If any provision
of these Official Rules is held to be invalid or unenforceable, such provision shall be struck, and the remaining
provisions shall be enforced.

WINNERS LIST: The names of the winners will be posted on CreditoneD500sweeps.com after
verification and will be available through January 10, 2023.

ADMINISTRATOR: Marketing Resources, Inc. Oak Park, IL.

FULFILLMENT: National Association for Stock Car Auto Racing, LLC. Daytona Beach, FL.

SPONSOR: Credit One Bank N.A., 6801 S. Cimarron Rd, Las Vegas, NV 89113. NASCAR and
Daytona International Speedway are not sponsors of this Sweepstakes. NASCAR® is a registered trademark
of the National Association for Stock Car Auto Racing, LLC.

SPONSOR OF THE PROMOTION: All rules, waivers and release forms, fine prints on
creative materials, etc., must clearly state that “NASCAR, LLC and Daytona International Speedway
are not sponsors of this promotion.” Promotion and any advertising thereof, must clearly communicate
the sponsor(s) of the promotion.

RELEASE/WAIVERS: NASCAR, LLC, Daytona International Speedway and their respective
parent(s), subsidiaries, affiliates, and each of their respective employees, shareholders, directors,
officers, members, successors, agents, and assigns must be added to any and all language as released
parties in the rules and in any release forms/waivers a winner, guest, and/or participant may sign.

INELIGIBILITY CLAUSE: NASCAR, LLC, Daytona International Speedway, and their
respective parent(s), subsidiaries, affiliates and each of their respective employees, shareholders,
directors, officers, members, successors, and agents as ineligible participants to ineligibility
verbiage.

HOLD HARMLESS CLAUSE: By accepting prize, winners agree to hold NASCAR, LLC,
Daytona International Speedway and their respective parent(s), subsidiaries, affiliates and
each of their respective shareholders, directors, officers, employees, members, agents, successors,
and assigns harmless against any and all claims and liability arising out of use of the prize
or any other participation in this sweepstakes. Winners assume all liability for any injury
or damage caused, or claimed to be caused by participation in this promotion or use or redemption
of any prize.

VIP PASSES/TICKETS: Subject to the standard terms and procedures of NASCAR
and subject to NASCAR’s sole discretion.

NASCAR LEGAL LINE: NASCAR® is a registered trademark of the National Association for
Stock Car Auto Racing, LLC.

APPROVAL OF ALL PROMOTIONAL MATERIALS FOR THIS PROMOTION: Prior to release
of the promotion, NASCAR legal must review all promotional copy of/on behalf of Sponsor
(i.e., creative, online, radio scripts, ad layouts, etc.) to ensure all materials
accurately reflects the official rules; additionally, all final drafts must be submitted
for NASCAR Legal’s review before NASCAR Legal can grant approval for use of any NASCAR
Marks in the promotion.

THIRD-PARTY APPROVAL: Sponsor must obtain all rights and approval of third
parties involved in the promotion, i.e., tracks (including, the right to give away tickets
as a prize, trademark usage, etc.), teams, drivers, other third parties, marks, brands,
likenesses, etc.

PREMIUMS USED IN CONJUNCTION WITH THIS PROMOTION: All premium items (including
any used for gift bags) used in connection with this promotion must be NASCAR-licensed,
royalty-bearing, and are subject to a separate premium licensing agreement with NASCAR.

LEGAL COMPLIANCE: Sponsor must ensure that this sweepstakes promotion, and
all elements thereof, complies with all applicable federal, state, & local laws, rules, and
regulations, including, but not limited to, sweepstakes and/or contest laws and all applicable
social media platform terms and conditions (e.g. FaceBook Pages Terms).

TITLE OF THIS PROMOTION: “NASCAR” cannot be used in the title of a sweepstakes in a
manner such that it appears that NASCAR is a sponsor of the sweepstakes.

THIRD PARTY IN TITLE OF THIS PROMOTION: Cannot use ‘NASCAR’ in the title of a
promotion in conjunction with a third party that has no relationship with NASCAR.

THIRD PARTY PROMOTION SPONSOR: Promotion must be sponsored only by Credit
One Bank and cannot be sponsored by a third party company with no NASCAR affiliation as such
third party has no rights to use of any NASCAR marks.

PROMOTION TITLE CONSISTENT: Title of sweepstakes/contest should remain
consistent throughout all materials (official rules, creative, etc.).

URLs: neither ‘NASCAR’ nor ‘NASCAR Cup Series’ (nor anything substantially
similar thereto in upper or lower case) can be used in any domain name registration or URL.

WEBSITE ADDRESS/URL: Website-link(s)/urls/etc., to Sweepstakes must be
housed-on and drive traffic to a Sponsor-owned website and cannot be housed on or drive
traffic to a third-party’s website (including third party’s social media site).

SOCIAL MEDIA REQUIREMENTS: Sponsor must ensure all Social Media
requirements/guidelines are met, including, but not limited to, intellectual property
(IP) usage requirements.