Massmutual – Futuresmart – Win an account in a 529 college savings plan (a “529 plan”) selected by the Prize Winner approximate retail value (“ARV”) $2500.00 USD

MassMutual FutureSmart SweepstakesOFFICIAL RULESNO PURCHASE OR PAYMENT OF ANY KIND NECESSARY TO ENTER OR WIN.A PURCHASE WILL NOT INCREASE YOUR CHANCES OF WINNING.VOID WHERE PROHIBITED OR RESTRICTED BY LAW.The MassMutual FutureSmart Sweepstakes (the “Sweepstakes”) is sponsored by Massachusetts Mutual Life Insurance Company, 1295 State Street, Springfield, MA 01111 (“Sponsor”).  OVERVIEW:During the Sweepstakes Period (as further described below) a financial literacy quiz featuring multiple-choice questions (the “Quiz”) will be featured on the promotional website. Entrants who participate in the Quiz by answering the five (5) questions provided and completing the entry form will be entered into the Sweepstakes for a chance to win the Prize (as further described in Section 5). While answering all questions and completing the Quiz is required for valid entry into the Sweepstakes, providing correct answers to the Quiz questions is not required to be eligible for entry.1.   SWEEPSTAKES PERIOD:  The Sweepstakes starts at 12:01 a.m. Eastern Time (“ET”) on January 1, 2020 and ends at 11:59 p.m. ET on March 1, 2020 (the “Sweepstakes Period”). Sponsor’s computer is the official Sweepstakes clock.  2.   ELIGIBILITY:  The Sweepstakes is open only to current legal residents of the fifty (50) United States (including the District of Columbia) who are at least thirteen (13 years of age) as of the time of entry (each such eligible entrant, an “Entrant”). Participants who are considered minors in their jurisdiction of residence must have the permission of their parent/legal guardian to participate in the Sweepstakes. Sponsor and/or its representative reserves the right to request proof of such permission at any period during the Sweepstakes. Employees, officers, directors, representatives, and agents of the Sponsor, the National Hockey League (“NHL”), the NHL’s Member Clubs, NHL Enterprises, L.P., NHL Enterprises Canada, L.P., NHL Enterprises, B.V., NHL Interactive CyberEnterprises, LLC, NHL Network US, L.P. (all foregoing NHL entities collectively, the “NHL Entities”), Wayin, Inc., BAMTech, LLC (aka Disney Streaming Services), and each of their respective parent and affiliate companies, licensors, and prize providers (collectively, the “Ineligible Entities”) as well as members of such employees’, officers’, directors’, representatives’, and agents’ immediate families, namely spouses, children, siblings and parents, and/or persons living in the same household of such persons (at least three months a year, whether or not related) are not eligible to enter this Sweepstakes. The Sweepstakes is subject to all applicable federal, state, provincial, municipal, territorial, and local laws and regulations and is void where prohibited. Participation constitutes Entrant’s (or if a minor, his/her parent’s/legal guardian’s) full and unconditional agreement to these Official Rules and Sponsor’s decisions, which are final and binding in all matters related to the Sweepstakes. Winning a prize is contingent upon fulfilling all requirements set forth herein.3.   HOW TO ENTER: No purchase necessary. During the Sweepstakes Period, go to nhl.com/futuresmart, answer the five (5) questions provided to complete the Quiz and then complete the entry form as instructed including confirmation that you have read and agree to the Official Rules (the completed Quiz and entry form, together the “Entry” and collectively, the “Entries”). All Entries must be received by 11:59 p.m. ET on March 1, 2020. Upon submitting a valid Entry, Entrant will receive one (1) Entry into the Sweepstakes.  Note: For Entrants using a mobile device to participate in any aspect of this Sweepstakes, message and data rates may apply. Check with your wireless service provider for details or any applicable charges. Entrants are solely responsible for any such wireless charges.Released Parties (as defined in Section 7, below) are not responsible for lost, late, stolen, incomplete, inaccurate, invalid, un-intelligible, garbled, delayed or misdirected Entries, all of which will be void.   LIMIT: ONE (1) ENTRY PER PERSON DURING THE SWEEPSTAKES PERIOD. No person may enter more than once during the Sweepstakes Period by using different email addresses and no email addresses can be used to submit more than one (1) Entry. Proof of submitting an Entry will not be deemed by Sponsor as proof of receipt or entry into the Sweepstakes. Any attempted form of entry into the Sweepstakes other than as described herein is void and will be disqualified. Entries from the same person and/or email address in excess of the number stated herein will be disqualified. Any attempt by an Entrant to use multiple email accounts will result in disqualification. Any use of robotic, repetitive, automatic, programmed or similar entry methods or agents will void all Entries by that Entrant. Entries that are incomplete, late, garbled or corrupted are void and will not be accepted. Entries will not be acknowledged or returned. Taking the Quiz more than one (1) time will not result in any additional Entries earned.4.   RANDOM DRAWING:  At approximately 1:00 p.m. ET on March 2, 2020, at the NHL Corporate Office at 1185 Avenue of the Americas, New York, NY, a Sponsor and/or NHL representative will randomly select one (1) potential prize winner (the “Prize Winner”) from among all eligible Entries received during the Sweepstakes Period. The selected Prize Winner is considered a potential Prize Winner, subject to verification and compliance with these Official Rules. The confirmed Prize Winner will be awarded one (1) prize (the “Prize”) as described below. 5.   PRIZE, APPROXIMATE RETAIL VALUE (“ARV”) AND ODDS OF WINNING:One (1) Prize which will consist of a $2,500 gift card (“Gift Card”) to be used by Prize Winner to fund an account in a 529 college savings plan (a “529 plan”), selected by the Prize Winner;  approximate retail value (“ARV”): $2,500.00 USD.Gift Card is fulfilled by SoFi Lending Corp’s Leaf College Savings™ program and is issued by CBW Bank. Fulfillment, delivery and use of the Gift Card is subject to the Gift Card’s separate terms and conditions. Instructions for activating the Gift Card and funding the 529 plan will be provided to the Prize Winner at the same time as Prize delivery. Sponsor to provide Prize directly to Prize Winner approximately one (1) week following Prize Winner verification (in accordance with Section 6 below). In accepting the Prize, the Prize Winner is responsible for all federal, state, county, local, and all other taxes (including income and withholding, as applicable) imposed on or asserted in connection with the Prize and costs and expenses not specifically listed above as part of the Prize.All details and other restrictions of Prize not specified in these Official Rules will be determined by Sponsor in its sole discretion. Actual value of Prize under this Sweepstakes may be lower or higher at the time of its fulfillment, and any difference between actual value and the stated ARV (if actual value is lower than stated ARV) will not be awarded. Prize is non-transferable, non-refundable, and no substitution or cash redemption will be made except as provided herein at the Sponsor’s sole discretion. Sponsor reserves the right, for whatever reason, to substitute the Prize (or any component thereof) for one of equal or greater value.Odds of Winning: The odds of winning a Prize depend upon the number of eligible Entries received during the Sweepstakes Period.  Additional Information About 529 Plans: A 529 plan is a tax-advantaged savings plan designed to encourage saving for future education costs. 529 plans, legally known as “qualified tuition plans,” are sponsored by states, state agencies, or educational institutions and are authorized by Section 529 of the Internal Revenue Code. There are two types of 529 plans: prepaid tuition plans and education savings plans. The Prize can be used to fund either type of 529 plan. All fifty (50) states and the District of Columbia sponsor at least one (1) type of 529 plan. More information about 529 plans can be found here: https://www.sec.gov/reportspubs/investor-publications/investorpubsintro529htm.htmlThis Sweepstakes does not constitute an offer to sell, a solicitation of an offer to buy, or a recommendation of any security or any other product or service, including without limitation any 529 college savings plan, by the Sponsor, The MassMutual Foundation, the NHL Entities or any of their respective subsidiaries or affiliates, or any other third party. Furthermore, nothing in the Sweepstakes or these Official Rules is intended to provide financial, tax or investment advice and nothing should be construed as a recommendation to buy, sell, or hold any investment or security or to engage in any savings or investment strategy or transaction. The Sponsor, The MassMutual Foundation, and the NHL Entities do not represent that any securities, products, or services, including, without limitation, the Prize or any other 529 college savings plan, are suitable for any particular investor. You are solely responsible for determining whether any investment, investment strategy, security or related transaction is appropriate for you based on your personal savings and investment objectives, financial circumstances and risk tolerance. You should consult your financial professional or tax and accounting advisor regarding your specific financial or tax situation.6.   WINNER NOTIFICATION:  Within seven (7) days following the drawing, the potential Prize Winner will be notified via email and/or telephone using the email address and/or telephone number provided at time of Entry. The potential Prize Winner will be required to respond to Sponsor’s representative within seventy-two (72) hours of notification. The potential Prize Winner (or if a minor, his/her parent/legal guardian) will then be required to complete an Affidavit of Eligibility, Publicity Release (except where prohibited by law), Liability Waiver, and agreement to use Gift Card in compliance with its terms and conditions, along with a W9 or other tax form (if applicable) (together, the “Release Forms”), all of which must be received by Sponsor’s representative by the date provided in the notification in order to claim the Prize. If the potential Prize Winner cannot (a) be contacted after two (2) attempts, (b) fails to respond and/or provide any of the Release Forms within the required time period, (c) is otherwise in non-compliance with these Official Rules, or (d) declines to or cannot accept the Prize to be awarded, the potential Prize Winner will not be confirmed and will forfeit the Prize. In the event that the potential Prize Winner is disqualified for any reason, Sponsor, in its sole discretion, may select an alternate potential Prize Winner for the Prize by random drawing from among all remaining eligible Entries received during the Sweepstakes Period, time permitting. Only up to five (5) alternate drawings may be held, after which the applicable Prize will remain un-awarded. Subject to verification of eligibility and compliance with these Official Rules, the potential Prize Winner will be declared an official Prize Winner in the Sweepstakes.7.   RELEASE; INDEMNIFICATION; DISCLAIMER OF WARRANTY: By participating in the Sweepstakes, all Entrants (and if minors, their parents/legal guardians) agree to forever and irrevocably release and hold harmless each of the Ineligible Entities, and each of their respective officers, directors, governors, members, partners, partnerships, principals, owners, employees, volunteers, representatives, agents, affiliates (past, present and future), related entities, successors and assigns (collectively, the “Released Parties”), from any and all liability for any loss, harm, damage, injury, cost or expense of any nature whatsoever (including attorneys’ fees) (collectively, “Losses”) which may occur in connection with (a) the Sweepstakes or any element thereof, including entry or participation therein, (b) delivery, possession, acceptance and/or use or misuse of the Prize or component thereof, or (c) participation in any Sweepstakes-related activity or Prize-related activity including without limitation in each case any Losses that may be caused or contributed to by (1) any wrongful, negligent or unauthorized act or omission on the part of any of the Released Parties, or any of their independent contractors or any other person or entity not an employee of any of the Released Parties, or (2) any other cause, condition or event whatsoever beyond the control of any of the Released Parties. In addition, by participating in this Sweepstakes, each Entrant (and if a minor, his/her parent/legal guardian) agrees to indemnify and hold harmless the Released Parties from and against any and all damages, losses, costs and expenses (including amounts paid in settlement and reasonable attorneys’ fees) incurred by any of the Released Parties in connection with any third-party claim, demand, liability, suit, proceeding or action arising out of or resulting from (i) breach or alleged breach of any representations, warranties or agreements of Entrant hereunder, or (ii) Entrant’s possession, use or misuse of the Prize or component thereof. Each Entrant (and if a minor, his/her parent/legal guardian) hereby acknowledges that the Released Parties have neither made nor are in any manner responsible or liable for any warranty, representation or guarantee, express or implied, in fact or in law, relative to the Prize (or any components thereof) and that, except to the extent prohibited by applicable law, a Prize is provided “as is” without warranty of any kind, either express or implied. Released Parties hereby disclaim all such warranties, including but not limited to, the implied warranties of merchantability, fitness for a particular purpose and/or non-infringement.  8.   PUBLICITY: Except where legally prohibited, participation in the Sweepstakes and acceptance of the Prize constitutes each Prize Winner’s (or if a minor, his/her parent’s/legal guardian’s) agreement and consent to Sponsor’s and its affiliates’, agents’ or affiliated third parties’ use of each Prize Winner’s name, likeness, photograph, voice, opinions and/or hometown & state/province, for promotional purposes in any media now known or hereafter devised, worldwide, without further payment or consideration, notice, review or approval. 9.   GENERAL CONDITIONS: All decisions of Sponsor in connection with this Sweepstakes shall be binding and final in all respects. Sponsor reserves the right to terminate, cancel, suspend and/or modify the Sweepstakes if intervening circumstances warrant, within Sponsor’s sole discretion, due to any fraud, virus or other technical problem which corrupts the administration, security, or proper entry into the Sweepstakes, or for any other reason. In such event, Sponsor reserves the right to award any Prize from among the eligible Entries received within the Sweepstakes Period up to the time of the termination, cancellation, suspension and/or modification. Sponsor reserves the right in its sole discretion to disqualify any individual it finds to be tampering with the entry process or the operation of the Sweepstakes or to be acting in violation of these Official Rules or in an unsportsmanlike or disruptive manner. 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 or provision of these Official Rules shall not constitute a waiver of that term or provision. In case of dispute as to the owner of an Entry, the Entry will be deemed to have been submitted by the authorized account holder of the email address from which the Entry is made. The “authorized account holder” is defined as the natural person who is assigned an email address by an Internet access provider, online service provider or other organization that is responsible for assigning email addresses or the domain associated with the submitted email address. The potential Prize Winner may be requested to provide the Sponsor or its designees with proof that the potential Prize Winner is the authorized account holder of the email address associated with a winning entry. If a dispute cannot be resolved, the Entry will be deemed ineligible, and an alternate potential Prize Winner may be selected in Sponsor’s sole discretion in accordance with Section 6 above). This Sweepstakes is in no way sponsored or administered by any of the other Ineligible Entities except for Sponsor. Any questions, comments, or complaints regarding the Sweepstakes should be directed to the Sponsor10.   LIMITATIONS OF LIABILITY: Without limiting anything set forth in Section 7 or Section 9 of these Official Rules, Released Parties shall not have any obligation, responsibility or liability, including any obligation or responsibility to award a Prize to any Entrant, with regard to: (a) Entries submitted through the use of any robotic or automated device/computer program or any other non-human mechanism, entity, or device; (b) Entries in excess of the stated entry limit; (c) Entries that are illegible, late, forged, destroyed, lost, misplaced, stolen, misdirected, tampered with, incomplete, deleted, damaged, garbled, altered or otherwise not in compliance with or in violation of these Official Rules, whether caused by any equipment or programming associated with or utilized in the Sweepstakes or any other reason beyond Released Parties’ control; (d) any technical or human error which may occur in the creation, submission, assignment or processing of Entries in the Sweepstakes, including any technical or human error in connection with the Sweepstakes website, any applicable social media website, and/or the hosting of either of the foregoing; (e) Entries, Prize claims or notifications that are not received by the intended recipient due to transmission, technical, computer or human failures or error of any kind, including any Entries, Prize claims or notifications that are delayed, misdirected, or undelivered as a result of any failure or problem with the availability, functionality, operability or use of any network, server, ISP, website (including the Sweepstakes website), computer, internet connection, hand-held mobile device or any other equipment or connection used in connection with the Sweepstakes; (f) changes in an Entrant’s Entry information which affects the ability to contact such Entrant; (g) typographical errors in Sweepstakes promotional material; (h) cancellations and/or delays or any change by any company or any other persons providing any of components of any Prize due to reasons beyond the control of any of the Released Parties; (i) any interruptions/postponement/cancellation of Sweepstakes; (j) human error; incorrect or inaccurate transcription of Entry information; (k) any technical malfunctions of the computer on-line system, computer dating mechanism, computer equipment, software, or internet service provider utilized by any of the Released Parties or by Entrant; (l) interruption or inability to access the Sweepstakes, any Sweepstakes-related web pages, or any on-line service via the Internet due to hardware or software compatibility problems; (m) any damage to Entrant’s (or any third person’s) computer and/or its contents related to or resulting from any part of the Sweepstakes; (n) any lost/delayed data transmissions, omissions, interruptions, defects; and/or (o) any other errors or malfunctions, even if caused by the negligence of any one or more of the Released Parties.11.   DISPUTES: Any and all disputes, claims and causes of action arising out of or connected with this Sweepstakes or the Prize awarded shall be resolved exclusively by the United States District Court for the Southern District of New York, U.S.A. or the appropriate New York State Court located in New York County, New York, U.S.A., and all issues and questions concerning the construction, validity, interpretation and enforceability of these Official Rules, or the rights and obligations of the Entrants and Sponsor in connection with the Sweepstakes, shall be governed by, and construed in accordance with, the laws of the State of New York, U.S.A. without giving effect to any choice of law or conflict of law rules (whether of the State of New York, U.S.A. or any other jurisdiction), which would cause the application of the laws of any jurisdiction other than the State of New York, U.S.A;  Except where prohibited by law, Entrants (and if minors, their parents/legal guardians) agree that (i) any and all such disputes, claims, and causes of action 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 this Sweepstakes, but in no event attorneys’ fees; (iii) under no circumstances will Entrants be permitted to obtain awards for, and Entrants hereby waive all rights to claim, indirect, punitive, incidental, consequential and/or any other damages, other than actual out-of-pocket expenses; (iv) they waive any and all rights to have damages multiplied or otherwise increased; (v) they irrevocably consent to the personal jurisdiction of the aforesaid courts, as applicable to each such Entrant, and waive any claim of forum non conveniens or lack of personal jurisdiction that they may have; and (vi) if any provision of these Official Rules is declared invalid or unenforceable, such provision will be deemed modified to the extent necessary and possible to render it valid and enforceable, and that in any event, the unenforceability or invalidity of any provision will not affect any other provision of these Official Rules, and these Official Rules will continue in full force and effect, and be construed and enforced, as if such provision had not been included, or had been modified as described above, as the case may be.  12.   PRIVACY: Information collected from Entrants is subject to NHL’s Privacy Policy at http://www.nhl.com/info/privacy-policy. Personal information will be shared with Sponsor and used by the NHL in connection with the administration of this Sweepstakes, including to notify Entrants, verify and confirm the winner and award prizing, and as otherwise described in NHL Privacy Policy at http://www.nhl.com/info/privacy-policy.  13.   WINNERS LIST:  For the name of the Prize Winner, send a self-addressed, stamped envelope to “Winners List, FutureSmart Sweepstakes”, Attn: CK, NHL, One Manhattan West, 395 Ninth Avenue, New York, NY 10001. Residents of VT may omit return postage. Winners List requests must be received no later than April 30, 2020. NHL and the NHL Shield are registered trademarks of the National Hockey League. All Rights Reserved.