Midland National – 30 Days Of Thanks Photo Contest – Win a check for $1000 USD ARV $1000 ARV of all prizes $1000).

MIDLAND NATIONAL® LIFE INSURANCE COMPANY “30 DAYS OF THANKS” PHOTO CONTEST OFFICIAL RULESNO PURCHASE OR PAYMENT OF ANY KIND IS NECESSARY TO ENTER OR WIN THIS CONTEST1. GENERAL. Participation in the Midland National Life Insurance Company “30 Days of Thanks” Photo Contest (the “Contest”) constitutes full and unconditional agreement to and acceptance of these Official Rules and the decisions of Sponsor, which are final and binding. Winning a Prize is contingent on fulfilling all requirements set forth herein. This Contest is in no way sponsored, endorsed or administered by, or associated with, Facebook.2. ENTRY PERIOD: The Contest begins at 12:00 a.m. Central Time (“CT”) on November 1, 2018 and ends at 11:59 p.m. CT on November 30, 2018 (the “Entry Period”). The beginning and ending times of the Contest shall be determined by the computers of Sponsor or its delegates.3. ELIGIBILITY: The Contest is open to legal residents of the Fifty (50) United States and District of Columbia, who are twenty-one (21) years of age or older at time of entry. Void where prohibited. The following persons are not eligible to enter the Contest: (a) persons who on or after November 1, 2018, were or are a director, officer, employee, or independent sales agent of Sponsor or its affiliated companies; (b) individuals engaged in the development, production, judging, or distribution of materials for this Contest; (c) immediate family or household members of the foregoing; and/or (d) persons who are not eligible to lawfully participate in the Contest. 4. AGREEMENT TO OFFICIAL RULES AND DECISIONS: By participating in the Contest, each participant unconditionally accepts and agrees to comply with and abide by these Official Rules and the decisions of Sponsor and its judges (including, without limitation, decisions regarding eligibility of entries, the selection of entrants and winners, the judging of entries, and the awarding of prizes), which shall be final and binding in all respects.5. HOW TO ENTER: To enter, create and submit an original photo that captures what you are thankful for (the “Photo Submission”). Entrants must upload the Photo Submission and enter the required information at the official Contest website: (the “Contest Website”) during the Entry Period. A Photo Submission may only be submitted by a single registered user and may not be edited or resubmitted in any form after it has been submitted. For purposes of these Official Rules, receipt of entry occurs when the servers of the Contest Website successfully receive the uploaded file of the Photo Submission and record the required entry information. All entries must be received during the Entry Period. Submissions received by Sponsor after the end of the Entry Period will be disqualified. Sponsor reserves the right to extend the length of the Entry Period in its sole discretion. Only fully completed entries will be considered for judging. Multiple entries from the same entrant are permitted but each entry must be different and submitted separately in accordance with these Official rules. Entries and Photo Submissions become the sole property of Sponsor and will not be acknowledged or returned. Sponsor is not responsible for lost, late, undelivered, stolen, invalid, misdirected, misplaced, damaged, altered, illegible, corrupted, unreadable, or incomplete entries, all of which will be disqualified. Proof of submission will not be deemed to be proof of receipt by Sponsor.6. PHOTO REQUIREMENTS, TERMS AND CONDITIONS:a. REQUIREMENTS: The entry must include all requested information, including, without limitation, all contact    information and a Photo Submission that complies with these Official Rules. All submissions and all components of such submissions must be entrant’s own original creation (an original is the product of one’s own mind and is not a copy or imitation), created solely by entrant. Submissions must be original and may not have been published previously, in whole or in part, or have been submitted to any other contest or won any other award, and must not include photos, film, or other images that are not originally taken or created by entrant and must not infringe upon any rights of any third party, including without limitation, copyright, trademark, and rights of publicity or privacy. Modifying, enhancing, or altering a third party’s preexisting work does not qualify as an entrant’s original creation. Entrants must own all intellectual property rights relating to their submissions, including without limitation, all trademark and copyright rights. Sponsor reserves the right, in its sole discretion, to disqualify any submission that it deems sexually explicit, violent, pornographic, obscene, offensive, defamatory, or otherwise inappropriate or inconsistent with the positive images and goodwill with which Sponsor wishes to associate. Any submission that does not comply with any aspect of these Official Rules may be rejected and the entrant disqualified in Sponsor’s sole discretion. b. TERMS AND CONDITIONS/INTELLECTUAL PROPERTY: By entering the Contest, each entrant represents and warrants that (i) the submission is the original work of the entrant and has not been published previously, in whole or in part, or been submitted to any other contest or won an award or prize of any kind; (ii) the entrant has obtained all the rights, licenses, and permissions in writing from each person (including parent/legal guardian) whose likeness appears on the submission and will provide copies to Sponsor upon request; and (iii) the submission does not infringe or violate the rights of any third party, including, but not limited to, copyrights, trademarks, patents, trade secrets, logos, contract and licensing rights, rights of publicity or privacy, moral rights, or any other intellectual property rights. Entries that are deemed by the Sponsor, in its sole discretion, to be in violation of these Official Rules, or to be otherwise infringing, defamatory, or generally not in keeping with the image of Sponsor, will be rejected, void, deleted and/or disqualified. Each entry and related submissions, including without limitation, all contents, concepts and ideas embodied therein, become the exclusive property of Sponsor, and will not be returned by Sponsor. Each entrant hereby assigns to Sponsor, its successors and assigns, all right, title and interest in and to the entry and submissions, including, without limitation, all intellectual property and other proprietary rights without expectation of compensation or acknowledgement. Each entrant agrees that Sponsor and its successors and assigns have the perpetual, irrevocable, worldwide and fully transferable right (but not obligation) to use, modify, display, reproduce, make derivative works of, and otherwise exploit entrant’s entry and submissions (or any part thereof) for any lawful purpose (including, without limitation, promotional and advertising purposes) in any manner or media whether now or hereafter existing and/or to otherwise use or commercially exploit any entry or submission (or any part thereof) or information or ideas contained within any entry or submission, all without payment, consideration or consent. Sponsor has no obligation to maintain any of the entries or submissions, or any information or ideas contained therein, as confidential or proprietary. Sponsor reserves the right, in its sole discretion, to edit, modify, or abridge any such entry or submissions for any reason prior to use. Entrant hereby irrevocably waives all “moral rights” with respect to the submission and all uses of the submission to the fullest extent permitted by law. 7. EVALUATION OF ENTRIES: Photo Submissions will be evaluated by a panel of judges consisting of Sponsor representatives who may be agents or employees of the Sponsor (the “Judging Panel”).a.Judging Round. Qualified entries will be judged by the Judging Panel based on the following criteria: originality (33%), overall impression (34%), and adherence to theme (33%). The entry with the highest overall score shall be named the winner. In the event of a tie, the tied entry receiving the highest score in the overall impression category shall be named the potential winner. 8. WINNER NOTIFICATION: The potential winner will be notified by Sponsor by phone, e-mail, mail, or overnight courier service, and will have five (5) business days after Sponsor’s first notification attempt to contact Sponsor at the number specified by Sponsor in order to confirm eligibility and compliance with these Official Rules and to accept the Grand Prize. Failure to respond in time to Sponsor may result in disqualification of the entrant, and the next highest scoring entrant may be selected as the potential winner.9. PRIZES/APPROXIMATE RETAIL VALUE: The Grand Prize winner will receive a check for $1,000 USD (Approximate Retail Value (“ARV”): $1,000; ARV of all prizes: $1,000). Winner is solely responsible for any and all costs, fees, taxes, and expenses associated with prize receipt and use, including, without limitation, all federal, state, and local taxes on any prize. Entrant will supply all necessary tax information, as requested by Sponsor. No prize substitution, transfer, assignment, or cash redemption by winners is allowed. Sponsor, in its sole discretion, reserves the right to substitute a prize (or portion thereof) of equal or greater value. 10. PUBLICITY: By submitting an entry, each entrant grants Sponsor, its successors and assigns, permission to use entrant’s name, biography, likeness, voice, photographs, video, hometown, and state for promotional purposes. Any uses of the foregoing may be in any manner or media whether now or hereafter existing (including, without limitation, online), worldwide, in perpetuity, and without further payment, consideration or consent. 11. RELEASE: By entering the Contest, each entrant forever and irrevocably releases and holds harmless Sponsor, its parents, subsidiaries and affiliates, and their respective agents, advertising and promotion agencies, Contest partners and prize suppliers, and all of their respective employees, officers, directors, shareholders, affiliates, and agents from and against all claims, damages, or liabilities arising in whole or in part, directly or indirectly, from (a) entrant’s participation in the Contest, or Contest-related activities or events, (b) entrant’s entry and submissions, (c) entrant’s representations and agreements in these Official Rules, and (d) entrant’s award, receipt, or use of any prize awarded in the Contest. 12. GENERAL CONDITIONS: Sponsor reserves the right, in its sole discretion, to terminate, modify, or suspend the Contest if, in Sponsor’s opinion, there is any suspected or actual evidence of electronic or non-electronic tampering with any portion of the Contest, or if viruses, bugs, unauthorized intervention, fraud, technical difficulties or failures, or any other factor beyond Sponsor’s reasonable control corrupt or affect the administration, security, fairness, integrity, or proper conduct of the Contest. In such event, Sponsor reserves the right in its sole discretion to evaluate pursuant to these Official Rules all eligible, non-suspect entries received up to the time of suspected impairment and award prizes, or not award any prizes. Sponsor reserves the right in its sole discretion to disqualify any entrant it finds to be tampering with the entry process or the operation of the Contest or to be acting in violation of these Official Rules or in an unsportsmanlike or disruptive manner. Any attempt by any person to deliberately damage any website or undermine the legitimate operation of this Contest is a violation of criminal and civil laws, and, should such an attempt be made, Sponsor reserves the right to seek damages and other remedies 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.13. DISPUTES: Entrant agrees that any and all disputes, claims, and causes of action arising out of or connected with this Contest, or any prizes awarded shall be resolved individually, without resort to any form of class action, and solely and exclusively in the United States District Court for the Southern District of Iowa-Des Moines Division or the Iowa District Court for Polk County, Iowa; entrant submits to sole and exclusive personal jurisdiction to said courts for any such dispute and irrevocably waives any and all rights to object to such jurisdiction. Except as required by law, Sponsor shall have no obligation to reveal to any third party, including without limitation to any entrant, the results of, or communications related to, Sponsor’s internal deliberations associated with the Contest. 14. MISCELLANEOUS: These Official Rules constitute the entire agreement between the Sponsor and the entrant. Any representation, promise, modification, or amendment to these Official Rules Form shall not be binding upon the Sponsor unless agreed to by the Sponsor in a signed writing. Should any provision of these Official Rules be held by a court to be unenforceable, such provision shall be modified by the court and interpreted so as to best accomplish the objectives of the original provision to the fullest extent permitted by law, and the remaining provisions shall remain in full force and effect. All issues and questions concerning the construction, validity, interpretation, and enforceability of these Official Rules, or the rights and obligations of entrant or Sponsor in connection with the Contest shall be governed by, and construed in accordance with, the laws of the State of Iowa. 15. PRIVACY: Sponsor collects personal information from entrants when they enter the Contest. Sponsor will use such information for administration of the Contest and may use such information as explained in its privacy policy, which is available at https://www.midlandnational.com/privacy. 16. LIMITATIONS ON LIABILITY: SPONSOR’S LIABILITY TO ANY ENTRANT FOR DAMAGES ARISING OUT OF OR IN ANY WAY CONNECTED TO THIS CONTEST, SHALL NOT EXCEED $50.00. Any and all claims, judgments, and awards shall be limited to actual out-of-pocket costs incurred, including costs associated with entering this Contest but in no event attorneys’ fees. Under no circumstances will entrant be permitted to obtain awards for and entrant hereby waives 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. SOME JURISDICTIONS DO NOT ALLOW THE LIMITATION OR EXCLUSION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES, SO THE ABOVE MAY NOT APPLY TO YOU. Sponsor is not responsible for: (a) incorrect or inaccurate transcription of entry information or late, lost, stolen, undelivered, invalid, unreadable, corrupted, misplaced, unintelligible, illegible, damaged, mutilated, altered, incomplete, or misdirected entries or submissions, or entries or submissions received through impermissible or illegitimate channels, all of which will be disqualified; (b) technical failures of any kind, including but not limited to the malfunctioning of any telephone, computer online systems, computer equipment, website, server provider, network, hardware, or software; (c) the unavailability or inaccessibility of any website or service; (d) unauthorized intervention in any part of the entry process or the Contest; (e) printing, typographical, electronic, or human errors that may occur in the offer or administration of the Contest or the processing of entries or submissions; or (f) any injury or damage to persons or property, including but not limited to entrant’s computer, which may be caused, directly or indirectly, in whole or in part, from entrant’s participation in the Contest, or from viewing, playing, or downloading any material from Sponsor’s website(s), regardless of whether the material was prepared by Sponsor or a third party, and regardless of whether the material is connected to Sponsor’s website by a hypertext link. 17. OFFICIAL RULES REQUEST: For a copy of these Official Rules, send a self-addressed stamped envelope to Midland National Life Insurance Company “30 Days of Thanks” Photo Contest, Official Rules Request, 4350 Westown Parkway, West Des Moines, IA 50266. Official Rules are posted online at https://woobox.com/vvjemx/rules . 18. WINNER’S LIST: The winners’ names can be obtained by sending a self-addressed, stamped envelope to: Midland National Life Insurance Company “30 Days of Thanks” Photo Contest, Official Rules Request, 4350 Westown Parkway, West Des Moines, IA 50266. Mailed requests must be received by December 31, 2018. 19. SPONSOR: Midland National Life Insurance Company, 4350 Westown Parkway, West Des Moines, IA 50266.©2018 Midland National Life Insurance Company. All rights reserved.