NO PURCHASE OR PAYMENT NECESSARY TO ENTER OR WIN. PURCHASE DOES NOT INCREASE YOUR CHANCES OF WINNING. THIS SWEEPSTAKES IS INTENDED FOR THE UNITED STATES. DO NOT ENTER IF YOU ARE NOT 18 YEARS OF AGE OR OLDER (19 IN ALABAMA AND NEBRASKA) AND LOCATED IN ALABAMA, ARIZONA, ARKANSAS, COLORADO, FLORIDA, GEORGIA, IDAHO, ILLINOIS, INDIANA, IOWA, KANSAS, KENTUCKY, MICHIGAN, MINNESOTA, MISSOURI, NEBRASKA, NORTH CAROLINA, NORTH DAKOTA, OHIO, PENNSYLVANIA, SOUTH CAROLINA, SOUTH DAKOTA, TENNESSEE, UTAH, VIRGINIA, OR WISCONSIN AT THE TIME OF ENTRY. VOID OUTSIDE ALABAMA, ARIZONA, ARKANSAS, COLORADO, FLORIDA, GEORGIA, IDAHO, ILLINOIS, INDIANA, IOWA, KANSAS, KENTUCKY, MICHIGAN, MINNESOTA, MISSOURI, NEBRASKA, NORTH CAROLINA, NORTH DAKOTA, OHIO, PENNSYLVANIA, SOUTH CAROLINA, SOUTH DAKOTA, TENNESSEE, UTAH, VIRGINIA, WISCONSIN, AND WHERE PROHIBITED. SUBJECT TO ALL APPLICABLE FEDERAL, STATE, AND LOCAL LAWS AND REGULATIONS.

  1. ELIGIBILITY: Open to legal residents of Alabama, Arizona, Arkansas, Colorado, Florida, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Michigan, Minnesota, Missouri, Nebraska, North Carolina, North Dakota, Ohio, Pennsylvania, South Carolina, South Dakota, Tennessee, Utah, Virginia, and Wisconsin, who are 18 years of age or older (19 in Alabama and Nebraska). The following individuals are not eligible to enter or win a prize: employees, independent insurance agents, contractors, directors, and officers of Auto-Owners Insurance Company ("Sponsor"), its parent, subsidiary and affiliated companies, and the web design, advertising, fulfillment, legal, judging, administrative, and sweepstakes agencies involved in the administration, development, fulfillment, and execution of this Sweepstakes (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). Void outside Alabama, Arizona, Arkansas, Colorado, Florida, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Michigan, Minnesota, Missouri, Nebraska, North Carolina, North Dakota, Ohio, Pennsylvania, South Carolina, South Dakota, Tennessee, Utah, Virginia, or Wisconsin, and where prohibited.

  1. SWEEPSTAKES PERIOD: Sweepstakes begins on May 1, 2017 at 12:00:00 p.m. Central Time ("CT") and ends on July 31, 2017 at 11:59:59 p.m. CT (the "Sweepstakes Period"). The Website server is the official clock for this Sweepstakes.

  1. TO ENTER: There are six (6) methods of entry for this Sweepstakes:

Website: During the Sweepstakes Period, visit www.autoownerstruexperience.com (the "Website"). Follow the on-screen directions to complete and submit the online entry form during the Sweepstakes Period to receive one (1) entry into the Sweepstakes.

Facebook: Go online to the Auto-Owners Insurance page on Facebook (https://www.facebook.com/AutoOwnersInsurance/) (also the "Website") during the Promotion Period and click on the tab to "The Auto-Owners Insurance TRUEXPERIENCE Sweepstakes" to access the Promotion, submit the online entry form, and receive one (1) entry into the Sweepstakes.

Access the Sponsor's Facebook Page from the Website: Click the link to visit the Sponsor's Facebook page from the Website when prompted on the Thank You page to receive one (1) entry into the Sweepstakes.

Facebook Post: Post a comment on the Sponsor's Facebook page at www.facebook.com/AutoOwnersInsurance/ with the hashtags #TRUEXPERIENCE and #entry to receive one (1) entry into the Sweepstakes. Your post must include the required hashtags to receive an entry.

Instagram: Post an image of yourself and tag @AutoOwnersIns with the hashtags #TRUEXPERIENCE and #entry on Instagram to receive one (1) entry into the Sweepstakes. Your post must include the required hashtags to receive an entry. Your Instagram account must be public to enter. If your account is set to "Private," your entry may not be visible and you may not be able to receive any direct messages from the Sponsor.

Twitter: Follow @AutoOwnersIns on Twitter and post a Tweet with @AutoOwnersIns and with the hashtags #TRUEXPERIENCE and #entry in the post to receive one (1) entry into the Sweepstakes. Your post must include the required hashtags to receive an entry. Your Twitter account must be public to enter. If your account is set to "Private," your entry may not be visible and you may not be able to receive any direct messages from the Sponsor.

Important Notice: If you post photos or receive updates from Facebook, Twitter, or Instagram via your wireless device, standard data charges will apply. Please consult your data rate plan regarding pricing for data

Limit one (1) entry per person/email address/social media account for each method of entry outlined above per day for a total of six (6) entries per person/email address/social media account per day of the Sweepstakes. For purposes of this Sweepstakes, a "day" begins at 12:00:00 a.m. CT and ends at 11:59:59 p.m. CT, except the first day of the Sweepstakes which begins at 12:00:00 p.m. CT. Automated methods of entry are prohibited and any use of automated devices will cause disqualification.

Enter using only an email address, Facebook, Twitter, or Instagram account registered in your name. In the event of a dispute regarding the identity of the entrant, the natural person associated with the email address or social media account provided with the entry will be considered the entrant. Entrants may not enter with multiple email address or social media accounts above the stated limit, nor may entrants use any other device or artifice to enter as multiple entrants. Any entrant who attempts to enter with multiple email addresses, Facebook, Twitter or Instagram accounts, or uses any device or artifice including robotic, repetitive, automatic, programmed or similar entry methods or agents to enter multiple times above the stated limit during the Sweepstakes Period will be disqualified and forfeits any and all prizes won, at Sponsor's sole discretion. Proof of sending or submission will not be deemed to be proof of receipt by Sponsor. By participating, entrants agree to abide by and be bound by these Official Rules and the Sponsor's decisions.

Bonus Entry: After successfully submitting a completed Website entry form as directed, you will be given the opportunity to earn one (1) additional entry (a "Bonus Entry"; also an "entry") by watching a forty-five (45) second Auto-Owners Insurance Company themed video on the Thank You page of the Web Site. Limit one (1) Bonus Entry per person/email address.

Referral Entries: After entering, you will be given the opportunity to receive one (1) additional entry by providing a valid email address for up to five (5) people you know who might like to receive an email about this Sweepstakes (a "Referral Entry"). A valid email address is an active email address associated with a real person other than you. You may only refer a particular friend one (1) time throughout the Sweepstakes Period, and you may only refer people you know personally. Limit five (5) Referral Entries per person/email address.

This Sweepstakes is in no way sponsored, endorsed or administered by, or associated with Facebook, Twitter, or Instagram. You are providing your information to the Sponsor and not to Facebook, Twitter, or Instagram. Information submitted in connection with this Sweepstakes is governed by Sponsor's Privacy Policy, available at http://www.auto-owners.com/terms-of-use. Any personal information supplied by any entrant to Twitter, Instagram, or Facebook will be subject to their respective privacy policies. Entries must comply with the submission requirements of Facebook, Twitter and/or Instagram, as applicable. For your entry to be valid, you must complete and submit all required information.

  1. REQUIREMENTS FOR ENTRY: Entries must be the original work of the entrant; must not infringe any third-party's rights; must be suitable for publication (i.e., may not be obscene or indecent); must not contain obscene or pornographic material; may not contain defamatory statements; may not invade privacy, publicity, or other rights of any person, firm, or entity; may not in any other way violate applicable laws and regulations; may not infringe any reference to any third party trademarks, names, or third party logos (except for Sponsor's trademarks and logos); and may not infringe any copyrighted works owned by third parties. Entries containing prohibited material or inappropriate content, or deemed to be in violation of these Official Rules or otherwise infringing, harmful, inappropriate, or defamatory, or generally not in keeping with the image of the Sponsor, as determined by the Sponsor in Sponsor's sole discretion, may be disqualified and will not be eligible to participate in the Sweepstakes. Any entrant whose entry contains likenesses of third parties must be able to provide legal releases for Sponsor's use of such entry, in a form satisfactory to the Sponsor, upon request, prior to award of prize and/or naming of entrant as a winner.

By submitting an entry, entrants grant to Sponsor a non-exclusive, irrevocable, fully paid, universal license to use, copy, sublicense, transmit, distribute, publicly perform, publish, edit, delete, display, create derivatives works of, and otherwise exploit entrant's name, likeness, voice, quotes, comments, biographical information, and/or entry, or any portion thereof, together with other materials, edited or altered as Sponsor sees fit, in any manner, in any media now known or hereafter devised, for advertising, trade, publicity, promotional and commercial purposes in connection with Sponsor, including, but not limited to, posts on social media pages and/or any website, without limitation and without any further right of approval, permission or compensation. By submitting an entry, entrants agree that Sponsor has no obligation to post any photographs, videos, or entries, or make use of the rights granted herein and may take down any entry at any time and for any reason. BY SUBMITTING AN ENTRY, ENTRANT ACKNOWLEDGES THAT HIS/HER ENTRY MAY BE POSTED ON SPONSOR'S WEBSITE AND SOCIAL MEDIA PLATFORMS IN SPONSOR'S SOLE DISCRETION.

  1. DRAWING AND ODDS OF WINNING: Winners will be selected in a random drawing from among all eligible entries received during the Sweepstakes Period. Odds of winning depend on the number of eligible entries received. Drawing will be conducted on or about August 9, 2017, from among all eligible entries received, by a Sponsor representative, whose decisions shall be final and binding on all matters relating to the Sweepstakes.
  1. PRIZES AND APPROXIMATE RETAIL VALUES ("ARVs"):

Grand Prize includes Winner's choice of ONE (1) of the following options:

Option One - The Outdoor TRUEXPERIENCE: a four (4) day/three (3) night trip for two (2) to the Big Cedar Lodge Resort in Ridgedale, Missouri.

Trip includes: Round-trip economy class air transportation for Winner and guest from a major commercial airport near Winner's residence to Springfield, MO; full-size car rental for the duration of trip; four (4) days/three (3) nights lodging (standard single-room double occupancy) at the Big Cedar Lodge Resort; a guided bass fishing trip for two (2) on Table Rock Lake; a guided fly fishing and adventure pass for two (2) at Dogwood Canyon Nature Park; two (2) passes to the Ancient Ozarks Natural History Museum; a golf cart tour for two (2) of Lost Canyon Cave; a Bass Pro Shops Outdoor Academy shooting experience for two (2); a visit for Winner and guest from Martin Truex Jr. during the trip; and one (1) Bass Pro Shops gift package for Winner valued at $2,500. ARV: $7,000.

Option Two - The Miami TRUEXPERIENCE: a six (6) day/five (5) night trip for two (2) to Miami, FL.

Trip includes: Round-trip economy class air transportation for Winner and guest from a major commercial airport near Winner's residence to Charlotte, NC; private air charter from Charlotte, NC to Miami, FL; economy class air transportation for Winner and guest from Miami, FL to commercial airport near Winner's residence; full-size car rental for the duration of trip; six (6) days/five (5) nights hotel accommodations (standard single-room double occupancy) in a hotel of Sponsor's choice; one (1) one-hour spa package for Winner and Guest; a private helicopter ride to the race for Winner and guest (Nov. 19, 2017); VIP passes for two (2) to the race; lunch at the race for Winner and guest with Martin Truex Jr.; Auto-Owners #78 team apparel, photos, and autographs for Winner. ARV: $11,000.

Option Three - The Phoenix TRUEXPERIENCE: a six (6) day/five (5) night trip for two (2) to Phoenix, AZ.

Trip includes: Round-trip economy class air transportation for Winner and guest from a major commercial airport near Winner's residence to Charlotte, NC; private air charter from Charlotte, NC to Phoenix, AZ; economy class air transportation for Winner and guest from Phoenix, AZ to commercial airport near Winner's residence; full-size car rental for the duration of trip; six (6) days/five (5) nights hotel accommodations (standard single-room double occupancy) in a hotel of Sponsor's choice; one (1) one-hour spa package for Winner and Guest; VIP passes for two (2) to the race (Nov. 12, 2017); lunch at the race for Winner and guest with Martin Truex Jr.; Auto-Owners #78 team apparel, photos, and autographs for Winner. ARV: $7,500.

Martin Truex Jr. participation is subject to availability and professional commitments. In the event that Martin Truex Jr. is not available for any reason, the prize will consist of the above prize elements, except for the Martin Truex Jr. visit or attending lunch, and no substitute prize will be awarded.

Fifty (50) First Prizes: An Auto-Owners Insurance #78 Team Die-Cast Car by Lionel Racing (1:24) autographed by Martin Truex Jr. ARV: $69.99 each.

One Hundred Fifty (150) Second Prizes: An Auto-Owners Insurance #78 Team Prize Pack which includes a t-shirt (size Large) and a hat. ARV: $59.98 each.

Two Hundred Fifty (250) Third Prizes: A Toyota Racing Prize Pack which includes a Toyota Racing NASCAR Delphi Cap, a Thermos Hydration Bottle, and a Paddle Bottle Opener. ARV: $46.40 each.

Total maximum value ARV of all prizes in the Sweepstakes: $35,096.50.

PRIZE RESTRICTIONS: Limit one (1) prize per person/household. Prizes are non-transferable and no cash redemption or prize substitution permitted, except at the sole discretion of the Sponsor. If any prize, or any portion thereof, cannot be awarded for any reason, the Sponsor reserves the right in its sole discretion to substitute the prize (or a portion thereof) in whole or in part with a prize of equal or greater value. All costs and expenses associated with prize acceptance and use not specifically provided herein are the responsibility of the winner.

For Grand Prize: Actual value of Grand Prize may vary depending on Winner's point of travel origin, airfare, and hotel fluctuations. Any difference between the stated ARV and actual value will not be awarded. Airport, airline, and hotel accommodations will be determined by the Sponsor.

If Winner is unable to travel on the dates designated by the Sponsor the Grand Prize may be forfeited and an alternate Winner may be selected, in Sponsor's sole discretion if time permits:

Option One - The Outdoor TRUEXPERIENCE - dates of this trip option will be coordinated with the Winner, but shall be ultimately designated by the Sponsor.

Option Two - The Miami TRUEXPERIENCE - currently expected to be 11/15/17 through 11/20/17.

Option Three - The Phoenix TRUEXPERIENCE - currently expected to be 11/08/17 through 11/13/17.

Winner will be required to provide a credit card at time of hotel/lodging check-in/car rental pick up to cover hotel/lodging and car rental incidentals. If in the judgment of the Sponsor, air travel is not required due to the Winner's proximity to destination, or if the Winner has decided to drive, the Winner may receive ground transportation to the destination in lieu of air transportation, or the Winner may be reimbursed for gasoline purchased, with receipts, for the drive to and from the Event if the Winner drives his or her own vehicle, all as determined in Sponsor's sole discretion.

Winner's Guest must be eighteen (18) years of age or older at the time of verification. Winner and Guest must travel on the same itinerary on the travel dates scheduled, comply with all security requirements for travel and are solely responsible for obtaining all necessary travel documents prior to departure date for travel (e.g., a valid U.S. driver's license). Winner and Guest are responsible for obtaining travel insurance (and all other forms of insurance) at their option and hereby acknowledge that Sponsor has not nor will obtain or provide travel insurance or any other form of insurance. Winner and Guest must sign and return a release of liability/publicity before travel is booked.

Once Guest is selected, he/she may not be substituted. Travel arrangements are subject to availability and must be round trip. Flight itinerary may include one or more stops and/or layovers. All airfare, luggage fees, hotel, meals, ground transportation, gratuities, excursions fees, alcoholic beverages, and any other incidental costs or other expenses associated with the Grand Prize and not specifically set forth herein are the sole responsibility of Winner and Guest. Airline tickets are non-refundable/non-transferable and are not valid for upgrades and/or frequent flyer miles. Airline tickets are subject to flight variations, work stoppages, and schedule or route changes. Sponsor shall not be responsible for any cancellations, delays, diversions or substitution or any act or omission whatsoever by the air carriers, hotels, transportation companies, prize providers or any other persons providing any Grand Prize related services or accommodations. No refund or compensation will be made in the event of the cancellation or delay of any flight. Sponsor shall not be liable for any loss or damage to baggage. Additional Grand Prize details and travel information to be provided to the Winner at the time of notification. Lost, stolen, or damaged airline tickets will not be replaced or exchanged.

In the event Martin Truex Jr. needs to postpone/reschedule or otherwise cancel, no compensation or substitution for such portion of the Grand Prize will be provided; however, the remainder of Grand Prize will be awarded and Sponsor will not have any further obligation to the winner. Seat locations at any race shall be determined in the sole discretion of Sponsor. In the event the race(s) needs to be postponed/rescheduled or otherwise canceled, no compensation or substitution for such portion of the Grand Prize will be provided; however, the remainder of Grand Prize will be awarded and Sponsor will not have any further obligation to the Winner. All Grand Prize details are at Sponsor's sole discretion. Sponsor and/or its prize providers have the right, at their sole discretion, to disqualify and remove the Winner and/or Guest from any activity at any time without compensation if the Winner and/or Guest's behavior at any point is uncooperative, disruptive, or may or does cause damage to person, property, or the reputation of Sponsor, or their prize providers, and in such a case, Winner will still be solely responsible for all taxes and other expenses relating to the Grand Prize. Sponsor shall not be responsible for any damage to property (including hotel or travel accommodations arranged by the Sponsor) caused by the Winner and/or Guest's behavior. Winner and Guest participation in any or all activities on the Grand Prize trip is voluntary.

  1. WINNER NOTIFICATION AND PRIZE CLAIM: Winners are subject to verification, including verification of age. Potential winners will be contacted via email; via private message on Facebook or Twitter; or via comment on the potential winner's post on Instagram depending on the method of entry. It is the winners' responsibility to timely set account settings to accept contacts by Sponsor and to timely check their account for such messages. Potential winners will be contacted on or about August 10, 2017, and will be required to respond within forty-eight (48) hours with the information requested. If any winner does not respond to a notification within forty-eight (48) hours of first notification attempt, prize may be forfeited and an alternate winner may be contacted. Potential winners may be required to demonstrate ownership of the relevant social media account and/or entry, in Sponsor's sole discretion.

Grand Prize: Upon Sponsor's receipt of the potential Winner's return phone call or email, he or she will be sent via traceable mail/email an Affidavit of Eligibility/Liability Release, and where lawful, a Publicity Release, Guest Release, and an IRS W-9 tax form, and will be required to complete, sign, have notarized, and return required documents via traceable mail/email within five (5) calendar days. Sponsor must receive potential Winner's and his or her Guest's documents for fulfillment of Grand Prize. Sponsor is not responsible for any change of mailing address, email address, and/or telephone number of entrants. If a prize notification or Grand Prize is unclaimed, or returned as undeliverable; if any prize correspondence is not returned within the required time period; if potential Winner declines the Grand Prize for any reason; or if potential Winner is found not to be eligible or in non-compliance with these Official Rules, such potential Winner will forfeit the Grand Prize.

Sponsor reserves the right to conduct a background check on the potential Winner and Guest using all legal means and all publicly available information, including but not limited to civil and criminal records, and the potential Winner and Guest will be required to consent in writing to such a background check. Sponsor reserves the right to disqualify any potential Winner and/or Guest who has been convicted of a felony or any crime of moral turpitude, which would reflect negatively upon Sponsor by Sponsor's association with such person.

Taxes: The Grand Prize Winner is solely responsible for any taxes on the Grand Prize, and will be issued an IRS Form 1099 reporting the value of the Grand Prize. The potential Grand Prize Winner will be required to complete a W-9 Tax Form and will be required to furnish his or her social security number for the sole purpose of preparation of any tax forms as required by law.

All Other Prizes: Prizes will be shipped to the addresses provided during notification within 4-6 weeks after the end of the Sweepstakes Period. Winners are solely responsible for any taxes on the prize.

  1. 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 FROM ANY SUCH INDIVIDUAL TO THE FULLEST EXTENT PERMITTED BY LAW INCLUDING CRIMINAL PROSECUTION. If the Sweepstakes 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, Sponsor reserves the right, at its sole discretion, to disqualify any individual who is responsible or who tampers with the entry process, and to cancel, modify, or terminate the Sweepstakes. In the event of cancellation, Sponsor will randomly award the prizes in a drawing from among all eligible, non-suspect entries received prior to cancellation. 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.
  1. LIMITATIONS OF LIABILITY AND RELEASE: No liability or responsibility is assumed by Sponsor or Sweepstakes Parties, Facebook, Inc., Twitter, or Instagram (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 the Sponsor or Sweepstakes Parties 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 any website in whole or in part for any reason; traffic congestion on the Internet or any 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. Sponsor is not responsible for any typographical errors in the announcement of the prize or these Official Rules, or any inaccurate or incorrect data contained on promotional materials or on a website. Use of any websites is at the 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 resulting from participation in the Sweepstakes, use of any website or the download of any information from any 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 Sponsor, Sweepstakes Parties, Facebook, Inc., Twitter, and Instagram 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, including any traveling related thereto.

  1. BINDING ARBITRATION: Any controversy or claim arising out of or relating to the Sweepstakes shall be settled by binding arbitration in a location determined by the arbitrator as set forth herein (provided that such location is reasonably convenient for claimant), or at such other location as may be mutually agreed upon by the parties, in accordance with the procedural rules for commercial disputes set forth in the Comprehensive Arbitration Rules and Procedures of JAMS ("JAMS Rules and Procedures") then prevailing, and judgment upon the award rendered by the arbitrator(s) may be entered in any court having jurisdiction thereof. The arbitrator shall be selected pursuant to the JAMS Rules and Procedures. The arbitrator shall apply Michigan law consistent with the Federal Arbitration Act and applicable statutes of limitations, and shall honor claims of privilege recognized at law. In the event that the claimant is able to demonstrate that the costs of arbitration will be prohibitive as compared to the costs of litigation, Sponsor will pay as much of the claimant's filing and hearing fees in connection with the arbitration as the arbitrator deems necessary to prevent the arbitration from being cost-prohibitive. If any part of this arbitration provision is deemed to be invalid, unenforceable or illegal (other than that claims will not be arbitrated on a class or representative basis), or otherwise conflicts with the rules and procedures established by JAMS, then the balance of this arbitration provision shall remain in effect and shall be construed in accordance with its terms as if the invalid, unenforceable, illegal or conflicting provision were not contained herein. If, however, the portion that is deemed invalid, unenforceable or illegal is that claims will not be arbitrated on a class or representative basis, then the entirety of this arbitration provision shall be null and void, and neither claimant nor Sponsor shall be entitled to arbitrate their dispute. Upon filing a demand for arbitration, all parties to such arbitration shall have the right of discovery, which discovery shall be completed within sixty days after the demand for arbitration is made, unless further extended by mutual agreement of the parties. THE ARBITRATION OF DISPUTES PURSUANT TO THIS PARAGRAPH SHALL BE IN THE ENTRANT'S INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING. THE ARBITRATOR MAY NOT CONSOLIDATE OR JOIN THE CLAIMS OF OTHER PERSONS OR PARTIES WHO MAY BE SIMILARLY SITUATED. DO NOT ENTER THIS SWEEPSTAKES IF YOU DO NOT AGREE TO HAVE ANY CLAIM OR CONTROVERSY ARBITRATED IN ACCORDANCE WITH THESE OFFICIAL RULES.

BY PARTICIPATING IN THIS SWEEPSTAKES, EACH ENTRANT AGREES THAT TO THE EXTENT PERMITTED BY APPLICABLE LAW: (1) ANY AND ALL DISPUTES, CLAIMS AND CAUSES OF ACTION ARISING OUT OF OR CONNECTED WITH THE SWEEPSTAKES, OR ANY PRIZE AWARDED, WILL BE RESOLVED INDIVIDUALLY THROUGH BINDING ARBITRATION AS SET FORTH ABOVE, WITHOUT RESORT TO ANY FORM OF CLASS ACTION; (2) ANY AND ALL CLAIMS, JUDGMENTS AND AWARDS WILL BE LIMITED TO ACTUAL THIRD-PARTY, OUT-OF-POCKET COSTS INCURRED (IF ANY), BUT IN NO EVENT WILL ATTORNEYS' FEES BE AWARDED OR RECOVERABLE; (3) UNDER NO CIRCUMSTANCES WILL ANY ENTRANT BE PERMITTED TO OBTAIN ANY AWARD FOR, AND ENTRANT HEREBY KNOWINGLY AND EXPRESSLY WAIVES ALL RIGHTS TO SEEK, PUNITIVE, INCIDENTAL, CONSEQUENTIAL OR SPECIAL DAMAGES, LOST PROFITS AND/OR ANY OTHER DAMAGES, OTHER THAN ACTUAL OUT OF POCKET EXPENSES), AND/OR ANY RIGHTS TO HAVE DAMAGES MULTIPLIED OR OTHERWISE INCREASED; AND (4) ENTRANT'S REMEDIES ARE LIMITED TO A CLAIM FOR MONEY DAMAGES (IF ANY) AND ENTRANT IRREVOCABLY WAIVES ANY RIGHT TO SEEK INJUNCTIVE OR EQUITABLE RELIEF. SOME JURISDICTIONS DO NOT ALLOW THE LIMITATIONS OR EXCLUSION OF LIABILITY, SO THE ABOVE MAY NOT APPLY TO EVERY ENTRANT.

  1. PUBLICITY: Except in Tennessee, and 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 and all media (including posting on Sponsor's web site) now known or hereinafter invented without territorial or time limitations and without further notice to and without additional compensation. If you are selected as a winner, your information may also be included in a publicly-available winners list.

  1. GOVERNING LAW & JURISDICTION: 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 State of Michigan, without giving effect to any choice of law or conflict of law rules thereof, and any matters or proceedings which are not subject to arbitration as set forth in Section 10 of these Official Rules shall be resolved exclusively in the federal, state, and local courts located in Ingham County, Michigan. 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.

  1. WINNERS LIST: For a list of the winners, visit www.autoownerstruexperience.com, on which the names of the winners will be posted for 30 days after winner verification.

  1. SPONSOR: Auto-Owners Insurance Company, 6101 Anacapri Blvd. Lansing, MI 48917.