General Rules for the Free Prize Draw

1.Participants

You must be a [UK, Isle of Man or Channel Islands] resident, be over 18 years of age and either be a student in full or part time education, a graduate or a professional. Our decision as to the eligibility of a person in accordance with these criteria shall be final. ("Valid Entry").

2.How to enter

You are eligible to enter provided you fill in the [questionnaire] and provide us with your contact details.

3.Conduct of the Draw

This is a free prize draw. The draw will take place on [date] or on an alternative date, (which we may decide at our discretion but which we will announce on this Website prior to such draw taking place). There shall only be one prize and one winner and we will publish the details of the winner on the Website following the prize draw. All valid entries will be collated and will compete for the prize. The winner will be the first valid entry drawn at random on the date the draw is conducted. The prize claim must be made in accordance with Rule 4 below. The Judge's decision is final.

4.The Prize

We will pay the winner's [overdraft] up to a limit of [3000] in pounds sterling. The winner's notification will be despatched [a Cheque or BACS] within 30 days of the draw. The prize is awarded conditionally upon the acceptance by the winner. If the prize is unclaimed within [ 30 ] days it shall lapse and we shall carry out the draw a further time on the same basis as set out in these Rules.

5.Responsibility

This is a free draw and we do not accept any liability for any losses caused in relation to this Prize Draw.

6.Our rights

We may substitute a prize deemed to be an appropriate replacement and of equal or greater value in place of the prize.

7.Law

The Rules are governed and interpreted under English law. The parties submit to the exclusive jurisdiction of the English courts.