How To Enter : Visit http://flagstar.promo.eprize.com/banksmartwinsmart/ and follow the instructions

Eligibility : Bank Smart Win Smart (the “Promotion”) is open only to legal residents of Georgia, Indiana, and Michigan who are at least eighteen (18) years old at the time of entry. Void outside of Georgia, Indiana, and Michigan and where prohibited.

Timing : The Promotion begins on August 9, 2010 at 12:00 a.m. Eastern Time (“ET”) and ends on November 9, 2010 11:59 p.m. ET (the “Promotion Period”).

Limit : Each participant may enter/play one (1) time per day during the Promotion Period.

Prize (s):

ONE (1) GRAND PRIZE: An all-new 2010 or 2011 Smart Car.Approximate Retail Value (“ARV”): $15,000.

eDecoder Game Prizes: ONE HUNDRED (100) FIRST PRIZES: A $50 Flagstar Bank, FSB logo Visa gift card. ARV: $50.

Total ARV of all prizes: $20,000

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