OFFICIAL REGULATION OF THE PROMOTION CAMPAIGN OF VIG - BCR LIFE INSURANCE – BRAND OF THE ACCIDENT INSURANCE PRODUCTS FOR PEOPLE, DISTRIBUTED VIA THE RETAIL BROKERS (hereinafter referred to as the “Regulation”)

Section 1 – Campaign Organizer

1.1 The organizer of the promotional campaign is BCR Asigurari de Viata Vienna Insurance Group SA, with the registered office in Bucharest, 21, Rabat St., 2nd, 3rd and 4th floor, 1st District, registered with the Trade Register under no. J40/ 17847/2005, Sole Registration Code 18066920, joint-stock company, two-tier corporate model, with a subscribed and paid up share capital amounting to LEI 150,856,300, registered in the Register of Insurers under no. RA_055/November 28th, 2005 and as personal data Operator no. 48222 (hereinafter referred to as the “Organizer”)

1.2 The promotional campaign hereinafter referred to as the “Campaign” shall take place subject to the provisions of this Regulation that is mandatory for all participants.

1.3. The goal of the Campaign is represented by the promotion of BCR Asigurari de Viata Vienna Insurance Group SA brand, of the accident insurance products for people among the clients of the following insurance Brokers: Transilvania Broker, Campion Broker, Safety Broker and Inter Broker, (hereinafter referred to as the “Broker”). “Client” is understood as any client or potential client of the Broker.

Section 2 – Campaign duration, development area and participating products/services

2.1 The Campaign shall run throughout the Romanian territory, over the period August 1st, 2016 — January 31st, 2017, being organized as well at the Broker’s offices. Details about the Campaign can be found on the www.bcrasigviata.ro website, according to the mechanism thereof (item 3 in this Regulation).

2.2 In the event the Organizer decides to shorten/extend this campaign, this shall be notified to the participants by the publication of the information on the www.bcrasigviata.ro website and by display at the Broker’s offices, at least 2 days before the enforcement of the amendments.

2.3. The participants in the campaign are all the clients filling in the raffle participating card from the brokers’ offices.

2.4. The official regulation of development of the Campaign is available free of charge to any applicant both at the Broker’s office and on the www.bcrasigviata.ro website.

2.5 For details in the Campaign, the participants can request free of charge to consult the Regulation, as follows: a) addressing the insurance Broker b) accessing the portal of the Organizer - www.bcrasigviata.ro, at the e-mail address: clienti@bcrasigviata.ro or at the telephone number +4021 206 90 40 callable at regular rate from any national or international network, over the interval 09;00 a.m. - 5:30 p.m. Monday to Friday, except for the statutory holidays.

Section 3 – Participation right. Mechanism of the Campaign

3.1 All the individual clients that shall cumulatively meet the following conditions can participate in the Campaign:

a) correctly and fully fill in all the pieces of information on the raffle card: telephone number, e-mail address, last name/first name, Personal Identification Number /policy number;

b) have turned the age of 18 by the campaign starting date, but they are not older than 74, according to the terms in the insurance policy;

c) have the domicile or residence on the Romanian territory;

d) comply with the conditions in this Regulation;

e) they did not refuse to receive from the Organizer the marketing correspondence or other notifications of a promotional nature:

3.2 The participation in the Campaign in free of charge.

3.3 If the client participating in the raffle wins one of the 10 monthly prizes (described in art. 4.1) and purchases an accident policy for people from BCR Asigurari de Viata VIG during the raffle period, then the prize doubles (reaching lei 300). At the same time, they are automatically registered for the raffle for the big prize at the end of the contest: one city break for 2 people, consisting in travel vouchers in total amount of lei 6,500 (net value).

3.4 The individual or legal entity brokerage assistants having a mandate agreement with the Broker or being employees of the Organizer cannot participate in the campaign.
 

Section 4 – Prize Description

4.1 The prizes of the Campaign consist in 10 monthly prizes granted by gift vouchers amounting to lei 150 each. Only for the clients participating in the raffle and also an accident policy for people from BCR Asigurari de Viata Vienna Insurance Group SA, the value of the prize doubles (lei 300 in gift vouchers), being at the same time automatically registered for the raffle at the end of the contest for the big prize: one city break for 2 people, consisting in travel vouchers in total amount of lei 6,500 (net value).

4.2 The prizes shall be conferred on a monthly basis to the first ten winners selected by electronic drawing of lots, subject to the fulfillment of the conditions indicated in item 3 and to the compliance with the provisions of this Regulation.

4.3. For the big prize, “City break for 2” consisting in travel vouchers in total amount of lei 6,500 (net value), all the clients having filled in a raffle card and having purchased an accident insurance policy for people from BCR Asigurari de Viata Vienna Insurance Group SA over the period of the campaign shall participate in the drawing of lots.

 
Section 5 – Drawing of Lots. Prize Awarding

5.1 The manner chosen by the Organized for the designation of the winners of the prizes awarded in this Campaign is the electronic drawing of lots and that shall be randomly made.

5.2 The electronic drawing of lots shall be made on a monthly basis and all the clients having filled in a raffle card in the mentioned month and cumulatively meeting the conditions in Section 3 shall participate. Furthermore, there shall be a drawing of lots for the big prize at the end of the campaign, where all the clients having procured a card and an accident insurance policy for people, over the period of the campaign, participate.

5.3 The drawing of lots is compliant with Romanian the laws and regulations and it shall take place on a monthly basis, by the 30th of the month following the one of registration of the participants, at the Organizer’s head office in Bucharest, 21, Rabat St., 1st District, in the presence of a board made up of representatives of the Organizer.

5.4 10 winners and 20 back-ups shall be extracted on each drawing of lots.

5.5. The Organizer undertakes to contact by telephone the winners at the drawing of lots, within 15 business days of the drawing date, for the announcement of the won prize and of the manner in which they will gain possession of the prize. This term can be extended in situations beyond the Organizer’s diligences. The winner can respond that they have accepted/refused the prize. In the event the winner cannot be contacted after 3 phone calls, for various reasons (e.g. missing telephone number, invalid telephone number or incorrectly entered in the application, they could not be reached etc.) or they refuse the awarded prize, the back-up winners shall be called, in order. The telephone contact can be established at the available telephone number indicated on raffle card.

5.6 In order to gain possession of the prize, the winner should provide evidence of the identity, by the presentation of an identity paper (identity card/passport) and sign the prize delivery-receipt protocol. The prize is sent by post /courier with acknowledgement of receipt and the signing of a delivery-receipt protocol or it can be picked up by the winner between 9:00 a.m. and 5:00 p.m., Monday to Friday, from the Organizer’s head office in Bucharest, 21, Rabat St., 1st District, Bucharest.

5.7 The prize that cannot be awarded following the drawing of lots for various reasons shall remain at the disposal of the Organizer. The prize that cannot be awarded following the drawing of lots for various reasons shall remain at the disposal of the Organizer by March 1st, 2017, following which it shall be annulled.

5.8 One participant in the Campaign can win a single prize consisting in a voucher amounting to lei 150, respectively lei 300 in the case of the clients having also purchased an accident insurance policy for people. The right over the prize cannot be transferred to another person.

5.9. The Organizer shall made public, on its own website, www.bcrasigviata.ro, the winners’ names and the awarded gains, only if the conditions in art. 9.4 are met.

Section 6 – Afferent Fees and Taxes

6.1 The Organizer undertakes to calculate, retain and transfer the tax owed for the prizes obtained by the winners, in compliance with the provisions of the Tax Code of 2015, in force as of January 1st, 2016, Title IV Income Tax, Chapter VIII “Incomes from Prizes and Gambling”.

6.2 Any other obligations of a fiscal nature or of any other nature related thereto are exclusively incumbent upon the winner. As of the prize transfer date, all the legal expenses afferent thereto are incumbent upon the owner.

Section 7 – Applicable Law. Disputes

7.1 The eventual disagreements occurred between the Organizer and the participants in the Campaign shall be amicably settled and, in the event this is not possible, the disputes shall be settled by the relevant law courts at the Organizer’s head office.

7.2 The applicable law is the Romanian law.

7.3 The eventual complaints related to the development of the Campaign shall be sent to the Organizer at the address of the registered office thereof: Bucharest, 21, Rabat St., 2nd, 3rd and 4th floor, 1st District, or to the e-mail address: clientibcrasioviataso.

Section 8 – Campaign Interruption and Termination

8.1 It shall be possible for the Campaign to be early interrupted or terminated only in case of force majeure and/or Act of God (as these are defined by the Civil Code) or by a decision of the Organizer. In case of occurrence of either of these cases, the Organizer shall notify the participants on the Organizer’s portal (bcrasigviata.ro) or by display at the Broker’s offices.

8.2 The judgments of the law courts, as well as the deeds of relevant public authorities are also comprised in the situations envisaged in item 8.1.

8.3 For the situations envisaged in item 8.1 and item. 8.2, the Organizer no longer has any obligation towards the participant -IVOToitT the return of any money amount as indemnification or other such claims.

Section 9 – Personal Data Processing

9.1 The rights in compliance with Law no. 677/2001 (for the protection of individuals with regard to the processing of personal data and the free movement of such data) are guaranteed to all the participants in the Campaign, rights from among which we note: the right to information (art.12), the right of access to data (art.13), the right of intervention over the data (art.14), the right of opposition (art. 15), the right of not being subject to the individual decision (art.17) and the right of going to Court (art.18).

9.2 The personal data of the participants in the Campaign shall be entered in the database of BCR Asigurari de Viata Vienna Insurance Group SA. The purposes for the establishment thereof are: the designation of the winners of this Campaign, the elaboration of statistic reports on the clients, the products and services of BCR Asigurari de Viata Vienna Insurance Group SA, the information thereof, by various means of communication (mail, e-mail, telephone, text message or any other means of communication) about this Campaign or other future actions.

9.3 Each participant in the Campaign agrees on the use of the personal data thereof by the Organizer for marketing purposes and is entitled to request the exclusion from the Organizer’s database, addressing a written request to the Organizer at the following address: BCR Asigurari de Viata Vienna Insurance Group SA, Bucharest, 21, Rabat St1st District, Bucharest.

9.4 The winner’s surname, first name and prize shall be published on the Organizer’s portal (www.bcrasiciviata.ro ), after having previously obtained the winner’s express an d unequivocal consent in this respect.

9.5 Upon the participants’ request, addressed in writing to the Organizer, the recipient of the letter undertakes:

a) to confirm to the application whether they process the personal data thereof or not, free of charge;

b) to rectify, update, block, delete or turn into anonymous data, free of charge, the data the processing whereof is not compliant with the provisions of Law no. 677/2001;

c) to stop, free of charge, the processing of the applicant’s personal data.

9.6 The Organizer processes personal data in compliance with Law no. 677/2001, as personal data operator, subject to notification 4822, sent to the National Supervisory Authority for Personal Data Processing. The personal data collected within this Campaign shall not be disclosed to third parties, except for the cases where the Organizer should comply with the obligations imposed by the applicable legislation and the enforcement of this Regulation.
Section 10 – Other Provisions of the Regulation

10.1 By the participation in this Campaign, the participants unconditionally and irrevocable agree upon and accept the provisions of this Regulation. Should the Organizer ascertain the non-fulfillment of and/or the non-compliance with the conditions stipulated by this Regulation, it reserves its right to suspend at any moment the rights and benefits devolving upon the winner, without other compensations or payments.

10.2 The Organizer reserves its right to amend the Regulation, these amendments coming into force after the prior notification of the participants on the Organizer’s portal (www.bcrasigviata.ro) and by display at the Broker’s officer. The announcement shall be made by the Organizer at least 2 days before the enforcement of the amendments.