New Jersey Statutes Title 17. Corporations and Institutions for Finance and Insurance 17 § 12B-112.1

(1) conducts the promotion in a manner so as to ensure that each entry has an equal chance of winning the designated prize;

(2) fully discloses the terms and conditions of the promotion to each of its account holders;

(3) maintains records sufficient to facilitate an audit of the promotion;

(4) ensures that only account holders 18 years of age and older are permitted to participate in the promotion;

(5) does not require any consideration, other than the requirement that the participant deposit money into a savings account or other savings program to obtain entries in the promotion, to participate in the promotion; and

(6) offers an interest rate and charges fees on any qualifying account that are approximately the same as those on a comparable non-qualifying account.