Win a year off your mortgage!

Entry is open to all residents of Australia who are 18 years of age or over. However, employees and their immediate families of Network TEN, Salmat Digital Pty Limited, NAB and their associated agencies and companies are not eligible to enter.
The competition commences on Monday 27th January 2014 at 06:30(AEDT) and concludes on Friday 31st January 2014 at 08:30 (AEDT).
The competition will be advertised on, but not limited to, www.tenplay.com.au/wakeup
This competition will have two phases and is completely a game of skill where chance
plays no part in determining the winner.
Phase 1: To enter, participants must log onto www.tenplay.com.au and register their details including (but not limited to) name, address, phone number and e-mail address. They must also provide a caption in 10 words or less to a photo which appeared on Wake Up that same day. Entries for phase 1 must be received between Monday 27th January 2014 06:30 (AEDT) and Wednesday 29th January 2014 11:00 (AEDT). A new photo will be uploaded on the website at 06:30 (AEDT) each day to match the photo shown on Wake Up. Participants can make multiple entries.
Phase 2: Two entrants from phase two will be selected by a panel of judges from 12:00 on 29th January 2014 and deemed the finalists for phase two. The finalists will be the Entrants who, in the sole opinion of the judges, has submitted the most creative and original caption in response to the photo in Phase 1. The finalists will compete against each other to have the most guests in their home at 08:00 (AEDT) on Friday 31st January 2014 as counted by a Network Ten reporter. The count does not include Network Ten employees and contractors.
One (1) major prize winner will win either:
a. if the customer has an existing UBank home loan as of 31 January 2014:
principal and interest repayments for their UBank home loan paid for 12 months (from April 2014 in accordance with the winner’s regular home loan repayment schedule) up to AU$40,000, where repayments will be made directly into the winner’s UHomeLoan account (“UBank Home Loan Major Prize”); or
b. if the customer has a home loan with another Australian lender and applies and is approved to refinance that loan to UBank and has refinanced by 5 April 2014: subject to clause 16, principal and interest repayments for their UBank home loan paid for 12 months (from the date falling two months after the date of settlement of their UHomeLoan, or such other date as agreed by the winner and UBank, in accordance with the winners regular home loan repayment schedule) up to AU$40,000, where repayments will be made directly into the winner’s UHomeLoan account (“Refinance Major Prize”); or
c. in all other cases, a prize of AU$15,000 paid into a USaver Account (the “Alternative Major Prize”).