RealTime Fantasy Sports' High Stakes Fantasy Football ("the Contest") is a traditional fantasy football game where you can join a public league. Leagues feature Head to Head play in 3 divisions with 4 teams each where the 3 division winners and one wildcard team make the league playoffs. Leagues are for high stakes, but are open to all players of all skill levels. The rules for this Contest are explained below.

If you are looking for a league where you can customize the rules to your liking, try RealTime Fantasy Sports' Full Season Commissioner Service product.

RealTime Fantasy Sports will serve as the commissioner for all fantasy football leagues and will be responsible for resolving any disputes that arise, such as dropping free agents as hidden trades or rules violations or any other matters that may come up in connection with the Contest. All commissioner decisions by RealTime Fantasy Sports are final.

Sign Up

You may sign up and play the Contest up until the registration deadline of September 7, 2013. You may play "High Stakes Fantasy Football" at any of three levels $124.95, $249.95, $499.95 or $999.95 per team. As part of the Official Rules, all dollar amounts are in US Dollars (USD). You may register and play as many teams as you like. You may not however have more than one team in any league. If you do register more than one team, each team must be in a different league. To be prize eligible you may not own more than one team per league per household.

Eligibility

RealTime Fantasy Sports' "High Stakes Fantasy Football" is open to:

• Legal residents of one of the fifty (50) United States (excluding residents of Arizona, Iowa, Louisiana, Montana, Washington and Vermont) or legal residents of Washington D.C. and Canada (excluding Quebec).
• Puerto Rico is expressly excluded.
• All participants must be at least eighteen (18) years of age or older (except in Alabama and Nebraska where you must be nineteen (19) years of age or older) at the date of registration in the Contest.
• Employees and immediate family members of RealTime Fantasy Sports, its sponsors, affiliates, subsidiaries, advertising and promotional agencies are not eligible to win prizes.
• Void where prohibited.

Joining Deadline

You'll be able to sign up and join a league no later than 11:59 PM ET on September 7, 2013. All leagues are required to have 12 participants, or team "owners." Each league's season will start with the first week of the NFL season.

Refund Policy

After you sign up for the Contest, you may request a full refund of the purchase price up until your league is filled and the draft order is set. After the draft order is set you may not receive a refund. Once the draft order is set all sales are final. Honoring refund requests will be subject to the sole discretion of RealTime Fantasy Sports.

Once you join a fantasy league you will have the option to switch to another league up until the league is filled and the draft order is set or up until 30 minutes prior to the scheduled draft time. After the draft order is set or if it is less than 30 minutes before the scheduled draft time you will not be allowed to switch to another league.

After the required 12th team has joined the league, the league will be locked in and the draft order will be randomly generated. The draft order is a random order of all teams that have joined the league and is not effected by when teams join the league. Once the draft order is set all teams will be notified via email the league is locked in and the draft order has been generated. If your league does not have the required 12 teams, the league will be disbanded prior to the scheduled draft date and time. If your league is disbanded you will be able to join another league or create a new league. RealTime Fantasy Sports reserves the right to move the scheduled draft time back up to 1 hour to give the league sufficient time to fill with the required 12 teams.

The draft will be an S-style draft with the team picking last in the first round picking first in the second round and so on. For example,

• Round 1: Team1, Team2, Team3, Team4, Team5, Team6, Team7, Team8, Team9, Team10, Team11, Team12
• Round 2: Team12, Team11, Team10, Team9, Team8, Team7, Team6, Team5, Team4, Team3, Team2, Team1
• Round 3: Team1, Team2, Team3, Team4, Team5, Team6, Team7, Team8, Team9, Team10, Team11, Team12
• Round 4: Team12, Team11, Team10, Team9, Team8, Team7, Team6, Team5, Team4, Team3, Team2, Team1

If the league is designated to have a "slow" draft, each team will have 8 hours to draft a player and the clock will be paused every night from 1:00 am ET until 9:00 am ET. In addition, an email notification will be sent to all team owners after each pick (this can be adjusted by team owners so they only receive notification when they are up). The expanded pick time in a "slow" draft is intended to be a fail safe to keep the draft going in case an owner can't get to their computer or forgets about the draft, etc. RealTime Fantasy Sports reserves the right to reduce the draft time for each team in the final week before the start of the first game of the season.

In normal drafts each team will have 120 seconds per pick to draft a player. There will be 16 rounds to your draft.

After you join or fantasy football league, you will have the opportunity to establish your own auto draft list of players.

It is recommended that prior to your draft, you customize your auto draft list to rank the players by your preferences. You may customize your draft auto draft list at anytime up to and even during your draft. If you do not customize your auto draft list, the auto draft list for the draft will be the player rankings from RealTime Fantasy Sports' free draft guide as they are listed at the time of your draft.

During the live draft your auto draft list will be used as a fail-safe backup in case your time limit expires before you make a pick. In the event you should fail to make a pick in the time allowed for your pick, RealTime Fantasy Sports will automatically draft a player for you. The player will be the top ranked player on your auto draft list. Players drafted automatically will be selected from your auto draft list in a manner that will fill out your team's starting lineup before the end of the draft.

Leagues designated "Auction" will use a live bidding auction style draft to establish initial team rosters. Each team will have a "budget" of $200.

After the required 10th team has joined the league, the league will be locked in and the auction nomination order will be randomly generated. At this time all teams will be notified via email the league is locked and the auction nomination order has been randomly generated. If your league does not have the required 10 teams, the league will be disbanded prior to the scheduled auction date and time. If your league is disbanded you will be able to join another league or create a new league. RealTime Fantasy Sports reserves the right to move the scheduled auction time back up to 1 hour to give the league sufficient time to fill with the required 10 teams.

When the auction begins, each team, in nomination order, will have 30 seconds to nominate the next player for bidding. Once a player has been nominated all team owners will have 20 seconds to submit bids for the nominated player. All bids will be shown to all teams. Team owners may submit unlimited bids on any player as long as each bid is at least $1 more than the current highest bid. If a new highest bid is received in the last 8 seconds of the auction, the auction clock for the player will be reset to 12 seconds to allow all teams a chance to submit a higher bid. Once the auction clock for the player expires, the player will be awarded to the team with the highest bid.

Bids will be honored if received by system computers before the expiration of the auction countdown clock. It takes time for a team owner's computer to transmit bids from their location to the system computers, if a bid is submitted at the last second, it may not be received before the auction countdown clock expires. Bids received after the auction clock expires will not be honored.

During the auction, if the system detects a team owner is not present, the system will automatically submit bids in an attempt to build a roster for the absent team owner.

Team owners may familiarize themselves with the auction room via RealTime Fantasy Sports' free mock drafting. Team owners are encouraged to mock auction before their real auction.

Roster Composition

Each team will consist of a roster of 16 players. Team owners are free to choose the player position mix of the players on their roster. There are no restrictions on the number of players at any position that may be on a team's roster. Owners are not required to have a minimum number of players at any position on their roster. For example an owner could choose not to have a kicker on their roster.

RealTime Fantasy Sports uses the official preseason position designation for each player's position. After September 1st of the current season each player's position designation will locked for the duration of the season. If a player's position is officially changed prior to September 1st, that change will be reflected in the Contest. By acquiring a player, team owners accept the risk of player position change prior to the season. RTFS reserves the right to update a player's position designation at anytime in the event of the player changing NFL teams or other extraordinary circumstances.

Weekly Lineups

The Contest uses a single starting lineup for each team per week. Team owners may change their starting lineups any time between Tuesday morning at 7:00am Eastern and 9:00pm Eastern on Monday of each NFL week. In week 1 of the NFL season, owners may set their starting lineup beginning immediately after their draft up until 9:00pm Eastern on Monday of week 1. Regardless of the deadline for setting a team's starting lineup a player cannot be promoted to a starter or benched after the scheduled kickoff of their game.

Each Team's starting lineup will consist of:

• 9 Total Starters
• 1 Quarterback
• 2 Running Backs
• 1 Flex Running Back / Wide Reciever / Tight End
• 2 Wide Receivers
• 1 Tight End
• 1 Defense/Special Teams
• 1 Kicker

In the interest of competition, between 12:01am and 6:00am on each Sunday and Thursday of the regular season, the system will automatically replace any starter with a bye or has an injury status of "out", or equivalent, on a roster with bench player from that same roster. At the same time the system will automatically fill in any missing starters from a team's lineup, if possible. Additionally, teams will be allowed to submit a starting lineup in the event they do not have a kicker or defense.

Waiver Wire

Free agents will be awarded using a blind bidding system. Each team will receive 2500 blind bidding "dollars" for use in bidding on free agents. Once a team has exhausted their blind bidding dollars they will not be able to acquire additional free agents. Minimum bid on any free agent is one "dollar".

Player requests must be submitted by 11:59pm Eastern each Wednesday for award between midnight and 6:00am Eastern Thursday morning. A second set of player requests must be submitted by 11:59pm Eastern each Friday for award between midnight and 6:00am Eastern Saturday morning.

For leagues drafting before 12:59 om ET Tuesday, September 3, 2013 there will be special Week 1 waiver wires on Wednesday and Friday.

Protected Free Agents

In an effort to prevent collusion or unfair competition, if certain highly productive players or players drafted early are dropped they will become unavailable free agents for the duration of the season. Team owners will be allowed to replace those players, but other team owners will not be allowed to acquire the dropped players as free agents.

Additionally, after NFL week 10 of the season all dropped players will become protected free agents for the duration of the season. Team owners will still be allowed to drop and replace players, but no team owners will be allowed to acquire any dropped players as free agents.

Trading is not permitted in High Stakes Fantasy Football.

All scoring rules apply to all players, regardless of player's position unless otherwise stated.

Rushing:

• 6 points for each touchdown.
• 2 points for each 2-point conversion (QBs, RBs, WRs, TEs, and Ks only).
• 0.1 bonus points each yard.

Passing:

• 4 points for each touchdown.
• 2 points for each 2-point conversion (QBs, RBs, WRs, TEs, and Ks only).
• 0.05 bonus points each yard.
• 1 point deducted for each 1 interception.

Receiving:

• 6 points for each touchdown.
• 2 points for each 2-point conversion (QBs, RBs, WRs, TEs, and Ks only).
• 0.1 bonus points each yard.
• 1 bonus points for each reception.

Kicking:

• 3 points for each successful field goal.
• 1 points for each successful PAT.
• 0.1 bonus points for each additional yard in length, starting with 31 yard scores.

Special Teams:

• 6 points for each kickoff return touchdown (Def/ST and individuals).
• 6 points for each punt return touchdown (Def/ST and individuals).

Defense:

• 6 points for each touchdown.
• 2 points for each safety.
• 5 bonus points for shutout.
• 3 points for 1 to 5 points allowed.
• 1 point for 6 to 10 points allowed.
• 1 bonus point for every sack.
• 2 bonus points for each opponent's fumble recovered.
• 2 bonus points for each interception.

Statistics Reporting

Scores and stats are updated immediately as they are received from our statistics provider (usually about every minute). Some events beyond RTFS' control can make this time longer. Thus, RealTime Fantasy Sports is not responsible for the timeliness and accuracy of the statistics.

Because the statistics are updated "live," some errors may occur. If so, statistical errors are usually corrected by our stats provider during the course of the NFL game, but may take up to 24 hours to be corrected. If an error occurs and is not corrected by our provider, RTFS will correct the stat ourselves, but only if it is overwhelmingly obvious that the stat is in error. If there is any doubt to the validity of the stat, RTFS will maintain the statistic given by its provider.

All stats for a given NFL week are deemed final at noon on Friday of the next week. Even if the NFL changes a stat several weeks later, it will not be changed by RTFS. Nonetheless, RTFS still reserves the right to change any stat at any time for any unforeseen reason.

RealTime Fantasy Sports is not responsible for any inaccuracies, representations, statements, graphics or content of materials that are uploaded onto its servers and website from other vendors, including but not limited to the National Football League, Stats LLC., the Associated Press, and users, members, subscribers, customers or participants.

Regular Season

For all leagues beginning play in NFL week 1, the regular season for the league will last 14 weeks from week 1 to week 14. Each team will play its division opponents twice and non-division opponents once during the regular season. For leagues beginning play after week 1, the regular season will last through week 14. Each team will play its division opponents twice and a random selection of non-division opponents.
In the event that a regular season game ends in a tie, the points scored by each team's starting quarterback will be used to determine which team is declared the winner of the game. Should the starting quarterbacks for each team have the same number of points scored in the game, the game will be declared a tie in the standings.

Playoffs

The playoffs for your league will begin in NFL week 15. The winner of each of the 3 divisions in the league plus one wildcard team will qualify for the playoffs. The division winner will be the team in each division with the best overall win-loss record of the teams in that division. In the event of two or more teams in a single division have the same win-loss record, the tie will be broken using the following criteria, in order:

1. Division Win-Loss Record
2. Total Points Scored in all games played.
3. Head to Head Win-Loss Record against all tied teams
4. Total Points Scored in Head to Head games against all tied teams

The wildcard team will be the team with the most total points scored in all games that is not a division winner. In the event that two or more teams, that are not division winners, are tied for the most total points scored in all games the tie will be broken using the following criteria, in order:

1. Overall Win-Loss Record
2. Division Win-Loss Record
3. Head to Head Win-Loss record against all tied teams
4. Total Points Scored in Head to Head games against all tied teams

In NFL week 15 the 4 teams making the playoffs will play two semi-final games to determine the participants in the league championship game. Teams will be seeded #1 through #4, with the #1 seed playing the #4 seed and the #2 seed playing the #3 seed. The three division winners will be seeded #1 through #3 based on total points scored in the regular season. The wildcard team will always be seeded #4, regardless of points scored. In the event that a semi-final game ends in a tie, the points scored by each team's starting quarterback will be used to determine which team advances to the league championship game. Should the starting quarterbacks for each team have the same number of points scored in the game, the team that scored the most total points during the regular season will advance to the league championship game.

In NFL week 16 the 2 losers from the league semi-final games will meet in the league consolation game. The winner of the league consolation game will be declared the 3rd place finisher in the league. In the event that the league consolation game ends in a tie, the points scored by each team's starting quarterback will be used to determine which team is declared the 3rd place finisher. Should the starting quarterbacks for each team have the same number of points scored in the consolation game, the team that scored the most total points during the regular season is declared the 3rd place finisher.

In NFL week 16 the 2 winners from the league semi-final games will meet in the league championship game. The winner of the league championship game will be declared the winner of the league. The loser of the league championship game will be declared the 2nd place finisher. In the event that the league championship game ends in a tie, the points scored by each team's starting quarterback will be used to determine which team is declared the league champion. Should the starting quarterbacks for each team have the same number of points scored in the championship game, the team that scored the most total points during the regular season is declared the league champion.

The first-place finisher ("Winner") in each league is the team that wins that league's championship game in week 16 of the current season. The second-place finisher ("2nd Place") in each "High Stakes Fantasy Football" league is the team that loses the league's championship game in week 16 of the current season. The third-place finisher ("3rd Place") in each "High Stakes Fantasy Football" league is the team that wins the league's consolation game in week 16 of the current season.

Leagues with $999.95 per Team Entry Fee

The Winner in each "High Stakes Fantasy Football" league will receive a prize of $6,000.
The 2nd Place finisher in each "High Stakes Fantasy Football" league will receive a prize of $3,000.
The 3rd Place finisher in each "High Stakes Fantasy Football" league will receive a prize of $2,000.

Leagues with $499.95 per Team Entry Fee

The Winner in each "High Stakes Fantasy Football" league will receive a prize of $3,000.
The 2nd Place finisher in each "High Stakes Fantasy Football" league will receive a prize of $1,500.
The 3rd Place finisher in each "High Stakes Fantasy Football" league will receive a prize of $750.

Leagues with $249.95 per Team Entry Fee

The Winner in each "High Stakes Fantasy Football" league will receive a prize of $1,500.
The 2nd Place finisher in each "High Stakes Fantasy Football" league will receive a prize of $750.
The 3rd Place finisher in each "High Stakes Fantasy Football" league will receive a prize of $400.

Prizes will be awarded to one individual per team. All prizes are non-transferable.

Prize Winners will be notified by email within 30 days after the official final results (and associated winners) are validated at the conclusion of the Contest. Prize Winners are also posted on the Contest web site. The conclusion of the Contest is defined as noon Eastern time on the Friday following the last day of competion in the league. After the conclusion of the Contest all prize awards will be placed in the winner's RealTime Fantasy Sports account. Prize Winners may use the balance in their accounts to purchase additional RealTime Fantasy Sports games or they may request a prize distribution via check or direct deposit, payable in US Dollars. Prize Winners must complete an affidavit of eligibility and a liability/publicity release (unless prohibited by law) to receive a prize distribution. In order to comply with United States tax law, for prize distributions of $600 USD or more during any calendar year the affidavit of eligibility must contain the Prize Winner's tax payer identification number. Failure to comply with these requirements can result in non-payment. Prize Winners are not required to spend the balance in their account nor are they required to receive a prize distribution. Account balances do not expire and may be spent on RealTime Fantasy Sports games at any time in the future.

By accepting any prize, the winners grant permission to RealTime Fantasy Sports to use their names and/or likenesses for publicity and promotional purposes without further compensation, unless prohibited by law, and agree to execute a written consent. In the event of dispute about the identity of any entrant, entries made online are declared made by the authorized account holder of the email address submitted at time of entry. "Authorized account holder" is defined as the natural person who is assigned to an email address by an Internet access provider, online service provider or other organization that is responsible for assigning email addresses for the domain associated with the submitted email address. A potential winner can be required to provide the sponsors with proof that the potential winner is the authorized account holder of the email address associated with the winning entry.

Sportsmanship

By registering, you agree to abide by the general sportsmanship rules set forth in these rules and fantasy games in general. You further agree to accept and abide by the rulings and the decisions of RealTime Fantasy Sports regarding all questions of sportsmanship. Sportsmanship broadly includes actions such as abusive postings and communication, colluding with other teams in the league, deliberately choosing to start incomplete or weak lineups, free agent moves for reasons other than improvement of the owner's fantasy team, and any other actions not conducive to decent, fair, and honest play. If an owner refuses to comply with the sportsmanship rules, or that an owner has acted in an unsportsmanlike manner, RealTime Fantasy Sports reserves the right to disqualify the owner and/or remove that owner from the league without a refund. All decisions by RealTime Fantasy Sports will be final.

Inappropriate, Offensive, or Commercial Communication

The league message boards, league news and league email are provided to facilitate communication with other league owners and enhance the enjoyment of your league. RealTime Fantasy Sports does not permit posting or sending messages or images, to include logos, avatars and team names that could be construed as offensive to other owners. Inappropriate communication can also include spamming team owners with commercial offers and/or posting commercial messages on the league message board. Team owners who violate these guidelines are subject to being restricted from posting in the league. Additionally, RealTime Fantasy Sports reserves the right to disqualify the owner and/or remove that owner from the league without a refund. All decisions by RealTime Fantasy Sports will be final.

All participants are required to abide by the RealTime Fantasy Sports, Inc. (RTFS) Official Policies.

Accidental Drops

Should a team accidentally drop a player or drop the incorrect player during a free agent transaction, the team may appeal to have the player reinstated to their team. The appeal for reinstatement must occur immediately, without exception. If the appeal is not submitted immediately, for any reason, the appeal will be denied. Submission of an appeal does not guarantee a ruling in favor of the team submitting the appeal. If the team owner is a repeat offender, deemed to be using the appeal to gain advantage, or the appeal is not submitted immediately, the appeal will be denied. RTFS reserves the right to deny any appeal.

Trades

In leagues that allow trading owners may request a review of complete trades. Trade appeals must be submitted immediately after the end of the league voting period for a trade. If any delay in submission occurs, for any reason, the appeal will be denied. Upon submission of an appeal, the trade will be reviewed by a panel of fantasy football experts. Current injuries, bye weeks, season to date performance and other factors will be considered. Trades that are overwhelmingly one-sided will be reversed. Trades that are arguably beneficial to both sides or arguably not overwhelmingly one-sided will be allowed to stand. It is the responsibility of teams within a league to veto a trade if they believe it to be one-sided. Submission of an appeal does not guarantee a trade will be reversed. RTFS reserves the right to reverse any trade or let any trade stand.

Teams may not appeal the veto of a trade. If team owners in a league veto a trade, for any reason, that veto shall stand.

All appeal decisions by RealTime Fantasy Sports are final.

Internet/Technology Problems

If, for any reason, the Contest is not capable of running as planned, including infection by computer virus, bugs, tampering, unauthorized intervention, fraud, technical failures or any other causes beyond the control of RealTime Fantasy Sports which corrupt or affect the administration, security, fairness, integrity or proper conduct of the Contest. RealTime Fantasy Sports reserves the right at their sole discretion to disqualify any individual who tampers with the registration process or operations of the Contest and to cancel, terminate, modify or suspend the Contest. RealTime Fantasy Sports assumes no responsibility for any error, omissions, interruption, deletion, defect or delay in operation with transmission, communications, line failure, theft or destruction or unauthorized access to or allegation of entries. RealTime Fantasy Sports is not responsible for any problem or technical malfunction of any telephone network or lines, computer online systems, servers, equipment or software, failure of any email or user action to be received on account of technical problems or traffic congestion on the Internet or at any web site, phone lines, or any combination thereof, including any injury or damage to a participant's computer related to or resulting from participation in the Contest. ANY ATTEMPT BY A PARTICIPANT TO DELIBERATELY DAMAGE ANY WEB SITE OR UNDERMINE THE LEGITIMATE OPERATION OF THE LEAGUES IS A VIOLATION OF CRIMINAL AND CIVIL LAWS AND SHOULD SUCH AN ATTEMPT BE MADE, REALTIME FANTASY SPORTS RESERVES THE RIGHT TO SEEK DAMAGES TO THE FULLEST EXTENT PERMITTED BY LAW.

Liability

RealTime Fantasy Sports is not responsible for any late, lost, garbled, misdirected, incomplete, or damaged entries; any Contest disruptions, injuries, losses or damages caused by events beyond the control of RealTime Fantasy Sports or any printing or typographical errors in any materials associated with the Contest. RealTime Fantasy Sports or any subsidiary or affiliated company of any of the foregoing, are not in any way responsible or liable for any damage, loss or injury (including death) resulting from participation in the Contest and/or acceptance and use of any prize won. RealTime Fantasy Sports is solely responsible for enacting, administering, enforcing the rules, and maintaining the integrity of the Contest. The Contest and web site are not sponsored by, endorsed by, nor affilliated with, the National Football League, the National Football League Players Association, Major League Baseball, the Major League Baseball Players Association, or NASCAR.

Release

By participating in the Contest, you release and agree to hold harmless RealTime Fantasy Sports, its sponsors, parent companies, subsidiaries, affiliates, directors, officers, employees and agencies from any liability whatsoever for any claims, costs, injuries, losses, or damages of any kind arising out of or in connection with the Contest or acceptance, possession, or use of any prize (including, without limitation, claims, costs, injuries and losses related to personal injuries, death, damage to or destruction of property, rights of publicity or privacy, defamation or portrayal in a false light, whether intentional or unintentional), whether under a theory of contract, tort (including negligence), warranty or other theory.

Official Rules

The Contest is subject to all United States laws, and to the Leagues official rules, and cannot be used in connection with any form of gambling. By entering the Contest, you agree to abide by the terms of the official rules and by the decisions of RealTime Fantasy Sports, which are final on all matters pertaining to the Contest. RealTime Fantasy Sports reserves the right to change the official rules at any time, in their sole discretion. Official rules are the rules posted on the Contest web site.

Fraud

Entries into the Contest obtained via fraudulent means such as purchase with stolen credit card, fraudulent bank transaction, checks returned for insufficient funds, credit card charge backs, etc. shall be disqualified from the Contest. RealTime Fantasy Sports reserves the right to seek legal remedies and restitution for all fraudulently acquired entries and for any transactions that defraud RealTime Fantasy Sports of Contest entry fees. Remedies and restitution may include administrative charges and attorney fees. Participants that obtain Contest entries by fraud or defraud RealTime Fantasy Sports shall forfeit all entries and all current and future Contest prizes without recourse or refund.