Christmas Cash Payday!





The following rules shall govern the Winter 2023 Cash Contest “Christmas Cash Payday”. These contest-specific rules

should be read in conjunction with 107.7 The Bay’s General Contest Rules, which are applicable to all contests

conducted by107.7 The Bay.  The Winter 2023 Cash Contest may also be called by any of the names included in

Exhibit A, attached hereto. 





1. Promotional Period: The Promotion begins on or around Monday, January 2nd, 2023 and shall continue for

five weeks, ending on Friday February 3rd (the “Promotional Period”), excluding weekends and federal


2. Entry Deadline:  The deadline to submit entries for each prize drawing is 11:59 PM local time as set forth in

section 4 below.  

3. Eligibility


1. The National Winter 2023 Cash Contest* is open to U.S. residents, eighteen and older, except for

the following individuals: employees or families of employees of Participating Stations; the IBA

officers and directors, volunteers, or vendors; Vipology or vendors thereof; or advertising sponsors of

the contest in local markets, listed in Exhibit B (collectively, the “Sponsors”).  This Promotion is

subject to all applicable federal, state, and local laws and regulations.  This Promotion is void outside

the United States and where prohibited.  

2. Listeners are eligible to win one $1,000 daily prize (“$1000 Daily Prize” or “Daily Prize”) only once per

contest. Any Participant who has won a prize from this Contest during the Promotional Period may be

ineligible to receive an additional prize from a participating radio station or group, based on that station or

group’s local contesting rules. 

3. Participants must sign all contest release and waiver forms required by participating station before

accepting prize.  Entrants are required to provide truthful information in all Promotion submissions and

when requested by the Station in connection with this Promotion.  The Station reserves the right to reject

or delete any entry that it discovers to be false or fraudulent.  The Station reserves the right disqualify any


entry from any individual who does not meet the eligibility requirements or whom it discovers has

provided false or fraudulent information. The Station will delete any and all entries as may be required by



4. Entry Method:  

Participants who wish to participate in the Contest must do so using the Station’s website via the National

Cash Contest widget.  The National Cash Contest widget is located on the Station’s main webpage, located

at In order to participate, a Participant must submit the required personal

information and the Station’s on air “keyword” by 11:59 PM local time, the same day that the keywords are

provided.  One keyword will be announced on air on the Station at a random point of the day.  Participants

may utilize each keyword to submit one entry each day.  Each Participant may only submit one entry per

day, and each entry must utilize a different keyword.  The Station reserves the right to delete, reject,

remove, or otherwise not consider any submissions which contain a duplicate keyword. 


When providing the keyword on air, the Station will spell the keyword.  Participants must submit the

keyword as it was spelled on air, and only the keyword, in order to provide a qualifying submission.  If a

Participant’s submission does not match the spelling provided by the Station on air, the Station reserves the

right to delete, reject, remove, or otherwise not consider such submissions when selecting a winner. 


Participants are required to submit all requested information, which may include their first and last name,

telephone number, email address, address, city, state, zip code, and certify they meet the age requirements,

in order to participate.  The Station reserves the right to delete, reject, remove, or otherwise not consider

any submission which does not contain all requested information.  Multiple Participants are not permitted

to utilize the same email address.  Failing to provide separate email addresses for each Participant may

result in a Participant’s submission being disqualified.  In order to avoid disqualification, only the

authorized account holder of the submitted email address should use that email address to participate.  The

authorized account holder is the natural person who is assigned to the email address by an internet access

provider, online service provider or other organization that is responsible for assigning the email address or

the domain associated with the submitted email address.  Participants may not utilize more than one email

address to increase the number of submissions for that Participant.  Use of any device or method to

automate entry is prohibited.  


Only those submissions that are received by 11:59 PM local time containing the keyword aired that day will

be considered in selecting a winner.  The Promotion administrator’s computer is the official time-keeping

device for the Promotion.  Only those submissions which the Promotion administrator deem timely will be

considered in selecting a winner.  Proof of submission or other indication of submission will not be accepted

to prove the timeliness of a submission. 





This Promotion is only sponsored by the individuals and entities defined as Sponsors herein and in no way

sponsored, endorsed or administered by any third party, including social media platforms or search


engines.  By submission of an entry, the Participant releases all Sponsors from any responsibility or liability

for the Promotion’s administration, prizes or promotion. A Participant’s entry information is being

provided to the Station only.   


Sponsors are not responsible for any technical issues which may result in an invalid submission, including

disrupted , delayed, lost, or unavailable internet connections; cell phone service and/or carrier issues;

computer failures, errors, or data loss of any kind; failed, incomplete, garbled or deleted computer or

network transmissions; inability to access any website or online service; any other error or malfunction,

late, lost, illegible or misdirected entries; or for printing errors in any advertisement, entry form or the



By use of the Station’s website and by entering the Contest, the Participant agrees to the Station’s Website

Terms of Use Agreement and to the use of the Participant’s personal information as described in the

Station’s Privacy Policy, located on the Station’s website.  Through participation in this Contest,

Participants agree to receive marketing materials from the Station and Station’s contest sponsors. If

Participants have questions about the collection or use of their personal information, Participants should

contact the Station using the below information. 


Entry materials that have been tampered with or altered are void.  If the Contest Administrators determine, in

their sole discretion, that there is any suspected or actual electronic tampering with the Contest or if technical

difficulties compromise the integrity of the Contest, the Sponsors reserve the right to void the entries at issue

and/or terminate the Contest and conduct a random drawing to award the prize among all eligible entries received

as of the termination date.  If the Contest is terminated due to tampering or technical difficulties prior to its

expiration date, notice will be posted at and on the Station’s website.  If, for any reason, the

Contest is not capable of running as planned, including tampering, unauthorized intervention, fraud, technical

failures, or any other causes beyond the control of Sponsors which corrupt or affect the administration, security,

fairness, integrity or proper conduct of the Contest, Sponsors reserve the right at their sole discretion to cancel,

terminate, modify or suspend the Contest.  Sponsors reserve the right to disqualify any Participant that tampers

with the operation of the Contest or violates the Official Rules of the Contest.


5. Prizes and Odds of Winning.  


1. (1) ONE DAILY PRIZE of $1,000 (USD) will be awarded each weekday for 5 weeks beginning on January

3rd, 2023 (The first drawing occurs one day after contesting starts on January 2nd, 2023). A total of (25)

Twenty-Five prizes of $1,000 dollars each will be awarded throughout the duration of the contest.  


2. A Participant’s odds of winning a Daily Prize depend upon the number of Participants and the number of

valid entries submitted by each Participant.  This is a nationwide contest, and winners will be selected from a

pool of submissions from throughout the United States.  Even if the Station has rebranded or renamed this Contest,

as described in Exhibit A, Participants are still subject to a national pool of Participants. 


3. Participants are only eligible to win one $1000 Daily Prize per contest.  Any Participant who has already received a

Daily Prize in the ongoing Contest period will be ineligible to receive an additional $1000 Daily Prize.



6. Winner Selection and Notification.


Selection of $1000 Daily Prize Winners: One winner will be randomly selected each weekday, beginning Tuesday, January

3rd, 2023, excluding U.S. National Holidays, during the Promotional Period. In order to win, a Participant will be selected

from the valid submissions received the prior business day using a random number generator.  


Notification: The Contest Administrator will attempt to contact the selected Participant by phone, utilizing the phone

number provided at the time of submission.  The call to the selected participant will likely occur (but is not required to

occur) between 12PM and 2PM Eastern Time.  The call may, but is not required to, show caller ID as coming from an

Indiana number (area code 260) or as an “UNKNOWN” caller; there is no guarantee what the call will show on the

Participant’s phone and the Sponsors are not responsible for any error or confusion that may result from how the call is

displayed on the Participant’s phone.  The Contest Administrator will attempt to contact the selected Participant by phone

three times within a 15-minute period, although those calls could happen within a smaller window of time. No messages,

voice mail, or other type of messages will be left on the selected Participant’s phone. If the Contest Administrator is unable

to contact the selected Participant after calling them three times, then an alternate Participant will be randomly selected, and

the same contact method will be utilized to reach the alternate Participant.  If the first selected participant cannot be

contacted, a maximum of nine alternate participants will be selected each day.  If after attempting to contact the randomly

selected participants in this manner, the Contest Administrator has been unable to contact any of the randomly selected

participants, an additional five individuals will be selected from the valid submission pool.  If contact is made with the

randomly chosen Participant after three phone calls, that Participant will be awarded the prize.  Participants need not be

listening or present to win.  The call with the selected winner will be recorded for future playback on any and all

participating Stations. 


All winner information, such as name and location, will be collected at the time that the winner is contacted.  This

information will be sent to the local Station.  The IBA will provide the local station with a check for the prize amount, made

out to the local Station from the Cash Contest Account held by the IBA.  The local Station will then draft a check to the

winner, utilizing the information provided to the Contest Administrator at the time of winning. Winners will be notified by

the local station to pick up their checks.  The Sponsors and Station will notify winners of when to pick up their checks as

soon as practicably possible.  Any prizes, certificates, or checks not claimed within 60 days of notice will be forfeited by the

winner.  Winner checks must be claimed by the selected winner, in person, at the Station’s designated location, with proper

identification.  The Station reserves the right to refuse to deliver any check, prize, or certificate to any individual who’s

proper identification does not match the information provided by the selected winner at the time they are contacted, or in

accordance with all federal, state, and local laws. Decisions of Station management with respect to the Contest are final.


The Sponsors are not responsible for any technical issues, natural disasters, or other intervening factor which may prevent

the Contest Administrator from being able to reach the selected Participant.  The Sponsors are also not responsible for any

technical issues, natural disasters, or other intervening factors which prevent the selected winner’s contact information from

being correctly recorded or provided to the Station. It is the responsibility of the selected winner to ensure that the

information provided at the time of contact is correct.  Any failure to provide correct information may result in the prize

being forfeited or the winner being unable to collect the prize. The Station, Sponsors, and Contest Administrator reserve the

right to withhold any prizes which they suspect may be fraudulently obtained. 

7. General  


1. Payments of all federal, state, and local taxes are solely the responsibility of the winner(s).  Winner(s) will be

required to complete and submit an IRS Form W-9 or the equivalent including a winner’s full Social Security

Number for receipt of any prize valued at $600 or more.  Failure to submit a complete W-9 or equivalent will result

in disqualification and forfeiture of the prize.    


2. Participating in the Promotion and acceptance of a prize constitutes a winner’s and guest’s (where applicable)

permission for the station or its agents to photograph, film and record each winner, and to use his/her name, address

(city and state), likeness, photograph, voice, biographical information and/or any statements made by him/her

regarding the Promotion or its Sponsors for purposes of trade, publicity or promotion without additional financial

or other compensation, and, station may, where legal, require a winner to sign a publicity release confirming such

consent prior to acceptance of the prize.  In the case of a conflict between this paragraph 3b and any other provision

of these contest rules, this provision 3b shall govern. By accepting the prize, each winner grants to Sponsors the

right to use the winner's name, voice, picture and/or likeness for purposes of advertising and publicity in any and

all media now known or hereafter invented, without further permission or additional compensation (except were

prohibited by law).  All expenses on receipt and use of prize are the sole responsibility of winner.  Winner by

acceptance of their prizes, agree to release Station, IBA, and their advertising, promotion and production agencies

and their respective parents and subsidiaries, shareholders, directors, employees, agents and representatives  from

any and all liability, claims or actions of any kind whatsoever for injuries, damages or losses to persons and

property which may be sustained directly or indirectly in connection with the receipt, ownership or use of the prize

or while preparing for, participating in, and/or traveling to any Contest or prize-related activity or to station to

collect the prize.


3. No prize transfers.  Offer subject to federal, state and local regulations and laws and is void where restricted or

prohibited.  By entering, participants agree to these rules and the decisions of the Sponsors.  


4. To the fullest extent permitted by law, by participating in the Promotion, you:

1. agree to grant station a non-exclusive, perpetual, worldwide license to edit, telecast, exhibit, rerun, reproduce,

use, syndicate, license, print, distribute and otherwise exploit any items (including any photos, videos, audio,

or written material) submitted as part of, or connected with, your contest entry (the “Materials”), or any

portion thereof, in any manner and in any and all formats and media now known or hereafter devised, without

payment to you or any third party; 

2. acknowledge that station reserves the right, in its sole discretion, not to use the Materials at all; and

3. represent and warrant that: you are at least as old as the age of majority in your state; you have the full legal

right, power and authority to grant to station the license provided for herein; you own or control the complete

exhibition and other rights to the Materials you submitted for the purposes contemplated in this license; you

are either the parent (or legal guardian) of any minor featured in the Materials or have received the express

consent of the parent (or legal guardian) for any such minor to appear in the Materials and to enter the

minor’s likeness in the Materials in the contest; and neither the Materials nor the exercise of the rights

granted herein shall infringe upon or violate the right of privacy or right of publicity of, or constitute a libel or

slander against, or violate any common law or any other right of, any person or entity.

5. Prior to awarding any prize station in its sole discretion may require verification of Promotion winner’s or winners’

identification by a showing of valid government-issued photo identification.  


6. To the fullest extent permitted by law, by participating and/or accepting a prize, entrants, winner(s) and guests (if

applicable) agree to release and hold harmless the station conducting the Promotion, its sponsor(s) and promotional

partner(s), its advertising and promotion agencies, the Promotion administrators, any social media platform utilized


in the conduct of the Promotion (including but not limited to Facebook, Inc.) and each of their respective parent,

subsidiary and affiliated entities, and the officers, shareholders, directors, employees, agents, representatives,

successors, and assigns of each of them (collectively, the “Released Parties”) against any and all claims or liability

arising directly or indirectly from the prize or participation in the Promotion.  Station may also require eligible

Promotion winner to sign a liability release confirming such consent.  


7. The station conducting the Promotion, in its sole discretion, reserves the right to disqualify any person (and all of

their entries) from this Promotion if he or she tampers with the entry process, the operation of the Promotion, or the

operation of the station’s website, Facebook Page, and/or any other social networking site used in the Promotion, or

is otherwise in violation of the rules.  The station conducting the Promotion further reserves the right, at its sole

discretion, to modify, cancel, terminate or suspend the Promotion, or any part of it, if it is not capable of

completion as planned or if any fraud, technical failures or any factor beyond the station’s control, including

infection by computer virus, bugs, tampering, unauthorized intervention or technical failures of any sort, corrupt or

affect the administration, security, fairness, integrity or proper conduct of the Promotion as determined by the

station in is sole discretion.  Any attempt by an entrant or any person to deliberately damage any station website,

Facebook Page, and/or any other social networking site used in the Promotion or to undermine the legitimate

operation of this Promotion may be a violation of criminal and civil laws.  Should such an attempt be made, the

station reserves the right to seek full prosecution and/or damages from any such individual to the fullest extent

permitted by law.  The station’s failure to enforce any term of these Official Rules shall not constitute a waiver of

this provision.  If due to circumstances beyond the control of the station conducting the Promotion, any

competition or prize-related event or travel is delayed, rescheduled, postponed or cancelled, the station reserves the

right, but not the obligation, to modify, terminate, suspend or cancel the Promotion and shall not be required to

award a substitute prize.


8. The Released Parties are not responsible for (i) typographical or other errors in the printing, the offering or the

administration of the Promotion, or in the announcement of a prize; (ii) entries not received due to difficulty

accessing the internet, service outage or delays, computer difficulties, malfunctions, disconnections, other

technological failures, telephone service outages, delays, dropped calls, or busy signals, or any other difficulties

that may prevent an individual from sending or receiving a text message; or (iii) lost, stolen, mangled, misdirected,

postage due, illegible, incomplete, incorrect, or late entries.  Further, the Released Parties are not responsible if any

part of a Promotion prize cannot be awarded due to acts of God, acts of war, natural disasters, weather, acts of

terrorism or other factors beyond Station’s control.


9. By participating in and running this contest, participating Station agrees to release other participating Stations,

IBA, and their advertising, promotion and production agencies and their respective parents and subsidiaries,

shareholders, directors, employees, agents and representatives  from any and all liability, claims or actions of any

kind whatsoever for injuries, damages or losses to persons and property which may be sustained directly or

indirectly in connection with the Contest or while preparing for, participating in, and/or traveling to/for any Contest

related activity. 


8. Official Rules and Winner List  

To obtain a physical copy of the General Contest Rules, these contest-specific rules, or a list of winner(s) following

completion of the Promotion (please specify which), send a self-addressed envelope specifying “General Contest Rules,”

National Winter Cash Contest,” or “National Winter Cash Contest Winner List” by May 10, 2023 to:  Station GM,

Radio Station WHSB, 1491 M-32 West, Alpena, Mi. 49707


9. Terms of Use Agreement & Privacy Policy 


The Terms of Use Agreement of the station conducting the Promotion is located here: 1491 M-32 West,

Alpena, Mi. 49707. The Privacy Policy of the station conducting the Promotion is located here: 1491 M-

32 West, Alpena, Mi. 49707.


For questions regarding our Terms of Use and Privacy Policy, please contact: 

 [email protected]


Affiliated Station(s) Exhibit A




d Contest Name

KABG FM BIG 1K Cash Code


KBEQ FM Happy Q Year Cash

KBGE FM That One Forgotten Present

KBGY FM BOB's Bank Roll

KCKC FM Pay Your Holiday Bills

KDPX FM Deltaplex Pay your Christmas bills



KFKF FM Paycheck Payoff




KIOT FM Rock Your Wallet

KJFA FM 1k A Day

KKRG FM 1K Workday Payday

KKSS FM $1,000 KISS Keyword


KLCI FM BOB's Bank Roll


KLMI FM Holiday Cash

KLVO FM Radio Lobo 97.7 Elimina Tus Facturas

KMXV FM Mix 93.3 Daily Cash

KNID FM Pay Your Christmas Bills

KPBA FM Deltaplex Pay your Christmas bills

KSAL AM Big Bill Buyout

KSAL FM Big Bill Buyout


KTPB FM Deltaplex Pay your Christmas bills

KTRN FM Deltaplex Pay your Christmas bills


KXLS FM Pay Your Christmas Bills

KXXO FM Debt Free in '23

KYEZ FM Win It Back With Y

TNCR   Daily Driver Bonus Giveaway

WAFY FM Pay Your Christmas Bills

WAWC FM Pay My Christmas Bills




WBTF FM Pay Your Bills

WBTU FM $25,000 New Year Cash Giveaway

WBVX FM Classic Rock Bill Pay

WCBF FM Bigfoot Bucks

WCBF HD2 Fat Stacks of Cash

WCCM FM Latin X pays your Christmas Bills

WCCS AM Christmas Cash

WCDA FM Pay Your Bills



WCOO FM Pay Your Bills

WCPA AM Passport's Dollar Bills for Holidays Bills


WDAD AM Christmas Cash

WEBR AM Pay Down Your Christmas Bills

WECZ AM Christmas Cash

WEJZ FM Christmas Cash


WENI AM Bigfoot Lot

WENY AM Magic Keywords

WFJX AM Christmas Cash

WFRQ FM Pay Your Christmas Bills

WGKS FM Pay Your Bills

WGNE FM Christmas Cash

WGUF FM Christmas Cash

WHJB FM Christmas Cash

WHLM AM Pop's Winning Wonderland

WHNR AM Boss Hogg's Christmas Cash Payoff

WHPY FM Pay My Christmas Bills

WHSB FM Christamas Cash Payday


WHYA FM Pay Your Christmas Bills

WIFT FM Bigfoot Bucks After Christmas Cash

WIGY AM Pay Your Christmas Bills


WJFX FM Delete Your Debt

WJFX HD2 Breakfast Club Cash

WJGO FM Christmas Cash

WKFY FM Pay Your Christmas Bills

WKLC FM Extra Paycheck

WKQL FM Christmas Cash

WLCY FM Christmas Cash

WLGD FM Bigfoot Pays Your Bills

WLJE FM Bank Account Bonus

WLKX FM BOB's Bank Roll

WLTJ FM Happy Q Year Cash

WLVL AM Pay Off Your Christmas Bills

WLXO FM Pay Your Bills

WMTT FM Met Money

WMVX FM Valley989 pays your Christmas Bills

WMXE FM Pay Your Holiday Bills

WNBT FM Bigfoot Bucks

Wngz AM Wingz Wad of Cash

WNKI FM Keyword To Cash


WNNW FM Power Pays your Christmas Bills

WOGA FM WOGA Wads of Cash

WOXO FM Pay Your Christmas Bills

WPHD FM Cool Cash

WPIA FM 12 Hits In A Row 12K Giveaway

WPQP FM Pop's Winning Wonderland

WPXC FM Pay Your Christmas Bills

WPXZ FM Christmas Cash

WQAH FM Big Country After Christmas Cash

WQMU FM Christmas Cash

WQPM AM BOB's Bank Roll


WRRK FM Post-Holiday Payoff

WRSW FM Pay My Christmas Bills

WSBG FM SBG Pays Your Bills

WSGL FM Christmas Cash

WSHH FM Christmas Cash

WSLC FM Star Country's Post-Christmas Bonus

WSLQ FM Q99's Bill Bailout

WTOB AM WTOB New Year's Money

WUUF FM Pay Your Christmas Bills

WVBE FM Vibe Holiday Payback

WVPO AM Bigfoot Pays Your Bills


WWEG FM Pay Your Christmas Bills


WWGR FM Christmas Cash


WWQB FM Pay Your Bills


WXEX FM Pay Your Holiday Bills

WXKE FM 1000 Credit Card Payoff

WXLK FM After Christmas Kash

WXRD FM Bank Account Bonus

WXTY FM Bank Account Bonus

WYBB FM Pay Your Bills



WZPN FM Win Mattson's Money!