TERMS & CONDITIONS

Updated 5/28/2026

Please read the following terms and conditions carefully prior to using the website.

Upon acceptance and completion of the application process, you (the “Account Holder”) will be subject to all Federal, State and local regulations in addition to the Privacy Policy and Terms and Conditions of the website. By becoming an Account Holder, you certify, agree, and accept, without limitations or qualifications, all terms and conditions herein including those conditions referenced in hyperlinks. If you do not agree with the Terms and Conditions, Privacy Policy or Legal notices, do not use the website or our wagering platform (AWE aka AmWager.com). Any access or use of the website indicates acceptance of all terms and conditions, privacy policies and disclosures contained herein.

Application Requirements

To establish or maintain a wagering account, you must:

You have read and agreed to the entire Terms and Conditions Policy including the Privacy Policy set forth by AmWager.com (AWE).
You certify that you are at least eighteen (18) years of age, with higher age requirements of twenty-one (21) years of age in Alabama, Indiana, Iowa, Kansas, and North Dakota, and a resident of a jurisdiction where wagering on our service is legal.
Only one verified account per person will be allowed.
Accounts are non-transferrable.
You have provided AWE with complete and accurate information on the Subscriber Application.
You authorize AWE to perform a background check by a third-party investigative firm. All information used to authenticate your account will be held confidential.
You agree to allow AWE to open an advanced deposit wagering (ADW) account in your name and manage funds on your behalf.
You acknowledge that your account is for your personal use and wagers placed by others are prohibited. You are legally responsible for all wagers placed through your account, by you or others, with or without your consent. Except where AWE or its employees or agents act without good faith or fail to exercise ordinary care, AWE shall not be responsible for any loss arising from the use by any other person or persons of an account holder’s account. The account holder must immediately notify AWE of a breach of the account’s security.
You will notify AWE immediately of a change in address. If relocating to a state that does not allow pari-mutuel wagering, wagering must cease.
You agree to pay all charges posted to your account.
You agree that AWE has the right to debit your account for information products purchased by you.
You authorize AWE’s external auditors to review your personal and wagering information.
Your information will be kept confidential, unless in the event of an investigation by the Federal or State authorities, or a regulatory/compliance inquiry pursuant to AWE’s contracts or track relationships.
You acknowledge that unusual, fraudulent, unlawful or suspicious account activity will be reported to the proper authorities. AWE will assist in investigations and may do so without providing notification to you.
Fraud or theft determinations shall be made by the account holder’s financial institution through its chargeback and dispute resolution process, and upon such a finding, AmWest may retain proceeds or account balances to the extent necessary to recover damages or losses arising from the fraudulent activity.
AWE reserves the right to reject an account application for any reason deemed necessary.
AWE reserves the right to close an account for any reason deemed necessary. Upon closing an account, all monies due will be returned to the account holder within 5 business days except in the case of theft, fraudulent or suspicious activity. Accounts closed due to theft or fraudulent activity may be retained by AWE to recover damages or losses caused by fraudulent activity.

Deposits/Withdrawals/Wagering

Deposits

Deposits to your account can be made by a variety of methods. They include Bank Card, Check/Money Order, Wire transfer, plus many more. Please refer to the funding page for additional deposit options, financial institutions’ terms and conditions and details regarding limits and fees.

All deposits will be made available for use in accordance with normal financial availability standards and our terms and conditions.
AWE reserves the right to charge a $5.00/convenience fee on all deposits. AWE reserves the right to waive the fee at their discretion.
AWE reserves the right to limit your total deposit amounts in a 24-hour and weekly time-period.
ACH deposits may take up to 7 business days to post to your account. This delay is in accordance with the normal financial industry availability standards.
Account holders may revoke ACH authorization for an ACH transaction by contacting AWE at help@amwager.com or 1-877-767-4447 during support hours. ACH transactions may only be cancelled prior to being processed by the banking system and prior to any funds being spent from the player’s account.
Any ACH funds released prior to the 7 business days for wagering, will not be available for withdrawal until those funds have cleared the banking process.
Absolutely no wagers will be accepted unless the account holder has sufficient funds to cover the wager in the player account. If an account holder “bounces” an ACH transfer or otherwise makes a deposit that is later rescinded by the transferor’s financial institution, the account holder agrees to immediately reimburse AWE for all such amounts plus a $25.00 returned fee. If the account holder uses an ACH transfer from an invalid/closed account, AmWest may retain any proceeds to cover the expenses related to the transaction and remaining balance. If AWE is forced to take steps to collect such amounts from the account holder, the account holder agrees to reimburse AWE for all attorneys’ fees, costs, and expenses associated with collection. AWE may provide account activity reports to aid in the fund recovery investigation.
In the event the account holder files a police report and claims fraud from the rejected ACH transfers, AWE will provide account activity reports and additional information to the police to assist in their investigation.
AWE reserves the right to collect money owed to AWE, from dishonored financial instruments, from the player’s account balance.
Player accounts are non-interest bearing.
Account balances can be verified by logging into your account or calling player support.

Withdrawals

Withdrawal requests can be made by check, bank card, wire or other methods through your account or customer service.

Withdrawal requests can only be made by the account holder, once identity has been verified.
Funds available for withdrawal equal the account holder’s balance less any pending deposits and promotional credits.
Withdrawals by check requests are processed within 5 business days after receipt of request. Expedited shipping of checks will incur a $50 handling fee. If an incorrect address was provided and the check was never received, a stop payment will be processed, and a $35 stop payment fee will be applied to the account and a check will be reissued. AWE reserves the right to waive service charges at their discretion.
ACH withdrawal transfers may take 1-3 business days, depending on individual bank processing standards. No ACH withdrawals will be allowed until one deposit of $25 has been successfully deposited, and funds are successfully received by AWE. ACH and Card withdrawals are limited to 5 withdrawals per week with a maximum of $5,000.
AWE will wire funds at the request of the account holder. A service charge of $25 will apply to wire requests under $5,000. AWE reserves the right to waive service charges at their discretion.
If the balance of your account is insufficient to cover the requested withdrawal amount, no withdrawal will be processed by any of the payment methods.

Wagering

Only authorized account holders shall have access to services provided by AWE. You are legally responsible for all wagers placed from your account using your User ID and Password. You bear full responsibility for maintaining the confidentiality of your account, User ID and Password.
Absolutely no wagers will be accepted unless the account holder has sufficient funds to cover the wager currently in their account. Funds are withdrawn from the account prior to the wager being submitted.
The maximum wager amount allowed is $65,000 (USD) per transaction; some wagers may be restricted to a lower maximum amount.
Proceeds from winning pari-mutuel wagers will be posted to the credit of the account holders as soon as the race is declared official, barring any technical difficulties.
AWE has the right to refuse any wagering transaction for any reason.

No account holder shall make a wager from his or her account while residing in or located in a jurisdiction in which pari-mutuel wagering of this nature is expressly forbidden. Please see our list of restricted/allowed states. Each account holder should consult their own attorney for further clarification.

LIMITATION OF LIABILITY

In the event the wager from an account holder is not transmitted to, received by, or otherwise accepted by the racetrack for any reason (including, but not limited to, mechanical, communication, and human error or failure), no wager will have been placed (or deemed to have been placed) on behalf of the account holder, and no money will be debited from the account holder’s account. Under no circumstances will AWE “book” the wager or otherwise be held responsible for the wager not being transmitted to, received by, or otherwise accepted by the racetrack. AWE shall not be liable for any loss or damage, delay in performance or nonperformance caused by equipment malfunction or breakdown, information unavailability, strikes or other labor disputes, or riots, fire, insurrection, war, failure of carriers, the elements, accidents, acts of God, or any other causes beyond AWE’s control whether or not similar to the foregoing.

Wager Cancellation

AWE does not guarantee the availability of the wager cancellation feature.
AWE may refuse a cancellation of a wager request for any reason.
AWE will not guarantee the cancellation of a wager.
AWE may refuse any cancellation that may cause substantial alteration of odds, prices or betting totals.

New York residents-Transaction cancellations are limited to $500 in win, place and show pools on any betting entry, and for wagers greater than $50 on any one combination in multiple, exotic or super-exotic pools, the account holder’s request to cancel shall be referred to AWE management.

Analytical Wagering Tools

Conditional Wagering allows an account holder to:

Set multiple conditions to wagers that must be satisfied (by a scheduled timeframe) before the wager is sent to tote for processing.
Schedule the timing (relative to minutes-to-post) of when the conditions should be evaluated.
If the conditions (as defined by the account holder) are satisfied at the scheduled timeframe, the bet is sent for processing. Otherwise, the conditional wager “fails” and no bet is placed.
While odds conditions can only be matched against win, exacta, quinella or double pools, you can use those to build conditions for other wagers.
If conditional wagers are placed and exceed funds available in the player account, AWE will not guarantee the order of the conditional wagers accepted. Wagers that cannot be placed due to availability of funds will be cancelled.

Dutch Wagering allows an account holder to:

Create a wager, built from multiple individual wagers, with the aim being to achieve the same payout, no matter what selected runner comes in.
You can dutch on any win, exacta, quinella or daily double wager that has odds. If no odds are available, the dutching tool is disabled.

ABC Wagering allows an account holder to:

Rank your runners from A to C (A being most likely to win, B has a chance to win, C given certain conditions could win) to maximize your wager by allocating more funds to your “A” combinations than the others.

Pro %

Create a wager, built from multiple individual wagers, where the distribution per entry or combination of entries in multiple positions or multiple races is determined by the percent (%) probability as decided by the account holder
You can use Pro % on any pool.

Additional information on other Analytical Tools can be found at: https://www.amwager.com/features/

The AWE Analytic Wagering Tools are provided on an ‘AS IS’ and ‘AS AVAILABLE’ basis. AWE does not warrant that the service will be uninterrupted or error-free. Analytical wagers are dependent upon the receipt of accurate and timely information from third party tote providers (odds, probable payoffs, minutes-to-post, etc.). AWE does not guarantee the accuracy of their information. If the information used for processing analytical wagers is deemed to be incorrect, in no way shall AWE be liable for damages whether direct or indirect, including but not limited to loss of revenue, anticipated profits or other economic loss, whether foreseeable or not, in connection with or arising out of the availability of any analytical wagering services (including, but not limited to, any analytical wagers that were sent, or not sent, to tote for processing).

Tax Reporting

In accordance with the laws of the Internal Revenue Service (“IRS”), any wager resulting in winnings of $2,000.00 or more must be reported to the IRS, if the amount of winnings is at least 300 times the amount wagered into a single pool. Additionally, any wager resulting in winnings over $5,000.00 is subject to reporting and withholding, if the amount of winnings is at least 300 times the amount wagered into a single pool. All winnings subject to reporting and/or withholding shall be reported and/or withheld by AWE, and a copy of the Form W2-G summarizing the information shall be sent to the account holder for tax purposes. It is the responsibility of the account holder to claim all gambling winnings on his or her Federal and State tax returns (where applicable by law).
AWE will provide a W2-G at year end, to the address on file, for reportable winnings.

Responsible Wagering

Wager responsibly. We are committed to responsible gambling.

Our platform offers options for players to take a break, including “Timeout” and “Self-Exclude” features.

Timeout – When an account holder elects to use the “Timeout” feature, the system records the restriction and notifies Player Support. Player Support will review the account to determine whether the account balance is eligible for return, including consideration of any potential chargebacks or unresolved transactions. If the balance is deemed eligible, Player Support will contact the account holder to confirm whether they wish to receive a check for the balance. If no payout is requested, funds will remain in the account; however, after one (1) year of inactivity, the account will be subject to monthly administrative fees in accordance with these Terms and Conditions.

Self-Exclusion – When an account holder elects to use the “Self-Exclude” feature, the system records the restriction and notifies Player Support. Player Support will review the account to determine whether the account balance is eligible for return, including consideration of any potential chargebacks or unresolved transactions. If the balance is deemed eligible, Player Support will initiate a check request for the remaining funds without further contact with the account holder. Upon issuance of the check, no funds will remain in the account, and no fees will apply. In the event the account balance is less than $5 at the time of self-exclusion, the account balance will not be refunded and will be retained as a processing fee by AWE.

Please visit our Responsible Betting page if you, or someone you know, is experiencing problems with gambling.

Indicators of compulsive gambling:

Lying to family members or others to hide your gambling
Trying to get back lost money (chasing losses)
Financial trouble because you gambled money away
Needing to gamble with increasing amounts of money
Being preoccupied with gambling
Trying to control, cut back or stop gambling, without success
Gambling to escape problems
Losing important relationships because of gambling
Committing theft or fraud to get gambling money
Gambling because it is the most important thing in the world

Rewards

AWE rewards account holders by returning a percentage of your total wager on most bets. Please visit our Rewards Page for additional information.
In the event an account holder’s wagering results in a Minus Pool, with payment made back to the host track, Rewards will be forfeited by account holder in the amount of the Minus Pool.

Promotions

AWE may offer promotions. Each promotion will have specific term/conditions/rules related to that promotion. Please review the promotions rules prior to redeeming.
Use of a promotion code indicates acceptance of this site’s Terms and Conditions.
AWE has the right to modify or cancel promotions at any time.
AWE has the right to restrict participation in a promotion at our sole discretion.
AWE rewards account holders with rewards deposited daily. Please visit our Promotions page for additional information.
Promotional credits expire 30 days after issuance unless otherwise noted.
Promotional credits may only be used to wager or purchase service products, they are not cash and cannot be withdrawn.

Use of Equibase® Products

The data used to create the Equibase® Products are proprietary to and are copyrighted by Equibase Company LLC or Axcis Information Network, Inc. Unauthorized copying of such data, including modifications thereof, or the creation of programs or products in which such data have been merged or included with other data programs or products, for distribution to third parties, whether gratuitously or for sale, is expressly forbidden. You may be held legally responsible for any proprietary or copyright infringement that is caused or encouraged by your failure to comply with these Terms and Conditions of Use.
You may not transfer the Equibase®Products from one computer to another. You may not distribute copies of the Equibase®Products to third parties. You may not create derivative works based upon the Equibase®Products.
The Equibase®Products are for your use only and may not be transferred to anyone else. In no event may you transfer, assign, rent, lease, sell, or otherwise dispose of the Equibase®Products on a permanent or temporary basis except as expressly provided for herein.
If you breach any of these Terms and Conditions of Use, Equibase and/or AmWest Entertainment LLC (AWE), in addition to pursuing any other legal remedies available to them, may immediately terminate your right to access the Equibase®Products.
Your purchase of the Equibase® Products indicates your acceptance of these Terms and Conditions of Use.
You agree that AWE has the right to debit your account for information products purchased by you.

Inactive Accounts

An inactive account is one that has had no activity for twelve (12) consecutive months or more. If your account is inactive and has funds on deposit, AWE has the right to assess a $5.00, or five percent (5%) of the account balance monthly service fee, whichever is greater, until the account becomes active or no longer has a balance. If the account becomes inactive and has a balance of less than $5.00, the remaining balance will be assessed as the service fee.
The fee is assessed on the first day of the month following the 12 consecutive months of inactivity.

Additional Terms

It is the account holder’s responsibility to be aware of all wagering rules, policies, terms, conditions, and procedures, including any subsequent changes.
By submitting the Subscriber Application, the account holder certifies that he or she is aware of the wagering laws in his or her jurisdiction and that he or she is not in violation of any such laws and will abide by the gaming laws of the state in which he or she resides. AWE does not accept any responsibility for its account holders with regard to said legality of wagering in the account holder’s jurisdiction.
The account holder must complete the entire Subscriber Application.
The account holder agrees to a background check, verifying proof of physical residential address (a post office box is not acceptable), and date of birth with the application. If account holder is not a U.S. citizen, he or she must provide a copy of his or her Passport and a Form W8-BEN. The account holder must be at least eighteen (18) years of age, with higher age requirements of twenty-one (21) years of age in Alabama, Indiana, Iowa, Kansas, North Dakota, and New Hampshire and a resident of a jurisdiction where wagering on our service is legal.
AWE will maintain strict confidentiality of account holder’s information. However, in the event of an investigation by the Federal or State authorities, or a regulatory/compliance inquiry pursuant to AWE’s contracts or track relationships, the account holder waives any and all rights to personal information and data in AWE’s possession. AWE reserves the right to disclose said data and information to law enforcement and investigative authorities for review and investigation and background examination. The account holder releases AWE of all liability in this regard, to the full extent possible under law.
A facsimile signature shall have the same effect as an original.
AWE specifically reserves the right to reject any application. AWE also reserves the right to refuse deposits for the opening or maintenance of accounts for any reason that it deems to be good and sufficient. AWE reserves the right to suspend or close any account at any time, provided that, when the account is closed, the funds on deposit are returned. Funds will be sent, via check, to the account holder to the address registered with the account within 5 business days except in the case of theft, fraudulent or suspicious activity. In the event, that an account holder is deceased, funds in the account shall be released to the descendant’s legal representative upon receipt of a copy of a certified death certificate and other documents as required. Accounts may not be transferred from one individual to another.
The account holder must consent to an investigation of his or her background and police records. The account holder waives any rights or causes of action that he or she may have against the Oregon Racing Commission and any other individual or agency disclosing or releasing said information to Oregon Racing Commission.
Account holders shall not use AWE’s services in any way that violates any Federal or State Laws or Regulations. Violations of Federal or State Laws may subject Account Holders to civil and/or criminal penalties.
AWE is a licensed pari-mutuel operator in the State of Oregon. As such, the laws of the State of Oregon will govern these disclaimers, terms, and conditions, without giving effect to any principles of conflicts of laws. New York State residents are subject to NY law and under the regulation of the New York State Gaming Commission.

AWE reserves the right to make changes to our website, Subscriber Application, and these disclaimers, terms and conditions at any time, which changes shall become effective immediately upon posting on the web site.

Account holder agrees to defend and hold harmless AWE, its affiliates, employees, contractors, telecommunication providers, content providers, and assignees and their respective officers, directors, employees and agents from and against any and all liabilities, claims, actions, demands, damages, costs, losses and expenses (including reasonable attorney’s fees) arising out of his or her misuse of AWE’s products and services.
Each time you access and browse this website, you accept, without limitations or qualifications, these Terms and Conditions. You also acknowledge that any other agreements between you and AmWager.com are superseded and of no force or effect regarding this subject matter.
AWE is not responsible for the content, security, terms or privacy of websites linked to the AWE website. Hyperlinks are provided as a convenience and are not monitored by AWE.
AWE does not guarantee the accuracy of third-party information but welcomes notification of errors.
Any recommendations, suggestions or comments to AWE, may be used to enhance our services without compensation to you.
Account holder or AWE may terminate or cancel AWE’s services at any time. Account holders may cancel the service with AWE by mailing a signed notice to AmWest Entertainment LLC, 13011 W. U.S. Highway 42, Suite 107, Prospect, KY 40059 or by faxing a signed notice to AmWest Entertainment LLC, fax number (502) 292-1076. AWE may terminate the service at any time by providing notice to the account holder by electronic mail or by U.S. mail or courier service. All accounts terminated shall take effect immediately.

Subscriber Qualification

Individuals who the Oregon Racing Commission determines pose a threat to the interests of the state or to pari-mutuel wagering may be excluded from pari-mutuel wagering through any multi-jurisdictional totalizator hub. In making the determination for exclusion, the commission may consider any of the following:

Prior conviction of a felony, a misdemeanor involving moral turpitude, or a violation of racing, gaming, or pari-mutuel laws of any state, the United States, any of its possessions or territories, or Indian tribes.
A violation, attempt to violate, or conspiracy to violate, the provisions of racing, gaming, or pari-mutuel statutes or rules of the state or any other state, the United States, any of its possessions, or territories, or Indian tribes.
A violation, attempt to violate, or conspiracy to violate, the provisions of the gaming or pari-mutuel statues or rules of the state relating to the failure to disclose an ownership interest in a gaming establishment or a pari-mutuel facility for which the person must obtain a license or make disclosures to the commission.
The intentional evasion of lawful fees or taxes.
Notorious or unsavory reputation that would adversely affect public confidence and trust that the gaming and the pari-mutuel industry is free of criminal or corruptive influences.
Catering to, assisting, or associating with, either socially, or in business affairs, persons of notorious or unsavory reputation, or who have extensive criminal records or persons who have defied congressional committees, other officially constituted bodies, on behalf of the United States or any state, or persons associated with known criminal organizations.
Denial or revocation of a racing, pari-mutuel, or gaming license in any jurisdictions; or
Termination for cause by, or exclusion from, any licensed or tribal gaming establishment, pari-mutuel facility, or racetrack in any jurisdiction.

Terms and Conditions Use Agreement

All information provided by the account holder must be true and accurate. The account holder will submit to a background check, verifying proof of physical residential address (a post office box is not acceptable), and date of birth with the application. If account holder is not a U.S. citizen, he or she must provide a copy of his or her Passport and a Form W8-BEN.
The account holder bears full responsibility for maintaining the confidentiality of his or her Account ID and PIN. He or she shall not disclose, transmit, post, give away or otherwise share the Account ID and PIN with any other party or use the Account ID and PIN for any unauthorized purpose.
The account holder will place wagers for personal and private use only, and will not make any information, materials, or services from AWE available to any other person. Any wagers placed by a person other than the account holder is strictly prohibited.
The account holder agrees to have his or her identity, residency, citizenship and social security number or equivalent government tax identification number verified by a reputable third-party identification service. The account holder also consents to an investigation of his or her background and police records.
The account holder agrees to accept receipt of all Form W2-G’s (when applicable) under penalty of perjury. A facsimile signature shall have the same effect as an original.

By agreeing the Subscriber Application, You agree to abide by the Terms and Conditions of this Terms and Conditions Policy. Furthermore, You declare and affirm that my Subscriber Application, and any statements, attachments, supporting schedules and documents have been examined by you, and, to the best of your knowledge and belief, are in all things true and correct. You understand that AmWest Entertainment LLC (AmWager.com) makes NO WARRANTIES WITH REGARD TO THE SERVICE TO BE PROVIDED HEREUNDER, INCLUDING WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE. IN NO EVENT SHALL AMWEST ENTERTAINMENT LLC BE RESPONSIBLE FOR DAMAGES OF ANY KIND, INCLUDING CONSEQUENTIAL DAMAGES, ARISING OUT OF THE SERVICES TO BE PROVIDED.

AMWEST ENTERTAINMENT LLC. (AWE)
TERMS AND CONDITIONS

Last Revised: August 25, 2026

IMPORTANT!

PLEASE READ BEFORE OPENING, FUNDING, OR USING AN ACCOUNT

Browsing public information on the website alone does not create a wagering agreement. You accept these Terms only through the affirmative acceptance process described in Section II.
Every AWE fee must be displayed before you authorize the related transaction. The complete
current fee schedule appears in Section VII.
Wagering is permitted only after identity, age, residency, and—when required—physical location is verified. A failed or prohibited location check will block wagering.
A wager is not placed merely because it is entered or submitted. It is valid only when accepted by the applicable totalizator system and recorded as accepted by AWE.
Responsible-wagering tools include Timeout, limits where available, and self-exclusion for one year, three years, five years, or lifetime. See Section XIII.
SECTION XV CONTAINS A BINDING INDIVIDUAL ARBITRATION AGREEMENT AND JURY-TRIAL AND CLASS-ACTION WAIVERS. YOU MAY OPT OUT WITHOUT PENALTY WITHIN 30 CALENDAR DAYS AFTER YOUR FIRST SEPARATE AFFIRMATIVE ACCEPTANCE OF THAT PROVISION.

Please read these Terms and Conditions (the “Terms”) carefully. They govern access to and use of the AmWager.com website, mobile applications, wagering platforms, customer-support channels, and related services (collectively, the “Platform”) provided by AmWest Entertainment LLC (“AWE,” “AmWager,” “we,” “us,” or “our”). By completing the affirmative acceptance process described in Section II, you enter into a binding agreement with AWE before Account activation, funding, or wagering.

I. Regulatory Status and Scope

1.1 Licensed Oregon hub. AWE is licensed and regulated by the Oregon Racing Commission (“ORC” or the “Commission”) as a Multi-Jurisdictional Simulcasting and Interactive Wagering Totalizator Hub under ORS 462.725 and Oregon Administrative Rules (“OAR”) chapter 462, divisions 210 and 220. AWE conducts pari-mutuel account wagering through a qualified, subscriber-based closed-loop system and a Commission-approved totalizator provider.

1.2 Commission supervision. AWE’s five-year hub license is subject to annual audits. AWE’s plan of operations, customer accounts, account records, financial records, systems, vendors, service partners, wagering activity, complaints, inactive accounts, responsible-wagering controls, and related operations are subject to ORC review, audit, inspection, investigation, reporting requirements, directives, and enforcement. At reasonable times and to the extent disclosure is not prohibited by law, AWE will give the Commission and its authorized staff the unrestricted access required by OAR 462-220-0030 and 462-220-0070.

1.3 Approved operations. AWE maintains the operational presence, Commission-approved totalizator services, account-wagering controls, funding technologies, reporting processes, and audit procedures required by its approved plan of operations. AWE will not make a system or operational change requiring ORC approval until the Commission orders or approves the change.

1.4 Federal and other jurisdictional law. AWE operates subject to applicable federal law, including the Interstate Horseracing Act, 15 U.S.C. §§ 3001–3007, and to the laws and regulatory requirements of each jurisdiction in which AWE accepts account holders or wagers. Nothing in these Terms authorizes wagering where it is prohibited.

1.5 ADW Services Partners and White-Label Operators. If an ORC-approved ADW Services Partner, White-Label Operator, or other approved site markets or provides access to AWE services, the user remains a customer of AWE, receives the same verification and account procedures, and places wagers through AWE-controlled equipment and its Commission-approved Tote. The interface will identify AWE as the licensed hub operator. Any applicable service-level agreement will preserve the ORC’s right to audit, and AWE remains responsible for required reporting and taxes on the resulting handle.

1.6 Regulatory controls prevail. If these Terms conflict with a mandatory statute, rule, Commission order, approved plan of operations, host-track rule, or any other nonwaivable legal requirement, the controlling requirement governs. Any provision that would waive or restrict a nonwaivable consumer or regulatory right is ineffective to that extent.

1.7 Jurisdictional authorization. Before AWE opens an Account, accepts a deposit for wagering, or accepts a wager from a jurisdiction, AWE will confirm the authorization, license, approval, consent, or operational condition required by its Commission-approved plan and the applicable jurisdiction. An entry in Schedule A does not expand AWE’s authority or override a later regulatory restriction.

II. Acceptance of Terms and Electronic Records

2.1 No acceptance by browsing alone. You may review public informational pages without becoming an Account Holder and without accepting these Terms. Mere access to or browsing of a public webpage does not by itself establish assent to these Terms.

2.2 Affirmative acceptance. Before AWE approves an Account and before you may fund or place a wager, AWE will present these Terms, the then-current Fee Schedule, the Privacy Notice, Schedules A through D, any mandatory jurisdiction-specific supplement, and other mandatory disclosures through clearly labeled links. You must affirmatively check an initially unchecked box or use an equivalent affirmative control stating: “I have read and agree to the AmWager Terms and Conditions and Fee Schedule and acknowledge the Privacy Notice and incorporated schedules,” and then select the button that submits the application or activates wagering. The screen will identify the version and effective date or proposed effective date of each document. Because Section XV contains an arbitration agreement, AWE will also present a separate initially unchecked control stating: “I understand that Section XV contains a binding individual arbitration agreement, jury-trial and class-action waivers, and a right to opt out without penalty within 30 calendar days after this acceptance.” Selecting that separate control does not waive the opt-out right. Consent to marketing will not be a condition of opening or using an Account.

2.3 Record of consent. AWE will retain an electronic record of your assent, including the Account identifier, date and time, each accepted document and version, the electronic acceptance method, and the separate arbitration acknowledgment when applicable. AWE will retain evidence sufficient to reproduce what the Account Holder saw and accepted. You may download or print these Terms before accepting them and may request a copy and consent record from Player Support.

2.4 Separate Inactive Account fee acknowledgment. Before Account approval, AWE will present the Inactive Account service fee next to a separate initially unchecked acknowledgment stating: “After 12 consecutive months of inactivity, and only after required notice, AWE may charge each month the greater of $5 or 5% of my then-current Cash Balance, never more than the remaining balance. I may avoid future fees by completing eligible activity or withdrawing my balance.” This acknowledgment will not be bundled with marketing consent.

2.5 Electronic records consent. If AWE relies on electronic delivery to satisfy a legal requirement that a record be provided in writing, AWE will obtain a separate affirmative consent covering identified categories of Account records, including these Terms and amendments, fee and transaction disclosures, statements, tax documents where permitted, responsible-wagering confirmations, privacy notices, and legally required Account communications. Before consent, AWE will disclose your right to paper records, whether a paper-copy fee applies, how to withdraw consent, the consequences of withdrawal, and how to update your email or other electronic contact information. No fee will be charged for a paper copy that applicable law requires AWE to provide without charge.

2.6 Technology and withdrawal of electronic consent. Electronic delivery requires Internet access, an active email address, a current browser or supported AWE application, and the ability to open, save, and print or otherwise retain HTML and PDF records. The consent process will require you to open or access a sample record in the format AWE will use. You may withdraw consent or update electronic contact information through available Account controls or Player Support. Withdrawal will not affect records already delivered, but AWE may restrict or close the Account if electronic delivery is necessary to operate it lawfully. If a material technology change creates a risk that you cannot access records, AWE will provide revised requirements and obtain renewed consent as required by 15 U.S.C. § 7001(c).

2.7 Changes to these Terms. A material change is one that adds or increases a fee, materially changes Account Holder liability, wagering or withdrawal rights, dispute or arbitration rights, privacy uses or disclosures, responsible-wagering protections, eligibility, or another significant obligation or remedy. A non-material change is limited to a clerical, formatting, contact, link, or clarifying correction that does not impose a new obligation, reduce a right, or change the economic bargain. AWE will not implement a material change requiring Commission approval until the approval is obtained. AWE ordinarily will give at least 30 days’ clear notice by the verified email address and a prominent in-Account or application notice before a material change becomes effective, identify the new version and effective date, and obtain renewed affirmative assent before further wagering when required by law, Commission direction, or the nature of the change. A shorter period may apply only when law, a Commission order, security necessity, or urgent player-protection need requires it. AWE may implement a non-material change after posting the dated version and giving any notice required by law; renewed assent is not required unless law or the Commission requires it. Changes do not apply retroactively unless required by law or expressly agreed to. Material changes to Section XV are also governed by Section 15.14 and Section 15.15.

III. Definitions

“Account” means a verified advance deposit wagering account with a specific record of deposits, withdrawals, fees, wagers, credits, and debits established for an Account Holder and managed by AWE.
“Account Holder” or “you” means the person whose application AWE has approved and for whom AWE has opened an Account.
“Business Day” means Monday through Friday, excluding federal and Oregon state holidays.
“Cash Balance” means cleared cash and settled winnings in the Account, excluding pending deposits, promotional credits, and amounts subject to a lawful hold.
“Tote” or “Totalizator” means the Commission-approved pari-mutuel wagering system or provider that receives, records, combines, calculates, and settles wagers and pools.
“Wager Confirmation” means the AWE Account record showing that a wager was accepted by the Tote. A pending, queued, failed, rejected, or unconfirmed instruction is not a Wager Confirmation.
“Submitted” means that an Account Holder has activated the final submission control and AWE has received the instruction for transmission or processing. Submission alone does not create an accepted wager.
“Pending” means that a Submitted instruction is awaiting transmission, Tote response, or final processing. AWE may reserve the stated amount while Pending, but the instruction is not yet an accepted wager.
“Accepted” means that the Tote has accepted the wager, and AWE’s approved transaction record shows the accepted wager and debit. Only an Accepted wager is binding, subject to applicable law, official wagering rules, and Commission authority.
“Failed” means that an instruction was not accepted because transmission, validation, funding, location, eligibility, timing, data, system, or Tote requirements were not satisfied. A Failed instruction is not a wager, and any reserved amount is released or restored as stated in Section 11.3.
“Cancelled” means that an Accepted wager was timely reversed before wagering closed, or was otherwise cancelled by the Tote, pool host, AWE, or regulator under the governing rules. A cancellation request alone does not create a Cancelled wager.
“Refunded” means that the applicable stake or other amount has been returned to the Cash Balance under the governing scratch, cancellation, pool, settlement, correction, or regulatory rule.
“Settled” means that the Tote or legally controlling authority has made the outcome official and AWE has posted the resulting winning credit, loss, refund, adjustment, or other final transaction entry, subject to a later lawful correction.

IV. Eligibility and Application Requirements

4.1 Minimum age. You must be at least 18 years old and must also satisfy any higher minimum age that applies in your principal-residence jurisdiction, physical-location jurisdiction, or to the product offered. Where the applicable minimum is 21, you must be at least 21. AWE will disclose the applicable minimum age during application and will not permit wagering until age is verified.

4.2 Lawful jurisdiction. Your principal residence must be in a jurisdiction where AWE is authorized to establish and operate an Account for you, and you may place a wager only when the wager is lawful under AWE’s Commission-approved controls and all applicable jurisdictional requirements.

4.3 One Account; nontransferable. Unless AWE and the ORC approve a partnership Account in accordance with applicable rules, you may maintain only one verified Account, and it must be in your own legal name. Account access is personal and nontransferable.

4.4 Required information. You must provide complete, accurate, and current information, which may include your full legal name, date of birth, telephone number, email address, physical principal-residence address (not solely a post office box), Social Security number or other tax identification number when required, citizenship or tax status, payment information, and government-issued identification. A non-U.S. person may be required to provide a passport, Form W-8BEN, or other legally required documentation.

4.5 Identity, age, and residency verification. Before any wager may occur, AWE will verify identity, age, and principal residence electronically or review reliable documents. Verification may be performed by a national, independent reference service or other technology that meets or exceeds applicable reliability, security, accuracy, privacy, and timeliness requirements. If information is unavailable or inconsistent, AWE may use another approved source or ask you for additional documentation. You authorize these reasonable verification steps.

4.6 Background and records checks. To the extent authorized by law and reasonably necessary for eligibility, integrity, fraud prevention, tax compliance, licensing, an ORC inquiry, or AWE’s approved plan of operations, you authorize AWE and a qualified third-party provider to verify relevant public records, sanctions or exclusion lists, and background information. AWE will not treat this authorization as a blanket waiver of privacy, due-process, consumer-reporting, or other nonwaivable rights. If a consumer report is used, AWE will comply with any notice, authorization, and adverse-action duties that apply.

4.7 ORC licensing and audit authority. Information obtained in the application or verification process may be made available to the ORC for licensing, audit, inspection, investigation, or enforcement as permitted or required by Oregon law. You do not waive claims against AWE, the Commission, or any third party that cannot lawfully be waived.

4.8 Rejection, correction, or additional review. AWE may reject or hold an application for a good and sufficient compliance, integrity, eligibility, security, or operational reason. When legally permitted and consistent with security, AWE will provide a clear notice that the application was not approved, that additional information is required, or that verification information is inconsistent. The notice will explain how to submit corrections or supporting documents and will include any consumer-reporting notice legally required.

4.9 Approval package and Account identifier. When AWE approves an Account, it will provide the Account Holder with a unique Account identification number, a copy or durable electronic version of the then-current account wagering rules, these Terms, the Fee Schedule, Schedule A (Jurisdiction Eligibility), Schedule B (Funding Methods and Limits), and other information pertinent to Account operation. If AWE changes the unique Account number, it will notify the Account Holder in writing before the change.

4.10 Commission information requests. AWE will provide information requested by the ORC within the period required by law, Commission order, the approved plan of operations, or the request itself. If no period is stated, AWE will respond promptly and ordinarily within 10 Business Days, unless the ORC Hub Manager or Executive Director grants an extension for good cause.

4.11 Continuing verification and incomplete review. Verification is continuing, not limited to Account opening. AWE may reverify identity, age, principal residence, physical location, payment ownership, tax status, exclusion status, and Account control when information changes, expires, conflicts, or triggers a reasonable fraud, security, integrity, legal, or responsible-wagering concern. AWE may request current identification, address evidence, payment records, or other reasonably necessary documents and may restrict new deposits, wagers, withdrawals, or other affected functions while required verification remains incomplete. AWE will identify what is needed when legally and operationally permitted, will not use verification as a pretext to retain funds, and will preserve lawful access to undisputed funds except when a law, Commission direction, payment-network rule, security need, or documented ownership dispute requires a hold.

4.12 AML, payment ownership, and source of funds. You represent that funds deposited or wagered are from lawful sources and that you are the owner or authorized user of the funding instrument. A funding source ordinarily must bear the Account Holder’s legal name; a joint, business, third-party, or differently named source may be rejected unless permitted by law and AWE’s Commission-approved procedure. AWE may request bank, payment, beneficial-ownership, occupation, source-of-funds, source-of-wealth, or transaction-supporting records reasonably necessary for anti-money-laundering, sanctions, fraud, tax, regulatory, or payment compliance. AWE may refuse, reverse, or hold a transaction; restrict the affected Account function; preserve records; and make a report or disclosure permitted or required by law. AWE will not disclose a confidential suspicious-activity report or other information when disclosure is prohibited.

V. Account Credentials, Security, and Unauthorized Use

5.1 Credentials. You must create and protect your Account ID, password, PIN, secure personal identification code, multifactor authentication method, and any other credential. Do not disclose or allow another person to use them. AWE will never ask you to reveal a complete password by email.

5.2 Personal use only. The Account is for your personal and lawful use. Another person may not place a wager through your Account, and you may not place a wager for another person, except through an ORC-approved Account arrangement.

5.3 Immediate notice. If you suspect unauthorized access, credential compromise, an unrecognized transaction, or another security breach, immediately contact Player Support at help@amwager.com or 1-877-767-4447. AWE may temporarily restrict the Account while it investigates and protects funds.

5.4 Allocation of responsibility. You may be responsible for loss arising from another person’s use of your Account if AWE and its employees and agents acted in good faith and exercised ordinary care. You are not responsible to the extent the loss was caused or increased by AWE’s lack of good faith, failure to exercise ordinary care, breach of law, failure to follow a timely security notice, or other conduct for which liability cannot be waived. A use or wager made without your consent is not automatically allocated to you; AWE will investigate it under Sections 5.5 and XV and applicable law.

5.5 Investigation and correction. AWE will review a timely report of unauthorized activity using Account, device, transaction, Tote, payment-provider, and other relevant records. AWE will correct an erroneous credit or debit when required by law, Commission direction, or the results of its investigation. Nothing in these Terms limits any nonwaivable rights relating to an unauthorized electronic funds transfer or payment-card dispute.

VI. Jurisdictional Restrictions and Geolocation

6.1 State-by-state controls and schedule. Schedule A is the dated and versioned Jurisdiction Eligibility Schedule. It identifies AWE’s current published residence-jurisdiction status, minimum ages, and product or race restrictions. AWE will display Schedule A during onboarding, link it directly from these Terms and the Platform, and make it available before a deposit or wager. AWE will block wagering unless the Account Holder, current physical location where relevant, race, product, and wager satisfy Schedule A and controlling law.

6.2 Verification methods. Depending on applicable law and AWE’s Commission-approved plan of operations, AWE may verify principal residence, current physical location, or both. Verification may use government or commercial records and ORC-approved geolocation technology or methodology, including precise device location, GPS, Wi-Fi positioning, cellular or network information, IP address, device characteristics, and fraud-detection signals. Collection and use of location information are described in the Privacy Notice.

6.3 When checks occur. AWE will complete required identity and principal-residence checks before the first wager. Where physical-location verification applies, AWE will request device permission before wagering and will attempt a location check before the first wager and at the beginning of each wagering session. AWE will repeat the check before a particular wager when required by law, its Commission approved controls, an address or device change, a new network, a material risk signal, or an expired location result. AWE will not accept the wager until the required check succeeds.

6.4 Failed, denied, or prohibited location. If location permission is denied, location cannot be reliably verified, the device or network appears to obscure or falsify location, or the verified jurisdiction prohibits the wager, AWE will block the wager and display a notice such as “Location could not be verified” or “Wagering is not available in your jurisdiction.” Player Support may explain available verification steps but cannot override a legal prohibition.

6.5 No evasion. You may not use a virtual private network, remote desktop, proxy, emulator, location-spoofing tool, false address, or other method to conceal or misstate identity, residence, or physical location. Attempted evasion may result in rejection, suspension, closure, reporting, or other action required by law.

6.6 Address changes. You must promptly update your principal residence address. AWE may restrict wagering until the new address, and any resulting jurisdictional eligibility is verified.

6.7 Funds remain accessible. A failed or prohibited geolocation result blocks wagering but does not by itself forfeit funds or prevent a lawful withdrawal. Account history, withdrawal functions where available, and Player Support will remain accessible to the extent permitted by security and law.

6.8 Local disclosures and changes. Before activating service in a jurisdiction, AWE will provide any regulator, complaint, responsible-wagering, privacy, funding, or other local disclosure required there. A material change to Schedule A will receive required regulatory approval, and the notice described in Section 2.7. A source-market fee identified in Schedule A explains availability or program restrictions; it is not a fee charged to an Account Holder unless separately listed in Section VII and displayed before authorization.

6.9 Location-verification records. AWE may retain the location result, date and time, device and network signals, permission status, provider response, and related fraud or error information for the period stated in the Privacy Notice or required by law, the approved plan of operations, a Commission directive, a dispute hold, or recordkeeping requirements. AWE may provide those records to the ORC and other authorized regulators for audit, examination, investigation, dispute resolution, and enforcement within their authority. AWE will not use precise location information for an unrelated purpose without any consent required by law.

VII. Fees and Transaction-Level Price Disclosure

7.1 Full advance disclosure. Before you authorize a deposit, withdrawal, product purchase, expedited service, or other transaction, AWE will clearly and conspicuously display the complete AWE-imposed fee, the transaction amount, the net amount credited or delivered, and the total amount charged. A mandatory AWE fee will not be added after authorization. This disclosure is in addition to the schedule below and is intended to comply with applicable Oregon price-transparency and consumer-protection requirements.

Charge	Current Amount	When It Applies / Advance Disclosure
Deposit convenience fee	$5 per deposit when charged	The current fee is $5 for a deposit transaction on which AWE charges a convenience fee. If AWE waives the fee, the transaction screen will show $0. The fee, amount credited, and total amount charged will be displayed before authorization.
Returned or reversed deposit	$25	Applies if an ACH or other deposit is dishonored, returned, reversed, or made from an invalid or closed account.
Expedited check handling	$50	Optional. Displayed before the Account Holder requests expedited delivery.
Stop payment and reissue	$35	Applies when a stop payment is requested because the Account Holder supplied an incorrect address or otherwise requests reissuance, unless prohibited by law.
Wire withdrawal under $5,000	$25	Optional. The fee and net wire amount will be displayed or disclosed before the wire request is confirmed. No AWE wire fee applies to a wire of $5,000 or more under the current schedule.
Inactive Account service fee	$5 or 5% monthly	After at least 12 consecutive months of inactivity, the greater of $5 or 5% of the then-current cash balance, never more than the remaining balance. Required notices and legal conditions apply; see Section XIV.
Information or data products	Price shown at purchase	The full product price and every mandatory AWE fee will be displayed before purchase authorization.
Other AWE-imposed mandatory fees	$0	AWE will not charge an AWE-imposed fee that is not listed in this schedule and displayed before authorization.

7.2 Third-party charges. A financial institution, payment network, telecommunications provider, or other third party may impose a charge under its separate agreement with you. AWE does not control such a charge. Where AWE knows the exact third-party charge and presents or collects it as part of the transaction, AWE will disclose it before authorization.

7.3 Fee changes and unlisted fees. AWE will not increase or add a fee without any required ORC approval, at least 30 days’ clear advance notice unless a shorter legally required period applies, and renewed acceptance when required. AWE will not charge an AWE-imposed fee that is not listed in the Fee Schedule and displayed before authorization. The exact transaction screen controls if it shows a lower fee or waiver; AWE will not charge more than the amount shown and accepted.

VIII. Deposits

8.1 Methods and limits. Schedule B identifies the current published funding methods, limits, timing, and AWE charges. AWE may accept bank card, ACH, check, money order, wire transfer, and other Commission-approved methods. Available methods, minimums, maximums, daily or weekly limits, expected availability, reversibility, ownership requirements, and the complete transaction total will be shown before authorization. AWE may refuse or limit a deposit for a good and sufficient reason, including responsible-wagering controls, payment risk, fraud prevention, or legal restrictions.

8.2 Availability. Deposits are credited for wagering in accordance with the applicable financial institution’s funds-availability schedule and AWE’s approved procedures. ACH deposits may take up to seven (7) Business Days to clear. If AWE provisionally makes ACH funds available for wagering before final clearance, those funds and related proceeds may not be withdrawn until clearance.

8.3 ACH authorization and revocation. Each ordinary ACH deposit is initiated by the Account Holder for the amount displayed. You may attempt to revoke an ACH authorization by contacting help@amwager.com or 1-877-767-4447 during Player Support hours, currently noon to 8:00 p.m. Eastern Time daily, except for announced holiday closures. Revocation is effective only if AWE receives it in time to act before the banking system processes the transfer and before any related funds are used.

8.4 No recurring bank debit without separate authorization. AWE will not initiate recurring or preauthorized electronic debits from a consumer bank account unless the Account Holder separately authorizes them in a writing or electronic record that satisfies applicable law and receives a copy of the authorization. Any such authorization will state the amount or method of determining it, frequency, timing, and cancellation method.

8.5 Returned or reversed deposits. If a deposit is dishonored, reversed, rescinded, or made from an invalid or closed account, you must repay the resulting valid negative balance and the disclosed $25 returned-deposit fee. After reasonable investigation and subject to law, AWE may offset a finally determined amount owed against available nonpromotional Account funds. AWE will not retain more than the documented amount owed and will not treat a disputed fraud allegation as resolved solely because it was reported.

8.6 Collection. If lawful collection is required, you may be responsible for reasonable costs and attorney fees only to the extent authorized by applicable law or awarded by a court. AWE may provide relevant records to a financial institution, regulator, auditor, law-enforcement agency, or other authorized investigator.

8.7 No credit wagering. AWE will not accept a wager that exceeds the available Cash Balance. Account funds do not bear interest.

IX. Withdrawals

9.1 Who may withdraw. Only the verified Account Holder may request a withdrawal. AWE may require current identity, address, payment ownership, tax, or security verification before processing.

9.2 Available amount and insufficient requests. The amount available to withdraw is the Cash Balance after debits for accepted but unsettled wagers, less pending deposits, promotional credits, and an amount that AWE is legally required to hold. If an Oregon-rule withdrawal request exceeds the available balance, AWE will notify the Account Holder in writing and, within five (5) Business Days after receiving a proper request, send the available funds unless the Account Holder instructs AWE to process a lower amount through another permitted method. AWE will identify the reason for any restrictions when legally permitted.

9.3 Check. AWE will process a proper check-withdrawal request within five (5) Business Days after receipt. Optional expedited delivery carries the fee in Section VII. A stop-payment and any reissue fee may apply in the circumstances stated in Section VII.

9.4 ACH and bank card; same-source eligibility. ACH and eligible bank-card withdrawals are source-specific. A withdrawal may be sent only to the same external bank account or bank card that (a) is currently linked to and verified for the Account, (b) is held in the verified Account Holder’s name as required by Section 4.12, and (c) was used, after its most recent linking or re-linking, for at least one deposit of $25 or more that successfully cleared or settled. A deposit from another bank account, another card, MoneyPak, PayNearMe, cryptocurrency, or any other funding method does not establish withdrawal eligibility for that bank account or card. Removing a bank account or card from the Account removes it as a withdrawal destination. If it is later re-added, prior deposits do not restore eligibility; a new qualifying deposit from that same re-added source must successfully clear or settle before a withdrawal to it is available. ACH withdrawals generally reach the receiving institution within one to three Business Days after processing, subject to that institution’s timing. Bank-card timing depends on the card network and issuer and will be disclosed where known. Unless a lower limit is displayed on the transaction screen, an Account Holder may make up to 25 ACH withdrawals totaling no more than $5,000 in any seven-day period and, separately, up to 25 eligible bank-card withdrawals totaling no more than $5,000 in any seven-day period. Each withdrawal method has its own independent transaction and dollar limits.

9.5 Wire withdrawals; destination eligibility. Wire withdrawals are available only to a verified bank account held in the Account Holder’s name that is capable of receiving the requested wire through AWE’s supported banking channels. ACH capability, a routing number, or prior ACH activity does not by itself establish wire eligibility, and some online-only, fintech, payment-app, prepaid, mobile-wallet, or other account types may be ineligible. Destination eligibility will be confirmed before the request is submitted. If the destination is ineligible or the transfer cannot be processed, AWE may decline or cancel the request. The current AWE fee is $25 for wire withdrawals under $5,000 and $0 for wire withdrawals of $5,000 or more. The applicable AWE fee will be disclosed before submission.

9.6 Responsible-wagering withdrawals. AWE does not charge an administrative or processing fee solely because an Account Holder requests a Timeout or self-exclusion. Refund and withdrawal handling for those Accounts is stated in Section XIII.

X. Wagering Operations

10.1 Review before submission. Before final submission, the Platform will allow you to review the track or event, race, pool or wager type, selections, unit amount, number of combinations, total wager cost, and any applicable restriction. You are responsible for reviewing the wager ticket before selecting the final submission control.

10.2 Human intervention. Computer-assisted and analytical tools may help formulate a wager, but you must make the final decision to submit it. AWE does not permit fully autonomous submission that eliminates the human intervention required by OAR 462-220-0060.

10.3 When a wager is accepted. A wager instruction may pass through AWE systems and the applicable Tote. A wager is placed only when the Tote accepts it and AWE’s approved transaction log shows an Accepted transaction. A pending spinner, queued instruction, draft bet slip, conditional instruction, error message, or attempted submission without a Wager Confirmation does not establish an Accepted wager. The approved AWE and Tote transaction logs are the official operational record, subject to applicable law, the controlling wagering rules, correction of an identified error, and the ORC’s authority.

10.4 Place of wager acceptance and regulatory compliance. All wagers submitted through an AWE or AmWager Platform are processed for acceptance through totalizator equipment physically located in Oregon and operated through AWE’s Oregon-licensed hub and its ORC-approved totalizator provider. Under OAR 462-220-0060, each wager made from an Account maintained by AWE is considered to have been made in Oregon and is subject to ORC jurisdiction and oversight. AWE accepts interstate off-track wagers only in accordance with the Interstate Horseracing Act, 15 U.S.C. §§ 3001–3007, including all applicable consent and approval requirements. The Oregon location and ORC oversight of wager acceptance do not displace the host-jurisdiction or pool rules governing the wager under Section 10.10.

10.5 Debit and confirmation. AWE may reserve or debit the wager amount during submission. If the wager is accepted, the debit and Wager Confirmation will appear in the Account record. If it is not accepted, AWE will release or restore the reserved amount promptly after the failure is identified.

10.6 Limits and refusal. Wager limits may vary based on the Account, track, pool, wager type, jurisdiction, Tote requirements, responsible-wagering limits, or operational and integrity risks. Any applicable maximum or lower wager limit will be displayed before final submission. AWE may limit or refuse all or part of a wager for a good and sufficient reason, including when, in AWE’s reasonable judgment, accepting the wager could create or contribute to a negative-priced or minus pool. AWE will provide a clear rejection or limit message where permitted by applicable law and system capabilities.

10.7 Pari-mutuel pricing. Odds, probable payouts, pool totals, and projected returns are not fixed prices and may change until wagering closes and the pool is finalized. Payouts are determined under the rules of the host jurisdiction or pool and may reflect takeout, breakage, scratches, dead heats, coupled entries, refunds, reprices, and other pari-mutuel rules.

10.8 Winning credits. AWE will post winning pari-mutuel proceeds and scratch refunds as soon as practicable after the race is declared official and the Tote supplies final settlement information.

10.9 No bookmaking. AWE does not book wagers. It transmits eligible pari-mutuel wagers for inclusion in the applicable pool.

10.10 Governing Jurisdiction and Wagering Rules. The rules of the legally presiding jurisdiction govern wager types, scratches, coupled entries, dead heats, cancellations, refunds, repricing, takeout, breakage, settlement, and disputes. In most cases, the presiding jurisdiction is where the event occurs. For certain international events, B-Pools, and sporting events outside horse and greyhound racing, the presiding jurisdiction may instead be the jurisdiction of the pool host. AWE maintains a wagering-rules directory organized by jurisdiction at AmWager Standard Pari-Mutuel Wagering Rules. The directory does not currently identify the governing rules separately for each track or pool. AWE will make reasonable efforts to maintain the directory and correct known outdated or broken links. The then-current official rules of the legally presiding jurisdiction control over any directory entry, summary, or outdated link.

XI. Cancellations, Technical Failures, and Errors

11.1 Cancellation requests. The cancellation feature is not guaranteed to be available. A request is not effective unless accepted and recorded before wagering closes and cancellation remains permissible under the applicable Tote, pool, track, jurisdictional, and Commission rules. AWE may refuse a cancellation that could materially alter odds, prices, or pool totals or that is otherwise prohibited. The interface or linked cancellation disclosure will state any customer-facing cutoff, per-wager or aggregate limit, jurisdictional exception, and management-review threshold applicable to the request. If a request is denied, AWE will display or provide a reason category when systems, law, and integrity controls permit. If cancellation is accepted, the stake will be restored to the Account promptly after confirmation from the controlling system.

11.2 New York limits. For a New York Account Holder, a transaction-cancellation request is limited to $500 in the win, place, or show pool on any one betting entry. A request to cancel more than $50 on any one combination in a multiple, exotic, or super-exotic pool will be referred to AWE management for review. These thresholds do not guarantee cancellation and remain subject to the timing, pool-integrity, Tote, track, and regulatory restrictions in Section 11.1. If New York law or Commission direction changes a threshold, AWE will obtain any required approval, update this Section, and give notice under Section 2.7 before applying the change except when an immediate legal change is required.

11.3 Failed transmission or rejection. If a wager is not transmitted to, received by, or accepted by the Tote or racetrack because of a mechanical, communications, software, data, power, human, or other error, no wager is deemed placed. AWE will not pay winnings on an unaccepted wager, but it will not retain the attempted stake. AWE will restore an erroneous debit promptly and no later than one (1) Business Day after the failed transaction is confirmed, unless the ORC or another applicable rule directs a different correction.

11.4 Accepted wager despite display delay. If the Tote accepted a wager but the Platform’s display or confirmation was delayed or interrupted, the accepted Tote and AWE transaction records govern, subject to any correction required by the Commission or applicable wagering rules. AWE will make the record available through Account history or Player Support.

11.5 Incomplete, duplicate, mismatched, or erroneous transaction. AWE will investigate a claim that a wager or Account transaction was incomplete, duplicated, incorrectly recorded, mismatched, or otherwise erroneous. It will compare the Account, application, device, network, Tote, payment, timing, and transaction records; preserve relevant evidence; provide notice of the issue and proposed correction when legally and operationally practicable; and give a written outcome through the complaint process in Section XV. AWE may correct an erroneous credit or debit, restore funds, apply a finally determined lawful offset, or request repayment of an erroneous over-credit, but it will not treat a disputed allegation as final without reasonable investigation. ORC authority and all nonwaivable payment and consumer rights are preserved.

11.6 Closures and reporting. AWE may close wagering on a pool, race, group of races, or all wagering for operational, integrity, security, legal, or responsible-wagering reasons. AWE will provide user-facing notice when practicable. It will report wagering-center closures, transmission failures, and suspected violations to the ORC within the time and manner required by OAR 462-220-0070.

XII. Analytical Wagering Tools

12.1 Tools are aids, not guarantees. Conditional Wagering, Dutch Wagering, ABC Wagering, Rank tools, Pro %, Exchange Pool Wagering, Fair Value Exacta Grid, Wager by File Upload, Wager Queue, TRU Odds, ELO Ratings, odds displays, probable payouts, and related analytical features are optional tools. They do not provide financial advice, guarantee placement, result, payout, profitability, or value, or eliminate the need for Account Holder review and affirmative authorization.

12.2 Conditional Wagering. Before activation, you must review the selections, conditions, evaluation time, and maximum total cost and affirmatively authorize the instruction. That authorization is the required human intervention; AWE will not create an additional instruction you did not authorize. Odds conditions can be matched only against win, exacta, quinella, or daily-double pools, although those conditions may be used to construct another wager. Evaluation uses the data available at the scheduled time. An instruction may fail or remain unplaced because a condition is not met, data is delayed or unavailable, post time changes, the pool closes, the Tote rejects it, funds are insufficient, a restriction applies, or a technical failure occurs. If instructions exceed available funds, AWE does not guarantee attempt or acceptance order.

12.3 Dutch Wagering. Dutch Wagering allocates amounts across individual wagers with the objective of producing similar projected returns. It is available only for win, exacta, quinella, or daily-double wagers for which odds are available; the tool is disabled when required odds are unavailable. Equal returns are not guaranteed. Odds movement, pool changes, rounding, breakage, scratches, coupled entries, limits, takeout, rejected combinations, and settlement rules may materially change results.

12.4 ABC and Rank tools. ABC and Rank tools allocate or construct wagers based on your rankings, inputs, selected budget, and tool logic. The output may omit a winning combination, may not be optimal, and may result in the loss of the entire amount wagered.

12.5 Pro %. Pro % allocates wager amounts in any available pool based on percentage probabilities chosen by you. The percentages are your estimates, not AWE predictions. Pool availability, minimum units, rounding, late odds movement, and data changes can cause the allocation or projected return to differ from the initial display.

12.6 Exchange Pool Wagering. An exchange-pool wager may require a successful result in an initial segment before an opportunity exists to participate in a later segment. To place a wager in a later segment, the Account must have sufficient available Cash Balance to cover the full later-stage wager before the applicable submission cutoff. Qualification for a later segment does not reserve or provide wagering funds. If the available Cash Balance is insufficient, the Account Holder cannot participate in that segment. Carryovers, pool size, later-stage availability, qualification, timing, acceptance, and settlement remain subject to the official pool rules. Qualification does not guarantee that a later wager will be offered, accepted, or profitable.

12.7 Fair Value Exacta Grid, TRU Odds, and ELO Ratings. These features use racing data, pool information, mathematical models, ratings, or comparisons to estimate price, probability, ranking, or relative value. Outputs are opinions or estimates, not official odds, representations of intrinsic value, or promises of performance. Assumptions may not reflect scratches, late money, coupled entries, surface or distance changes, incomplete history, or other material information.

12.8 Wager by File Upload. Before final upload submission, AWE will display or make available the required file format and fields, maximum file size or instruction count, validation rules, total authorized cost or a reliable method for determining it, and how errors are handled. You must review the file and authorize submission. A malformed, duplicate, unsupported, late, restricted, or insufficiently funded line may be rejected. Unless the confirmation screen expressly states that the entire file is all-or-none, valid instructions may be attempted while invalid instructions are rejected. AWE will return a line-level result or other reasonably clear record showing accepted, rejected, duplicate, or unprocessed instructions. Only a Wager Confirmation establishes an accepted wager.

12.9 Wager Queue. A queued instruction is a revocable pending instruction, not an accepted wager. Before it enters the queue, you must review its selections, attempt time or trigger, and maximum total cost and affirmatively authorize it. At the attempt time, odds, pool status, eligibility, limits, available funds, and re-render other conditions may have changed. AWE does not guarantee processing or acceptance order when queued or other instructions compete for funds. AWE will provide a reasonable cancellation method until processing begins, subject to system and pool-close timing. Only a Wager Confirmation establishes acceptance.

12.10 Third-party Tote and racing data. Analytical tools depend on third-party Tote and racing feeds, including odds, probable payouts, scratches, pool totals, and minutes-to-post. Tool screens will prominently identify this dependency. Data may be delayed, corrected, incomplete, interrupted, or inaccurate. Once a wager is accepted by the Tote, it ordinarily remains valid despite a delayed or inaccurate analytical display, subject to official rules and a regulatory correction. Displayed analytics do not override official Tote records.

12.11 Risk and responsibility. You remain responsible for the final authorization, inputs, selections, and maximum total wager amount. Do not wager more than you can afford to lose. AWE will not market an analytical tool as eliminating risk or guaranteeing an advantage. Section XXII applies subject to its consumer-protection exceptions.

XIII. Responsible Wagering

13.1 Commitment, training, and advertising. AWE provides responsible-wagering information and controls designed to help Account Holders manage time and spending and obtain help for wagering-related harm. AWE will provide annual responsible-wagering training to staff who interact directly with Account Holders, include responsible-wagering messaging in advertising as required, and keep help resources readily accessible on every AWE and ORC-approved affiliate web or application interface.

13.2 Limits. Through the controls AWE makes available for the applicable jurisdiction, you may set deposit, spending or loss, wagering, and time limits. A request that makes a limit more restrictive takes effect immediately after confirmation. An increase or removal will not take effect for at least 24 hours and may be subject to a longer cooling-off period, identity review, or jurisdictional requirement. During the cooling-off period, the more restrictive limit remains in effect.

13.3 Timeout. The Platform will display the available Timeout durations before selection. A Timeout begins immediately after confirmation and applies across the Account on every AWE and ORC-approved affiliate interface. AWE will record the restriction, notify Player Support, block new wagers and deposits for the selected period, preserve lawful withdrawal access, and suppress direct promotional communications where required. Wagers accepted before the Timeout remain valid and settle normally. The Timeout will not be shortened except where applicable law and a Commission-approved procedure expressly permit it.

13.4 Self-exclusion periods. You may request self-exclusion for one year, three years, five years, or lifetime. Immediately after AWE completes only the identity confirmation reasonably necessary to prevent an unauthorized request, AWE will record the exclusion, notify Player Support, block new wagers, deposits, and new Account creation across every AWE and ORC-approved affiliate interface, restrict Account access as required, remove you from direct advertising and promotions, and retain the identification records needed to enforce the exclusion. A self-exclusion will not be revoked or shortened except as expressly permitted by law and Commission-approved procedure.

13.5 Balances and refunds. Player Support will review the Account for accepted but unsettled wagers, pending deposits, chargebacks, court or regulatory restrictions, and disputed transactions. Within five (5) Business Days after the Timeout withdrawal request or self-exclusion request is confirmed, AWE will send the then-eligible Cash Balance, normally by check to the verified address. Accepted wagers will settle under the applicable rules, and any additional amount that later becomes eligible will be returned promptly. AWE will not retain a balance below $5 or impose an administrative or processing fee solely because of a Timeout or self-exclusion.

13.6 Uniform process and safety. Requests may be made through available Platform controls or Player Support. AWE will handle them consistently, protect the Account from further wagering, and provide confirmation and support information. If a person appears to face immediate danger, call 911 or 988; AWE’s Player Support is not an emergency or clinical service.

13.7 Help resources and controlled state directory. Free and confidential help is available. Oregon residents may contact the Oregon Problem Gambling Helpline at 1-877-MY-LIMIT (1-877-695-4648) or visit opgr.org. Nationwide, contact the National Problem Gambling Helpline at 1-800-MY-RESET or visit ncpgambling.org. AWE will maintain a dated and version-controlled state-specific resource directory, link it from every AWE and ORC-approved affiliate interface, and review it before activating or materially changing service in a jurisdiction. If a person indicates immediate danger or crisis, contact 911 or 988; AWE Player Support is not an emergency or clinical service. Additional state resources are available on AWE’s Responsible Betting and Treatment Centers pages. Responsible Betting | Treatment Centers

XIV. Inactive Accounts and Unclaimed Property

14.1 Inactivity. An Account becomes inactive after 12 consecutive months without an accepted wager, deposit, withdrawal, purchase, successful login, or direct communication that confirms the Account Holder’s continuing interest in the Account, subject to the activity definition required by applicable unclaimed-property law.

14.2 Prominent disclosure, separate acknowledgment, and notice. The inactive-account fee is disclosed in Section VII and is separately acknowledged during Account creation under Section 2.4. Before imposing it, AWE will provide every notice required by applicable law. For an Account subject to Oregon’s unclaimed-property requirements, AWE will give written notice to the last-known address when the Account becomes inactive and at least three months’ written notice by first-class mail before the first inactivity fee is deducted. If required notice has not been completed, no fee will be imposed.

14.3 First assessment and fee calculation. Subject to completion of the notice and waiting requirements in Section 14.2, the first fee is assessed on the first day of the month following 12 consecutive months of inactivity. If a required notice period has not expired by that date, the first assessment is postponed until the first day of the first month in which assessment is lawful. The monthly fee is the greater of $5 or 5% of the then-current Cash Balance. For example, the fee is $5 on a $100 balance and $10 on a $200 balance. If the balance is below $5, the fee is limited to the remaining balance. The fee will never create a negative balance.

14.4 Uniform application and exceptions. The fee will be applied uniformly to similarly situated inactive Accounts and only to the extent allowed by law. It will not be assessed while an Account is self-excluded, while withdrawal is prevented solely by an AWE error, or while the balance is subject to an unresolved dispute that makes assessment unfair or unlawful.

14.5 Reactivation or withdrawal. Before a fee is assessed, you may reactivate the Account through a successful eligible activity after completing any required reverification or may withdraw the eligible Cash Balance. AWE will provide reasonable assistance to return funds.

14.6 Unclaimed property. AWE will document notice and return efforts and will report and remit unclaimed funds to the appropriate state as required. Once property is transferred to a state unclaimed-property administrator, the owner must claim it through that administrator. AWE will not use inactivity fees to avoid unclaimed property duties.

XV. Account Statements, Complaints, Disputes, and Arbitration

15.1 Account information. You may view balances and transaction history through the Platform. Upon request, AWE will provide one written annual statement of Account activity at no cost. A statement is deemed accepted as correct if AWE does not receive written notice of a wagering-record error within 14 days after it is sent, except that this deadline does not waive a right that cannot lawfully be waived or prevent correction required by the Commission. The 14-day period does not shorten any period for reporting or resolving an electronic-fund-transfer, payment-card, ACH, unauthorized-transfer, or other payment error under applicable law; AWE will process those matters under the governing legal standard and deadline.

15.2 How to complain. Contact Player Support at help@amwager.com, 1-877-767-4447, or the mailing address in Section XXV. Identify the disputed transaction, date, amount, and requested resolution and provide supporting material that is reasonably available.

15.3 Response process. AWE will acknowledge a complaint within two (2) Business Days, investigate fairly, preserve relevant records, and ordinarily provide a written outcome within 10 Business Days. If additional time is reasonably necessary, AWE will explain the delay and provide status updates; final resolution ordinarily will occur within 30 calendar days unless law, a regulator, or unusual complexity requires more time. Any remedy will be provided promptly after the decision.

15.4 Oregon Racing Commission claims. You may file a claim directly with the ORC if you contend that a Customer Record, credit, debit, deposit, withdrawal, or other use of funds is incorrect. See OAR 462-220-0030(7)(a)(C). You may contact AWE first but need not delay direct access to the Commission.

Oregon Racing Commission

PO Box 366

Gresham, Oregon 97030

Fax: 971-673-0213

Email: ORC.info@orc.oregon.gov

Official ORC contact information

15.5 Commission correction. If the ORC determines that a Customer Record or a deposit, withdrawal, or use of funds was incorrect, AWE will complete the correction within 10 days after the Commission’s determination, or within a shorter period if the Commission so directs. The correction may include correction of the record, deposit of funds into the segregated Account, direct remittance to the Account Holder, or another remedy required by the Commission.

15.6 Records. AWE will document complaints, outcomes, and remedies and will make complaint records available to the ORC upon request. Confidential information will be handled as stated in Section XIX.

15.7 Important arbitration notice; approval and separate assent. THIS SECTION 15.7 THROUGH 15.15 REQUIRES AWE AND AN ACCOUNT HOLDER WHO DOES NOT TIMELY OPT OUT TO RESOLVE COVERED DISPUTES BY BINDING INDIVIDUAL ARBITRATION INSTEAD OF IN COURT. IT INCLUDES JURY-TRIAL AND CLASS-ACTION WAIVERS. IT BECOMES EFFECTIVE ONLY AFTER ANY REQUIRED ORC APPROVAL AND THE ACCOUNT HOLDER’S SEPARATE AFFIRMATIVE ACCEPTANCE DESCRIBED IN SECTION 2.2. POSTING, BROWSING, OR GENERAL PLATFORM USE ALONE DOES NOT CREATE ASSENT TO THIS ARBITRATION AGREEMENT.

15.8 Covered Disputes and prospective application. Except for the matters excluded below, AWE and the Account Holder mutually agree to arbitrate any claim or dispute between them arising out of or relating to the Account, Platform, these Terms, a wager, deposit, withdrawal, fee, promotion, communication, privacy or data practice, analytical tool, suspension, closure, or the relationship between the parties, whether based in contract, tort, statute, regulation, or another legal theory (a “Covered Dispute”). This agreement applies only to a Covered Dispute arising from conduct on or after the Account Holder first separately accepts it. It does not apply to a lawsuit, arbitration, or Commission claim filed before that acceptance or to a dispute for which either party had received a written pre-dispute notice before that acceptance.

15.9 Regulatory, small-claims, and emergency-relief exclusions. Nothing in this arbitration agreement prevents an Account Holder from submitting a claim, complaint, information, or request for relief to the ORC or another government agency, and no agency investigation, enforcement action, audit, hearing, order, or remedy is subject to private arbitration. AWE will not delay a Commission-directed correction or other nonwaivable regulatory duty because of arbitration. Either party may bring an eligible individual claim in small-claims court if it remains there, and either party may seek temporary or emergency court relief necessary to protect an Account, funds, safety, confidential information, or intellectual-property rights while arbitration is pending. A claim for public injunctive relief that applicable law does not permit to be waived or arbitrated may proceed in a court with jurisdiction after any arbitrable individual issues are resolved, unless the court directs otherwise.

15.10 Pre-arbitration notice and informal resolution. Before filing arbitration, the claimant must send a written Notice of Dispute to the other party and allow 30 calendar days for a good-faith effort to resolve it. An Account Holder may send the notice to help@amwager.com with the subject “NOTICE OF DISPUTE” or to the mailing address in Section XXV, Attention: Legal Notice. AWE will send its notice to the verified email address and mailing address. The notice must identify the Account Holder, describe the facts and claims, state the requested relief, and provide a reasonable calculation of any monetary demand. Section 15.3 applies to AWE’s response. Applicable limitations periods are tolled from receipt of a compliant notice through the 30-day period. This step does not restrict immediate access to the ORC, small-claims court where no pre-suit process is required, or emergency relief.

15.11 Arbitration law, administrator, location, and authority. The Federal Arbitration Act, 9 U.S.C. §§ 1-16, governs this arbitration agreement; Oregon arbitration law applies to the extent it is not preempted or inconsistent. The arbitration will be administered by the American Arbitration Association (“AAA”) under its then-current Consumer Arbitration Rules and Consumer Due Process Protocol. If AAA does not administer the matter, the parties will select another nationally recognized consumer-arbitration provider, or a court may appoint an administrator or arbitrator under 9 U.S.C. § 5. At the Account Holder’s choice, the hearing will occur by documents, telephone, secure video, or in the county and state of the Account Holder’s principal residence, unless the arbitrator finds another arrangement necessary for fundamental fairness. The arbitrator may award every individual remedy available in court and must issue a reasoned written decision. A court, not the arbitrator, will decide any dispute about whether a timely opt-out occurred, which version applies, or whether the individual-action waiver is enforceable.

15.12 Fees, remedies, and regulatory records. AWE will pay arbitration fees to the extent required by the AAA Consumer Arbitration Rules and will pay any additional forum or arbitrator fee necessary so that an Account Holder does not pay more to arbitrate than the filing fee for an equivalent court action, unless the arbitrator finds that a claim or requested relief was frivolous or brought for an improper purpose under the standard of Federal Rule of Civil Procedure 11(b). Each party bears its own attorney fees unless a statute, rule, or award permits fee shifting. The arbitration does not limit statutory damages, attorney fees, or other individual relief available under applicable law. AWE may preserve and disclose arbitration records to the ORC or another regulator as permitted or required.

15.13 Individual proceedings; jury-trial and class-action waivers. IF THE ACCOUNT HOLDER DOES NOT TIMELY OPT OUT, AWE AND THE ACCOUNT HOLDER WAIVE THE RIGHT TO A TRIAL BEFORE A JUDGE OR JURY FOR A COVERED DISPUTE AND AGREE TO PROCEED ONLY ON AN INDIVIDUAL BASIS. NEITHER PARTY MAY BRING OR PARTICIPATE IN A CLASS, COLLECTIVE, CONSOLIDATED, MASS, OR REPRESENTATIVE ACTION OR ARBITRATION, EXCEPT TO PARTICIPATE IN A CLASS-WIDE SETTLEMENT OR TO SEEK NONWAIVABLE PUBLIC INJUNCTIVE RELIEF AS STATED IN SECTION 15.9. The arbitrator may not combine different Account Holders’ claims without the written consent of all parties.

15.14 Thirty-day right to opt out; deadline and method. You may opt out of Sections 15.7 through 15.15 without fee, Account closure, loss of service, or other penalty. Your notice must be sent no later than 30 calendar days after the date you first separately and affirmatively accept this arbitration agreement. For an existing Account Holder, the period begins only when AWE first presents this arbitration agreement for renewed separate affirmative acceptance; website posting, browsing, or ordinary login does not start the period. Send the notice from your verified Account email to help@amwager.com with the subject “ARBITRATION OPT-OUT,” or send a signed notice by first-class mail to AmWest Entertainment LLC, 13011 W. U.S. Highway 42, Suite 107, Prospect, Kentucky 40059, Attention: Arbitration Opt-Out. The notice must include your full name, verified Account email, mailing address, Account number if reasonably available, and an unequivocal statement that you opt out of the arbitration agreement in Section XV. An email is timely when sent and a mailed notice is timely when postmarked by the deadline. AWE will confirm a valid opt-out in a durable record within 10 Business Days and retain the election with the consent record. A timely opt-out applies to both parties for that Account; all other Terms remain in effect. It does not alter a separate arbitration agreement independently executed by the parties.

15.15 Changes and severability. AWE will honor a valid prior opt-out. A material amendment to these arbitration terms requires any necessary ORC approval, the notice and renewed assent required by Section 2.7, and a new 30-day opt-out opportunity; it will not apply to a dispute that accrued or was noticed before the amendment was accepted unless both parties agree after the dispute arises. If a court finds a provision of Sections 15.7 through 15.15 unenforceable, it will be narrowed or severed only to the minimum extent necessary, and the remainder will continue. If the individual-action limitation cannot lawfully be enforced for a particular claim, that claim will proceed in court and the remaining Covered Disputes will be arbitrated, unless the court directs otherwise.

XVI. Player Fund Protection

16.1 Segregated Account. AWE maintains Account Holder funds in an insured segregated account approved by the Commission and solely for the benefit of Account Holders. AWE will not use those funds for its general business purposes.

16.2 Ownership. Account Holder funds remain as the property of the Account Holder until wagered, withdrawn, used for an expressly authorized product purchase, or applied to a valid disclosed fee or other instruction or agreement permitted by law.

16.3 Records and controls. AWE maintains a Customer Record of deposits, withdrawals, wagers, payouts, fees, and other uses; uses internal controls and independent review; and submits to Commission access, audit, and correction authority. Material changes to the player-funds policy will receive any required Commission approval and clear advance notice.

16.4 Security instrument. AWE maintains a $50,000 irrevocable bond, letter of credit, or other Commission-approved security instrument designating the Commission as beneficiary, as required by OAR 462-220-0030. The Commission may apply the instrument to satisfy an Account Holder claim or other player-fund obligation when AWE does not make a required correction within 10 days after the Commission’s determination.

XVII. Tax Reporting

17.1 Account Holder responsibility. Gambling winnings may be taxable even when no tax form is issued. You are responsible for reporting winnings and other taxable amounts and for maintaining records needed for federal, state, local, or foreign tax returns.

17.2 AWE reporting and withholding. AWE will report and withhold taxes when required by then-current law, including applicable Form W-2G requirements. Reporting thresholds, wager-ratio tests, withholding thresholds, and rates can change. AWE may require a valid taxpayer identification number, identification documents, Form W-9, Form W-8BEN, signature, or other certification before paying or crediting reportable winnings.

17.3 Forms. AWE will make required tax forms available or send them to the address or electronic destination on file within the legally required period. You must keep contact and tax information current.

17.4 Current law controls. A dollar threshold, multiplier, withholding rate, or other tax summary appearing in marketing, help content, or another general website page is informational and does not amend then-current law. AWE will maintain one consistent tax disclosure across the Platform and will correct a public summary that conflicts with its then-current reporting and withholding procedures.

XVIII. Rewards, Promotions, and Information Products

18.1 Rewards. Schedule C contains the dated Rewards Rules derived from AWE’s current published program. Only an eligible settled wager earns points. Schedule C controls earning rates, excluded Account Holders and wagers, minus-pool adjustments, conversion, expiration, legacy rates, and redemption. A general statement that rewards apply to “all” or “most” wagers does not expand eligibility beyond Schedule C.

18.2 Promotions. Each promotion has separate, dated, clearly presented official rules stating the offer amount or benefit, eligibility, jurisdiction, start and end dates, opt-in requirements, deposit or wagering conditions, award timing, expiration, withdrawal treatment, and restrictions. You must affirmatively opt-in where required. A banner, popup, email, or other advertisement is not a substitute for the official rules. If an advertisement and official rules conflict about a material term, AWE will pause new opt-ins, correct the inconsistency, and provide a lawful remedy to an eligible Account Holder who reasonably relied on the conflicting statement. AWE may modify, suspend, or cancel a promotion only as permitted by its published rules and applicable law and will not retroactively deprive an Account Holder of an earned benefit except for fraud, ineligibility, error, or another disclosed lawful basis.

18.3 Promotional credits. Promotional credits are not cash and are not withdrawable unless the promotion expressly states otherwise. Unless separate rules state a different period, unused promotional credits expire 30 days after issuance. Expiration and any play-through requirement will be displayed before opt-in.

18.4 Equibase products. Equibase Company LLC or Axcis Information Network, Inc. owns or has licenses proprietary and copyrighted Equibase® data and products. Unless the applicable product license allows it, you may not copy, distribute, transfer, rent, lease, sell, create derivative works from, or make those products available to another person. AWE may terminate access for a material license breach and may debit the disclosed product price only after your purchase authorization.

18.5 Handicapping contests, if offered. AWE will identify each contest as a live-money contest, an entry-fee contest, or both; obtain any required racetrack agreement; and obtain advance Commission approval or complete the required Commission audit under OAR 462-220-0030 and 462-220-0055. Before accepting an entry, AWE will display the format, entry price and any fee, minimum and maximum entries, per-person entry limit, cancellation and refund rules, treatment of scratches, canceled races and dead heats, tiebreakers, prizes and payout calculation, takeout, and responsible-wagering information. Except as permitted by previously published rules or Commission approval, an entry may not be retracted within two hours of post time. No entry may be sold, exchanged, or canceled after wagering closes on the first designated race. Takeout will not exceed 22% without Commission approval, and the entire pool will be refunded if fewer than 60% of the designated races remain.

XIX. Privacy, Confidentiality, Investigations, and Regulatory Disclosure

19.1 Privacy Notice and minors. AWE’s Privacy Notice explains the personal information AWE collects, sources, purposes, disclosures, retention, security practices, and privacy rights. It is available through the Platform and the Policies and Disclaimers page. If separate consent is required for precise location, biometrics, marketing, or another activity, AWE will request it separately. A parent or guardian cannot consent to a minor’s opening, accessing, or using an Account or wagering service; any contrary statement in a privacy or website summary is ineffective and will be corrected.

19.2 Confidential Account information. AWE treats Account identity, credentials, balances, transaction activity, wagering selections, deposits, withdrawals, and other nonpublic Account information as confidential. AWE will use and disclose it only as authorized by the Account Holder, described in the Privacy Notice, or permitted or required by law.

19.3 ORC access and audit. Subject to legal limits, the Commission and its authorized staff have access for review and audit to AWE records and financial information, including Account, wagering, payment, deposit, withdrawal, geolocation, verification, communication, complaint, customer-call-monitoring, security, and electronic transaction data within the Commission’s authority. Under OAR 462-220-0070, Commission access to customer and wagering information is treated as proprietary and is not publicly disclosed except as required by law; this does not prevent sharing for investigative purposes.

19.4 Other authorized disclosures. AWE may disclose relevant information to law-enforcement agencies, courts, tax authorities, racing or gaming regulators, auditors, financial institutions, payment providers, Tote providers, racetracks, integrity services, and contracted service providers when reasonably necessary and permitted or required for wagering operations, verification, payment processing, audits, legal compliance, suspicious-activity review, disputes, safety, or enforcement. AWE will limit disclosure to what is reasonably necessary and will use contractual or legal safeguards where applicable.

19.5 Investigations and notices. AWE may investigate and report suspected fraud, theft, unlawful wagering, security incidents, money laundering, rule violations, or other suspicious activity and may cooperate without advance notice when notice is prohibited, would compromise the investigation, or is not legally required. AWE will not require a blanket waiver of privacy or liability as a condition of cooperation.

19.6 Retention. For a closed Account, AWE will retain customer Account documentation for at least three years or for the full self-exclusion period, whichever is greater, subject to the specific record categories and exceptions in OAR 462-220-0030. Electronic customer communications will be retained for at least one year and audio recordings for at least three months. AWE may retain records longer where another law, Commission direction, litigation-hold, tax duty, or investigation requires it.

19.7 Call monitoring and recording. AWE may monitor or record a telephone or video support interaction for quality, training, security, dispute, responsible-wagering, and regulatory purposes only after providing any notice and obtaining any consent required by the law governing the participants. If recording requires consent and a participant decline, AWE will provide a reasonable written support channel where operationally available. Recordings will be protected, disclosed, and retained under the Privacy Notice, this Section, and applicable ORC requirements.

XX. Suspension, Closure, Death, and Exclusion

20.1 Your closure request and effective time. You may request Account closure through authenticated Account controls or by contacting Player Support by email, phone, signed mail, or signed fax at the contacts in Section XXV. A facsimile or legally valid electronic signature has the same effect as an original where accepted by law. A closure becomes effective when AWE receives it through an authenticated Account control or, for a support request, completes only the identity verification reasonably necessary to prevent an unauthorized closure. AWE will then immediately block new wagers and deposits. Accepted but unsettled wagers remain valid and settle under the governing rules. A responsible-wagering request is handled under Section XIII rather than as an ordinary closure.

20.2 AWE suspension or closure. AWE may suspend, restrict, refuse to open, or close an Account for a good and sufficient reason, including false application information, ineligibility, a security threat, payment risk, fraud, violation of these Terms or wagering rules, responsible-wagering action, an ORC or other lawful directive, or unlawful use. AWE will provide notice and a reason when legally and operationally permitted.

20.3 Return of funds. When an Account is closed, AWE will, within five Business Days, return all monies then on deposit by check to the verified principal-residence address, as required by applicable Oregon rules. If a statute, court order, Commission directive, tax-withholding requirement, or documented ownership dispute legally prohibits payment of an affected amount, AWE will preserve that amount, provide notice when legally permitted, return any undisputed funds within the five-Business-Day period, and comply with the controlling law or Commission direction.

20.4 Deceased Account Holder. AWE will release eligible funds to the decedent’s authorized legal representative after receiving a certified death certificate and probate, tax, identity, or other documents reasonably required by applicable law.

20.5 Regulatory exclusion. AWE will deny or restrict access when the ORC or another authority with jurisdiction lawfully excludes a person or directs AWE to do so. Affected persons retain any notice, review, hearing, or appeal rights provided by law.

XXI. Platform License, Intellectual Property, and Prohibited Conduct

21.1 Ownership. The Platform software, interface, design, text, graphics, databases, and AWE and AmWager names and logos are owned by or licensed to AWE and are protected by applicable intellectual property laws. Third-party racing data, marks, and content remain the property of their respective owners.

21.2 Limited license. While your Account is eligible, AWE grants you a personal, limited, nonexclusive, revocable, and nontransferable license to access and use the Platform solely for lawful personal account wagering and related authorized services. This license conveys no ownership interest and is subject to all nonwaivable consumer rights.

21.3 Prohibited conduct. You may not:

provide false, incomplete, or misleading application, identity, age, residency, location, payment, tax, or ownership information;
share, transfer, sell, or permit use of an Account or credential, or wager for another person through a personal Account;
permit a minor or ineligible person to access the Account or Platform;
use unauthorized automation, eliminate required human intervention, scrape or overload the Platform, interfere with Tote transmission, or exploit an error;
evade geolocation, jurisdictional, responsible-wagering, self-exclusion, limit, security, or verification controls;
deposit or wager proceeds of unlawful activity, engage in fraud, collusion, money laundering, chargeback abuse, market or pool manipulation, or another illegal or integrity-threatening act; or
infringe AWE, Equibase, Tote-provider, racetrack, or other third-party intellectual property or data rights.

AWE may investigate, reject or cancel an unaccepted instruction, restrict the Account, preserve evidence, correct records, recover a documented lawful loss, and report conduct as permitted or required. Accepted wagers will be handled under governing wagering rules and regulatory direction.

XXII. Disclaimers and Limitation of Liability

22.1 Service basis and implied warranties. TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE PLATFORM, RACING DATA, VIDEO, CONTENT, INFORMATION PRODUCTS, AND ANALYTICAL TOOLS ARE PROVIDED “AS IS” AND “AS AVAILABLE,” AND AWE DISCLAIMS IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. AWE does not warrant uninterrupted availability or that every display, third-party feed, estimate, or analytical output will be complete, current, or error-free. This disclaimer is subject to Section 22.4 and does not disclaim a warranty or duty that applicable law does not permit AWE to disclaim.

22.2 Matters beyond reasonable control. AWE is not liable for delay or nonperformance caused by events beyond its reasonable control, including a failure of a racetrack, Tote, communications carrier, financial institution, power service, public network, labor force, government action, natural event, fire, civil disorder, or comparable event, provided AWE uses reasonable care in selecting and supervising providers and takes reasonable steps to mitigate and correct the effect.

22.3 Excluded damages. To the maximum extent permitted by law, AWE is not liable for indirect, incidental, special, exemplary, punitive, or consequential damages, or for an Account Holder’s anticipated winnings or profits from a wager that was not accepted. This exclusion does not apply where prohibited by law.

22.4 Consumer-protection and regulatory savings. Nothing in these Terms excludes or limits liability for AWE’s bad faith, failure to exercise ordinary care, gross negligence, willful misconduct, fraud, unauthorized or erroneous debit that AWE is legally required to correct, breach of player-fund duties, violation of a Commission order, or liability or remedy that cannot lawfully be excluded. These Terms do not restrict an Account Holder’s right to complain to, file a claim with, or obtain a remedy ordered by the ORC or another authority.

XXIII. Indemnification

To the extent permitted by law, you will indemnify AWE and its affiliates, officers, employees, and agents from a third-party claim, loss, or reasonable cost caused by your knowing unlawful misuse of the Platform, material breach of Section XXI, infringement of third-party rights, or wagering for another person. This provision does not require you to indemnify any person for that person’s own negligence, bad faith, willful misconduct, legal violation, or failure to exercise ordinary care, and it does not apply to an ordinary good-faith consumer complaint or dispute.

XXIV. Governing Law and Regulatory Jurisdiction

24.1 Oregon law. Except where another jurisdiction’s nonwaivable law applies, these Terms and the Account relationship are governed by Oregon law, without regard to conflict-of-laws rules. Under OAR 462-220-0060, a wager made from an Account maintained by the hub is considered made in Oregon. This legal designation does not permit you to wager from a jurisdiction where wagering is prohibited.

24.2 Commission authority. AWE and the Account are subject to ORC supervisory, licensing, approval, audit, inspection, investigation, correction, reporting, and enforcement authority under ORS 462.725 and OAR chapter 462. Proceedings against AWE as a licensed hub are before the Commission as provided by OAR 462-220-0090, without limiting a consumer forum or remedy that cannot lawfully be waived.

24.3 Other regulators and jurisdiction-specific supplements. New York Account Holders are also subject to applicable New York law and New York State Gaming Commission requirements. Other Account Holders remain subject to mandatory requirements of their residence and location jurisdictions. A dated jurisdiction-specific supplement may state local eligibility, wagering, complaint, funding, withdrawal, privacy, or responsible-wagering requirements; it forms part of these Terms and controls only for the jurisdiction and subject it covers.

24.4 No waiver of government authority. No private agreement, Privacy Notice, linked policy, promotion rule, or Platform statement limits the authority of the ORC or another regulator acting within its jurisdiction.

XXV. General Terms and Contact Information

25.1 Entire agreement and priority. These Terms, the accepted application, transaction-level disclosures, the Fee Schedule, Schedules A through D, the Privacy Notice, applicable official wagering rules, and dated promotion or product terms form the agreement for their respective subject matters. Mandatory law, a Commission order, and the current official rule of the legally presiding wagering jurisdiction control first. These Terms and their dated schedules control over an inconsistent undated website summary, FAQ, marketing page, advertisement, or hyperlink description. A specific transaction, promotion, or product term controls only for that transaction, promotion, or product and only if it was clearly disclosed before authorization and does not reduce a nonwaivable right.

25.2 Third-party links. Links to third-party sites are provided for convenience. AWE does not control their content, availability, security, or privacy practices. Official Tote and host-jurisdiction records remain subject to applicable wagering rules.

25.3 Feedback. You may provide comments or suggestions. Unless you and AWE agree otherwise in writing, AWE may use nonconfidential feedback without compensation, but this does not transfer ownership of your existing intellectual property or personal information.

25.4 Severability and no waiver. If a provision is unenforceable, it will be narrowed only as necessary and the remainder will continue. AWE’s failure to enforce a provision once does not waive later enforcement. No waiver affects Commission authority or a nonwaivable right.

25.5 Assignment. You may not transfer an Account or assign these Terms without AWE’s written approval and any required ORC approval. AWE may assign these Terms only in connection with a lawful transaction and required regulatory approval and notice.

25.6 Notices and contact information. AWE may send routine Account notices to the verified email or mailing address in the Account record and may also display them in the Platform. Material amendments are governed by Section 2.7. A notice is effective when delivered unless applicable law requires another method or time. You must keep your contact information current, but an incorrect address does not excuse AWE from a legally required notice or delivery method.

25.7 Current version, approval status, and records. Before implementation, AWE will mark the document as a draft, identify its version and proposed effective-date status, and obtain every required internal and Commission approval. After approval and implementation, AWE will post the currently effective Terms with their effective date and make a prior version available on request for the period required by law or Commission recordkeeping requirements. AWE’s acceptance record identifies the version agreed to, the date and time, and the acceptance method.

25.8 Linked-document governance. AWE will assign a version and effective date to every mandatory incorporated policy or schedule, maintain working direct links, and review incorporated pages for consistency before implementation and after a material update. AWE will not treat general browsing, use of a promotional code, or access to a hyperlink as acceptance of a new mandatory term. If AWE identifies a material conflict, it will preserve the Account Holder’s existing rights, correct the conflict promptly, provide any required notice or remedy, and obtain renewed assent when required.

AWE PLAYER SUPPORT

Email: help@amwager.com
Telephone: 1-877-767-4447
Hours: Noon–8:00 p.m. Eastern Time daily
Holiday closures may be announced in advance
Mail: AmWest Entertainment LLC
13011 W. U.S. Highway 42, Suite 107
Prospect, Kentucky 40059
Fax: 502-292-1076

ONLINE POLICIES AND SUPPORT

Schedule A — Jurisdiction Eligibility

This Schedule restates AWE’s public state-restriction information reviewed on July 21, 2026. “Available” means only that AWE’s public schedule listed no complete residence-based restriction; it does not guarantee that every track, pool, product, payment method, promotion, or physical location is available. “Restricted” means AWE will not accept wagering from an Account Holder whose principal residence is in that jurisdiction under the current published schedule. A dash in the age column means service is restricted, not that no age requirement applies.

AWE will verify this Schedule against its current licenses, consents, source-market agreements, approved plan of operations, geolocation controls, and each jurisdiction’s law before implementation and after a material change. AWE will not activate a jurisdiction until any required local regulator, complaint, privacy, and responsible-wagering disclosures are available. Section VI governs location checks and changes.

Principal-residence jurisdiction	Minimum age	Current AWE eligibility / product restriction
Alabama	21	Available; no additional product restriction listed
Alaska	—	Restricted
Arizona	—	Restricted
Arkansas	—	Restricted
California	18	Available; no greyhound wagering
Colorado	18	Available; no greyhound wagering
Connecticut	18	Available; no additional product restriction listed
Delaware	18	Available; no additional product restriction listed
District of Columbia	—	Restricted
Florida	18	Available; no additional product restriction listed
Georgia	—	Restricted
Hawaii	—	Restricted
Idaho	18	No greyhound wagering; many tracks restricted due to 10% source-market fee; excluded from Rewards and promotions under Schedule C
Illinois	18	Available; no greyhound wagering
Indiana	21	Available; no additional product restriction listed
Iowa	—	Restricted; minimum age would be 21 if service is later authorized
Kansas	21	Available; no additional product restriction listed
Kentucky	18	Available; no greyhound wagering
Louisiana	18	Available; no additional product restriction listed
Maine	—	Restricted
Maryland	—	Restricted
Massachusetts	18	Available; no greyhound wagering
Michigan	18	Available; no greyhound wagering
Minnesota	—	Restricted
Mississippi	—	Restricted
Missouri	—	Restricted
Montana	18	Available; no additional product restriction listed
Nebraska	18	Available; no additional product restriction listed
Nevada	—	Restricted
New Hampshire	21	Available; No greyhound wagering. Credit cards prohibited. Cryptocurrency prohibited. PayNearMe prohibited.
New Jersey	—	Restricted
New Mexico	18	No greyhound wagering; New Mexico residents may not wager on The Downs at Albuquerque, Ruidoso Downs, Sunland Park, Sunray Park, or Zia Park
New York	18	No greyhound wagering; cancellation controls in Section 11.2 apply
North Carolina	—	Restricted
North Dakota	21	Available; no additional product restriction listed
Ohio	18	Ohio residents may not wager on Mahoning Valley or Thistledown
Oklahoma	18	Oklahoma residents may not wager on Fair Meadows or Remington Park
Oregon	18	Available; no additional product restriction listed
Pennsylvania	18	Available; no greyhound wagering
Puerto Rico	—	Restricted
Rhode Island	18	Available; no additional product restriction listed
South Carolina	—	Restricted
South Dakota	18	Available; no additional product restriction listed
Tennessee	18	Available; no additional product restriction listed
Texas	—	Restricted
U.S. Virgin Islands	—	Restricted
Utah	—	Restricted
Vermont	18	Available; no additional product restriction listed
Virginia	—	Restricted
Washington	—	Restricted
West Virginia	18	Available; no additional product restriction listed
Wisconsin	18	Available; no additional product restriction listed
Wyoming	18	Available; no additional product restriction listed

Schedule B — Funding Methods and Limits

This Schedule summarizes AWE’s current published funding and withdrawal methods. It must be read with Sections VII through IX. The authenticated transaction screen will identify whether a method is available to the particular Account Holder, any lower limit, the amount credited or delivered, every AWE fee, the total charged, and known timing before authorization. AWE will not impose an unlisted AWE fee.

Method	Use	Limits, timing, and charges
Bank card	Deposit; eligible-card withdrawal	Eligibility for bank-card withdrawals is determined separately for each card under Section 9.4. To be eligible, a card must remain linked to the Account, be issued to the Account Holder, and have been used to make a successfully settled deposit of at least $25. Removing a card ends its eligibility. If the card is added again, a new qualifying deposit is required. Not all payment cards are eligible to receive withdrawals. Eligibility is subject to the requirements of the card issuer, payment network, AWE’s payment providers, and applicable law. Eligible bank-card withdrawals are limited to 25 transactions totaling no more than $5,000 during any seven-day period. These limits are separate from ACH withdrawal limits. Applicable limits and any AWE fee will be disclosed before the withdrawal is authorized. Issuer processing times and charges may apply.
ACH	Deposit and withdrawal	Deposits may take up to seven Business Days to clear. Provisional funds cannot be withdrawn until the deposit is cleared. Eligibility for ACH withdrawals is determined separately for each linked bank account under Section 9.4. To be eligible, a bank account must remain linked to the Account, be owned by the Account Holder, and have been used to make a successfully cleared deposit of at least $25. Removing a bank account ends its eligibility. If the bank account is added again, a new qualifying deposit is required. ACH withdrawals are limited to 25 transactions totaling no more than $5,000 during any seven-day period. These limits are separate from the bank-card withdrawal limits. Applicable limits, fees, and additional eligibility requirements will be disclosed before the withdrawal is authorized.
Check / money order	Deposit; check withdrawal	Availability follows ordinary collection. Proper check withdrawal requests are processed within five Business Days. Optional expedited handling: $50. Stop payment and reissue in the disclosed circumstances: $35.
Wire transfer	Deposit and withdrawal	AWE withdrawal fee: $25 below $5,000; $0 at $5,000 or more. The net amount and any known charge are shown before confirmation.
Other Commission-approved method	As displayed	Available only when shown on the authenticated transaction screen. Methods, minimum, maximum, expected timing, reversibility, ownership requirements, and every AWE fee are displayed before authorization.

Player Support hours are noon to 8:00 p.m. Eastern Time daily, except for announced holiday closures. Email messages may be sent at any time, but time-sensitive ACH revocation is effective only if received early enough for AWE to act under Section 8.3. Third-party institutions may impose charges or processing periods under their separate agreements; AWE will disclose a known third-party charge when AWE presents or collects it as part of the transaction.

Schedule C — AmWager Rewards Rules

Points are earned only on eligible settled wagers by an Account in good standing. Win, place, and show wagers are “WPS”; all other eligible wager types are “Exotics.” “Monthly eligible settled wagering” means the total eligible WPS and Exotic handle recorded for the Account during a calendar month. The current published levels are:

Monthly eligible settled wagering	WPS points per eligible $1	Exotic points per eligible $1
$0	4	4
$1,000	5	5
$2,500	6	6
$5,000	8	8
$10,000	10	13
$20,000	15	20

Points are currently converted automatically each morning to wagering credit at 1,600 points for $1 of wagering credit. Wagering credit is promotional credit, is not cash, cannot be withdrawn unless a specific written rule says otherwise, and expires 30 days after issuance.

Idaho Account Holders are excluded from Rewards and other promotions under AWE’s current published rules due to source-market fees.

Accounts created before 2023 remain on their prior rewards rates unless the Account Holder requests transfer to the current system and AWE confirms the change.

If an Account Holder’s wagering creates a minus pool for which AWE pays the host track, rewards may be reduced or forfeited only by the documented amount attributable to that minus pool.

Canceled, refunded, void, reversed, fraudulent, ineligible, or otherwise non-settled wagers do not earn rewards.

AWE may offer a separate concierge program or personalized benefit to a high-volume Account Holder under a written offer.

AWE will not reduce an already-earned reward retroactively except to correct an error, fraud, ineligibility, reversal, or a disclosed minus-pool adjustment.

A material prospective change to eligibility, rates, conversion, or expiration will receive required regulatory approval and at least 30 days’ clear notice under Section 2.7.

Schedule D — Wagering Rules Control Matrix

This Schedule explains how AWE determines the rules governing an offered pari-mutuel wager. AWE’s current public Standard Pari-Mutuel Wagering Rules directory is organized by jurisdiction only. It does not currently identify governing rules separately for each track, event, pool, or wager. Nothing in this Schedule represents that AWE presently offers a track- or pool-specific rules lookup system.

Wager or Pool category	How presiding jurisdiction is identified	Controlling source
Domestic U.S. event pool	Ordinarily, the jurisdiction in which the event occurs, unless applicable law or the official pool arrangement designates another legally presiding jurisdiction or pool host	The current official racing or pari-mutuel rules of the legally presiding jurisdiction, together with applicable host-track, Tote, and pool conditions
International event or B-Pool	The pool-host jurisdiction or other legally presiding jurisdiction, as determined from official pool, Tote, host, or regulatory records	The current official rules of the legally presiding jurisdiction, together with applicable host-track, Tote, and pool conditions
Oregon-hosted pool	Oregon	ORS chapter 462, OAR chapter 462, applicable ORC orders, and lawful host-track, Tote, and pool rules
North Dakota-hosted pool	North Dakota	The current official North Dakota racing and pari-mutuel rules and applicable lawful host-track, Tote, and pool rules
ARCI model rules	No independent presiding jurisdiction	Reference only, unless the legally presiding jurisdiction has adopted the applicable model provision
Track- or pool specific condition	Determined from applicable official regulatory, host, pool, Tote, and AWE transaction records	The current official rules governing scratches, coupled entries, dead heats, cancellations, refunds, repricing, takeout, breakage, settlement, and disputes

Before submitting a wager, the Platform will allow the Account Holder to review the track or event, race, pool or wager type, selections, wager amount, total cost, and any customer-facing restriction then displayed. The Platform does not currently provide the governing rules separately by track or pool.

AWE maintains its current jurisdiction-based wagering-rules directory at AmWager Standard Pari-Mutuel Wagering Rules. AWE will make reasonable efforts to maintain the directory and correct known outdated or broken links. The then-current official rules of the legally presiding jurisdiction control over any directory entry, summary, unofficial source, or outdated link, subject to applicable law, ORC authority, and nonwaivable Account Holder rights.

AWE will preserve the official rule, Tote, transaction, and Account records used to resolve a disputed wager and will make those records available to the ORC as required by applicable law and Commission authority.

TERMS & CONDITIONS

AMWEST ENTERTAINMENT LLC. (AWE)
TERMS AND CONDITIONS

Table of Contents

I. Regulatory Status and Scope

II. Acceptance of Terms and Electronic Records

III. Definitions

IV. Eligibility and Application Requirements

V. Account Credentials, Security, and Unauthorized Use

VI. Jurisdictional Restrictions and Geolocation

VII. Fees and Transaction-Level Price Disclosure

VIII. Deposits

IX. Withdrawals

X. Wagering Operations

XI. Cancellations, Technical Failures, and Errors

XII. Analytical Wagering Tools

XIII. Responsible Wagering

XIV. Inactive Accounts and Unclaimed Property

XV. Account Statements, Complaints, Disputes, and Arbitration

XVI. Player Fund Protection

XVII. Tax Reporting

XVIII. Rewards, Promotions, and Information Products

XIX. Privacy, Confidentiality, Investigations, and Regulatory Disclosure

XX. Suspension, Closure, Death, and Exclusion

XXI. Platform License, Intellectual Property, and Prohibited Conduct

XXII. Disclaimers and Limitation of Liability

XXIII. Indemnification

XXIV. Governing Law and Regulatory Jurisdiction

XXV. General Terms and Contact Information

Schedule A — Jurisdiction Eligibility

Schedule B — Funding Methods and Limits

Schedule C — AmWager Rewards Rules

Schedule D — Wagering Rules Control Matrix

Stay Connected:

Quick Links

TERMS & CONDITIONS

AMWEST ENTERTAINMENT LLC. (AWE) TERMS AND CONDITIONS

Table of Contents

I. Regulatory Status and Scope

II. Acceptance of Terms and Electronic Records

III. Definitions

IV. Eligibility and Application Requirements

V. Account Credentials, Security, and Unauthorized Use

VI. Jurisdictional Restrictions and Geolocation

VII. Fees and Transaction-Level Price Disclosure

VIII. Deposits

IX. Withdrawals

X. Wagering Operations

XI. Cancellations, Technical Failures, and Errors

XII. Analytical Wagering Tools

XIII. Responsible Wagering

XIV. Inactive Accounts and Unclaimed Property

XV. Account Statements, Complaints, Disputes, and Arbitration

XVI. Player Fund Protection

XVII. Tax Reporting

XVIII. Rewards, Promotions, and Information Products

XIX. Privacy, Confidentiality, Investigations, and Regulatory Disclosure

XX. Suspension, Closure, Death, and Exclusion

XXI. Platform License, Intellectual Property, and Prohibited Conduct

XXII. Disclaimers and Limitation of Liability

XXIII. Indemnification

XXIV. Governing Law and Regulatory Jurisdiction

XXV. General Terms and Contact Information

Schedule A — Jurisdiction Eligibility

Schedule B — Funding Methods and Limits

Schedule C — AmWager Rewards Rules

Schedule D — Wagering Rules Control Matrix

Stay Connected:

AMWEST ENTERTAINMENT LLC. (AWE)
TERMS AND CONDITIONS