A savings promotion or prize-linked savings contest conducted by a financial institution pursuant to section 412:4-113 is not gambling and shall not constitute a lottery unless the chance to win a prize requires consideration. Consideration shall not include:
(1) The deposit of a specified minimum amount of money into a savings promotion or prize-linked savings account that results in an entry in a savings promotion or prize-linked savings contest;
(2) The interest earned, if any, on the consumer's savings promotion or prize-linked savings account; or
(3) Any fee or amount to administer or maintain the savings promotion or prize-linked savings account.