Contest Rules

OFFICIAL RULES – AmeriCU Credit Union Lending Survey $25 Gift Card

NO PURCHASE NECESSARY. PURCHASE WILL NOT INCREASE YOUR CHANCES OF WINNING.

1. PROMOTION DESCRIPTION. AmeriCU Credit Union Lending Survey $25 Gift Card Sweepstakes consists of an online-only sweepstakes (the “Promotion”). The Promotion begins on 02/01/16 at 12:00:00 PM (ET) and ends on 02/15/16 at 11:59:59 PM (ET) (“Promotion Period”).

2. ELIGIBILITY: Open to legal residents of the fifty (50) United States and the District of Columbia who are 18 years of age or older, are members of AmeriCU Credit Union with at least 1 account, and all accounts are in good standing. Accounts in good standing means that the member demonstrates responsible account management such as making regular deposits to bring accounts to a positive balance at least once every 30 days (including the payment of all bank fees and charges), avoids excessive overdrafts suggesting the use of Overdraft Privilege as a continuing line of credit, and has no legal orders, levies or liens against the member’s account.

3. Employees of AmeriCU Credit Union, subsidiaries, affiliates, advertising and promotion agencies, participating retailers and immediate family members and/or those living in the same household of each are not eligible to participate. Void where prohibited.

4. TO ENTER THE SWEEPSTAKES: During the Promotion Period, complete AmeriCU’s lending survey by clicking on the link in the email you have been sent. All members who have completed the survey will be entered to win. Registration is free. Members must complete the survey by 02/15/16 at 11:59:59 PM (ET) and all accounts must be in good standing. Limit one (1) Sweepstakes entry per member for the Promotion Period.

5. SWEEPSTAKES RANDOM DRAWING: Winner will be selected in a random drawing on or about 03/15/16 from among all eligible entries received by Sponsor or its designee, the judges in this Sweepstakes, whose decisions are final and binding. Winner will be notified by phone, mail and/or email at Sponsor’s discretion. Odds depend on number of entries.

6. PRIZES/APPROXIMATE RETAIL VALUE (ARV)/ODDS: Sweepstakes Prize: One (1) Sweepstakes Prize – one (1) $25 gift card. Approximate retail value or prize is $25. Unclaimed prizes will not be awarded. All applicable federal, state, and local taxes on prize are the sole responsibility of the prize winners.

7. GENERAL: If prize notification or prize is returned as non-deliverable, prize may be forfeited, or an alternate winner may be selected. No correspondence will be acknowledged. No cash equivalents, substitutions or transfer of prize permitted except that Sponsor reserves the right to substitute a prize of equal or greater value in the event that an offered prize is unavailable. Subject to all federal, state and local laws/regulations. Neither Sponsor, its subsidiaries, affiliates, advertising, promotion agencies nor their employees will have any liability whatsoever for any injuries, losses or damages of any kind caused by any prize or resulting from acceptance, possession, use and/or misuse of any prize or participation in the Promotion or any prize-related activities. Acceptance of a prize shall be construed as and signify the winner’s agreement and consent that Sponsor may use the winner’s name, voice, likeness and/or prize information, without limitation, for promotional purposes without further consideration, review, approval or payment, where allowed by law. Winner acknowledges that neither Sponsor nor its agents have made nor are in any manner responsible or liable for any warranty, representation or guarantee, express or implied, in fact or in law, relative to any prize, including, but not limited to, its quality, mechanical condition or fitness for a particular purpose. Any and all warranties and/or guarantees on a prize, if any, are subject to the manufacturers’ terms therefore and winners agree to look solely to such manufacturers for any such warranty and/or guarantee. By participating in this Promotion, entrants agree to be bound by the Official Rules and the decisions of the judges, which are final and binding in all respects. Sponsor not responsible for any typographical or other error in the printing of the offer or in administration of the Promotion.

8. INTERNET: Sponsor is not responsible for electronic transmission errors resulting in omission, interruption, deletion, defect, delay in operations or transmission, theft or destruction or unauthorized access to or alterations of entry materials, or for technical, network, telephone equipment, electronic, computer, hardware or software malfunctions or limitations of any kind, or inaccurate transmissions of or failure to receive entry information by Sponsor or presenter on account of technical problems or traffic congestion on the Internet or at any website or any combination thereof. If for any reason the Sweepstakes is not capable of running as planned, including infection by computer virus, bugs, tampering, unauthorized intervention, fraud, technical failures, or any other causes beyond the control of the Sponsor which corrupt or affect the administration, security, fairness, integrity, or proper conduct of this Sweepstakes, the Sponsor reserves the right at its sole discretion, to disqualify any individual who tampers with the entry process, and to cancel, terminate, modify or suspend the Sweepstakes and select the winner by random drawing from among all eligible entries received up to the point of the action taken by the Sponsor provided that a sufficient number of eligible entries have been received. Caution: Any attempt by any person to deliberately damage any website or undermine the legitimate operation of the game is a violation of criminal and civil laws and should such an attempt be made, Sponsor reserves the right to seek damages from any such person to the fullest extent of the law.

9. CONFIDENTIALITY: For information about how AmeriCU uses your personal information, please see AmeriCU’s privacy policy, located at www.americu.org.

10. For names of winners, send a stamped, self-addressed envelope by 10/15/15 to: AmeriCU Sweepstakes, Attn: Marketing Department Winner’s List, 231 Hill Road, Rome, NY 13441. Winner’s list to be available after 03/30/16.

11. SPONSOR: AmeriCU Credit Union, 231 Hill Road, Rome, NY 13441.