SAVE TO WIN™ PARTICIPATION AGREEMENT

Transcript

1 ® Exhibit B: Official Rules Template Christian Financial Credit Union Save to Win® Savings Promotion Raffle OFFICIAL ACCOUNT AND PRIZE ENTRY RULES 1. How to Enter : The Save to Win® Savings Promotion Raffle (“Raffle”) begins on January 1, 201 9 and en ds December 31, 2019 (“Raffle Period”). : An eligible member of a participating credit union automatically receives Raffle entries based upon the following: Automatic Entries Central Monthly and Quarterly Prize Drawings : One (1) entry for every $25 incr ease in the monthly balance for the member in a Qualifying Certificate Account at month’s end, with a maximum of ten (10) entries per month per member. Participating members are limited to a total of 30 entries during the Raffle Period for the Central Quar terly Prize Drawings. Prize Credit Union Monthly Drawings : One (1) entry for every $25 increase in the monthly balance for the member in a Qualifying Certificate Account at month’s end, with a maximum of ten (10) entries per month. Participating members are limited to a total of 30 entries during the Raffle Period for the Credit Union Quarterly Prize Drawings. drawing prize structure at any time Credit Unions may change their monthly l Save to Win account during the year, so long as notification of the change is provided to al holders. ulated at month- Automatic Entries will be recorded by participating credit unions once the balance is calc end processing. Qualifying deposits/balances must be received and posted by the participating Credit Union by midnight Eastern Time on the last day of each month end. Automatic e ntries are only eligible to win during the drawing period covered. Except for making deposits as described, no other action, and no other purchase or other consideration, is necessary for an entry into the prize drawing. 2. Qualifying Certificate Account : Participating credit unions will establish Qualifying Certificate Accounts. A Qualifying Certificate Account may be either a share certificate or a certificate of deposit depending on the acc ount structure of the credit union. Rates and other terms and conditions of a Qualifying Certificate Account may vary from credit union to credit union. A participating member is limited to one (1) Qualifying Certificate Account at one (1) participating cr edit union, with a minimum opening deposit. A minimum balance of $25 must be maintained in the share certificate in order to remain open. Participating members may deposit unlimited funds in a Qualifying Certificate , provided that prize entries and eligibility are limited as set forth in these rules. A participating osits Account, with an unlimited number of dep member may make a maximum of one (1) withdrawal from their Qualifying Certificate Account during any twelve (12) month period, with an early withdrawal penalty fee of $25. More than one (1) withdrawal within any twelve (12) month period will result in the disqualification of the participating member’s Qualifying Certificate Account from consideration for subsequent prizes and the participating member’ s forfeiture of and will result in the closure of the Qualifying Certificate Account. any and all entries for monthly and quarterly prizes : Corporations, limited liability companies, partnerships, associations, sole proprietorships, trusts , business and labor 3. Prize Eligibility (i) participating credit of organizations, other public or private entities, as well as officers, directors and employees (including joint accounts) and (ii) vendors of such credit unions are not eligible to receive P rizes from the Central Drawings or Prizes from the C redit Union unions . Employees of the Credit Union with a Qualifying Certificate Account may win prizes from the Credit Union as part of a separate Drawings drawing. All participants must be at least of sufficient age to enter into a binding contract (18 in most states) , a resident of a state in which the principal place of business of one or more participating credit unions is located and be a member with a regular share account dual for membership) , in good standing in the participating credit union. To (the account which qualifies the indivi win a P rize in a drawing, a participant’s Qualifying Certificate Account must be open and active through the drawing period. A participating member is limited to winning one Centr al Monthly Prize per month and one Central Quarterly Prize per quarter . A participating member is eligible to win both a Central Prize and a Credit Union Prize in the If the Qualifying Certificate Account is same drawing month or quarter. owned by more than one member, only the primary member under whose taxpayer identification number earnings on the account would be reported to the Internal Revenue Service should such reporting be required for the account is entitled to win a Prize. All transactions consti tuting Raffle entries must occur within a state in which the principal place of business of one or more participating credit unions is located. Before receiving any prize, a participant must confirm eligibility by verifying identity, age and certifying that all transactions constituting Raffle entries occurred within a state in which the principal place of business of one or more participating credit unions is If the participant fails to do so within thirty (30) days after the account holding credi located. t union notifies the participant that the participant is a winner, the participant shall forfeit the prize involved and alternate winner. the prize will be awarded to the first If a member with a such member will continue to be the account holder but deposits to the account will Qualifying Certificate Account is ineligible for the Raffle, not constitute qualifying Raffle entries. Exhibit B: Save to Win 9/05/18 Official Rules Template | Last Updated: 0 ®

2 4. Prizes Prizes from the Central Drawing s and cash Prizes from the Credit Union Drawings will be deposited into the winner’s : All cash account . Cash Prizes may not be deposited in the member’s Qualifying Certificate Account. All Central Drawing winners and savings winners from the Credit Union Drawings will be selected from among all participants in the Raffle Drawings. Central Monthly and Quarterly Drawings , for which valid entries will be will be conducted within fourteen (14) days of the conclusion of the previous month/quarter determined. Winners will be notified via telephone, email, or standard U.S.P.S. mail. Prizes are non- transferrable. You need not be present at the drawing to win. Each Credit Union is responsible for providing an IRS 1099 MISC form to their members who have received prizes from the Central Drawings or prizes from the Credit Union Drawings that are equal to or more than $600 for the given tax year. Each Credit Union is responsible for paying out all Prizes to its winning members from the Central Drawings and the Credit Union Drawings. Prize amounts for Credit Union Drawings are listed below. A complete list of Central Drawing Prizes as applicable from time to time will be listed consumer website. on the www.savetowin.org CHRISTIAN FINANCIAL CREDIT UNION PRIZE DRAWING S: Credit Union Prize Drawing s totaling $6,000 dollars annually w ith prizes each month will be awarded to winning members as follows: TWO (2) WINNING ENTRIES WILL BE RANDOMLY SELECTED TO RECEIVE A $ CASH PRIZE EACH MONTH 100 FOUR (4 ) WINNING ENTRIES WILL BE RANDOMLY SELECTED TO RECEIVE A $50 CASH PRIZE EACH MONTH FOUR (4) WINNING ENTRIES WILL BE RANDOMLY SELECTED TO RECEIVE A $25 CASH PRIZE EACH MONTH 5. Odds : Actual odds of winning are based upon the number of eligible entries received. Each eligible entry shall have a chance of winning Central and Quarterly Prizes that is equal to that of all other entries in the Raffle. For Christian Financial Credit Union Prizes, each Monthly eligible entry shall have a chance of winning that is equal to that of all other entries within the same participating credi t union. Except for making deposits as described, taking any other action, or purchasing any goods or services, will not increase the odds of winning. 6. Prize Administration and Research Study. Save to Win® entries and prize drawings are submitted to and conducted by CU Solutions Incorporated The -profit credit union trade association. (CUSG), an affiliate of the Michigan Credit Union League (MCUL), a non Group, Commonwealth, which entails the study of information about and Save to Win® program is part of an ongoing research project of CUSG linked savings programs and savings habits of consumers. To participate in the raffle, the entrant’s social security number is prize- transmitted by the Credit Union via a secure data sharing process and then replaced wi SG for raffle and th a new unique identifier by CU reporting purposes. The entrant’s social security number will be deleted from the file by CUSG as soon as it is securely encrypted and is not stored on any third- system or accessible by third party administrators. Information provided to CUSG by the credit unions for entrants party under the Save to Win® program will be shared with Commonwealth for research purposes. It will not be shared with any other entity or unless an individ ual program participant has authorized used for any other purpose, of such information in disclosure writing to Commonwealth and any third parties, and only to extent of such authorization. 7. Decisions : By entering into the Raffle, entrants agree to abide by and be bound by thes e Official Rules and to accept the decisions of CUSG and the participating credit unions as final. Entrants also agree to hold each participating credit union, and each third party contributing funds and/or services to the Raffle (collectively and hereinaf ter referred to as the “Parties”) and each of their officers, directors, employees, members and representatives, and agents harmless from any liability arising from participation, or the acceptance of a prize. The Parties and each of their officers, direct ors, employees, members, representatives, and agents are not responsible for any negligence, claims, liability, injury, property loss, or other damages of entrants and/or winners arising from, or in connection with, ac ceptance of prizes awarded or participation in this Raffle. The participating credit unions reserve the right to disqualify entrants who fail to follow these Offic ial Rules or who make any misrepresentations relative to the Raffle and prize redemption. 8. Publicity : Each winner agrees to per mit the Parties to use his/her name and likeness in promotional and other materials, without additional compensation or permission, except where prohibited by law. Each winner also agrees that his/her name and prize am ount will be given to other entrants upon request. Compliance with Law 9. : All issues and questions concerning the construction, validity interpretation, and enforceability of these Official Rules, or the rights and obligations of entrant and the Parties in connection with the Raffle, shall be governed by, and construed in accordance with, the substantive laws of the State of Michigan , without regard to its choice of law principles . Matters solely between a participating credit union and its members and matters concerning the legality of a participating credit union participating in the Raffle shall be governed by, and construed in accordance with, the substantive laws of the state in which the credit union’s principal place of business is located without regard to its choice of law principles . This raffle is void where and to the extent prohibited by law. 10. Taxes : Winner is solely responsible for all applicable federal, state and local taxes and any expenses associated with the prize, unless otherwise indicated. 11. : The Pa rties may agree to substitute prizes of equivalent value, amend the rules or discontinue the Raffle at any time. Miscellaneous The Parties disclaim any responsibility to notify entrants of any aspect related to the conduct of the Raffle. Written copies of these rules ar e available duri ng normal business hours at any Christian Financial Credit Union location. Copies of the authoritative and updated rules are website and any other available at www.savetowin.org . In the event of any conflict between the r ules posted on the www.savetowin.org version of the rules, the version posted on the Save to Win website will be considered the definitive and controlling version. Credit Union is the sponsor of this promotion. Christian Financial mal 12. Sponsor: Written copies of these rules are available during nor Credit Union location. Copies of the authoritative and updated rules are available at business hours at any Christian Financial . www.savetowin.org Exhibit B: Save to Win 9/05/18 Rules Template | Last Updated: 0 Official ®

3 Exhibit B: Save to Win ® Official Rules Template | Last Updated: 0 9/05/18

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