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Offers and Promotions

Contest
Jack O'- Lantern Contest
Have your child carve, paint, or decorate a jack-o'-lantern, upload your photo to MSUFCU's Jack-O'-Lantern Photo Contest, and they could win a $100 1-Year Add-On Certificate.
1) Have your child carve, paint, or decorate a jack-o'-lantern and take a photo.
2) Upload your photo to MSUFCU's Jack-O'-Lantern Photo Contest October 15-November 1, 2020.
3) Vote for your child's creation on MSUFCU's Facebook page November 2-13, 2020. The photo with the most votes will win a $100 1-Year Add-On Certificate.

Jack O'- Lantern Contest

Disclosures
FULL CONTEST DETAILS

PROMOTION PERIOD
The Jack-O-Lantern Photo Contest begins at midnight ET 10/15/2020 and ends at noon ET 11/13/2020.

ELIGIBILITY
No purchase or transaction is necessary, and there is a limit of one entry per account. Employees and immediate family members of MSUFCU and contest sponsors, as well as MSUFCU board and committee members and their immediate family members, are not eligible. Member must be between the ages of 11 and 17 to be eligible to win.

WINNER SELECTION/ODDS
The photo with the most likes at the end of the voting period will receive the grand prize. Winner will be notified by email and/or phone and have 5 business days to respond. Failure to respond in 5 business days will result in the selection of a new winner.

HOW TO ENTER
To enter, visit MSUFCU.org/jackolantern to submit a photo of your childs jack-o-lantern.

PRIZES AND ACTUAL RETAIL VALUES
The grand prize is valued at $100.

Prizes may not be substituted or transferred. MSUFCU is not responsible for:
• Lost, late, illegible, mutilated, or misdirected entries
• Entries not received in time for the selection of the winner
• Technical hardware or software
• Lost or unavailable network connections
• Failed, incomplete, garbled, or delayed computer transmissions that may limit a users ability to participate in this contest

Liability for any applicable federal, state, or other taxes will be the sole responsibility of the winner and no prize will be awarded without receipt of the proper legal paperwork as determined by MSUFCU.

GENERAL RELEASE FORM
Each winner must sign a release form agreeing:
• To allow MSUFCU, unless prohibited by law, to use his/her name, city and state of residence, photograph, and/or likeness for advertising trade and/or any other purposes in any media now or hereafter known without further compensation, permission, or notification. All images are the exclusive property of MSUFCU.
• That aforementioned parties and their respective officers, directors, shareholders, employees, representatives, and agents shall have no liability and will be held harmless by entrant for any claim, action, liability, loss, injury, or damage to entrant or any other person or entity. This includes personal injury or death to entrant or any other person or damage to personal or real property due to the acceptance, possession, use, or misuse of a prize and any travel or travel-related activity thereto or participation in this promotion.

GENERAL CONDITIONS
MSUFCU reserves the right to modify, suspend, and/or terminate this contest should viruses, bugs, nonauthorized human intervention, or other causes beyond the control of MSUFCU, corrupt or impair the administration, security, fairness, or proper play of the contest. In case of suspension or termination, a notice will be posted, and, at MSUFCU's discretion, winners will be selected from eligible nonsuspect entries received before the event was suspended or terminated. MSUFCU reserves the right to disqualify any entrant if his/her fraud or misconduct affects the integrity of the contest or fails to remain in good standing with MSUFCU.

MSUFCU maintains the right to change or modify these rules at any time without notice. MSUFCU is not responsible for any typographical or other error in the printing of the offer, administration of the contest, or in the announcement of any and all prizes. By participating, entrants agree to these official rules and to the decisions of the results of the contest, which will be final and binding in all respects.