Offers and Promotions

Please read these rules carefully. Within these rules, the words "we," "us," and "our" refer to Michigan State University Federal Credit Union (Credit Union). The words "you" and "your" refer to any eligible participant in this promotion. By participating in this promotion, you agree to these official rules and to the results of the promotion, which will be final and binding in all respects.

PROMOTION PERIOD
The Seminar Series Sweepstakes begins at midnight ET 12/01/2023 and ends at 11:59 PM ET12/31/2023.

ELIGIBILITY
This promotion is open to members of the Credit Union who are 18 years or older. No purchase is necessary, nor will a purchase improve an individual's chance of winning. Employees, Board Members, and Supervisory Committee Members of the Credit Union and affiliated CUSOs, as well as promotion sponsors, are not eligible.

WINNER SELECTION/ODDS
Winner(s) will be drawn within 10 business days from 11/30/2023 by the Credit Union, whose decision is final. Chances of winning are based on the number of entries received. For example, if 1,000 entries are submitted and there is only one prize, then the chance of winning is 1 in 1,000. Winner(s) will be notified by email, phone, or (if applicable) direct message on the social media platform where the sweepstakes is held and has 5 business days to respond. Failure to respond within 5 business days will result in the selection of a new winner. Winner must sign a release and consent form. If we do not receive the completed release and consent form within 10 calendar days of the date the winner was first called or emailed about their prize, a new winner will be selected. A winners list will be available at msufcu.org/winners. Please see our contact information below.

HOW TO ENTER
To enter, attend one MSUFCU Seminar Series events during November except for events presented by MSUFCU Financial Solutions LPL Advisors, which are excluded from the sweepstakes. Attendees will receive one entry for each eligible event they attend.. Alternatively if you do not attend an eligible event, you may submit up to four entries by sending a 3-inch by 5-inch card with the sweepstakes name and your name, address, phone number, and email address to: MSU Federal Credit Union, ATTN: Marketing Department - Seminar Series Sweepstakes, 3777 West Rd., East Lansing, MI 48826-9946.

We are not responsible or liable for:
• Lost, late, illegible, mutilated, or misdirected entries,
• Entries not received in time for the selection of the winner,
• Technical hardware or software needed to enter,
• Lost or unavailable network connections that impair or prevent entry, or
• Failed, incomplete, garbled, or delayed computer transmissions that may limit a user's ability to participate in this promotion.

PRIZES AND ACTUAL RETAIL VALUES
The prize is a $50 VISA Gift Card. The prize may not be substituted or transferred except at our discretion. We are not responsible for the winner's receipt or use of the prize, and have neither made nor are in any manner responsible or liable for any warranty, representation, or guarantee, expressed or implied, in fact or in law, relative to the prize including, but not limited to, its quality or availability. Liability for any applicable federal, state, or other taxes, or any other costs, will be the sole responsibility of the winner and no prize will be awarded without receipt of the proper legal paperwork as determined by us.

GENERAL RELEASE FORM
Each winner must sign a release form agreeing:
• To all terms and conditions related to this promotion.
• To allow us, 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 our exclusive property.
• 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
We reserve the right to modify, suspend, and terminate this promotion for any reason, including but not limited to viruses, bugs, nonauthorized human intervention, or other causes beyond our control, that corrupts or impairs the administration, security, fairness, or intended procedures of the promotion. In case of suspension or termination, a notice will be posted, and, at our discretion, winners will be selected from eligible nonsuspect entries received before the event was suspended or terminated. We reserve the right to disqualify any entrant if it suspects that their actions affect the integrity of the promotion or if the entrant fails to remain in good standing with us.

We maintain the right to change or modify these rules at any time without notice. We are not responsible for any typographical or other error in the printing of the offer, administration of the promotion, or in the announcement of any and all prizes.

Any legal challenge to this promotion must be filed within 6 months of the end of the promotion. Such legal challenge will be waived if not filed within such period. Participation in the promotion constitutes a participant's agreement to the 6 month limitation period.

This sweepstakes is not sponsored by or associated with any other organization, including any social media platform where the sweepstakes is promoted, and you release such other organizations from liability arising out of or relating to this promotion.

Void where prohibited.

CONTACT INFORMATION
If you have any questions, please contact us at:

MSUFCU, ATTN: Marketing Department - Seminar Series Sweepstakes, 3777 West Rd., East Lansing, MI 48826-9946.