Official Rules

Eligibility:

No Purchase Necessary to enter. Neighbors Federal Credit Union’s 2013 Member Appreciation promotion (the "Promotion”) is open only to persons who: (i) are legal U.S. residents in one of the 50 United States or the District of Columbia; and (ii) are 18 years of age or older as of the date of entry; and (iii) have a Neighbors Federal Credit Union ("NFCU”) membership in good standing. Officers, Directors, Employees of NFCU, and their immediate family members (spouse, parents, siblings, and children) are ineligible to win the Prize. The Promotion is void in those states where prohibited by law and is subject to all applicable federal, state, and local laws. By participating in the Promotion, you agree to the terms and conditions contained herein.

Prize:

Twelve (12) $100 Visa gift cards will be awarded and one (1) Grand Prize will be awarded. NFCU will pay, on the Grand Prize winner’s behalf, debts and obligations owed by the Grand Prize winner to business creditors, up to $3,000.00 total. No substitutes, cash equivalents, or transfers of this Prize are permitted. Payments will be made directly to the winner’s creditor(s). If the winner’s debts and obligations total less than $3,000, cash or other credit will not be awarded. Debts and obligations owed to non-businesses/individuals are not eligible. Independent proof of the debts and obligations owed may be required. Debts and obligations for which the winner is a guarantor are not eligible. The winner will be required, as a condition of receiving the Prize, to provide NFCU with his or her social security number so that appropriate reports may be filed with the appropriate taxing authorities. The winner is responsible for any and all tax implications as a result of this Promotion.

How to Enter:

The Promotion Period will begin at 12:01 a.m. on November 4th and end on 11:59 p.m. on November 8th. All eligible persons that complete an entry form at any NFCU branch location or online at www.neighborsfcu.org/destroymydebt during the Promotion Period will be automatically entered into the Promotion. One entry per member.

Drawing:

The Promotion Prize drawing will be held on Wednesday, November 13th. The Winners will be selected by a random drawing from all eligible entries. One entry form will be chosen from the entries received at each of NFCU’s 12 branch locations and one entry form will be chosen from the entries received online. From that pool of 13 entries, one (1) Grand Prize winner will be randomly drawn. The remaining 12 entries will each win the $100 Visa gift card prizes. The drawing will be conducted by a judge or judges designated by NFCU. The odds of winning are dependent on the number of eligible entries received. You need not be present at the drawing to win.

Notification:

The Winner will be notified by telephone or by U.S. Mail at the telephone number or address of record on file with NFCU. NFCU is not responsible for notifications that are not received timely or because of incorrect telephone numbers. The Winner will have a period of thirty (30) days to claim the Prize.

Limitation of Liability:

By participating in the Promotion, each entrant agrees to comply with these Official Rules and that NFCU and its officers, directors, employees, agents, and representatives shall have no liability whatsoever to the entrant or others for injuries, losses or damages of any kind or nature arising out of or resulting from participation in the Promotion or the acceptance, possession, use or enjoyment of any Prize.

If, for any reason, the Promotion is not capable of running as planned, including, but not limited to, tampering, unauthorized intervention, fraud, technical failures, or any other cause(s) beyond the control of NFCU that corrupts or affects the administration, security, fairness, integrity, or proper conduct of the Promotion, NFCU reserves the right in its sole discretion to cancel, terminate, modify or suspend the Promotion.

NFCU reserves the right in its sole discretion to disqualify any entrant, including a Winner, who does not comply with these Official Rules.

Consent to Publicity and Release:

By entering the Promotion, you consent to the release of your name and photo on the Winners List or other NFCU promotional material in the event that you win a Prize, without further compensation, unless such is prohibited by applicable law. You agree to release and hold harmless NFCU, its directors, officers, employees, agents, and representatives from any and all claims of any kind arising directly or indirectly from any publication of the Winners List or any other NFCU promotional material about the Promotion.


   

 

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