Money Matters Incentive Terms and Conditions | Neighbors Federal Credit Union

Money Matters Incentive Terms and Conditions

BUYING A HOME

ENTRANT MUST CLOSE ON A HOME LOAN FINANCED THROUGH NEIGHBORS FCU WITHIN 45 DAYS OF COMPLETION. BY PROVIDING A SUBMISSION, SUBMITTER AGREES TO BE BOUND BY THESE OFFICIAL RULES WHICH SHALL BE FINAL IN ALL RESPECTS.

These incentives encourage the users to participate in the Neighbors FCU “Money Matters” financial education modules. The prize will be redeemable upon completion at the time of closing.

Eligible users will receive:

$250 in lender’s credit that can be applied toward closing costs of a mortgage loan financed through Neighbors Federal Credit Union for completion of the “Buying a Home” modules.

Modules are located at https://neighborscreditunion.everfi-next.net/welcome/members. Incentives are subject to change.

CONTEST TIMING

The contest submission period begins at 12 a.m. CST on January 1, 2020, CT and ends at 11:59 p.m. CST on December 31, 2020. Entries submitted after the end date will not be counted. Neighbors FCU (NFCU) will provide incentive within 45 days of proper entry. NFCU reserves the right to modify or discontinue this incentive program at any time at the sole discretion of NFCU.

ELIGIBILITY

An incentive will be awarded to a submission from the Neighbors Federal Credit Union (NFCU) “Money Matters” financial education modules.  Employees working at NFCU and their immediate family are not eligible to enter. For the purposes of these Rules, “immediate family” means spouses, parents, children, siblings and their respective spouses, regardless of whether they reside in the same household. Submitter must be 18 years or older. Winner must live, work, worship, or attend school in the Neighbors Federal Credit Union service area (nine Louisiana parishes: East Baton Rouge, West Baton Rouge, Ascension, Livingston, Iberville, Pointe Coupee, East Feliciana, West Feliciana, and Saint Helena) and be able to claim prize from a NFCU location if need be. NFCU will not mail or physically deliver any incentive. Membership required to obtain incentive. To receive incentives for completing modules, entrant must be registered the user by creating Money Matters login and password. NFCU reserves sole discretion to determine or alter prize delivery timeline at any time. All NFCU accounts must be in good standing.

TO ENTER

During the contest period, visit https://neighborscreditunion.everfi-next.net/welcome/members. The eligible user must complete all the modules on the “Buying a Home” selection to receive the incentive. Entries are not guaranteed. Neighbors reserves the rights of discretion to define what constitutes proper entry and completion of modules.

Entrant must then also close on a home loan financed through NFCU within 45 days of submission to receive the aforementioned lender’s credit. NFCU reserves all rights to determine what requirements are necessary to obtain incentive.

Email used for “Money Matters” log in, must match member email used to register for the mortgage loan.

SUBMISSION GUIDELINES

Any submission that, in the sole opinion of NFCU, is deemed to be inappropriate for publication is ineligible. Incomplete, illegible, false, deceptive or garbled submissions are not eligible. All submissions become the sole property of NFCU, and will not be acknowledged or returned. By submitting a submission, you agree that your submission is gratuitous and made without restriction, and will not place NFCU under any obligation that NFCU is free to disclose or otherwise disclose the ideas contained in the submission on a non-confidential basis to anyone or otherwise use the ideas without any additional compensation to you. You acknowledge that, by acceptance of your submission, NFCU does not waive any rights to use similar or related ideas previously known to NFCU, or developed by its employees, or obtained from sources other than you. An eligible user is limited to one incentive per incentive type/contest but may receive up to one prize from each incentive type/contest.

PRIZE DETAILS

$250 in lender’s credit that can be applied toward closing costs of a mortgage loan financed through Neighbors Federal Credit Union for completion of the “Buying a Home” modules.

LIMITATIONS OF LIABILITY AND RELEASE

Member cannot receive credit more than once for any individual module incentive. No liability or responsibility is assumed by NFCU or parties donating prizes resulting from submitter’s submission in the contest in or attempt to participate in the contest or ability or inability to upload or download any information in connection with the contest. No responsibility or liability is assumed by the NFCU or the parties donating prizes for technical problems or technical malfunction arising in connection with any of the following occurrences which may affect the operation of the contest: hardware or software errors; faulty computer, cable, satellite, network, electronic, Internet connectivity or other online or network communication problems; errors or limitations of any Internet service providers, servers, hosts or other providers; garbled, jumbled or faulty data transmissions; failure of any online transmissions to be sent or received; lost, late, delayed or intercepted transmissions; inaccessibility of the website in whole or in part for any reason; traffic congestion on the Internet or the website; unauthorized human or non-human intervention of the operation of the contest, including without limitation, unauthorized tampering, hacking, theft, virus, bugs, or worms; or destruction of any aspect of the contest, or loss, miscount, misdirection, inaccessibility or unavailability of an email account used in connection with the contest. NFCU is not responsible for any printing, typographical, technical, computer, network or human error which may occur in the administration of the contest, the uploading, the processing or judging of submissions or votes or the tabulating of votes, the announcement of the prizes or in any contest-related materials. Use of the website is at the user’s own risk. NFCU and parties donating prizes are not responsible for any personal injury or property damage or losses of any kind which may be sustained to user’s or any other person’s computer equipment resulting from participation in the contest. Should any portion of the contest be, in NFCU’s sole opinion, compromised by virus, worms, bugs, non-authorized human intervention, technical failures or other causes which, in the sole opinion of NFCU, corrupt or impair the administration, security, fairness or proper play, or uploading of submissions, NFCU reserves the right at its sole discretion to suspend, modify or terminate the contest, and select the recipients from eligible submissions received prior to action taken or as otherwise deemed fair and appropriate by NFCU. Except where prohibited, acceptance of any prize constitutes winner’s consent to the publication of his or her name, biographical information and likeness in any media for any commercial or promotional purpose, without limitation the Internet, or further compensation. All tax consequences will be the recipient’s responsibility. Recipient must acknowledge that it is their responsibility to report earnings from incentives for tax purposes. By entering, entrant acknowledges that NFCU may provide them with a Form 1099 required for Tax filing purposes. Entrant also acknowledges that before delivery of incentive(s), entrant must provide NFCU with required tax information to fill out Form 1099, including but not limited to social security number or valid tax ID, proper mailing address, and legal full name as provided federal tax documentation.

CONDITIONS OF PARTICIPATION

By participating in the contest, submitters agree (and agree to confirm in writing) (a) to release NFCU donating prizes from any and all claims, damages or liabilities arising from or relating to such submitter’s participation in the contest; and (b) to waive all rights to claim, punitive, incidental, consequential, or any other damages; (c) to acknowledge that eligibility for receiving prize is solely the discretion of NFCU. If a finalist/winner is found to be ineligible or not in compliance with these Official Rules, the prize(s) may be forfeited and an alternate winner may be selected; (d) to claim the prize in person from 12529 Perkins Road, Baton Rouge, LA, 70816.

LOANS AND PAYMENTS

ENTRANT MUST OPEN OR HOLD NEIGHBORS CLEAR ELITE. OR NEIGHBORS CLEAR POINT CREDIT CARD WITH 45 DAYS OF SUBMISSION TO QUALIFY. BY PROVIDING A SUBMISSION, SUBMITTER AGREES TO BE BOUND BY THESE OFFICIAL RULES WHICH SHALL BE FINAL IN ALL RESPECTS.

The incentive encourages the users to participate in the Neighbors FCU “Money Matters” financial education modules. A prize will be redeemable upon completion.
Eligible users will receive:

10,000 reward points added to the user’s Neighbors Clear | Elite or Clear | Point credit card for completion of the “Loans and Payments” modules.
Modules are located at https://neighborscreditunion.everfi-next.net/welcome/members. Incentives are subject to change.

CONTEST TIMING

The contest submission period begins at 12 a.m. CST on January 1, 2020, CT and ends at 11:59 p.m. CST on December 31, 2020. Entries submitted after the end date will not be eligible to receive the incentive. Neighbors FCU (NFCU) will provide incentive within 45 days of proper entry. NFCU reserves the right to modify or discontinue this incentive program at any time at the sole discretion of NFCU.

ELIGIBILITY

The incentive will be awarded upon completion of the “loans and payments” modules. Employees working at NFCU and their immediate family are not eligible to enter. For the purposes of these Rules, “immediate family” means spouses, parents, children, siblings and their respective spouses, regardless of whether they reside in the same household. Submitter must be 18 years or older. Winner must live, work, worship, or attend school in the Neighbors Federal Credit Union service area (nine Louisiana parishes: East Baton Rouge, West Baton Rouge, Ascension, Livingston, Iberville, Pointe Coupee, East Feliciana, West Feliciana, and Saint Helena) and be able to claim prize from a NFCU location if need be. NFCU will not mail or physically deliver any incentive. Membership required to obtain incentive. To receive incentives for completing modules, entrant must be registered the user by creating Money Matters login and password. All incentives must be redeemed within 45 days of module completion. NFCU reserves sole discretion to determine or alter prize delivery timeline at any time. All NFCU accounts must be in good standing.

TO ENTER

During the contest period, visit https://neighborscreditunion.everfi-next.net/welcome/members. The eligible user must complete all the modules located under the “loans and payments” section. Entries are not guaranteed. Neighbors reserves the rights of discretion to define what constitutes proper entry and completion of modules.

Entrant must also hold a Neighbors Clear | Elite or Clear | Point credit card within 45 days of submission. NFCU reserves all rights to determine what requirements are necessary to obtain incentive.

SUBMISSION GUIDELINES

Any submission that, in the sole opinion of NFCU, is deemed to be inappropriate for publication is ineligible. Incomplete, illegible, false, deceptive or garbled submissions are not eligible. All submissions become the sole property of NFCU, and will not be acknowledged or returned. By submitting a submission, you agree that your submission is gratuitous and made without restriction, and will not place NFCU under any obligation that NFCU is free to disclose or otherwise disclose the ideas contained in the submission on a non-confidential basis to anyone or otherwise use the ideas without any additional compensation to you. You acknowledge that, by acceptance of your submission, NFCU does not waive any rights to use similar or related ideas previously known to NFCU, or developed by its employees, or obtained from sources other than you. An eligible user is limited to one incentive per incentive type/contest but may receive up to one prize from each incentive type/contest.

PRIZE DETAILS

10,000 reward points added to the user’s Neighbors Clear | Elite or Clear | Point credit card for completion of the “Loans and Payments” modules.

LIMITATIONS OF LIABILITY AND RELEASE

Member cannot receive credit more than once for any individual module incentive. No liability or responsibility is assumed by NFCU or parties donating prizes resulting from submitter’s submission in the contest in or attempt to participate in the contest or ability or inability to upload or download any information in connection with the contest. No responsibility or liability is assumed by the NFCU or the parties donating prizes for technical problems or technical malfunction arising in connection with any of the following occurrences which may affect the operation of the contest: hardware or software errors; faulty computer, cable, satellite, network, electronic, Internet connectivity or other online or network communication problems; errors or limitations of any Internet service providers, servers, hosts or other providers; garbled, jumbled or faulty data transmissions; failure of any online transmissions to be sent or received; lost, late, delayed or intercepted transmissions; inaccessibility of the website in whole or in part for any reason; traffic congestion on the Internet or the website; unauthorized human or non-human intervention of the operation of the contest, including without limitation, unauthorized tampering, hacking, theft, virus, bugs, or worms; or destruction of any aspect of the contest, or loss, miscount, misdirection, inaccessibility or unavailability of an email account used in connection with the contest. NFCU is not responsible for any printing, typographical, technical, computer, network or human error which may occur in the administration of the contest, the uploading, the processing or judging of submissions or votes or the tabulating of votes, the announcement of the prizes or in any contest-related materials. Use of the website is at the user’s own risk. NFCU and parties donating prizes are not responsible for any personal injury or property damage or losses of any kind which may be sustained to user’s or any other person’s computer equipment resulting from participation in the contest. Should any portion of the contest be, in NFCU’s sole opinion, compromised by virus, worms, bugs, non-authorized human intervention, technical failures or other causes which, in the sole opinion of NFCU, corrupt or impair the administration, security, fairness or proper play, or uploading of submissions, NFCU reserves the right at its sole discretion to suspend, modify or terminate the contest, and select the recipients from eligible submissions received prior to action taken or as otherwise deemed fair and appropriate by NFCU. Except where prohibited, acceptance of any prize constitutes winner’s consent to the publication of his or her name, biographical information and likeness in any media for any commercial or promotional purpose, without limitation the Internet, or further compensation. All tax consequences will be the recipient’s responsibility. Recipient must acknowledge that it is their responsibility to report earnings from incentives for tax purposes. By entering, entrant acknowledges that NFCU may provide them with a Form 1099 required for Tax filing purposes. Entrant also acknowledges that before delivery of incentive(s), entrant must provide NFCU with required tax information to fill out Form 1099, including but not limited to social security number or valid tax ID, proper mailing address, and legal full name as provided federal tax documentation.

CONDITIONS OF PARTICIPATION

By participating in the contest, submitters agree (and agree to confirm in writing) (a) to release NFCU donating prizes from any and all claims, damages or liabilities arising from or relating to such submitter’s participation in the contest; and (b) to waive all rights to claim, punitive, incidental, consequential, or any other damages; (c) to acknowledge that eligibility for receiving prize is solely the discretion of NFCU. If a finalist/winner is found to be ineligible or not in compliance with these Official Rules, the prize(s) may be forfeited and an alternate winner may be selected; (d) to claim the prize in person from 12529 Perkins Road, Baton Rouge, LA, 70816.

MONEY BASICS

ENTRANT MUST OPEN A NEW NFCU CHECKING ACCOUNT WITHIN 45 DAYS OF SUBMISSION. INCENTIVE WILL BE PAID INTO THE NEW CHECKING ACCOUNT AFTER IT HAS BEEN OPENED FOR 30 DAYS AND IS IN GOOD STANDING.

These incentives encourage the users to participate in the Neighbors FCU “Money Matters” financial education modules. The prize will be redeemable upon completion.
Eligible users will receive:

$100 added to a new Neighbors Federal Credit Union checking account after the account has been opened for 30 days for completion of the “Money Basics” modules.
Modules are located at https://neighborscreditunion.everfi-next.net/welcome/members. Incentives are subject to change.

CONTEST TIMING

The contest submission period begins at 12 a.m. CST on January 1, 2020, CT and ends at 11:59 p.m. CST on December 31, 2020. Neighbors FCU (NFCU) will provide incentive within 45 days of proper entry. NFCU reserves the right to modify or discontinue this incentive program at any time at the sole discretion of NFCU.

ELIGIBILITY

The incentive will be awarded to a submission from the Neighbors Federal Credit Union (NFCU) “Money Matters” financial education modules. Employees working at NFCU and their immediate family are not eligible to enter. For the purposes of these Rules, “immediate family” means spouses, parents, children, siblings and their respective spouses, regardless of whether they reside in the same household. Submitter must be 18 years or older. Winner must live, work, worship, or attend school in the Neighbors Federal Credit Union service area (nine Louisiana parishes: East Baton Rouge, West Baton Rouge, Ascension, Livingston, Iberville, Pointe Coupee, East Feliciana, West Feliciana, and Saint Helena) and be able to claim prize from a NFCU location if need be. NFCU will not mail or physically deliver any incentive. Membership required to obtain incentive. To receive incentives for completing modules, entrant must be registered the user by creating Money Matters login and password. Neighbors FCU (NFCU) will provide incentive within 45 days of proper entry. NFCU reserves sole discretion to determine or alter prize delivery timeline at any time. All NFCU accounts must be in good standing.

TO ENTER

During the contest period, visit https://neighborscreditunion.everfi-next.net/welcome/members. The entrant must open their first checking account at NFCU within 45 days before or after the submission. Annual Percentage Yield = [0% – 1.87%], depending on which checking account you open. Entrant may not have an existing checking account at the Credit Union. NFCU will credit the new account after proper submission and after checking account has been held open for 30 days, with a direct deposit and in good standing. Entries are not guaranteed. Neighbors reserves the rights of discretion to define what constitutes proper submission and completion of modules. Commercial and Money Market accounts do not qualify. Member may not hold or be a joint holder of a previously existing checking account. NFCU reserves all rights to determine what requirements are necessary to obtain incentive.

SUBMISSION GUIDELINES

Any submission that, in the sole opinion of NFCU, is deemed to be inappropriate for publication is ineligible. Incomplete, illegible, false, deceptive or garbled submissions are not eligible. All submissions become the sole property of NFCU, and will not be acknowledged or returned. By submitting a submission, you agree that your submission is gratuitous and made without restriction, and will not place NFCU under any obligation that NFCU is free to disclose or otherwise disclose the ideas contained in the submission on a non-confidential basis to anyone or otherwise use the ideas without any additional compensation to you. You acknowledge that, by acceptance of your submission, NFCU does not waive any rights to use similar or related ideas previously known to NFCU, or developed by its employees, or obtained from sources other than you. An eligible user is limited to one incentive per incentive type/contest but may receive up to one prize from each incentive type/contest.

CONTEST JUDGING

Neighbors FCU will determine eligibility upon completion of respective modules. Neighbors reserves rights to determine an entrant ineligible for any reason. NFCU reserves sole discretion to define eligible entrants.

PRIZE DETAILS

$100 added to a new Neighbors Federal Credit Union checking account after the account has been opened for 30 days for completion of the “Money Basics” modules.

LIMITATIONS OF LIABILITY AND RELEASE

Member cannot receive credit more than once for any individual module incentive. No liability or responsibility is assumed by NFCU or parties donating prizes resulting from submitter’s submission in the contest in or attempt to participate in the contest or ability or inability to upload or download any information in connection with the contest. No responsibility or liability is assumed by the NFCU or the parties donating prizes for technical problems or technical malfunction arising in connection with any of the following occurrences which may affect the operation of the contest: hardware or software errors; faulty computer, cable, satellite, network, electronic, Internet connectivity or other online or network communication problems; errors or limitations of any Internet service providers, servers, hosts or other providers; garbled, jumbled or faulty data transmissions; failure of any online transmissions to be sent or received; lost, late, delayed or intercepted transmissions; inaccessibility of the website in whole or in part for any reason; traffic congestion on the Internet or the website; unauthorized human or non-human intervention of the operation of the contest, including without limitation, unauthorized tampering, hacking, theft, virus, bugs, or worms; or destruction of any aspect of the contest, or loss, miscount, misdirection, inaccessibility or unavailability of an email account used in connection with the contest. NFCU is not responsible for any printing, typographical, technical, computer, network or human error which may occur in the administration of the contest, the uploading, the processing or judging of submissions or votes or the tabulating of votes, the announcement of the prizes or in any contest-related materials. Use of the website is at the user’s own risk. NFCU and parties donating prizes are not responsible for any personal injury or property damage or losses of any kind which may be sustained to user’s or any other person’s computer equipment resulting from participation in the contest. Should any portion of the contest be, in NFCU’s sole opinion, compromised by virus, worms, bugs, non-authorized human intervention, technical failures or other causes which, in the sole opinion of NFCU, corrupt or impair the administration, security, fairness or proper play, or uploading of submissions, NFCU reserves the right at its sole discretion to suspend, modify or terminate the contest, and select the recipients from eligible submissions received prior to action taken or as otherwise deemed fair and appropriate by NFCU. Except where prohibited, acceptance of any prize constitutes winner’s consent to the publication of his or her name, biographical information and likeness in any media for any commercial or promotional purpose, without limitation the Internet, or further compensation. All tax consequences will be the recipient’s responsibility. Recipient must acknowledge that it is their responsibility to report earnings from incentives for tax purposes. By entering, entrant acknowledges that NFCU may provide them with a Form 1099 required for Tax filing purposes. Entrant also acknowledges that before delivery of incentive(s), entrant must provide NFCU with required tax information to fill out Form 1099, including but not limited to social security number or valid tax ID, proper mailing address, and legal full name as provided federal tax documentation.

CONDITIONS OF PARTICIPATION

By participating in the contest, submitters agree (and agree to confirm in writing) (a) to release NFCU donating prizes from any and all claims, damages or liabilities arising from or relating to such submitter’s participation in the contest; and (b) to waive all rights to claim, punitive, incidental, consequential, or any other damages; (c) to acknowledge that eligibility for receiving prize is solely the discretion of NFCU. If a finalist/winner is found to be ineligible or not in compliance with these Official Rules, the prize(s) may be forfeited and an alternate winner may be selected; (d) to claim the prize in person from 12529 Perkins Road, Baton Rouge, LA, 70816.

MODULE COMPLETION DRAWING

BY PROVIDING A SUBMISSION, SUBMITTER AGREES TO BE BOUND BY THESE OFFICIAL RULES WHICH SHALL BE FINAL IN ALL RESPECTS. NO PURCHASE NECESSARY.

These incentives encourage the users to participate in the Neighbors FCU “Money Matters” financial education modules. Eligible users will be:

Entered for a chance to win $50 cash or gift card equivalent at the end of each month that a module is completed.

Modules are located at https://neighborscreditunion.everfi-next.net/welcome/members. Incentives are subject to change.

CONTEST TIMING

The contest submission period begins at 12 a.m. CST on January 1, 2020, CT and ends at 11:59 p.m. CST on December 31, 2020. Neighbors FCU (NFCU) will draw for a winner and deliver the prize to the winner with 45 days of the end of the respective month. Drawings will be held once a month. NFCU reserves the right to modify or discontinue this incentive program at any time at the sole discretion of NFCU.

ELIGIBILITY

Winner will be drawn from eligible users who have completed at least one module from Neighbors Federal Credit Union (NFCU) “Money Matters” financial education modules. Limited to one entry per month. Employees working at NFCU and their immediate family are not eligible to enter. For the purposes of these Rules, “immediate family” means spouses, parents, children, siblings and their respective spouses, regardless of whether they reside in the same household. Submitter must be 18 years or older. Winner must live, work, worship, or attend school in the Neighbors Federal Credit Union service area (nine Louisiana parishes: East Baton Rouge, West Baton Rouge, Ascension, Livingston, Iberville, Pointe Coupee, East Feliciana, West Feliciana, and Saint Helena) and be able to claim prize from a NFCU location if need be. NFCU will not mail or physically deliver any incentive. To receive incentives for completing modules, entrant must be registered the user by creating Money Matters login and password. Winner must claim the prize within 45 days of when the respective month ended. NFCU reserves sole discretion to determine or alter prize delivery timeline at any time. All NFCU accounts must be in good standing.

TO ENTER

During the contest period, visit https://neighborscreditunion.everfi-next.net/welcome/members. The eligible user must complete any previously uncompleted module to receive an entry. The user must fill out the Google form available at the end of every module. Entries are not guaranteed. Neighbors reserves the rights of discretion to define what constitutes proper entry and completion of modules.

NFCU reserves all rights to determine what requirements are necessary to obtain incentive.

ALTERNATE ENTRY: Individuals may also enter the contest by hand printing the words “Money Matters” – Neighbors FCU and their full name, address, daytime phone number (including area code), and date of birth on a 3×5 card and mailing it (1 entry per envelope, only 1 entry per household) to: Neighbors FCU, Attn: Kim Chapman Marketing Dept., 8245 YMCA Plaza Blvd., Baton Rouge, LA, 70816. Mail-in entries must be postmarked no later than the end of the respective month. Proof of mailing does not constitute proof of delivery. The 3X5 card MUST BE ENCLOSED IN A NEW STANDARD, BUSINESS SIZE ENVELOPE SIZED AT 4-1/8″ x 9-1/2″. A return address MUST BE on the envelope. NFCU is not responsible for lost, late, incomplete, misdirected, damaged, postage-due, or illegible entries or mail. Mechanically reproduced entries will not be accepted. Alternate entries are limited to one per household. Once submitted, all entries become the property of NFCU and none will be returned.

SUBMISSION GUIDELINES

Any submission that, in the sole opinion of NFCU, is deemed to be inappropriate for publication is ineligible. Incomplete, illegible, false, deceptive or garbled submissions are not eligible. All submissions become the sole property of NFCU, and will not be acknowledged or returned. By submitting a submission, you agree that your submission is gratuitous and made without restriction, and will not place NFCU under any obligation that NFCU is free to disclose or otherwise disclose the ideas contained in the submission on a non-confidential basis to anyone or otherwise use the ideas without any additional compensation to you. You acknowledge that, by acceptance of your submission, NFCU does not waive any rights to use similar or related ideas previously known to NFCU, or developed by its employees, or obtained from sources other than you. An eligible user is limited to one incentive per incentive type/contest but may receive up to one prize from each incentive type/contest.

To enter the drawing for the $50 cash or gift card equivalent, the eligible user must fill out the google form available at the end of each module.

CONTEST JUDGING

The $50 cash or gift card equivalent will be randomly selected by NFCU monthly from eligible entrants. NFCU reserves sole discretion to define eligible entrants.

PRIZE DETAILS

$50 cash or gift card equivalent at the end of each month that a module is completed.

LIMITATIONS OF LIABILITY AND RELEASE

Member cannot receive credit more than once for any individual module incentive. No liability or responsibility is assumed by NFCU or parties donating prizes resulting from submitter’s submission in the contest in or attempt to participate in the contest or ability or inability to upload or download any information in connection with the contest. No responsibility or liability is assumed by the NFCU or the parties donating prizes for technical problems or technical malfunction arising in connection with any of the following occurrences which may affect the operation of the contest: hardware or software errors; faulty computer, cable, satellite, network, electronic, Internet connectivity or other online or network communication problems; errors or limitations of any Internet service providers, servers, hosts or other providers; garbled, jumbled or faulty data transmissions; failure of any online transmissions to be sent or received; lost, late, delayed or intercepted transmissions; inaccessibility of the website in whole or in part for any reason; traffic congestion on the Internet or the website; unauthorized human or non-human intervention of the operation of the contest, including without limitation, unauthorized tampering, hacking, theft, virus, bugs, or worms; or destruction of any aspect of the contest, or loss, miscount, misdirection, inaccessibility or unavailability of an email account used in connection with the contest. NFCU is not responsible for any printing, typographical, technical, computer, network or human error which may occur in the administration of the contest, the uploading, the processing or judging of submissions or votes or the tabulating of votes, the announcement of the prizes or in any contest-related materials. Use of the website is at the user’s own risk. NFCU and parties donating prizes are not responsible for any personal injury or property damage or losses of any kind which may be sustained to user’s or any other person’s computer equipment resulting from participation in the contest. Should any portion of the contest be, in NFCU’s sole opinion, compromised by virus, worms, bugs, non-authorized human intervention, technical failures or other causes which, in the sole opinion of NFCU, corrupt or impair the administration, security, fairness or proper play, or uploading of submissions, NFCU reserves the right at its sole discretion to suspend, modify or terminate the contest, and select the recipients from eligible submissions received prior to action taken or as otherwise deemed fair and appropriate by NFCU. Except where prohibited, acceptance of any prize constitutes winner’s consent to the publication of his or her name, biographical information and likeness in any media for any commercial or promotional purpose, without limitation the Internet, or further compensation. All tax consequences will be the recipient’s responsibility. Recipient must acknowledge that it is their responsibility to report earnings from incentives for tax purposes. By entering, entrant acknowledges that NFCU may provide them with a Form 1099 required for Tax filing purposes. Entrant also acknowledges that before delivery of incentive(s), entrant must provide NFCU with required tax information to fill out Form 1099, including but not limited to social security number or valid tax ID, proper mailing address, and legal full name as provided federal tax documentation.

CONDITIONS OF PARTICIPATION

By participating in the contest, submitters agree (and agree to confirm in writing) (a) to release NFCU donating prizes from any and all claims, damages or liabilities arising from or relating to such submitter’s participation in the contest; and (b) to waive all rights to claim, punitive, incidental, consequential, or any other damages; (c) to acknowledge that eligibility for receiving prize is solely the discretion of NFCU. If a finalist/winner is found to be ineligible or not in compliance with these Official Rules, the prize(s) may be forfeited and an alternate winner may be selected; (d) to claim the prize in person from 12529 Perkins Road, Baton Rouge, LA, 70816.