MSGCU’S EVERYDAY EXTRAS SWEEPSTAKES OFFICIAL RULES

MSGCU’s Everyday Extras Sweepstakes (the “Sweepstakes”) is a prize-linked promotion offered by Michigan Schools and Government Credit Union (the “Credit Union” or “MSGCU”), whereby you may win weekly or monthly prizes by using your MSGCU Visa Debit Card or MSGCU Visa Credit Card “MSGCU Visa Card”). The following Official Rules (“Official Rules”) apply to all participants (“Sweepstakes Participants”) and to all prize recipients (“Prize Recipients”).

PROMOTIONAL PERIOD

The Sweepstakes will begin at t 8:00:00 AM on 7/1/2020, and will end at 11:59:59 PM on 12/31/2020 (“Promotional Period”). All times are Eastern Standard Time as observed in Clinton Township, Michigan

HOW TO ENTER

During the Promotional Period, the Sweepstakes will be conducted in both weekly and monthly phases.

Weekly Sweepstakes. Each week during the Promotional Period, Sweepstakes Participants who use their MSGCU Visa Debit Card or MSGCU Credit Card (“MSGCU Visa Card”) to make any online or in-store purchase of goods and/or services (“Qualifying Purchases”) will be automatically entered into the prize drawing for that particular week (“Weekly Sweepstakes Period”). Sweepstakes Participants will receive one (1) entry for each Qualifying Purchase made during the Weekly Sweepstakes Period. In order to be a Qualifying Purchase during any Weekly Sweepstakes Period, the transaction must post/settle to the Sweepstakes Participant’s account during that Weekly Sweepstakes Period. The first Weekly Sweepstakes Period will commence at 12:00:00 AM on 7/6/2020 and will end at 11:59:59 PM on July 12, 2020. Subsequent Weekly Sweepstakes Periods will follow the same pattern, with the last Weekly Sweepstakes Period commencing at 12:0:00 AM on December 28, 2020 ending at 11:59:59 on December 31, 2020. Weekly Sweepstakes drawings will be held every Wednesday commencing on July 15, 2020 and ending on January 6, 2021. A complete schedule of the Weekly Sweepstakes Periods is attached to these Official Rules.

Monthly Sweepstakes. Each month during the Promotional Period, MSGCU will establish a specific qualifying action (“Qualifying Action”) to be completed by Sweepstakes Participants during that month. Sweepstakes Participants completing the Qualifying Action during that calendar month will be automatically entered into the prize drawing for that particular month (“Monthly Sweepstakes Period”). Sweepstakes Participants will receive one (1) entry for each Qualifying Action completed during the Monthly Sweepstakes Period. In order to be a Qualifying Action during any Monthly Sweepstakes Period, the Qualfying Action must post/settle to the Sweepstakes Participant’s account during that Monthly Sweepstakes Period. The first Monthly Sweepstakes Period will commence at 12:00:00 AM on 7/1/2020 and will end at 11:59:59 PM on July 31, 2020. Subsequent Monthly Sweepstakes Periods will follow the same pattern, with the last Monthly Sweepstakes Period ending at 11:59:59 on December 31, 2020.

December Qualifying Action: During the December Promotional Period, Sweepstakes Participants will be automatically entered into the prize drawing for the December Sweepstakes Period when they use their MSGCU Visa Card to make 10+ purchases. Sweepstakes Participants will receive one (1) entry for each such Qualifying Action made during the December Sweepstakes Period. In order to be a Qualifying Action, the transaction must post/settle to the Sweepstakes Participant’s account during the December Sweepstakes Period which commences at 12:00:00 AM on 12/1/2020 and will end at 11:59:59 PM on 12/31/2020.

Future Monthly Qualifying Actions: We will provide information on Future Monthly Qualifying Actions by the 25th day of the month preceding the next Monthly Sweepstakes period. For example, information on the August Qualifying Action will be available on 7/25/2020. Information availability for subsequent Monthly Qualifying Actions will follow the same pattern. The information will be posted at msgcu.org/disclosures-and-fees/everyday-extras-official-rules. The information can also be obtained by calling us at 866.674.2848.

All Qualifying Purchases and all Qualifying Actions resulting in an automatic entry during any Weekly Sweepstakes Period or Monthly Sweepstakes Period will be deemed to be made by the primary person in whose name the associated checking account or credit line was issued.

ELIGIBILITY

The Sweepstakes is open only to legal residents of the 50 United States and D.C., 18 or older as of 7/1/2020. Void in Puerto Rico and where prohibited. Michigan Schools and Government Credit Union (“MSGCU”) members, affiliates, shareholders, officers, directors, agents, representatives, and employees and each of their immediate family members (spouse, parents, children, siblings, and their respective spouses, regardless of where they live) and individuals living in the same households of each of these individuals (“MSGCU Team Members”), whether related or not, are eligible to participate in the Sweepstakes providing they are in good-standing with the credit union and they meet the legal residency and age eligibility requirements set forth in this section. The Sweepstakes is subject to all applicable federal, state, and local laws. U.S. law governs this Sweepstakes.

ALTERNATIVE METHOD OF ENTRY

No purchase or obligation is necessary to enter or win the Sweepstakes. Instead of the entering the Sweepstakes by the automatic means described above, you may enter any Weekly Sweepstakes or Monthly Sweepstakes without purchase or obligation by U.S. Mail. To enter by mail, you must hand-print “MSGCU’s Everyday Extras Sweepstakes”, the date of the Weekly or Monthly Sweepstakes Period in which you wish to enter, your name, address, city, state, ZIP code, and daytime and evening telephone numbers (including area code), on a 8.5" x 11" sheet of paper, and mail, in a #10 envelope with sufficient first class postage affixed, to: MSGCU Marketing, 4555 Investment Drive, Suite 100; Troy, MI 48098.

You may enter as often as you wish; however, each mail-in entry will count as one (1) entry into the drawing and must be mailed in a separate postmarked-and-stamped envelope. In addition, in order to be considered for entry into any Weekly or Monthly Sweepstakes, your entry must indicate the Weekly or Monthly Sweepstakes Period in which you wish to enter and it must be received by us during that Weekly or Monthly Sweepstakes Period. Entries received prior to the commencement of, or after the termination of the applicable Weekly or Monthly Sweepstakes Period will not be entered into the drawing.

Proof of mailing does not constitute proof of delivery. Entries that are mechanically or electronically reproduced, copied, illegible, incomplete, or inaccurate and entries by any means which subvert the entry process are void. Entries become the property of MSGCU and will not be acknowledged or returned. Entries not complying with these Official Rules are subject to disqualification at the MSGCU’s sole discretion.

DETERMINATION OF WINNERS

Except as otherwise set forth in these Official Rules, one (1) weekly Prize winner will be selected in a random drawing from among all eligible automatic and mail-in entries received during the applicable Weekly Sweepstakes Period, and one (1) monthly Prize winner will be selected in a random drawing from among all eligible automatic and mail-in entries received during the applicable Monthly Sweepstakes Period.

In the event an MSGCU Team Member is selected as a Prize Winner in any Weekly or Monthly Sweepstakes Period random drawing, an additional name or names will be drawn at random until a Prize Winner that is not an MSGCU Team Member is drawn. In such event, there will be more than one Prize Winner for that Weekly and/or Monthly Sweepstakes Period, with all persons whose names are drawn receiving a Prize.

All random drawings will be conducted by MSGCU. MSGCU decisions are final and binding on matters relating to this Sweepstakes. Prize winners will be notified by telephone and/or email within 48 hours of each drawing. Winners will be required to sign an affidavit of eligibility/liability release, a publicity release where legal, and federal and state tax releases, and return these documents, properly executed, via secure email or fax, within 48 hours of notification. Non-compliance within this time frame and/or with these Official Rules; MSGCU‘s inability to contact a Prize winner within a reasonable time period; or if a Prize notification returned as undeliverable will result in disqualification and, at MSGCU’s discretion, the Prize may be awarded to an alternate winner.

ODDS

The actual odds of winning a prize depend upon the total number of eligible entries received during the promotional period. NO PURCHASE OR OBLIGATION NECESSARY TO ENTER OR WIN. NON-PURCHASE ENTRIES HAVE AN EQUAL CHANCE OF WINNING.

PRIZE

Except as otherwise set forth in these Official Rules, MSGCU will award one (1) $150.00 Prize to the winner selected in each Weekly Sweepstakes Period, and will award one (1) $1,000.00 Prize to the winner selected in each Monthly Sweepstakes Period (“Prizes”).

In the event an MSGCU Team Member is selected as a Prize Winner in any Weekly or Monthly Sweepstakes Period random drawing, an additional name or names will be drawn at random until a Prize Winner that is not an MSGCU Team Member is drawn. In such event, there will be more than one Prize Winner for that Weekly and/or Monthly Sweepstakes Period, with all persons whose names are drawn receiving a Prize.

If the Prize Winner is a MSGCU member, the Prize will be deposited into the Winner’s MSGCU membership account. If the Prize Winner is not a MSGCU member, then the Prize will be awarded by means of an MSGCU Visa Gift Card. Any and all other costs and expenses associated with prize acceptance and use not specifically stated within these Official Rules as being provided, are the sole responsibility of the winner, including, without limitation, all federal, state, and local taxes. If winner is at least 18 but still considered a minor in his/her state or place of residence, the Prize may be awarded in the name of his/her parent or legal guardian, who will be responsible for fulfilling all requirements imposed on the Prize winner as set forth herein. Prize details are at MSGCU’s sole discretion.

PRIZE CONDITIONS

The potential prize winners are required to agree to a Media/Publicity Release within seven (7) business days of notification, or the prize may be forfeited and an alternate potential winner selected. In Sponsor’s sole discretion, if a potential prize winner cannot be notified, or if a potential prize winner fails to return a completed required document within the specified time period, or if a potential prize winner is not in compliance with these Official Rules, then such person shall be disqualified and an alternate winner will be selected for the prize at issue. The Sponsor reserves the right in its sole and absolute discretion to substitute the prize with another prize of equal or greater value in the event that the prize (or any component thereof) is not available as determined by the Sponsor in its sole and absolute discretion.

USE OF DATA

All information submitted will be treated according to MSGCU’s Privacy Policy, available at https://www.msgcu.org/privacy. By participating in the Sweepstakes and providing your contact information, all persons entering hereby agree to MSGCU’s collection and usage of their personal information and acknowledge that they have agreed to be bound by MSGCU’s Privacy Policy.

CONDITIONS OF PARTICIPATION

MSGCU makes no representations or warranties of any kind with respect to the Sweepstakes. Any warranty, express or implied, is hereby excluded and disclaimed. MSGCU is not responsible for lost, late, illegible, misdirected, inaccurate, incomplete, undelivered, damaged, delayed, garbled, postage-due, or stolen mail, entries, and transactions; for transactions that are lost, misdirected, or fail to enter into the processing system, or are processed, reported, or transmitted late or incorrectly; or for any other errors or problems of any kind, whether typographical, printing, mechanical, human, electronic, or otherwise, relating to or in connection with the Sweepstakes, including, without limitation, any error or problem that may occur in connection with the administration of the Sweepstakes, the processing of entries, the announcement of Prizes, or in any Sweepstakes-related materials. Entries that have been tampered with or altered are void. MSGCU reserves the right, in its sole discretion, to cancel or suspend part or all of this Sweepstakes at any time without notice and for any reason including, if in the MSGCU’s opinion there is any suspected or actual evidence of electronic or non-electronic tampering with any portion of the Sweepstakes, or if virus, bugs, non-authorized human intervention or other causes corrupt or impair the administration, security, fairness, or integrity and proper play of the Sweepstakes. In the event of cancellation, MSGCU may void any entries it suspects are at issue and, at its discretion, if terminated, award Prizes in a random drawing from among all non-suspect, eligible entries received up to the date of cancellation. Caution: Any attempt by an Sweepstakes Participant or any other individual to damage or undermine the legitimate operation of the Sweepstakes may be in violation of criminal and civil laws and, should such an attempt be made, MSGCU reserves the right to seek any and all remedies available from any such person to the fullest extent permitted by law, including criminal prosecution. MSGCU’s failure to enforce any term of these Official Rules shall not constitute a waiver of that or any other provision. MSGCU reserves the right to disqualify Sweepstakes Participants who violate these Official Rules or interfere with this Sweepstakes in any manner. If a Sweepstakes Participant is disqualified, MSGCU reserves the right to terminate that person’s eligibility to participate in the Sweepstakes.

DISPUTES

Except where prohibited, all issues/questions concerning the construction, validity, interpretation, and enforceability of these Official Rules, or the rights and obligations of the Sweepstakes Participants, Prize winners the Indemnified and MSGCU in connection with the Sweepstakes, shall be governed by, and construed in accordance with the laws of the State of Michigan and applicable Federal law. Any dispute arising between MSGCU and any Sweepstakes participant and/or Prize winner and/or any dispute concerning MSGCU’s administration of the Sweepstakes shall likewise be governed by, and construed in accordance with, the substantive laws of the state of Michigan and applicable Federal law. The Sweepstakes is void where and to the extent prohibited by law.

ARBITRATION

Except where prohibited by law, as a condition of participating in this Sweepstakes, Sweepstakes Participants agree that (1) any and all disputes and causes of action arising out of or connected with this Sweepstakes, or any Prizes awarded, shall be resolved individually, without resort to any form of class action, and exclusively by final and binding arbitration under the rules of the American Arbitration Association and held at the AAA regional office nearest the Sweepstakes Participant; (2) the Federal Arbitration Act shall govern the interpretation, enforcement and all proceedings at such arbitration; and (3) judgment upon such arbitration award may be entered in any court having jurisdiction. Under no circumstances will Sweepstakes Participants be permitted to obtain awards for, and Sweepstakes Participants t hereby waive all rights to claim, punitive, incidental or consequential damages, or any other damages, including attorneys' fees, other than Sweepstakes Participant’s actual out-of-pocket expenses (i.e., costs associated with participating in this Sweepstakes), and Sweepstakes Participants further waive all rights to have damages multiplied or increased.

COMPLIANCE WITH LAW

All issues and questions concerning the Drawing, these Official Rules, the rights of the participants in connection with the Drawing, any dispute arising between Sponsor and any Drawing participant and/or any dispute concerning the administration of the Drawing shall be governed by and construed in accordance with the laws of the State of Michigan and applicable Federal law.

TAXES

All Prize winners are solely responsible for all applicable federal, state and local taxes and any expenses associated with the Prizes, unless otherwise indicated.

PUBLICITY

Each Sweepstakes Participant and each Prize winner consents and agrees to permit the Indemnified Parties to use his/her/its name, voice and likeness on promotional and other materials via all forms of media now known or hereafter devised worldwide, in perpetuity, without any further or additional notice, attribution, permission or compensation (other than the Prize(s) won) to the Sweepstakes Participant and/or Prize winner, his/her/its successors or assigns, or any other entity, except where prohibited by law. Each Sweepstakes Participant and each Prize winner also agrees that his/her/its name and/or Prize may be revealed to other Sweepstakes Participants upon request.

RELEASE AND INDEMNIFICATION

By participating in the Sweepstakes, each Sweepstakes Participant releases and discharges MSGCU and its officers, directors, employees, shareholders, members and representatives, and agents (“Indemnified Parties”) harmless from any and all liability whatsoever in connection with the Sweepstakes, including without limitation, legal claims, costs, injuries, losses or damages, demands or actions of any kind (including without limitation personal injuries, death, damage to, loss or destruction of property, rights of publicity or privacy, defamation or portrayal in a false light (collectively “Claims”). Except where prohibited by law, acceptance of a Prize constitutes a release by the Prize winner of the Indemnified Parties of any and all claims in connection with the administration for the Sweepstakes and the use, misuse or possession of any Prize. This limitation of liability is a comprehensive limitation of liability that applies to all damages of any kind, including (without limitation) compensatory, direct, indirect, or consequential damages; loss of data, income or profit; loss of damage to property; and claims of third parties.

LIMITATION OF LIABILITY

IN NO EVENT WILL MSGCU AND/OR THE INDEMNIFIED PARTIES BE RESPONSIBLE OR LIABLE FOR ANY DAMAGES OR LOSSES OF ANY KIND (INCLUDING WITHOUT LIMITATION, DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL, EXEMPLARY OR PUNITIVE DAMAGES) ARISING OUT OF PARTICIPATION IN THE SWEEPSTAKES OR THE ACCEPTANCE, POSSESSION, USE, OR MISUSE OF, OR ANY HARM RESULTING FROM THE ACCEPTANCE, POSSESSION, USE OR MISUSE OF ANY PRIZE.

WINNER’S NAMES

For the names of the winners, mail a self-addressed stamped envelope by January 15, 2021 to: MSGCU Marketing 4555 Investment Drive, Suite 100; Troy, MI 48098.

MISCELLANEOUS

MSGCU reserves the right to amend these Official Rules or discontinue, modify, revise or amend the Sweepstakes at any time. MSGCU disclaims any responsibility to notify Sweepstakes Participants and/or Prize winners of any aspect related to the conduct of the Sweepstakes. Written copies of these Official Rules are available during normal business hours at any MSGCU branch location.

ADMINISTRATOR

Administrator: Michigan Schools and Government Credit Union, MSGCU Marketing 4555 Investment Drive, Suite 100; Troy, MI 48098.

WEEKLY SWEEPSTAKES PERIODS

  • Week 1:  12:00:00 AM ET on 07/06/2020 - 11:59:59 PM ET on 07/12/2020
  • Week 2:  12:00:00 AM ET on 07/13/2020 - 11:59:59 PM ET on 07/19/2020
  • Week 3: 12:00:00 AM ET on 07/20/2020 - 11:59:59 PM ET on 07/26/2020
  • Week 4: 12:00:00 AM ET on 07/27/2020 - 11:59:59 PM ET on 08/02/2020
  • Week 5: 12:00:00 AM ET on 08/03/2020 - 11:59:59 PM ET on 08/09/2020
  • Week 6: 12:00:00 AM ET on 08/10/2020 - 11:59:59 PM ET on 08/16/2020
  • Week 7:  12:00:00 AM ET on 08/17/2020 - 11:59:59 PM ET on 08/23/2020
  • Week 8:  12:00:00 AM ET on 08/24/2020 - 11:59:59 PM ET on 08/30/2020
  • Week 9:  12:00:00 AM ET on 08/31/2020 - 11:59:59 PM ET on 09/06/2020
  • Week 10: 12:00:00 AM ET on 09/07/2020 - 11:59:59 PM ET on 09/13/2020
  • Week 11:  12:00:00 AM ET on 09/14/2020 - 11:59:59 PM ET on 09/20/2020
  • Week 12: 12:00:00 AM ET on 09/21/2020 - 11:59:59 PM ET on 09/27/2020
  • Week 13: 12:00:00 AM ET on 09/28/2020 - 11:59:59 PM ET on 10/04/2020
  • Week 14: 12:00:00 AM ET on 10/05/2020 - 11:59:59 PM ET on 10/11/2020
  • Week 15: 12:00:00 AM ET on 10/12/2020 - 11:59:59 PM ET on 10/18/2020
  • Week 16: 12:00:00 AM ET on 10/19/2020 - 11:59:59 PM ET on 10/25/2020
  • Week 17:  12:00:00 AM ET on 10/26/2020 - 11:59:59 PM ET on 11/01/2020
  • Week 18:  12:00:00 AM ET on 11/02/2020 - 11:59:59 PM ET on 11/08/2020
  • Week 19: 12:00:00 AM ET on 11/09/2020 - 11:59:59 PM ET on 11/15/2020
  • Week 20:  12:00:00 AM ET on 11/16/2020 - 11:59:59 PM ET on 11/22/2020
  • Week 21:  12:00:00 AM ET on 11/23/2020 - 11:59:59 PM ET on 11/29/2020
  • Week 22:  12:00:00 AM ET on 11/30/2020 - 11:59:59 PM ET on 12/06/2020
  • Week 23:  12:00:00 AM ET on 12/07/2020 - 11:59:59 PM ET on 12/13/2020
  • Week 24:  12:00:00 AM ET on 12/14/2020 - 11:59:59 PM ET on 12/20/2020
  • Week 25:  12:00:00 AM ET on 12/21/2020 - 11:59:59 PM ET on 12/27/2020
  • Week 26:  12:00:00 AM ET on 12/28/2020 - 11:59:59 PM ET on 12/31/2020

MONTHLY SWEEPSTAKES PERIODS

  • Month 1:  12:00:00 AM ET on 07/01/2020 - 11:59:59 PM ET on 07/31/2020
  • Month 2:  12:00:00 AM ET on 08/01/2020 - 11:59:59 PM ET on 08/31/2020
  • Month 3: 12:00:00 AM ET on 09/01/2020 - 11:59:59 PM ET on 09/30/2020
  • Month 4: 12:00:00 AM ET on 10/01/2020 - 11:59:59 PM ET on 10/31/2020
  • Month 5: 12:00:00 AM ET on 11/01/2020 - 11:59:59 PM ET on 11/30/2020
  • Month 6: 12:00:00 AM ET on 12/01/2020 - 11:59:59 PM ET on 12/31/2020