2. Odds of winning depend on the number of entries received.
    3. To enter the Drawing, current natural person members in good standing can give completed referral cards to friends. Referral card can be obtaining at any Tech CU branch. When the current member’s referred friend brings the completed referral card to a Tech CU branch and joins in person, or submits the Tech CU online Refer-a-Friend form https://onlineapps.techcu.com/ReferAFriend/RAFChecking_External.aspx and joins Tech CU online, the current member and the new member will each get one entry into the drawing. For the entry to qualify
      1. the referring member must be a legal adult in his or her state of residence and in good standing on all obligations to Tech CU.
      2. the referred member be must
        1. be a legal adult in his or her state of residence;
        2. not have had any membership or account relationship with Tech CU between May 15, 2016, and the contest opening date;
        3. meet Tech CU membership eligibility requirements (go to https://www.techcu.com/Membership/Join-Tech-CU or call (800) 553-0880 for details about membership eligibility); and
        4. join Tech CU with a Savings account with at least a $5 balance. 
    4. For the referring member and referred new member to qualify for any cash new member referral bonuses that Tech CU may make available from time to time, the referral must also satisfy eligibility criteria set forth in then-current promotional materials and other Tech CU-published terms and conditions for such bonuses. Cash referral bonus eligibility criteria may exceed the criteria in Rule 3 for referral-based entries into this Drawing. 
    5. After joining, referred members can get additional entries by referring new members via a method indicated in Rule 3.
    6. You can enter without referring new members or joining Tech CU if you are at least 18 years old and (a) are a member of Tech CU in good standing or (b) are in Tech CU ‘s field of membership and have not previously caused Tech CU any unrestored financial loss. To enter without participating in the new member referral promotion, mail, in a #10 legal-sized envelope, a 3” x 5” card with the following information clearly printed on it, to Home for the Holidays, Tech CU, P.O. Box 1409, San Jose, CA 94109:
      • Your Name
      • Your Residence Address
      • Your Daytime Phone
      • Your Email address
      • Your date of birth
      • The last four digits of your Tech CU member number, or, if not a member but eligible join to Tech CU other than through residence, the name and address of your workplace, school, house of worship or eligible membership organization to which you belong.
    7. Limit one mail entry per envelope
    8. All mailed entries under Rule 6 must be postmarked from November 15, 2016 through December 15, 2016, and received at Tech CU no later than December 23, 2016. Online and card-based referral entries under Rule 3 must be received at Tech CU from November 15, 2016 through December 15, 2016.
    9. Tech CU will not be responsible for incomplete, illegible, lost, damaged or delayed entries or any technical difficulties experienced with the online new member referral system.
    10. Eligible U.S. residents age 18 and over may enter as often as they wish during the contest period, which is November 15, 2016, through December 15, 2016.
    11. No other entry methods permitted.
    12. One winner will be selected from among eligible entries by random drawing conducted by Tech CU’s staff. Winner will be chosen on December 26, 2016. If an ineligible entry is drawn or the winner declines the prize, an alternate winner will be chosen. Tech CU’s determination of eligibility of entries and selection of winner will be final.
    13. Winner will be notified by telephone.
    14. Tech CU will award a single $2,000 cash prize to the eligible winner. If the winner is a Tech CU member, the prize will be deposited to the winner’s Tech CU Savings Account. If the winner is not a Tech CU member, the prize will be awarded in the form of a Tech CU official check payable to the winner. Winners must provide or already have provided Tech CU with a completed, current IRS Form W-9 taxpayer ID number certification or an IRS certificate of exemption before prize can be awarded.
    15. Employees, officers and volunteer officials of Tech CU and members of their immediate families are not eligible to enter or win.
    16. Taxes on prize, if any, are the sole responsibility of the winner.
    17. By entering the drawing, you agree that neither Tech CU nor any of its officers, agents, volunteer officials or employees will be responsible for any claim, injury, loss, or damage to any person or property that arises out of acceptance or use of any prize.
    18. Contest subject to applicable federal and state laws. Void where prohibited.
    19. By entering the Drawing and accepting a prize, you consent to the use of your name and likeness in Tech CU promotional materials.
    20. BY ENTERING THE DRAWING, YOU AGREE TO ARBITRATE DISPUTES ON AN INDIVIDUAL BASIS. YOU GIVE UP YOUR RIGHT TO GO TO COURT AND ASSERT YOUR RIGHTS OR DEFENSES BEFORE A JURY OR COURT JUDGE. YOU ALSO GIVE UP YOUR RIGHT TO ASSERT CLAIMS ON A CLASS OR REPRESENTATIVE BASIS. Any disputes related to this Drawing may be submitted by you or by Tech CU to the American Arbitration Association under its Consumer Arbitration Rules in its office in or nearest to your county of residence. If either you or Tech CU refuse to submit to arbitration upon demand by the other party, the party that seeks enforcement of this arbitration provision against the refusing party will, if successful, recover its costs of doing so (including reasonable attorneys’ fees) from the other party. This Arbitration Agreement is governed by the Federal Arbitration Act. The arbitrator’s decision will be final, binding, and not subject to appeal. The arbitrator’s decision may be entered as a judgment in a court of competent jurisdiction. You expressly waive any rights to claim to claim, punitive, incidental or consequential damages, or any other damages, including attorneys’ fees, other you’re your actual costs associated with participating in this Drawing, and waive all rights to have damages multiplied or increased.
    21. All entries become the property of Tech CU.
    22. To obtain the name of the winner, send a self-addressed stamped envelope to 2016 Home for the Holidays New Member Referral Contest Winner, Tech CU, P.O. Box 1409, San Jose, CA 95109-1409.
    23. Technology Credit Union, 2010 North First Street, San Jose, CA 95131, is the sponsor of this drawing.

    © 2016 Greene & Allison. All rights reserved. Used under license with publisher.

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