OFFICIAL RULES
 

“Win Tickets to See Caitlin Clark & the Indiana Fever” Promotion

1. CONTEST & CONTEST SPONSOR
Two game tickets and Visa gift card in the amount of $500.00 to see the Indiana Fever play the Minnesota Lynx on Saturday, August 24, 2024 in Minneapolis, MN. (“Contest”). The sponsor of this Contest is First Federal Credit Union, located at 1035 North Center Point Road, Hiawatha, IA 52233. (“Sponsor”).

2. ELIGIBILITY
The Contest is open to residents of the following counties in the state of Iowa: Clay, Dickinson, and Buena Vista. All entrants must be at least 18 years old at the time of entry. Only one individual’s name may be associated with each entry. Employees of the Sponsor and its media partner (Spencer Radio Group: KICD-FM 107.7) and the immediate family (“immediate family” is defined as spouse, son, daughter, sister, brother, mother, father, step-children, step-siblings and step-parents) of each such employee are not eligible. The Contest is subject to federal, state, and local laws and regulations.
  

3. CONTEST ODDS
The odds of being selected as a Winner depend on the number of entries into Contest. For example: if 1,000 entries are made and only a single entry is made by each entrant, the odds of being a Winner are 1:1,000.
 

4. AGREEMENT TO OFFICIAL RULES
Participation in the Contest constitutes entrant’s full and unconditional agreement to and acceptance of these Official Rules and the decisions of the Sponsor, which are final and binding. Winning the Contest is contingent upon being compliant with these Official Rules and fulfilling all other requirements set forth herein. The Sponsor reserves the right to disqualify a participant if the Contest rules are violated in any way. These Official Rules are also available during regular business hours at Sponsor’s headquarter location: 1035 North Center Pt Road, Hiawatha, IA 52233 or its location at 1100 13th St SW, Spencer, IA 51301 and on the Sponsor’s website, www.firstfedcu.com/contest.

5. CONTEST PERIOD
The Contest begins on June 17, 2024 and ends on August 15, 2024. Entries made before or after the official Contest period will be disqualified. Entries will be accepted for the duration of the Contest period.

6. HOW TO ENTER
To obtain entry into the promotion, visit the First Federal Credit Union office located at 1100 13th Street SW, Spencer, IA during business hours throughout the Contest Period as defined within these rules. Entrants may also register online at firstfedcu.com/contest or may send a 3 x 5 index card that includes their name, mailing address, and e-mail address. Each qualified contestant may enter one time in the contest. Entrant must be eligible for membership in First Federal Credit Union.
 

Additionally, there are three methods to obtain ten (10) bonus entries into the Contest:

   (a)   Bonus Entry Method 1: Entrants that open a NEW product with First Federal Credit Union. New product is defined as the member not having the same product currently with First Federal Credit Union. Checking account, certificate of deposit, mortgage or home equity loan / HELOC, consumer loan, and credit card will qualify for ten bonus entries. Share savings account does not qualify for bonus entry.

   (b)   Bonus Entry Method 2: Entrants may sign up for a direct deposit on an account designated by the Sponsor Direct Deposit must be set up by July 1, 2024 with a minimum deposit of $500. Direct deposits can include payroll, passive income, government benefits payments, and retirement income or other payments as stipulated by the Sponsor. Deposits are Federally Insured by the NCUA

   (c)   Bonus Entry Method 3: Entrants with an active direct deposit of $500 or more already set up on an account designated by the Sponsor can mark on the entry slip “I already have a direct deposit with First Federal Credit Union” at the time of entry.
 

Mail-in entries must be received by August 15, 2024.

NO PURCHASE IS NECESSARY TO PARTICIPATE OR WIN. The Contest is void where prohibited by law.
 

7. PRIZE
First Federal Credit Union will randomly select one (1) winner (“Winner”) that will receive two (2) tickets to the August 24, 2024 WNBA basketball game between the Indiana Fever and the Minnesota Lynx scheduled for 3:00 PM CST at the Target Center in Minneapolis, MN. Additionally, the Winner will receive a Visa gift card in the amount of $500.00 (“Prize”). The approximate retail value of the Prize is $1,000.00. The Winner
will receive their Prize, subject to the Winner complying with all Contest requirements by July 10, 2024. The Winner must be able to receive the tickets to the game via electronic delivery from a ticket distributor web site or mobile app designated by the Sponsor. The Sponsor and other companies associated with the Contest make no claims of merchantability or about the quality of the Prize. The right to receive the Prize is non-assignable, non-transferable and no Prize substitution, exchange or cash equivalent will be allowed, except by the Sponsor,
which reserves the right to substitute a prize of equal or greater value in its sole discretion. If the event associated with the Prize is cancelled after the Prize is awarded, no compensation will be paid in lieu of the cancelled event.

 8. PRIZE DRAWING
Selection of the Winner will take place on August 16, 2024 at which time the selected entrant will be contacted. Entrants do not need to be present to determine the Winner of the Prize.

 9. WINNER NOTIFICATION
The Winner, who will be determined on August 16, 2024, will have until the close of business the following day after notification to claim the Prize. If the Prize is not claimed or the Winner cannot satisfy the requirements of the Official Rules, the Sponsor shall draw an alternative Winner for the unclaimed Prize by random drawing from among all remaining eligible entries.
The Winner will be required to sign a release form in order to claim the Prize, and also provide the Sponsor with a signed statement confirming his or her eligibility under these Rules and applicable law, plus evidence of identity and information necessary for Sponsor to complete its Contest obligations. By claiming the Prize and signing the release form, the Winner releases the Sponsor, their officers, directors, members, employees, subsidiaries and affiliates from any and all claims, liabilities, and/or damages arising directly or indirectly out of the award and/or use of the Prize. The Sponsor is not responsible for illness, death or injury which may be sustained in conjunction with participation in the Contest and/or the use of the Prize awarded.

 10. GENERAL CONDITIONS
In the event that the operation, security, or administration of the Contest is impaired in any way for any reason, including but not limited to fraud or unauthorized human intervention or other technical problems, or in the event that the Contest is unable to run as planned for any other reason, as determined by the Sponsor in its sole discretion, the Sponsor may, in its sole discretion and without notice, either a) modify or suspend the Contest to address the impairment and then resume the Contest in a manner that best conforms to the spirit of these Official Rules or b) award the Prizes at random from among the eligible, non-suspect entries received up to the time of the impairment. The Sponsor reserves the right, at its sole discretion, to disqualify any individual it determines to be tampering with the entry process or operation of the Contest or to be acting in violation of the legitimate operation of the Contest. Such activities may be a violation of criminal and civil law, and should such an attempt be made, the Sponsor reserves the right to seek damages (including attorney fees) and any other remedies from any such person to the fullest extent permitted by law. Failure by the Sponsor to enforce any provision of these Official Rules shall not constitute a waiver of that provision. The decisions of the Sponsor are final.

 11. RELEASE AND LIMITATIONS OF LIABILITY
To the extent permitted by law, all Contest entrants agree to release and hold harmless the Sponsor and its respective parents, subsidiaries, affiliates, advertising and promotion agencies, other companies associated with the Contest, and each of their respective officers, directors, employees, shareholders, representatives, and agents (“Released Parties”) from and against any claim or cause of action arising out of participation in the Contest or receipt and/or use of a Prize. This includes but is not limited to:
(a)    Technical errors associated with the Contest, such as lost, interrupted, or unavailable Internet Service Provider (ISP) access, or network, server, wireless service provider, or related connection errors. Said technical errors may also include the unavailability, limited accessibility, or miscommunication of a failed computer, satellite, telephone, cellular tower, or cable transmission line, or a technical failure or jumbled, scrambled, delayed, or misdirected transmission or computer hardware or software malfunction, or failure;
(b)   Unauthorized human intervention in the Contest;
(c)   Mechanical, electronic, human, and printing and/or typographical errors;
(d)   Application downloads and/or failures;
(e)   Any other errors or problems pertaining to the Contest, including, without limitation, errors that may occur in the administration of the Contest, the announcement of the Winners, the cancellation or postponement of the event, or the incorrect downloading and processing of entries or any Contest-related materials;
(f)   Injury, death, loss, or damage of any kind, to persons and/or property which may be caused, directly or indirectly, in whole or in part, from the entrant’s participation in the Contest or acceptance, receipt, or misuse of a Prize (including any travel or activity related thereto).Entrants further agree that in any cause of action, the Released Parties’ liability will be limited to the cost of entering and participating in the Contest, and in no event shall an entrant be entitled to receive attorney’s fees;
(g)    Incorrect or inaccurate information, whether caused by site users, tampering, hacking, or by any equipment or programming associated with or utilized in the Contest; and
(h)   Lost, stolen, or misdirected U.S. Mail.
Entrant waives the right to claim any damages whatsoever, including, but not limited to, punitive, consequential, direct, or indirect damages.
 

12. DISPUTES
Except where prohibited, each entrant agrees that any and all disputes, claims and causes of action arising out of, or connected with, the Contest or the Prize shall be resolved individually, without resort to any form of class action, and exclusively by the courts of Linn County, Iowa. All issues and questions concerning the construction, validity, interpretation and enforceability of these Official Rules, entrant’s rights and obligations, or the rights and obligations of the Sponsor in connection with the Contest, shall be governed by, and construed in accordance with, the laws of the State of Iowa, without giving effect to any choice of law or conflict of law rules, which would cause the application of the laws of any jurisdiction other than Iowa.

13. LEGAL PROCESS
In the event that the Prize Winner is subject to, or the subject of, any order or legal process issued by any governmental agency having jurisdiction over the affairs of the Winner (e.g., garnishment, child support order, judgment, lien, and the like) the Sponsor’s delivery of the Prize to an official representative of the governmental entity claiming a right to the Prize shall be deemed to be the award of the Prize to the Winner. The Sponsor shall be entitled to rely in good faith upon any documents presented by the official representatives seeking to collect the Prize in lieu of the Winner. The Sponsor shall not be liable for any claim by Winner for damages incidental thereto.

14. FINANCIAL OBLIGATION
The Prize Winner assumes the financial obligation for local, state and federal taxes and all applicable fees based on the value of the Prize. In accordance with IRS regulations, the Winner may be furnished an IRS Form 1099 (miscellaneous income). For additional information, the Winner should consult with their tax advisor.
No other fees, taxes and/or penalties will be paid by the Sponsor in connection with the Contest unless specifically outlined in these Official Rules.
All expenses not specified in these Official Rules, including, but not limited to, ground transportation & fuel, meals, beverages, gratuities, incidentals, and taxes, are the sole responsibility of the Prize Winner. The Winner and any travel companions are solely responsible for satisfying all legally required conditions of travel. Any expenses exceeding the value of the awarded travel voucher are the sole responsibility of the Winner.

15. PRIVACY
Information submitted with a Contest entry is subject to the Sponsor’s privacy policy described at https://www.firstfedcu.com/privacy-policy

16. WINNERS LIST
For the name of the Prize Winner, available after August 16, 2024, send a self-addressed, stamped envelope to:
 

First Federal Credit Union 
Attn: Indiana Fever Contest Winner List
 

1035 North Center Pt Road
Hiawatha, IA 52233