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Bethpage Federal Credit Union:
Bethpage Free Checking Spin For a Chance to Win (“Spin to Win”)
Promotion 2019

OFFICIAL RULES

NO PURCHASE OR PAYMENT NECESSARY TO ENTER OR WIN. A PURCHASE WILL NOT INCREASE YOUR CHANCES OF WINNING. VOID WHERE PROHIBITED BY LAW OR REGULATION. PARTICIPANTS MUST BE 18 YEARS OF AGE OR OLDER AT THE TIME OF ENTRY.

The information you provide will only be used in accordance with the Bethpage Federal Credit Union (“Bethpage” or the “Sponsor”) privacy policy, which may be viewed at https://www.bethpagefcu.com/privacy-policy.aspx.

1. PROMOTION DESCRIPTION: The Bethpage Federal Credit Union (“Bethpage”) Free Checking Spin For A Chance To Win (“Spin to Win”) Promotion 2019 (the “Promotion”) is a promotion where entrants (or “participants”) that provide his/her valid email address and are either: 1) new members that open a new Bethpage Free Checking Account (Free Checking is also called Bonus Checking); 2) existing members without a Bethpage Free Checking Account, who open a new Bethpage Free Checking Account; or 3) current members, new members or non-members that submit a mailed entry, during the applicable Entry Period, as described below and in Section 3 (entitled “How to Participate”), will be emailed to the email address the entrant provided, a link to a digital spin wheel from Bethpage that may contain a chance to win a prize, as described in Section 4 (entitled “Prize and Approximate Retail Value”) below.

The Promotion entry periods are as follows:

1. Entry Period 1 begins on Tuesday, October 1, 2019 at 12:00AM Eastern Time (“ET”) and ends on Monday, October 14, 2019 at 11:59PM ET (“Entry Period 1”).
2. Entry Period 2 begins on Tuesday, October 15, 2019 at 12:00AM ET and ends on Monday, October 28, 2019 at 11:59PM ET (“Entry Period 2”).
3. Entry Period 3 begins on Tuesday, October 29, 2019 at 12:00AM ET and ends on Monday, November 11, 2019 at 11:59PM ET (“Entry Period 3”).
4. Entry Period 4 begins on Tuesday, November 12, 2019 at 12:00AM ET and ends on Monday, November 25, 2019 at 11:59PM ET (“Entry Period 4”)
5. Entry Period 5 begins on Tuesday, November 26, 2019 at 12:00AM ET and ends on Monday, December 9, 2019 at 11:59PM ET (“Entry Period 5”)
6. Entry Period 6 begins on Tuesday, December 10, 2019 at 12:00AM ET and ends on Monday, December 23, 2019 at 11:59PM ET (“Entry Period 6”)

Entrants will be emailed the link to a digital spin wheel and have the time specified below to open and claim the prize if won:

1. For Entry Period 1, the link is emailed to entrant on Monday, October 21, 2019. Entrant will have from Monday, October 21, 2019 through Tuesday, November 19, 2019 to open the digital spin wheel and claim the prize if won.
2. For Entry Period 2, the link is emailed to entrant on Monday, November 4, 2019. Entrant will have from Monday, November 4, 2019 through Tuesday, December 3, 2019 to open the digital spin wheel and claim the prize if won.
3. For Entry Period 3, the link is emailed to entrant on Monday, November 18, 2019. Entrant will have from Monday, November 18, 2019 through Tuesday, December 17, 2019 to open the digital spin wheel and claim the prize if won.
4. For Entry Period 4, the link is emailed to entrant on Monday, December 2, 2019. Entrant will have from Monday, December 2, 2019 through Tuesday, December 31, 2019 to open the digital spin wheel and claim the prize if won.
5. For Entry Period 5, the link is emailed to entrant on Monday, December 16, 2019. Entrant will have from Monday, December 16, 2019 through Tuesday, January 14, 2019 to open the digital spin wheel and claim the prize if won.
6. For Entry Period 6, the link is emailed to entrant on Monday, January 6, 2019. Entrant will have from Monday, January 6, 2019 through Tuesday, February 4, 2020 to open the digital spin wheel and claim the prize if won.

If the prize is not claimed within the applicable periods described above, the prize will be forfeited. Entry Periods 1, 2, 3, 4, 5, and 6 are collectively “Entry Periods” herein. The number of digital spin wheels distributed will depend on the number of valid entries submitted during each Entry Period. Odds of winning a prize depend on the number of valid entries submitted during each Entry Period. Limit one (1) entry per person.

Entry in the Promotion does not constitute entry into any other promotion or sweepstakes. By participating in the Promotion, each entrant unconditionally accepts and agrees to comply with and abide by these Official Rules and the decisions of Bethpage, 899 South Oyster Bay Road, Bethpage, NY 11714, whose decisions shall be final and legally binding in all respects.

2. ELIGIBILITY: This Promotion is open to legal U.S. residents (excluding residents of Puerto Rico, U.S. Virgin Islands, Guam and other United States territories), who are eighteen (18) years of age or older at the time of entry. Employees, officers and directors of Bethpage and its affiliated companies, subsidiaries, licensees, franchisees, distributors, dealers, sales representatives, their advertising and promotion agencies, any and all other companies associated with the Bethpage or this Promotion, immediate families (spouse, parents, children, siblings) and individuals living in the households of such persons are not eligible to participate. Eligibility is subject to all federal, state, provincial and local laws and regulations. All entries submitted are the property of Bethpage.

This Promotion is void where prohibited by law.

3. HOW TO PARTICIPATE (Entry Period 1 - October 1, 2019 - October 14, 2019; Entry Period 2 - October 15, 2019 - October 28, 2019; Entry Period 3 - October 29, 2019 - November 11, 2019; Entry Period 4 - November 12, 2019 - November 25, 2019; Entry Period 5 - November 26, 2019 - December 9, 2019; Entry Period 6 - December 10, 2019 - December 23, 2019.):

Participants may enter the Sweepstakes in one of two ways:

(a) If you are (or become) a new member or an existing member without a Bethpage Free Checking Account, open a new Bethpage Free Checking Account, during one of the Entry Periods, and provide a valid email address. After the Bethpage Free Checking Account is opened, Bethpage will email a link to a digital spin wheel as provided in Section 1 (entitled “Promotion Description”) above, to the email address the entrant provided at the time of opening the account.

(b) To enter the Promotion and receive a digital spin wheel without opening a new Bethpage Free Checking Account, hand print your full name, address, zip code, evening telephone number, date of birth and valid email address on a plain piece of 3”x 5” paper, and mail with a self-addressed, stamped envelope with first-class postage affixed to: Bethpage, Marketing Department – Bethpage Free Checking Spin For a Chance to Win Promotion 2019, 899 S. Oyster Bay Road, Bethpage, NY 11714. Bethpage will email a link to the digital spin wheel as provided in Section 1 (entitled “Promotion Description”) above to the email address the entrant provided on his/her entry.

All entries, regardless of method of entry, must be received for: Entry Period 1 by Monday, October 14, 2019 at 11:59PM ET; Entry Period 2, by Monday, October 28, 2019 at 11:59PM ET; Entry Period 3 by Monday, November 11, 2019 at 11:59PM ET; Entry Period 4 by Monday, November 25, 2019 at 11:59PM ET; Entry Period 5, by Monday, December 9, 2019 at 11:59PM ET; and for Entry Period 6, by Monday, December 23, 2019 at 11:59PM ET. Digital spin wheels must be opened by November 19, 2019 for Entry Period 1; December 3, 2019 for Entry Period 2; December 17, 2019 for Entry Period 3; December 31, 2019 for Entry Period 4; January 14, 2019 for Entry Period 5; and February 4, 2020 for Entry Period 6.

Participants will only be entered once in the Promotion, receive one digital spin wheel, and may redeem only one prize, regardless of how many Bethpage Free Checking Accounts are opened and how many mailed entries participants submit during the Entry Periods. If the Bethpage Free Checking Account is opened jointly, only the primary member will be entered in the Promotion, and the joint owner is not eligible to participate in the Promotion. All entries are subject to verification and approval by Bethpage. Entries that do not meet the requirements or otherwise do not comply with the Official Rules herein may be disqualified.

Bethpage will determine, in its sole discretion, what constitutes a valid entry. All materials submitted become the property of Bethpage and will not be returned or acknowledged.

Bethpage reserves the right to cancel or modify the Promotion if fraud or technical failures destroy the integrity of the Promotion as determined by Bethpage, in its sole discretion, and to void any prize awards claimed after the cancellation.

4. PRIZE AND APPROXIMATE RETAIL VALUE (“ARV”): Total ARV of the prizes for all Entry Periods is $30,000. Digital spin wheels distributed will depend on the number of valid entries submitted during the applicable Entry Periods. Odds of winning a prize depend on the number of valid entries submitted during the applicable Entry Periods. Digital spin wheels will be sent via email to the email address the entrant provided with their entry. The email that an entrant receives will contain a link to a landing page that has the digital spin wheel that may contain a prize. If the digital spin wheel contains a prize, the participant will have won the prize indicated and is subject to verification and compliance with these Official Rules. Other conditions and restrictions may apply. Below is a list of the prizes:

Entry Period 1:

Prize and ARV Number of Winners Odds
$3,000 1 Odds of winning prize depend on
$1,000 1 the number of valid entries submitted
$500 2 during the Entry Period.

Entry Period 2:

Prize and ARV Number of Winners Odds
$3,000 1 Odds of winning prize depend on
$1,000 1 the number of valid entries submitted
$500 2 during the Entry Period.

Entry Period 3:

Prize and ARV Number of Winners Odds
$3,000 1 Odds of winning prize depend on
$1,000 1 the number of valid entries submitted
$500 2 during the Entry Period.

Entry Period 4:

Prize and ARV Number of Winners Odds
$3,000 1 Odds of winning prize depend on
$1,000 1 the number of valid entries submitted
$500 2 during the Entry Period.

Entry Period 5:

Prize and ARV Number of Winners Odds
$3,000 1 Odds of winning prize depend on
$1,000 1 the number of valid entries submitted
$500 2 during the Entry Period.

Entry Period 6:

Prize and ARV Number of Winners Odds
$3,000 1 Odds of winning prize depend on
$1,000 1 the number of valid entries submitted
$500 2 during the Entry Period.

Federal, state and local taxes and expenses relating to the acceptance and use of the prize are the sole responsibility of each winner. 1099 Tax forms may be provided to the winners at the end of the tax year, when forms are available.

5. PRIZE CLAIM: Conduct of the Promotion is under the supervision of Bethpage. If a prize is revealed on the digital spin wheel, the winner must click through and fill out the contact form with required information as well as complete the Certification to redeem the prize. For new and existing members (without a Bethpage Free Checking Account) who have opened a new Bethpage Free Checking Account and have won a prize, once Bethpage receives the required information, the equivalent cash value of the prize will be deposited into the new Bethpage Free Checking Account.

If a winner entered the Promotion by not opening a Bethpage Free Checking Account, the winner will receive the prize in the form of a gift card. To redeem the gift card prize, the winner must click through and fill out the contact form with required information as well as complete the Certification to redeem the prize. The gift card will be mailed to the winner at a time thereafter. Bethpage shall have no liability for any potential prize winning card or gift card that is lost, intercepted or not received for any reason. If prize is returned as unclaimed or undeliverable to such potential prize winner, such potential prize winner will forfeit his or her prize.

If any potential prize winner is found to be ineligible, or if he or she has not complied with these Official Rules or declines a prize for any reason prior to award, such potential prize winner will be disqualified.

Prize claims must be received as follows: November 19, 2019 for Entry Period 1; December 3, 2019 for Entry Period 2; December 17, 2019 for Entry Period 3; December 31, 2019 for Entry Period 4; January 14, 2019 for Entry Period 5; and February 4, 2020 for Entry Period 6. After each applicable date in the preceding sentence, prizes identified in the digital spin wheel will lose all value. All digital spin wheels are subject to verification by Bethpage. Digital spin wheel is void if digital spin wheel fails to pass verification process, or is photocopied, reproduced, altered, forged, defaced, tampered with, or mutilated in any way. Digital spin wheel will also be void if defective or it contains printing or other mechanical errors or is printed or produced in error, or if it is determined that the digital spin wheel was stolen or not obtained via legitimate means. No prize will be awarded to the holder of any digital spin wheel that is determined to be void. If, due to a printing, production or other error, more prizes are claimed than are intended to be awarded for any prize level per the above, the intended prizes will be awarded in a random drawing from among all verified and validated prize claims received for that prize level. In no event will more than the stated number of prizes be awarded. Limit one (1) prize per person. Not valid with any other offer.

6. GENERAL RULES; PUBLICITY RELEASE/ASSIGNMENT OF RIGHTS: By participating and/or receiving the Prize, entrants agree to be bound by these Official Rules and the decisions of Bethpage, which shall be final and binding in all respects. Entrant affirms that he or she is 18 years of age and has the right to contract his/her own name.

Entry in the Sweepstakes constitutes entrant’s permission for Bethpage to use entrant’s entry materials, name, photograph, likeness, voice, biographical information, statements and complete address (collectively, the “Attributes”), for advertising, publicity and trade purposes worldwide and in all forms of media now known or hereafter devised, in perpetuity, without further compensation or authorization (except where prohibited by law), and entrant releases Bethpage from all claims arising out of the use of such Attributes. Acceptance of any prize constitutes prize winner’s permission for Bethpage to use prize winner’s name, photograph, likeness, voice, biographical information, statements and complete address (collectively, the “Attributes”) for advertising, publicity and trade purposes worldwide and in all forms of media now known or hereafter devised, in perpetuity, without further compensation or authorization, except where prohibited by law, and releases Bethpage from all claims arising out of the use of such Attributes. Winners will be required to complete and sign the Certification in order to claim prizes.

7. DISQUALIFICATION: Bethpage reserves the right in its sole discretion to disqualify any individual that tampers or attempts to tamper with the entry process or the operation of the Promotion; or acts in an unsportsmanlike or disruptive manner; or with the intent to disparage, annoy, abuse, threaten or harass any other person; or is suspected of or commits fraud. Any attempt by any person to deliberately undermine the legitimate operation of the Promotion may be a violation of criminal and civil law, and should such an attempt be made, Bethpage reserves the right to seek damages and any other remedies from any such person to the fullest extent permitted by law. No incomplete, forged, software-generated or other automated multiple entries will be accepted.

8. TERMINATION AND MODIFICATION: Bethpage reserves the right to terminate or modify this Promotion without prior notice for any reason, including (but not limited to) if, for any reason, the Promotion does not take place, the Promotion is not capable of running as planned, including infection by computer virus, bugs, tampering, unauthorized intervention, fraud, technical failures, legal prohibition, or any other causes beyond the control of Bethpage which corrupt or affect the administration, security, fairness, integrity or proper conduct of the Promotion, or any other reason whatsoever. If such termination occurs, Bethpage reserves the right to award the prizes (as applicable) from all eligible entries received by the end of the day prior to cancellation, or not to award any prizes.

9. SURVIVAL: The invalidity or unenforceability of any provision of these Official Rules shall not affect the validity or enforceability of any other provision. In the event that any provision is determined to be invalid or otherwise unenforceable or illegal, these Official Rules shall otherwise remain in effect and shall be construed in accordance with their terms as if the invalid or illegal provision were not contained herein. Bethpage’s failure to enforce any term of these Official Rules shall not constitute a waiver of that provision.

10. LIMITATION OF LIABILITY: Winners and all entrants, as a condition of entry into the Promotion, agree to release and hold harmless Bethpage, its affiliates and related individuals from and against any and all liability, claims or actions of any kind whatsoever for injuries, damages, or losses to persons or property which may be sustained in connection with participating in any aspect of the Promotion, the receipt, ownership or use of prize awarded or any typographical or other error in these Official Rules or the announcement of offering of the prize. Bethpage assumes no responsibility for any error, omission, interruption, deletion, defect, delay in operation or transmission, communications line failure, or theft. Bethpage shall have no liability for any digital spin wheels that are lost, intercepted or not received for any reason.

11. DISPUTES: Except where prohibited, entrant agrees that: (1) any and all disputes, claims and causes of action arising out of or connected with this Promotion or any prize awarded shall be resolved individually, without resort to any form of class action, and exclusively by the appropriate federal or state court of the state of New York; (2) any and all claims, judgments and awards shall be limited to actual out-of-pocket costs incurred, including costs associated with entering this Promotion, but in no event attorneys’ fees; and (3) unless otherwise prohibited, under no circumstances will entrant be permitted to obtain awards for, and entrant hereby waives all rights to claim, indirect, punitive, incidental and consequential damages and any other damages, other than for actual out-of-pocket expenses, and any and all rights to have damages multiplied or otherwise increased.

All issues and questions concerning the construction, validity, interpretation and enforceability of these Official Rules, or the rights and obligations of the entrant and Bethpage in connection with the Promotion shall be governed by, and construed in accordance with, the laws of the state of New York, without giving effect to any choice of law or conflict of law rules (whether of the state of New York or any other jurisdiction), which would cause the application of the laws of any jurisdiction other than the state of New York.

12. DATA COLLECTION: Bethpage collects personal information from participants when they enter the Promotion for use in administration of the Promotion. Bethpage and its promotional partners reserve the right to provide Promotion entrants with promotional emails and information regarding Bethpage products or services (“Promotional Materials”), unless the entrant opts out of receiving such materials (or has already opted out as a current member of Bethpage).

If you are not a current member of Bethpage and enter the Promotion by opening a new Bethpage Free Checking Account, you will have the opportunity to consent to receive Promotional Materials. If you are not a current member at Bethpage and enter the Promotion without opening an account, you may opt out of receiving Promotional Materials by affirming on the mailed 3x5 entry card that you do not want to receive these materials.

Consenting to receive such emails and information is optional, and is not necessary to enter or win this Promotion, nor will it increase or improve your chances of winning. The information collected is subject to the Bethpage’s Privacy Policy located at https://www.bethpagefcu.com/privacy-policy.aspx.

13. SPONSOR: The Promotion is sponsored by Bethpage Federal Credit Union 899 S. Oyster Bay Road Bethpage, New York 11714.

You understand that you are providing your information to Bethpage Federal Credit Union and the information you provide will only be used in the event you are a winner or if you have indicated that you would like to receive additional information from Bethpage Federal Credit Union.

14. WINNERS LIST: To obtain the names of the winners, send a self-addressed stamped envelope to: Bethpage Federal Credit Union, Marketing Department – Bethpage Free Checking Spin For A Chance To Win Promotion 2019, 899 South Oyster Bay Road, Bethpage, NY 11714. All such requests must be received by February 15, 2020 at 5:00PM ET.