OFFICIAL RULES
“WIN AN AUTO LOAN PAYMENT” SWEEPSTAKES
Get a great auto loan and a chance to win your first payment up to $1,000

NO PURCHASE IS NECESSARY IN ORDER TO ENTER THE SWEEPSTAKES.

EACH SWEEPSTAKES ENTRY WILL HAVE AN EQUAL CHANCE OF WINNING. SUBMITTING AN APPLICATION FOR A LOAN WITH US WILL NOT IMPROVE AN INDIVIDUAL ENTRY’S CHANCES OF WINNING.

Lockheed Federal Credit Union is the sponsor of the Sweepstakes. The Credit Union’s business address is: 2340 Hollywood Way, Burbank, CA 91505.

Sweepstakes Period: Sweepstakes starts November 1, 2009 and ends close of business on December 31, 2009.

Eligibility: To qualify for the Sweepstakes, all entrants must be at least 18 years of age and in good standing with the Credit Union. You have to have a new or existing LFCU auto loan to "win a payment." Members who enter the contest but do not open a new or used auto loan with LFCU or members who are eligible by sending in the 3x5 card, during the sweepstakes period will be eligible for a prize of $250. Credit Union employees, officials, and members of their immediate families are not eligible to participate in the Sweepstakes. By entering this Sweepstakes, entrants accept and agree to be bound by these Official Rules and the decisions of the Credit Union. Sweepstakes void where prohibited by law.

How To Be Removed From Sweepstakes Mailing List: If you do not wish to receive future Sweepstakes or contest mailings from the Credit Union, please call us at 1-800-328-LFCU(5328) or write us at: "LFCU attention: Marketing, P.O. Box 6759, Burbank, CA 91510.

Sweepstakes Entries: All Members who apply for an auto loan will be automatically entered into the drawing. Members can also enter by legibly printing their name, address, phone number, account number, and the words "LFCU Auto Payment Sweepstakes" on a 3" x 5" card and mailing it to "LFCU Auto Payment Sweepstakes" attention: Ryan Kugler P.O. Box 6759, Burbank, CA 91510 (one entry per envelope). If an entry form is drawn, but judges are unable to determine the winner because of illegible writing, that entry form will be disqualified. No copies, mechanical reproductions, or metered mail accepted. Proof of mailing does not constitute proof of delivery. The Credit Union is not responsible for lost, late, incomplete, misdirected, damaged, postage-due, or illegible entries or mail. Once submitted, entries become the sole property of the Credit Union and will not be acknowledged or returned. No paper copies or other mechanical reproductions will be accepted as entries. Mail-in entries must be postmarked no later than December 31, 2009.

Prize Drawings: There will be a car payment of up to $1,000. The drawing will be held at 2:00PM PST on January 15, 2010. Any mail-in entries that are not received by December 31, 2009 will not be eligible for the drawing regardless of the postmark date. Winner need not be present and will be notified by phone and/or mail. The name of the winner will be available upon request. 

Prize Specifications: Single car payment valued up to a maximum amount of $1000.

Liability/General Rules: The Credit Union is not responsible for any loss, which may occur in connection with the Drawing. Entrant agrees to hold the Credit Union harmless from any liability arising from participation in the Sweepstakes or the acceptance, receipt, possession, or misuse of the prize. The Credit Union and each of its officers, directors, employees, members, and representatives and agents are not responsible for any negligence, claims, liability, injury, property loss, or other damages of entrants and/or winners arising from, or in connection with, acceptance, receipt, possession, or use/misuse of prizes awarded or participation in this Sweepstakes. The Credit Union is not responsible for any incorrect or inaccurate information, whether caused by tampering, hacking, or by any of the equipment or programming associated with the Sweepstakes. Prizes cannot be substituted, converted to cash, assigned, or transferred by winners. The Credit Union reserves the right to substitute a prize of equal or greater value should the featured prize become unavailable for any reason. The Credit Union reserves the right to disqualify entrants who fail to follow these Official Rules and regulations or who make any misrepresentations relative to the Sweepstakes and redemption of a prize.

Tax Issues: The Credit Union will report all prize winnings to the appropriate state and federal agencies as required by applicable law. Winners are responsible for all tax consequences (if any) of the prizes.

Publicity Authorization: Each winner agrees to permit the Credit Union to utilize his/her name and likeness in promotional and other Credit Union materials, without additional compensation or permission, except where prohibited by law.

Arbitration: Except where prohibited by law, as a condition of participating in this Sweepstakes, entrant agrees 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 (“AAA”) and shall be held at the AAA regional office nearest the 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 entrant be permitted to obtain awards for, and entrant hereby waives all rights to claim, punitive, incidental, or consequential damages, or any other damages, including attorney’s fees, other than entrant’s actual out-of-pocket expenses (i.e., costs associated with entering this Sweepstakes), and entrant further waives all rights to have damages multiplied or increased.

Choice of Law: All issues and questions concerning the construction, validity, interpretation, and enforceability of these Official Rules, or the rights and obligations of entrant and the Credit Union in connection with the Sweepstakes, shall be governed by, and construed in accordance with, the substantive laws of the State of California, USA, without regard to choice of law rules.

Consumer Disclosure: Odds of winning depend upon number of entries based upon the Credit Union’s estimate of 2000 entries, odds of winning are:
Prize: 1 in 2000