75th Anniversary Prize Draw Rules

Community Savings 75th Anniversary Contest Rules

THESE RULES GOVERN THE COMMUNITY SAVINGS 75TH ANNIVERSARY CONTEST. THEY EXEMPT COMMUNITY SAVINGS CREDIT UNION, AND OTHER PERSONS FROM LIABILITY AND CONTAIN IMPORTANT PROVISIONS. BY ENTERING THE CONTEST, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND AGREED TO BE BOUND BY THESE RULES. IF YOU DO NOT AGREE WITH EACH PROVISION OF THESE RULES, YOU MAY NOT PARTICIPATE IN THE COMMUNITY SAVINGS 75TH ANNIVERSARY CONTEST.

The Contest Period and Prize
•    The Community Savings 75TH Anniversary Contest (the “Contest”) is run by Community Savings Credit Union (“CSCU”).
•    The Contest will run from 10:00 am PST on Tuesday, May 28th, 2019 to 11:59 pm PST on Friday, August 9, 2019 (the "Contest Period"). All entries must be received by CSCU within this period in order to be eligible.
•    There are 75 prizes available to be won (the “Prizes”). The Prizes will be awarded pursuant to the time frames provided in these Rules under the How to Win and Claim Your Prize section.
How to Enter
 No purchase is necessary to enter the Contest. To enter the Contest, you must meet the eligibility requirements and do one of the following during the Contest Period:
Contest Entry:
The Contest is open to all Community Savings Credit Union members over the age of majority (19).
•    Eligible contributors will earn one entry into the Contest for completing the following step during the Contest Period.
1.    Follow Community Savings facebook page at www.facebook.com/communitysavings.
CSCU members listed as a follower one hour prior to the daily prize draw will be provided one entry into the daily prize draw. CSCU is not responsible for the registration and listing of facebook followers and will only accept the follower list as provided by facebook. 

•    Eligible contributors will earn 10 entries into the Contest for completing the following steps during the Contest Period.
    1.    Provide consent to CSCU staff to sign up for electronic newletters or email notifications. An email that is the property of the applying member must be provided.
    2.    Provide consent to CSCU staff to sign up for electronic statements  (e-statements)
Signing up for e-statements will initiate the switch from paper statements to electronic statements. The member accepts all statements to be sent electronically and waives any rights or requirements for CSCU to send a paper statement.
    •    Eligible contributors will earn 20 entries into the Contest for completing the following step during the Contest Period.
    1.    Open a personal loan over $500.00.
    2.    Contribute $500.00 or more to a TFSA or RRSP.  

    •    No purchase is necessary to enter the Contest.
    •    Any decisions made by CSCU, including but not limited to those concerning the eligibility or disqualification of entrants, are final and binding without right of appeal.

Alternative Entry:

Participants may enter the Contest without participating in the above methods of contest entries by mailing an original, legible, handwritten essay of 100 words or more (“Essay”) to CSCU on “How to celebrate an anniversary” Essays must include the entrant’s name, address, city, postal code, day and evening telephone numbers and be mailed in a postage stamped envelope to Community Savings, Suite 1600 – 13450 102nd Avenue, Surrey, B.C., V3T 5X3. Attn: Anniversary prize draw. A maximum of one entrant per Essay is allowed. To be eligible, your Essay must be postmarked by the last day of the Contest Period.
    •    Participants will earn entries into the Contest for completing one of the steps above during the Contest Period.
    •    No purchase is necessary to enter the Contest.
    •    Every entry is subject to verification by CSCU. Any entry that appears to CSCU, in its sole discretion, to be incomplete, ineligible, improper, or fraudulent may be disqualified, including but not limited to entries that are made contrary to these Rules, entries that are disruptive to the proper operation of the Contest, or entries that are in any way unjust to other entrants or potential entrants.
    •    Any decisions made by CSCU, including but not limited to those concerning the eligibility or disqualification of entrants, are final and binding without right of appeal.

Prize List
Qty    Prize

2    $750.00 Tax Free Savings Account1

1    $750 Registered Retirement Savings Plan2

10    $75 credit toward a CSCU Collabria Visa account3

10    One year of free and unlimited e-transfers

1    7.5% rate for a 12 month term deposit4

1    Personal loan rate at .0075%6 on a three year loan up to $7500.00 limit.
5
10    $50.00 Starbucks gift cards

15    Picnic totes

15    Cooler Seats

10    CSCU glassware sets

1 The $500 TFSA can not be redeemed or transferred to another financial institution for a period of 365 days after the opening of a Community Savings TFSA account in the winner’s name. Winner must be aware of their allowable annual TFSA limit for 2019 and not exceed the allowable limit with the $500 TFSA.
2 The $500 RRSP can not be redeemed or transferred to another financial institution for a period of 365 days after the opening of a Community Savings RRSP account in the winner’s name. Winner must be aware of their allowable annual RRSP contribution limit for 2019 and not exceed the allowable limit with the $500 RRSP. Winner is responsible for any tax implications that may result in the withdrawl of some or all funds in the $500.00 RRSP.
3 Credit applied to the account of a CSCU Collabria Visa card. In the event the member is not a Collabria Visa card holder, Member can apply for a No annual fee Visa Card to claim the credit. On approved account.
 Visa a trademark of Visa Int. and is used under license.
4 Maximum investment amount of $10,000. The 12 month term deposit must be a TFSA or RRSP. The term deposit must be new funds and does not apply to an existing CSCU term deposit.
5 Personal loan rate is for a personal secured loan subject to meeting approval requirements. The maximum loan amount is $7500.00 for a maximum term of 36 months.

•    CSCU reserves the right, in its sole discretion, to cancel, modify, suspend or terminate this Contest or to amend the Rules, without notice and without compensation to any participant in the Contest.
Eligibility
•    The Contest is open to CSCU members, who are legal residents of British Columbia who have reached the age of 19 by the start of the Contest Period.

•    Employees of CSCU and its affiliates, and their immediate family members (defined as spouse, parent, child, sibling and their respective spouses) and household members are not eligible to enter the Contest.
How to Win and Claim Your Prize
•    Winners will be selected through a random draw administered by CSCU starting Tuesday, May 28, 2019. 

•    The odds of winning the Prize depend on the number of valid entries received. 

•    The potential winners will be notified by phone. CSCU will attempt to contact the potential winners using the contact information available in CSCU’s systems or the mailed Essay. Entrants are solely responsible for ensuring that their contact information is correct and up-to-date. 

•    If CSCU is unable for any reason to contact the potential winners or the potential winner does not respond to CSCU within 48 hours of being contacted, CSCU reserves the right to disqualify the potential winner and another entrant may be selected by CSCU by random draw in accordance with these Rules.

•     The potential winners must claim the Prize within one week of being contacted or within an acceptable time limit at the sole discretion of CSCU.
The potential winner must do the following in order to claim the Prize:
 Go to any CSCU branch or, at CSCU’s sole discretion, an alternate location. Starbucks gift cards will be presented to winners by a CSCU staff member at a mutually agreed upon Starbucks location.
 Provide valid proof of identity, age, and residence, or any relevant documentation requested by CSCU; and
 Complete a Declaration and Release Form, which includes correctly answering, without assistance, a time-limited mathematical skill testing question.
•    In the event that the potential winner is disqualified or is otherwise determined to be ineligible, CSCU may, in its sole discretion, hold another random draw to determine an alternate potential winner.
•    The Prize must be accepted as described in these Rules and cannot be returned, transferred to another individual, or substituted for another prize. CSCU reserves the right, in its sole discretion and for any reason whatsoever, to substitute any prize or part thereof, with another prize of equivalent or greater value.
Release and Exclusion of Liability
 By entering the Contest, you agree to release and hold harmless CSCU and its affiliates, and their respective agents, employees, directors, officers, successors and assigns against any and all claims that are in any way associated with the Contest, including but not limited to claims for:
 erroneous, lost, late, incomplete, or misdirected entries, regardless of the cause;
 failure for any reason whatsoever of a selected entrant to receive notice of a Prize;
 typographical or other errors in the offer or administration of the Contest, including but not limited to errors in advertising, these Rules, the selection and announcement of the Prize winner or distribution of the Prize;
 any injury or damage to any person’s computer or data contained therein or other property as a result of any person’s participation in the Contest;
 defects or delays in the Prize awarded that are outside of CSCU’s control;
 the use of your voice, statements, place of residence and likeness, including as a result of distortion, blurring, processing or reproduction;
 any malfunction, failure relating to telephone network or lines, computer online systems, servers, access providers, computer equipment or software, failed or misdirected computer or telephone transmissions, or other errors of any kind whether human, mechanical or electronic; or
 any damage or loss, including any loss of use, loss of production, loss of profits (anticipated or otherwise), loss of markets, economic loss, special, indirect, or consequential loss or damage or aggravated or punitive damages, whether in contract, tort, or under any other theory of law or equity, arising from, connected with, or relating to the Contest or the submission of entries to the Contest, or participation in the Contest, or the Prize, or any charitable donations made by CSCU related to the Contest, regardless of the cause or any negligence by any of the employees, agents or representatives of CSCU or the Facilitator.
Personal Information
•    You authorize CSCU to collect and use your personal information to administer the Contest. By entering the Contest, you authorize CSCU to broadcast, publish, and otherwise use your name, voice, image (video and photographic), statements regarding the Contest, and place of residence for publicity and promotional purposes, without any form of notice or remuneration.
•    All personal information collected for this Contest that is in the possession of CSCU will be destroyed in accordance with the CSCU Savings Privacy Policy.
Dispute Resolution
 All disputes, claims and causes of action arising out of or connected with the Contest, prizes or these Rules will be resolved individually, without resort to any form of class action, and exclusively by the appropriate court of the Province of British Columbia, Canada.
General Terms and Conditions
•    CSCU reserves the right, in its sole discretion, to cancel, modify, suspend or terminate this Contest or to amend the Rules, without notice and without compensation to any participant in the Contest.
•    Generally prizes and gifts are non-taxable, however you acknowledge and accept any responsibility of tax liability.
•    The Contest and the Rules shall be governed by and construed in accordance with all applicable municipal and provincial laws in British Columbia and federal laws in Canada.
May 28, 2019