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Routing Number: 272479663 Swift Code: MSUCUS44
 
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Offers and Promotions

Contest
Toothless Smile Contest
Enter your child in the Toothless Smile Contest, and they could win a $100 1-Year Add-On Certificate!
February 1, 2020 - February 28, 2020
Enter your child in the MSUFCU Toothless Smile Contest, and they could win a $100 1-Year Add-On Certificate!

• Take a photo of your toothless child and upload it to the Toothless Smile Contest form through February 18, 2020.

• Invite friends and family to vote for their favorite Toothless Smile on our Facebook page starting at noon on February 19.

Enter today!

Toothless Smile Contest

Disclosures
PROMOTION PERIOD
The Toothless Smile Photo Contest begins at midnight EST 2/1/20 and ends at noon EST 2/28/20.

ELIGIBILITY
No purchase or transaction is necessary, and there is a limit of one entry per account. Employees and immediate family members of MSUFCU and contest sponsors, as well as MSUFCU board and committee members and their immediate family members, are not eligible.

WINNER SELECTION/ODDS
The individual who submitted the photo with the most likes at the end of the voting period will receive the grand prize. Winner will be notified by email and/or phone and has 5 business days to respond. Failure to respond in 5 business days will result in the selection of a new winner.

HOW TO ENTER
To enter, submit a photo of your youth account member with their missing teeth at msufcu.org/smile from midnight EST 2/1/20 to 11:59 p.m. EST 2/18/20. All Toothless Smile photos will be posted on MSUFCU's Facebook page and voting will begin at noon EST 2/19/20. Voting will close at noon EST 2/28/20. One like equals one vote.

MSUFCU is not responsible for:
• Lost, late, illegible, mutilated, or misdirected entries
• Entries not received in time for the selection of the winner
• Technical hardware or software
• Lost or unavailable network connections
• Failed, incomplete, garbled, or delayed computer transmissions that may limit a user's ability to participate in this contest

PRIZES AND ACTUAL RETAIL VALUES
The grand prize is valued at $100.

Prizes may not be substituted or transferred except at the discretion of MSUFCU. MSUFCU is not responsible for the winner's receipt or use of the prize, and has neither made nor is in any manner responsible or liable for any warranty, representation, or guarantee, expressed or implied, in fact or in law, relative to the prize including, but not limited to, its quality or availability.

Liability for any applicable federal, state, or other taxes, or any other costs, will be the sole responsibility of the winner and no prize will be awarded without receipt of the proper legal paperwork as determined by MSUFCU.

GENERAL RELEASE FORM
Each winner must sign a release form agreeing:
• To allow MSUFCU, unless prohibited by law, to use his/her name, city and state of residence, photograph, and/or likeness for advertising trade and/or any other purposes in any media now or hereafter known without further compensation, permission, or notification. All images are the exclusive property of MSUFCU.
• That aforementioned parties and their respective officers, directors, shareholders, employees, representatives, and agents shall have no liability and will be held harmless by entrant for any claim, action, liability, loss, injury, or damage to entrant or any other person or entity. This includes personal injury or death to entrant or any other person or damage to personal or real property due to the acceptance, possession, use, or misuse of a prize and any travel or travel-related activity thereto or participation in this promotion.

GENERAL CONDITIONS
MSUFCU reserves the right to modify, suspend, and/or terminate this contest should viruses, bugs, nonauthorized human intervention, or other causes beyond the control of MSUFCU, corrupt or impair the administration, security, fairness, or proper play of the contest. In case of suspension or termination, a notice will be posted, and, at MSUFCU's discretion, winners will be selected from eligible nonsuspect entries received before the event was suspended or terminated. MSUFCU reserves the right to disqualify any entrant if his/her fraud or misconduct affects the integrity of the contest or fails to remain in good standing with MSUFCU.

MSU Federal Credit Union maintains the right to change or modify these rules at any time without notice. MSUFCU is not responsible for any typographical or other error in the printing of the offer, administration of the contest, or in the announcement of any and all prizes. By participating, entrants agree to these official rules and to the decisions of the results of the contest, which will be final and binding in all respects.