Auto Loan Sweepstakes Official Rules 

NO PURCHASE OR PAYMENT OF ANY KIND IS NECESSARY TO ENTER OR WIN THIS SWEEPSTAKES. 

PURCHASE DOES NOT IMPROVE AN INDIVIDUAL'S CHANCE OF WINNING. 

Every participant age 18 and over, who obtains a funded auto loan with Orange County's Credit Union with a minimum amount of $15,000, or who submits an alternate entry, will have an equal chance of winning. Members will be entered into the drawing once the auto loan has funded. Joining the Credit Union will not improve a Member's chance of winning. 

PRIZES: There will be a total of three (3) winners, each of which will receive one (1) prize. One winner for January will win a $500 gift card for Fast5Xpress Car Wash. One winner for February will win a $500 gas gift card chosen from a list of available gift cards. One winner for March will win an automotive themed gift basket valued at $500. Limit one prize per person. 

CONSUMER DISCLOSURE:  Odds of winning are based upon the number of entries. 

SPONSOR:  Orange County’s Credit Union (“the Credit Union”) is the sponsor of the sweepstakes. The Credit Union’s business address is 1701 E. St. Andrew Pl., Santa Ana, CA 92705. Fast5Xpress is neither affiliated with Orange County's Credit Union nor are they considered sponsors or co-sponsors of this program.

SWEEPSTAKES PERIOD:  Sweepstakes begins on January 1, 2021 and ends on March 31, 2021 (“Sweepstakes Period”). All qualifying auto loans must be funded, and all mail-in entries must be received by 11:59 pm on March 31, 2021. 

ELIGIBILITY:  Officials and employees of the Credit Union, its affiliates, related advertising and promotional agencies, and their immediate family members and members of the same household of such employees are not eligible to participate in the Sweepstakes. To qualify for the Sweepstakes, all entrants must be at least 18 years of age and U.S. residents. 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. 

SWEEPSTAKES ENTRIES:  Any eligible individual whose Orange County's Credit Union auto loan funds during the period of January 1, 2021- March 31, 2021, will automatically be entered into the Sweepstakes. One entry per person by any method. There are two (2) ways to enter the Sweepstakes. First, you may enter the Sweepstakes by obtaining a funded auto loan from Orange County's Credit Union with a minimum amount of $15,000. Auto loan must be funded by March 31, 2021. Alternatively, you may legibly print your name, address (including zip code), and home or mobile telephone number (including area code) on a 3” x 5” piece of paper or card and mail it in a #10 business envelope to Orange County’s Credit Union, Attention: Member Engagement & Communications Department, 1701 E. St. Andrew Pl., Santa Ana, CA 92705. If a mailed-in entry form is drawn, but the Credit Union is unable to determine the winner because of illegible writing, that entry form will be disqualified. No copies or mechanical reproductions of a mail-in entry or metered mail will be accepted. Proof of mailing does not constitute proof of delivery/receipt. The Credit Union is not responsible for lost, late, incomplete, misdirected, damaged, postage-due, or illegible entries. Once submitted, entries become the sole property of the Credit Union and will not be acknowledged or returned. 

PRIZE DRAWING:  Each monthly prize winner will be selected by random drawing from all entries received by the end of the previous month. All entries remain in the drawing through the end of the sweepstakes period. Prize winners will be removed from the sweepstakes and cannot win twice. The prize drawing for January will be held the week of February 1, 2021, the prize drawing for February will be held the week of March 1, 2021, and the prize drawing for March will be held the week of April 5, 2021. Prize drawings will occur at the Orange County's Credit Union Headquarters in Santa Ana, CA. Winner need not be present to win and will be notified by phone. Winner must have the ability to pick up prize in one of our branches. Winner forfeits prize if not claimed within 30 (thirty) calendar days from drawing. Unclaimed prizes will not be awarded. A complete list of winner(s) will be available at all Credit Union offices. 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, assigned, or transferred by winners. The Credit Union reserves the right to disqualify entrants who fail to follow these Official Rules 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. The 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. 

LIABILITY:  Entrants agree to hold the Credit Union and its officers, directors, employees and representatives harmless from any liability arising from the participation in the Sweepstakes, the prizes themselves, or the acceptance, receipt, possession, or use/misuse of the prizes. 

CHOICE OF LAW:  All issues and questions concerning the construction, validity, interpretation, and enforceability of these Official Rules, or the rights and obligations of entrants 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, without regard to choice of law rules. 

ARBITRATION:  Except where prohibited by law, as a condition of participating in this Sweepstakes, entrants agree that any and all disputes and causes of action arising out of or connected with this Sweepstakes, shall be resolved individually, without resort to any form of class action, and exclusively by final binding arbitration under the rules of the American Arbitration Association (AAA) and held at the AAA regional office nearest the sponsor. Judgement upon such arbitration award may be entered in any court having jurisdiction. Under no circumstances will entrants be permitted to obtain awards for, and entrants hereby waive all rights to claim, punitive, incidental, or consequential damages, or any other damages, including attorney’s fees, other than entrants’ actual out-of-pocket expenses (i.e., costs associated with entering Sweepstakes), and entrants further waives all rights to have damages multiplied or increased.