Holiday Sweepstakes Rules

 
 
2025 DFCU HOLIDAY SWEEPSTAKES
 
OFFICIAL RULES
NO PURCHASE NECESSARY TO ENTER OR WIN. PURCHASE DOES NOT INCREASE YOUR CHANCE OF WINNING.
 
Sweepstakes Schedule:
The 2025 DFCU “Holiday Cheer” Sweepstakes (“Sweepstakes” or “Promotion”) begins on 11/28/25 at 12:00 AM [midnight] Eastern Time (“ET”) and ends on 12/31/25 at 11:59 PM ET (“Promotion Period”).

Sponsor: DFCU Financial, 400 Town Center Drive, Dearborn, MI 48126.

Eligibility:
The Promotion is open only to legal U.S. residents who live in Michigan (excluding Michigan’s Upper Peninsula†) or in a nine-county region around Tampa Bay and Southwest Florida††, who, as of 11/28/25, are eighteen (18) years of age or older and have a personal DFCU Platinum Mastercard® Account and/or a DFCU Debit Mastercard® linked to their DFCU personal checking account.**

Please note: As applicable, personal checking accounts, as noted above in ‘Eligibility,’ MUST be open for the duration of the Promotion Period as well as at the time of the random drawing/winner notification.

†Michigan’s Upper Peninsula is comprised of the following counties in Michigan: Alger, Baraga, Chippewa, Delta, Dickinson, Gogebic, Houghton, Iron, Keweenaw, Luce, Mackinac, Marquette, Menominee, Ontonagon, and Schoolcraft.

††Florida’s Tampa Bay and Southwest area is defined as the following counties in Florida: Charlotte, Collier, Hillsborough, Lee, Pinellas, Pasco, Polk, Manatee, and Sarasota.

**For joint personal DFCU Platinum Mastercard® Accounts or joint personal checking accounts where a DFCU Debit Mastercard® Card has been issued to more than one (1) person, only the primary account holder (as per Sponsor’s records) will be considered the Entrant.

Promotion is offered only in Michigan (excluding Michigan’s Upper Peninsula, as defined above) and Florida’s Tampa Bay and Southwest area (as defined above). Promotion is void outside the aforementioned areas and where prohibited. Promotion is also void in Michigan’s Upper Peninsula and in all counties of Florida OTHER THAN Florida’s Tampa Bay and Southwest area.

The following persons are NOT eligible to participate or win a prize in the Promotion:

• Employees, directors, and officers of Sponsor, Mastercard® International Incorporated, Administrator; the parents, subsidiaries, divisions, and affiliates of any of the foregoing entities or any entity involved in the development, production, or implementation of the Promotion, including prize suppliers (collectively, the “Promotion Entities”);
• The immediate family of any such employee/officer/director (“immediate family” being defined as spouse, siblings, parents, children, and their spouses, regardless of where they live);
• Members of the same household of any such employee/officer/director, whether related or not. {Mastercard® International Incorporated is not a sponsor of the Sweepstakes and is not responsible for the selection of winners or the award/fulfillment of any prize. The Mastercard® trademark is used herein solely for prize identification and other reference purposes.}

Agreement to the Official Rules:
By participating in the Promotion, each Entrant fully and unconditionally agrees to and accepts these Official Rules and the decisions of the Sponsor and the Administrator, which are final and binding in all matters related to the Promotion. Winning a prize is contingent upon fulfilling all requirements set forth herein.

How To Enter:
During the Promotion Period, for each qualifying purchase transaction made using your DFCU Platinum Mastercard® and/or your DFCU Debit Mastercard® (whether made via the Credit or Debit option), you will receive one (1) entry in the Sweepstakes.

Restrictions on Debit/Credit Entry:
The following transactions are not “qualifying” and therefore will not result in Entry:

• If Card is used to obtain cash via ATM or from a retailer when making purchase transaction** (for DFCU Debit Mastercard® ) or for cash advance (for DFCU Platinum Mastercard® Credit Card).
  • **But, if the DFCU Debit Mastercard® purchase transaction is otherwise “qualifying,” the purchase transaction will still result in Entry.
  • If using DFCU Platinum Mastercard® Credit Card, the following transactions are also not “qualifying” and will not result in Entry:
• Use of DFCU Platinum Mastercard® to pay balances on Entrant’s other Credit Cards; or
• The transfer of balances from Entrant’s other Credit Cards to his/her DFCU Platinum Mastercard® .

How To Enter Without Purchase:
To receive one (1) Entry into the Promotion without a purchase:

• Print your full name, complete address, daytime telephone number, date of birth, email address, the last three (3) digits of your DFCU Platinum Mastercard® or DFCU Debit Mastercard® , and the year in which DFCU Financial issued the corresponding Card to you on a 3” x 5” card;
• Mail the 3” x 5” card in a business-size (#10) envelope to DFCU Financial, P.O. Box 6048, Dearborn, MI 48121.
• Entries must be postmarked by 1/2/26 and received by 1/9/26.
• If copied or mechanically reproduced, 3” x 5” card submission will not result in receipt of Entry. Each 3” x 5” card must be submitted separately in its own business-size envelope to result in receipt of Entry; if more than one (1) 3” x 5” card is submitted in the same envelope, all 3” x 5” cards contained therein are void and no Entries will be received in conjunction therewith.

Random Drawing, Winner Notification:

• The potential winners will be selected randomly from among all eligible Entries received.
• Odds of winning a prize depend on the total number of eligible Entries received. The random drawing will be conducted by Administrator, an independent judging organization, on or about 1/13/26.
• Potential prize winners will be contacted by the Administrator by email or phone (in Administrator’s sole discretion) and will be required to complete and return an Affidavit of Eligibility and Liability Release and except where prohibited by law, a Publicity Release Form (“Affidavit/Release”) within five (5) days of notification.
• If a potential prize winner fails to timely execute and return the Affidavit/Release, if a potential prize winner is ineligible to receive the prize or the potential prize winner cannot be contacted after reasonable effort as determined by Administrator in its sole discretion, the prize will be forfeited, and an alternate winner may be selected from among all remaining eligible Entries received for the random drawing.

Prizes (Approximate Retail Value – ARV):
ONE (1) GRAND PRIZE: Payment of qualifying purchase transactions on his/her DFCU Platinum Mastercard® Credit Card or DFCU Mastercard® Debit Card during Promotion Period, up to a maximum of $5,000. (Qualifying purchase transactions are defined in “TO ENTER” section above.)
FOUR (4) FIRST PRIZES: – A pre-paid $500 Mastercard® gift card.
Total Maximum ARV of all Prizes: $7,000.

Prize Restrictions:
Grand Prize: If winner has qualifying purchase transactions during Promotion Period totaling more than $5,000, winner will be solely responsible for the difference. If winner has qualifying purchase transactions during Promotion Period totaling less than $5,000, winner will not receive the difference. Sponsor will award Grand Prize in the form of deposit to winner’s savings account or checking account linked to his/her DFCU Mastercard® Debit Card. While Sponsor will endeavor to issue such credit within approximately thirty (30) days of Administrator conducting the random drawing, credit will not be issued until winner verification procedure has been completed. Prize will NOT be awarded as a cash or check payment to winner. Should the value of Grand Prize equal or exceed $600, such prize winning will be reported to the Internal Revenue Service in accordance with applicable law via 1099 Tax Form and winner agrees to fully cooperate with same.
If the Grand Prize winner made no qualifying purchase transactions during the Promotion Period by using his/her DFCU Platinum Mastercard® Credit Card or DFCU Mastercard® Debit Card, winner will receive a $500 Mastercard® gift card.
For All Prizes:
Mastercard® Gift Card is subject to terms and conditions as indicated thereon or provided therewith. Gift card may be awarded in virtual (“e”) or physical format, in Sponsor’s sole discretion. Gift card is not redeemable or exchangeable for cash, except as may be required by applicable law. There is a limit of one (1) prize per person, family, household, address, or entity. Prize cannot be substituted or transferred by winner. Winner will be solely responsible for all applicable taxes (not limited to federal, state, local and/or income) on prize. All expenses and costs related to acceptance and use of prize not expressly listed above are entirely the winner’s sole responsibility. Except where prohibited by law, participation in the Promotion constitutes permission for Sponsor and its designees to use, as applicable, Entrant’s name, hometown, likeness, statements, other personally identifiable information for promotional, advertising and marketing purposes in any media throughout the world without prize, incentive, consideration, consent or review; and upon request, Entrant will provide written consent to such use.

General Conditions/Release:

• By participating, Entrants (a) release Promotion Entities, and their respective directors, officers, agents and employees (collectively the “Released Parties”) from any and all liability for any claims, costs, injuries, losses or damages of any kind caused by their participation, including the unauthorized or illegal access to personally identifiable or sensitive information or the acceptance, possession, use, or misuse of any prize; and (b) acknowledge that said parties have neither made nor are in any manner responsible or liable for any warranty, representation or guarantee, expressed or implied, in fact or in law, relative to any prize.
• Neither Released Parties nor any service providers are responsible for any incorrect or inaccurate information supplied by Entrants while participating in the Promotion, incorrect or inaccurate transcription of entry information (for Debit/Credit Entry or Mail Entry), incorrect/inaccurate recording of purchase transactions made using DFCU Platinum Mastercard® Credit Card and/or DFCU Mastercard® Debit Card, as applicable (or failure to record such purchase transactions altogether), or for any human or other error, lost data, omission, interruption, deletion, defect, any other error or malfunction, or late, lost, damaged, misdirected Debit/Credit Entries or Mail Entries or postage due mail.
• CAUTION: ANY ATTEMPT BY AN ENTRANT OR ANY OTHER INDIVIDUAL TO DELIBERATELY TAMPER WITH THE ENTRY PROCESS, OR OTHERWISE UNDERMINE THE LEGITIMATE OPERATION OF THE PROMOTION MAY BE A VIOLATION OF CRIMINAL AND CIVIL LAWS AND SHOULD SUCH AN ATTEMPT BE MADE, SPONSOR RESERVES THE RIGHT TO COOPERATE IN THE PROSECUTION OF ANY SUCH INDIVIDUAL(S) AND TO PURSUE ALL REMEDIES TO THE FULLEST EXTENT PERMITTED BY LAW. TAMPERING EXPRESSLY INCLUDES BUT IS NOT LIMITED TO ENGAGING IN “SHAM” TRANSACTIONS (NOT REAL, BONA FIDE TRANSACTIONS IN THE NORMAL COURSE OF BUSINESS) SO AS TO ILLICITLY ATTEMPT TO RECEIVE SWEEPSTAKES ENTRIES. Use of any automated system to participate is prohibited and will result in disqualification.
• Mail Entries that are incomplete, illegible or corrupted are void. Sponsor and Administrator are not liable or responsible for late, invalid, or misdirected Debit/Credit Entries or Mail Entries, all of which will be disqualified. Sponsor’s failure to enforce any term of these Official Rules shall not constitute a waiver of that provision.
• If for any reason the Promotion is not capable of being executed as planned, tampering, unauthorized intervention, fraud, action of Entrants, technical failures or any other causes which in the opinion of Administrator and/or Sponsor, corrupt or affect the administration, security, fairness, integrity, or proper conduct of this Promotion, Administrator reserves the right at its sole discretion to disqualify any suspect Debit/Credit Entry or Mail Entry and to cancel, terminate, modify or suspend the Promotion. In the event of any cancellation, termination or suspension, notice thereof will be posted on the DFCU Financial Website (http://www.dfcufinancial.com) and the selection of the winners for the random drawing will be made in a manner determined by Sponsor/Administrator, in their sole discretion, to be fair, appropriate and consistent with these Official Rules. Debit/Credit Entries or Mail Entries not complying with all rules are subject to disqualification.

Governing Law; Dispute Resolution:

• These Official Rules and the Promotion shall be governed by the law of Michigan (except for the conflict of law/choice of law rules of Michigan or of any other jurisdiction which would lead to the application of the law of any jurisdiction other than Michigan.)
• To the fullest extent permitted by law, Entrants agree that: (i) any claim, dispute or cause of action regarding the Sweepstakes or these Official Rules shall be brought individually (NOT AS PART OF A CLASS ACTION) in the federal or state courts of Michigan; (ii) they consent to the personal jurisdiction of such courts as the exclusive tribunal for adjudication of any such claim/dispute/cause of action; (iii) their recovery will be limited to actual out-of-pocket costs involved in participating in the Sweepstakes (if any) and they expressly waive their right to all other forms of recovery, including by way of example only, punitive, consequential, indirect, incidental, special and exemplary damages as well as attorneys’ fees for bringing such claim/dispute/cause of action. SOME JURISDICTIONS DO NOT ALLOW THE LIMITATIONS OR EXCLUSION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES, SO THE ABOVE MAY NOT APPLY TO YOU.

Privacy Policy:
Information collected from Entrants is subject to DFCU Financial’s Privacy Policy accessible at http://www.dfcufinancial.com/Privacy-Policy.

Winners’ List:
For winners’ list, please send a self-addressed stamped envelope to ‘2025 DFCU HOLIDAY CHEER SWEEPSTAKES’, PO BOX 2825, Orlando, FL 32802. All requests for the winners’ list must be received by 1/26/26.