SECU E-statements Sweepstakes Rules

NO PURCHASE IS NECESSARY TO ENTER OR WIN. A PURCHASE WILL NOT INCREASE YOUR CHANCES OF WINNING.

The Sweepstakes begins at 12:00:00 a.m. ET on July 1, 2025 and ends at 11:59:59 p.m. ET on September 1, 2025 (the “Sweepstakes Period”). A person may enter the Sweepstakes in one of two ways (each, an “Entry”):

1. E-statement enrollment. By enrolling any account owned by the member in e-statements through SECU’s Member Access available at www.ncsecu.org at any time (including before the Sweepstakes Period commences) prior to the end of Sweepstakes Period and remaining enrolled at the end of the Sweepstakes Period. SECU’s computer systems shall be the official timekeeping device for determining the time of e-statement enrollment for purposes of the Sweepstakes.
2. Mail-In. By mailing in a letter with the person’s first name, last name, street address, city, state, zip code, age, telephone number, and email address to SECU E-Statements Sweepstakes, Post Office Box 29561, Raleigh, North Carolina 27626-0561. Entries must be postmarked no later than September 1, 2025 and received by SECU by the date of the drawing.

The Entrant will be deemed the primary account holder on the account (or the person whose name first appears on the letter, if entered through the Mail-In option), regardless of the identity of the person enrolling the account in e-statements. There is a limit of one Entry per person, regardless of the entry method. Each eligible Entry, regardless of method of entry, will have an equal chance of winning. All Entries become the property of SECU and will not be returned. Automated mail entries or those made using script, macro, sweepstakes service, automated entry software, or facsimiles will NOT be accepted. SECU is not responsible for entries that are lost, late, misdirected, illegible, and/or incomplete. Entries that are unreadable, inaccurate, unintelligible, or which otherwise do not comply with these Official Rules will be disqualified. Entrant agrees to be bound by these Official Rules and agrees to accept the decisions of SECU as final and binding in all respects as it relates to this Sweepstakes.

Open only to legal North Carolina residents who are aged 18 years or older and members of or eligible for membership in SECU as of the date of entry. Void outside of North Carolina and where prohibited by law. Officers, directors, employees, representatives, and agents of SECU, and any others involved in the administration of the Sweepstakes, and any of their respective parents, affiliates, subsidiaries, retailers, distributors, suppliers, and advertising and promotion agencies, and the immediate family members (parent, spouse, child, or sibling, and their respective spouses, regardless of residence) of such officers, directors, employees, representatives, and agents, and those living in their same households, whether or not related, are not eligible to enter or win a prize.

Winners will be selected by random drawings held on or about September 15, 2025 from among all eligible entries received. Two-hundred and seventy-five (275) prize winners (one (1) $500 winner per branch) will be drawn from the Entries assigned to each of SECU’s 275 physical branch locations as of the date of the drawing. Entries are assigned to a branch based on (i) for e-statement enrollments, the branch assigned to the member based on SECU’s branch assignment business logic for its member record system, and (ii) for Mail-In Entries, the closest branch to the address listed on the Mail-In Entry, as determined in SECU’s reasonable discretion. In addition, six (6) grand prize winners (one (1) $10,000 winner per region) will be drawn from the entries assigned to each of SECU’s six service regions in North Carolina as of the date of the drawing. Each region contains approximately between 36 and 51 branches. Entries are assigned to a region based on the location of the branch to which the Entries are assigned. Odds of winning will depend upon the number of eligible Entries received for each drawing.

Prizes will consist of two hundred seventy-five (275) cash prizes in the amount of $500 each and six (6) cash prizes in the amount of $10,000 each. The collective value of all two hundred eighty-one (281) prizes is $197,500.

In the event that the operation, security, or administration of the Sweepstakes is impaired in any way for any reason, SECU may in its sole discretion (i) suspend the Sweepstakes to address the impairment and then resume the Sweepstakes in a manner that in its judgment best conforms to these Official Rules or (ii) award the prize at random from among the eligible entries received up to the time of impairment. SECU reserves the right in its sole discretion to (i) disqualify any individual it determines to be tampering with the entry process or the operation of the Sweepstakes or to be acting in violation of these Official Rules or in an unsportsmanlike or disruptive manner, and (ii) suspend or terminate the Sweepstakes in the event the administration, security, fairness, integrity, or proper conduct of the Sweepstakes is jeopardized. SECU’s failure to enforce any term of these Official Rules shall not constitute a waiver of that provision. This Sweepstakes will be governed by North Carolina law, and all applicable federal, state, and local laws and regulations apply, except that the Arbitration Provision below is governed by the Federal Arbitration Act.

By participating in the Sweepstakes, winners agree to release and hold harmless SECU, its affiliates, subsidiaries, advertising and promotion agencies, and each such company’s respective officers, directors, employees, representatives, and agents (collectively, the “Released Parties”) from and against any claim or cause of action arising out of participation in the Sweepstakes or receipt or use of any prize, including, but not limited to: (a) unauthorized human intervention in the Sweepstakes; (b) printing errors; (c) lost, late, postage-due, misdirected, or undeliverable mail; (d) errors in the administration of the Sweepstakes or the processing of entries; or (e) injury or damage to persons or property which may be caused, directly or indirectly, in whole or in part, from entrant’s participation in the Sweepstakes or receipt or use of any prize. Entrant further agrees that in any cause of action, the Released Parties’ liability will be limited to the cost of entering and participating in the Sweepstakes, and in no event shall the Released Parties be liable for attorneys’ fees. Entrant waives the right to claim any damages whatsoever including, but not limited to punitive, consequential, direct or indirect damages.

All materials submitted become the sole property of SECU and will not be returned. Acceptance of a prize constitutes permission for SECU to use the winner’s name and/or likeness for purposes of advertising and trade without further compensation, except where prohibited by applicable law. SECU reserves the right to use any and all information related to the Sweepstakes, including information obtained through the Sweepstakes, for marketing purposes or any other business purpose, unless prohibited by law, subject to SECU’s Consumer Privacy Notice available at www.ncsecu.org.

Entrants need not be present at the time of the drawings to be eligible to win. Winners will be notified within fifteen (15) days of drawing by either phone, e-mail or U.S. mail, based on the contact information provided by the Entrant to SECU. Winners will be required to execute and return a Declaration of Eligibility and Release, in the form provided by SECU, within fifteen (15) business days following notification as a condition to receive the prize. Failure to timely return the signed Declaration of Eligibility and Release, or otherwise accept the prize, or if SECU is unable to make contact with the Entrant, may result in forfeiture of the prize and an alternate winner may be selected via random drawing. Prizes are non-transferable and cannot be redeemed or substituted for another prize, and SECU shall have the right to determine method and form of prize delivery. SECU’s decisions concerning all matters related to the Sweepstakes shall be final. All applicable taxes, including any federal, state or local tax liabilities, are the sole responsibility of each winner. To obtain a list of the winners, please mail a self-addressed, stamped envelope (placed in an envelope and postmarked before October 15, 2025 with your name and complete address to: SECU E-statements Sweepstakes – Winners List, Post Office Box 29561, Raleigh, North Carolina 27626-0561.

If a Claim, as defined in the “Disputes Subject to Arbitration” subsection below, is arbitrated, neither you nor we will have the right to: (1) have a court or a jury decide the Claim; (2) engage in information-gathering (discovery) to the same extent as in court; (3) participate in a class action, private attorney general action or other representative action in court or in arbitration; or (4) unless all parties otherwise agree in writing, join or consolidate a Claim with claims of any other person or entity.

a. General. This Arbitration Provision describes when and how a Claim (as defined in the “Disputes Subject to Arbitration” subsection below) may be arbitrated. Arbitration is a method of resolving disputes in front of one or more neutral persons (the “arbitrator”) instead of having a trial in court in front of a judge and/or jury. It can be a quicker and simpler way to resolve disputes. Arbitration proceedings are private and less formal than court trials. Each party to the dispute has an opportunity to present some evidence to the arbitrator. The arbitrator will issue a final and binding decision resolving the dispute (the “award”), which may be enforced as a court judgment. A court rarely overturns an arbitrator’s decision.

b. Governing Law. This Arbitration Provision is governed by the Federal Arbitration Act, 9 U.S.C. §§ 1-16 (the “FAA”), and not by any state arbitration law.

c. Special Definitions. Solely for purposes of this Arbitration Provision, (a) “we,” “us,” and “our” mean (1) State Employees’ Credit Union, each of its subsidiaries, affiliates, successors and assigns, and any of their employees, officers, directors and agents; (2) any provider of services under the Sweepstakes; and (3) any other third party that you name along with us as defendants in a single proceeding, and (b) “you” and “your” mean each entrant, winner, individual submitting an entry, or other person bound by these Official Rules.

d. Disputes Subject to Arbitration. You or we may elect to have “Claims” arbitrated rather than resolved in court. The term “Claim” means any past, present or future claim, dispute or controversy between you and us that in any way arises from or relates to the Sweepstakes. “Claim” has the broadest reasonable meaning and includes, without limitation: (1) initial claims, counterclaims, crossclaims and third-party claims; (2) disputes based upon contract, negligence, fraud and other intentional torts, constitution, statute, regulation, ordinance, common law and equity; (3) data breach or privacy claims arising from or relating directly or indirectly to our disclosure of any non-public personal information about you; and (4) disputes arising from or related to the relationship(s) between you and us resulting from any of the foregoing. Claims are subject to arbitration even if they arise out of or relate to actions, omissions, transactions, facts, or conduct that occurred prior to your access to or use of our sites. However, this Arbitration Provision will not apply to any Claim that was already pending in court before this Arbitration Provision took effect.

e. Disputes Not Subject to Arbitration. Notwithstanding the foregoing, the following disputes are not required to be arbitrated: (1) disputes that are within the jurisdiction of a small claims court (or an equivalent court). You or we may bring an action in small claims court or, if an arbitration demand has been made, instruct the arbitration administrator to close the case because the dispute should be decided by a small claims court. However, if the dispute is transferred, removed, or appealed from small claims court to a different court, you or we may elect to compel arbitration. Moreover, if you or we bring a counterclaim or cross-claim that is for more than the small claims court’s jurisdiction, the entire dispute must, if you or we choose, be resolved by arbitration; and (2) disputes about the validity, enforceability, coverage or scope of this Arbitration Provision or any part thereof (including, without limitation, the Class Action Waiver), which are for a court and not an arbitrator to decide. However, any dispute or argument that concerns the validity or enforceability of the Official Rules, as a whole, is for the arbitrator, not a court, to decide. In addition, this Arbitration Provision does not prohibit you or us, at any time, from (1) exercising any lawful rights to preserve or obtain possession of property or self-help remedies; (2) obtaining provisional or ancillary remedies or injunctive relief (other than a stay of arbitration); or (3) bringing an individual action in court that is limited to preventing the other party from using a self-help or non-judicial remedy and that does not involve a request for damages or monetary relief of any kind.

f. Starting or Electing Arbitration. You or we may start an arbitration by filing a demand with the arbitration administrator pursuant to the administrator’s rules. You or we may also require arbitration of a Claim filed in court by filing a motion with the court to compel arbitration of the Claim. Even if you and we have chosen to litigate a Claim in court, either party may elect arbitration of a new Claim or of a Claim made by a new party in that or any related or unrelated lawsuit.

g. Choosing the Administrator. The party who commences the arbitration may select either of the following arbitration organizations to administer the arbitration under their rules that apply to consumer disputes: the American Arbitration Association (“AAA”), 120 Broadway, Floor 21, New York, NY 10271 (1-800-778-7879), www.adr.org; or JAMS, 1920 Main St. at Gillette Ave., Suite 300, Irvine, CA 92614 (1-800-352-5267), www.jamsadr.com. Moreover, in the event of a mass arbitration (as defined by the rules of the applicable arbitration administrator), the parties expressly agree that (a) if AAA is the administrator, its Mass Arbitration Supplementary Rules shall apply, and (b) if JAMS is the administrator, its Mass Arbitration Procedures and Guidelines shall apply. You can obtain a copy of the administrators’ rules by visiting their websites or calling them. The parties may also mutually agree to select an arbitrator who is an attorney, retired judge or arbitrator registered and in good standing with a bona fide arbitration association and arbitrate pursuant to the arbitrator’s rules. If AAA and JAMS cannot or will not serve, and the parties are unable to select an arbitrator by mutual consent, a court with jurisdiction will select the administrator or arbitrator, who must agree to abide by all of the terms of this Arbitration Provision (including, without limitation, the Class Action Waiver). Any arbitrator must be a practicing attorney with ten or more years of experience practicing law or a retired judge. If a party files a lawsuit in court asserting Claim(s) that are subject to arbitration and the other party files a motion to compel arbitration with the court which is granted, it will be the responsibility of the party prosecuting the Claim(s) to select an arbitration administrator in accordance with this paragraph and commence the arbitration proceeding in accordance with the administrator’s rules and procedures.

h. Jury Trial Waiver. IF YOU OR WE ELECT TO ARBITRATE A CLAIM, YOU AND WE WILL NOT HAVE THE RIGHT TO PURSUE THAT CLAIM IN COURT OR HAVE A JURY DECIDE THE CLAIM.

i. Class Action Waiver. ANY ARBITRATION MUST BE ON AN INDIVIDUAL BASIS ONLY. THIS MEANS THAT IF YOU OR WE ELECT TO ARBITRATE A CLAIM, NEITHER YOU NOR WE WILL HAVE THE RIGHT TO: (1) PARTICIPATE IN A CLASS ACTION OR OTHER REPRESENTATIVE ACTION IN COURT OR IN ARBITRATION, EITHER AS A CLASS REPRESENTATIVE, CLASS MEMBER OR OTHERWISE; OR (2) ACT AS A PRIVATE ATTORNEY GENERAL IN COURT OR IN ARBITRATION. ALSO, ABSENT THE WRITTEN CONSENT OF ALL PARTIES, NEITHER YOU NOR WE WILL HAVE THE RIGHT TO JOIN OR CONSOLIDATE A CLAIM WITH CLAIMS OF ANY OTHER PERSON OR ENTITY. An arbitration award shall determine the rights and obligations of the named parties only, and only with respect to the Claim(s) in arbitration. No arbitration administrator or arbitrator shall have the power or authority to waive or modify this section, and any attempt to do so, whether by rule, policy, arbitration decision or otherwise, shall be invalid and unenforceable.

j. Location and Costs of Arbitration. Any arbitration hearing that you attend in person must take place at a location reasonably convenient to the parties or as otherwise agreed to by the parties or ordered by the arbitrator. Each administrator charges filing and administrative fees and the arbitrator also charges fees. The parties shall pay said fees in accordance with the administrator’s rules. However, if you tell us in writing that you cannot afford to pay the fees charged by the arbitration organization and that you were unable to obtain a waiver of fees from the administrator, and if your request is reasonable and in good faith, we will pay or reimburse you for all or part of the fees charged to you by the arbitration organization and/or arbitrator. The parties shall also bear the fees and expenses of their own attorneys, experts and witnesses unless otherwise required by applicable law, the Official Rules or the administrator’s rules. If we prevail in an individual arbitration that either you or we commenced, we will not seek to recover our attorney, expert or witness fees or our arbitration fees from you. Notwithstanding the foregoing, if the arbitrator determines that any party’s claim or defense is frivolous or wrongfully intended to oppress or harass the other party, the arbitrator may award sanctions in the form of fees and expenses reasonably incurred by the other party if such sanctions could be imposed under Rule 11 of the Federal Rules of Civil Procedure.

k. Law Applied by the Arbitrator. The arbitrator must apply applicable substantive law consistent with the FAA and applicable statutes of limitations and claims of privilege recognized at law. The arbitrator is authorized to award all remedies permitted by the substantive law that would apply in an individual court action, including, without limitation, punitive damages (which shall be governed by the Constitutional standards employed by the courts) and injunctive, equitable and declaratory relief (but only in favor of the individual party seeking relief and only to the extent necessary to provide relief warranted by that party’s individual Claim). Any finding, award or judgment from an arbitration of any Claim shall apply only to that arbitration. No finding, award or judgment from any other arbitration shall impact the arbitration of any Claim.

l. Right to Discovery. In addition to the parties’ rights to obtain discovery pursuant to the arbitration rules of the administrator, either party may submit a written request to the arbitrator to expand the scope of discovery normally allowable under the arbitration rules of the administrator. The arbitrator shall have discretion to grant or deny that request.

m. Arbitration Award and Right of Appeal. At the timely request of either party, the arbitrator shall provide a written explanation for the award. However, if the amount in controversy exceeds $50,000, you or we can, within 15 days after the entry of the award by the arbitrator, appeal the award to a three-arbitrator panel administered by the administrator. The panel shall reconsider anew any aspect of the initial award requested by the appealing party. The decision of the panel shall be by majority vote. Reference in this Arbitration Provision to “the arbitrator” shall mean the panel if an appeal of the arbitrator’s decision has been taken. The costs of such an appeal will be borne in accordance with the paragraph above titled “Location and Costs of Arbitration.” The original award or any subsequent award on the appeal described above shall be final and binding, subject to any further appeal rights under the FAA, and may be entered as a judgment by any court having jurisdiction.

n. Rules of Interpretation. This Arbitration Provision is binding upon and benefits you, your respective heirs, successors and assigns, and us and our respective successors and assigns. This Arbitration Provision shall survive (1) the conclusion of the Sweepstakes, including any termination or suspension thereof, or (2) any bankruptcy to the extent permitted by applicable bankruptcy law. In the event of a conflict or inconsistency between this Arbitration Provision, on the one hand, and the applicable arbitration rules or the other terms of these Official Rules, on the other hand, this Arbitration Provision shall govern.

o. Severability. If any portion of this Arbitration Provision is held to be invalid or unenforceable, the remaining portions shall nevertheless remain in force, subject to two exceptions: (1) if a determination is made that the Class Action Waiver is unenforceable, and that determination is not reversed on appeal, then the Arbitration Provision (except for this sentence) shall be void in its entirety; and (2) if a court determines that a public injunctive relief Claim may proceed notwithstanding the Class Action Waiver, and that determination is not reversed on appeal, then the public injunctive relief Claim will be decided by a court, any individual Claims will be arbitrated, and the parties will ask the court to stay the public injunctive relief Claim until the other Claims have been finally concluded.

p. Notice and Cure. Prior to initiating a lawsuit or an arbitration proceeding under this Arbitration Provision, you or we, as applicable, shall give the other party written notice of the Claim (a “Claim Notice”) and a reasonable opportunity, not less than 30 days, to resolve the Claim. Any Claim Notice to you shall be sent in writing by mail to any address you provided in connection with your account (or any updated address you subsequently provide), or by any other reasonable method if you have not provided an address. Any Claim Notice to us shall be sent by mail to Credit Union, Attn: CLAIM NOTICE, P.O. Box 28327, Raleigh, NC 27611 (or any updated address we subsequently provide). Any Claim Notice you send must include your name, address, and information sufficient to identify your account (if any) and explain the nature of the Claim and the relief demanded. You may only submit a Claim Notice on your own behalf and not on behalf of any other party. The party giving a Claim Notice must reasonably cooperate in providing any information about the Claim that the other party reasonably requests.

Sponsored by: State Employees’ Credit Union, 119 N. Salisbury St, Raleigh, NC 27603.