OFFICIAL RULES

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

2. EACH SWEEPSTAKES ENTRY WILL HAVE AN EQUAL CHANCE OF WINNING.

3. Consumer Disclosure: Odds of winning are based on entries received. Based upon Partners FCU's estimate of 7,000 entries, odds of winning are 1 in 7,000.

4. Sponsor: Partners Federal Credit Union ("the Credit Union") is the sponsor of the Sweepstakes. The Credit Union's business address is: P.O. Box 10000, Lake Buena Vista, FL 32830-1000

5. Sweepstakes Period: Sweepstakes promotion period is from 5/29/12 to 7/20/12.

6. Eligibility: Credit Union employees, officials, and members of their immediate families are not eligible to participate in the Sweepstakes. To qualify for the Sweepstakes, you must be at least 18 years of age and a member in good standing. Giveaway promotion period is from 5/29/12 to 7/20/12. Partners FCU reserves the right to verify the accuracy of entries. By entering this Sweepstakes, you accept and agree to be bound by these Official Rules and the decisions of the Credit Union. Sweepstakes void where prohibited by law.

7. Sweepstakes Entries: Members who (1) apply for a Partners FCU auto loan; (2) join Partners FCU; and (3) apply and are approved for a Partners FCU Visa credit card. Entry is also available by legibly printing your name, address and daytime telephone number on a plain 3x5 card and mailing it to Partners FCU, Attn: Marketing, BRAVE Drawing, P.O. Box 10000, Lake Buena Vista, FL 32830-1000. Limit three entries per Member. Entries must be received by 7/20/12 and hand-written entries must be postmarked on or before 7/20/12 to be included in the drawing.

If a write-in entry form or card is drawn, but judges are unable to determine the winner because of illegible writing, that entry form or card will be disqualified. No copies, mechanical reproductions, or metered mail accepted. Proof of mailing does not constitute proof of delivery. The Credit Union is not responsible for lost, late, incomplete, misdirected, damaged, postage-due, or illegible entries or mail. Once submitted, entries become the sole property of the Credit Union and will not be acknowledged or returned.

8. Prize Drawings: Winner will be drawn on or before 8/1/12 from all valid entries. Winner will be notified by 8/3/12 via a telephone call. Odds of winning are based on entries received.

Grand Prize: One cash prize of $5,000 will be awarded. Include any restrictions related to disbursement of the cash prize, such as, for example, that the cash prize will be deposited by the Credit Union into the winner's primary share account.

9. Liability/General Rules: The Credit Union is not responsible for any loss which may occur in connection with the Sweepstakes. You agree to hold the Credit Union harmless from any liability arising from participation in the Sweepstakes or the acceptance, receipt, possession, or misuse of the prize. The Credit Union and each of its officers, directors, employees, members, and representatives and agents are not responsible for any negligence, claims, liability, injury, property loss, or other damages of entrants and/or winners arising from, or in connection with, acceptance, receipt, possession, or use/misuse of prizes awarded or participation in this Sweepstakes. 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 substitute a prize of equal or greater value should the featured prizes become unavailable for any reason. The Credit Union reserves the right to disqualify entrants who fail to follow these Official Rules and regulations or who make any misrepresentations relative to the Sweepstakes and redemption of a prize.

10. Tax Issues: The Credit Union will report all prize winnings to the appropriate state and federal agencies as required by applicable law. Winners are responsible for all tax consequences (if any) of the prizes.

11. 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.

12. ARBITRATION: NOTICE OF BINDING ARBITRATION AGREEMENT: You and we agree to attempt to informally settle any disputes arising out of or connected with this Sweepstakes or any prizes awarded. If that cannot be done, you and we agree that any dispute arising out of or connected with this Sweepstakes will be resolved by BINDING ARBITRATION administered by the American Arbitration Association in accordance with its Commercial Dispute Resolution Procedures and Supplementary Procedures for Consumer-Related Disputes. You thus GIVE UP YOUR RIGHT TO GO TO COURT to assert or defend your rights under these Official Rules (EXCEPT for matters that may be taken to SMALL CLAIMS COURT). Your rights will be determined by a NEUTRAL ARBITRATOR and NOT a judge or jury. You are entitled to a FAIR HEARING, BUT the arbitration procedures are SIMPLER AND MORE LIMITED THAN RULES APPLICABLE IN COURT. Arbitrator decisions are as enforceable as any court order and are subject to VERY LIMITED REVIEW BY A COURT. The place of arbitration shall be in the County in which you reside. FOR MORE DETAILS, check the American Arbitration Association's website, www.adr.org, OR call the American Arbitration Association's Customer Service telephone number at (800) 778-7879.

13. Choice of Law: All issues and questions concerning the construction, validity, interpretation, and enforceability of these Official Rules, or the rights and obligations of entrant 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 USA, without regard to choice of law rules.