PARTNERS FEDERAL CREDIT UNION

2017 PARTNERS AULANI VISA CREDIT CARD GIVEAWAY FULL DISCLOSURE

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. MAKING A PURCHASE WILL NOT IMPROVE AN INDIVIDUAL ENTRY'S CHANCES OF WINNING.

3. Consumer Disclosure: Odds of winning are based upon the number of entries. Based upon the Credit Union's estimate of 400,000 entries during the sweepstakes period, odds of winning a prize is 1 in 400,000.

4. Sponsor: Partners Federal Credit Union (the "Credit Union" or "Partners FCU") is the sponsor of the Sweepstakes. The Credit Union's business address is: 100 N First St, Suite 400, Burbank, CA 91502

5. Sweepstakes Period: Sweepstakes begin June 6, 2017 and end July 29, 2017 ("Sweepstakes Period").

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. 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: Eligible persons may enter by legibly printing their name, address (including zip code), daytime telephone number (including area code), and e-mail address (optional) on a 3" x 5" card and by sending it in a #10 stamped envelope to:

Partners Federal Credit Union
"Partners Visa Credit Card Aulani Sweepstakes"
P.O. Box 10000
Lake Buena Vista, FL 32830-1000
Attention: Marketing Department

Limit one (1) mail-in entry per Member.

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. Mail-in entries must be received by 5 p.m. Pacific Time on June 29, 2017. 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: There will be one (1) prize drawing during the sweepstakes period in which the prize will be awarded. The prize drawing will be held at 100 N. First St., Suite 400, Burbank, CA 91502. Winners need not be present and will be notified by phone or mail within two (2) weeks of the drawing.

Prize: One (1) winner will be awarded a five (5) night hotel accommodation Aulani, A Disney Resort & Spa in Ko Olina, Hawai'i for four (4) persons. Grand prize trip will consist of the following elements for the group: [1] hotel accommodations (one standard room, quadruple occupancy) for five (5) nights at Aulani; [2] four (4) round-trip coach commercial airline tickets from Los Angeles International Airport (LAX) or Orlando International Airport (MCO); [3] hotel/Airport transportation to and from Aulani, A Disney Resort & Spa in Ko Olina, Hawai'i. The prize cannot be used in conjunction with any other promotion or offer. Prize elements may not be separated. There are no other prizes. All expenses not specifically mentioned herein are not included and are solely the Winner’s responsibility, including but not limited to: airline baggage fees, meals, alcoholic beverages, tax, gratuities and tips, insurance, laundry service, merchandise, parking, room service, service charges, souvenirs and telephone calls. Airline carrier and hotel regulations and conditions apply. Travel and lodging are subject to availability, certain restrictions, blackout dates and Sponsor’s approval. Vacations package will expire April 31, 2018. Group must travel on the same itinerary and must travel from Los Angeles, CA or Orlando, FL. A minor (as defined by state of primary residence, “Minor”) may not participate in the Trip unless accompanied by his/her Parent (or Legal Guardian) as a member of the Group. All members of the Group will be required to execute and return a Release of Liability prior to ticketing. Approximate retail value (“ARV”): $7,655, which will vary depending upon point of departure and seasonal fluctuation of lodge rates and airfares. If the actual value of the prize is less than the stated ARV, the difference will not be awarded. Prize is not redeemable for cash or transferable. No substitution allowed except, at Sponsor’s sole discretion, a prize of equal or greater value may be substituted. The prize cannot be used in conjunction with any other promotion or offer. Prize elements may not be separated. The prize will be awarded provided it is validly claimed by August 18, 2017, after which an alternate Winner may be selected, time permitting nor unclaimed prize awarded. Sweepstakes promotion is open to Members over the age of eighteen (18) in good standing. © Partners FCU and © Disney

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, converted to cash, 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 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: 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. 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 upon the election of either you or us any claim or dispute arising out of or connected with this Sweepstakes will be resolved by

administered by the American Arbitration Association in accordance with its Commercial Arbitration Rules and Mediation Procedures and Supplementary Procedures for Consumer-Related Disputes. As a result, you will GIVE UP YOUR RIGHT TO GO TO COURT to assert or defend your rights under these Official Rules (EXCEPT for matters within SMALL CLAIMS COURT jurisdiction). You acknowledge that by agreeing to

BINDING ARBITRATION

you understand and agree to the following terms:

• Your rights will be determined by a NEUTRAL ARBITRATOR and NOT a judge or jury. You understand and agree that
  YOU ARE WAIVING THE RIGHT TO A TRIAL BY JURY
  .
• Arbitration proceedings provide you a
  FAIR HEARING
  , BUT the arbitration procedures are
  SIMPLER AND MORE LIMITED THAN RULES APPLICABLE IN COURT
  .
• Arbitration decisions are as enforceable as any court order and are subject to
  VERY LIMITED REVIEW BY A COURT
  .
• ARBITRATORS can award the same REMEDIES including DAMAGES that a COURT can award.
• Any ARBITRATION under these Official Rules
  WILL BE ON AN INDIVIDUAL BASIS
  . You understand and agree that
  YOU ARE WAIVING THE RIGHT TO PARTICIPATE AS A CLASS REPRESENTATIVE OR CLASS MEMBER IN A CLASS ACTION
  .
• The PLACE OF ARBITRATION shall be in the federal district WHERE YOU RESIDE.
• WE WILL REIMBURSE YOU FOR ANY FILING, ADMINISTRATION, AND ARBITRATOR FEES as imposed by the American Arbitration Association. However, if the arbitrator determines that
  YOUR CLAIM IS FRIVOLOUS, UNWARRANTED, OR BROUGHT FOR AN IMPROPER PURPOSE
  (in accordance with the Federal Rules of Civil Procedure Section 11(b)) YOU WILL RETURN TO US ANY FILING, ADMINISTRATION, AND ARBITRATOR FEES WE PAID.
• If YOU PREVAIL on the merits of your claim in arbitration, WE WILL PAY YOUR ATTORNEYS' FEES. You will NOT be required to pay OUR ATTORNEYS' FEES IF WE PREVAIL.

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.