LLCU MOVE YOUR MORTGAGE SWEEPSTAKES
YOU GET A QUOTE…YOU GET A CHANCE!
Simply get a quote on a new or refinanced mortgage loan to LLCU between Aug. 1st and Sept. 30th and you’ll be entered in the drawing for:
$500 VISA GIFT CARD
APPLE AIRPODS PRO
AMAZON ECHO SPEAKER
ABSOLUTELY NO PURCHASE NECESSARY!
Drawing will take place on Friday, October 2nd. IT IS FREE & EASY to get a quote – And you can do it from the comfort of your couch!
WHY SHOULD I REFINANCE?...
- To get a lower rate.
- To pay off a mortgage faster.
- To consolidate debt.
- To change to a more beneficial mortgage type.
- To eliminate mortgage insurance.
- To have a chance to win great prizes!
I’M SHOPPING FOR A NEW HOME, WILL I GET ENTERED?...
- YES! – Sweepstakes is for NEW LLCU mortgages closed also!
- We offer the most competitive loan rates in Central Illinois
- Our Mortgage Loan Officers have over 40 years of experience combined
- LLCU is the largest Decatur-based Credit Union
APPLY NOW CALL: 1-844-222-7788 EMAIL: firstname.lastname@example.org
All new & refinanced (from another F.I.) first mortgage loans from August 1st – September 30th, 2020 will qualify for the sweepstakes drawings. Drawings will be held on Friday, October 2nd, 2020. The name of the person requesting the mortgage quote will be entered in the contest. Only one person’s name per quote will be entered. Contest entry will be processed by the Loan Officer executing the mortgage quote. Sweepstakes prizes will be paid out in the form of a $500 VISA® gift card, Apple AirPods (not to exceed $250 in retail value) and an Amazon Echo Dot (not to exceed $100 in retail value) and will be reported to the IRS. Land of Lincoln Credit Union does not offer tax advice. All loans must be current, and accounts must be in good standing to receive the Sweepstakes prize. Loan is subject to underwriting guidelines. This offer may be modified or withdrawn any time without notice and cannot be combined with any other LLCU offers or promotional rates. For full details and a full copy of the Sweepstakes Contest Rules, visit www.llcu.org.
- Eligibility: The LLCU “MOVE YOUR MORTGAGE SWEEPSTAKES” is open to anyone who: (i) follows these rules; (ii) is a legal U.S. resident and (iii) is 18 years of age or over as of August 1st, 2020. Officers, directors, and employees of LLCU are not eligible to win a Prize but immediate family members (spouse, parent, child, sibling) and persons residing in their households are eligible to enter the Sweepstakes. The Sweepstakes is void where prohibited by law. The Sweepstakes is subject to all applicable federal, state, and local laws and regulations. By participating in the Sweepstakes, you agree to the terms and conditions of these Official Rules. Three prize winners will be selected randomly for the three prizes from all entries received between August 1, 2020 and September 30, 2020. Each mortgage loan quote that is completed during the promotional period will constitute an entry. The promotion will run from August 1, 2020 through September 30, 2020. The Sweepstakes begins at 8:00 AM CT on August 1, 2020 and ends at 5:30 PM CT on September 30, 2020. No Purchase Necessary. LLCU Membership is not required.
- Prizes: Three (3) prizes will be awarded in total. The first prize is a $500 VISA® GIFT CARD. This gift card is a form of currency and can be used as payment at any location where VISA® is accepted. (gift card activation fees covered by LLCU). The second prize is one set of APPLE AIRPODs PRO that is not to exceed $250 in retail value. The third and final prize is an AMAZON ECHO SPEAKER that is not to exceed $100 in retail value. All prizes are subject to availability and may be subject to change without prior notice with an item of equal or greater value.
- The Winners are responsible for payment of all applicable federal, state, and local taxes imposed on the Prize and may be required, as a condition of receiving a Prize, to provide LLCU with their Social Security number so that appropriate reports may be filed with the appropriate taxing authorities.
- How to Enter: To win a Prize, you are not required to purchase goods or services from LLCU, pay any money to LLCU, or submit to a sales promotion effort. To enter, individual is required to reach out to an LLCU Mortgage Lending Officer and request a quote for a first mortgage loan or a first mortgage refinanced loan. The requested quote will serve as the official “entry” as it is processed in the LLCU loan system. Only one (1) Sweepstakes entry will be submitted per mortgage finance or refinance quote. Each quote processed will serve as one (1) official entry to the Sweepstakes. Only the name of the primary individual requesting and processing the quote will be submitted in the Sweepstakes.
- All entries must be submitted by 11:59 PM on September 30th, 2020 (CT) when the Promotional Period ends.A requested finance or refinance quote submitted via internet, by the aforementioned deadline, will qualify. LLCU is not responsible for any omitted, lost, incomplete, misdirected or fraudulent entries.
- All entries submitted automatically become the property of LLCU and will not be returned. Entries may be used by LLCU for promotional purposes.
- Drawing: The Sweepstakes Prize drawing for the top three prizes will be held on or about October 2nd, 2020. The winners will be selected by a random drawing from all submitted entries, based on all requested quotes for first mortgage financing or refinancing that were processed during the Promotion Period.
- The odds of winning are dependent on the number of eligible entries received. You need not be present at the drawing to win.
- The Winners may be required to sign and return an affidavit of eligibility within 14 days of notification attempt. If such an affidavit is required, a failure to return the affidavit in the time noted will result in disqualification of the Winner’s entry and the random selection of an alternate Winner. By participating in the Sweepstakes, you agree to accept the decision of the judges as final in all matters relating to the Sweepstakes.
- Notification: The Winners will be notified by phone, e-mail and/or U. S. mail. LLCU is not responsible for notifications that are misdirected or not received because of incorrect information. If LLCU, after reasonable effort, is unable to contact the Winner within 10 business days from the first notification attempt, that Winner may be disqualified and an alternate Winner may be selected. Any notification returned as “undeliverable” will result in the disqualification of the Winner and the awarding of that Prize to an alternate Winner.
- Winner List: You may obtain the names of the Winners on or after October 16th, 2020 by sending a self-addressed, stamped envelope to “Land of Lincoln Credit Union, Mortgage Mula Sweepstakes”, Attn: Marketing Department – 4850 E Prosperity Place, Decatur, IL 62521.
- Limitation of Liability: By participating in the Sweepstakes, each entrant agrees that LLCU and its officers, directors, employees, agents, and representatives shall have no liability whatsoever to the entrants or others for any and all damages, whether direct or indirect, of any kind or nature arising out of or resulting from participation in the Sweepstakes or the acceptance, possession, use, or enjoyment of any Prize.
- LLCU is not responsible for lost, late, misdirected, fraudulent or ineligible entries nor any combination thereof. LLCU is not responsible for any injury or damage to entrants’ or any other person's computer related to or resulting from the download of any materials related to the Sweepstakes. If for any reason the Internet portion of the Sweepstakes is not capable of running as planned, including, but not limited to, infection by computer virus, bugs, tampering, unauthorized intervention, fraud, technical failures, or any other causes beyond the control of LLCU that corrupts or affects the administration, security, fairness, integrity, or proper conduct of the Sweepstakes, LLCU reserves the right in its sole discretion to cancel, terminate, modify, or suspend the Sweepstakes.
- LLCU reserves the right, in its sole discretion, to disqualify any entrant, including a Winner, who does not comply with these Official Rules. LLCU also reserves the right, in its sole discretion, to disqualify any entrant, including a Winner, who does or attempts to: (i) enter the Sweepstakes through any means other than as described in these Official Rules; or (ii) disrupt or damage LLCU’s website or social media channels, undermine the legitimate operation of the Sweepstakes, circumvent the terms and conditions of these Official Rules, or otherwise tamper with the Sweepstakes in any manner. If either of the above occurs, LLCU reserves the right to remedy any such action, disruption, or circumvention, and to seek damages from an entrant to the fullest extent permitted by law. Any attempt to deliberately damage LLCU’s website or social media channels to undermine the legitimate operation of the Sweepstakes is a violation of criminal and civil laws.
- Consent to Publicity and Release: By entering the Sweepstakes, you consent to the use of your name and/or likeness for publicity purposes in the event that you win a Prize without further compensation, unless such use is prohibited by applicable law. You agree to release and hold harmless LLCU, its employees, agents, representatives, and affiliates from any and all claims of any kind arising directly or indirectly from any publicity about the Sweepstakes.
- Official Rules: For a copy of official Sweepstakes rules, send a self-addressed stamped envelope to “Land of Lincoln Credit Union, Mortgage Mula Sweepstakes”, Attn: Marketing Department, 4850 E Prosperity Place, Decatur, IL 62521. Questions concerning any aspect of this Sweepstakes will be resolved by the Board of Directors of LLCU, and any such resolution will be final.