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1 NO PURCHASE NECESSARY. GIVEAWAY OPEN TO U.S. RESIDENTS, OVER THE AGE OF 18, RESIDING IN THE U.S. ONLY (GIVEAWAY VOID OUTSIDE THE U.S.) THROUGHOUT THE GIVEAWAY PERIOD. GIVEAWAY SHALL BE CONSTRUED AND EVALUATED ACCORDING TO MICHIGAN LAW. DO NOT ENTER THIS GIVEAWAY IF YOU ARE NOT A LEGAL U.S. RESIDENT. VOID WHERE PROHIBITED.

1. HOW TO ENTER: No purchase necessary, and no entry fee, payment, or proof-of-purchase necessary to participate in Giveaway. Giveaway starts January 1, 2024 at 12:00 AM EST and ends March 31, 2024 at 11:59 PM EST. This is to be referenced as the "Giveaway Period". Each referred member equals one entry for the referring member and the referred members. Unlimited entries permitted per referring member. The referred member must open an account and satisfy the par share requirement for the referring member and the referred member to be eligible for entry. Membership eligibility and restrictions may apply.

2. Prize: $500 – in the form of a VISA gift card or check deposited into the winner’s account

3. DRAWING: The winner will be selected in a random drawing from among the other eligible entries received during the giveaway period. The drawing will be conducted on April 3, 2024 using the application WooBox.

4. ELIGIBILITY: YOU MUST BE A LEGAL U.S. RESIDENT OVER THE AGE OF 18, AND RESIDENT OF THE UNITED STATES, RESIDING IN THE UNITED STATES THROUGHOUT THE GIVEAWAY PERIOD TO BE ELIGIBLE TO WIN. Parda Credit Union may require potential winner to submit proof of legal U.S. residency to determine eligibility and as a condition of prize award. Employees, Directors, and Committee Members of Parda Credit Union and its respective subsidiaries, divisions, affiliates, suppliers, printers, distributors and advertising, promotional and judging agencies and the immediate family members of each, are not eligible to participate or win.

5. GENERAL: This giveaway is subject only to the laws of the State of Michigan in the United States. Prizes will be awarded and/or delivered only to an address within the United States. Any unclaimed prizes will not be awarded. Winner will be solely responsible for all applicable federal, state and local taxes on prizes.

6. CONDUCT: By entering this giveaway, entrants agree to be bound by these official rules and the decisions of the winner that shall be final and binding in all respects. Failure to comply with these official rules may result in disqualification. Parda Credit Union reserves the right at its sole discretion to disqualify any individual found to be tampering with the entry process or the operation of the giveaway or the website; or to be acting in any manner deemed by Parda Credit Union to be in violation of the official rules; or to be acting in any manner deemed by Parda Credit Union to be unsportsmanlike or disruptive, or with intent to annoy, abuse, threaten or harass any other person. CAUTION: ANY ATTEMPT BY A USER OR ENTRANT OR ANY OTHER INDIVIDUAL TO DELIBERATELY DAMAGE ANY WEB SITE OR UNDERMINE THE LEGITIMATE OPERATION OF THE GIVEAWAY IS A VIOLATION OF CRIMINAL AND CIVIL LAWS AND SHOULD SUCH AN ATTEMPT BE MADE, PARDA CREDIT UNION RESERVES THE RIGHT TO SEEK DAMAGES FROM ANY SUCH PERSON TO THE FULLEST EXTENT PERMITTED BY LAW.

7. LIMITATIONS OF LIABILITY: Parda Credit Union assumes no responsibility or liability for: (a) any incorrect or inaccurate entry information, or for any faulty or failed electronic data transmissions; (b) any unauthorized access to, or theft, destruction or alteration of entries at any point in the operation of this giveaway; (c) any technical malfunction, failure, error, omission, interruption, deletion, defect, delay in operation or communications line failure, regardless of cause, with regard to any equipment, systems, networks, lines, satellites, servers, computers or providers utilized in any aspect of the operation of the giveaway; (d) in accessibility or unavailability of the Internet or the Web Site or any combination thereof; (e) any injury or damage to participants or to any other person's computer which may be related to or resulting from any attempt to participate in the giveaway or download of any materials in the giveaway. If, for any reason, the giveaway is not capable of running as planned for reasons which may include without limitation, infection by computer virus, tampering, unauthorized intervention, fraud, technical failures, or any other causes which may corrupt or affect the administration, security, fairness, integrity or proper conduct of this giveaway, then sponsor reserves the right at its sole discretion to cancel, terminate, modify or suspend the giveaway in whole or in part.

8. WINNER NOTIFICATION: The winner will be notified within 7 days of the selection via email and/or phone call using the information on file. Prizes will be mailed to the winner's provided home address or picked up at a local branch by the winner. Allow 1 to 2 weeks for delivery. Prizes will only be delivered to addresses within the United States.

9. RELEASES: All entrants, as a condition of entry into the giveaway, agree to release Parda Credit Union and its employees, directors, committee members, subsidiaries, divisions, affiliates, suppliers, printers, distributors and advertising, promotional or judging agencies, from and against any and all liability, claims or actions of any kind whatsoever for injuries, damages, or losses to persons or property which may be sustained in connection with accessing the web site, submitting an entry or otherwise participating in any aspect of the giveaway, the receipt, ownership or use of any prize awarded, or while preparing for, participating in or traveling to or from any prize-related activity or any typographical or other error in these official rules or the announcement of offering of any prize. Entrants agree that Parda Credit Union may use, for marketing or other purposes, information that entrants voluntarily provide in conjunction with the giveaway, and entrants hereby release Parda Credit Union from any claims related to such use of such information. The winner shall bear all risk of loss or damage to their prize after it has been delivered. Parda Credit Union makes no representations or warranties of any kind concerning the appearance, safety or performance of any prize. Except for residents of TN and where prohibited by law, winner grant to Parda Credit Union the right to print, publish, broadcast and use worldwide in any media now known or hereinafter known (including without limitation use online at the Web Site) the winner name, address, voice, statement, picture or other likenesses, without additional compensation, for public relations, advertising and promotional purposes as may be determined by Parda Credit Union. Winner also agree that, upon reasonable notice, winner will use good faith efforts to be available to travel for the promotional purposes of Parda Credit Union for a period of one year from the drawing date. In the event winner is required to travel, sponsor agrees to pay all costs associated there with.

10. WINNERS LIST: For the names of the winner, email your request within four (4) weeks of the end of the Entry Period to marketing@parda.com. In the subject line, please reference "Q1 2024 Referral Giveaway Winner".

11. SPONSOR: Parda Federal Credit Union 2601 Cambridge Ct Suite 210 Auburn Hills. MI 48326

EFFECTIVE 2.20.2024. OFFER SUBJECT TO CHANGE WITHOUT NOTICE.

2Existing members receive $25.00 for each new member they refer to Parda who opens a qualifying account with Parda Federal Credit Union (Parda). The $25 bonus will be credited to the primary savings account of the referring member within 15 days of the statement cycle which follows the 90th day of the referred member account opening. Maximum bonus allowed is $600 per member per calendar year. Member is responsible for any applicable taxes. Referred member cannot be a member/owner on any existing or previously closed Parda account. Members must be in good standing to receive bonus. Employees of Parda Credit Union are not eligible to participate.

3Each referred consumer must become a member, by opening a share savings account with a minimum deposit of $1. The following transactions must post to the account within the first 90 days of account opening for the Referred New Member to receive a $50 bonus: an active checking account with 15 member-initiated debit card transactions and; at least three ACH payroll deposits of at least $250 each; and be enrolled for eStatements; The referred member has the opportunity to earn an additional $50 for each new loan in an amount of $2,500 or more, maximum of 2 loan bonuses. The maximum bonus paid to any one referred member is $150 or 1 payment per qualifying activity. Bonus(es) will be credited to the referred members primary share account within 15 days of the statement cycle which follows the 90th day since account opening. All bonuses are limited to one per referred member, per account. Members with multiple accounts or accounts with multiple owners will not receive multiple bonuses. Account must be in good standing to receive any bonus and member is responsible for all applicable taxes. Loan approval based on individual credit history, term, collateral and ability to repay. Representative Payee accounts are not eligible. Not valid with any other offers and subject to change at any time. Employees of Parda Credit Union and employee family members living in the same household are not eligible to participate in referral program.