It Pays to Bank Online

*OFFICIAL RULES

1. SPONSOR: Cobalt Credit Union, 7148 Towne Center Pkwy, Papillion, NE 68046

2. ELIGIBILITY: Must be a legal resident 19 years of age or older as of date of entry. Offer excludes Cobalt Credit Union employees and accounts on which an employee is joint, Board of Directors and Supervisory Committee members of Cobalt CU. All federal, state and local laws and regulations apply. Void where prohibited by law.

3. HOW TO ENTER: No purchase necessary. The odds of winning are equal among all individuals actively enrolled in Cobalt Digital Banking. Entries must be submitted during the promotional period between 03/17/2025 and 12/31/2025. There are two (2) methods of entry: 1) Automatically via active enrollment status in Cobalt Digital Banking while being a Cobalt Credit Union member; Cobalt CU members who are actively enrolled in Cobalt Digital Banking will receive one (1) entry. 2) Via U.S. mail: Entries may be submitted via a handwritten letter to the Sponsor via U.S. mail to 7148 Towne Center Pkwy, Papillion, NE 68046. Must include name, full mailing address, email address and a telephone number to be considered a complete entry. Mail-in entries must be postmarked the last day of the month to be eligible for entry during that month. Incomplete entries will not be considered. Contest is limited to one entry per drawing per Cobalt Credit Union member. Other restrictions or exclusions may apply.

4. RANDOM DRAWINGS: Random drawings will be conducted on the first Wednesday of each month beginning 04/2/2025 during the promotional period from all eligible entries received for each drawing. Cobalt CU will notify monthly winners by email and telephone. Winners will be required to complete and sign an Eligibility & Release Form. Such document must be provided within seven (7) calendar days from the date of telephone notification, as determined by Cobalt CU. Noncompliance within these time periods will result in disqualification by Cobalt CU and an alternate winner will be selected, time permitting. Winners’ Cobalt CU accounts must in good standing at the time of drawing and have not caused a loss to the credit union. Odds of winning will depend on the number of eligible entries received for each monthly drawing. Entries are not carried over from month to month.

5. PRIZES & VALUE: One (1) prize winner will be selected at random each month. Prize retail value: $100. Prize funds will be sent via ACH to the member’s Cobalt CU Share Savings account, or provided in cash equivalent, within seven (7) days after winner’s Eligibility & Release Form is received. Total value of all prizes available to be won is $1,000. No substitution, assignment, or transfer of prize by winners permitted. Winners will be responsible for all federal, state and local income taxes and may be required to certify their Taxpayer Identification Number on IRS Form W-9 if requested. Winnings are subject to 1099 reporting.

6. GENERAL RULES: By accepting prize, winners agree to hold the Cobalt CU and the respective directors, officers, employees, volunteers, agents, advisers, and assigns of all of the foregoing parties harmless against any and all claims and liability arising out of winning, receipt of, or use of a prize. Winners assume all liability for any injury or damage caused, or claimed to be caused, by participation in this promotion or use or redemption of any prize. Acceptance of prize constitutes permission to the Sponsor to use winner's name, photograph and/or likeness for purposes of advertising, promotion, or trade without further compensation, unless prohibited by law. By participating in this promotion, entrants agree to be bound by these Official Rules and the decisions of Cobalt CU, which are final. In the event there is a discrepancy or inconsistency in any promotional material, the Official Rules shall prevail, govern and control. All material submitted becomes the sole property of Sponsor and will not be returned. Sponsor is not responsible for any typographical or other error in the printing of the offer, administration of the drawing, or in the announcement of the prizes. In no event will more than the stated number of prizes be awarded. Claims may not be resolved through any form of class action. Cobalt CU is not responsible for any technical problems, delays in processing transactions, non-receipt of a transaction, computer, electronic malfunction, human error, malfunctions of telephone lines, computer systems, servers, providers, hardware, software, lost or unavailable network connections or failed, incomplete, garbled or delayed computer transmission or any combination thereof. Entries that are suspected of being fraudulent (e.g., those using robotic, automatic, programmed or similar methods of participation) will be disqualified, based on determinations made solely by Sponsor. Sponsor reserves the right to prohibit the participation of an individual if fraud, abuse, or tampering is suspected, if winner verification documents are obtained or submitted illegitimately or if an entrant fails to comply with any requirement of participation as stated herein or with any provision in these Official Rules. Sponsor reserves the right to cancel, suspend, modify any method of entry if fraud, abuse, misconduct or technical failures inherent to that method of entry destroy the integrity of the program; or if a computer virus, bug or other technical problem corrupts the administration, security or proper administration of the program as determined by Sponsor in their sole discretion. In the event of termination of any method of entry, all remaining drawings will be conducted from among all eligible entries received from such method of entry prior to termination (of such method of entry) and all remaining entries received from non-terminated methods of entry. Proof of submitting entry will not be deemed proof of receipt by Sponsor.