Refer A Friend Sweepstakes Official Rules


  1. Eligibility: The Refer a Friend Sweepstakes (the “Sweepstakes”) is open to any individual or business account holder who is a member or joint owner in good standing with Aberdeen Proving Ground Federal Credit Union (“APGFCU”), a legal U.S. citizen and at least 18 years of age. Officers, directors, volunteers, and employees of APGFCU and members of their immediate families (spouse, parent, child, and sibling) and persons residing in their households (whether related or not) are ineligible to participate in this Sweepstakes. Void where prohibited or restricted by law. Sweepstakes 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.
  2. How To Enter: The Sweepstakes begins on 02/01/14 and ends on 12/31/14 (“Promotion Period”). Current members will be entered into the drawing for each New Member who joins APGFCU by opening a $5 share savings account and submitting a completed Referral & Entry Form during the Promotion Period. Members may refer as many new members as they wish; however, a separate Referral and Entry form must be completed for each referred new member. Members may refer a prospective member to open an account through any APGFCU branch office; through the mail; or online at When a referred member opens an account either at a branch or through the mail, a completed Referral & Entry Form must be submitted with the completed application in order to have a valid entry into the Sweepstakes. Members must submit, either through the mail or at any branch office, a completed Referral & Entry Form for anyone they refer who opens their account online. Alternate Entry: To enter without completing a Referral & Entry Form, members must clearly print his/her name, complete address and phone number on a 3” x 5” card and mail it to: Refer a Friend Sweepstakes, Attn: Member Service Center, P.O. Box 1176, Aberdeen, MD 21001. Only postal mail entries will be accepted. Only one (1) mailed entry per member allowed. Duplicate entries will be destroyed. APGFCU is not responsible for lost, late, misdirected, postage due, damaged, mutilated, illegible, or incomplete entries. All entries will become the property of APGFCU and will not be acknowledged or returned. Referral and Entry forms may be downloaded at or picked up in any APGFCU branch. This Sweepstakes is subject to cancellation at any time, for any reason and without prior notice. Entry into this Sweepstakes may not be combined with any other new member offer currently available.
  3. Drawings: Potential winners will be selected from all eligible entries received in random drawings held on or about the fifteenth (15th) of every month, beginning with March 2014 through January 15, 2015. Winners will be selected by APGFCU, whose decisions are based on its sole discretion and interpretation of these Official Rules, and are final and binding in all respects. Entries not drawn as potential winners will be included in all future drawings. Members in good standing who have submitted multiple entries are eligible to win multiple prizes.
  4. Notification: The potential winners will be notified by phone, e-mail or U.S. mail. APGFCU is not responsible for notifications that are misdirected or not received because of incorrect information. If APGFCU, after reasonable effort, is unable to contact the potential winner(s) within 10 business days from the first notification attempt, the potential winner(s) may be disqualified and an alternate winner(s) may be selected.
  5. Odds: Actual odds of winning will depend on the total number of eligible entries received.
  6. Prize Description: One (1) winner each month will receive one (1) $100 Visa Gift Card. Winner must be in good standing with APGFCU to receive the prize. No substitution or cash equivalent (or portion of prize) permitted. The winner is responsible for payment of all applicable federal, state, and local taxes imposed on the prize and for any other expenses not specified. APGFCU reserves the right to substitute a prize of equal or greater value if the designated prize should become unavailable for any reason.
  7. Winners List: You may obtain a list of the Winners on or after February 15, 2015, by sending a self addressed, stamped envelope to Refer a Friend Sweepstakes, Attn: Marketing Department, P.O. Box 1176, Aberdeen, MD 21001.
  8. 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. You agree to release and hold harmless APGFCU, its employees, agents, representatives, and affiliates from any and all claims arising directly or indirectly from any publicity about the Sweepstakes.
  9. Limitation of Liability: APGFCU does not in any way endorse, warrant, or assume liability for the prizes offered in this Sweepstakes. APGFCU is not responsible for printing or typographical errors in any Sweepstakes related material, or stolen, lost, late, misdirected, damaged, incomplete, or illegible entries. APGFCU reserves the right to cancel or modify the Sweepstakes if fraud compromises the integrity of the Sweepstakes as determined by APGFCU in its sole discretion. APGFCU reserves the right in its sole discretion to disqualify any entrant, including a winner, who does not comply with these Official Rules.
  10. Release: By receipt of any prize, winner(s) agrees to hold APGFCU, its respective officers, directors, employees and assigns, harmless against any and all claims and liability arising out of use of prize.
  11. 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 Maryland, without regard to choice of law rules.
  12. Sponsor: Aberdeen Proving Ground Federal Credit Union, P.O. Box 1176, Aberdeen, MD 21001.