International Credit Union Day Promotion

OFFICIAL PROMOTION RULES

1. No Purchase Necessary
No purchase is necessary. Membership is not required to participate. A purchase will not improve the chances of winning.

2. Eligibility for Promotion
Beginning October 12, 2026, participation is limited to eligible persons who meet the age of legal majority in the state in which they reside and are U.S. residents. By participating in this Promotion, you agree to be bound by these Official Rules.

The Promotion begins October 12, 2026, at 9:00 a.m. ET and ends October 15, 2026, at 5:00 p.m. ET.

Employees of Kinetic Credit Union and their immediate family members residing in a single household are not eligible. All winners will be notified by Kinetic Credit Union. If any prize is unclaimed, an alternate winner may be chosen.

3. Agreement to Rules
By participating, the Entrant ("You") agrees to be fully and unconditionally bound by these Official Rules and represents and warrants that You meet the eligibility requirements. In addition, You agree to accept the decisions of Kinetic Credit Union as final and binding as they relate to this Promotion.

4. How to Enter
To be entered to win, comment on Kinetic Credit Union's International Credit Union Day Facebook post and answer the following question:

What does being part of a strong community mean to you?

Limit one (1) entry per person. No purchase or Kinetic Credit Union membership is required to enter.

5. Prizes
Five (5) winners will each receive one (1) $50 gift card. The approximate retail value ("ARV") of each prize is $50. The total ARV of all prizes is $250.

6. Void Where Prohibited
Void where prohibited by law. All applicable federal, state, and local laws and regulations apply.

7. Publicity
By accepting a prize, a winner consents to the use of his/her name and photograph or likeness for advertising and promotional purposes without additional compensation, except where prohibited by law.

8. Taxes
Prize winners are responsible for all federal, state, local, or other taxes or assessments that may be associated with or imposed upon the winner of any prize in this Promotion.

9. Release of Claims
All winners, members of any winner's household, relatives, and persons who use any prize awarded by Kinetic Credit Union, and such persons' heirs, assigns, executors, and administrators release and exempt Kinetic Credit Union and its directors, officers, employees, and agents from any and all claims, actions, demands, choses in action, and damages which they have now or at any time in the future arising from use of any prize, including personal injury or death.

10. Publication of Winners
The names of the prize winners may be posted at Kinetic Credit Union branches and on other official Kinetic Credit Union information resources, including its website and social media channels.

11. Winner Selection
Five (5) winners will be selected in a random drawing from all eligible entries received by October 15, 2026, at 5:00 p.m. ET.

Winners will be notified by Kinetic Credit Union and are expected to be announced on or about October 16, 2026. The selection of the prize winners is final. Odds of winning depend on the number of eligible entries received.

12. Terms & Conditions
Kinetic Credit Union reserves the right, in its sole discretion, to cancel, terminate, modify, or suspend the Promotion should virus, bug, unauthorized human intervention, fraud, or other cause beyond Kinetic Credit Union's control corrupt or affect the administration, security, fairness, or proper conduct of the Promotion.

In such case, Kinetic Credit Union may select the winners from all eligible entries received prior to and/or after, if appropriate, the action taken.

Kinetic Credit Union reserves the right to disqualify any individual who tampers or attempts to tamper with the entry process or operation of the Promotion or violates these Terms & Conditions.

Kinetic Credit Union has the right to maintain the integrity of the Promotion and to void entries for any reason, including but not limited to multiple entries from the same person in excess of the one (1) entry permitted under these Official Rules or the use of bots, macros, scripts, or other automated or technical means for entering.

Any attempt by an entrant to deliberately damage any website or undermine the legitimate operation of the Promotion may be a violation of criminal and civil laws. Should such an attempt be made, Kinetic Credit Union reserves the right to seek damages to the fullest extent permitted by law.

13. Limitation of Liability
By entering, You agree to release and hold harmless Kinetic Credit Union and its subsidiaries, affiliates, advertising and promotion agencies, partners, representatives, agents, successors, assigns, employees, officers, and directors from any liability, illness, injury, death, loss, litigation, claim, or damage that may occur, directly or indirectly, whether caused by negligence or not, from:

(i) such entrant's participation in the Promotion and/or his/her acceptance, possession, use, or misuse of any prize or any portion thereof;
(ii) technical failures of any kind, including but not limited to the malfunction of any computer, cable, network, hardware, software, or other mechanical equipment;
(iii) the unavailability or inaccessibility of any transmissions, telephone, or Internet service;
(iv) unauthorized human intervention in any part of the entry process or the Promotion; or
(v) electronic or human error in the administration of the Promotion or the processing of entries.

14. Governing Law/Disputes
All issues and questions concerning the construction, validity, interpretation, and enforceability of these Official Rules, or the rights and obligations of entrants and Kinetic Credit Union in connection with the Promotion, shall be governed by and construed in accordance with the laws of the State of Georgia, without giving effect to any choice of law or conflict of law rules or provisions.

As a condition of participating in this Promotion, participant agrees that any and all disputes that cannot be resolved between the parties, and causes of action arising out of or connected with this Promotion, shall be resolved individually, without resort to any form of class action, exclusively before a court located in Georgia having jurisdiction.

Further, in any such dispute, under no circumstances shall participant be permitted to obtain awards for, and hereby waives all rights to, punitive, incidental, or consequential damages, including reasonable attorney's fees, other than participant's actual out-of-pocket expenses. Participant further waives all rights to have damages multiplied or increased.

15. Privacy Policy
Information submitted with an entry is subject to the Privacy Policy stated on the Kinetic Credit Union website. The Privacy Policy is available at Kinetic Credit Union Privacy Policy.

16. Prize Pickup
Prizes must be picked up at Kinetic Credit Union, 1251 13th Street, Columbus, Georgia 31901, Monday through Friday between 9:00 a.m. and 5:00 p.m. ET.

If a winner is unable to pick up or fails to claim the prize within the timeframe established by Kinetic Credit Union, an alternate winner may be randomly selected.

17. Sponsor
The Sponsor of the Promotion is Kinetic Credit Union, 1251 13th Street, Columbus, GA 31901, USA.

18. Social Media Disclaimer
This Promotion is in no way sponsored, endorsed, administered by, or associated with Facebook. By participating in the Promotion, each entrant agrees to release and hold Facebook harmless from any and all liability associated with the Promotion. Facebook promotion guidance specifically calls for both a release and acknowledgment of non-sponsorship.