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There are three ways to enter the sweepstakes:
1. Using your credit unions auto research website (AutoSMART) to request a quote on a new or pre-owned (used) vehicle.
2. Using your credit unions SmartApproval online vehicle application to get pre-approved on your next vehicle loan.
3. Send a postcard with your name, address, phone number, email address and credit union affiliation to:

CU Direct Corporation
Attn: Smart Giveaway
PO Box 51482
Ontario, CA 91761



CUDL “SMART Giveaway” Sweepstakes Official Rules

NO PURCHASE IS NECESSARY TO ENTER OR WIN. A PURCHASE WILL NOT INCREASE YOUR CHANCES OF WINNING. ALL FEDERAL, STATE, LOCAL, AND MUNICIPAL LAWS AND REGULATIONS APPLY. VOID WHERE PROHIBITED.


Participation constitutes entrant's full and unconditional agreement to and acceptance of these Official Rules. The “SMART Giveaway” Sweepstakes (the "Promotion") will begin at 12:00am Eastern Standard Time (EST) on May 1, 2010 and end at 11:59pm EST on April 30, 2011 ("Promotional Period"). The Sweepstakes is sponsored by CU Direct Corporation (CUDL), 2855 E. Guasti Rd., Suite 500, Ontario, CA 91761 (the "Sponsor") who is solely responsible for all aspects of this Sweepstakes.

Eligibility: The Sweepstakes is open to all legal residents of the 50 United States (excluding Florida and New York) and the District of Columbia, 18 years of age or older by May 1, 2010. In addition, participants must have a verifiable open auto loan with the credit union they indicated in sweepstakes entry on or before April 30, 2011. Employees, officers, directors and representatives of CU Direct Corporation, its affiliates, subsidiaries, licensees, service providers, advertising and promotion agencies, those involved in the production, development, implementation or handling of the Sweepstakes, the Sweepstakes Administrator (see below), any agents acting on behalf of the above entities, as well as the immediate family members (parents, children, siblings, spouses) and/or persons living in the same household (whether related or not) of each are not eligible to participate in the Sweepstakes. All federal, state and local laws and regulations apply. Void where prohibited, taxed or otherwise restricted by law.

Three Ways to Enter: Eligible participants can enter the Promotion by: 1.) Visiting a participating CUDL credit union’s website and using the SmartApproval application to apply for a loan. Each completed application will result in one entry into the Sweepstakes. 2.) Visiting www.cudlautosmart.com or a participating CUDL credit union’s website and using the CUDL AutoSMART program to request a quote or information from a CUDL dealer. Each request for quote or information will result in one entry into the Sweepstakes. 3.) Completing a Sweepstakes registration postcard and sending it to: CU Direct Corporation, Attn: SMART Giveaway, PO Box 51482, Ontario, CA 91761. The following information will be requested upon registration: name, complete mailing address, telephone number, & credit union affiliation. All entries must be received by 11:59pm PST on April 30, 2011, regardless of method of entry. LIMIT one entry per person per address (email or physical) per day, regardless of method of entry. Sponsor reserves the right to disqualify any person or email address that submits more than one entry. Incomplete entries, or those containing incorrect information, will be voided. Proof of sending or submission will not be deemed to be proof of receipt by Sponsor. Use of any automated system to submit entries is prohibited and will result in disqualification of all such entries as well as the entrant. By participating in this Sweepstakes, entrants agree to be bound by these Official Rules and the decisions of the Sponsor which is final and binding in all matters relating to the Sweepstakes. All entries become the property of the Sponsor and none will be acknowledged or returned.

Official Rules available at: http://www.cudlautosmart.com/Research/Article.aspx?pageId=652&ArticleId=9

Internet Limitations of Liability: If for any reason, this Sweepstakes is not capable of running as planned due to infection by computer virus, bugs, tampering, unauthorized intervention, fraud, technical failures, or any other causes beyond the control of the Sponsor which corrupts or affects the administration, security, fairness, integrity or proper conduct of the Sweepstakes, the Sponsor reserves the right, at its sole discretion, to disqualify any individual who tampers with the entry process (if applicable), and to cancel, terminate, modify or suspend the Sweepstakes in whole or in part, at any time, without notice and award the prize using all non-suspect eligible entries received as of the termination/suspension date. Sponsor assumes no responsibility for any error, omission, interruption, deletion, defect, delay in operation or transmission, communications line failure, theft or destruction or unauthorized access to, or alteration of, entries. The Sponsor also is not responsible for any problems or technical malfunction of any telephone network or telephone lines, computer on-line systems, servers, or providers, computer equipment, software, failure or delay of any email or entry to be received by Sponsor on account of technical problems, human error or traffic congestion on the Internet or at any website, or any combination thereof. Sponsor is not responsible for any damage to an entrant’s system which is occasioned by participating in this Sweepstakes or by downloading any information necessary to participate in the Sweepstakes. Sponsor also is not responsible for incorrect or inaccurate entry information whether caused by Internet users or by any of the equipment or programming associated with or utilized in the Sweepstakes or by any technical or human error which may occur in the processing of the entries in the Sweepstakes. If any provisions of the Official Rules are determined by a court of competent jurisdiction to be invalid or unenforceable, such determination shall not affect the validity or enforceability of any other provision. CAUTION: ANY ATTEMPT TO DELIBERATELY DAMAGE ANY WEBSITE OR UNDERMINE THE LEGITIMATE OPERATION OF THE SWEEPSTAKES IS A VIOLATION OF CRIMINAL AND CIVIL LAWS AND SHOULD SUCH AN ATTEMPT BE MADE, THE SPONSOR RESERVES THE RIGHT TO SEEK DAMAGES OR OTHER REMEDIES FROM ANY SUCH PERSON(S) RESPONSIBLE FOR THE ATTEMPT TO THE FULLEST EXTENT PERMITTED BY LAW.

Prizes: There will be a total of one (1) Grand Prize winner and twelve (12) monthly first prize winners selected. The Grand Prize winner will receive up to $20,000 toward the pay-off of their existing credit union auto loan at the time of winning. The Approximate Retail Value (“ARV”) of the Grand Prize is $20,000. Each of the twelve monthly First Prize winners will receive a $500 prepaid debit card. All prize winners will be selected at random during the Promotional Period. By accepting the Grand Prize, the prize winner agrees to release the Sponsor and the Released Parties from any and all liability whatsoever for any injuries, losses, or damages of any kind caused by entering the promotion or for damages of any kind caused by any prize or resulting from acceptance, possession, or use/misuse of prize awarded. No substitution or transfer of prize will be permitted. The Sponsor reserves the right at its sole discretion to substitute the prize with another prize of equal or greater value in the event that any aforementioned prize is not available. All decisions by Sponsor as to prize winners and prizes are final. Chances of winning depend on the number of eligible entries received during the Sweepstakes Period.

Prize Conditions: All prize winners are solely responsible for all applicable federal, state and local taxes and/or any other fees/costs associated with the prize or receipt of the prize. The Grand Prize winner will be required to sign and return an Affidavit of Eligibility and Liability / Publicity Release (unless prohibited) within 14 days of written notification or prize winner will be disqualified. In the event of noncompliance with the Official Rules, if a winner cannot be reached at the address/phone number on winner’s entry within 5 days of the first attempt, or if the prize or prize notification is returned as unclaimed or undeliverable, an alternate winner will be selected. First Prize winners will be awarded monthly, and the Grand Prize will not be awarded until after the conclusion of the Promotion. The Grand Prize winner must have a verifiable open credit union auto loan on or before April 30, 2011. Prizes will be only awarded to verified winners. The winner’s entry and acceptance of the prize constitutes permission (except where prohibited) for the Sponsor to use said winner’s name, photograph, likeness, statements, biographical information, voice and address (city and state), in all forms of media, in perpetuity, without notice or further compensation.

Sweepstakes Drawing and Notification: The Grand Prize winner will be selected from among all eligible entries received by any of above entry methods, in a random drawing conducted on or about May 15, 2011 by American Sweepstakes & Promotion Co. (“the Administrator”) an independent judging organization, whose decisions are final and binding in all matters relating to this Sweepstakes. All First Prize winners will be selected on or about the 10th day of every month during the Promotional Period. Odds of winning will depend on the total number of eligible entries received by any entry method. Verification of open auto loan for the Grand Prize winner will be made with credit union prior to notification. In the event winner is not eligible an alternate winner will be selected. The Grand Prize winner will be notified by phone and/or mail. Upon initial notification and verification of potential winner, confirmation will be sent to winner in writing via USPS mail.

Terms & Conditions: By entering the Sweepstakes, entrants agree to release Sponsor and its parent company, subsidiaries, affiliates, retailers, distributors and advertising and promotion agencies, and its and each of their respective directors, officers, employees, shareholders and agents from any and all liability, loss, damage or injuries of any kind sustained in connection with their participation in the Sweepstakes or from their acceptance, receipt, possession and/or use or misuse of the prize, or for any typographical or other error in the printing, offering or announcement of the prize. Entrants further acknowledge that said parties have neither made nor are in any manner responsible or liable for any warranty, representation or guarantee express or implied, in fact or in law, relative to the prize, including, but not limited to, its quality or fitness for a particular purpose. Any person attempting to defraud or in any way tamper with the Sweepstakes mechanics and/or implementation will be prosecuted to the fullest extent of the law. By participating, entrants agree to waive any right to claim ambiguity in the Sweepstakes or these Official Rules. Sponsor reserves the right to disqualify any entrant that Sponsor determines, in its sole discretion, violates these Official Rules.

Winners List Request: To request the name of the winner, please send a self-addressed, stamped business size envelope, by June 30, 2011, to: ASC/CU Direct “SMART Giveaway” Sweepstakes Winners List, 300 State Street, Suite 402, Rochester, NY 14614.

Official Rules by Mail: For your own copy of the Official Rules, send a self-addressed stamped envelope to ASC/CU Direct “SMART Giveaway” Sweepstakes Official Rules, 300 State Street, Suite 402, Rochester, NY 14614, for receipt by April 30, 2011.

Sponsor: CU Direct Corporation, 2855 E. Guasti Rd., Suite 500, Ontario, CA 91761
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