This document outlines the rules for a savings raffle promotion run by several participating credit unions in Michigan from January 1, 2009 to December 31, 2009. Members can earn entries into monthly and grand prize drawings by increasing their balances in a qualifying share certificate account. Monthly prizes include cash awards ranging from $15 to $400. The grand prize is $100,000 cash. Entries are earned at a rate of one per $25 balance increase, up to 10 entries per month. Only Michigan residents over 18 years old are eligible. The account must remain open to win.

3. Credit Union Savings Promotion Raffle
OFFICIAL ACCOUNT AND PRIZE ENTRY RULES
1. How to Enter: The Save to Win Savings Promotion Raffle (“Raffle”) begins on January 1, 2009 and ends
December 31, 2009 (“Raffle Period”).
Automatic Entries: An eligible member of a participating credit union automatically receives Raffle entries
based upon the following:
• Monthly Prize Drawing – One (1) entry monthly for every $25 increase in the monthly balance for the
member in a Qualifying Share Certificate Account at month’s end, with a maximum of ten (10) entries per
month per member.
• Grand Prize Drawing – One (1) entry monthly for every $25 increase in the monthly balance for the
member in a Qualifying Share Certificate Account at each month’s end, with a maximum of ten (10)
entries per month per member. Participating members are limited to a total of 120 entries during the
Raffle Period for the Grand Prize Drawing.
Automatic Entries will be recorded by participating credit unions once the balance is calculated at month’s-
end, quarter-end, and December 31, 2009 processing. Qualifying deposits/balances must be received and
posted by the participating Credit Union by midnight Eastern Time on the day of each month-end and the
December 31st processing date. Automatic Entries are only eligible to win during the drawing period covered.
2. Qualifying Share Certificate Account: Participating credit unions will establish Qualifying Share
Certificate Accounts. Rates and other terms and conditions of a Qualifying Share Certificate Account may vary
at each institution. A participating member is limited to one (1) Qualifying Share Certificate Account at one (1)
participating credit union, with a minimum opening deposit of $25. Participating members may deposit
unlimited funds in a Qualifying Share Certificate Account, with an unlimited number of deposits, provided that
prize entries and eligibility are limited as set forth in these rules.
3. Prize Eligibility: Corporations, limited liability companies, partnerships, associations, sole proprietorships,
business and labor organizations, other public or private entities, and employees of participating credit unions are
not eligible to receive Monthly or Grand Prizes. Officers, directors, vendors, and members of the Planning Committee
of NuUnion Credit Union and members of their immediate families (spouse, parent, child, sibling) and persons
residing in their households are not eligible to receive Monthly or Grand Prize. Participation in the Raffle and eligibility
to win prizes is limited to legal residents of the State of Michigan. All participants must be at least eighteen (18)
years of age, a legal resident of the State of Michigan, and a member, with a traditional share account, in
good standing in the participating credit union. To win a prize in a drawing, a participant’s Qualifying Share
Certificate Account must be open and active at the time of the drawing. A participating member is limited to winning
one Monthly Prize per month. If the Qualifying Share Certificate Account is owned by more than one member, only
the primary member is entitled to win a Monthly Prize. All transactions constituting Raffle entries must occur within
the State of Michigan. Before receiving any prize, a participant must confirm eligibility by verifying identity, age and
Michigan residency, as well as certifying that all transactions constituting Raffle entries occurred within the State of
Michigan. If a member with a Qualifying Share Certificate Account is ineligible for the Raffle, such member will
continue to be the account holder but deposits to the account will not constitute qualifying Raffle entries.
4. Prizes:
MONTHLY PRIZES: All Monthly Prizes are cash prizes and will be deposited in winner’s traditional share account.
Prizes may NOT be deposited in the member’s Qualifying Share Certificate Account. As more specifically provided
below, each participating credit union will award eight (8) prizes each month to winning members of that credit
union, except for the months of March, June, September and December in which each participating credit union
will award two (2) prizes to winning members of that credit union. Drawings for Monthly Prizes will be conducted
within fourteen (14) days of the conclusion of the previous month, for which valid entries will be determined.
Winners will be notified via telephone, email, or standard U.S.P.S. mail. Prizes are non-transferrable.
• TWO (2) WINNING ENTRIES WILL BE RANDOMLY SELECTED TO RECEIVE A $100 CASH PRIZE
• THREE (3) WINNING ENTRIES WILL BE RANDOMLY SELECTED TO RECEIVE A $50 CASH PRIZE
• TWO (2) WINNING ENTRIES WILL BE RANDOMLY SELECTED TO RECEIVE A $25 CASH PRIZE
• ONE (1) WINNING ENTRY WILL BE RANDOMLY SELECTED TO RECEIVE A $15 CASH PRIZE
• FOR THE MONTHS OF MARCH, JUNE, SEPTEMBER AND DECEMBER ONLY: ONE (1) WINNING ENTRY
WILL BE RANDOMLY SELECTED TO RECEIVE A $400 CASH PRIZE AND ONE (1) WINNING ENTRY WILL
BE RANDOMLY SELECTED TO RECEIVE A $15 CASH PRIZE
GRAND PRIZE: One Grand Prize Drawing will be held on or before January 15, 2010. One Grand Prize winner
will be selected from among all participants in the Raffle. Accordingly, there will only be one Grand Prize winner
and there will not be a Grand Prize winner selected from the members of each participating credit union. The
winner will be notified via telephone, email, or standard U.S.P.S. mail. The Grand Prize is non-transferrable.
• ONE (1) WINNING ENTRY WILL BE RANDOMLY SELECTED TO RECEIVE A GRAND PRIZE OF $100,000,
TO BE DEPOSITED INTO THE WINNING MEMBER’S TRADITIONAL SHARE ACCOUNT.
5. Odds: Actual odds of winning are based upon the number of eligible entries received. Each eligible entry
shall have a chance of winning Monthly Prizes that is equal to that of other entries within the same
participating credit union. Each eligible entry shall have a chance of winning the Grand Prize that is equal to
that of all other entries in the Raffle.
6. Decisions: By entering into the Raffle, entrants agree to abide by and be bound by these Official Rules,
and to accept the decisions of the participating credit unions as final. Entrants also agree to hold each
participating credit union and each third party contributing funds and/or services to the Raffle (collectively
and hereinafter referred to as the “Parties”), and each of their officers, directors, employees, members and
representatives, and agents harmless from any liability arising from participation, or the acceptance of a prize.
The Parties and each of their officers, directors, employees, members, and representatives, and agents are
not responsible for any negligence, claims, liability, injury, property loss, or other damages of entrants and/or
winners arising from, or in connection with, acceptance of prizes awarded or participation in this Raffle. The
participating credit unions reserve the right to disqualify entrants who fail to follow these Official Rules or
who make any misrepresentations relative to the Raffle and prize redemption.
7. Publicity: Each winner agrees to permit the Parties to use his/her name and likeness in promotional and
other materials, without additional compensation or permission, except where prohibited by law. Each winner
also agrees that his/her name and prize amount will be given to other entrants upon request.
8. Compliance with 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 Parties in connection with the
Raffle, shall be governed by, and construed in accordance with, the substantive laws of the State of Michigan,
without regard to its choice of law provisions. This raffle is void where and to the extent prohibited by law.
9. Taxes: Winner is solely responsible for all applicable federal, state and local taxes and any expenses
associated with the prize, unless otherwise indicated.
10. Miscellaneous: The Parties may agree to substitute prizes of equivalent value, amend the rules or
discontinue the Raffle at any time. The Parties disclaim any responsibility to notify participants of any aspect
related to the conduct of the Raffle. Written copies of these rules are available during normal business hours
at any participating credit union location. A copy of the authoritative and updated rules are available at:
www.michigansavingsraffle.org. In the event of any conflict between the rules posted on the
www.michigansavingsraffle.org website and any other version of the rules, the version posted on the
website will be considered the definitive and controlling version.
11. Sponsors: The following credit unions are the credit unions participating in, and the sponsors of, the Raffle:
Central Macomb Community Credit Union, Christian Financial Credit Union, Communicating Arts Credit Union,
E&A Credit Union, ELGA Credit Union, Frankenmuth Credit Union, NuUnion Credit Union and Option 1 Credit
Union. A current and authoritative list of credit unions participating in and acting as sponsors of the Raffle is
available at www.michigansavingsraffle.org. In addition, the Raffle has received financial and other support
from D2D Fund, Inc., a nonprofit organization headquartered at 1127 Harrison Ave., Roxbury, MA 02119.
Raffle open only to Michigan residents. Void where prohibited by law. Official rules available at:
www.michigansavingsraffle.org
savings barely
scratching
the surface?

4. What Is save to WIn?
It’s a special savings account at your credit union that helps you
build your savings while also giving you chances to win a grand
prize of $100,000, plus monthly cash prizes! Each $25 deposit
into this savings account helps you build your savings and gets
you another chance to win – up to 10 chances every month. Plus,
all the money you deposit into the Save to Win account is still
yours, plus interest. It’s a win-win situation.
hoW Do I open an account?
Simply request a 12-month Save to Win share certificate and make
an opening deposit of $25. Your initial deposit is your first step to
savings and it is your first entry into this month’s cash drawing and
the grand prize drawing. You can deposit any amount you want each
month, but you can only get 10 prize entries per month. As you
continue to make additional deposits into the account, you will
accumulate more entries in the monthly and grand prize drawings.
The Save to Win account must be active at the time of the drawings,
and you must be a resident of Michigan to win.
hoW can I earn chances to WIn?
Every $25 deposited into your account, up to $250 per month, is
another chance to win. You may make unlimited deposits of any
amount into the account each month, but prize entries are limited
to 10 per month.
What are the prIzes?
The real prize is the savings account you will build with regular
deposits each month. But to sweeten the pot, there is one annual
grand prize of $100,000, to be awarded in January 2010. The
winner will be notified by phone and mail. All Save to Win
accountholders at participating credit unions in Michigan will be
eligible for the grand prize. The grand prize will be deposited into
the winner’s traditional share account.
Plus, monthly cash prizes totaling $5,000 will be awarded at each
credit union. Monthly prizes vary in amount from $15 to $400.
Winners will be notified by phone and mail during the following
month. Monthly prizes will be awarded as cash.
What Is a certIfIcate?
A certificate is a certificate of deposit issued by a credit union. You
will earn a specified dividend if the certificate is held for the full
term; in the case of Save to Win, the term is 12 months.
What’s the DIvIDenD rate?
Please ask a Member Service Representative for the dividend on
the Save to Win Certificate.
can I WIthDraW Money froM
My certIfIcate?
Yes, you are allowed to take one withdrawal from your Save to Win
account in the 12-month period. A $25 withdrawal fee will apply.
hoW are My prIze entrIes
calculateD?
Each month, we’ll look at your current savings balance as
compared to the previous month’s balance. You’ll receive one entry
for every $25 increase. For example, if your Save to Win balance
increases by $50, you will receive two prize entries for the month.
Those prize entries will also be added into the grand
prize drawing, giving you additional chances to
take home the $100,000!
Why shoulD I open a
save to WIn account?
Because it’s a win-win situation! Sure, you
might win some of the monthly prizes and
maybe even the grand prize, but with
regular deposits into your Save
to Win account all year, you
are guaranteed to have
more money saved
than when you
started.

5. 1. How to Enter: The Save to Win Savings Promotion Raffle (“Raffle”) begins on January
1, 2009 and ends December 31, 2009 (“Raffle Period”).
Automatic Entries: An eligible member of a participating credit union automatically
receives Raffle entries based upon the following:
• Monthly Prize Drawing – One (1) entry monthly for every $25 increase in the monthly
balance for the member in a Qualifying Share Certificate Account at month’s end, with
a maximum of ten (10) entries per month per member.
• Grand Prize Drawing – One (1) entry monthly for every $25 increase in the monthly
balance for the member in a Qualifying Share Certificate Account at each month’s end,
with a maximum of ten (10) entries per month per member. Participating members
are limited to a total of 120 entries during the Raffle Period for the Grand Prize Drawing.
Automatic Entries will be recorded by participating credit unions once the balance is
calculated at month’s-end, quarter-end, and December 31, 2009 processing. Qualifying
deposits/balances must be received and posted by the participating Credit Union by
midnight Eastern Time on the day of each month-end and the December 31st processing
date. Automatic Entries are only eligible to win during the drawing period covered.
2. Qualifying Share Certificate Account: Participating credit unions will establish
Qualifying Share Certificate Accounts. Rates and other terms and conditions of a
Qualifying Share Certificate Account may vary at each institution. A participating member
is limited to one (1) Qualifying Share Certificate Account at one (1) participating credit
union, with a minimum opening deposit of $25. Participating members may deposit
unlimited funds in a Qualifying Share Certificate Account, with an unlimited number of
deposits, provided that prize entries and eligibility are limited as set forth in these rules.
3. Prize Eligibility: Corporations, limited liability companies, partnerships, associations,
sole proprietorships, business and labor organizations, other public or private entities,
and employees of participating credit unions are not eligible to receive Monthly or Grand
Prizes. Officers, directors, vendors, and members of the Planning Committee of NuUnion
Credit Union and members of their immediate families (spouse, parent, child, sibling)
and persons residing in their households are not eligible to receive Monthly or Grand
Prize. Participation in the Raffle and eligibility to win prizes is limited to legal residents
of the State of Michigan. All participants must be at least eighteen (18) years of age,
a legal resident of the State of Michigan, and a member, with a traditional share
account, in good standing in the participating credit union. To win a prize in a
drawing, a participant’s Qualifying Share Certificate Account must be open and active at
the time of the drawing. A participating member is limited to winning one Monthly Prize
per month. If the Qualifying Share Certificate Account is owned by more than one
member, only the primary member is entitled to win a Monthly Prize. All transactions
constituting Raffle entries must occur within the State of Michigan. Before receiving any
prize, a participant must confirm eligibility by verifying identity, age and Michigan
residency, as well as certifying that all transactions constituting Raffle entries occurred
within the State of Michigan. If a member with a Qualifying Share Certificate Account is
ineligible for the Raffle, such member will continue to be the account holder but deposits
to the account will not constitute qualifying Raffle entries.
4. Prizes:
MONTHLY PRIZES: All Monthly Prizes are cash prizes and will be deposited in winner’s
traditional share account. Prizes may NOT be deposited in the member’s Qualifying Share
Certificate Account. As more specifically provided below, each participating credit union
will award eight (8) prizes each month to winning members of that credit union, except
for the months of March, June, September and December in which each participating
credit union will award two (2) prizes to winning members of that credit union. Drawings
for Monthly Prizes will be conducted within fourteen (14) days of the conclusion of the
previous month, for which valid entries will be determined. Winners will be notified via
telephone, email, or standard U.S.P.S. mail. Prizes are non-transferrable.
• TWO (2) WINNING ENTRIES WILL BE RANDOMLY SELECTED TO RECEIVE A $100
CASH PRIZE
• THREE (3) WINNING ENTRIES WILL BE RANDOMLY SELECTED TO RECEIVE A $50
CASH PRIZE
• TWO (2) WINNING ENTRIES WILL BE RANDOMLY SELECTED TO RECEIVE A $25
CASH PRIZE
• ONE (1) WINNING ENTRY WILL BE RANDOMLY SELECTED TO RECEIVE A $15 CASH
PRIZE
• FOR THE MONTHS OF MARCH, JUNE, SEPTEMBER AND DECEMBER ONLY: ONE (1)
WINNING ENTRY WILL BE RANDOMLY SELECTED TO RECEIVE A $400 CASH PRIZE
AND ONE (1) WINNING ENTRY WILL BE RANDOMLY SELECTED TO RECEIVE A $15
CASH PRIZE
GRAND PRIZE: One Grand Prize Drawing will be held on or before January 15, 2010.
One Grand Prize winner will be selected from among all participants in the Raffle.
Accordingly, there will only be one Grand Prize winner and there will not be a Grand Prize
winner selected from the members of each participating credit union. The winner will be
notified via telephone, email, or standard U.S.P.S. mail. The Grand Prize is non-
transferrable.
• ONE (1) WINNING ENTRY WILL BE RANDOMLY SELECTED TO RECEIVE A GRAND
PRIZE OF $100,000, TO BE DEPOSITED INTO THE WINNING MEMBER’S
TRADITIONAL SHARE ACCOUNT.
5. Odds: Actual odds of winning are based upon the number of eligible entries received.
Each eligible entry shall have a chance of winning Monthly Prizes that is equal to that of
other entries within the same participating credit union. Each eligible entry shall have a
chance of winning the Grand Prize that is equal to that of all other entries in the Raffle.
6. Decisions: By entering into the Raffle, entrants agree to abide by and be bound by
these Official Rules, and to accept the decisions of the participating credit unions as final.
Entrants also agree to hold each participating credit union and each third party
contributing funds and/or services to the Raffle (collectively and hereinafter referred to
as the “Parties”), and each of their officers, directors, employees, members and
representatives, and agents harmless from any liability arising from participation, or the
acceptance of a prize. The Parties and each of their officers, directors, employees,
members, and representatives, and agents are not responsible for any negligence, claims,
liability, injury, property loss, or other damages of entrants and/or winners arising from,
or in connection with, acceptance of prizes awarded or participation in this Raffle. The
participating credit unions reserve the right to disqualify entrants who fail to follow these
Official Rules or who make any misrepresentations relative to the Raffle and prize
redemption.
7. Publicity: Each winner agrees to permit the Parties to use his/her name and likeness
in promotional and other materials, without additional compensation or permission,
except where prohibited by law. Each winner also agrees that his/her name and prize
amount will be given to other entrants upon request.
8. Compliance with 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 Parties in connection with the Raffle, shall be governed by, and construed
in accordance with, the substantive laws of the State of Michigan, without regard to its
choice of law provisions. This raffle is void where and to the extent prohibited by law.
9. Taxes: Winner is solely responsible for all applicable federal, state and local taxes and
any expenses associated with the prize, unless otherwise indicated.
10. Miscellaneous: The Parties may agree to substitute prizes of equivalent value, amend
the rules or discontinue the Raffle at any time. The Parties disclaim any responsibility to
notify participants of any aspect related to the conduct of the Raffle. Written copies of
these rules are available during normal business hours at any participating credit union
location. A copy of the authoritative and updated rules are available at:
www.michigansavingsraffle.org. In the event of any conflict between the rules posted
on the www.michigansavingsraffle.org website and any other version of the rules, the
version posted on the website will be considered the definitive and controlling version.
11. Sponsors: The following credit unions are the credit unions participating in, and the
sponsors of, the Raffle: Central Macomb Community Credit Union, Christian Financial
Credit Union, Communicating Arts Credit Union, E&A Credit Union, ELGA Credit Union,
Frankenmuth Credit Union, NuUnion Credit Union and Option 1 Credit Union. A current
and authoritative list of credit unions participating in and acting as sponsors of the Raffle
is available at www.michigansavingsraffle.org. In addition, the Raffle has received
financial and other support from D2D Fund, Inc., a nonprofit organization headquartered
at 1127 Harrison Ave., Roxbury, MA 02119.
Raffle open only to Michigan residents. Void where prohibited by law. Official rules
available at: www.michigansavingsraffle.org

6. savings barely
scratching
the surface?

7. Save to Win is a special savings account at your
credit union that helps you build savings while
also giving you chances to win a grand prize of
$100,000, plus monthly cash prizes! Every $25
deposit into this savings account helps build your
savings and gets you another chance to win – up
to 10 chances every month. Plus, all the money
you deposit into the Save to Win account is still
yours, plus interest!
The real prize is the savings you will build with
regular deposits each month. But to sweeten the
pot, there is one annual grand prize of $100,000
and monthly cash prizes totaling $5,000 at each
credit union.
Save to Win runs January through December
2009. Members can open a Save to Win account
at any time, but the sooner you open the
account, the more time you have to earn entries
for the grand prize!
To participate, you must be at least 18 years of
age, a legal resident of the State of Michigan and
a member in good standing with a traditional
share account at a participating credit union.
Sure, you might win some of the
monthly prizes and maybe even the
grand prize, but, with regular
deposits into your Save to Win
account all year, you are guaranteed
to have more money saved than
when you started.
Contact your credit union
today to learn more
about Save to Win.
Raffle open only to Michigan
residents. Void where prohibited
by law. Official rules available at:
www.michigansavingsraffle.org