TREATING CREDIT UNIONS TO SWEET OPPORTUNITIES: DEMYSTIFYING STUDENT LOAN REFINANCING WEBINAR

OFFICIAL RULES

THERE IS NO PURCHASE, PAYMENT, OR OTHER CONSIDERATION OF ANY KIND REQUIRED TO ENTER OR WIN THIS SWEEPSTAKES.

PLEASE READ THESE RULES PRIOR TO ENTERING LENDKEY’S GIFT CARD SWEEPSTAKES (the “Drawing”). BY SUBMITTING AN ENTRY, YOU AGREE THAT YOU WILL BE BOUND BY THESE OFFICIAL RULES AND YOU ACKNOWLEDGE THAT YOU SATISFY ALL ELIGIBILITY REQUIREMENTS AS DESCRIBED HEREIN.

ELIGIBILITY. You must be a legal resident of any of the 50 United States or District of Columbia and be at least 18 years old at the time of entry to be eligible to enter the Drawing. Employees of LendKey Technologies, Inc. (the “Sponsor”), any promotion agency involved in the development of this Drawing, and their immediate family members and persons residing in the same household, are not eligible to enter the Drawing. For the purposes of this Drawing, “immediate family members” are defined as spouses, domestic partners, parents, siblings, children, grandparents, and grandchildren.

DRAWING PERIOD. If you meet the eligibility requirements as set forth above, you may enter the Drawing beginning at 2:00PM (EST) on October 31. The Drawing entry period will end at 3:00PM (EST) on October 31 at which point all electronic surveys must be received by Sponsor (the period of time including and between the Drawing entry beginning and end times is the “Drawing Period”).

HOW TO ENTER. There is one (1) way that you may enter the Drawing: During the Drawing Period, attend our Treating Credit Unions to Sweet Opportunities: Demystifying Student Loan Refinancing webinar. You must attend the webinar to be eligible for the raffle. You may only enter the Drawing one time; any additional entries will not be considered. No other form of Drawing entry will be accepted.

WINNER SELECTION & PRIZES. 1 winner of a $50 Starbucks gift card will be selected in a random drawing that includes all eligible entries. The Drawing will take place during the week of November 4^th. No prize substitutions will be made. The winner will be notified via email at the email address provided when entering the Drawing. If the winner does not respond to the notice email and claim his/her prize within seventy-two (72) hours, said winner will not receive a prize and an alternative winner will be selected in a random drawing. Acceptance of a prize by a winner constitutes the winner’s permission to use the winner’s name in any manner without additional compensation, as permitted by law. Prizes will be shipped approximately two to four weeks of winner verification.

ODDS OF WINNING. Your odds of winning each drawing depend on the number of eligible entries received.

RELEASE OF LIABILITY. You agree to release, and hold the Sponsor, its employees, officers, directors, shareholders, representatives, and advertising and promotion agencies harmless from any and all liability, injuries, losses, and damages to persons or property that result, directly or indirectly, in connection with the Drawing, or from the winner’s acceptance of the prize, including, but not limited to, attorneys’ fees and court costs, even if caused by the Sponsor’s own negligence.

SPONSOR. The Sponsor of the Drawing is LendKey Technologies, Inc., 9999 Carver Road, Suite 400, Cincinnati, OH 45242; Email: marketingsupport@lendkey.com.

MISCELLANEOUS. Each winner is solely responsible for any taxes on any prize, and if applicable, will receive an IRS Form 1099 for the approximate retail value of the prize. If a prize cannot be awarded for any reason, the Sponsor reserves the right to substitute a prize of equal or greater value. The Sponsor is not responsible for incomplete entries or for failure to receive entries due to transmission or technical errors of any kind, including, but not limited to, malfunction of any network, hardware, or software, whether originating with the sender or with the Sponsor, or for any human error, lost or delayed survey submissions, or for any other malfunction or error which leads to the Sponsor not receiving a survey or receiving a survey that is not legible. In the event of a Drawing participant identification dispute, the entry will be deemed submitted by the authorized holder of the email account submitted at the time of Drawing entry, which, for the purposes of these Official Rules is the individual who was assigned the email address by an internet service provider or other organization responsible for assigning email addresses. The Sponsor, in its sole discretion, has the right to disqualify any individual who the Sponsor determines has not followed these Official Rules, has tampered with the entry process or operation of the Drawing, or otherwise deems ineligible. Additionally, the Sponsor reserves the right, to modify, terminate, or suspend the Drawing if it is incapable of being completed as planned, including by reason of infection by computer virus, bugs, tampering, unauthorized intervention, force majeure, or technical failures of any sort. The Sponsor and any additional promotional parties of the Drawing are not responsible for errors in the administration or fulfillment of the Drawing, including without limitations, mechanical, human, printing, distribution, or production errors, and may modify or cancel the Drawing based upon such error at its sole discretion without liability. THE SPONSOR MAKES NO WARRANTIES, REPRESENTATIONS OR GUARANTEES, EXPRESS OR IMPLIED, IN FACT OR IN LAW, AS REGARDS TO THIS DRAWING OR THE MERCHANTABILITY, QUALITY OR FITNESS FOR A PARTICULAR PURPOSE REGARDING ANY PRIZE. WARNING: ANY ATTEMPT BY AN ENTRANT TO DELIBERATELY DAMAGE OR UNDERMINE THE LEGITIMATE OPERATION OF THIS DRAWING MAY BE 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 SUCH ATTEMPT TO THE FULLEST EXTENT PERMITTED BY LAW.

APPLICABLE LAWS AND JURISDICTION. The Drawing is offered only in the United States and is governed by the laws of the State of New York, without regard to any principles of conflict of laws, and all claims must be resolved in the federal or state courts located in New York County, New York.

PRIVACY NOTICE. All information that you provide in connection with the Drawing will be treated in accordance with these Official Rules and the Sponsor’s Privacy Policy, which can be found at https://www.lendkey.com/privacy-policy/.