Win 1 million rewards points with a VyStar credit card!

Visit www.vystarcu.org/why-join/become-a-member for membership qualifications details. $5 deposit in a primary savings account required for membership. All loans subject to approval and actual rate may vary and is based on an evaluation of the individual’s credit history. Programs, rates, and terms are subject to change at any time without notice. Certain restrictions apply. Balance transfers and cash advances do not earn rewards points or cash back.

1 - To qualify for the $150 statement credit a total of at least $1,500 in net purchases (purchases minus returns/credits) must post to your account within 60 days from the date your account is opened. The credit will appear on your credit card statement on or around day 90 of account opening. All loans subject
to approval and actual rate may vary and is based on an evaluation of the individual’s credit history. Programs, rates, and terms are subject to change at any time without notice. Certain restrictions apply. Balance transfers and cash advances do not earn rewards points or cash back. Business and Savings
Secured VISA cards are not eligible for this promotion.

As of 05/20/2025, the VyStar Visa Signature Rewards credit card rate has a variable rate of 16.75% APR, it will vary with the market based on the U.S. Prime Rate. For current information, call us at 904-777-6000.

*OFFICIAL RULES

NO PURCHASE NECESSARY TO ENTER OR WIN. NON-PURCHASE ENTRIES AND PURCHASE ENTRIES HAVE AN EQUAL CHANCE OF WINNING.

ELIGIBILITY: VyStar Smart Spending Giveaway Sweepstakes 2025 (“Sweepstakes”) is open only to legal residents of Florida and Georgia who are eighteen (18) years of age or older as of June 9, 2025. Commercial card eligibility is subject to employer policies regarding sweepstakes participation. Void where prohibited. Employees of VyStar Credit Union and its subsidiaries, affiliates, shareholders, officers, directors, agents, representatives, and employees (collectively, “VyStar Credit Union Entities” or “Sponsor”) are not eligible to enter or win. Sweepstakes is subject to all applicable federal, state, and local laws. The Sweepstakes is governed by Florida law.

SWEEPSTAKES TIMING/DESCRIPTION: Begins at 12:00:00 AM Eastern Time (“ET”) on June 9, 2025 and ends at 11:59:59 PM ET on August 8, 2025 (“Promotion Period”). There will be one (1) Grand Prize winner (“Winner”) selected in a random drawing at the end of the Promotion Period from among all eligible entries received. The Grand Prize winner will be randomly selected on or about August 20, 2025 from all eligible entries received.

TO ENTER: There are two (2) ways to enter:

AUTOMATIC ENTRY: An eligible VyStar Credit Union Visa credit card holder will automatically receive one (1) Sweepstakes entry for each eligible purchase made with the card holder’s VyStar Credit Union Visa credit card during the Promotion Period. Only purchases or payments made (a) with a Visa credit card that is issued by VyStar Credit Union and is in a good standing under the customer agreement for that account and (b) processed during the Promotion Period, are eligible for automatic entry. In the event of a dispute as to who submitted a particular cardholder entry, such entry will be deemed to be submitted by the primary person in whose name was issued the card used to enter the Sweepstakes. Account adjustment transactions/returns, cash advances, balance transfers, Interlink®-processed transactions, purchases authorized by entering a PIN (personal identification number), payment of late fees or over-limit fees, and Visa health and benefit cards are excluded from automatic entry. Other restrictions and exclusions may apply. VyStar Credit Union Visa Credit Cards or card numbers that are stolen, fraudulent, tampered with, or otherwise altered are not eligible for automatic entry. Automatic entries must be made by August 8, 2025 in order to be eligible for the random drawing for the Grand Prize.

TO ENTER BY MAIL WITHOUT PURCHASE OR OBLIGATION : Hand-print your complete name, street address, city, state, ZIP code, and telephone numbers (including area code), and valid email address, on a 3" x 5" card and send it in a #10 stamped envelope to: Smart Spending Giveaway 2025, Marketing, 76 South Laura Street, Jacksonville, Florida 32202. Mailed entries must be postmarked between June 9, 2025 and August 8, 2025, and received by August 20, 2025, in order to be included in the random drawing for the Grand Prize. Limited to one mail entry per person per promotion period. Entries that are mechanically reproduced, copied, illegible, incomplete, or inaccurate and entries by any means which subvert the entry process are void. Entries become the property of the Sponsor and will not be acknowledged or returned. Incomplete entries or entries not complying with these Official Rules are subject to disqualification, at the Sponsor’s sole discretion. Proof of mailing does not constitute proof of delivery. Sponsor is not responsible for lost, late, damaged, misdirected or postage-due mailed entries. Limit one entry per write-in entrant.

DETERMINATION OF WINNERS/NOTIFICATION OF WINNERS: One (1) potential Grand Prize winner will be selected on or about August 20, 2025 from among all eligible automatic and mailed entries received. Random drawings will be conducted under the supervision of the Sponsor. Sponsor’s decisions are final and binding on matters relating to this Sweepstakes. Potential Grand winner will be notified by email and/or telephone within five (5) days of random drawing date. Potential Grand winner will be required to verify eligibility, confirm mailing addresses and closest branch for purposes of prize fulfillment, within forty-eight (48) hours of receipt of request. Non-compliance within this time frame and/or with these Official Rules, Sponsor’s inability to contact potential winners within a reasonable time period, or prize or prize notification returned as undeliverable will result in such potential winner’s disqualification and, at Sponsor’s discretion, the prize may be awarded to a potential alternate winner.

ODDS: The actual odds of winning a prize depend upon the total number of eligible entries received.

PRIZES & APPROXIMATE RETAIL VALUE (“ARV”):

One (1) Grand Prize: One million (1,000,000) VyStar uChoose Rewards Points if member is a VyStar Visa Signature Rewards credit cardholder (ARV of Grand Prize is: $10,000) or $10,000 if winner is a holder of another VyStar credit card or submitted a mail-in entry. Members will receive the points added to their VyStar uChoose account or funds transferred into their savings account. Non-members will receive the funds via ACH credited to their account or through a printed check

CONDITIONS OF PARTICIPATION: By entering, entrants agree to be bound by these Official Rules, including all eligibility requirements and the decisions of the Sponsor, which are final and binding. By accepting a prize, winners consent to the use of their names, images, likenesses, photographs, voices, and biographical material for advertising, publicity, and promotional purposes by Sponsor, in any and all media now or hereafter devised, including but not limited to, any online announcements, worldwide in perpetuity, without additional compensation, notification, or permission, except where prohibited by law. Entrants release and hold harmless Sponsor and Visa (collectively, “Releasees”) from any claims, actions, injury, loss, or damage of any kind, including but not limited to, personal injury or death, resulting, directly or indirectly, in whole or in part, from participating in this Sweepstakes or from the acceptance, possession, or use or misuse of the prize (including any activity related thereto). This limitation of liability is a comprehensive limitation of liability that applies to all damages of any kind, including (without limitation) compensatory, direct, indirect, or consequential damages; loss of data, income or profit; loss of damage to property; and claims of third parties. Entrants agree that Releasees have not made nor are in any manner responsible or liable for any warranty, representation, or guarantee, statutory, express or implied (including but not limited to, the implied warranties of merchantability, title, and fitness for a particular purpose), in fact or in law, relative to the Sweepstakes.

GENERAL: In the event a potential winner entered via automatic entry, the winner’s applicable Visa Credit Card account must have been in good standing, in accordance with the terms described in the VyStar Credit Union credit card agreement as applicable, at time of entry and through time of prize fulfillment. Sponsor will collect information from the entrants solely for the purpose of the prize drawing and to notify a winner. Sponsor will not share this information with any third party except as necessary for the administration of the Sweepstakes. Releasees are not responsible for lost, late, illegible, misdirected, inaccurate, incomplete, undelivered, damaged, delayed, garbled, postage-due, or stolen mail, entries, and transactions; for transactions that are lost, misdirected, or fail to enter into the processing system, or are processed, reported, or transmitted late or incorrectly; or for any other errors or problems of any kind, whether typographical, printing, mechanical, human, electronic, or otherwise, relating to or in connection with the Sweepstakes, including, without limitation, any error or problem that may occur in connection with the administration of the Sweepstakes, the processing of entries, the announcement of the prizes. Entry materials that have been tampered with or altered are void. Sponsor reserves the right, in its sole discretion, to cancel or suspend part or all of this Sweepstakes at any time without notice and for any reason including but not limited to, if in the Sponsor’s opinion there is any suspected or actual evidence of electronic or non-electronic tampering with any portion of the Sweepstakes, if virus, bugs, non-authorized human intervention or other causes corrupt or impair the administration, security, fairness, or integrity and proper play of the Sweepstakes; a public health crisis; or any government regulations, orders, guidelines or Protocols affect the Sweepstakes. In the event of cancellation, Sponsor may terminate the Sweepstakes entirely or void any entries it suspects do not comply with the Official Rules and, at its discretion, if terminated, award prizes in a random drawing from among all non-suspect, eligible entries received up to the date of cancellation. Caution: Any attempt by an entrant or any other individual to damage or undermine the legitimate operation of the Sweepstakes may be in violation of criminal and civil laws and, should such an attempt be made, the Sponsor reserves the right to seek any and all remedies available from any such person to the fullest extent permitted by law, including criminal prosecution. Sponsor’s failure to enforce any term of these Official Rules shall not constitute a waiver of that or any other provision. Sponsor reserves the right to disqualify entrants who violate these Official Rules or interfere with this Sweepstakes in any manner.

TAXES: Winner is solely responsible for reporting and paying any and all applicable taxes.

DISPUTES: Except where prohibited, all issues/questions concerning the construction, validity, interpretation, and enforceability of these Official Rules, or the rights and obligations of the entrant and Sponsor in connection with the Sweepstakes, shall be governed by, and construed in accordance with, the laws of the State of Florida, without giving effect to any choice of law or conflict of law rules (whether of the State of Florida or any other jurisdiction) that would cause the application of the laws of any jurisdiction other than the State of Florida. Jurisdiction and venue shall be solely within the State of Florida.

FORCE MAJEURE: In the event an insufficient number of eligible entries are received to award the prizes and/or Sponsor is prevented from awarding the prizes or continuing with this Sweepstakes as contemplated herein by any event beyond its control, including but not limited to fire, flood, natural or man-made epidemic of health or other means, earthquake, explosion, labor dispute, lockout, or strike, act of God or public enemy, satellite or equipment failure, riot or civil disturbance, terrorist threat or activity, war (declared or undeclared) or any federal, state/provincial or local government law, order, regulation, guidelines, Protocols, public health crisis or pandemic (e.g., Coronavirus), order of any court or jurisdiction, or other cause not reasonably within Sponsor’s control, regardless of whether any such cause was foreseeable (each a “Force Majeure” event or occurrence), then Sponsor shall have the right to modify, suspend, or terminate this Sweepstakes. If this Sweepstakes is terminated before the end of the Promotion Period, Sponsor will (if possible) select the potential winner in a random drawing from all eligible, non-suspect entries received as of the date of the event giving rise to the termination. Inclusion in such drawing shall be each entrant’s sole and exclusive remedy under such circumstances.

ARBITRATION: Except where prohibited by law, as a condition of participating in this Sweepstakes, participant agrees that (i) any and all disputes and causes of action arising out of or connected with this Sweepstakes shall be resolved individually, without resort to any form of class action, and exclusively by final and binding arbitration under the rules of the American Arbitration Association and held at the AAA regional office nearest the participant; (ii) the Federal Arbitration Act shall govern the interpretation, enforcement and all proceedings at such arbitration; and (iii) judgment upon such arbitration award may be entered in any court having jurisdiction.

WINNERS’ NAMES: For the names of winners, available after August 20, 2025, mail a self-addressed, stamped envelope by November 30, 2025, to: Smart Spending Giveaway Winners, Marketing, 76 South Laura Street, Jacksonville, Florida 32202.