Loan Incentive:
1 Offer valid 4/1/26-4/30/26. Receive a $100 bonus when you open a Signature Loan or Home Improvement Loan of $14,000 or more, or an auto, RV, boat, motorsports, or motorcycle loan of $40,000 or more. Credit cards and home equity lines of credit are not eligible for this promotion. Minimum term for Signature Loans is 18 months.


Offer valid for existing OU Credit Union members and new members who obtain a loan directly through OU Credit Union. New members originating loans through indirect lending channels are not eligible. Limit one $100 loan bonus per member. Bonus will be deposited into the member's Spartan Saver account within 45 business days of loan origination. Loans must be approved and funded to qualify. Member must be in good standing. Members who complete a qualifying April incentive activity will receive one entry into the Celebrate 400 sweepstakes drawing for a Polaris Ranger 500. For full promotion details and official rules, visit https://www.msufcu.org/celebrate400. Offers cannot be combined with other promotions. Offer not valid for business or youth accounts. Bonus may be taxable and may be reported on IRS Form 1099-INT or 1099-MISC. All loans are subject to credit approval.

2 A 0.40% Annual Percentage Rate (APR) discount is available on 48-month auto loans for new and used vehicles. Discount is applied to the approved interest rate and is subject to credit approval, underwriting criteria, and collateral conditions. Your actual APR may vary based on creditworthiness, loan amount, term, and vehicle model year. The monthly payment per $1,000 borrowed at 5.59% APR for a term of 48 months would require 48 monthly payments of $23.30 based on 30 days to first payment.

Offer subject to change or cancellation at any time.

3 Celebrate 400 Sweepstakes

Please read these rules carefully. Within these rules, the words "we," "us," and "our" refer to Oakland University Credit Union (Credit Union)]. The words "you" and "your" refer to any eligible participant in this promotion. By participating in this promotion, you agree to these official rules and to the results of the promotion, which will be final and binding in all respects.

PROMOTION PERIOD
The Celebrate 400 Promotion begins at 12:00 a.m. ET April 1, 2026 and ends at 11:59 p.m ET July 31, 2026.

ELIGIBILITY
No purchase is necessary, nor will a purchase improve an individual's chance of winning, and there is a limit of one entry per individual. Employees, Board Members, and Supervisory Committee Members of the Credit Union and affiliated CUSOs, as well as promotion sponsors, are not eligible.

WINNER SELECTION/ODDS
Winner(s) will be drawn within 10 business days of July31, 2026 by the legal department of the Credit Union, whose decision is final. Chances of winning are based on the number of entries received. For example, if 1,000 entries are submitted and there is only one prize, then the chance of winning is 1 in 1,000. Winner(s) will be notified by email, phone and has 5 business days to respond. Failure to respond within 5 business days will result in the selection of a new winner. Winner must sign a release and consent form. If we do not receive the completed release and consent form within 10 calendar days of the date the winner was first called or emailed about their prize, a new winner will be selected. Please see our contact information below.

HOW TO ENTER
To enter, complete up to four qualifying $100 incentive activities during the promotion period. Alternatively, you may send a 3-inch by 5-inch card with the sweepstakes name and your name, address, phone number, and email address to: Oakland University Credit Union, ATTN: Marketing Department, Celebrate 400 Sweepstakes, 3777 West Rd., East Lansing, MI 48826-9946.

We are not responsible or liable for:
• Lost, late, illegible, mutilated, or misdirected entries,
• Entries not received in time for the selection of the winner,
• Technical hardware or software needed to enter,
• Lost or unavailable network connections that impair or prevent entry, or
• Failed, incomplete, garbled, or delayed computer transmissions that may limit a user's ability to participate in this promotion.

PRIZES AND ACTUAL RETAIL VALUES
The prize is a 2026 Polaris Ranger 500 which is valued at $9,999 plus taxes and fees. Winner is responsible for applicable taxes and costs related to use of prize. Prize may not be substituted or transferred except at our discretion. We are not responsible for the winner's receipt or use of the prize, and have neither made nor are in any manner responsible or liable for any warranty, representation, or guarantee, expressed or implied, in fact or in law, relative to the prize including, but not limited to, its quality or availability. Liability for any applicable federal, state, or other taxes, or any other costs, will be the sole responsibility of the winner and no prize will be awarded without receipt of the proper legal paperwork as determined by us. Winner must pick up prize at OU Credit Union headquarters, 3777 West Rd., East Lansing, MI 48826-9946.

GENERAL RELEASE FORM
Each winner must sign a release form agreeing:
• To all terms and conditions related to this promotion.
• To allow us, unless prohibited by law, to use his/her name, city and state of residence, photograph, and/or likeness for advertising trade and/or any other purposes in any media now or hereafter known without further compensation, permission, or notification. All images are our exclusive property.
• That aforementioned parties and their respective officers, directors, shareholders, employees, representatives, and agents shall have no liability and will be held harmless by entrant for any claim, action, liability, loss, injury, or damage to entrant or any other person or entity. This includes personal injury or death to entrant or any other person or damage to personal or real property due to the acceptance, possession, use, or misuse of a prize and any travel or travel-related activity thereto or participation in this promotion.

GENERAL CONDITIONS
We reserve the right to modify, suspend, and terminate this promotion for any reason, including but not limited to viruses, bugs, nonauthorized human intervention, or other causes beyond our control, that corrupts or impairs the administration, security, fairness, or intended procedures of the promotion. In case of suspension or termination, a notice will be posted, and, at our discretion, winners will be selected from eligible nonsuspect entries received before the event was suspended or terminated. We reserve the right to disqualify any entrant if it suspects that their actions affect the integrity of the promotion or if the entrant fails to remain in good standing with us.
We maintain the right to change or modify these rules at any time without notice. We are not responsible for any typographical or other error in the printing of the offer, administration of the promotion, or in the announcement of any and all prizes.

Any legal challenge to this promotion must be filed within 6 months of the end of the promotion. Such legal challenge will be waived if not filed within such period. Participation in the promotion constitutes a participant's agreement to the 6-month limitation period.
This promotion is not sponsored by or associated with any other organization, including any social media platform where the sweepstakes is promoted, and you release such other organizations from liability arising out of or relating to this promotion.