Additional Resources

The Spring Break Sweepstakes begins at midnight ET 11/15/23 and ends at 11:59 pm ET 1/31/24. To enter, eligible entrants must be members of Oakland University Credit Union (OU Credit Union); 18 years or older; currently enrolled at Oakland University; and must make a qualifying purchase-related transaction as the primary cardholder of an OU Credit Union-issued VISA Credit Card during the promotion period. Each eligible transaction will earn the entrant one entry into the sweepstakes. One winner will receive a $1,000 prize deposited in the winner's MSUFCU account after the winner has satisfied all applicable requirements upon the completion of the sweepstakes. Chances of winning are based on the number of entries received. The winner will be randomly selected within 10 business days of after the end of the sweepstakes by OU Credit Union, whose decision is final. Winner's account must be in good standing. Winner will be notified by email or 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 to receive prize. The Credit Union provides no warranty relative to prize. Prize may not be substituted or transferred except at the discretion of the Credit Union. Winner is responsible for applicable taxes, and costs related to use of prize. Employees, Board members, and Supervisory Committee members of the Credit Union and affiliated CUSOs, and any promotion sponsors, are not eligible. No purchase necessary to enter. You may also enter by sending a 3-inch x 5-inch card with sweepstakes name and your name, address, phone number, and email address to: OU Credit Union, ATTN: Marketing - Spring Break Sweepstakes, 3777 West Road., East Lansing, MI 48826. A winners list will be available at msufcu.org/winners. For full promotion details, visit msufcu.org/specialoffers.

2 Rate for OU Credit Union Platinum Plus VISA Credit Card as of 10/16/23 and subject to change. Members will earn 1% cash back on all purchases. Cash back is not earned on tax payments, any unauthorized charges or transactions, cash advances, convenience checks, balance transfers, or fees of any kind. Account must be in good standing to redeem cash back. Returns result in the loss of cash back equal to the amount returned. Negative cash back will be given if returns or credits exceed purchases. Annual Percentage Rate (APR) for personal loans as of 10/16/23 for a term of 18 months and subject to change. Annual Percentage Rate (APR) for personal loans as of 10/16/23 for terms up to 36 months and subject to change.

3 MSUFCU Platinum Plus VISA cardholders will earn 1% cash back on all purchases. Cash back is not earned on tax payments, any unauthorized charges or transactions, cash advances, convenience checks, balance transfers, or fees of any kind. Account must be in good standing to redeem cash back. Returns result in the loss of cash back equal to the amount returned. Negative cash back will be given if returns or credits exceed purchases. Federally insured by the NCUA. Visit OU Credit Union.org/visa for full terms and conditions.

4 You will receive $50 once you spend $1,000 on net purchases within the first 3 months after OU Credit Union Platinum Plus VISA Credit Card approval. Purchases must post to your account within the first 3 months. Once you qualify for this bonus, we will apply it to your Platinum Plus VISA balance within 45 days. Qualifying purchases exclude tax payments, any unauthorized charges or transactions, cash advances, convenience checks, balance transfers, or fees of any kind. Returns or other reversals of purchases conducted within the first 3 months will be excluded. Account must be in good standing to receive $50. Account is not in good standing if closed or suspended. If the account is closed by either you or by the Credit Union for any reason prior to the $50 bonus being credited to your card, the bonus will be considered to have been forfeited. This one-time $50 offer is valid for new, first-time OU Credit Union Platinum Plus VISA Credit cardholders only. This offer may be canceled at any time without notice. Visit OU Credit Union.org/cashback for full terms and conditions.

5 According to creditcards.com as of 10/15/23