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You automatically receive one entry into the 10,000 epfcu SMART REWARD Point Giveaway drawing when you use your epfcu SMART REWARDS Mastercard® from October 1, 2020 through December 31, 2020 spending at least $1,000.

Official Rules

NO PURCHASE, PAYMENT OR OBLIGATION NECESSARY TO ENTER OR WIN. NON-PURCHASE ENTRIES AND PURCHASE ENTRIES HAVE EQUAL CHANCE OF WINNING. SWEEPSTAKES SUBJECT TO ALL FEDERAL, STATE AND LOCAL LAWS AND REGULATIONS. The Sweepstakes is open only to 1) a legal U.S. resident age 18 years of age or older at time of entry, and 2) an EP Federal Credit Union Member in good standing with an active epfcu SMART REWARDS Mastercard. Void where prohibited or otherwise restricted by law.

Sweepstakes Period:

10,000 epfcu SMART REWARD Point Giveaway ("Sweepstakes”) begins at 12:00:00 a.m. Eastern Time ("ET") on October 1, 2020 and ends at 11:59:59 p.m. ET on December 31, 2020 ("Sweepstakes Period”).

How to enter:

NO ACTUAL PURCHASE OR TRANSACTION IS REQUIRED to enter the Sweepstakes. Winner need not be present to win but must prove eligibility to receive prize. The odds of winning are dependent on the number of entries. There are two (2) ways to enter the Sweepstakes during the Sweepstakes Period. 1) Automatic Entry; and 2) U.S. Mail.

Automatic Entry:

An eligible epfcu SMART REWARDS Mastercard cardholder who uses his/her epfcu SMART REWARDS Mastercard ("Eligible Card”) spending at least $1,000 or more is automatically receives (1) Sweepstakes entry for the Sweepstakes Period. Cash advances and balance transfers are not eligible. Refund/Return transactions are also excluded from eligible entries. Eligible Cards or card numbers that have been stolen, are fraudulent, tampered with or otherwise altered are not eligible for automatic entry. Entry will be deemed submitted by the primary person in whose name the Eligible Card used to enter the Sweepstakes was issued.

To be deemed eligible, transactions must have an account posting date that is prior to the end of each Sweepstakes Period. Qualifying transactions made on Saturdays, Sundays or Holidays will count as entries when they post to the attached epfcu SMART REWARDS Mastercard account by 11:59:59 pm at the end of the stated sweepstakes period.

To enter without purchase or obligation by U.S. Mail:

You may enter the Sweepstakes without purchase via U.S. Mail by hand-printing your complete name, postal mailing address, city, state, zip code and primary phone number (including area code) along with your email address on a piece of paper, and mail your entry to: EP Federal Credit Union, ATTN: Marketing Department – 10,000 Point Giveaway, 13th & C Streets, SW Room 215A, Washington, DC 20228. Mail-in entries must be received by close of business on December 31, 2020. No mechanical reproductions permitted. Entries become the property of EPFCU and will not be acknowledged or returned. Illegible, incomplete or inaccurate entry materials will be disqualified. Entrants are responsible for all third party-imposed costs and fees, including the cost of postage. Proof of mailing does not constitute proof of delivery. Participants agree not to hold EPFCU, their partners, their employees and/or their affiliates responsible for lost, late, incomplete, misdirected, damaged, postage-due or illegible entry materials.

By entering, you agree that Sponsor may contact you with future promotional offers. Sponsor may elect to send email marketing communications to participants in connection with the Sweepstakes. You can, at any time & free of charge, choose not to receive any of those email communications by clicking on the unsubscribe link within the email. Opting out of receiving email communications from Sponsor will not preclude a member from winning.


NO PURCHASE NECESSARY TO ENTER OR WIN. A purchase or transaction will not increase your chances of winning. Sweepstakes subject to all federal, state and local laws and regulations. Sweepstakes is open only to 1) a legal U.S. resident age 18 years of age or older at time of entry, and 2) a EP Federal Credit Union Member in good standing with an epfcu SMART REWARDS Mastercard. Void where prohibited or otherwise restricted by law. All federal, state and local laws and regulations apply. Taxes, if any, are each winner’s sole responsibility. No transfer or assignment of prize is permitted. By participating in this promotion, entrants accept and agree to be bound by these Official Rules and the decision of EPFCU, which shall be final, binding and conclusive in all matters. Employees of EP Federal Credit Union as well as the immediate family (spouse, parents, siblings and children) and household members of each such employee are not eligible.


Random drawing will be conducted at the end of the promotion from among all eligible automatic and mail-in entries received.


Actual odds of winning any one (1) prize will depend on the number of eligible entries received for any sweepstakes period.


One (1) 10,000 epfcu SMART REWARDS point prize will be awarded at the end of the sweepstakes period. The Prizewinner will receive a deposit of 10,000 epfcu SMART REWARDS points into their epfcu SMART REWARDS point account. Winner of the drawing will be contacted by EPFCU Personnel.

Prize Restrictions:

Prize is not transferable. No substitution of prize permitted except at the sole discretion of EPFCU. Federal, state, and local taxes on prize and any expenses relating to the acceptance of a prize are the responsibility of the winner. The winner has five (5) business days to accept the prize, or the prize maybe forfeited, or another winner may be chosen.

Awarding of Prizes:

Within four (4) weeks of winner verification, the winner will receive the 10,000 epfcu SMART REWARDS points by deposit into their epfcu SMART REWARDS point account. Selected winner will be notified via email by EPFCU personnel within 30 days of contest closing. Winner may need to provide any and all necessary tax reporting information to claim the prize. Winner who entered by mail may be required to complete an IRS Form W-9 and an affidavit of eligibility and liability release. Winner may receive an IRS Form 1099 for the value of the prize. Maximum value of all prizes is $150 USD. Points are not the same as cash. In the event of noncompliance with these Official Rules, or if prize or prize notification is unclaimed or returned as undeliverable, the prize will be forfeited and may, at EPFCU’s discretion, be awarded to an alternate winner.

Additional Terms:

By participating, entrant agrees to: (a) the Official Rules and the decisions of EPFCU, which shall be final and binding in all respects; and (b) release, discharge, and hold harmless EPFCU from any liability, claims, or damages arising out of their participation in the sweepstakes and the acceptance, use, misuse, or possession of any prize. By accepting a prize, the winner agrees to, where legal, EPFCU’s use of his/her name and/or likeness for advertising and publicity purposes in any and all media now or hereafter known throughout the world in perpetuity without compensation, permission, or notification and, upon request, will provide consent to such use in writing. As a condition of entering the sweepstakes, participant agrees that: (a) under no circumstances will participant be permitted to obtain awards for, and participant hereby waives all rights to claim, punitive, incidental, consequential, or any other damages, other than for actual out-of-pocket expenses; (b) all causes of action arising out of or connected with this sweepstakes, including any prize awarded, shall be resolved individually, without resort to (a) any form of class action; and (c) any and all claims, judgments, and awards shall be limited to actual out-of-pocket costs incurred, but in no event attorneys’ fees. EPFCU reserves the right to modify prize award procedures at its discretion.

Limitation of Liability:

EPFCU is not responsible for computer, printing, telephonic, typographical, human, or other errors, relating to or in connection with the sweepstakes, including, without limitation, errors which may occur in the administration of the sweepstakes, the announcement of the prizes, the processing of the entries, or in any sweepstakes-related materials; for stolen, lost, late, inaccurate, misdirected, undelivered, damaged, incomplete, illegible, or postage-due mail or entries; or for transactions that are lost, misdirected, or fail to enter in the processing system; or are processed, reported, or transmitted late or incorrectly; or are lost for any reason, including computer, telephonic, paper-transfer, or human error, or electronic, computer or telephonic malfunction, damage, error, omission, interruption, defect, delay in operation or transmission, or any combination thereof. EPFCU reserves the right, at its sole discretion to disqualify any individual it finds to be tampering with the entry process or the operation of the sweepstakes; to be acting in violation of the Official Rules; or to be acting in an unsportsmanlike or disruptive manner, or with intent to annoy, abuse, threaten, or harass any other person. Any use of robotic, automatic, programmed, or similar entry methods will void all such entries by such methods. EPFCU is not responsible for any incorrect or inaccurate information, whether caused by the web-site users or by any of the equipment or programming associated with or utilized in the sweepstakes; operator errors; any error, omission, interruption, deletion, defect, delay in operation, or transmission, telephone or communications-line failure, theft or destruction; or any injury or damage to participants or to any other person’s computer(s) related to or resulting from participating in this sweepstakes. If, for any reason, this sweepstakes is not capable of running as planned, or infection by computer viruses, bugs, or tampering, unauthorized intervention, fraud, actions of entrant, technical failures, or any other causes which corrupt or affect the administration, security, fairness, integrity, or proper conduct of the sweepstakes, EPFCU reserves the right at its sole discretion to disqualify any entry or entrant and/or to cancel, terminate, modify, or suspend the sweepstakes and at its sole discretion award a prize from among all eligible non-suspect entries validly received prior to the action requiring such modification. By entering, all entrants agree that this sweepstakes is governed by laws of the United States with venue in Washington, DC, for the resolution of all claims and disputes (excluding any claims against or dispute involving parties other than EPFCU relating to any prize awarded in the sweepstakes). EPFCU reserves the right to substitute actual prize with similar item of equal or greater value based upon item availability.

Winner’s List:

For the winner’s list, send a self-addressed, stamped envelope to EP Federal Credit Union, ATTN: Marketing Department – 10,000 Point Winner, 13th & C Streets, SW Room 215A, Washington, DC 20228. Requests for winner must be received within 30 days of the promotion end date. Allow four (4) weeks for the delivery of the winner’s list. The winner’s list will be available after the winner has been verified.


EP Federal Credit Union, 13th & C Streets, SW Room 215A, Washington, DC 20228