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1. NO PURCHASE, ACCOUNT OPENING, LOAN, PAYMENT, OR OBLIGATION NECESSARY TO ENTER OR WIN. OPENING AN ACCOUNT OR OBTAINING A LOAN WITH HERITAGE CREDIT UNION WILL NOT INCREASE YOUR CHANCES OF WINNING.  

2. ELIGIBILITY: By completing the Heritage Credit Union Local Love online form in its entirety, you will automatically be entered to win. Entry forms must be submitted no later than 11:59 p.m. CT on December 15, 2015. The Credit Union is not responsible for lost, late, misdelivered or incomplete submissions. Employees of Heritage Credit Union, its affiliates, subsidiaries, and advertising or promotional agencies are not eligible to enter the promotion. 

3. GIVEAWAY TIMING/DESCRIPTION: The Giveaway begins at 12:00 a.m. on November 16, 2015, and ends at 11:59 p.m. CST on December 15, 2015 ("Promotional Period").  

4. ODDS: Estimated odds of winning the prize depend upon the total number of eligible entries received. Only one entry per person is allowed, unless the person shares the contest on Facebook or Twitter as stated on the contest confirmation page.  

5. PRIZE DESCRIPTION: Winner will receive a (1) $100 Visa® Gift Card. Prize winner may be required to provide their taxpayer identification number to Heritage, which may be reported to the Internal Revenue Service. Heritage Credit Union will donate $100 to the food pantry located nearest to the home address of the prize winner if the prize winner lives in a county in which a Heritage branch is located; if the prize winner does not have a home address in a county in which a Heritage branch is located, the $100 donation will be directed to the local food pantry in the city of the Heritage branch closest to the prize winner's home address. Heritage reserves the right to direct the $100 donation to a food pantry of its choice.

6. DETERMINATION OF WINNERS: A winner will be selected in a random drawing on or about December 20, 2015, from among all eligible entries received. The potential winner will be notified by telephone or email by December 31, 2015. If winner does not respond, is found to be ineligible or fails to return any required releases by January 10, 2016, the prize will be forfeited and another winner will be drawn. All decisions are in the sole and absolute discretion of Heritage. Prize is non-transferable, non-assignable and may not be substituted.  

7. CONDITIONS OF PARTICIPATION: EACH CONTESTANT AND THEIR HEIRS, PERSONAL REPRESENTATIVES, AND NEXT OF KIN RELEASE, WAIVE, DISCHARGE, AND AGREE TO HOLD HARMLESS HERITAGE CREDIT UNION AND ITS DIRECTORS, OFFICERS, EMPLOYEES, AND AGENTS, AS WELL AS THE OWNERS AND LESSORS AND LESSEES OF ANY PREMISES IN WHICH CONTEST ACTIVITIES ARE HELD, FROM AND AGAINST ANY AND ALL CLAIMS, LOSSES, LIABILITIES AND DAMAGES ARISING OUT OF OR RELATED TO ANY LOSS, INJURY, OR DAMAGES, WHETHER CAUSED BY THE NEGLIGENCE OF THE RELEASED PARTIES OR OTHERWISE, THAT MAY BE CAUSED OR CLAIMED TO BE CAUSED AS A RESULT OF PARTICIPATION IN THE CONTEST OR THE RECEIPT OF A PRIZE.  

8. GENERAL: By entering and participating in the Giveaway, each participant grants Heritage the right to use their name and image for promotional purposes related to the Giveaway. Participants may be required to execute an affidavit of eligibility and a publicity release. Participants will not be compensated or reimbursed for video production, credit union publicity, or public appearances. All participants accept and agree to be bound by these Contest Rules. Any violation or non-compliance with these rules will result in disqualification.  

9. WINNER INFORMATION: To request the name of the prize winner, send a stamped, self-addressed envelope along with a written request to: Heritage Credit Union, 1212 Huxley Street, Madison, WI 53704. 

10. SPONSOR & ADMINISTRATOR: The Sponsor of the Giveaway is Heritage Credit Union, 1212 Huxley Street, Madison, WI 53704. Void where prohibited by law.  

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