VyStar Credit Union

Think you have what it takes to become a VyStar Fraud Fighter?

Enter to win a $250 Visa® Gift Card!* by taking our short quiz that puts your fraud prevention skills to the test.

At VyStar, it’s important to us that you have the tools and knowledge to recognize and avoid fraud. And nothing defines a superhero more than helping others. Once you have strengthened your skills, be sure to pass along what you know to family and friends. Fraud prevention works best when we all share what we know.

Take our short quiz and become a VyStar Fraud Fighter today! Plus, get entered to win a $250 Visa® Gift Card!

Visit https://www.vystarcu.org/why-join/become-a-member for membership qualifications details.

OFFICIAL RULES

*NO PURCHASE NECESSARY TO ENTER OR WIN. Entrants may enter to win one (1) $250 Visa® e-gift card by completing the “VyStar Fraud Fighter” entry form anytime from November 17, 2025 - November 22, 2025 at 11:59 pm. How to Enter: The Sweepstakes must be entered by completing the “VyStar Fraud Fighter” form on the https://info4.vystarcu.org/fraud-fighter page or by mail at: VyStar Fraud Fighter, Marketing Department, 76 South Laura Street, Jacksonville Florida 32202. Online entries must be received no later than November 22, 2025 at 11:59 pm., to be eligible for the drawing.

The entry must fulfill all sweepstakes requirements, as specified, to be eligible to win a prize. Entries that are not complete or do not adhere to the rules or specifications may be disqualified at the sole discretion of VyStar Credit Union (“the Sponsor”). You may enter only once, and you must fill in the information requested. You may not enter more times than indicated by using multiple email addresses, identities, or devices in an attempt to circumvent the rules. If you use fraudulent methods or otherwise attempt to circumvent the rules, all your entries will be invalid.

Drawings will be held at or around 9 am EDT on November 25, 2026. You do not need to be present to win. The winner of the Sweepstakes will be selected in a random drawing under the supervision of the Sponsor. The winner will be notified via email to the email address they entered the Sweepstakes within twenty-four (24) hours following the winner selection.

Odds: One (1) prize will be awarded from among eligible entries. The odds of winning depend on the number of eligible entries received. Entrants can enter one time during the contest period.

Rights Granted by you: By entering this contest you understand that VyStar Credit Union, anyone acting on behalf of VyStar Credit Union, or its respective licensees, successors and assigns will have the right, where permitted by law, without any further notice, review or consent to print, publish, broadcast, distribute, and use, worldwide in any media now known or hereafter in perpetuity and throughout the World, your entry, including, without limitation, the entry and winner's name, portrait, picture, voice, likeness, image or statements about the Sweepstakes, and biographical information as news, publicity or information and for trade, advertising, public relations and promotional purposes without any further compensation. Additionally, by participating in this drawing, you give VyStar Credit Union permission to contact you by email at the address you provide to promote its products and services. You may opt-out of these email contacts by following the unsubscribe instructions in the email promotion.

This promotion is in no way sponsored, endorsed or administered by, or associated with Facebook, Twitter, Instagram, Snapchat, YouTube, Pinterest, LinkedIn or Google. You understand that you are providing your information to the owner of this sweepstakes and not to Facebook, Twitter, Instagram, Snapchat, YouTube, Pinterest, LinkedIn or Google.

Winners will be responsible for all applicable taxes. Employees of VyStar Credit Union and their immediate families are not eligible to win. Contest limited to legal residents of Florida and Georgia over the age of 18, and is void where prohibited by law.

Liability Release: By participating in the Sweepstakes, entrants (and winners) release, discharge, indemnify and hold harmless Sponsor, its parent, subsidiaries, affiliates, advertising and promotion agencies, and their respective officers, directors, employees, representatives and agents from any and all liability for any injuries, losses or damages of any kind arising from or in connection with the Sweepstakes or acceptance, possession, use or misuse of any prize.

Modification/Cancellation: Sponsor reserves the right, in its sole discretion, to cancel, modify or suspend the Sweepstakes if fraud, technical failures or any other factor beyond Sponsor’s reasonable control impairs the integrity or proper functioning of the Sweepstakes. In such event, Sponsor reserves the right to award the prize at random from among eligible entries received prior to cancellation or termination.

Governing Law & Dispute Resolution: The Sweepstakes is governed by and construed in accordance with the laws of the State of Florida, without regard to its conflict of law principles. As a condition of participating, entrant agrees that any dispute arising out of or relating to the Sweepstakes will be resolved individually, without resort to any form of class action, exclusively by the appropriate court located in Duval County, Florida.

Privacy: Information collected from entrants is subject to VyStar Credit Union’s Privacy Policy, available on its website at https://vystarcu.org/privacy-statement. By entering, entrants consent to Sponsor’s collection, use and disclosure of their personal information as described in the Privacy Policy.

Full Release of Claims: By accepting a prize, the Winner (and his/her representatives) agrees to release and hold the Sponsor and all related parties harmless from any and all liability or injury occurring in connection with the Sweepstakes or acceptance, use or misuse of the prize.

Inquiries: If you have any questions regarding the Sweepstakes or these Official Rules, please contact VyStar Credit Union at: VyStar Marketing Department, 76 South Laura Street, Jacksonville, FL 32202; email: marketing@vystarcu.org; telephone: (904) 777-6000

Winner selection and notification: Winners of the Sweepstakes will be selected in a random drawing under the supervision of the Sponsor. Winners will be notified within five (5) calendar days following the winner selection via the telephone number or email address provided on their sweepstakes entry.

Winners List: To obtain a copy of the winner's name or a copy of these Official Rules, mail your request along with a stamped, self-addressed envelope to: VyStar Marketing Department. 76 South Laura Street, Jacksonville Florida 32202. Requests must be received no later than February 21, 2026.

Gift Card Granny Terms and Conditions: Terms and conditions governing the use and expiration of e-gift cards are available at https://www.giftcardgranny.com/cardholder-agreement.

1 - Special Program Notes: The descriptions herein are summaries only and do not include all terms, conditions and exclusions of the Benefits described. Please refer to the actual Guide to Benefit and/or insurance documents for complete details of coverage and exclusions. Coverage is provided through the company named in the Guide to Benefit or on the certificate of insurance. All Guide to Benefits/insurance documents can be found online at vystarplus.vystarcu.org or through the VyStar+ Benefits Center mobile app. Insurance Products are not insured by the NCUA or any Federal Government Agency; not a deposit of or guaranteed by the credit union or any credit union affiliate.

2 - Should you suffer identity theft, your very own dedicated fraud resolution specialist will help you every step of the way until your identity is restored.