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Experience Survey Official Rules

MutualBank Experience Survey Sweepstakes Official Rules

NO PURCHASE IS NECESSARY TO ENTER OR WIN THIS SWEEPSTAKES.

SPONSORSHIP:
MutualBank, a state chartered financial institution with a principal office located at 110 E. Charles ST, Muncie, IN 47305, is sponsoring the Experience Survey Sweepstakes (“Sweepstakes”).

ELIGIBILITY:
OPEN ONLY TO LEGAL RESIDENTS OF THE STATE OF INDIANA, 18 YEARS OF AGE OR OLDER. VOID OUTSIDE OF INDIANA AND WHERE PROHIBITED. The Sweepstakes is void in Puerto Rico, U.S. territories and possessions, outside of the United States, and where restricted or prohibited by law.  MutualBank and holding company (MutualFirst Financial, Inc.) employees, officials, and members of their immediate families and households are not eligible to participate in the Sweep­stakes.

HOW TO ENTER:
The Sweepstakes begins on January 1, 2013 and ends on December 31, 2013. Drawings will be held each quarter for entries submitted during the quarter (“Sweepstakes Period”). There are two ways to enter: (1) by completing a survey at www.bankwithmutual.com/experiencesurvey by December 31, 2013, or (2) by sending in a 3x5” postcard to MutualBank. Alternatively, individuals can enter the Sweepstakes by sending in a 3x5” postcard to, “MutualBank-‘Experience Survey’ Sweepstakes,” C/O Marketing 110 E. Charles ST, Muncie, IN 47305, requesting to be entered into the Sweepstakes. The postcard must contain the name, address and contact information of the person requesting to participate in the Sweepstakes. Such entries must be received during the Sweepstakes Period. Proof of mailing does not constitute proof of delivery. MutualBank is not responsible for lost, late, incomplete, misdirected, damaged, postage due or illegible entries or mail. Once submitted, entries become the sole property of MutualBank and will not be acknowledged or returned. No copies or mechanical reproductions of postcards will be accepted.

DRAWING:
A random drawing will be held each quarter for the eligible entries and postcards received during the Entry Period on April 15, 2013 for eligible entries received between January 1 – March 31, 2013, July 15, 2013 for eligible entries received between April 1 – June 30, 2013, October 15, 2013 for eligible entries received between July 1st – September 30, 2013 and January 15, 2014 for eligible entries received between October 1 – December 31, 2013. The winner will be selected from all eligible entries received during the Entry Periods described below, by a MutualBank representative. In the event of uncertainty as to the identity of an entrant, the entrant will be deemed to be the primary accountholder of the applicable MutualBank account, or in the event there is more than one holder of such account, then the primary person named on the account shall be deemed to be the entrant, or, if neither is applicable or reasonably ascertainable, the entry may be voided altogether. Odds of winning a prize depends on the number of entries received. The winners will be notified by phone, email or mail. If the winner cannot be reached within thirty (30) days from the first notification attempt, then such person shall be disqualified and an alternate winner will be selected.

PRIZE:
One (1) winner will be awarded a $250 deposit into their MutualBank checking or savings account each quarter. In the event the winner does not have a MutualBank checking or savings account, they will be awarded a $250 Visa gift card. MutualBank will report all prize winnings to the appropriate state and federal agencies, as required by applicable law. Winners are responsible for all tax consequences (if any) of the prizes. Winners acknowledge this responsibility by entering the sweepstakes.

PRIZE CONDITIONS:
In the event a MutualBank representative determines, in its sole discretion based on his/her interpretation of these Of­ficial Rules, that an entrant is found to be ineligible, or if he/she does not comply with these Official Rules, then the potential winner will be disqualified and an alternate winner will be selected through a random drawing from the remaining entries. If the prize or prize notification is returned as undeliver­able, this will result in disqualification, and an alternate winner will be selected. Except where prohibited by law, the winner’s entry and acceptance of the prize constitutes permission for MutualBank to use said winner’s name in all forms of media, in perpetuity, without further compensation. MutualBank will verify eligibility of drawing winner in each region.  Once eligibility has been verified, the winners will be notified.  Return of any prize notification as undeliverable will result in disqualification and an alternate winner selected.

SWEEPSTAKES CONDITIONS:
This Sweepstakes is subject to all applicable federal, state and local laws. By participating, entrants and their participating entities agree to be bound by these Official Rules and the decisions of MutualBank and waive any right to claim ambiguity in the Sweepstakes or these Official Rules. MutualBank is not responsible for any loss, which may occur in connection with the Sweepstakes. MutualBank is not responsible for any incorrect or inaccurate information, whether caused by tampering, hacking, or by any of the equipment or programming associated with the Sweepstakes. Prizes cannot be substituted, assigned, or transferred by winners. MutualBank reserves the right to disqualify entrants who fail to follow these Official Rules and regulations or who make any misrepresentations relative to the Sweepstakes and redemption of a prize.

NO LIABILITY:
By entering, winner agrees to comply with all Official Rules, as stated and agrees to release, discharge, indemnify, defend and hold harmless MutualBank and each of its respective officers, directors, employees, representatives and agents from and against any claims made by winners, entrants, or any other third parties, related in any way to the operation of this Sweepstakes as well as any other claims, damages or liability, injuries, damages or losses to any person (including death) or property of any kind resulting in whole or in part, directly or indirectly, from acceptance, possession, misuse or use of any prize or participation in any Sweepstakes related activity or participation in this Sweepstakes.

WINNER’S LIST:
To receive a complete list of the prize winner or an additional copy of these Official Rules, send a self addressed, stamped business size (#10) envelope to: “MutualBank-‘Experience Survey’ Sweepstakes,” ,” C/O Marketing 110 E. Charles ST, Muncie, IN 47305.

CHOICE OF LAW:
All issues and questions concerning the construction, validity, interpretation, and enforceability of these Official Rules, or the rights and obligations of entrant and MutualBank in connection with the Sweepstakes, shall be governed by, and construed in accordance with, the substantive laws of the State of Indiana, USA, without regard to choice of law rules.

Mutual News
  • Mutualfirst Financial, Inc. Announces Agreement With Major Stockholder 

    Muncie, Indiana - February 27, 2015 – MutualFirst...

    Monday, March 2, 2015

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Mutual Blog

Personal Social Media Account Security

For many of us, social media has become a part of our everyday lives and helps us conveniently keep tabs on the people and topics we care most about.

Recently however, there has been an increase of social media account take overs by cybercriminals. As stated in the media, one contributing factor in some of the social media account takeovers has been the use of weak passwords.


Tips for creating a stronger password:


  • Passwords should typically:
    • be at least 8 characters in length
    • contain at least 1 number
    • contain at least 1 special character (!@#$$%)
    • contain both upper and lower case characters.
  • Do not use your name, date of birth, maiden name, mother’s maiden name, address, or other easily guessable words for passwords. 
  • Another way to create a strong password is to use a series of words that do not relate to each other. For example, JumpingFastRelaxStop!#.

 


Social media additional security options:


Another way to help avoid social media account takeover is to use the additional security options available. Two-factor authentication adds an extra layer of security that drastically decreases your chances of account takeover. Two-factor authentication is essentially the using of two separate components to verify your identity, the combination of something you HAVE with something you KNOW. A good example of two-factor authentication you most likely are already used to is withdrawing cash from an ATM, for example. Having both your debit card AND knowing a pin number is required to complete the withdrawal and protect your identity.

A popular and convenient two-factor authentication method is using a combination of both an online password and a text message verification sent to your phone. Enabling this type of authentication typically follows this process:

  1. Enter your password into Facebook or another website
  2. Immediately receive a text on your phone with a temporary pass key
  3. Enter the passkey received back on the site/app and you’re logged in

This may seem like overkill, but enabling this two-factor authentication will drastically decrease the chances of your social accounts being hacked. And actually, the process of setting up and using this authentication is pretty simple and convenient.

 


How to enable two-factor authentication:


Many popular social networks like Facebook, Twitter, LinkedIN, and others already support two-factor authentication. To learn more about how to do so on the most popular sites on the web, be sure to check out this article:

http://socialcustomer.com/2014/04/how-to-enable-two-factor-authentication-on-50-top-websites-including-facebook-twitter-and-others.html

Wednesday, April 22, 2015

READ BLOG ENTRY

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Experience Survey Official Rules

MutualBank Experience Survey Sweepstakes Official Rules

NO PURCHASE IS NECESSARY TO ENTER OR WIN THIS SWEEPSTAKES.

SPONSORSHIP:
MutualBank, a state chartered financial institution with a principal office located at 110 E. Charles ST, Muncie, IN 47305, is sponsoring the Experience Survey Sweepstakes (“Sweepstakes”).

ELIGIBILITY:
OPEN ONLY TO LEGAL RESIDENTS OF THE STATE OF INDIANA, 18 YEARS OF AGE OR OLDER. VOID OUTSIDE OF INDIANA AND WHERE PROHIBITED. The Sweepstakes is void in Puerto Rico, U.S. territories and possessions, outside of the United States, and where restricted or prohibited by law.  MutualBank and holding company (MutualFirst Financial, Inc.) employees, officials, and members of their immediate families and households are not eligible to participate in the Sweep­stakes.

HOW TO ENTER:
The Sweepstakes begins on January 1, 2013 and ends on December 31, 2013. Drawings will be held each quarter for entries submitted during the quarter (“Sweepstakes Period”). There are two ways to enter: (1) by completing a survey at www.bankwithmutual.com/experiencesurvey by December 31, 2013, or (2) by sending in a 3x5” postcard to MutualBank. Alternatively, individuals can enter the Sweepstakes by sending in a 3x5” postcard to, “MutualBank-‘Experience Survey’ Sweepstakes,” C/O Marketing 110 E. Charles ST, Muncie, IN 47305, requesting to be entered into the Sweepstakes. The postcard must contain the name, address and contact information of the person requesting to participate in the Sweepstakes. Such entries must be received during the Sweepstakes Period. Proof of mailing does not constitute proof of delivery. MutualBank is not responsible for lost, late, incomplete, misdirected, damaged, postage due or illegible entries or mail. Once submitted, entries become the sole property of MutualBank and will not be acknowledged or returned. No copies or mechanical reproductions of postcards will be accepted.

DRAWING:
A random drawing will be held each quarter for the eligible entries and postcards received during the Entry Period on April 15, 2013 for eligible entries received between January 1 – March 31, 2013, July 15, 2013 for eligible entries received between April 1 – June 30, 2013, October 15, 2013 for eligible entries received between July 1st – September 30, 2013 and January 15, 2014 for eligible entries received between October 1 – December 31, 2013. The winner will be selected from all eligible entries received during the Entry Periods described below, by a MutualBank representative. In the event of uncertainty as to the identity of an entrant, the entrant will be deemed to be the primary accountholder of the applicable MutualBank account, or in the event there is more than one holder of such account, then the primary person named on the account shall be deemed to be the entrant, or, if neither is applicable or reasonably ascertainable, the entry may be voided altogether. Odds of winning a prize depends on the number of entries received. The winners will be notified by phone, email or mail. If the winner cannot be reached within thirty (30) days from the first notification attempt, then such person shall be disqualified and an alternate winner will be selected.

PRIZE:
One (1) winner will be awarded a $250 deposit into their MutualBank checking or savings account each quarter. In the event the winner does not have a MutualBank checking or savings account, they will be awarded a $250 Visa gift card. MutualBank will report all prize winnings to the appropriate state and federal agencies, as required by applicable law. Winners are responsible for all tax consequences (if any) of the prizes. Winners acknowledge this responsibility by entering the sweepstakes.

PRIZE CONDITIONS:
In the event a MutualBank representative determines, in its sole discretion based on his/her interpretation of these Of­ficial Rules, that an entrant is found to be ineligible, or if he/she does not comply with these Official Rules, then the potential winner will be disqualified and an alternate winner will be selected through a random drawing from the remaining entries. If the prize or prize notification is returned as undeliver­able, this will result in disqualification, and an alternate winner will be selected. Except where prohibited by law, the winner’s entry and acceptance of the prize constitutes permission for MutualBank to use said winner’s name in all forms of media, in perpetuity, without further compensation. MutualBank will verify eligibility of drawing winner in each region.  Once eligibility has been verified, the winners will be notified.  Return of any prize notification as undeliverable will result in disqualification and an alternate winner selected.

SWEEPSTAKES CONDITIONS:
This Sweepstakes is subject to all applicable federal, state and local laws. By participating, entrants and their participating entities agree to be bound by these Official Rules and the decisions of MutualBank and waive any right to claim ambiguity in the Sweepstakes or these Official Rules. MutualBank is not responsible for any loss, which may occur in connection with the Sweepstakes. MutualBank is not responsible for any incorrect or inaccurate information, whether caused by tampering, hacking, or by any of the equipment or programming associated with the Sweepstakes. Prizes cannot be substituted, assigned, or transferred by winners. MutualBank reserves the right to disqualify entrants who fail to follow these Official Rules and regulations or who make any misrepresentations relative to the Sweepstakes and redemption of a prize.

NO LIABILITY:
By entering, winner agrees to comply with all Official Rules, as stated and agrees to release, discharge, indemnify, defend and hold harmless MutualBank and each of its respective officers, directors, employees, representatives and agents from and against any claims made by winners, entrants, or any other third parties, related in any way to the operation of this Sweepstakes as well as any other claims, damages or liability, injuries, damages or losses to any person (including death) or property of any kind resulting in whole or in part, directly or indirectly, from acceptance, possession, misuse or use of any prize or participation in any Sweepstakes related activity or participation in this Sweepstakes.

WINNER’S LIST:
To receive a complete list of the prize winner or an additional copy of these Official Rules, send a self addressed, stamped business size (#10) envelope to: “MutualBank-‘Experience Survey’ Sweepstakes,” ,” C/O Marketing 110 E. Charles ST, Muncie, IN 47305.

CHOICE OF LAW:
All issues and questions concerning the construction, validity, interpretation, and enforceability of these Official Rules, or the rights and obligations of entrant and MutualBank in connection with the Sweepstakes, shall be governed by, and construed in accordance with, the substantive laws of the State of Indiana, USA, without regard to choice of law rules.

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