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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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    The OpenSSL Heartbleed vulnerability has been in the news...

    Tuesday, April 15, 2014

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Personal Banking Security Measures for the 21st Century

clientuploads/21st-Century-Securitysquare180.pngMany of us are constantly connected to the online world these days. This means that the potential is there for our computers and personal information to be compromised which greatly increases the risk of ID theft and financial fraud to occur. However, by taking some basic precautions you can significantly reduce the risk of your computing environment being compromised. Following these simple guidelines should help your computing environment become more secure:

Keep your computer and software up-to-date

Keep your computers and network equipment secured with the latest software updates and enable automatic updates whenever possible.  This includes updates to third party applications such as Java and Adobe Products.  

Use hard drive encryption

In the event your machine is lost or stolen, drive encryption can prevent others from accessing the data on your hard drive.  The purpose is to encrypt or scramble your data on your machine so that it can only be read with your encryption key.Many operating systems offer drive encryption.  Microsoft offers Bitlocker and Apple has FileVault. There are also other third party encryption offerings.   

Enable your firewall

Think of the firewall to your computer as the fence around your property.  If there were multiple holes cut in the fence, it wouldn’t be very useful at keeping people out.  Firewalls are typically enabled by default on Windows machines, but double check to make sure it’s on.  Here are instructions to do so if you are using Windows 7. Only allow necessary applications inbound access through your firewall. The same principles apply to your network firewall. 

Configure your screensaver

Set an auto-locking screensaver so your account gets locked out after a few minutes.  This is useful if you forget to lock your machine when are away from it. On Windows machines this can usually be done by pressing the “Windows Key” and the “L” button simultaneously.

Make your passwords stronger

The longer and more complex the password, the better.  At least 16 characters with a combination of upper and lowecase letters, numbers, and special characters is a best practice.

Configure your router

Use the strongest wireless security available (currently WPA2-CCMP) with a long and complex password for your wireless network. Disable WPS on your wireless router for greater security.   

 


Think that some secure banking information
of yours has been compromised?

If you suspect that your personal financial information has been compromised, call MutualBank Customer Support at 800-382-8031.


 

Monday, April 7, 2014

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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