Please read the entire rules and regulations, click "I read and accept the requirements of these rules," and then click "continue" at the bottom of the page to complete the online application.

Veridian Credit Union is offering a scholarship encouraging education on the credit union movement. With this scholarship, Veridian hopes to help prepare students for future challenges, both inside and outside the credit union movement.

1. The Incoming Freshman Scholarship is open to any student classified as an incoming freshman enrolled in an accredited undergraduate or vocational program in the 2012-2013 academic year. One $1,000 scholarship and one $500 scholarship will be awarded.
2. The Undergraduate Scholarship is open to any non-freshman student enrolled in an accredited undergraduate or vocational program in the 2012-2013 academic year. One $1,000 scholarship will be awarded.
3. The Graduate Scholarship will award one $1,000 scholarship to a student enrolled in an accredited graduate program in the 2012-2013 academic year. One $1,000 scholarship will be awarded.

1. A. Entrants must have a Veridian Credit Union account established in their own name and be a member in good standing at Veridian Credit Union.
2. Veridian staff and Directors and their immediate relatives are not eligible.

Applications submitted online must complete the official entry form, and supply the resume and essay as Microsoft® Word attachments. In addition, type your name and date after reading the agreement.

All entries must be received by February 3, 2012

Please read carefully. All entries are reviewed prior to judging, and those that do not adhere to the rules are not judged.

1. Entrants will be required to write an essay of approximately 500 words on the following topic:
   
   Unfortunately, many Americans try and avoid money matters altogether and deal with problems as they arise. However, even with some knowledge about managing finances, you can maintain a healthy financial life.

   How are you educating yourself on personal finance and money management issues? Please include how you can utilize your credit union’s financial education expertise.
   
   The essay must be the original work of the entrant.

2. The essay must be typed, double-spaced on white 8 ½ x 11-inch paper, the essay and resume must be submitted as a Microsoft® Word document.
3. Submission of essay identical to that submitted for the Iowa Credit Union League’s Family Involvement Board scholarship is permitted.

1. Entrants are required to submit a business-style resume, computer typed on 8 ½ x 11-inch white paper. The resume should not exceed two pages in length, and, at a minimum, should contain the following information:
• Entrant's full name
• Address
• Phone number
• Educational information
• High school subjects emphasized
• Grade point average from the most recent two semesters or last three quarters
• ACT/SAT scores, if available
• Honors and awards
• Extracurricular activities (school and/or community activities)
• Work experience
• Future educational plans
• Non-traditional entrants also should submit any past college education, major or degree, and overall grade point average
2. Entrants also should submit any past college education, major or degree, and overall grade point average

1. Judging will be conducted by a panel of judges selected from Veridian's Board of Directors and staff.
2. Each judge will award a maximum of 60 points to the essay and a maximum of 40 points to the resume. Judges will base their scores for the essay on originality, clarity, meaningful content, an accurate presentation of facts, spelling, neatness, and grammar/punctuation. The resume will be judged on presentation, school and/or community involvement, and potential of the student to be successful in college. Entries will also be judged on adherence to contest rules.
3. Results will be tabulated by Veridian’s Internal Auditor and will declare the winners. All decisions of the credit union are final. Winners will be announced in July 2012.
4. All scholarship entries become the exclusive property of Veridian Credit Union and will not be returned.

1. Recipients of the Incoming Freshman Scholarship must begin studies during the 2012-2013 academic year. The recipient of the Undergraduate Scholarship must be enrolled as an undergraduate student during the 2012-2013 academic year. The recipient of the Graduate Scholarship must be enrolled as a graduate student during the 2012-2013 academic year.
2. Incoming Freshman recipients must be enrolled as a full-time student at any vocational, trade, 2-year or 4-year college approved for the guaranteed student loan program. Undergraduate and Graduate recipients must be enrolled at an approved college, but are not required to be full-time.
3. Scholarship funds will be forwarded when written verification is received from the college registrar where the student is enrolled. At that time, the winner’s check will be made payable to both the winner and the college and mailed to the winner.
4. Funds are to be used only for tuition, room and board, and book and educational supply expenses.

Veridian Credit Union has the ultimate authority to amend any of the above rules to ensure fairness in the award of the scholarships. Any questions regarding the scholarship should be addressed in writing to the address mentioned above.

I have read and accept the requirements of these rules.