STCU DIGITAL "WHO DO YOU LOVE?" PROMOTION

OFFICIAL RULES

1. NO PURCHASE NECESSARY TO ENTER OR TO WIN.

2. Eligibility. This Digital "Who Do You Love?" Promotion (the "Promotion") is open to all

participants who allow access to the "Who Do You Love?" application on STCU's website and

abide by these Official Rules. To be eligible to win the Charitable Contribution, a qualified

charity (each a "Charity") must:

Nomination period #1:

• be recognized a 501(c)(3) public charity as of November 8, 2018, and according to Guidestar database (www.guidestar.org) aligns with this nomination’s theme “military or veteran non-profit,” including but not limited to the following cause area/NTEE code(s):

W30 Military/Veterans’ Organizations

J22 Employment Training

F30 Mental Health Treatment [includes NTEE F31-F33]

S21 Community Coalitions

T70 Fundraising Organizations that Cross Categories (includes Community

Funds/Trusts and Federated Giving Programs)

• be available for selection through the STCU "Who Do You Love?" application as of November 8, 2018;

• be a 501(c)(3) public charity and not be subject to any U.S. sanctions;

• be listed in IRS Publication 78;

• not be designated by the IRS as a private foundation;

• not be a recipient of the previous (2017 or 2018) Digital Who Do You Love? Promotions, or a previous (2017 or 2018) Greater Spokane Incorporated Who Do You Love? Promotion;

• be located in STCU's charter area: Washington State and North Idaho; and

• benefit the local community.

A Charity's failure to maintain its 501(c)(3) status may, in STCU's sole discretion, disqualify the

Charity from the Promotion or from receiving any or all of the Charitable Contribution.

A Charity may be deemed ineligible if, in STCU’s (“Sponsor”) sole discretion, the Charity:

• is a politically-affiliated non-profit;

• is, or has been, under any investigation for fraud, financial misconduct or other criminal activity;

• participates in the Promotion, or otherwise conducts itself, in an unsportsmanlike or inappropriate manner;

• discriminates against, disparages or denigrates any race, age, gender, disability, sexual orientation, ethnicity, religion, political orientation, national origin, citizenship, ancestry, marital status, veteran status or mental, or physical disability or condition;

• disparages, denigrates (in writing or otherwise), or acts by means of adversarial or confrontational tactics to impact a product, service, person, industry, or organization including, but not limited to, STCU or participants in the Promotion; or

• violates these Official Rules.

A Project is ineligible, if in the Sponsor's sole discretion, the Project:

• promotes or suggests, directly or indirectly, the use of firearms/weapons, any illegal drugs, prostitution or pornography, violence, or the underage use of alcohol;

• suggests or encourages, directly or indirectly, the taking up of arms against any person, government or entity or otherwise challenge or seek to overthrow any government;

• attempts to expand membership in a religious organization or encourages conversion to a religious denomination;

• supports or promotes the pro-life or pro-choice movements;

• spends a significant amount of time advancing a particular political party or candidate or supporting lobbying for any particular party, candidate and/or cause, or expanding or encouraging a membership or a particular political party, candidate or lobbying effort; or

• violates these Official Rules.

A SPECIFIC PROJECT OF AN OTHERWISE INELIGIBLE CHARITY MAY BE

ELIGIBLE TO BE NOMINATED AND WIN SO LONG AS THAT SPECIFIC PROJECT

SATISFIES THE CONDITIONS SET FORTH IN THESE OFFICIAL RULES.

STCU may, in its sole discretion, disqualify any nomination. STCU retains the sole right and

discretion to determine eligibility and reserves the right to disqualify any organization at any

time for any reason whatsoever, including the organization’s failure to maintain its 501(c)(3)

status.

Nomination period #2:

• be recognized a 501(c)(3) public charity as of January 10, 2019, and according to

Guidestar database (www.guidestar.org) aligns with this nomination’s theme

“seeking a healthier life,” including but not limited to the following cause

area/NTEE code(s):

A60 Performing Arts [includes NTEE A61-A6E]

C42 Garden Club, Horticultural Programs

C50 Environmental Beautification

F30 Mental Health Treatment [includes NTEE F31-F33]

F60 Counseling Support Groups

N30 Physical Fitness/Community Recreational Facilities [includes N31-N32]

N99 Other Recreation, Sports, or Leisure Activities

• be available for selection through the STCU "Who Do You Love?" application as of January 10, 2019;

• be a 501(c)(3) public charity and not be subject to any U.S. sanctions;

• be listed in IRS Publication 78;

• not be designated by the IRS as a private foundation;

• not be a recipient of the previous (2017 or 2018) Digital Who Do You Love? Promotions;

• be located in STCU's charter area: Washington State and North Idaho; and

• benefit the local community.

A Charity's failure to maintain its 501(c)(3) status may, in STCU's sole discretion, disqualify the

Charity from the Promotion or from receiving any or all of the Charitable Contribution.

A Charity may be deemed ineligible if, in STCU’s (“Sponsor”) sole discretion, the Charity:

• is a politically-affiliated non-profit;

• is, or has been, under any investigation for fraud, financial misconduct or other criminal activity;

• participates in the Promotion, or otherwise conducts itself, in an unsportsmanlike or inappropriate manner;

• discriminates against, disparages or denigrates any race, age, gender, disability, sexual orientation, ethnicity, religion, political orientation, national origin, citizenship, ancestry, marital status, veteran status or mental, or physical disability or condition;

• disparages, denigrates (in writing or otherwise), or acts by means of adversarial or confrontational tactics to impact a product, service, person, industry, or organization including, but not limited to, STCU or participants in the Promotion; or

• violates these Official Rules.

A Project is ineligible, if in the Sponsor's sole discretion, the Project:

• promotes or suggests, directly or indirectly, the use of firearms/weapons, any illegal drugs, prostitution or pornography, violence, or the underage use of alcohol;

• suggests or encourages, directly or indirectly, the taking up of arms against any person, government or entity or otherwise challenge or seek to overthrow any government;

• attempts to expand membership in a religious organization or encourages conversion to a religious denomination;

• supports or promotes the pro-life or pro-choice movements;

• spends a significant amount of time advancing a particular political party or candidate or supporting lobbying for any particular party, candidate and/or cause, or expanding or encouraging a membership or a particular political party, candidate or lobbying effort; or

• violates these Official Rules.

A SPECIFIC PROJECT OF AN OTHERWISE INELIGIBLE CHARITY MAY BE

ELIGIBLE TO BE NOMINATED AND WIN SO LONG AS THAT SPECIFIC PROJECT

SATISFIES THE CONDITIONS SET FORTH IN THESE OFFICIAL RULES.

STCU may, in its sole discretion, disqualify any nomination. STCU retains the sole right and

discretion to determine eligibility and reserves the right to disqualify any organization at any

time for any reason whatsoever, including the organization’s failure to maintain its 501(c)(3)

status.

Nomination period #3:

• be recognized as a 501(c)(3) public charity in the Guidestar database (www.guidestar.org) as of February 13, 2019;

• be available for selection through the STCU "Who Do You Love?" application as of February 13, 2019;

• be a 501(c)(3) public charity and not be subject to any U.S. sanctions;

• be listed in IRS Publication 78;

• not be designated by the IRS as a private foundation;

• not be a recipient of the previous (2017 or 2018) Digital Who Do You Love? Promotions;

• be located in STCU's charter area: Washington State and North Idaho; and

• benefit the local community.

A Charity's failure to maintain its 501(c)(3) status may, in STCU's sole discretion, disqualify the

Charity from the Promotion or from receiving any or all of the Charitable Contribution.

A Charity may be deemed ineligible if, in STCU’s (“Sponsor”) sole discretion, the Charity:

• is a politically-affiliated non-profit;

• is, or has been, under any investigation for fraud, financial misconduct or other criminal activity;

• participates in the Promotion, or otherwise conducts itself, in an unsportsmanlike

or inappropriate manner;

• discriminates against, disparages or denigrates any race, age, gender, disability, sexual orientation, ethnicity, religion, political orientation, national origin, citizenship, ancestry, marital status, veteran status or mental, or physical disability or condition;

• disparages, denigrates (in writing or otherwise), or acts by means of adversarial or confrontational tactics to impact a product, service, person, industry, or organization including, but not limited to, STCU or participants in the Promotion; or

• violates these Official Rules.

A Project is ineligible, if in the Sponsor's sole discretion, the Project:

• promotes or suggests, directly or indirectly, the use of firearms/weapons, any illegal drugs, prostitution or pornography, violence, or the underage use of alcohol;

• suggests or encourages, directly or indirectly, the taking up of arms against any person, government or entity or otherwise challenge or seek to overthrow any government;

• attempts to expand membership in a religious organization or encourages conversion to a religious denomination;

• supports or promotes the pro-life or pro-choice movements;

• spends a significant amount of time advancing a particular political party or candidate or supporting lobbying for any particular party, candidate and/or cause, or expanding or encouraging a membership or a particular political party, candidate or lobbying effort; or

• violates these Official Rules.

A SPECIFIC PROJECT OF AN OTHERWISE INELIGIBLE CHARITY MAY BE

ELIGIBLE TO BE NOMINATED AND WIN SO LONG AS THAT SPECIFIC PROJECT

SATISFIES THE CONDITIONS SET FORTH IN THESE OFFICIAL RULES.

STCU may, in its sole discretion, disqualify any nomination. STCU retains the sole right and

discretion to determine eligibility and reserves the right to disqualify any organization at any

time for any reason whatsoever, including the organization’s failure to maintain its 501(c)(3)

status.

Nomination period #4:

• be recognized a 501(c)(3) public charity as of May 16, 2019, and according to Guidestar database (www.guidestar.org) aligns with this nomination’s theme “children’s non-profits,” including but not limited to the following cause area/NTEE code(s):

A25 Arts Education/Schools

A52 Children's Museums

A60 Performing Arts [includes NTEE A61-A6E]

B20 Elementary, Secondary Ed [includes NTEE B21-B28]

C60 Environmental Education and Outdoor Survival Programs

I72 Child Abuse, Prevention of

L41 Temporary Shelter for the Homeless

N32 Parks and Playgrounds

O20 Youth Centers and Clubs (includes Boys/Girls Clubs)—Multipurpose

[includes O21-O23]

O31 Big Brother, Big Sisters

O40 Scouting [includes O41-O43]

O50 Youth Development Programs [includes O51-O54; excludes O55]

P30 Children’s and Youth Services [includes P31-P33]

• be available for selection through the STCU "Who Do You Love?" application as of May 16, 2019;

• be a 501(c)(3) public charity and not be subject to any U.S. sanctions;

• be listed in IRS Publication 78;

• not be designated by the IRS as a private foundation;

• not be a recipient of the previous (2017 or 2018) Digital Who Do You Love? Promotions;

• be located in STCU's charter area: Washington State and North Idaho; and

• benefit the local community.

A Charity's failure to maintain its 501(c)(3) status may, in STCU's sole discretion, disqualify the

Charity from the Promotion or from receiving any or all of the Charitable Contribution.

A Charity may be deemed ineligible if, in STCU’s (“Sponsor”) sole discretion, the Charity:

• is a politically-affiliated non-profit;

• is, or has been, under any investigation for fraud, financial misconduct or other criminal activity;

• participates in the Promotion, or otherwise conducts itself, in an unsportsmanlike or inappropriate manner;

• discriminates against, disparages or denigrates any race, age, gender, disability, sexual orientation, ethnicity, religion, political orientation, national origin, citizenship, ancestry, marital status, veteran status or mental, or physical disability or condition;

• disparages, denigrates (in writing or otherwise), or acts by means of adversarial or confrontational tactics to impact a product, service, person, industry, or organization including, but not limited to, STCU or participants in the Promotion; or

• violates these Official Rules.

A Project is ineligible, if in the Sponsor's sole discretion, the Project:

• promotes or suggests, directly or indirectly, the use of firearms/weapons, any illegal drugs, prostitution or pornography, violence, or the underage use of alcohol;

• suggests or encourages, directly or indirectly, the taking up of arms against any person, government or entity or otherwise challenge or seek to overthrow any government;

• attempts to expand membership in a religious organization or encourages conversion to a religious denomination;

• supports or promotes the pro-life or pro-choice movements;

• spends a significant amount of time advancing a particular political party or candidate or supporting lobbying for any particular party, candidate and/or cause, or expanding or encouraging a membership or a particular political party, candidate or lobbying effort; or

• violates these Official Rules.

A SPECIFIC PROJECT OF AN OTHERWISE INELIGIBLE CHARITY MAY BE

ELIGIBLE TO BE NOMINATED AND WIN SO LONG AS THAT SPECIFIC PROJECT

SATISFIES THE CONDITIONS SET FORTH IN THESE OFFICIAL RULES.

STCU may, in its sole discretion, disqualify any nomination. STCU retains the sole right and

discretion to determine eligibility and reserves the right to disqualify any organization at any

time for any reason whatsoever, including the organization’s failure to maintain its 501(c)(3)

status.

Nomination period #5:

• be recognized a 501(c)(3) public charity as of August 30, 2019, and according to Guidestar database (www.guidestar.org) aligns with this nomination’s theme “senior citizens non-profit,” including but not limited to the following cause area/NTEE code(s):

G83 Alzheimer’s

E20 Hospitals and Primary Medical Care Facilities [includes E21-E24]

K36 Meals on Wheels

L22 Senior Citizen’s Housing, Retirement Communities

P70 Residential, Custodial Care (Group Home) [includes P72-P75]

P81 Senior Centers/Services

• be available for selection through the STCU "Who Do You Love?" application as of August 30, 2019;

• be a 501(c)(3) public charity and not be subject to any U.S. sanctions;

• be listed in IRS Publication 78;

• not be designated by the IRS as a private foundation;

• not be a recipient of the previous (2017 or 2018) Digital Who Do You Love? Promotions;

• be located in STCU's charter area: Washington State and North Idaho; and

• benefit the local community.

A Charity's failure to maintain its 501(c)(3) status may, in STCU's sole discretion, disqualify the

Charity from the Promotion or from receiving any or all of the Charitable Contribution.

A Charity may be deemed ineligible if, in STCU’s (“Sponsor”) sole discretion, the Charity:

• is a politically-affiliated non-profit;

• is, or has been, under any investigation for fraud, financial misconduct or other criminal activity;

• participates in the Promotion, or otherwise conducts itself, in an unsportsmanlike or inappropriate manner;

• discriminates against, disparages or denigrates any race, age, gender, disability, sexual orientation, ethnicity, religion, political orientation, national origin, citizenship, ancestry, marital status, veteran status or mental, or physical disability or condition;

• disparages, denigrates (in writing or otherwise), or acts by means of adversarial or confrontational tactics to impact a product, service, person, industry, or organization including, but not limited to, STCU or participants in the Promotion; or

• violates these Official Rules.

A Project is ineligible, if in the Sponsor's sole discretion, the Project:

• promotes or suggests, directly or indirectly, the use of firearms/weapons, any illegal drugs, prostitution or pornography, violence, or the underage use of alcohol;

• suggests or encourages, directly or indirectly, the taking up of arms against any person, government or entity or otherwise challenge or seek to overthrow any government;

• attempts to expand membership in a religious organization or encourages conversion to a religious denomination;

• supports or promotes the pro-life or pro-choice movements;

• spends a significant amount of time advancing a particular political party or candidate or supporting lobbying for any particular party, candidate and/or cause, or expanding or encouraging a membership or a particular political party, candidate or lobbying effort; or

• violates these Official Rules.

A SPECIFIC PROJECT OF AN OTHERWISE INELIGIBLE CHARITY MAY BE

ELIGIBLE TO BE NOMINATED AND WIN SO LONG AS THAT SPECIFIC PROJECT

SATISFIES THE CONDITIONS SET FORTH IN THESE OFFICIAL RULES.

STCU may, in its sole discretion, disqualify any nomination. STCU retains the sole right and

discretion to determine eligibility and reserves the right to disqualify any organization at any

time for any reason whatsoever, including the organization’s failure to maintain its 501(c)(3)

status.

3. Nomination. There will be a total of five (5) nomination periods. Participants may nominate

qualified organizations in the following nomination periods:

1. Military and veteran non-profits may be nominated from November 9, 2018 through November 18, 2018. One (1) nomination per person and only the first nomination from each person will be accepted per day. Nominations must be cast and received by 5:00 p.m. PST on November 18, 2018.

2. Health and wellness non-profits may be nominated from January 11, 2019 through January 20, 2019. One (1) nomination per person and only the first nomination from each person will be accepted per day. Nominations must be cast and received by 5:00 p.m. PST on January 20, 2019.

3. Any category of non-profits may be nominated from February 14, 2019 through February 24, 2019. One (1) nomination per person and only the first nomination from each person will be accepted per day. Nominations must be cast and received by 5:00 p.m. PST on February 24, 2019.

4. Children’s non-profits may be nominated from May 17, 2019 through May 26, 2019. One (1) nomination per person and only the first nomination from each person will be accepted per day. Nominations must be cast and received by 5:00 p.m. PST on May 26, 2019.

5. Senior Citizen’s non-profits may be nominated from August 31, 2019 through September 9, 2019. One (1) nomination per person and only the first nomination from each person will be accepted per day. Nominations must be cast and received by 5:00 p.m. PST on September 9, 2019.

4. Charitable Contribution.

For nomination periods 1, 2, 4, and 5, the qualifying Charity that receives the most

nominations during the Nomination Period will receive from STCU a charitable contribution of

$2,500.00 (the "Charitable Contribution"). In the event of a tie, the Charity that received the

most nominations first will be determined the winner. By way of example only, Charity A and

Charity B both receive 325 nominations, but Charity B received its 325th nomination at 3:43

p.m. February 8 and Charity A received its 325th nomination at 9:23 a.m. February 10. Charity

B would be the winning charity. Winners will be announced by October 15, 2019. Total

combined contribution awarded for nomination periods 1, 2, 4, and 5 will be $10,000.00.

For nomination period 3, the qualifying Charity that receives the most nominations during the

Nomination Period will receive from STCU a charitable contribution of $5,000.00 (the

"Charitable Contribution"). The Charity that receives the second most nominations during the

Nomination Period will receive from STCU a Charitable Contribution of $2,500.00. The Charity

that receives the third most nominations during the Nomination Period will receive from STCU

a Charitable Contribution of $1,000.00. In the event of a tie, the Charity that received the

most nominations first will be determined the winner. By way of example only, Charity A and

Charity B both receive 325 nominations, but Charity B received its 325th nomination at 3:43

p.m. February 8 and Charity A received its 325th nomination at 9:23 a.m. February 10. Charity

B would be the winning charity. Winners will be announced by April 15, 2019. Total combined

contribution awarded for nomination period 3 will be $8,500.00.

5. Odds. A Charity's actual odds of winning depend on the number of eligible nominations

received.

6. Decisions. Decisions by STCU will be binding and conclusive on all matters. By participating

in this Promotion, participants and their parents or guardians (if entrant is under the age of

18), the nominated Charities, and the winning Charity agree to abide by and be bound by these

Official Rules, and to accept the decisions of STCU as final. Participants and their parents or

guardians (if entrant is under the age of 18), the nominated Charities, and the winning Charity

also agree to hold STCU and each of its officers, directors, employees, members, and

representatives and agents harmless from any liability arising from participation in this

Promotion and/or the acceptance of any Charitable Contribution. STCU and each of its officers,

directors, employees, members, representatives, and agents are not responsible for any

negligence, claims, liability, injury, property loss, or other damages arising from, or in

connection with, acceptance of the Charitable Contribution or participation in this Promotion.

STCU is not responsible for lost, late, misdirected, undeliverable, illegible, or incomplete

nominations, whether due to system errors or failures, faulty transmission, or other

telecommunications malfunctions, nominations not received resulting from any hardware or

software failures of any kind, lost or unavailable network connections, failed, incomplete or

garbled computer or telephone transmissions, typographical or system errors and failures,

technical malfunctions, spam filters, or otherwise. STCU may prohibit a participant or Charity

from participating in the Promotion if, in its sole discretion, it determines that said participant

or Charity is attempting to undermine the legitimate operation of the Promotion by cheating,

hacking, deception, or other unfair playing practices (including the use of automated quick

entry programs) or intending to annoy, abuse, threaten, or harass any other participants,

Charities, or STCU. If for any reason this Promotion is not able to be conducted as planned,

including, but not limited to, by reason of infection by computer virus, bugs, tampering,

unauthorized intervention, fraud, or any other causes beyond the reasonable control of STCU

which corrupt or affect the administration, security, fairness, integrity, or proper conduct of

the Promotion, then STCU reserves the right at its sole discretion to cancel, terminate, modify

or suspend the Promotion. CAUTION: ANY ATTEMPT BY A PARTICIPANT OR CHARITY TO

DELIBERATELY DAMAGE OR UNDERMINE THE LEGITIMATE OPERATION OF THE PROMOTION MAY BE IN VIOLATION OF CRIMINAL AND CIVIL LAWS AND SHOULD SUCH AN ATTEMPT BE MADE, STCU RESERVES THE RIGHT TO SEEK REMEDIES AND DAMAGES (INCLUDING ATTORNEYS' FEES) FROM ANY SUCH ENTRANT TO THE FULLEST EXTENT OF THE LAW, INCLUDING CRIMINAL PROSECUTION.

7. Compliance with law. All issues and questions concerning the construction, validity

interpretation, and enforceability of these Official Rules, or the rights and obligations of the

entrant and STCU in connection with the Promotion, shall be governed by, and construed in

accordance with, the substantive laws of the State of Washington, without regard to its choice

of law provisions.

8. Resolution of disputes. Except where prohibited by law, as a condition of participating in

this Promotion, all participants and the nominated Charities agree that (1) any and all disputes

and causes of action arising out of or connected with the “Who Do You Love?” drawing or any

prizes awarded, shall be resolved individually, without resort to any form of class action, and

exclusively by final and binding arbitration under the rules of the American Arbitration

Association and held at the AAA regional office nearest Spokane, Washington; (2) the laws of

the State of Washington will govern the enforcement and all proceedings at such arbitration;

and (3) judgment upon such arbitration award may be entered in any court having jurisdiction.

Under no circumstances will any participant or Charity be permitted to obtain awards for, and

each participant and Charity waives all rights to claim, punitive, incidental or consequential

damages, or any other damages, including attorneys' fees, other than actual out-of-pocket

expenses (i.e., costs associated with entering the Promotion), and waives all rights to have

damages multiplied or increased under any federal or state law.

9. Miscellaneous. This Promotion is void where prohibited. STCU may substitute prizes of

equivalent value, amend the rules or discontinue the Promotion at any time. STCU reserves the

right to eliminate a participant's involvement and all nominations cast through the Promotion is

STCU, in its sole discretion, determines the participant is not abiding by these Official Rules or

otherwise acting in an unsportsmanlike or inappropriate manner. Written copies of these rules

and the name of the winning Charity are available during normal business hours at any STCU

location and by mail upon written request to STCU, Attn: Community Relations, 528 E. Spokane

Falls Blvd. Spokane, WA 99202, with a stamped, self-addressed return envelope. All requests

must be received by December 31, 2019.

10. Sponsor. Spokane Teachers Credit Union (STCU) is the sponsor of this Promotion and is

headquartered at 1620 N. Signal Drive, Liberty Lake, WA 99019.