Selection Process:

After reviewing online applications, including photos, a team comprised of Truity Credit Union employees who are experienced in judging will evaluate using the following guides:

• Photo Effort
• Short Answer Questions
• GPA
• Community Service
• Leadership Roles / School Activities

Truity 2018 Scholarship Competition Official Rules & Regulations

These Rules & Regulations are specific to the Truity Credit Union Scholarship. The Program is governed by the rules set forth below. By applying for The Truity Credit Union Scholarship (entering "The Competition") you agree that you have read and will abide by these Rules and Regulations and the decisions of The Competition Sponsor. You also agree to comply with all applicable laws. The Competition is void in whole or in part where prohibited by law. Participation in The Competition constitutes full and unconditional agreement and acceptance of these Rules & Regulations.

1. Competition Sponsor
   The Competition Sponsor is Truity Credit Union.
2. Contest Dates
   The Competition begins on Thursday, February 1, 2018 and closes at 4:00 p.m. Central Standard Time (CST) on Friday, March 16, 2018. Entries must be received by The Competition Sponsor within this period to be eligible to be entered to be awarded a scholarship.
3. Entrant Eligibility
   • The Competition is open to applicants who at the time of their entry:
     • are enrolled to attend any post-secondary institution for the 2018-2019 school year.
     • be a member of Truity Credit Union.
     • be a high school senior graduating in May 2018
   • Employees, retirees and representatives of the Contest Sponsors and their respective affiliates, subsidiaries, related companies, agents, associates, dealers, representatives, advertising and promotional agencies are not eligible to participate in The Competition.
   • Any entrants who are below nineteen at the time of their entry must obtain signed permission from a parent in order to submit an entry into the Truity Scholarship Competition and must provide this documentation to The Competition Sponsor if asked.
   • The Competition Sponsor shall have the right at any time to require proof of identity and/or eligibility to participate in The Competition. Failure to provide such proof may result in disqualification.
   • All personal and other information requested by and supplied to The Competition Sponsor for the purpose of The Competition must be truthful, complete, accurate and in no way misleading.
   • The Competition Sponsor may at any time in their sole discretion disqualify any entrant who:
     • does not meet The Competition eligibility criteria,
     • fails to comply with these rules,
     • attempts to disrupt The Competition,
     • or attempts to circumvent any of these rules.
4. How To Apply
   • No purchase or entry fees are required to enter or be awarded a scholarship as part of The Competition.
   • o Entrants who meet the conditions as outlined in the section above are eligible to enter The Competition during The Competition period by visiting www.Truity.org/scholarships and fully completing an online application form and following the instructions provided, including uploading a photo.
   • The photo you submit (your submission) should showcase the following topic:
     • Credit unions are founded on "People Helping People." Show us how you're helping people in your community. You will be required to fully complete the online application form including providing your contact information and your photo's unique Instagram URL.
   • With your application, you may be contacted by The Competition Sponsor to supply the following documentation:
   • proof of enrollment at a post-secondary institution,
     • your most recent transcript,
     • a recent photo of yourself (the photo will be used on Truity’s website as an indication of who applied – it will not be used in the judging process).
   • The proof of enrollment and transcript will be viewed by The Competition Sponsor but will be kept confidential. Your photo essay, your first and last name and the picture of yourself will be posted at http://www.Truity.org/scholarships for the public to view.
   • You are solely responsible for ensuring that all information you submit is up-to-date and accurate.
   • The chances of receiving a scholarship through The Competition are dependent on the number of applications received and the creativity and quality of those applications.
   • Only one entry per person will be accepted. Entrants made with multiple addresses, under multiple identities, or through the use of any device or artifice to enter multiple times or entries that are in excess of the permitted number of entries during The Competition are automatically void.
   • No purchase or entry fees are required to enter The Competition or to be a recipient of a scholarship from Truity Credit Union.
   • Submissions shall not be returned to participants.
   • If you are unable to submit a photo, please contact us at 918.338.7823.
5. Submission Eligibility
   • Your photo must:
     • meet all guidelines, criteria, and technical requirements imposed by Instagram with respect to photos submitted to Instagram,
     • comply with the other requirements listed below under the "Photo Contents" heading,
     • not contain URLs or logos laid over the photo,
     • not contain any copyrighted works, including pictures, posters etc., unless you are the owner of such rights or have permission of the rightful owner to submit the material in accordance with these rules,
     • be intended for a family audience and therefore not contain, depict or refer to any crude, vulgar, obscene, sexually, explicit, disparaging, discriminatory, offensive, illegal or otherwise unsuitable language, activity or other content (all as determined by The Competition Sponsor in their sole discretion),
     • not contain, depict or refer to any content which disparages or refers negatively to The Competition Sponsor, The Competition, or any other person or entity (all as determined by The Competition Sponsor in their sole discretion),
     • not conflict with any of The Competition Sponsor’s core values, or is otherwise objectionable to The Competition Sponsor (as determined by The Competition Sponsor in their sole discretion),
     • not contain any content that violates any law or any third party's rights (including privacy, personality and intellectual property rights),
     • not promote, depict or refer to any commercial enterprises other than Truity Credit Union,
     • not contain material that infringes another’s rights, including but not limited to privacy or intellectual property rights.
   • You will need to:
     • Post your photo to Instagram
     • Tag your photo using the hashtag “#TruityCUscholarship”
     • Copy your Instagram photo’s URL and paste in the application.
   • By submitting a photo to The Competition Sponsor you represent and warrant that you:
     • are the original creator of the photo,
     • agree that The Competition Sponsor will not infringe or violate any third party's intellectual property, privacy, personality or other rights when The Competition Sponsor copy, display, edit, modify, transmit or otherwise use that photo in connection with The Competition or any advertising,
     • agree the photo meets all of the eligibility requirements set out in these rules,
     • agree the photo, all images and ideas submitted with the application are being submitted on a non-confidential basis and may be edited and posted to a website without compensation,
     • understand that submission of the photo and any images and content may impact the Applicant’s legal rights to protect them,
     • confirm all trademarks and copyrighted material have been properly acknowledged in the application,
     • acknowledge The Competition Sponsor or any of their affiliates or subsidiaries may already be in the process of independent development and innovation for various products and services and therefore any disclosure of information or ideas submitted by the Applicant may not be new to The Competition Sponsor or their affiliates or subsidiaries and would not affect or impair its proprietary rights to their own innovation.
   • Subject and Participant Releases
     • Photos that are submitted with inadequate documentation, as determined solely by The Competition Sponsor, will not be eligible for the contest.
     • Instagram is not sponsoring The Competition.
     • Instagram and Truity Credit Union are not liable for any intellectual property issues or violations of U.S. law.
   • Other
     • The Competition Sponsor may disqualify any entry if they determine (in their sole discretion) that the submission does not comply with these eligibility requirements or otherwise with these rules.
6. Scholarships To Be Awarded At Close of Competition
   Three (3) $1,000 scholarships will be awarded toward the students' 2018-2019 college or university. One will be awarded in the Bartlesville, Oklahoma area, one in the Lawrence, Kansas area and one in the Springdale, Arkansas area. Scholarship money will be deposited to your Truity Credit Union account. Money can be used for any higher education expense (tuition, books, computer, etc.).
7. Judging Process
   All application forms, photo submissions, and other documentation will be evaluated by a team comprised of Truity Credit Union employees who are experienced in judging and based on the evaluation criteria set out below, and whose decisions are final.
   • GPA 25pts possible
   • Community Service / Volunteer Work 25pts possible
   • Leadership Roles / School Activities 25pts possible
   • Photo Effort / Content 10pts possible
   • Short Answer Questions 15pts possible

   The recipients of the scholarships will be announced, at the discretion of Truity Credit Union, by methods of Truity Credit Union's choosing, by May 25, 2018.
   In order to be eligible to be awarded the scholarship each recipient may be required to:

   • Sign a Declaration of Compliance with Rules and Regulations and an Assignment, Release and Indemnity Form, assigning all rights to the photo and essay submission to The Competition Sponsor, including all copyrights and moral rights and releasing The Competition Sponsor, their affiliates and respective advertising and promotions agencies from any liability in connection with The Competition or the scholarships awarded.
   • Produce valid identification, which may include proof of age and photo identification. If the above requirements are not met, the recipient could be disqualified at the discretion of The Competition Sponsor, and another recipient may be selected in their place.
8. License
   By entering The Competition, you irrevocably and exclusively assign all copyright, without limitation of time, place, medium, support or language, in the photo or essay to The Competition Sponsor and waive all legal and moral rights to the photo or essay in favor of The Competition Sponsor. Accordingly, you acknowledge that The Competition Sponsor will have the unrestricted and exclusive right to use the photo or essay for any purpose, including but not limited to, publishing it in an electronic form on the Truity website for promotional purposes without further compensation. The Competition Sponsor also have the right to (but are not required to) use your name, image, likeness, age, biographical information and school name in credit along with the photo or essay. You confirm that you are the sole author of the photo or essay and that you own all rights to it and are able to fully assign all rights to The Competition Sponsor as contemplated above. You agree to compensate The Competition Sponsor should any claims arise out of the use of the photo or essay by The Competition Sponsor.
9. Conduct
   By participating in The Competition, each entrant agrees to be bound by The Competition Rules & Regulations, which will be posted and available at www.Truity.org/scholarships. Entrants further agree to be bound by the decisions of The Competition Sponsor, which shall be final and binding in all respects. The Competition Sponsor reserve the right, in their sole discretion, to disqualify any entrant found to be: (a) violating The Competition Rules & Regulations; (b) tampering or attempting to tamper with the entry process or the operation of The Competition; (c) violating the terms of service, conditions of use and/or general rules or guidelines of Truity Credit Union; and/or (d) acting in an unsportsmanlike or disruptive manner, or with intent to annoy, abuse, threaten or harass any other person. Any attempt to deliberately damage any website or interfere with the legitimate operation of The Competition may be a violation of criminal and civil laws, and The Competition Sponsor reserve the right to seek damages and/or other relief from all responsible persons to the fullest extent permitted by law.
10. Disclaimers, Liability, and Indemnification
    By participating in The Competition, you release and agree to indemnify and hold harmless The Competition Sponsor and their employees, directors, officers, affiliates, agents, judges and advertising and promotional agencies from any and all damages, injuries, claims, causes of actions, or losses of any kind resulting from your participation in The Competition or receipt or use of any scholarship or prize. By participating in The Competition, you further agree to indemnify and hold harmless The Competition Sponsor and their employees, directors, officers, members, affiliates, agents, judges and advertising and promotional agencies from any and all damages, injuries, claims, causes of actions or losses of any kind (including actual legal fees and expenses) arising from or related to: (a) your failure to comply with any of these Rules and Regulations; (b) any misrepresentation you make under these Rules and Regulations or otherwise to The Competition Sponsor; or (c) your participation in The Competition. The Competition Sponsor shall have no liability for any loss or damage of any photos or essays entered in The Competition or for any other loss or damage resulting directly or indirectly from your participation in The Competition. The Competition Sponsor are not responsible for: (1) incorrect or inaccurate transcription of entry information or late, lost, incomplete, misdirected entries, or entries received through impermissible or illegitimate channels; (2) technical failures of any kind, including without limitation the malfunctioning of any telephone, computer, network, hardware or software; (3) the unavailability or inaccessibility of any service; (4) unauthorized human intervention in any part of the entry process or The Competition; (5) electronic or human error which may occur in the administration of The Competition or the processing of entries; or (6) any injury or damage to persons or property, including without limitation your computer, which may be caused, directly or indirectly, in whole or in part, from your participation in The Competition or from downloading any material. The Competition Sponsor will not be liable to you for any indirect, special, consequential, or punitive damages in connection with The Competition or these Rules and Regulations.
11. Privacy / Use of Personal Information
    By participating in The Competition, applicant entrants (a) grant to The Competition Sponsor the right to use his/her name, mailing address, telephone number, and e-mail address ("Personal Information") for the purpose of administering The Competition, including but not limited to contacting and announcing the recipients; (b) grant to The Competition Sponsor the right to use his/her Personal Information for publicity and promotional purposes relating to The Competition, in any and all media now known or hereafter devised, without further compensation unless prohibited by law; and (c) acknowledges that The Competition Sponsor may disclose his/her Personal Information to third-party agents and service providers of any of The Competition Sponsor in connection with any of the activities listed in (a) and (b) above. The Competition Sponsor will use the entrant's Personal Information only for identified purposes, and protect the entrant's Personal Information in a manner that is consistent with The Competition Sponsor's Privacy Policy as outlined at https://www.truitycu.org/privacypolicy
12. Intellectual Property
    All intellectual property, including but not limited to trade-marks, trade names, logos, designs, promotional materials, web pages, source code, drawings, illustrations, slogans and representations are owned by The Competition Sponsor and/or their affiliates. All rights are reserved. Unauthorized copying or use of any copyrighted material or intellectual property without the express written consent of its owner is strictly prohibited.
13. Termination
    If for any reason The Competition Sponsor cannot run The Competition as planned, (including as a result of bugs, tampering, unauthorized intervention, fraud, technical failures, infection by computer virus or any other cause that corrupts, impairs or affects the administration, security, fairness, integrity, or proper conduct of The Competition) The Competition Sponsor reserve the right to cancel, modify, extend or suspend The Competition. In that event, The Competition Sponsor may determine the winner from among the eligible entries received up to the time of the impairment, or cancel The Competition. The Competition Sponsor may also disqualify any individual who tampers with or in any way corrupts the entry or voting process, or who attempts to undermine the legitimate operation of The Competition by cheating, hacking, deception, or other unfair practices, or by attempting to annoy, abuse, threaten or harass any other entrants or representatives of The Competition Sponsor. The Competition Sponsor reserve the right to modify or cancel The Competition at any time including, without limitation, in the event of technical corruption, virus, bugs, non-authorized human intervention or any other technical problems, which may arise from time-to-time beyond the control of The Competition Sponsor, destroying the integrity of The Competition. No liability or responsibility is assumed by The Competition Sponsor, resulting from user attempts to participate in The Competition or if required, download any information necessary to participate in The Competition.
14. Law
    These Rules & Regulations constitute the complete rules and regulations associated with The Competition. The Competition is subject to applicable federal, state and municipal laws and regulations. These Rules and Regulations are subject to change without notice in order to comply with any applicable federal, provincial and municipal laws or the policy of any other entity having jurisdiction over The Competition Sponsor. All issues and questions concerning the construction, validity, interpretation and enforceability of the Rules and Regulations or the rights and obligations as between the applicant and The Competition Sponsor in connection with The Competition shall be governed by and construed in accordance with the laws of the state of Oklahoma, Kansas and Arkansas.
15. Disputes
    All disputes, claims and causes of action arising out of or connected with The Competition or these rules and regulations will be resolved individually, without resort to any form of class action, and exclusively by the appropriate court.
16. Language Discrepancy
    In the event of any discrepancy or inconsistency between the terms and conditions of The Competition rules and regulations and disclosures or other statements contained in any Competition-related materials, including but not limited to The Competition application form, or point of sale, print or online advertising, the terms and conditions of these rules and regulations shall prevail, govern and control. Any inquiries or concerns relating to The Competition should be made in writing and addressed to:

Truity Credit Union
ATTN: Marketing Department
PO Box 1358
Bartlesville, OK 74005