NO PURCHASE NECESSARY TO ENTER OR WIN. A PURCHASE DOES NOT INCREASE YOUR CHANCES OF WINNING. VOID OUTSIDE WHEREVER PROHIBITED BY LAW.

SPONSOR: Capital Educators Federal Credit Union, dba CapEd Credit Union, 275 S Stratford Dr., Meridian, ID 83642 (the "Sponsor").

DATES OF PROMOTION: "CapEd $25K Giveaway" Sweepstakes (the "Promotion") begins at 12:00:01 a.m. Mountain Time ("MT") on June 1, 2025, and ends at 11:59:59 p.m. MT on November 30, 2025 ("Promotion Period"), subject to entry period dates and times as outlined in the ENTRY PERIODS section in these Official Rules. Sponsor's computer shall be the official clock of the Promotion.

ELIGIBILITY: The Promotion is open only to (1) legal residents of Idaho, and counties in Oregon, Nevada and Washington that border Idaho, and (2) entrants who are eighteen (18) years of age or older in their state of residence at the time of entry (the "Entrant"). All Entrants must have and provide a cell phone number, have access to the Internet and an email address in order to enter. Normal Internet, phone and usage charges imposed by your online or phone service provider may apply. Directors, officers, and employees of Sponsor, and their immediate household family members (parents, children, siblings or spouse), or persons living in same household, whether related or not, are not eligible to participate in this Promotion. Promotion is void outside ID, OR, NV, WA and wherever else restricted or prohibited by law. By entering the Promotion, Entrant indicates their full and unconditional agreement to, and acceptance of, these Official Rules and the decisions of the Sponsor, which are final and binding in all respects. Winning a prize is contingent upon fulfilling all requirements set forth herein.

ENTRY PERIODS: The Promotion Period is subject to six entry periods (each, an "Entry Period"). Each Entry Period begins at 12:00:01 a.m. MT and ends at 11:59:59 p.m. MT on the start date and end date as outlined below:

Entrants that submit entries during the applicable Entry Period will be entered into any corresponding Entry Period drawing. For Entry Periods 1-5, there will be a drawing to randomly select one (1) Entry Period prize winner (each, an "Entry Period Prize Winner") and each Entry Period Prize Winner will win an Entry Period prize (the "Entry Period Prize"). For the final Entry Period (Grand Prize Drawing), there will be a drawing to randomly select two (2) Grand Prize winners (each, a "Grand Prize Winner") and each Grand Prize Winner will win a Grand Prize (as defined below). All non-winning eligible entries from each Entry Period will "rollover" or carry over to subsequent Entry Period drawings. All eligible entries received during the Promotion Period (whether or not such entry won an Entry Period Prize) will be eligible for the Grand Prize drawing to take place on or about December 9, 2025 (the "Grand Prize Drawing").

HOW TO ENTER: Entrants will gain an entry for each of the following:

1. Open a new CapEd High Yield Checking or Cash Back Checking Account, limited one entry per person.
2. Provide and complete a member referral using the MyCapEdRewards.com site of providing a member referral coupon, unlimited entries per person.
3. Visit a CapEd retail branch location and complete an entry following the posted QR code, limited to one entry per month.

For option 3, entrants must fully complete and submit all required information on the online entry form to be eligible, including, name, address, city, state, zip, email and cell phone. Incomplete and multiple daily entries are void. Entrant must visit a retail location to complete the online entry form to receive no more than one (1) entry per calendar month during the Promotion. Entrants may also enter via the QR code found on Sponsor branded advertising materials. Entrant will scan the QR code using a web-enabled wireless device equipped with a QR code reader app (free to download) to be directed to capedcu.com/25Kgiveaway (the "Website") where you would follow the directions above to enter, provided that no Entrant may receive more than one (1) entry per calendar month during the Promotion.

Normal internet access and usage charges imposed by Entrants online service will apply. If Entrant participates from a mobile phone, such activity will be subject to the charges pursuant to their wireless service provider's rate plan. Entrant further understands that by participating via mobile phone, if they are a potential prize winner, the Sponsor may contact them via mobile phone, which will be subject to the charges pursuant to their wireless service provider's rate plan. Please consult wireless service provider for more information. Entrants are solely responsible for any related equipment and Internet access charges, if any.

In the event of a dispute regarding the identity of the person submitting an entry, the entry will be deemed submitted by the authorized account holder of the e-mail address submitted at the time of entry. The "authorized account holder" means the natural person who is assigned to the e-mail address by an Internet access provider, on-line service provider, or other organization that is responsible for assigning e-mail addresses, or the domain associated with the submitted e-mail address. Potential prize winners may be required to show proof of being the authorized account holder.

Any attempt by an Entrant to obtain more than the allowable number of entries by using multiple/different email addresses, accounts, identities, registrations, logins, and/or any other methods, including, but not limited to, automated entry, will void all of that Entrant's entries and that Entrant may be disqualified from the Promotion. Multiple Entrants are not permitted to share the same email address. Neither the Sponsor nor any Promotion Entity will verify receipt of entries for Entrants. All entries submitted become the sole property of Sponsor and will not be returned.

Without limitation, Sponsor reserves the right in its sole discretion to disqualify any Entrant whose social media account that, in their sole opinion, refers, depicts or in any way reflects negatively upon the Sponsor, the Promotion or any other person or entity; does not comply with these Official Rules; or if Sponsor receives notification about any potential infringements or breaches of law or any other reason set forth herein.

DRAWING/ODDS:

Entry Period Drawings: For each Entry Period during the Promotion, one (1) Entry Period Prize Winner will be selected in a random drawing from among all eligible entries received during that respective Entry Period in a random drawing conducted under the supervision of the Sponsor's Chief Enterprise Risk Officer (CERO), whose decisions are based on their sole discretion and interpretation of these Official Rules, and are final and binding in all respects. Sponsor decisions are final. Odds of winning any Entry Period Prize depend upon the total number of eligible entries received for each Entry Period and subsequent Entry Periods.

Grand Prize Drawing: On December 9, 2025, two (2) grand prize winners (the "Grand Prize Winner") will be selected from among all eligible entries received during the Promotion Period in a random drawing conducted under the supervision of the Sponsor's Chief Enterprise Risk Officer (CERO), whose decisions are based on their sole discretion and interpretation of these Official Rules and are final and binding in all respects. Odds of winning Grand Prize depend upon the total number of eligible entries received during the Promotion Period.

PRIZES:

Entry Period Prizes: Each Entry Period Prize Winner will receive $1,000 to be awarded in the form of a deposit into a CapEd Credit Union savings or Rewards Checking account. Winner must have or open such accounts with CapEd Credit Union. Total approximate retail value ("ARV") of each Entry Period Prize is $1,000. Total ARV of the first five (5) Entry Period Prizes is $5,000.

Grand Prize: The two (2) Grand Prize Winners will receive an amount equal to $10,000.00 in the form of a deposit into a CapEd Credit Union savings or Rewards Checking account. Winner must have or open such accounts with CapEd Credit Union. The two (2) Grand Prize have an ARV of $10,000.00 (the "Cash Prize"). Total ARV of Grand Prizes is $20,000.

Total ARV for all prizes available to be awarded in the entire Promotion is $25,000.00.

PRIZE RESTRICTIONS: There is a limit of one (1) Entry Period prize per person/household for the entire Promotion and one (1) Grand Prize per person/household for the entire Promotion. No transfer or substitution of any prize is allowed except at the sole discretion of the Sponsor. Sponsor reserves the right to substitute a prize of equal or greater value if any part of a prize becomes unavailable due to reasons beyond the control of the Sponsor. Sponsor will not replace any lost or stolen portion of a prize. No more than the number of prizes as set forth in these Official Rules will be awarded.

PRIZE NOTIFICATION/CLAIM: Potential prize winners will be notified by the Sponsor via email or any other available contact source provided at the time of entry within five (5) days from the drawing date (the "Notification"). Potential prize winner will also receive a "Congratulations" telephone call from a representative from Sponsor explaining to the potential winner they have been randomly selected as a potential winner and what next steps need to be taken to finalize the prize. In the event the Sponsor cannot reach the potential prize winner via the Notification, the potential prize winner does not respond by the date indicated within the Notification, the potential prize winner does not return all Required Documents (as defined below), or if it is determined by the Sponsor, in their sole discretion, that the potential prize winner is not eligible in accordance with these Official Rules, he/she will be disqualified (without compensation of any kind) and an alternate prize winner will be selected from among all remaining eligible entries received during the Promotion Period or Entry Period(s), depending on the prize, and he/she will be notified as outlined above. There will be three (3) alternate drawings after which the applicable prize will remain unawarded.

Except where prohibited, prize winner must sign and return to the Sponsor, within the date and time indicated in the Notification, an "Affidavit of Eligibility/Liability/Publicity Release" and IRS form W-9 (collectively, the "Required Documents") in order to claim any prize. If a potential prize winner fails to sign and return the Required Documents within the required time period, the potential prize winner forfeits his/her right to the prize and an alternate prize winner will be selected at random from among all remaining nonwinning eligible entries received during the Promotion Period or Entry Period(s), depending on the prize, time permitting. The value associated with the prize is taxable as income and the prize winner is solely responsible for any taxes, including, but not limited to all applicable federal, state and local taxes that become due with respect to the value of the prize. The Sponsor (or third party acting on its behalf) must report the value of the prize to the Internal Revenue Service in the year the prize is received by the prize winner and will be reported to the prize winner and the Internal Revenue Service in the form of a Form 1099. In the event it is deemed during the verification process that the potential prize winner refuses to provide a validly executed W-9 or does not have a unique, personal and valid social security number for Sponsor (or third party acting on its behalf) to report the tax liability associated with acceptance of the prize, potential prize winner will be disqualified, and another prize winner will be selected as outlined above. Valid social security numbers will be determined by IRS requirements. Each entrant acknowledges that federal and state reporting and withholding laws are subject to change without notice, that the information contained in this paragraph was applicable as of the time of printing of these Official Rules, and that Sponsor will not be liable for any change in the applicable laws or interpretations of the applicable laws.

RIGHTS GRANTED BY ENTRANT: By entering this Promotion and receiving any prize hereunder, you understand that Sponsor, anyone acting on behalf of Sponsor, or its respective licensees, successors and assigns will have the right, where permitted by law, without any further notice, review or consent to print, publish, broadcast, distribute, and use, worldwide in any media now known or hereafter in perpetuity and throughout the world, your entry, including, without limitation, the entry and prize winner's name, portrait, picture, voice, likeness, image or statements about the Promotion, and biographical information as news, publicity or information and for trade, advertising, public relations and promotional purposes without any further compensation.

GENERAL RULES OF PARTICIPATION: Promotion is subject to all applicable federal, state, and local laws. By participating in the Promotion, Entrants agree: (a) to abide by and be bound by these Official Rules and decisions of Sponsor, which shall be final in all respects relating to the Promotion, including without limitation the interpretation of these Official Rules; and (b) to release, discharge and hold harmless Sponsor, their affiliates, and their respective employees, officers, directors, franchisees, licensees, subsidiaries, advertising agencies, promotional agencies and suppliers and any other individual or company involved in the development or execution of the Promotion (collectively, the "Released Parties") from any and all direct or indirect injuries, liability, losses, damages, rights, claims and actions of any kind, whether caused by negligence or not, from Entrant's entry, participation or receipt of any prize in the Promotion, including, but not limited to: (i) liability for personal injury or death resulting from their participation in the Promotion, (ii) liability for their acceptance, use or misuse of a prize, including any and all applicable federal, state, and local taxes, (iii) technical, mechanical, printing or typographical errors or failures of any kind, including, but not limited to, the malfunctioning of any computer, cable, network, hardware or software, and inaccurate capture of registration information, or the failure to capture, or loss of, any such information; (iv) the unavailability or inaccessibility of any transmissions or telephone or Internet service; (v) unauthorized electronic or human intervention in any part of the entry process or the Promotion; (vi) electronic or human error which may occur in the administration of the Promotion or the processing of entries; or (vii) any claims based on publicity rights, copyright/trademark infringement, intellectual property rights, defamation or invasion of privacy and merchandise delivery. If, for any reason, an entry is confirmed to have been erroneously deleted, lost or otherwise destroyed, corrupted or for any other reason not accepted as an entry in the Promotion, Entrant's sole remedy is to enter the Promotion again and to receive another entry, unless it is not possible to enter due to the date of discontinuance or the Promotion ending. In the event that Entrant breaches any of these Official Rules or related agreements, Released Parties shall be entitled to and may seek indemnification, to the extent permitted by law, from Entrant for recovery of all losses (including reasonably attorneys' fees) that may be incurred by Released Parties as a result of the aforementioned breach. All Promotion materials are subject to verification and are void if: (1) not obtained in accordance with these Official Rules and through legitimate channels; (2) any part is counterfeited, altered, defective, damaged, illegible, reproduced, tampered with, mutilated or irregular in any way; (3) are obtained where prohibited; or (4) are mutilated, altered, copied, hand printed, forged, water damaged, manipulated or tampered with in any way, or which contain any printing, mechanical or typographical errors, will be considered null and void and will not be eligible for the prize.

Sponsor may prohibit an Entrant from participating in the Promotion or winning a prize if, in its sole discretion, it determines that said Entrant is attempting to undermine the legitimate operation of the Promotion by cheating, deception, or other unfair playing practices or intending to annoy, abuse, threaten or harass any other Entrants, Sponsor, or is in default of any agreement with Sponsor. ANY ATTEMPT BY AN ENTRANT 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, SPONSOR RESERVES THE RIGHT TO SEEK REMEDIES AND DAMAGES (INCLUDING ATTORNEY'S FEES) FROM ANY SUCH ENTRANT TO THE FULLEST EXTENT OF THE LAW, INCLUDING CRIMINAL PROSECUTION. If, for any reason whatsoever, the Promotion, in Sponsor's sole opinion, is not capable of running as planned, including, but not limited to, by reason of tampering, fraud, or any other cause which, in the Sponsor's sole judgment, corrupts or affects the administration, security, fairness, integrity or proper conduct of the Promotion, Sponsor reserves the right at its sole discretion to cancel, terminate, modify or suspend the Promotion, limit entries to those submitted prior to the action taken, and conduct a random drawing from those eligible entries for which only the advertised number of prizes will be selected.

DISPUTES: THIS PROMOTION AND THESE OFFICIAL RULES ARE GOVERNED BY THE LAWS OF STATE OF IDAHO, WITHOUT RESPECT TO CONFLICT OF LAW DOCTRINES. Except where prohibited by law, as a condition of participating in this Promotion, Entrants agree that (a) any and all disputes, claims, and causes of action arising out of, or connected with, the Promotion or any prize awarded, shall be resolved individually, without resort to any form of class action, and exclusively by the appropriate federal or state court located in Boise, Idaho; (b) any and all claims, judgments and awards shall be limited to actual out-of-pocket costs incurred, including costs associated with entering this Promotion, but in no event attorneys' fees; and (c) under no circumstances will Entrant be permitted to obtain awards for, and entrant hereby waives all rights to claim, indirect, punitive, incidental and consequential damages and any other damages, other than for actual out-of-pocket expenses, and any and all rights to have damages multiplied or otherwise increased.

INFORMATION/PRIVACY POLICY: By entering the Promotion, each Entrant authorizes and consents to the collection, use, processing, storage, and distribution of all data provided by Entrant to Sponsor, including his or her personal information (information that identifies an Entrant as an individual, name, email address, and date of birth) in the United States, or any location(s) throughout the world that the Sponsor deems necessary, whether within Entrant's country of residence or elsewhere, by the Sponsor for the purposes of implementing, administering and fulfilling this Promotion. Sponsor will use all Entrant information in accordance with its Privacy Policy, available here https://capedcu.com/privacy-policy. Sponsor will only use Entrant's personal information to: (a) provide information about the Promotion; (b) contact and publicize potential prize winners; and/or (c) if an Entrant selects to receive additional information from the Sponsor, to send additional information to that Entrant during or after the Promotion Period. Entrants to the Promotion may be given the option to receive commercial e-mails from the Sponsor; however, eligibility to participate in the Promotion is not dependent upon Entrant's consent to receive such e-mails. Entrants must fully complete and submit all non-optional data the Sponsor requests to be eligible for this Promotion. Entrants have the right to withdraw and correct their personal data, but Entrants are not allowed to re-submit their entries for additional entries in the Promotion.

WINNERS LIST REQUEST: To receive the winner's list, send a self-addressed, stamped (business size) envelope to: "CapEd $25K Giveaway List Request", CapEd Credit Union, PO Box 570, Meridian, ID 83680-0570. Requests must be received by February 15, 2026.

OFFICIAL RULES: Visit the Website for full Official Rules.

©2025 CapEd Credit Union. All rights reserved.

CapEd Credit Union is Federally Insured by National Credit Union Administration (NCUA) and an Equal Housing Lender.