Introduction

True North Goodwill’s True Rewards Loyalty Program (the “Program”) is a U.S.-based loyalty program offered at the sole discretion of True North Goodwill Northern Minnesota and Northwestern Wisconsin d/b/a True North Goodwill (“TNG,” “we,” or “us”) and these Terms and Conditions (the “Terms”) govern your participation in the Program. By participating in the Program, you agree to be bound by these Terms. These Terms, together with applicable terms related to any promotional offers provided to you for use with the Program, along with any TNG policies referenced herein, constitute the entire agreement between you and TNG related to the Program and supersede all proposals or prior agreements, whether oral or written, and all other communications between the parties relating to this subject matter.

We have the right to change or modify these Terms or terminate the Program at any time, for any reason, without prior notice, even though such changes may affect the value of Points already accumulated, the value of the rewards and/or the time for redemption. If we change the Terms, we will give you notice by posting the new Terms here. Those changes will go into effect on the “Last Updated” date shown in the revised Terms.

These Terms contain an arbitration agreement that requires the use of arbitration on an individual basis to resolve disputes rather than jury or any other court proceedings, or class actions of any kind. The arbitration agreement is set forth in the “Dispute Resolution” section below.

Eligibility

To participate in the Program, you must be at least 16 years old and a legal resident of the United States or Canada. Membership is limited to individuals. No corporations, businesses, organizations, tax-exempt entities or other groups are eligible to participate. By enrolling and participating in the Program, you represent that you meet these eligibility requirements. The Program is not targeted toward or intended for use by anyone under age 16. If you are at least 16 years of age and under the age of 18, you may only join the Program with the permission of a parent or legal guardian and may thereafter only use the Program under the supervision of a parent or legal guardian who agrees to be bound by these Terms.

TNG reserves the right to approve, deny or revoke participation in the Program to any individual for any reason whatsoever on an immediate basis and without prior notice.

Joining the Program

If you meet the eligibility criteria above, you may become a Program member by creating an account at https://truenorthgoodwill.myloyaltyhub.com/en/registration. No purchase is required to join the Program. Limit one account per person. You must provide and maintain true, accurate, current and complete information about yourself on the Program’s customer web portal, including mobile phone number and more.

Earning Points

As a Program member, you will earn True Rewards Loyalty Program Points (“Points”) for purchases that you make at TNG store locations, including regular and sale priced merchandise, but no Points will be earned on the purchase of gift cards or auction items from Shopgoodwill.com. Donated items are not eligible to earn Points. Vouchers are not eligible to earn Points. Dollars spent on sales tax are also not eligible to earn Points. Purchases made with Points as the form of payment are not eligible to earn Points. If a member returns or exchanges purchased items, the Points earned by those items will be deducted from the member’s Point total. There is no maximum amount of Points that you can accumulate in the Program.

In addition to earning Points for purchases, members can also earn Points for interactions with us, including but not limited to the following interactions:

• Creating a Program account at https://truenorthgoodwill.myloyaltyhub.com/en/registration and providing information about the member to earn additional Points as determined by TNG.

• Participating in limited time promotions, by which members can earn additional Points.

TNG may in its sole discretion, change, discontinue or add interactions. The number of Points earned per interaction may also be changed, with or without prior notification to members.

New members will earn Points from the date they create a Program account online and verify their telephone number. Transactions or interactions prior to the date the Program account is created are not eligible to earn Points. Identify yourself as a True Rewards loyalty member and provide the cashier the mobile number associated with your True Rewards account at the time of purchase to ensure applicable Points from your purchase are applied to your True Rewards account. Points and/or rewards cannot be applied retroactively if membership is not identified at the time of purchase. Please allow approximately 72 hours for Points to be credited to your Program account after a purchase or interaction.

Expiration of Points

Points earned by Program members will not expire unless the Program account is dormant for more than [24 months]. Points are not transferable, have no cash value, and cannot be exchanged for cash. All qualifying transactions will clearly indicate the date on which Points were earned and total Points balance on the customer web portal.

Program Benefits

Program members will have access to these additional benefits:

• Notice of True Rewards promotions: This benefit entitles eligible members to receive notifications regarding promotions offered exclusively to Program members. This benefit does not guarantee availability of merchandise at individual store locations.

• Bonus Points: From time to time, TNG may award eligible members bonus Points. Such Points are subject to the same terms as Points earned through a Program member’s purchase of merchandise.

All benefits are subject to change, discontinuance, limitations, and substitutions by TNG, at its discretion and at any time without notice.

Redeeming Points

Members earn 3 Points for every $1 spent on qualifying purchases. 33 Points equals $1.00 when redeeming Points on qualifying items. The minimum redemption amount is $3 or 100 points.

At the time of checkout, a member will be informed of their balance and may elect to redeem Points. If a member elects to redeem Points, the value of the Points will be deducted from the total price of the member’s purchase, reducing the balance owed. Applicable sales tax will be charged before any Point reductions.

Points may not be converted to or exchanged for cash. In the event of an exchange or return of merchandise purchased using Points, the Points originally redeemed are credited back to your True Rewards account, not cash back or any form of currency.

Other discounts or coupons cannot be combined with Program promotions.

Program promotions and rewards cannot be combined or used on prior purchases. Rewards and promotions are valid at Goodwill locations listed on https://truenorthgoodwill.org/, (not redeemable for Wholesale or shopgoodwill.com) and can be discontinued at any time without notice. No cash value, no rain checks.

We are not responsible for any tax liability that you may have in connection with using your Points or the Program. Any disputes concerning Points will not affect your payment obligations for your purchases.

Use of Account

Members are responsible for maintaining the confidentiality of their account and portal access and are fully responsible for any activities that occur under their account or portal access.

The Program is for members’ personal use only. The transfer, sale, or barter (or the attempted transfer, sale, or barter) of Points or Program benefits will result in cancellation of the member’s account and participation in the Program, including cancellation of any unused Points or benefits in TNG’s sole discretion.

Privacy and Consent to Marketing

The information you provide as a Program member will be managed by TNG as described in our Privacy Policy. By becoming a Program member, you consent to receive marketing communications from TNG. You may unsubscribe from marketing communications at any time if you wish to no longer receive communications related to the Program. For information about how to unsubscribe, please visit our Privacy Policy at www.truenorthgoodwill.org.

TNG will never sell, trade or share Program members’ individual information with any other organization. Members may access support and Points balances at any time by emailing truerewards@truenorthgoodwill.org. Read our Privacy Policy for further information, which is incorporated herein by reference. In the event of any conflict between these Terms and Conditions and the Privacy Policy, these Terms shall control to the maximum extent permitted by law.

Cancellation, Changes to the Program

You may cancel your Program membership at any time by logging into your account, navigating to My Account and selecting the option to opt-out. We may cancel your Program membership at any time in our reasonable discretion, including, but not limited to, if we determine that you (a) are ineligible, (b) have not earned any Points within the past [24 months], (c) violated any term or condition of the Program or any applicable law or regulation, or (d) engaged in any deception, forgery, fraud, or committed any other abuse of the Program. We may revoke some or all of your Points, True Rewards account or benefits if we determine that you received them in error, due to fraud or deception, or in any non-authorized manner.

If you cancel or TNG terminates your Program membership, you will lose all accumulated Points. If you cancel your Program membership, you may rejoin the Program at any time, but previously earned and unused Points will not carry over to your new membership. Multiple member accounts cannot be merged to gain Points.

The decisions of TNG will be final in all matters relating to the administration of the Program. TNG reserves the right to change or cancel any aspect of the Program at any time. If we change Program Terms, we will give you notice by posting the revised Terms here. The changes will take effect on the “Last Updated” date shown in the Terms. By continuing to participate in the Program, you are agreeing to the revised Terms.

Disclaimer and Limitation of Liability

TNG MAKES NO GUARANTEES, WARRANTIES OR REPRESENTATIONS OF ANY KIND CONCERNING THE PROGRAM. THE PROGRAM IS PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS. TO THE FULLEST EXTENT PERMITTED BY LAW, TNG DISCLAIMS ALL WARRANTIES OF ANY KIND, EXPRESS, IMPLIED, OR STATUTORY, WITH RESPECT TO THE PROGRAM, INCLUDING THOSE RELATED TO MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT, AND THOSE ARISING OUT OF COURSE OF DEALING, USAGE, OR TRADE.

TO THE FULLEST EXTENT PERMITTED BY LAW, TNG WILL NOT BE LIABLE FOR ANY INDIRECT, SPECIAL, INCIDENTAL, PUNITIVE, OR CONSEQUENTIAL DAMAGES, INCLUDING FOR THE LOSS OF PROFIT, REVENUE, OR DATA, ARISING OUT OF OR IN CONNECTION WITH THE PROGRAM, HOWEVER CAUSED, AND UNDER WHATEVER CAUSE OF ACTION OR THEORY OF LIABILITY BROUGHT, INCLUDING UNDER ANY CONTRACT, NEGLIGENCE, OR OTHER TORT THEORY OF LIABILITY, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

TO THE FULLEST EXTENT PERMITTED BY LAW, TNG’S TOTAL CUMULATIVE LIABILITY TO YOU OR ANY THIRD PARTY UNDER THESE TERMS, FROM ALL CAUSES OF ACTION AND ALL THEORIES OF LIABILITY, WILL BE LIMITED TO AND WILL NOT EXCEED ONE HUNDRED DOLLARS ($100). If you are dissatisfied with any portion of the Program, or with any of these Terms, TNG’s complete and entire liability, and your sole and exclusive remedy is to discontinue using the Program.

Indemnification

You agree to indemnify, defend and hold harmless TNG and its subsidiaries and affiliates, and its and their directors, officers, owners, agents, employees, information providers, licensors, licensees, consultants, contractors and other applicable third parties (collectively “Indemnified Parties”), to the maximum extent permitted by law, from and against any and all claims, demands, causes of action, debt or liability, including without limitation attorney’s fees and costs incurred by the Indemnified Parties arising out of, related to, or which may arise from:

1. your participation in the Program; and

2. any breach or non-compliance by you of these Terms.

The foregoing indemnity obligations shall apply even if caused by the ordinary negligence of an Indemnified Party, but not if caused by anything exceeding the ordinary negligence of an Indemnified Party, such as gross negligence or intentional misconduct.

All of the indemnity obligations, provisions, exclusions and limitations of liabilities and damages set forth in the preceding two (2) sections will apply to the fullest extent permitted by law, and will survive cancellation or termination of your membership and participation in the Program.

Venue and Choice of Law

These Terms are governed and interpreted pursuant to the laws of the State of Minnesota, United States of America, without reference to its provisions concerning conflicts of law.

Without limiting the arbitration agreement set forth below, you agree that any action of whatever nature arising from or relating to these Terms or the Program will be filed only in the state or federal courts located in St. Louis County in the State of Minnesota. You consent and submit to the personal jurisdiction of such courts for the purposes of any such action.

Dispute Resolution – Arbitration Agreement, Jury Trial Waiver, and Class Action Waiver

By enrolling in and participating in the Program, you agree that all disputes you may have with, or claims you may have against TNG arising out of or connected in any way with (a) the Program, (b) these Terms, or (c) the determination of the scope or applicability of this agreement to arbitrate (each a “Claim”), will be resolved through binding and final arbitration (“Arbitration Agreement”) instead of through court proceedings. You agree that, by agreeing to these Terms, you and TNG are each waiving the right to a trial by jury or to participate in a class action. Your rights will be determined by a neutral arbitrator, not a judge or jury. The Federal Arbitration Act governs the interpretation and enforcement of this Arbitration Agreement.

Notwithstanding the foregoing, this Arbitration Agreement shall not preclude either party from pursuing a court action for the sole purpose of obtaining a temporary restraining order or preliminary injunction in circumstances in which such relief is appropriate, provided that any other relief shall be pursued through an arbitration proceeding pursuant to this Arbitration Agreement.

You and TNG agree that each may bring Claims against the other only on an individual basis and not as plaintiff or class member in any purported class or representative action or proceeding. Unless both you and TNG agree otherwise, the arbitrator may not consolidate or join more than one person’s or party’s Claims and may not otherwise preside over any form of a consolidated, representative, or class proceeding. Also, the arbitrator may award relief (including monetary, injunctive, and declaratory relief) only in favor of the individual party seeking relief and only to the extent necessary to provide relief necessitated by that party’s individual Claim(s).

Most concerns can be resolved quickly and to all parties’ satisfaction by emailing TNG at truerewards@truenorthgoodwill.org. If such efforts prove unsuccessful, a party who intends to seek arbitration must first send to the other, by certified mail, a written Notice of Dispute (“Notice”). The Notice to TNG should be sent to 700 Garfield Ave, Duluth, MN 55802 Attn: Vice President of Retail Operations and Director of Finance. Notice to you will occur in accordance with the Electronic Communications paragraph below. The Notice must (i) describe the nature and basis of the Claim or dispute and (ii) set forth the specific relief sought. If you and TNG do not resolve the claim within sixty (60) calendar days after the Notice is received, you or TNG may commence an arbitration proceeding. During the arbitration, the amount of any settlement offer made by TNG or you shall not be disclosed to the arbitrator until after the arbitrator determines the amount, if any, to which you or TNG is entitled.

Arbitration will be conducted by a neutral arbitrator in accordance with the American Arbitration Association’s (“AAA”) rules and procedures, including the AAA’s Commercial Arbitration Rules (collectively, the “AAA Rules”), as modified by this Arbitration Agreement. If there is any inconsistency between any term of the AAA Rules and any term of this Arbitration Agreement, the applicable terms of this Arbitration Agreement will control unless the arbitrator determines that the application of the inconsistent Arbitration Agreement terms would not result in a fundamentally fair arbitration. All issues are for the arbitrator to decide, including, but not limited to, issues relating to the scope, enforceability, and arbitrability of this Arbitration Agreement. The arbitrator can award the same damages and relief on an individual basis that a court can award to an individual under these Terms. Decisions by the arbitrator are enforceable in court and generally may not be overturned by a court. Unless you and TNG agree otherwise, any arbitration hearings will take place in Duluth, MN. The arbitrator shall issue a reasoned written decision sufficient to explain the essential findings and conclusions on which the award is based.

Payment of all filing, administration, and arbitrator fees will be governed by the AAA Rules, unless otherwise provided in this Arbitration Agreement. Any payment of attorneys’ fees will be governed by the AAA Rules.

All aspects of the arbitration proceeding, and any ruling, decision, or award by the arbitrator, will be strictly confidential for the benefit of all parties.

If a court or the arbitrator decides that any term or provision of these Terms is invalid or unenforceable, the parties agree to replace such term or provision with a term or provision that is valid and enforceable and that comes closest to expressing the intention of the invalid or unenforceable term or provision, and these Terms shall be enforceable as so modified.

Questions?

If you have questions about the Program, contact truerewards@truenorthgoodwill.org. Please check here for any changes or updates to these Terms.

LAST UPDATED July 2nd, 2026.

Electronic Communications (including E-Sign Disclosure and Consent)

You agree and consent to receive electronically all communications, agreements, disclosures, notices and documents (collectively “Communications”) that we provide in connection with the Program and your Program account. We may at times be required to provide you with Communications in written form, which you agree to receive electronically instead of in paper form, including by sending via electronic mail to the email address you provide to us, or by posting notice or communicating with you on our website. Communications include these Terms and any and all other agreements or policies to which you must agree in order to be a Program member, including updates to those agreements and policies and any other communication related to your Program membership.

It is your responsibility to keep your email address accurate and up to date so that TNG can communicate with you.

All Communications sent in electronic format will be considered to be in “writing” and are considered received by you upon posting through the website, via push notifications to your device, or sending to you via electronic email or SMS, regardless of whether you have accessed that communication.

Consent to Contact Mobile Number

By voluntarily providing your mobile phone number to TNG, you confirm you are authorized to provide that number to TNG and agree that TNG may contact you at that number. If you provide a mobile number, you expressly agree that TNG may contact you using SMS or MMS messages at that phone number, and you hereby consent to receiving such communications for transactional, informational, and operational purposes.

Your mobile device must be enabled to receive SMS messages and promotions. Consent to receive marketing text messages is not required as a condition of purchasing any goods or services.

Participants will receive 1-6 marketing SMS messages per month to your mobile number. Message and data rates may apply. Text STOP to cancel. After you text STOP, we will send you an SMS reply to confirm that you have been unsubscribed, and you will no longer receive SMS messages. Text HELP to for support or visit truenorthgoodwill.org.

Supported major carriers: AT&T, Verizon Wireless, Sprint, T-Mobile, MetroPCS and more.

Gift Cards

We do not charge any activation, service, dormancy or inactivity fees in connection with your TNG gift card. Your TNG gift card has no expiration date nor does the value on your TNG gift card ever expire.

You can load value on your TNG gift card by visiting any TNG store. There may be a delay from the time you pay the amount to be loaded onto your TNG gift card and those funds being available for use.

If you use a credit or debit card to purchase or reload your TNG gift card, prior to charging your credit or debit card, an authorization process will occur for the amount of your purchase or reload transaction (“Transaction”). The authorization process will validate the credit or debit card number, status, available credit or funds and billing information to ensure that it matches what the bank or card company has on file. Your bank or TNG may attempt to contact you for additional information prior to authorizing the Transaction amount.

Gift cards may never be treated like cash and lost or stolen cards cannot be replaced.