Warriors & Quiet Waters Foundation (“WQW”)is a nonprofit organization established under the laws of the State of Montana and is tax-exempt under Section 501(c)(3) of the Internal Revenue Code. WQW solicits and accepts gifts to further and fulfill its mission to serve as a catalyst for positive change in the lives of post-9/11 combat veterans and their loved ones. In order to support its continued operation, WQW assesses fees on gifts, non-charitable income, and its endowment.

This Fee Administration Policy governs the administration of WQW fees and is approved by the WQW Board of Directors.

1. DEFINITIONS

1.1 Deferred Gift: A gift in trust or through a charitable gift annuity made in exchange for lifetime income to the donor or others. A deferred gift may also be a gift of a home, ranch, or other real property where the donor has retained a lifetime right to continue to occupy the premises. Upon termination of the trust or annuity contract, the assets are available for the purpose specified by the donor as agreed to by WQW.

1.2 Invested Gifts: The original monetary value, but not the asset type, of all donor gifts contributed to WQW’s endowment or a quasi-endowment. Invested gifts do not include investment earnings.

1.3 Reinvested Earnings: Reinvested Earnings: Accumulated investment earnings or losses on Invested Gifts net of fees and the annual spending allocation.

2. GIFT FEE

2.1 QW assesses a one-time gift fee of five percent (5%) (“gift fee”) on all gifts received regardless of the restricted purpose of the gift designated by its donor or whether the gift is for current use or for investment in the endowment.

2.2 For cash gifts and grants, the gift fee is assessed and recorded immediately in the month the gift is received and shall be deducted from the value of the gift or grant.

2.2.1 The gift fee will not be assessed on grant funds if a grantor’s policies (in effect at the time the grant is awarded) publicly and clearly state that administrative fees cannot be assessed.

2.3 For non-cash gifts such as stock, insurance policies, real estate, art and other tangible personal property, the gift fee is assessed and recorded in the month the gift is liquidated, at which time the gift fee shall be deducted from the proceeds of liquidation.

2.3.1 If WQW chooses to not liquidate a non-cash gift, the gift fee will not be assessed unless or until WQW does liquidate the non-cash gift.

2.4 Deferred Gifts are not assessed the gift fee until these gifts come to WQW as cash or non cash gifts; at that time, Section 2.2 or 2.3 applies.

2.5 A gift fee waiver may only be granted at the discretion and written authorization of the WQW Board of Directors.

3. ENDOWMENT MANAGEMENT FEE

3.1 An annual 1.9% endowment management fee is charged on all funds held in WQW’s endowments, including quasi endowments.

3.2 The endowment management fee is deducted from the Reinvested Earnings for each fund at the beginning of the third fiscal quarter of each year, regardless of whether Reinvested Earnings are positive or negative.

3.3 An endowment management fee waiver can only be granted at the discretion and written authorization of the WQW Board of Directors.

4. DEFERRED GIFTS

4.1 Deferred gifts such as charitable remainder trusts and charitable gift annuities are only assessed administration and management fees charged by outside investment management firms. Fees related to trust accounting and required reporting may also be allocated to the trust during the trust term. Trust fees are applied to principal and earnings based on the trust documents or, if no split is indicated, the trust fees shall default to being split 50/50 between principal and earnings as per Montana state law.

Effective Date: December 17, 2021

Warriors & Quiet Waters Foundation (“WQW”) is committed to safeguarding your privacy online. This privacy notice discloses the privacy practices that WQW uses in association with its website www.warriorsandquietwaters.org (the “Website”). This privacy notice applies solely to information collected by the Website and will notify you of the following: (I) What personally identifiable information is collected from you through the Website, how such information is used, and with whom such information may be shared; (II) What choices are available to you regarding the use of your personal information; and (III) What security procedures WQW has in place to protect against the misuse of your information. By using the Website or submitting personal information to WQW, you consent to the terms of this PrivacyPolicy.

I. INFORMATION COLLECTION, USE AND SHARING

WQW collects personally identifiable information that you voluntarily give WQW through the use of the Website, social media, advertising, or through email(collectively, “Personally Identifiable Information”). Examples of such information can include, but is not limited to, information provided by you in making a donation through the Website, information provided by you in making a purchase through the Website, and information provided by you in email correspondence with WQW.

WQW may also collect non-personally identifiable information, such as your computer’s IP address, through technical means. An IP address is often associated with the portal through which you enter the Internet. WQW automatically gathers, or aggregates, certain usage information, such as the number and frequency of visitors to our website, the length of stay, and other anonymous data, such as topics discussed and areas of importance to users. This data helps us determine usage levels on different parts of our Website, and other useful statistics. We may use such information to analyze site usage for research, internal record keeping, and service improvement purposes. In addition, we may aggregate such data and disclose it in a non-personally identifiable manner to donors, sponsors, supporters, and other third parties, to generate support for WQW, its mission and its services, or as required by law. In these situations, we do not disclose any information that could be used to identify you personally.

WQW will use your information to process any donations and purchases, and to respond to you, and to fulfill the objectives for which WQW reasonably believes the information was given. WQW will not sell the information that you provide to WQW to third parties. WQW may share your information with the third party vendors of our organization in order to fulfill the purpose for which the information was given such as WQW sharing your information with its credit card processing vendor to complete your donation or purchase. As of the effective date, WQW uses Classy, Inc. (“Classy”) to manage WQW’s payment processing services. A copy of Classy’s Privacy Policy can be found at the following website address: https://www.classy.org/terms/p....

Outside of WQW’s normal business practices, WQW may be required to disclose your personal information to the government or other legal or regulatory authorities (i) if so ordered by a court of law, or (ii) for other legal reasons, such as (a) to comply with legal process such as a search warrant, subpoena or court order; (b) to protect WQW’s rights and property; (c) to protect against misuse or unauthorized use of the Website; or (e) in emergencies, such as when we believe someone’s physical safety is at risk. In some cases, disclosure may be required by law to be without notice to you.

In addition to the foregoing WQW may retain your name and contact information (physical address, mailing address, phone number, and email address) to be added to its donor database which is used exclusively by WQW to provide past donors and shop customers with updates regarding WQW’s events and campaigns.

II. COOKIES AND HOW WE USE THEM

In general, a “cookie” is a small piece of text data stored on a user’s computer by a website, in order to give that computer a unique identity to the website while performing certain processes, such as filling an online shopping cart and checking out, or calculating the number of unique visitors at a given time. Cookies may contain personal information, like email addresses, usernames, or passwords, or completely anonymous information, like a randomly generated number. They may be deleted once a user leaves the site, leaves a section of the site, or closes the browser; or they may remain, so that the website “remembers” the user when he or she next visits.

The Website uses two session ID cookies. The first is used to measure the amount of overall traffic on our website; we use this data only in the aggregate, meaning no individual user can be identified from the data. This cookie is in no way linked to Personally Identifiable Information and is deleted from the user’s computer when the user closes his or her browser. The second session ID cookie is only used when a user is making a donation, purchasing merchandise, or completing a form. This cookie carries a user’s form entries from one page to another and is deleted once the user leaves the relevant section of the Website(unless the user explicitly chooses to remember it for future visits). We do not use permanent cookies, which retain information past a user’s current visit.

III. CHOICES YOU HAVE REGARDING YOUR INFORMATION

You can do the following at any time by contacting WQW via email at info@wqwf.org:

1. See what data WQW may have about you, if any.
2. Change and correct any data WQW may have about you.
3. Have WQW delete any data WQW may have about you
4. Express any concern you have about our use of your data.

WQW will require a reasonable time to respond to any request made.

IV. WQW’SPOLICY TOWARD MINORS

We are concerned about the safety and privacy of children who use the Internet. Consistent with the Children’s Online Privacy Protection Act of 1998, we will never knowingly request Personally Identifiable Information from anyone under the age of 13 without prior verifiable parental consent. If we become aware that a child under 13 has provided us with Personally Identifiable Information through the Sites without verifiable parental consent, we will use our best efforts to remove such information from our files. If a parent or guardian becomes aware that his or her child has provided us with Personally Identifiable Information through the Sites without verifiable parental consent, he or she should contact our Privacy Coordinator at info@wqwf.org.

V. SECURITY

WQW takes precautions to protect your information both online and offline. You can verify the secure transmittal of your information on the Website by looking for a closed lock icon on your web browser prior to transmitting any information. This icon is typically located on your web browser where the webpage address is listed or in the bottom right or left-hand corners of the web browser.

WQW also takes reasonable steps to protect your information offline. Only employees and third party vendors retained by WQW who need your information to perform specific job tasks such as billing will be granted access to your personally identifiable information. The computers and servers in which WQW stores your information are also kept in a secure environment.

If for any reason you feel that WQWis not abiding by this privacy policy, please contact WQW immediately.

Effective Date: July 29, 2021