Win a $100 Prepaid Credit Card 2018 Collabria Fall Campaign Contest Rules ***

1 CONTEST TIMELINE The contest is held by Collabria Financial Services Inc., and runs on October 15, 2018, 12:00:00 AM (ET) and ends on November 15, 2018, 11:59:59 PM (ET) (“Contest Period”). All time references in these Rules refer to Eastern Daylight Time.

One (1) random draw (“Draw”) per Affiliate for the Prize will be held at Collabria Financial Services Inc. (280-1414 8th Street S.W., Calgary, AB, T2R 1J6) on November 16, 2018 by a Contest Sponsor’s representative, in the presence of witnesses.

2 Sponsor and Administrator The Contest is sponsored and administered by Collabria Financial Services Inc. (“Contest Sponsor”).

3 ELIGIBILITY The Contest is open only to legal residents of Canada (excluding Québec) who are eighteen (18) years of age or older (or the legal age of majority in their province of legal residence) as of October 15, 2018, 12:00:00 AM (ET).

4 WHO ARE NOT ELIGIBLE TO ENTER THE CONTEST? Residents of the province of Québec, as well as Collabria Financial Services Inc., , or Desjardins employees: directors, officers and representatives of Desjardins Financial Group, of La Fédération des caisses populaires de l’Ontario Inc., their member caisses, subsidiaries and any other Desjardins Financial Group entity, their suppliers of materials and services related to this promotion and any other agent directly linked to this Contest, and all other persons with whom these employees, directors, officers and representatives live are NOT eligible to participate.

p.1 You are NOT eligible to enter/win the contest if you are currently a director of a Credit Union Affiliate; or the spouse/common-law partner of a director of a Credit Union Affiliate. An employee of a Credit Union Affiliate; or the spouse/common-law partner of an employee of a Credit Union Affiliate.

5 HOW TO ENTER

5.1 Affiliated Credit Union To enter, during the Contest Period, entrants must submit their contest Entry through their respective credit union. Here is the list of Credit Union Affiliates for the Collabria Fall Campaign Contest:

1. Acadian Credit Union 35. 2. Aldergrove Credit Union 36. Kindred Credit Union 3. Alterna CU 37. Kingston Community Credit Union 4. Bay Credit Union 38. Libro CU - National Program 5. Bayview Credit Union 39. Mainstreet Credit Union 6. Beaubear Credit Union Limited 40. Malpeque Bay Credit Union 7. Blackville Credit Union Ltd. 41. New Brunswick Teachers Association 8. Cape Breton Credit Union Credit Union Limited (NBTA) 9. Coastal Community Credit Union 42. New Ross Credit Union 10. Community Credit Union (CCUNL) 43. New Waterford Credit Union 11. Community Credit Union of 44. Newfoundland and Labrador Cumberland Colchester Limited 45. North Peace Savings & Credit Union 12. Community First Credit Union 46. North Sydney Credit Union Ltd. 13. Community Savings Credit Union 47. Omista Credit Union 14. Comtech Fire Credit Union 48. Progressive Credit Union Limited 15. Consolidated Credit Union 49. Provincial Credit Union 16. CP Clare 50. Provincial Government Employees 17. Credit Union Atlantic Credit Union 18. DUCA 51. Public Service Credit Union 19. Eagle River Credit Union 52. Rapport CU 20. Eastern Edge Credit Union Limited 53. Reddy Kilowatt Credit Union 21. East Coast Credit Union 54. SASCU 22. Education Credit Union 55. Sharons Credit Union 23. Enderby and District Financial 56. Souris Credit Union Ltd. 24. 57. St. Joseph's Credit Union 25. Evangeline Central Credit Union Ltd. 58. Sudbury Credit Union Limited 26. Firstontario Credit Union 59. Summerland & District Credit Union 27. Frontline Financial Credit Union 60. Sunshine Coast Credit Union 28. Glace Bay Central Credit Union 61. Sydney Credit Union 29. Hamilton Sound Credit Union 62. Teachers Plus Credit Union 30. Healthcare and Municipal Employees' 63. The Credit Union Ltd. Credit Union 64. The Energy Credit Union 31. Heritage Credit Union 65. The Police Credit Union 32. iNova Credit Union Ltd. 66. Tignish Credit Union Ltd. 33. Integris Credit Union 67. Ukrainian Credit Union Limited 34. Interior Savings Credit Union 68. Union Bay Credit Union

p.2 69. Valley Credit Union 73. Venture Credit Union 70. Credit Union 74. Victory Credit Union 71. Vancouver Fire Fighters CU 75. Williams Lake and District Credit Union 72. Vantageone Credit Union 76. Your Neighbourhood Credit Union 5.2 Contest Mechanics To enter during the Contest Period, entrants must willingly submit selected personal information utilized to select and verify potential contest winners. Information including, “First Name”, “Last Name”, “Email Address”, “City”, “Province” and “Phone Number” at Contest Page hosted and administered by Collabria Financial Services Inc. (“Entry”). Limit of one (1) Entry per Entrant during the Contest Period. The odds of winning a prize depend on the number of Entries received in the respective credit union during the Contest Period. All Entries must be submitted during the Contest Period in order to be eligible to win a Prize. The timestamp on the Contest submission will be the official timekeeper for the Contest. Entries must not contain profane, libelous or otherwise derogatory language. Please do not engage in spamming or phishing or send messages to unauthorized or unknown recipients. The Contest Sponsor reserves the right to disqualify any Entry on that basis at their discretion. Subsequent Entries by the same Entrant will be void. Entrants may not attempt to share IP addresses, nor enter with multiple accounts, identities, logins or registrations, nor may Entrants use any other device or artifice to enter multiple times. Any Entrant who benefits from or is suspected of cheating, including but not limited to using fraudulent entry methods, spamming, phishing, entering through a contest-entry service or similar methods, or submitting Entries generated by an automated program, bot, script, robotic, macro or any other similar device, will be disqualified. Sponsor reserves the right, at their reasonable discretion, to refuse, disqualify, or withdraw any Entry and/or Entrant at any time during or after the Contest. If disqualification results after Prize award, Prize must be returned in full immediately upon request of Sponsor. Depending on the Entry method used, data and message rates may apply. Other charges may also apply; check your mobile plan for rates/details. The Contest Sponsor is not responsible for late, lost, incomplete, illegible, damaged, invalid, unintelligible, technically corrupted, garbled or misdirected Entries, which will be disqualified, or for any failure to capture Entries, or problems of any kind whether mechanical, human or electronic. The Potential winner is subject to determination of eligibility and verification before any Prize will be awarded.

6 PRIZE

6.1 Prize Description There will be one (1) prize awarded during the Contest (the “Prize”) per each participating Credit Union Affiliate consisting of one (1) $100 prepaid credit card. The prize will be fulfilled as either a $100 prepaid Mastercard or $100 prepaid VISA (choice of Mastercard or Visa will be of each Credit Union’s choosing). A total of seventy six (76) $100 prepaid credit cards will be awarded (one per Credit Union Affiliate).

p.3 6.2 Prize Terms and Conditions Prizes must be accepted as awarded and cannot be exchanged. No transfer, assignment or substitution of Prize (in whole or in part), except Sponsors reserve the absolute right to substitute a Prize of comparable value. All federal, provincial and local taxes, if any, are the sole responsibility of each winner. Any Prize pictured in advertising or promotional materials is for illustrative purposes only and may not be the actual Prize awarded. The Prize winner will receive no further compensation or credit for use of their Entry other than awarding of the Prize. The Contest Sponsor shall have no further obligation to the Prize winner and their Entry other than that outlined in these Rules. Allow six (6) to eight (8) weeks for delivery of all Prizes from the time entrant is declared the winner. Prizes are not transferable, non-negotiable, non-refundable.

7 WINNER DECLARATION AND AWARDING

7.1 Prize Notification At the end of the Contest Period, the Contest Sponsor will compile a list of every person entered in each Credit Union Affiliate. Randomly generating a number (from 1-X number of people who submitted an entry) and will determine the potential Prize winner in each Credit Union Affiliate using a random draw. Contest Sponsor will do due diligence – check that every randomly selected potential winner complies with the legal rules and regulations – to confirm they are a suitable winner. Contest Sponsor or its authorized representatives will notify the selected potential winner through an email and a phone call, and do further follow up via email to ensure they correctly answer a mathematical skill-testing question. If for some reason selected potential winner does not fit the criteria, Contest Sponsor will select another random potential winner and repeat the same process. To remain eligible to win, the Potential Prize winner must respond to Contest Sponsor by replying to Sponsor’s email or phone call within 72 hours with the information requested for Prize fulfillment purposes. If the potential Prize winner does not respond to the notification by the stated date and time, that Entrant will be disqualified and will forfeit their right to the Prize. In such case, an alternate potential Prize winner will be randomly selected in the same process. The Contest Sponsor is not responsible for incorrect and/or outdated contact information provided on an Entry or by a potential winner, or for late, lost, incomplete, illegible, damaged or misdirected communications during the notification process. Only the Prize stated herein will be awarded. In no event will the Contest Sponsor be responsible for awarding more than the stated number of Prizes. In the event that technological, programming, or other errors cause more than the stated number of Prizes, as indicated in these Rules, to be sent as notifications, distributed, claimed or received for any Prize, Contest Sponsor reserves the right, at its sole discretion, to award only the Prize stated herein by random drawing among all eligible non-suspect claimants. Prize awards are subject to verification of eligibility, and compliance with these Rules.

p.4 7.2 Declaration and Release of Winner A potential winner is not a Prize Winner unless and until potential winner’s eligibility has been verified and potential winner has been notified that verification is complete and any necessary documentation has been properly submitted to Contest Sponsor or its authorized representatives. In order to be declared a Contest winner and receive a Prize, the potential winner must meet the following conditions: a) verify all contest eligibility requirements and be in full compliance with the Rules; and b) sign and return a winner waiver provided by Contest Sponsor and return to Sponsor within 5 business days; and c) accept the Prize as awarded. The Contest Sponsor reserves the right to request proof of identification, in the form of government-issued ID to confirm that eligibility requirements have been met. Failure to meet these conditions will result in potential Prize winner being disqualified and forfeiture of the Prize. In such case, the Contest Sponsor shall be fully and completely released and discharged from any liability or responsibility in this regard, and the Entrant shall have no recourse against the Contest Sponsor, or anyone else involved with the Contest. Further, a subsequent potential Prize winner will be selected using this same process set out in clauses 7.1 and 7.2 hereof until a Contest winner has been declared. The Contest Sponsor’s decisions are final on all matters relating to this Contest. Acceptance of a Prize constitutes permission for Contest Sponsor and their agencies to use the winner's persona, name, biographical information, opinions, voice, photograph and/or likeness for advertising and promotional purposes in any and all media now known or hereinafter developed throughout Canada in perpetuity, without additional compensation, review, notification or permission, unless prohibited by law. Once a Contest winner has been declared, the first name, initial of last name, and city of residence of the respective winner may be published on Collabria Financial Services Inc.’s website and social media channels, as well as the Credit Union’s website and social media channels.

7.3 Prize Fulfillment The Prize will be delivered to the Contest winner through registered mail or courier service. Allow up to 6 – 8 weeks for delivery of all Prizes from the time entrant is declared the winner. Since prizes will be awarded via mail services, the contest organizers are not responsible for delays in delivery, loss or theft of a prize. In the event that the prize is refused, the Contest Sponsor would be freed of any obligation and could cancel this prize, and proceed to select a new winner respecting the same process previously mentioned.

8 INTELLECTUAL PROPERTY All Entrants acknowledge and agree that by entering the Contest, Entries are submitted on a non-confidential basis. Entrants further grant the Sponsor, its respective affiliates and agents (collectively “Licensees”) a non-exclusive, worldwide, perpetual, irrevocable, royalty-free, sub-licensable right to use, modify, edit, adapt, publish, translate, create derivative works from and, distribute the Entries into any form, medium or technology. The foregoing shall include the right, to use them or parts thereof for any advertising,

p.5 promotional and/or recruiting purposes. Licensees shall not be required to designate Entrants as the creators of Entries submitted in the Contest. Entries and all information contained therein become the property of the Contest Sponsor once submitted and will not be returned.

Any form of plagiarism will result in automatic disqualification. Submitting modified copyrighted material to this Contest may disqualify the Entry, at the sole discretion of the Contest Sponsor.

9 INDEMNIFICATION The Contest winner agrees, by accepting the Prize, and each Entrant agrees, by entering or participating in the Contest, to release, discharge, indemnify and hold harmless the Contest Sponsor, and their parent companies, subsidiaries, affiliates, distributors, retailers, web development companies, advertising and promotional agencies, Twitter, Facebook, Prize suppliers and any other individuals or legal entities participating in the design, administration or fulfillment of this Contest and their respective officers, directors, employees and agents (collectively “Released Parties”) from and against any and all liability for any threatened or actual injuries, loss, or damage of any kind to person, including death or disability, and property, arising in whole or in part, directly or indirectly, from participation in this Contest or acceptance, possession, use, or misuse of a Prize, participation in any Contest-related activity or inability to participate in parts thereof including, without limitation, claims, suits, injuries, losses and damages related to personal injuries, death, damage to or destruction of property, intellectual property infringement, violation of the rights of publicity or privacy, defamation or portrayal in a false light (whether intentional or unintentional), whether under a theory of contract, tort (including negligence), warranty or other theory, and whether or not caused in whole or in part by the negligence of one or more of the Released Parties. Entrants covenant not to sue any Released Party or cause them to be sued regarding any matter released above; and further covenant not to disaffirm, limit, or rescind this release. A waiver by one or more of the Contest Sponsor of any term in these Rules does not constitute a waiver of any other provision. This promotion is in no way sponsored, endorsed or administered by, or associated with, Twitter or Facebook. Entrants are providing their information to Collabria Financial Services Inc. (the Contest Sponsor) and not to Twitter or Facebook. By participating in this promotion each Entrant agrees to a complete release of Twitter or Facebook from any claims.

10 LIMITATION OF LIABILITY In no event will the Released Parties be responsible or liable for any damages or losses of any kind, including indirect, incidental, consequential, or punitive damages arising out of this Contest, including any damages arising out of any Entrant’s access to and use of

p.6 web browser, email client, Twitter or Facebook. Without limiting the foregoing, except for any standard warranty that may be provided by the manufacturer of a Prize to the winner, if any, Contest Sponsor has not made, and is not responsible in any manner for, any warranties, representations or guarantees, express or implied, in fact or law, relating to any Prize, including but not limited to, mechanical condition, merchantability, fitness for a particular purpose, or non-infringement. The Contest Sponsor shall not be liable for any problems, errors or negligence that may arise or occur in connection with the Contest. The Contest Sponsor accepts no responsibility for loss, damage or claims caused by or resulting from the Contest or acceptance of a Prize. The Contest Sponsor will not be responsible for late, lost, illegible, and incomplete, falsified, tampered with, altered or destroyed Entries and all such Entries are void. In the event it is determined that an Entrant has entered in a fashion not sanctioned by these Rules, the Entrant will be disqualified and all of the Entries submitted by the Entrant will be void. The Contest Sponsor will not be liable, and do not assume any responsibility, for incorrect or inaccurate capture of entry information, technical malfunctions, human or technical error, printing errors, lost, delayed or garbled data or transmissions, omission, interruption, deletion, defect or failures of any telephone or computer lines or networks, computer equipment, software or any combination thereof. If for any reason the Contest is not capable of running as planned, including infection by computer virus, bugs, tampering, unauthorized intervention, fraud, cheating, technical failures, or any other causes, technological or otherwise, which corrupt, disrupt or otherwise affect the administration, security, fairness, integrity, or proper conduct of this Contest, Contest Sponsor reserves the right in its sole discretion to cancel, terminate, modify or suspend any and all aspects of the Contest, and Contest Sponsor reserves the right, but not the obligation, to select the winner from eligible Entries received prior to the date of such action, or as otherwise deemed equitable by Contest Sponsor. Contest Sponsor further reserves the right to disqualify any individual it suspects, in its sole discretion, to be tampering with the entry process or the operation of the Contest, to be cheating, or acting in a non-sportsmanlike or disruptive manner.

11 INTERNET SPONSORS Internet Sponsors are not responsible for electronic transmission errors resulting in omission, interruption, deletion, defect, delay in operations or transmission, theft or destruction or unauthorized access to or alterations of Entry materials, or for technical, network, telephone equipment, electronic, computer, hardware or software malfunctions or limitations of any kind, or inaccurate transmissions of or failure to receive information by Internet Sponsor on account of technical problems or traffic congestion on the Internet or at any website or any combination thereof.

12 PRIVACY Neither the Contest Sponsor nor its affiliates will use or disclose Entrants’ personal information except for the purpose of administering the Contest and as otherwise

p.7 expressly set out in the Rules. The Contest Sponsor will not attempt to contact an Entrant for any other purpose than to administer the Contest unless the Entrant has opted-in to receive relevant product-related email communications from the Contest Sponsor. Terms and conditions of the Win a $100 Prepaid Credit Card 2018 Collabria Fall Campaign Contest are available by calling 1-844-283-1414 or emailing [email protected] to request a printed copy be mailed to you. The Contest Sponsor respect the privacy of everyone who enters the Contest. Please read the Collabria Financial Services Inc. Privacy Policy carefully to understand how personal information is collected, used and disclosed. The Privacy Policy can be found here: https://www.collabriafinancial.ca/webres/file/privacypolicy.pdf.

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