2026 TFSA SURPRISE MATCH CONTEST

EDUCATORS FINANCIAL GROUP
2026 TFSA SURPRISE MATCH CONTEST (THE “CONTEST”)
CONTEST RULES

Educators Financial Group will match new deposits, up to a maximum of $1,500 (“Match Amount”), into a new or existing TFSA during the Contest Period, for 1 lucky client.

1. Contest Period

No purchase necessary. The Contest runs from July 1, 2026 to September 30, 2026 (the “Contest Period”). This Contest is managed by Educators Financial Group Inc. (“Educators” or the “Sponsor”). All amounts in these rules refer to Canadian dollars.

2. Eligibility

To be eligible for the Contest, a person must (1) be either an active or retired member of the education community (defined at the end of this paragraph) in Ontario, or their family members, (2) be a resident of Ontario or British Columbia, (3) have reached the age of majority in their province of residence by January 1, 2026 and (4) not be an employee, representative or agent of, or domiciled with an employee, representative or agent of, Educators, its affiliates, marketing and advertising agencies, or suppliers. This offer cannot be combined with any other offers.

A member of the education community is someone who is employed by an educational institution which includes staff of a board of education, a university, a college, a private educational facility, an education consortium or affiliate (including the Ontario Secondary School Teachers’ Federation and other education unions).

3. How To Enter

To receive an entry into the Contest, you must set up a new, monthly pre-authorized contribution (“PAC”) of at least $100 in an Educators Tax-Free Savings Account (“TFSA” or “Account”), which must remain active on the account for a minimum of twelve (12) months.

Once the PAC is set up, the funds must stay in the account for a minimum of twelve (12) months.

If an existing Educators TFSA is already funded by a PAC, additional monthly contributions of at least $100 must be made to the TFSA for a minimum of twelve (12) months.

If you are not an Educators client or do not have an existing TFSA, you must complete and submit the documentation required to open a new TFSA with Educators during the Contest Period before setting up a PAC.

No purchase necessary method of entry. To receive an entry into the Contest, prepare and send an original, legible hand-written essay of 500 words or more about the benefits of pre-authorized contributions and send the essay along with your name, complete address and daytime phone number to:

2026 TFSA Surprise Match Contest
2225 Sheppard Avenue E., Suite 1105
Toronto, Ontario, M2J 5C2

Essays must be postmarked no later than September 30, 2026. Mail-In Requests become the property of the Sponsor and will not be acknowledged or returned. If an eligible Mail-in Request is received, the applicable eligible entrant that submitted such Mail-in Request will be provided with one (1) entry.

Documentation for the required Account must be submitted to an Educators Financial Specialist in person, by fax, by mail, or by email during the Contest Period. Documents that are sent by mail must be postmarked no later than September 30, 2026. If no investment instructions are provided with your documentation, then your deposit will be placed in the Educators Financial Group Money Market Fund as detailed in our Simplified Prospectus. If for any reason your transaction cannot be completed by September 30, 2026, you will no longer be eligible to be entered into the draw. Each eligible entrant who submits an essay that meets the requirements set out in section 2 above will be automatically entered into the draw.

If an eligible entrant that submits an essay is drawn as a winner, they must meet the requirements set out in section 2, if they do not already have a TFSA through Educators Financial Group.

There is a limit of one (1) entry per individual regardless of the method of entry.

4. Prize

There is one (1) prize consisting of up to a maximum value of $1,500 available to be won. The value of the prize will be calculated based on the net amount of lump sum and recurring contributions (“Eligible Contribution”) made into the TFSA during the Contest Period. Funds transferred from one account held with Educators into the TFSA will not be included when calculating the Eligible Contribution. Funds transferred to Educators from other Financial Institutions will be included as an Eligible Contribution.

The prize will be deposited into the winner’s TFSA to increase their returns. If the winner does not have available contribution room in their TFSA, the prize will be paid in cash.

In the event an eligible entrant who entered the Contest under the “No purchase necessary method of entry” outlined in section 2 is declared a winner, the prize will be $500 deposited into their TFSA. If the winner does not have a TFSA, they will be awarded $500 in cash.

The winner shall be solely responsible for paying any taxes that may be incurred by the prize, thereby fully exonerating the Sponsor and its agents.

5. Contest Draw

One (1) winner will be randomly selected through a computerized draw. The draw will be held on November 27, 2026, before 3:00 p.m., in the presence of witnesses, in the offices of the Sponsor in Toronto, Ontario.

The odds of winning depend on the number of eligible entries received during the Contest Period.

6. General Conditions

To be declared winners, the selected persons must:

• Be reached by the Sponsor by email within twenty (5) business days of the draw.
• Confirm that they meet the eligibility and other requirements set forth in these contest rules.
• Correctly answer the mathematical skill-testing question without assistance and within a limited time.
• Sign the liability release and publicity release forms and return it to the Sponsor within ten (10) business days of receipt.

Should the selected entrant fail to meet the above-mentioned terms or any other condition herein, the entrant will be disqualified, and at the Sponsor’s discretion, the prize will be cancelled, or a new draw will be held for the prize, in accordance with these contest rules, until a Participant is selected and declared the winner. In such a case, the same terms and conditions will apply and be adapted as necessary. After December 31, 2026, all prize claims shall be null, and void and no more prizes will be awarded.

If it is discovered by the Sponsor (using any evidence or other information made available to or otherwise discovered by the Sponsor) that any person has attempted to: (i) exceed any of the limits stated in these Contest Rules; and/or (ii) use multiple names, identities or email addresses to enter or otherwise participate in or to disrupt this Contest; then he/she may be disqualified from the Contest in the sole and absolute discretion of the Sponsor. An entry may be rejected if (in the sole and absolute discretion of the Sponsor) it is not fully completed with all required information and received in accordance with these Contest Rules. The Released Parties (defined below) are not responsible for late, lost, misdirected, delayed, incomplete, illegible or incompatible Contest-related information (which is void). All entries and entrants are subject to verification at any time and for any reason. The Sponsor reserves the right, in its sole and absolute discretion, to require proof of identity and/or eligibility (in a form acceptable to the Sponsor – including, without limitation, government-issued photo identification): (i) for the purposes of verifying an individual’s eligibility to participate in this Contest; (ii) for the purposes of verifying the eligibility and/or legitimacy of any Contest-related information submitted or received (or purportedly submitted or received) for the purposes of this Contest; and/or (iii) for any other reason the Sponsor deems necessary, in its sole and absolute discretion, for the purposes of administering this Contest in accordance with these Contest Rules. Failure to provide such proof to the complete satisfaction of the Sponsor within the timeline specified by the Sponsor may result in disqualification in the sole and absolute discretion of the Sponsor.

Prize must be accepted as awarded and are not transferable or substitutable and will be awarded to the winner only.

Sponsor reserves the right to substitute a prize with one of equal or greater value and to cancel, suspend, modify or amend the Contest without prior notice at any time and for any reason. Sponsor reserves the right, in its sole discretion, to disqualify any individual who tampers with, or attempts to tamper with, the entry process or violates any of the Contest Rules. Any attempt to undermine the legitimate operation of the Contest is a violation of criminal and civil laws and should such an attempt be made, Sponsor reserves the right, in its sole discretion, to seek damages or other remedies from any such person(s) responsible to the fullest extent permitted by law.

Sponsor and its agents are not responsible for any printing, distribution, production, or other errors and may terminate or withdraw the Contest without liability and at their sole discretion. In no event will more than the number and type of prize listed in these rules be awarded.

The Sponsor is not responsible for incomplete, misdirected, late, lost, stolen, illegible, tampered, altered, or destroyed essay entries.

By participating in the Contest, you agree and acknowledge that Educators and the Ontario Secondary School Teachers Federation, their affiliates and advertising and contests agencies, and each of their respective employees, officers, shareholders, representatives, directors, and agents (collectively ‘Releasees’) are not responsible for and shall not be liable for any injury or other damage to person or property of any kind or any other liability arising from participation in the Contest or use or misuse of a prize. Participants assume all liability for any injury or damage caused, or claimed to be caused, directly or indirectly, in whole or in part, relating to this Contest or receipt, use, or misuse of a prize.

All entries become the property of Educators Financial Group. The winner, by entering the Contest, consents to the use of their names, city of residence, comments, photographs, images, and/or likenesses, without compensation, in any publicity carried out by Educators in connection with this Contest.

Personal data gathered by Educators will be used to administer this Contest and as otherwise permitted or required by law. No further informational or marketing communications will be received by entrants unless entrants provide explicit permission to do so. Please see Educators’ Privacy Policy at educatorsfinancialgroup.ca/privacy for information on its policy towards maintaining the privacy and security of your information.

For a Winner’s List, send a self-addressed stamped envelope with a request to 2026 TFSA Surprise Match Contest, Educators Financial Group, 2225 Sheppard Avenue E., Suite 1105, Toronto, Ontario, M2J 5C2.

All decisions of the Sponsor are final and binding on all entrants and without appeal.

The Contest and the Contest Rules will be exclusively governed and construed in accordance with the laws of the province of Ontario. Any dispute arising hereunder shall be governed by the laws of Ontario and shall be adjudicated in the applicable court in Toronto, Ontario.