THE COLLABRIA RCU MASTERCARD WINTER CONTEST (THE “CONTEST”)

FULL CONTEST RULES AND REGULATIONS (THE “CONTEST RULES”):

This promotion applies to approved applications for Revelstoke Credit Union Collabria Mastercard products; CENTRA GOLD MASTERCARD®, TRAVEL REWARDS GOLD MASTERCARD®, US DOLLAR MASTERCARD®, WORLD MASTERCARD®, LOW-RATE BUSINESS MASTERCARD®, PLATINUM BUSINESS MASTERCARD®.

This promotion DOES NOT INCLUDE these cards; NO FEE CASH BACK BUSINESS MASTERCARD®, CASH BACK MASTERCARD®, CLASSIC MASTERCARD®.

CONTEST OVERVIEW: The Collabria Winter Contest (the “Contest”) is sponsored by Collabria Financial Services Inc. (the “Sponsor”). The Contest runs from November 1st, 2021 at 9:00 a.m. Pacific Time (“PT”) to April 30, 2022 at 11:59:59 p.m. PT (the “Contest Period”) and is subject to these official Contest Rules. Revelstoke Credit Union has partnered with Collabria Financial Services Inc. (“Collabria Partner”) accepted the opportunity to participate in this campaign on behalf of their respective cardholders.

THERE IS NO PURCHASE NECESSARY TO ENTER OR WIN.

1. ELIGIBILITY:

   The Contest is open to individuals who: (i) have applied for a fee based Collabria Mastercard product, and (ii) have reached the age of majority in British Columbia at the time of entry. Notwithstanding the above, the contest is not open to officers, directors, employees, representatives, agents (and those with whom such persons are domiciled whether related or not) of Collabria Financial Services Inc. (the “Sponsor”), the credit union, and each of their respective parent companies, related companies, affiliates, distributors, subsidiaries, and advertising/promotion agencies (collectively, the “Contest Parties”) are not eligible to participate in the Contest. This Contest is subject to all applicable federal, provincial, and local laws and regulations.

2. PRIZES:

   Prizes: There are three (3) Prizes, to be give away by the credit union. The cash value of each Grand Prize is $600. The first of three Prize draws will take place on December 17, 2021 at 4:00

   p.m. PT. The second draw on February 11, 2022 and third draw on May 3, 2022 at 4:00 p.m. PT. The odds of winning one of the Prizes will depend on the number of eligible entries accumulated during the Contest Period.

   Each winner will be selected from eligible entries received up t o e a c h dr a w da t e during the Contest Period: November1, 2021 to April 30, 2022. Without limiting the generality of the foregoing, Prizes must be accepted as awarded, are not transferable, assignable, or convertible to cash.

   Draw Prize One winner is not eligible for Draw prizes two or three. Draw Prize Two winner is not eligible for Draw prize three.

3. HOW TO ENTER:

   1. Upon your approval for a Collabria fee-based consumer or business credit card account (Centra Gold, World, Travel Rewards Gold, World, Low Fee Business, Platinum Business and US Dollar card products only), will automatically receive one (1) Contest entry into the draw for the 3 Prizes (one of three iPad minis supplied by Collabria Financial during the Contest Period. Those credit cards must be issued to an identifiable end user from an RCU account during the Contest Period.

      Opt-Out: If an eligible Collabria RCU Mastercard account holder does not wish to be entered into this Contest, they may opt out from participation by February 11, 2022 by calling 250-837- 6291 extension-263 or sending an email.

      One entry per cardholder account approval is permitted. All entries become the property of Sponsor and will not be acknowledged or returned. The decisionsof the Sponsor with respect to all aspects of this Contest are final and binding on all entrants without right of appeal, including, without limitation, any decisions regarding the approvals of accounts and entries. The Released Parties (defined below) are not responsible for lost, incomplete, illegible, late, misdirected, stolen, postage-due or mutilated automatic entries or mail-in entries; any error, omission, interruption, defect or delay in transmission or communication; technical or mechanical malfunctions; failures or malfunctions of phones, phone lines or telephone systems; interrupted or unavailable cable or satellite systems; errors in these Rules, in any Contest-related advertisements or other materials; failures of electronic equipment, computer hardware or software, or inaccurate entry information, whether caused by equipment, programming used in this Contest, human processing error or otherwise.

      All eligible entries are subject to verification at any time. The Sponsor reserves the right, in its sole discretion, to require proof of identity and/or eligibility (in a form acceptable to the Sponsor

      – including, without limitation, government issued photo identification) to participate in this Contest. Failure to provide such proof to the satisfaction of the Sponsor within five (5) business days may result in disqualification. The sole determinant of the time for the purposes of a valid entry in this Contest will be the Sponsor’s official clock.

      Entrant Privacy: A written consent will be requested from a potential winner who entered the contest automatically to validate the approval of their account before being officially designated as a winner and failure to provide such consent or failure to show the required approval will disqualify the cardholder.

      If you do not make a submission to Opt-Out an automatic entry constitutes your consent to participate in this Contest and your consent for Sponsor to obtain, and use your name, card number, email and mailing addresses, phone number, age and other information forthe purpose of administering this Contest, awarding the prizes, to comply with legal requirements and in accordance with the Sponsor’s Privacy Notice accessible at https://www.collabriacreditcards.ca/webres/file/privacypolicy.pdf.

      Except where prohibited by law, acceptance of a prize constitutes winner's consent to Sponsor's and its agents' use of winner's name, likeness, photograph, voice, opinions and/or city/province of residence for advertising and promotional purposes in any media, worldwide, without payment or consideration. You will be required to sign a document confirming your consent to this effect.

4. WINNER SELECTION / NOTIFICATION / CONFIRMATION:

   On December 17, 2021 at approximately 4:00 p.m. PT at 110 Second Street W. Revelstoke, BC, V0E 2S0, one (1) eligible entrant will be selected by random draw by RCU, in the presence of two (2) witnesses, as the potential Prize winner from all eligible entries received by automatic entry during the Contest Period. On February 11, 2022 at approximately 4:00 p.m. PT in Revelstoke, BC, one (1), eligible entrant for Draw Two, Prize winner will be selected by random draw by RCU in the presence of two (2) witnesses. On May 3, 2022 at approximately 9:00 a.m. PT in Revelstoke, BC, one (1), eligible entrant for Draw Three, Prize winner will be selected by random draw by RCU in the presence of two (2) witnesses.

   (i) automatic entry takes place when credit card applicants are approved for their fee- based Collabria RCU Mastercard during Contest Period between December 1, 2021 and March 31, 2022

   Subject to verification of eligibility and compliance with these Contest Rules, the potential Prize winners will be declared the official Prize winner of the Contest. All potential winners who entered the draw via automatic entry will be requested to sign a written consent to validate their account approval before being officially designated as a winner and failure to provide such consent or failure to show the required spending will disqualify the cardholder.

   RCU will make a minimum of three (3) attempts to contact the selected entrant by email or by telephone within five (5) business days of the Draw Date. If a selected entrant cannot be contacted within five (5) business days of the Draw Date, or there isa return of any notification as undeliverable, then they will be disqualified (and forfeit all rights totheir prize) and the Sponsor reserves the right, in its sole discretion, to randomly select an alternate eligible entrant for the applicable prize from among the remaining eligible entries received in accordance with these Contest Rules (in which case the foregoing provisions of this section shall apply to such new selected entrant). For greater certainty and the avoidance of any doubt, the Sponsor does not have the obligation to select an alternate eligible winner.

   Prior to being declared the confirmed winner of a prize, each eligible selected entrant will be required to: (i) correctly answer a time-limited, mathematical skill-testing question (without electronic, mechanical or other assistance) and (ii) sign and submit the Sponsor’s Release form including the required consent and the Sponsor’s Use of Image/Likeness and Testimonial Agreement within ten (10) business days of the date indicated on the release form but no later than Dec 21, 2021 for Draw One and February 11, 2022 for Draw Two, and May 3, 2022 for draw three which (among other things): (a) confirms compliance with these Contest Rules; (b) acknowledges acceptance of the prizes as awarded; (c) releases the Sponsor and the Contest Parties, and each of their respective officers, directors, employees, agents, representatives, successors and assigns (collectively, the “Released Parties”) from any and all liability in connection with this Contest, their participation therein and/or the awarding and use/misuse of the prize or any portion thereof; and (d) grants permission to the Releasee Parties to take visual and audio recordings in connection with the Contest and agrees to the publication, reproduction

   and/or other use of his/her name, address, voice, statements about the Contest and/or recordings, photograph or other likeness without further notice or compensation, in any publicity or advertisement carried out by the Sponsor in any manner whatsoever, including print, broadcast or the internet. If an eligible winner: (i) fails to correctly answer the mathematical skill-testing question; (ii) fails to submit the properly executed Contest documents; (iii) otherwise fails to comply with these Contest Rules; and/or (iv) cannot accept the prize for any reason, then they will be disqualified and will forfeit all rights to the applicable prize. As noted above, in such event, RCU does not have the obligation to select alternate eligible winners.

5. GENERAL CONDITIONS:

By participating in this Contest, each entrant: (i) agrees to be bound by these Contest Rules and acknowledges acceptance of the applicable prizes as awarded; (ii) agrees to release and hold harmless the Sponsor and the Contest Parties (the “Released Parties”) from and against any and all claims based on publicity rights, defamation, invasion of privacy, copyright infringement, trade- mark infringement or any other intellectual property related cause of action; and (iii) releases the Released Parties from any and all damages, liabilities, costs and expenses arising from any liability in connection with this Contest and/or their participation therein and/or the awarding and use/misuse of the prize.

The Released Parties will not be liable for: (i) any failure of any website during the Contest; (ii) any technical malfunction or other problems relating to the telephone network or lines, computer on-line systems, servers, access providers, computer equipment or software; (iii) the failure of any entry to be received for any reason including, but not limited to, technical problems or traffic congestion on the Internet or at any website or mobile network; (iv) any injury or damage to an entrant's or any other person's computer or other device related to or resulting from participating or downloading any material in the Contest; and/or (v) any combination of the above.

The Sponsor reserves the right, in its sole and absolute discretion, to withdraw, suspend or amend this Contest in any way, in the event of an error, technical problem, computer virus, bug, tampering, unauthorized intervention, fraud, technical failure or any other cause beyond the reasonable control of the Sponsor that interferes with the proper conduct of this Contest as contemplated by these Contest Rules. Any attempt to deliberately damage any website or to undermine the legitimate operation of this Contest is a violation of criminal and civil laws and should such an attempt be made; the Sponsor reserves the right to seek remedies and damages to the fullest extent permitted by law. The Sponsor reserves the right, in its sole and absolute discretion to cancel, amend, or suspend this Contest, or to amend these Contest Rules, without prior notice or obligation, in the event of any accident, printing, administrative, human processing error, other error of any kind, or for any other reason.

This Contest is governed by the laws of British Columbia and the laws of Canada applicable therein. Thedecisions of the Sponsor with respect to all aspects of this Contest are final and binding on all entrants without right of appeal, including, without limitation, any decisions regarding the eligibility/disqualification of entrants and/or entries.

The Sponsor reserves the right, in its sole and absolute discretion and without prior notice, and in case of extreme circumstances, to adjust any of the dates and/or timeframes stipulated in these Contest Rules, to the extent necessary, for purposes of verifying compliance by any entrant or entry with these Contest Rules, or as a result of technical problems, or in light of any other

circumstances which, in the opinion of the Sponsor, in its sole and absolute discretion, affect the proper administration of the Contest as contemplated in these Contest Rules.

By signing the Release form including the consent, each entrant expressly consents to the Sponsor, its agents and/or representatives, collecting and using the personal information submitted with his/her entry only for the purpose of administering the Contest in accordance with Sponsor's privacy policy (available at: https://www.collabriacreditcards.ca/webres/file/privacypolicy.pdf unless the entrant otherwise agrees.

In the event of any discrepancy or inconsistency between the terms and conditions of these Contest Rules and disclosures or other statements contained in any Contest-related materials, including, but not limited to website, print and/or online advertising, the terms and conditions of these Contest Rules shall prevail, govern and control.

Sponsor: Collabria Financial Services Inc., 1414 8 St SW #280, Calgary, AB T2R 1J6.