FINANCIAL RESILIENCE

1. Contest Period

"Synergy Credit Union’s Build Your Financial Resilience” Contest (the “Contest”) runs from 12:00:01 am Mountain Time ("MT") on September 12, 2023, to 11:59:59 pm MT on April 30, 2024 (the "Contest Period").

2. Eligibility

By participating in the Contest, each Member agrees to abide by and be bound by these Official Rules and all decisions of Synergy Credit Union Ltd. (the "Sponsor''), which shall be final and binding, without the right of appeal, in all matters relating to this Contest and the awarding of the prizes, including without limitation eligibility and/or disqualification of Members.

3. How to Enter

NO PURCHASE IS NECESSARY.

To participate in the Contest, you must be a Synergy Credit Union member in good standing (defined below).

To enter the contest, schedule and attend an appointment with a Synergy Credit Union financial expert online, over the phone, or in person during the contest period. During this appointment, you'll discuss your financial goals, receive expert guidance, and be entered into the contest.

Contest Timelines:

Contest Period 1: September 12 - October 31, 2023

Contest Period 2: November 1 - December 31, 2023

Contest Period 3: January 1 - April 30, 2024

Grand Prize Draw: May 1, 2024

Members can win only one draw during each contest period and will be excluded from future draws within the same period, except for the grand prize draw. Prizes are non-transferable.

Winners will be contacted by a Synergy Credit Union representative within 72 hours of the draw date and will be required to answer this skill testing question, (4x5) + (100-40) via follow up email.

To claim the prize, the winners must:

1. Be a Member in good standing.

To be "in good standing", the applicable Member and/or Member account may not be in default of any terms or conditions of the membership, account, lending or card holder agreements, and accounts in question must not have been cancelled, closed, or otherwise have had any membership privileges suspended.

2. Have an existing Synergy Credit Union chequing or savings account to deposit the funds. If you don't have an account, one must be opened, subject to monthly service fees.
3. Successfully answered the skill testing question.

The following Members and Member accounts are not eligible for any of the contest draws:

1. Any individual who is or was an officer, director, employee, agent, or representative of Sponsor, between January 1, 2023, and the Contest Close Date, or any person who is a member of the immediate family and resides with such an individual. For the purposes of these Official Rules, "immediate family'' shall mean a parent, grandparent, child, grandchild, sibling, or spouse (whether common law or otherwise).
2. Any legal entity that is owned wholly or in part by any individual described in paragraph (b) above.
3. Business accounts, estate accounts, Registered Education Savings Plans, Registered Disability Savings Plans, and all trust accounts (including personal trust accounts, family trust, minor trust, business trust accounts, professional trust accounts (e.g., legal, or real estate agent accounts), etc.)
4. Any Member who is a legal resident of the Province of Quebec at the time of Entry or as of the Contest Close Date.

4. Draw Dates

Draw dates will occur on November 1, 2023, January 2, 2024, and May 1, 2024, before 5:00 pm MT. The grand prize draw will occur on May 1, 2024, before 5:00 pm MT.

Contest winner(s) will be contacted within 72 hours of the draw date and must answer the skill testing question. Funds will be deposited into the Member’s designated Synergy Credit Union chequing or saving account upon successful skill testing question completion. If contact cannot be established within 20 business days, a redraw will occur.

5. Consent

Draw winners agree to the following:

1. Grant permission for Synergy Credit Union to publish the winner’s name and/or photograph as it sees fit without remuneration for Synergy’s website, digital banking application, social media accounts, print materials, advertising, in branch use or posters.
2. In giving this consent, I release Synergy Credit Union, their nominees, and designees, including employees and directors, from all liability for any violation of any personal or proprietary right I may have in connection with such sale, reproduction, or use I approve of the foregoing and waive any rights in the premises.
3. I certify that I am of legal age and, if not, I have obtained the necessary parent or guardian consent and have the legal authority to execute this consent and release. I approve of the foregoing and waive any rights in the premises.
4. I understand that this consent is in addition to, and not in substitution for, any other consent, express or implied, which I have given Synergy Credit Union to collect, use and disclose my personal information. This consent may be withdrawn by contacting Synergy Credit Union using the information above.
5. If I withdraw consent, I acknowledge that existing publications will not be withdrawn from circulation.

Personal information held by Synergy Credit Union will be retained and destroyed in accordance with Synergy Credit Union’s retention of records policies and privacy legislation.