Official Rules for C.S.T. Consultants Inc. “Refer a Friend” Contest (the “Contest”)

* NO PURCHASE NECESSARY TO ENTER OR WIN. A PURCHASE WILL NOT INCREASE YOUR CHANCES OF WINNING. THIS CONTEST IS OPEN TO CANADIAN RESIDENTS AND IS GOVERNED BY THE LAWS OF CANADA. BY ENTERING, EACH ENTRANT AGREES TO BE BOUND BY THESE CONTEST RULES AND THE DECISIONS OF THE SPONSOR WHICH SHALL BE FINAL IN ALL RESPECTS.

1. ELIGIBILITY To enter the C.S.T. Savings “Refer a Friend Contest” (the “Contest”), an individual (herein defined as an “Entrant”) must, at the time of Entry into the Contest and Prize fulfillment:

(a) be a legal resident of Canada;

(b) be located in Canada;

(c) have reached the age of majority in his/her province or territory of residence;

(d) have completed a ballot in full.

Employees, representatives, agents, officers, and directors (including members of their Immediate Families and any other person living in the same household of such person whether related or not) of C.S.T. C.S.T. Savings Inc., (“CST” or the "Sponsor"), its affiliates (including, without limitation, its parent, sister and subsidiary companies), any independent contest judging organization, advertising or promotional agencies and suppliers of materials or services related to the Contest are not eligible to enter the Contest or to receive a Prize. For these Official Rules, "Immediate Family" means mother, father, sister, brother, son, daughter and spouse, including common law spouse, regardless of where they reside. Groups, clubs, organizations, businesses and commercial and non-commercial entities cannot participate.

The decisions of Sponsor and/or the independent contest judging organization are final and binding in all matters related to this Contest and the awarding of the Prizes. The Sponsor shall have the right at any time to require proof of identity and/or eligibility to participate in the Contest. Failure to provide such proof may result in disqualification. All personal and other information requested by and supplied to the Sponsor for the purpose of the Contest must be truthful, complete, accurate and in no way misleading. The Sponsor reserves the right, in its sole discretion to disqualify any Entrant, should such an Entrant at any stage supply untruthful, incomplete, inaccurate or misleading personal details and/or information.

2. CONTEST PERIOD (i.e. duration of the Contest)

The Contest starts at 9:00:00 a.m. Eastern Time (“ET”) on January 5, 2022 and closes at 11:59:59 p.m. (ET) on January 31, 2023 (the "Contest Period"). All Entries must be received by 11:59:59 p.m. (ET) on

January 31, 2023 (the "Contest Closing Date"). Within the Contest Period, there will be a total of thirteen (13) monthly Contest Draw Periods (each a “Monthly Contest Draw Period”). For the purposes of this contest, e

ach Contest Draw Period begins at 12:01 AM (ET) on January 5, 2022and ends at 11:59:59 PM (ET) on last date of the calendar month as indicated in each Contest Draw Period in section 5. The Contest computer system (the “Contest Computer”) is used to govern all computer and time-related aspects of the Contest (including the date and time an entry was received) and, among other things, is the official time-keeping device for the Contest.

3. HOW TO ENTER THE CONTEST

NO PURCHASE NECESSARY. All Entries must be received and recorded within the Contest Period. The Contest computer system (the “Contest Computer”) is used to govern all computer and time-related aspects of the Contest (including the date and time an Entry was received) and, among other things, is the official time-keeping device for the Contest. To be eligible ballots must be completed in full.

To enter, visit our contest page http://www.cstsavings.ca/referafriend/<rep id> (rep id will be provided by a CST C.S.T. Savings Inc. Sales Representative), click on “enter the contest” and complete the following mandatory fields: your first name, last name and phone number and refer a family member and/or friend, by providing their first name, last name, phone number along with age of child/children (collectively, the “Entry”). Individuals referred can only be submitted once. Indicate that you have read, understood, and accept the Official Rules by checking the appropriate box. Select the “Submit” icon. Enter as often as you wish. Successful submissions will receive one (1) Entry into the Contest. For the purposes of this Contest, an Entry occurs when the contestant completes and submits the entry form on the Contest Website. Then, all Entries become the sole property of the Sponsor and will not be acknowledged or returned.

4. PRIZES

There are thirteen (13) cash Prizes of one thousand dollars ($1,000 CDN) each available to be won during the Contest Period, with one (1) $1,000 cash Prize awarded for each Monthly Contest Draw Period (as described in Rule 5 below). The total number of Prizes available will diminish as Prizes are awarded. The Prizes will be delivered in the form of a cheque only to the verified selected Entrants. Odds of winning a Prize depend on the total number of entries an Entrant has submitted, and the total number of entries received between January 5, 2022 and the Monthly Contest Draw Period.

Prizes must be accepted as awarded without substitution and are not transferable. The Sponsor will contact the selected Entrant within ten (10) days of the Contest Draw date to begin making the necessary arrangements to deliver his/her Prize (as defined in Rule 6 below)

5. DRAWS

All random draws will be made by the Sponsor at 1600-2235 Sheppard Avenue East, Toronto, ON M2J 5B8 at 10:00:00 a.m. (ET), as follows:

   2022/2023 Monthly Draw Period

Draw date

January  5– January 31

February 8, 2022

January 5– February 28

March 8, 2022

January 5 – March 31

April 12, 2022

January 5 – April 30

May 10, 2022

January 5– May 31

June 14, 2022

January 5 – June 30

July 12, 2022

January 5– July 31

August 9, 2022

January 5– August 31

September 13, 2022

January 5 – September 30

October 11, 2022

January 5 – October 31

November 8, 2022

January 5 – November 30

December 13, 2022

January 5 – December 31

January 10, 2023

January 5, 2022 – January 31, 2023

February 14, 2023

One (1) Entry will be randomly selected on each of the above draw dates from among all Entries received during the respective Monthly Draw Period. All non-selected Entries will carry forward into future monthly draws. Odds of being selected to win a Prize depends on the total number of eligible

Entries submitted per Entrant and the total number of eligible Entries received each Monthly Draw Period. If for any reason whatsoever, no eligible Entries are received for a Monthly Draw Period the Prize or Prizes designated for that Monthly Draw Period will carry forward to the next Monthly Draw Period.

6. PRIZE CLAIM CONDITIONS

Each selected Entrant will be contacted by email and/or telephone at the email address and or/telephone number provided on his/her Entry within ten (10) business days of the Contest Draw date. Please check your email and spam filters. To be eligible to win a Prize, the selected Entrants must first correctly answer, without assistance of any kind, whether mechanical or otherwise, a mathematical skill-testing question. The Sponsor will not be responsible for the failure for any reason whatsoever of a selected Entrant to receive notification or for the Sponsor to receive the selected Entrant’s response. Prior to being declared a winner each selected Entrant, must complete and return the Sponsor’s Declaration of Compliance and Release of Liability and Publicity Release Form (the “Form”) releasing the Sponsor, their respective parent, related and affiliated companies, advertising and promotional agencies, and all of their respective directors, officers, owners, partners, shareholders, employees, agents, representatives, successors and assigns (the “Releasees”) from any liability in connection with this Contest or the acceptance, possession, use or misuse of any Prize. The potential winner must return this form to the Sponsor’s office at 1600-2235 Sheppard Ave. E., Toronto, ON M2J 5B8, by mail, email or by fax within 14 business days following the date that the selected Entrant was first contacted by the Sponsor. In the event that a selected Entrant cannot be contacted by email or telephone, fails to provide proof of eligibility (if requested), release documents, or other required documentation in a timely manner, fails to correctly answer the skill-testing question, or if the email address and/or telephone number is not correct or other non-compliance with these Official Rules, then the selected Entrant will be disqualified without any liability to the Sponsor whatsoever (and the disqualified selected Entrant will have no claim against the Sponsor with respect to the Contest, or anything related to the Contest) and another Entrant will be randomly selected from the remaining eligible Entries (and subject to disqualification in the same manner) and the process above will be repeated until such time as all Prizes are awarded or until there are no more eligible Entrants.

7. LIMITATIONS OF LIABILITY AND RELEASES

Some jurisdictions (including the Province of Quebec) do not allow the exclusion or limitation of incidental or consequential damages, therefore such exclusions may not apply to you.

BY PARTICIPATING IN THIS CONTEST, ENTRANTS AGREE THAT RELEASEES HAVE NO LIABILITY WHATSOEVER FOR, AND SHALL BE HELD HARMLESS BY ENTRANTS AGAINST, ANY LIABILITY FOR ANY INJURIES, LOSSES OR DAMAGES OF ANY KIND (INCLUDING DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL OR PUNITIVE DAMAGES) TO PERSONS OR PROPERTY RESULTING FROM A PRIZE, INCLUDING THE ACCEPTANCE, POSSESSION, MISUSE OR USE OF THE PRIZE. FURTHER BY PARTICIPATING

IN THIS CONTEST, ENTRANTS AGREE THAT RELEASEES HAVE NO LIABILITY WHATSOEVER FOR, AND SHALL BE HELD HARMLESS BY ENTRANTS AGAINST, ANY LIABILITY FOR ANY INJURIES, LOSSES OR DAMAGES OF ANY KIND (INCLUDING DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL OR PUNITIVE DAMAGES) TO PERSONS OR PROPERTY RESULTING FROM: A) ENTRY OR PARTICIPATION IN THIS CONTEST, INCLUDING ACCESS TO AND USE OF THE CONTEST WEBSITE, OR B) ANY CLAIMS BASED ON PERSONALITY OR PRIVACY RIGHTS, DEFAMATION OR MERCHANDISE DELIVERY.

Without limiting the generality of the foregoing, the Releasees do not assume any responsibility and are not responsible for (i) the incorrect or inaccurate capture of Entry information and Entries that fail to comply with these Official Rules; (ii) any loss, damage, or claims caused by an awarded Prize or the Contest itself; (iii) any failure of the website during the Contest Period, including any problems, human or technical, printing errors, lost, delayed, garbled data or transmissions, omissions, interruptions, deletions, defects or failures of any telephone or computer lines, or technical malfunction of any computer on-line systems, servers, access providers, computer equipment, software, failure of any e-mail or Entry to be received on account of technical problems or traffic congestion on the Internet or at any website, or any combination thereof including any injury or damage to an Entrant’s or any other person's computer related to or resulting from downloading any material connected to the Contest, all of which may affect a person’s ability to participate in the Contest. Entry material/data that has been tampered with or altered is void.

8. GENERAL

By entering the Contest, Entrants (i) acknowledge compliance with these Official Rules including all eligibility requirements, and (ii) agree to be bound by these Official Rules and by the decisions of the Sponsor, made in their sole discretion, which shall be final and binding in all matters relating to this Contest. Entrants who have not complied with these Official Rules are subject to disqualification. Contest is subject to all applicable federal, provincial and municipal laws. Void where prohibited. Sponsor reserves the right to correct any typographical, printing, computer programming or operator errors. Sponsor's failure to enforce any term of these Official Rules shall not constitute a waiver of that provision. The invalidity or unenforceability of any provision of these Official Rules shall not affect the validity or enforceability of any other provision. If any provision of the Official Rules is determined to be invalid or otherwise unenforceable, then the Official Rules shall be construed in accordance with their terms as if the invalid or unenforceable provision was not contained therein. Should a winner make any false statement(s) in any document referenced above, the winner will be required to promptly return to Sponsor his/her Prize, or the cash value thereof. Sponsor reserves the right at its sole discretion to disqualify any individual who tampers or attempts to tamper with the entry process, the operation of the Contest and/or Contest Website, violates the Official Contest Rules, or acts with intent to annoy, abuse, threaten or harass any other person. WARNING: ANY ATTEMPT BY AN ENTRANT OR ANY OTHER INDIVIDUAL TO DELIBERATELY DAMAGE ANY WEBSITE ASSOCIATED WITH THIS CONTEST OR UNDERMINE THE LEGITIMATE OPERATION OF THE CONTEST IS A VIOLATION OF CRIMINAL AND CIVIL

LAWS, AND SPONSOR RESERVES THE RIGHT TO PROSECUTE AND SEEK DAMAGES TO THE FULLEST EXTENT PERMITTED BY LAW.

9. RIGHT TO MODIFY

The Sponsor reserves the right, subject to the approval of the Régie des alcools, des courses et des jeux (the “Régie”) with respect to residents of Quebec, to terminate, suspend or modify this Contest or to amend these Official Rules, in whole or in part, at any time and in any way, without prior notice, for any reason whatsoever, without obligation, if in Sponsor's sole opinion, any factor interferes with its proper conduct as contemplated by these Official Rules. Without limiting the foregoing, if for any reason the Contest is not capable of running as originally planned, for any reason, including but not limited to, as a result of tampering or infection by computer virus, unauthorized intervention, fraud, programming errors, or technical failures, which, in the sole opinion of Sponsor, corrupt or affect the administration, security, fairness, integrity or proper conduct of this Contest, the Sponsor reserves the right, with the consent of the Régie, to modify, suspect or terminate the Contest, or any portion thereof, and/or conduct a random draw from all eligible entries received, in accordance with the winner selection criteria discussed above.

10. FOR QUEBEC RESIDENTS

Any litigation respecting the conduct and awarding of the Prize in this Contest or organization of a publicity contest may be submitted to the Régie des alcools, des courses et des jeux for a ruling. Any litigation respecting the awarding of a prize may be submitted to the Régie only for the purpose of helping the parties reach a settlement.

11. RULES GOVERN

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

12. INTELLECTUAL PROPERTY

All intellectual property, including but not limited to trade-marks, trade names, designs, promotional materials, web pages, source code, drawings, illustrations, logos, slogans and representations are owned by either Sponsor and/or their respective affiliates or authorized licensors. All rights are reserved. Unauthorized copying or use of any copyrighted materials or intellectual property without the express written consent of its owner is strictly prohibited.

13. CONSENT TO USE PERSONAL INFORMATION AND PUBLICITY RELEASE Sponsor and its authorized agents will collect, use and disclose the personal information you provide

when you enter the Contest for the purposes of administering the Contest and Prize fulfillment. By entering this Contest, you consent to being contacted by Sponsor and its authorized agents about this Contest and your Entry. For information about our privacy practices, see our Privacy Policy available at

http://www.cstsavings.ca or contact CST's Chief Privacy Officer by mail at 1600-2235 Sheppard Avenue East, Toronto ON M2J 5B8 or by e-mail at [email protected]

By accepting a Prize, winner agrees to Sponsor's use of his/her name, city/province of residence, picture, biographical information, statements, voice and likeness in any advertising and publicity Sponsor may conduct relating to the Contest in any media or format, whether now known or hereafter developed, including but not limited to the World Wide Web, at any time or times in perpetuity, without further compensation or notice.