Win $10,000
and a fireproof safe

Willful and Tangerine Protect Your Legacy Contest Terms & Conditions

The Tangerine Protect Your Legacy contest (the “Contest”) is brought to you by Tangerine Investment Funds Limited (“Tangerine”) and Final Blueprint Inc. operating as Willful (“Willful”) which offers estate planning products and services (collectively, the “Sponsors”) with their head offices located respectively at 3389 Steeles Ave. E, Toronto, Ontario M2H 0A1 and PO Box 129 Wellington, ON K0K 3L0 Canada. Contest is void in whole or part where prohibited by law.See Eligibility section below for further details. Participation in the Contest constitutes full and unconditional agreement and acceptance of these Official Contest Rules (the “Rules”) (which may be amended by the Sponsors from time to time in their sole discretion). All dollar amounts are in Canadian funds ($CDN) unless otherwise noted.

1. Contest Period:

The Contest will begin September 23, 2026, at 12:00:01 a.m. Eastern Time (ET) and will end on October 15, 2026, at 11:59:59 p.m. ET (the “Contest Period”).


2. Eligibility:

The Contest is only open to Tangerine clients who are legal residents of Ontario, British Columbia, Alberta, Manitoba, Saskatchewan, Prince Edward Island, New Brunswick, Nova Scotia, and Newfoundland and Labrador, who have reached the age of majority in their jurisdiction of residence as of the date of entry. Excluded from eligibility are the employees, officers, directors, agents and representatives of the Sponsors and their affiliates, and each of their advertising and promotional agencies, and the immediate family of such employees, officers, directors, agents and representatives, and individuals living in the same household with such employees, officers, directors, agents and representatives. “Immediate family” is defined as parents, siblings, children or spouse.

3. How to Enter:

No purchase necessary to enter or win. Void where prohibited by law. During the Contest Period, eligible participants may earn Contest ballots through the following methods:

a) Purchase a Willful estate planning plan and enter the Orange Key provided at checkout, using the link provided in the Contestcommunication received directly from Tangerine. Eligible participants will receive 1,000 Contest ballots.

b) To enter without purchasing a Willful plan, submit an original essay of 100 words or less describing a financial goal that is important to you and how achieving it would impact your future, using the following link: https://tangerine.willful.co/freeentry. Eligible participants will receive 1,000 Contest ballots.

c) Additional Entries: eligible participants who have already earned ballots under method (a) above may book and attend a Portfolio Review appointment with a Tangerine Advisor, using the link provided in the Contest communication received directly from Tangerine, to receive additional 2,000 Contest ballots.

d) Eligible participants may participate through either one or both entry methods described above; however, ballots will only be awarded once per entry method per participant. The maximum number of ballots an eligible participant may receive during the Contest Period is 4,000 ballots.

Odds of winning the Prizes depend on the total number of Contest ballots received during the Contest Period.

All Entries and Contest ballots are subject to verification. The Sponsors reserve the right, in their sole and absolute discretion, to require proof of identity, age, residency, eligibility, account ownership, qualifying transactions and/or compliance with these Rules in a form acceptable to the Sponsors. Failure to provide such proof within the time prescribed by the Sponsors may result in disqualification.If it is discovered that an entrant has attempted to: (i) enter more than one (1) time per each entry method; or (ii) use or attempt to use multiple names, accounts, or identities to enter, or otherwise participate in, the Contest, then in the sole and absolute discretion of the Sponsors, the entrant may be disqualified from participation in the Contest. Use or attempted use of multiple identities, mail-in envelopes, and/or any automated system to enter or otherwise participate in this Contest is prohibited and is grounds for disqualification.

4. Prize:

During the Contest Period, one (1) Prize will be awarded to one (1) winner and will consist of one (1) fireproof/burglary-rated safe box and $10,000 cash, paid to the winner’s Tangerine Chequing or non-registeredSavings Account, or paid by cheque if the winner doesn’t have either Account. (the “Prize”).

Any difference between the approximate retail value and the actual value of the Prizes as taken will not be awarded.

Approximate total retail value of the Prize is $12,200.

Except at the discretion of the Sponsors, the Prize is not transferable, assignable or convertible to cash (except as may be specifically permitted by the Sponsors in their sole and absolute discretion) and must be accepted as awarded. The Sponsors reserve the right to substitute a Prize in whole or in part if all or any of the components of the Prize are unavailable for any reason with another prize of equal or greater approximate value, including, without limitation, but solely at the Sponsors’ sole discretion, a cash award. In the event that the Winner is unable to redeem any or all of any Prize due to reasons beyond the control of the Sponsors, their employees, representatives, agents and all parties associated with this Contest, no compensation or substitution prize will be provided, and the Sponsors may in their sole discretion award the Prize or the unredeemed portion of the Prize to an alternate Winner. Any costs or expenses incurred by the Winner in claiming or using the Prize except as described above will be the responsibility of the Winner. The characteristics and features of the Prize, unless otherwise explicitly described above, are at the Sponsor’s sole discretion and are subject to change.By accepting a Prize, each Winner agrees that the Releasees shall have no responsibility or liability if the Prize or any portion thereof does not meet the Winner's expectations or proves unsatisfactory, in whole or in part.The Sponsors reserve the right at any time to impose reasonable restrictions on the availability, use or redemption of any Prize or Prize component where required for legal, regulatory, operational, security or safety reasons.If a Winner does not utilize any portion of a Prize, then such unused portion shall be forfeited in its entirety and no cash payment, substitution or other compensation shall be provided in lieu thereof.

5. Prize Draw and Winner Selection:

A random draw for the Prize will be conducted on November 15, 2026, at or about 12:00 p.m. ET at one of the Sponsors’ offices (the “Draw Date”). Odds of being selected will depend upon the total number of eligible Contest entries received by the Sponsors during the Contest Period.

The selected entrant will be notified within one week of the Draw Date by the Sponsors by telephone or email and given instructions on how to claim the Prize. The Sponsors will make a maximum of one (1) attempt to contact the selected potential Prize winner. If a selected entrant can’t be contacted within one week (7 days) from the Draw Date, or if there is a return of any notification as undeliverable, the Prize will be forfeited and the Sponsors reserve the right, in their sole and absolute discretion, to randomly select an alternate potential Prize winner from among the remaining eligible Contest entries (in which case the foregoing provisions of this section will apply to the new selected entrant), and this process may continue until a potential Prize winner has been successfully contacted.

Before being declared a confirmed Prize winner (a “Winner”), the selected potential Prize winner will be required to: (a) correctly answer a time-limited mathematical skill-testing question; and (b) sign and return within 24 hours of receipt the Sponsors’ declaration and release form, which (among other things): (i) confirms compliance with these Rules; (ii) acknowledges acceptance of the Prize as awarded; (iii) releases the Releasees (as defined below) from any and all liability in connection with this Contest; and (iv) agrees to the publication, reproduction and/or other use of the Winner’s name, address (city and province), voice, statements about the Contest and/or photograph, image or other likeness without further notice or compensation, in any publicity or advertisement carried out by or on behalf of the Sponsors or their designees and assigns in any manner whatsoever, including print, broadcast or the Internet and grants to the Sponsors, in perpetuity, a non-exclusive licence to publish, display, reproduce, modify, edit or otherwise use the material contained in the entry, in whole or in part, for advertising or promoting the Contest or forany other reason and waives all moral rights in and to the Winner’s entry in favour of the Sponsors. If a selected potential Prize winner: (a) fails to correctly answer the skill-testing question; (b) fails to return the properly executed release and other Contest documents within the specified time; (c) can’t (or is unwilling to) accept their Prize as awarded for any reason; and/or (d) is not in compliance with these Rules, then they will be disqualified and will forfeit all rights to the Prize, and the Sponsors reserve the right, in their sole and absolute discretion, to randomly select an alternate potential Prize winner from among the remaining eligible Contest entries (in which case the foregoing provisions of this section will apply to the new selected entrant), and this process may continue until a Winner has been successfully awarded the Prize or until the Sponsors terminate the Contest in accordance with these Rules, whichever happens first.

If a Winner is subsequently determined to have provided false, misleading or inaccurate information, the Sponsors may require the Winner to return the Prize, any unused portion of the Prize and/or its value.

6. General Conditions:

Anyone determined by the Sponsors to be in violation of these Rules for any reason is subject to disqualification in the sole and absolute discretion of the Sponsors at any time.

The Sponsors reserve the right to refuse an entry from any person whose eligibility is in question or who the Sponsors reasonably believe has violated these Rules or acted in a manner inconsistent with the spirit of the Contest.

The Sponsors reserve the right to investigate and verify an entrant's eligibility and compliance with these Rules. Any entrant who fails to cooperate with such investigation or verification may be disqualified in the Sponsors sole discretion.Without limiting the foregoing, the Sponsors shall not be liable for any failure, delay or inability to administer the Contest or award any Prize resulting from causes beyond its reasonable control, including acts of God, severe weather, natural disasters, fire, flood, epidemic, pandemic, public health emergency, war, terrorism, labour disruption, strike, lockout, governmental action, travel disruption, transportation interruption, venue cancellation or failure of third-party service providers.By entering this Contest, entrants accept and agree to be bound by these Rules, including all eligibility requirements and the decisions of the Sponsors and the independent judging organization, if any, which are final and binding without right of appeal on all matters relating to this Contest. Without limiting the foregoing, all decisions of the Sponsor regarding eligibility, verification, compliance with these Rules, prize claims and disqualification are final and binding without right of appeal.

All entries become the property of the Sponsors and will not be returned or acknowledged. Entries will not be acknowledged and no correspondence will be entered into except with potential Prize winner. The Sponsors reserve the right to disqualify any entrant who fails to comply with these Rules or who makes any misrepresentation relating to the Contest, the Draw and redemption of the Prize.

By participating, entrants release and hold harmless the Sponsors and all of their respective affiliates, directors, officers, employees, agents, representatives, successors and assigns, advertising and promotional agencies affiliated with this Contest, prize suppliers, participating establishments and any independent contest judges appointed by Sponsors (collectively the “Releasees”) from any claims, actions, injury, loss, or damage of any kind, including, but not limited to, illness, personal injury or death, resulting, directly or indirectly, in whole or in part, from participating in this Contest or from the acceptance, possession, or use or misuse of the Prize or any portion thereof. This limitation of liability is a comprehensive limitation of liability that applies to all damages of any kind, including (without limitation): compensatory, direct, indirect, or consequential damages; loss of data, income or profit; loss of damage to property; and claims of third parties.

By participating, entrants agree that the 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 the Contest, including the acceptance, possession, misuse oruse of a Prize, or the merchandise for which it is redeemed (if applicable). Further, by participating in this Contest, entrants agree that the 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 participating in this Contest, including access and use of any website associated with this Contest or (b) any claims based on personality or privacy rights, defamation or merchandise delivery. Some jurisdictions do not allow the exclusion or limitation of incidental or consequential damages; therefore, such exclusions may not apply to Contest entrants.

The Sponsors won’t be responsible for any failure of email during the Contest or for any problems or technical malfunction of a telephone network or lines, computer online systems, servers, access providers, computer equipment, software, failure of any email, online, or Internet entry to be received by the Sponsors. In addition, the Sponsors won’t be responsible for technical problems, traffic congestion on the Internet or at any website, or any combination of these including any injury or damage to an entrant's or any other person’s computer or property related to or resulting from playing or downloading any material related to the Contest. The Sponsors reserve the right, at their sole discretion to cancel, suspend, extend or modify this Contest without notice, obligation or liability if in the Sponsors’ opinion there is any suspected or actual evidence of tampering with any portion of the Contest, or if virus, bugs, non-authorized human intervention, force majeure or other causes corrupt or impair the administration, security, fairness, or integrity and proper play of the Contest, or for any other reason in the Sponsors’ sole discretion. In such cases, the Sponsors reserve the right, in their sole discretion, not to award the Prize if circumstances make it impractical, impossible or commercially unreasonable to do so.

Winning a Prize is contingent on fulfilling all the requirements set forth herein. Mass entries, automated entries, entries submitted by third parties, and any entries or Prize claims that are late, incomplete, fraudulent, illegible, unidentified, or delayed will be void.

The Sponsors may select the Winners from all eligible Contest entries received prior to and/or after (if appropriate) the action taken by the Sponsors. Any attempt to deliberately damage any website or to undermine the legitimate operation of this Contest may be a violation of criminal and civil laws, and, if such an attempt is made, the Sponsors reserve the right to seek remedies and damages to the fullest extent permitted by law. Entries are subject to verification and will be declared invalid if they are illegible, incomplete, mechanically reproduced, mutilated, forged, falsified, altered or tampered with in any way, or otherwise not in compliance with these Rules.

If a dispute arises regarding who submitted an entry, the entry will be deemed to be submitted by the authorized account holder of the email account provided at time of entry. Authorized account holder is defined as the natural person who is assigned to an email address by an Internet access or online service provider, or other organization responsible for assigning email addresses for the domain associated with the submitted email address.

The Sponsors won’t be responsible in any way for the use of, or bear any liability whatsoever in any way attributable to, the Prize awarded in this Contest or the events forming part of this Contest, including but not limited to typographical or other errors in the offer or administration of this Contest, these Rules, the selection and announcement of the Winner or the distribution of the Prize. The Releasees: (i) make no warranty, guarantee or representation of any kind concerning the Prize; and (ii) disclaim any implied warranty or condition.

The Sponsor reserves the right to correct any typographical, printing, administrative, computer programming or operator errors at any time.

In the event of any discrepancy or inconsistency between the terms of these Rules and the terms or statements contained in any short-form Contest rules, advertising materials and/or the French version of these Rules, the terms and conditions of these English Rules will prevail, govern and control to the fullest extent permitted by applicable law.

The Sponsor's failure to enforce any provision of these Rules shall not constitute a waiver of that provision.

If any provision of these Rules is determined to be invalid, illegal or unenforceable, the remaining provisions shall remain in full force and effect and shall be interpreted so as to best accomplish the original intent of the parties.

7. Privacy:

The Sponsors are committed to respecting the privacy rights of entrants. Any personal information collected will be handled in accordance with the Tangerine Privacy Code found at tangerine.ca and the Willful Privacy Policy found at willful.co/privacy-policy. Except as otherwise set forth here with respect to the Winner, and any other consent(s) provided by entrants, any personal information collected for this Contest will be collected, used and disclosed by the Sponsors solely for the purpose of managing and administering this Contest. By entering this Contest, the entrant consents to the Sponsors’ collection, use and disclosure of the entrant's personal information in order to manage and administer this Contest.

8. Governing Law:

This Contest is subject to all applicable federal, provincial and municipal laws. All issues and questions concerning the construction, validity, interpretation and enforceability of these Rules, or the rights and obligations of entrant and Sponsors in connection with the Contest, will be governed by, and construed in accordance with, the substantive laws of the Province of Ontario without regard to Ontario conflicts of law principles. All entrants consent to the jurisdiction and venue of the Province of Ontario.

Winner Name: To obtain the name of the official Winner, available after November 30, 2026 email your request to [email protected].