New Brunswick Medical Society Physician Summit 2021 | The NB Box Gift Basket Raffle (the “Contest”)
Official Rules & Regulations (the “Rules”)

---

By entering this Contest, you agree to abide by these Rules and the decisions of MD Financial Management Inc. “MD” or the “Sponsor”, which are final and binding.

1. WHO CAN ENTER
This Contest is open to all residents of Canada [(excluding residents of Quebec)] who have reached the age of majority in their province or territory of residence at the time of entry, except employees of MD and its affiliates and its and their advertising and promotional agencies and the immediate family of such employees and individuals living in the same household with such employees. “Immediate family” is defined as parents, siblings, children or spouse.

This contest is sponsored by MD Financial Management Inc. (“Sponsor”) and is open to all attendees of the New Brunswick Medical Society Physician Summit 2021 on October 2, 2021, excluding employees of the Canadian Medical Association or MD Group of Companies and any such employees’ immediate family members and persons with whom such employees reside.

2. CONTEST PERIOD
The Contest runs from August 10, 2021 at 9 a.m. EDT to October 1, 2021 at 11:59 p.m. EDT (the “Contest Period”).

3. HOW TO ENTER
NO PURCHASE NECESSARY TO ENTER OR WIN. A PURCHASE WILL NOT INCREASE YOUR CHANCES OF WINNING. VOID WHERE PROHIBITED.

To enter, the entrant must fill out the ballot at https://pages.mdm.ca/2211_NBMB_Physician_Summit_Contact_Card.html.

4. ENTRY REQUIREMENTS
Any Entry deemed inappropriate or unsuitable, in Sponsor’s sole discretion, will be disqualified. Sponsor reserves the right to have any Entry removed which, in its sole discretion, does not comply with these Rules. In such event, the entry associated with such Entry will be disqualified.

5. PRIZES
A total of one prizes are available to be awarded (each a “Prize”) (total approximate retail value of all Prizes is $250). Each winner will receive a(n) one gift basket from The NB Box (approximate retail value $250). Except at the discretion of Sponsor, Prizes are non-transferable and must be accepted as awarded; no cash substitutes. Sponsor reserves the right to substitute the Prize in whole or in part if all or any of the components of the Prize are unavailable with another prize of equal or greater approximate value. In the event that the winner is unable to redeem any or all of the Prize, due to reasons beyond the control of the Sponsor, its employees, representatives, agents and all parties associated with this Contest, no compensation or substitution prize will be provided. Any costs or expenses incurred by winners in claiming or using their Prizes will be the responsibility of the winners.

6. PRIZE DRAW
A random draw will be conducted on or about October 2, 2021 at or about 11:59 p.m. from all eligible Entries received during the Contest Period at the offices of MD located at 1870 Alta Vista Dr Ottawa, ON K1G 6R7 or remotely by MD employees when required. The odds of an Entry being drawn depend on the total number of eligible Entries received during the Contest Period. Limit of one (1) Prize per entrant.

7. SELECTION OF WINNERS
Selected entrants will be notified within 2-5 business days by telephone or email using the phone number or email address associated with the entrant and contacted by a Sponsor representative and given instructions on how to contact the Sponsor to claim the Prize .

To win, the selected entrant must correctly answer, unaided, a mathematical skill-testing question: (3 x 2) + (4 x 10).

In order to be declared the Prize winner, in addition to complying with the other terms and conditions of these Rules, the selected entrant must respond to the notification within forty-eight (48) hours and provide a valid mailing address, phone number and email address. Selected entrants must also correctly answer, unaided, a time-limited mathematical skill-testing question to be administered by mail, email or phone, as Sponsor determines. Winners will be required to sign a release form confirming acceptance of the Prize as awarded and releasing Sponsor and its affiliates from any liability relating to the Prize and return it to Sponsor within seven (7) days from the date of receipt.

By accepting the Prize, the winner consents to the use by Sponsor of his/her name, address (city and province), photo, image, likeness, biographical information, voice and/or any statements made by the winner regarding the Contest or Sponsor for promotional, advertising, marketing, publicity and commercial purposes in any and all media now or hereafter devised, including but not limited to, any online announcements, worldwide in perpetuity, without additional compensation, notification, or permission, except where prohibited by law.

Should a selected entrant fail to meet any of these Rules in Sponsor’s sole discretion, or a selected entrant cannot be reached or a prize notification is returned as undeliverable, entrant will be disqualified. A new random draw will be conducted from amongst all remaining eligible Entries in accordance with these Rules in order to select another potential Prize winner, who will be subject to the same conditions and could be disqualified in the same manner.

8. GENERAL RULES
By entering this Contest, entrants accept and agree to be bound by these Rules, including all eligibility requirements and the decisions of the Sponsor and the independent judging organization, if any, which are final and binding without right of appeal on all matters relating to this Contest. Sponsor reserves the right to disqualify all entrants who fail to comply with these Rules or who make any misrepresentation relating to the Contest, drawing and redemption of any Prize.

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 .

By participating, entrants release and hold harmless Sponsor and its affiliates, and its and their directors, officers, employees, advertising and promotional agencies affiliated with this Contest, participating establishments and any independent contest judges appointed by Sponsor 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 (including any travel/activity related thereto). 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.

The Sponsor shall not be responsible for any failure of email during the Contest or for any problems or technical malfunction of a telephone network or lines, computer on-line systems, servers, access providers, computer equipment, software, failure of any email, on-line, or Internet entry to be received by the Sponsor. In addition, the Sponsor shall not be responsible for technical problems, 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 or property related to or resulting from playing or downloading any material in the promotion. The Sponsor reserves the right, at its 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 Sponsor’s sole discretion. In such case, Sponsor may select the winner(s) from all eligible Entries received prior to and/or after (if appropriate) the action taken by Sponsor. 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, should such an attempt be made, the Sponsor reserves 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.

The Sponsor shall not 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 winners or the distribution of the Prize. The Sponsor and its affiliates, and its and their officers, directors, partners, partnerships, principals, representatives, agents, licensees, successors and assigns (i) make no warranty, guaranty or representation of any kind concerning the Prize, (ii) disclaim any implied warranty or condition, and (iii) are not liable for injury, loss, or damage of any kind resulting from the acceptance, use or misuse of the Prize, travel related thereto or otherwise from participation in this Contest.

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 Official Rules, the terms and conditions of these English Rules shall prevail, govern and control to the fullest extent permitted by applicable 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 Sponsor in connection with the Contest, shall 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.

9. PRIVACY
The Sponsor is committed to respecting the privacy rights of entrants. Any personal information collected will be handled in strict accordance with the MD Privacy Commitment and Agreement at https://mdm.ca/privacy and all applicable privacy legislation. The Sponsor will not sell any personal information collected for this Contest to any third parties. Except as otherwise set forth herein with respect to the Prize winner, any personal information collected for this Contest shall be collected, used and disclosed by the Sponsor solely for the purpose of managing and administering this Contest. By entering this Contest, the entrant hereby consents to the Sponsor's collection, use and disclosure of the entrant's personal information in order to manage and administer this Contest.

10. WINNER NAMES
To obtain the name of the Prize winners, available after October 8, mail a self-addressed stamped envelope by November 8, to: 1870 Alta Vista Dr. Ottawa, ON K1G 6R7.

©2021 MD Financial Management Inc.

Yes, you can open as many accounts as you would like.

MD Management Limited displays your return using a money-weighted return process, which takes into account the returns you earn on deposits, as well as the returns on your investments.

Your account will be invested in an MD Precision Portfolio or the MD Money Fund. MD Precision Portfolios are made up of underlying funds and feature a regularly rebalanced structure that keeps your portfolio’s asset allocation on track and helps you achieve your financial goals. The MD Money Fund is not made up of underlying funds and, therefore, does not need to be rebalanced.

Maintaining your confidentiality and protecting your personal information are fundamental to the way we do business with you. Our privacy policies detail how our financial services and practice management business groups collect, use and disclose your personal information. Where applicable, privacy statements have been developed to provide you with details about our information-handling practices for the specific products and services that you use. These policies and statements are available from the MD ExO Direct advisory team and on our website. The privacy policies and statements are designed to provide a cohesive framework to guide MD Financial Management’s information-handling practices.

Your account will be invested in an MD Precision Portfolio or the MD Money Fund. MD Precision Portfolios are made up of underlying funds and feature a regularly rebalanced structure that keeps your portfolio’s asset allocation on track and helps you achieve your financial goals. The MD Money Fund is not made up of underlying funds and, therefore, does not need to be rebalanced.

Your account will be invested in an MD Precision Portfolio or the MD Money Fund. MD Precision Portfolios are made up of underlying funds and feature a regularly rebalanced structure that keeps your portfolio’s asset allocation on track and helps you achieve your financial goals. The MD Money Fund is not made up of underlying funds and, therefore, does not need to be rebalanced.

First, please check that your audio is not on mute. If you are still experiencing difficulties with your computer audio, you can join the meeting by phone instead. Your email invitation will provide a number and meeting access code for you to call in from your phone.