OFFICIAL CONTEST RULES & REGULATIONS  

[insert contest name] (the “Contest”) Official Rules & Regulations (the “Rules”)  

By entering this Contest, you agree to abide by these Rules and the decisions of [The Bank of Nova Scotia/MD Financial Management Inc. ][and The Bank of Nova Scotia] ([collectively] “[Scotiabank/MD]”] or the “Sponsor”), which are final and binding.

1. WHO CAN ENTER

2. CONTEST PERIOD

3. HOW TO ENTER

1. [Purchase/consideration method – include description of how to enter] 

1. Mail-In Method of Entry: To enter without making a purchase as outlined in (i), please submit a handwritten maximum 100-word essay about [topic]. Please also print your name, mailing address, daytime and evening telephone numbers and email address on a 3" x 5" card and mail your submission to: [insert address].  

• [Reiterate any specific entry requirements] 
• Entries must be the original work of entrant (no co-contributors permitted); 

• Entries must not have been previously published or won an award or prize of any kind; 
• [Entrant may be, but is not required to be, depicted in the Entry photo;] 
• Entries must not contain content that: is inappropriate, offensive or indecent including profanity, nudity, or sexual content; promotes racism, hatred, violence or harm against any living creature, individual or group; promotes discrimination based on gender, race, religion, nationality, disability, sexual orientation, age or any other prohibited ground; or promotes the use of alcohol, illegal drugs, tobacco, weapons, or illegal activities;   
• Entries must not contain advertisements, personal or commercial solicitations, or promote any political agenda or party; 
• Entries must not contain any identifiable third party products and/or trademarks, brands or logos (other than those of Sponsor and its affiliates), advertise or promote any brand or product owned by any entity other than Sponsor or contain anti-competitive messages or material that violates the rights of Sponsor; 

• Entries must not contain names, likenesses, photos or other information about an identifiable individual, including without limitation celebrities and/or other public or private figures, living or dead, without express written permission from the person(s) (or their estate); 
• Entries must be in keeping with Sponsor’s image and not contain any material that could reflect negatively on the name, reputation or goodwill of Sponsor, its subsidiaries or affiliates, in Sponsor’s sole discretion; 
• Entries must not violate or encourage the violation of any law, rule or regulation.] 

5. 5. PRIZES

6. 6. PRIZE DRAW

7. 7. SELECTION OF WINNERS

8. 8. GENERAL RULES

8. PRIVACY 

9. WINNER NAMES

By entering this Contest, you agree to abide by these Rules and the decisions of MD Financial Management Inc. and The Bank of Nova Scotia (collectively “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 Sponsor and [its/their] affiliates and its and their advertising and promotional agencies [as well as their mandataries] 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.

2. CONTEST PERIOD

The Contest runs from March 2, 2023 at 8:22 a.m. EST to March 17, 2023 at 8:22 a.m. EST (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/2723_NOSM_Northern_Lights_Contact_Card.html.

Limit one (1) Entry per person allowed. To be eligible, entries must be received during the Contest Period.

All entries become the property of Sponsor and none will be acknowledged or returned. No responsibility is assumed by Sponsor for any lost, late, damaged, destroyed, misidentified, illegible or misdirected entries or for any other such problems occurring in connection with participation in this Contest. Proof of sending or submission will not be deemed to be proof of receipt by Sponsor.  Use of computer programs and/or other automated devices to enter the Contest is prohibited. Any costs or expenses incurred by entrants in participating in the Contest including data rates if entrant enters the Contest via a mobile device are the responsibility of entrants. Normal internet access and device usage charges imposed by your online service provider will apply.

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.

To be eligible, all Entries must meet the following requirements:

• To enter, the entrant must fill out the ballot at https://pages.mdm.ca/2723_NOSM_Northern_Lights_Contact_Card.html.
• To enter, the entrant must be a current medical resident or fellow at a CND medical school.

5. PRIZES

A total of 1 prizes are available to be awarded (each a “Prize”) (total approximate retail value of all Prizes is $150). Each winner will receive Acre75 gift box (approximate retail value $150). 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 March 5, 2023 at or about 8:55 a.m. EST from all eligible Entries received during the Contest Period at the offices of Sponsor /Administrator located at 1870 Alta Vista Dr. Ottawa, ON. There will be One (1) of Entries randomly chosen to be eligible to win a Prize. 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 5-10 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.

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.

Entrant represents and warrants that its Entry does not and will not infringe on any copyright or trademark or any other third party right or violate any applicable law or regulation, including any right to privacy or publicity. By entering the Contest, entrant grants Sponsor a worldwide, royalty free, non-exclusive right and license to copy, distribute and display each submitted Entry and use each Entry in any manner including promotional, advertising, marketing, publicity and commercial uses without any further notice or payment to entrant (except where prohibited by law).

By participating, entrants release (and in the case of the confirmed winner agrees to cause each of his/her guests to release) and hold harmless Sponsor and its affiliates, and its and their directors, officers, employees, advertising and promotional agencies affiliated with this Contest, prize suppliers, 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 [(subject only to applicable laws, including without limitation, any laws or regulations under the Régie des alcools, des courses et des jeux (the “Regie”), 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 Sponsor Privacy Agreements found at www.mdm.ca and www.scotiabank.com 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 March 20, 2023, mail a self-addressed stamped envelope by April 3, 2023 to: 1870 Alta Vista Dr. Ottawa, ON. K1G 6R7.

11. FOR QUEBEC RESIDENTS

Any litigation respecting the conduct 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 board only for the purpose of helping the parties reach a settlement.

©2022 MD Financial Management Inc. and The Bank of Nova Scotia

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.