Terms and Conditions

1. CONTEST PERIOD:

The Meridian Subscribe to our Email List Contest (the “Contest”) is brought to you by Meridian Credit Union Limited (the “Sponsor” or “MCU”) and begins on September 1, 2026, 9:00 am Eastern Time (“ET”) and ends on October 30, 2026, 11:59 pm ET (the “Contest Period”).

2. AGREEMENT TO BE LEGALLY BOUND BY RULES:

By participating in this Contest, you acknowledge compliance with and agree to be bound by these Official Contest Rules (the “Rules”). Entrants who do not comply with the Rules are subject to disqualification by the Sponsor in the Sponsor's sole discretion.

3. ELIGIBILITY:

No purchase necessary. Contest is open only to residents of Ontario, who: a. at the time of entry has attained the age of majority in Ontario and b. who, have applied for and been accepted into Membership of MCU including purchasing a MCU Membership Share at the price of $1.00, and c. whose membership is in good standing (an “Eligible Entrant”). Eligible Entrants do not include employees, representatives, agents, officers or directors (and those with whom such persons are living, whether related or not) of: the Sponsor, its respective subsidiaries, associated and affiliated entities, prize suppliers, advertising/promotion agencies and any other individual(s), entity or entities involved in the development, production, implementation, administration or fulfillment of the Contest (the “Contest Parties”).

4. HOW TO ENTER THE CONTEST:

To register for the Contest, visit www.meridiancu.ca/emailcontest (“Webpage”) which is accessible after you log into your Meridian account online via a computer or via the Meridian mobile app. Fully complete the form on the Webpage (the “Form”) with all required information and signify your agreement that you have read and agree to  the terms and conditions of these Rules. In order to complete your entry in the Contest, you must enter your full name, phone number, and email address and consent to receive electronic messages about products, news, and special offers. You may withdraw your consent to receive electronic messages about products, services and special offers at any time by selecting the unsubscribe option that appears at the bottom of every electronic message, or you can contact Meridian to unsubscribe.

Once you have submitted a complete Contest entry in accordance with these Rules, you will automatically be recorded by the Sponsor in its records as having received one (1) entry in the Contest.

5. LIMITS AND ADDITIONAL ENTRY RULES:

There is a limit of one (1) Entry per Eligible Entrant.

Entries that are incomplete, late, lost, stolen, illegible, contain false information, are damaged, misdirected, mutilated, garbled or incomplete, altered or otherwise irregular or that do not conform with or satisfy any or all of the conditions of the Contest Rules are void.

Proof of transmission (for example, screenshots or captures) does not constitute proof of entry or receipt of an entry.

6. VERIFICATION:

All Eligible Entrants’ entries, are subject to verification at any time and for any reason. The Sponsor reserves the right, in its sole and absolute discretion, to require proof of identity and/or eligibility, in a form acceptable to the Sponsor – including, without limitation, government issued photo identification: (i) for the purposes of verifying an individual’s eligibility to participate in this Contest; (ii) and/or  for any other reason the Sponsor deems necessary, in its sole and absolute discretion, for the purposes of administering this Contest in accordance with the Sponsor’s interpretation of the letter and spirit of these Rules. Failure to provide such proof to the complete satisfaction of the Sponsor within the timeline specified by the Sponsor may result in disqualification in the sole and absolute discretion of the Sponsor.

7. PRIZES:

There will be a total of one (1) grand prize (“Prize”) available to be won. The prize consists of 1 cash prize of $5,000 (five thousand) Canadian dollars to be deposited into the winner’s MCU chequing or savings account. The Prize must be accepted as awarded and is not transferable or assignable by the winner, except as may be specifically permitted by Sponsor in its sole and absolute discretion. No substitutions are permitted, except at Sponsor’s option. Sponsor reserves the right, in its sole and absolute discretion, to substitute any Prize or a component thereof with a prize of equal or greater retail value.

8. ODDS OF WINNING:

The odds of winning are one (1) in the number of eligible Contest Entries received in accordance with these Rules during the Contest Period.

9. ELIGIBLE PRIZE WINNER SELECTION PROCESS:

On November 10, 2026 (the “Draw Date”) at the offices of the Sponsor, an employee of the Sponsor, will conduct a random draw from all eligible entries received by October 30, 2026 and select the potential winner (“Eligible Winner”). The Eligible Winner will be deemed the winner if they meet all of the eligibility criteria set out in these Contest Rules. If the Eligible Winner does not meet the eligibility criteria, he/she will be disqualified and will not receive the Prize, and another entrant will be selected by way of a random draw from the remaining eligible entries.

10. ELIGIBLE WINNER CONFIRMATION PROCESS:

NO ONE IS A WINNER UNLESS AND UNTIL THE SPONSOR OFFICIALLY CONFIRMS HIM/HER AS A WINNER IN ACCORDANCE WITH THESE RULES, EVEN IF SUCH PERSON IS ANNOUNCED AS THE WINNER OR AN ELIGIBLE WINNER. Before being declared a winner, Selected Entrants will be required to: (i) correctly answer the Sponsor’s skill-testing question; (ii) sign and return the Sponsor’s Declaration of Eligibility within 48 hours of the date & time stamp of any Email Notification, which among other things: (i) confirms compliance with these Rules; (ii) acknowledges acceptance of the applicable Prize as awarded; (iii) releases the Released Parties from any and all liability in connection with this Contest, his/her participation therein and/or the awarding and use/ misuse of the applicable Prize or any portion thereof; and (iv) agrees to the publication, reproduction and/ or other use of his/her name, address, voice, statements about the Contest and/or photograph or other likeness without further notice or compensation, in any publicity or advertisement carried out by or on behalf of the Sponsor in any manner or medium whatsoever, including print, broadcast or the internet.

If an Eligible Winner: (a) fails to correctly answer the skill-testing question; (b) fails to properly execute and return any required Contest documents within the specified time; (c) cannot accept or is unwilling to accept the applicable Prize as awarded for any reason; and/or (d) is determined to be in violation of these Rules (all as determined by the Sponsor in its sole and absolute discretion); then he/she will be disqualified and will forfeit all rights to the applicable Prize and the Sponsor reserves the right, in its sole and absolute discretion and time permitting, to select an alternate eligible winner in accordance with the procedures outlined in Rule 9 in which case the foregoing provisions of this section shall apply to such newly selected eligible winner.

Disputes regarding identity of entrant: If the identity of a Selected Entrant is disputed, the entry will be deemed to have been submitted by the individual assigned to the email address entered at the time of entry (Authorized Account Holder). Each Selected Entrant may be required to provide proof that he/she is the Authorized Account Holder associated with a selected entry.

11. ELIGIBLE WINNER NOTIFICATION PROCESS:

The Sponsor or its designated representative will make a minimum of three (3) attempts to contact the Eligible Winner, using the information provided to the Sponsor in the course of the Contest, within five (5) business days of the Draw Date. If the Eligible Winner cannot be contacted as outlined above, or if there is a return of any notification as undeliverable and/or if any correspondence is not responded to; then he/she may, in the sole and absolute discretion of the Sponsor, be disqualified and, if disqualified, will forfeit all rights to the applicable Prize and the Sponsor reserves the right, in its sole and absolute discretion and time permitting, to select an alternate Eligible Winner in accordance with the procedures outlined in Rule 9 having disqualified the Eligible Winner’s entry, in which case the foregoing provisions of this section shall apply to such newly selected eligible winner.

12. RELEASE AND INDEMNIFICATION:

All winners must sign the Sponsor’s Winner Release to: (i) confirm compliance with all Contest Rules; (ii) agree to accept prizes as awarded; (iii) release, discharge and hold harmless the Sponsor, related and affiliated companies, subsidiaries, subcontractors, advertising and promotional agencies, counsel, partners, and each of their respective directors, officers, employees, members, shareholders, successors, partners, licensees, subsidiaries, agents, artists, advisors, assignees, and all others associated with the administration, development and execution of the Contest (Released Parties) from and against any and all manner of action, cause of action, claim or demand, loss or injury, use or misuse of a prize or any travel related thereto, and the use of entries by the Sponsor, suit, debt, covenant, contract, including legal fees and expenses, whatsoever, including but not limited to, claims based on negligence, breach of contract and fundamental breach, failure of any third-party contractor or supplier used in connection with any aspect of the Contest to perform or deliver any goods or services, any act of God or any other event beyond the Released Parties’ control, any dissatisfaction of any kind by a winner with any aspect of the Contest or any prize, liability for physical injury, death, or property damage which the Entrants, guests, their heirs, successors or assigns have, might have or could have suffered, by reason of or arising out of the Entrant’s participation in the Contest and/or in connection with the acceptance and/or exercise by the Entrant of prizes as awarded; and (iv) indemnify the Released Parties against any loss, damage or expense, including legal fees, that any of the Released Parties may suffer or incur as a result of any non-compliance by Entrants with any of the Contest Rules or participation in the Contest and/or in connection with the acceptance and/or exercise by an Entrant of a prize, and the use of entries by the Sponsor.

The Sponsor is not responsible for: (i) incorrect or inaccurate entry information that may affect a person’s ability to participate in the Contest or be awarded a prize, including but not limited to human error, technical malfunctions, lost or delayed entries for any reason, mail failures, omission, or any combination thereof, and entries that fail to fully comply with these Contest Rules; (ii) technical failures of any kind, including, but not limited to malfunctions, interruptions, or disconnections in phone lines or network hardware or software; (iii) lost, incomplete, delayed, mutilated or misdirected entries or Winner Releases; (iv) injury or damage to entrants’ computers or to any other individual’s computer related to or resulting from participating in, or downloading any material regarding the Contest or accepting a prize; (v) any injury or damage to persons or property which may be caused, directly or indirectly, in whole or in part, from entrant’s participation in the Contest or receipt or use or misuse of any prize, including any related travel and the use of entries by Sponsor; (vi) the security or privacy of information transmitted via computer networks or for breaches of privacy due to interference by third-party computer hackers or otherwise; or (vii) late, lost, misdirected or unsuccessful efforts to notify a potential winner.

13. GENERAL CONDITIONS:

This Contest is subject to all applicable federal, provincial, and municipal laws. The decisions of the Sponsor with respect to all aspects of this Contest are final and binding on all entrants without right of appeal including without limitation any decisions regarding eligibility/disqualification of entrants, entries.

ANYONE DEEMED BY THE SPONSOR TO BE IN VIOLATION OF THE SPONSOR’S INTERPRETATION OF THE LETTER AND/OR SPIRIT OF THESE RULES FOR ANY REASON IS SUBJECT TO DISQUALIFICATION IN THE SOLEAND ABSOLUTE DISCRETION OF THE SPONSOR AT ANY TIME. The Sponsor reserves the right, in its sole and absolute discretion, to disqualify any individual that it deems to be in violation of these Rules. The Sponsor reserves the right to refuse an Entry from any person whose eligibility is in question or who has been disqualified or is otherwise ineligible to enter. In its sole and absolute determination, the Sponsor may disqualify any person who acts in any manner to threaten or abuse or harass any person and to void all such person’s Entry.

The Sponsor reserves the right to terminate or amend this Contest at any time and in any way, without prior notice to Entrants. Without limiting the foregoing, if, for any reason, the Contest is not capable of running as originally planned for any reason, the Sponsor reserves the right to cancel the Contest and conduct a random draw from all previously received eligible entries received by October 30, 2026.

The Sponsor reserves the right, in its sole discretion, to amend or modify these Contest Rules, or modify, cancel or suspend this Contest, without prior notice for any reason whatsoever, including without limitation in the event that any cause beyond the reasonable control of the Sponsor corrupts, or threatens to corrupt, the security or proper administration of the Contest.

By entering this Contest, each entrant permits the Sponsor, its agents, promotional agencies and/or representatives to collect the information submitted with your Entry, Client Card Number and to use it to administer the Contest. If you have also consented to the use of your personal information for marketing and promotional purposes, you agree that the Sponsor may send you offers, promotions and information about its products and services. The Sponsor may communicate with you through various channels, including email, telephone, social media or mail, using the contact information you have provided for the purpose of administering this Contest and in accordance with the Sponsor’s privacy policy available at: meridiancu.ca/privacy.

In the event of any discrepancy or inconsistency between the terms and conditions of these Rules and disclosures or other statements contained in any Contest-related materials, including, but not limited to, any website(s), platform(s), point of sale, television, print or online advertising and/or any instructions or interpretations of these Rules given by any representative of the Sponsor, the terms and conditions of these Rules shall prevail, govern and control to the fullest extent permitted by law.

The invalidity or unenforceability of any provision of these Rules shall not affect the validity or enforceability of any other provision. In the event that any provision is determined to be invalid or otherwise unenforceable or illegal, these Rules shall otherwise remain in effect and shall be construed in accordance with the terms as if the invalid or illegal provision were not contained herein.

14. LAW:

The Contest is void where prohibited by law and is subject to all applicable Canadian federal, provincial, territorial, municipal and local laws. This Contest shall be governed exclusively by the laws of the Province of Ontario, including all issues and questions concerning the construction, validity, interpretation and enforceability of these Contest rules, rights and obligations between entrants and the Sponsor, and procedural provisions, without giving effect to any choice of law or conflict of law rules. Any dispute shall be adjudicated by the courts sitting in Toronto, Province of Ontario.

15. INTELLECTUAL PROPERTY:

All intellectual property, including but not limited to trademarks, logos, designs, promotional materials, web pages, source codes, images, drawings, illustrations, slogans and representations are owned by the Sponsor and/or the Sponsor has licensed the right to use such IP. All rights reserved. Unauthorized copying or use of any of the Sponsor’s intellectual property without the express written consent of the Sponsor is strictly prohibited.