Contest rules

1. Contest

The contest (the “Contest”) is organized by Industrial Alliance Insurance and Financial Services Inc. (the “Contest Organizer”). It will take place in Canada from December 4, 2025, to December 18, 2025, the date on which the entry period ends at the time of the draw, which will be held at 2:00 pm (Eastern Time).

One prize will be awarded as part of the Contest for each of iA Financial Group's Facebook pages (one prize for the French-language page, one prize for the English-language page). The winner will be selected by random draw on December 18, 2025. See Article 6 for more details.

2. Eligibility

The Contest is open to residents of Canada who have reached the age of majority in their province of residence at the time of the draw.

Group insurance or retirement savings plan sponsors and administrators, employees of the Contest Organizer or its subsidiaries, as well as financial security advisors or representatives under contract with the Contest Organizer or its subsidiaries, and any persons residing with these employees, advisors or representatives, are not eligible to enter the Contest.

3. How to enter

To enter the Contest, simply like the Contest-related post on iA Financial Group’s Facebook page (English or French page) and answer the question asked in the comments section.

The Contest includes one post published on December 4, 2025. A draw will be held on December 18, 2025, at 2:00 pm (Eastern Time) to determine the winner who will receive the Prize. Only one entry per person is allowed. A person who enters the Contest and wins on the French-language page cannot enter and win on the English-language page, and vice versa. See Article 6 for more details.

4. Consent to the use of personal information

By entering this Contest, the Entrant authorizes the Contest Organizer to collect and use the Entrant’s full name, email address, city, postal code and telephone number and, if applicable, to provide this information to a specialized company for the purpose of conducting the draw and awarding the Prize, if applicable.

For more information, please see the Contest Organizer’s Privacy Notice at https://ia.ca/privacy-policy.

5. Prizes

One prize will be awarded as part of the Contest for each of iA Financial Group's Facebook pages (one prize for the French-language page, one prize for the English-language page). The individual value of the prize is $500 each (the “Prizes”).

The Prize awarded as part of the Contest consists of a $500 Sports Experts gift card for the French-language Facebook page draw, and a $500 Amazon gift card for the English-language Facebook page draw.

The draw will take place on December 18, 2025, at 2:00 pm (Eastern Time) and will be conducted randomly among all eligible entrants who entered in accordance with the conditions outlined in the Contest posts.

The Prize must be accepted as awarded and cannot be transferred to another person or exchanged for another good or service.

Only one winning entry per person is allowed per Facebook page.

6. Draw

The random draw will be conducted by a designated representative on December 18, 2025, at 2:00 pm (Eastern Time), at the Contest Organizer’s head office, located at 1080 Grande Allée West, Quebec City, Quebec, G1K 7M3, among all eligible entries received up to and including December 18, 2025, in accordance with the conditions outlined in the Contest posts.

The Contest-related post will be published on the Facebook pages of iA Financial Group December 4, 2025. The draw may be held virtually via the Contest Organizer’s professional Teams platform if circumstances prevent it from taking place physically at the head office.

7. Odds of winning

Entrants may submit one entry on the Contest-related post published on December 4, 2025 per Facebook page, and may do so until the draw on December 18, 2025, at 2:00 pm (Eastern Time). Only one entry per Facebook page per person is allowed (one prize for the French-language page, one prize for the English-language page).

The odds of winning depend on the total number of eligible entries received by the Contest closing date, which is December 18, 2025.

8. Claiming the Prize

The Contest Organizer will announce the winners in the comment section of the Contest-related post and will invite them to contact the Organizer via private message on iA Financial Group’s Facebook page. Once contact is established, the Organizer will follow up with the winner by email to provide further instructions.

To be declared a winner, the selected entrant must correctly answer, without assistance and within a specified time frame, a mathematical skill-testing question sent by email. The entrant must also complete and return a liability release form within the prescribed deadline.

Any entrant who fails to correctly answer the skill-testing question, does not return the required form, or cannot be reached within two weeks following the draw will forfeit their prize. That entrant will be disqualified from the Contest, and a new draw will be held within a reasonable time to award the Prize. This process will be repeated until an entrant is declared a winner in accordance with these rules.

The Prize will be awarded by the Organizer according to the terms specified by email at the time of winner confirmation. The declared winner will be responsible for any tax implications or other consequences resulting from accepting the Prize.

9. Decisions and disputes

All decisions of Contest administrators are final.

10. Contest modifications

The Contest Organizer reserves the right, at its sole discretion, to cancel, terminate, modify or suspend this Contest, in whole or in part, if an event or any human intervention occurs that could corrupt or interfere with the administration, security, impartiality or conduct of the Contest, as provided for in these Contest rules. In all cases, the Contest Organizer, its subsidiaries, advertising and promotional agencies, suppliers of products or services related to the Contest as well as its employees, agents and representatives, shall not be required to award one or more prizes other than in accordance with these Contest rules, without any liability whatsoever, where events beyond its control prevent it from continuing with the Contest as specified in these Contest rules.

11. Prize acceptance and substitution

The Prize cannot be transferred to another person or exchanged, in whole or in part, for cash or any other good or service. However, in the event that, for reasons beyond its control and unrelated to the winner, the Contest Organizer is unable to award the Prize as originally planned, it reserves the right, at its sole discretion, to award a prize of a similar nature and equivalent value, or the cash equivalent of the Prize.

12. Limitation of liability

By participating in the Contest, entrants confirm their agreement to these rules and release Industrial Alliance Insurance and Financial Services Inc. and its affiliates, its employees, agents, representatives and subsidiaries from any unforeseen financial or tax consequences, damages, injuries or losses they may incur as a result of participating in the Contest or accepting, possessing, using, refusing or failing to receive a prize.

Entrants also release Industrial Alliance Insurance and Financial Services Inc. and its affiliates, employees, agents, representatives and subsidiaries from any liability related to: a) any malfunction, failure or difficulty of any kind with computer or electronic equipment, software, networks, websites, the Internet, social platforms or computers; b) defective, incomplete or delayed data transmissions; c) lost, late, incomplete or erroneous entries; d) alterations, thefts, failures of computer or electronic equipment or typographical errors.

The Contest Organizer, its employees, agents and representatives are not responsible for any damage or loss that may result from the use of social platforms or any digital tools in connection with participation in the Contest. The Contest Organizer remains the sole owner of all entry materials at all times. Only the winners will be contacted via public comment and private message on Facebook, followed by email, and informed of the conditions related to receiving the Prize.

13. Applicable laws

The Contest is subject to all applicable federal, provincial and municipal legislation as well as to these Contest rules, which are available in French and in English on the Contest website or from the Contest Organizer at the address mentioned in article 6.

Participation in the Contest, as well as Entrants’ consent to enter and comply with the Contest rules, is governed by the applicable laws of the province of Quebec and the federal laws of Canada. By participating, Entrants agree to submit to the exclusive jurisdiction of the courts of Quebec.

14. Severability

Where a paragraph of these Contest rules is declared or judged illegal, unenforceable or invalid by a competent jurisdiction, the paragraph in question will be considered void, but all other unaffected paragraphs will be applicable to the extent permitted by law.