NEO FINANCIAL MOBILE CHEQUE DEPOSIT CONTEST – OFFICIAL RULES

NO PURCHASE OR BANKING TRANSACTION NECESSARY (other than the Promotional Cheque deposit). VOID IN QUEBEC AND WHERE PROHIBITED BY LAW. A PURCHASE OR BANKING TRANSACTION WILL NOT INCREASE YOUR CHANCES OF WINNING.

The Neo Financial Mobile Cheque Deposit Contest (the “Contest”) is sponsored by Neo Financial Technologies Inc. (“Neo”, “we”, “our” or “us”). By entering the Contest, you agree to be bound by these official rules (the “Rules”) and by the decisions of Neo, which are final and binding on all matters relating to the Contest.

1. Definitions

In these Rules:

(a) “Contest Period” has the meaning given in Section 3.

(b) “Contest Feedback Form” means the official Contest feedback form made available to you through the unique link delivered to your Neo-registered email address or by in-app message.

(d) “Entry” means one valid entry into the Draw, earned through the Primary Entry Method or the No Purchase Entry Method.

(e) “Draw” means the random draw described in Section 6.

(f) “Neo Account” means an open Neo Chequing account held in the Eligible Entrant’s own name.

(g) “Prize” has the meaning given in Section 5.

(h) “Promotional Cheque” means the physical test cheque in the face amount of $[AMOUNT] issued and mailed by Neo to the Eligible Entrant for the purposes of the Contest. The face value of the Promotional Cheque will be credited to the Eligible Entrant’s Neo Account upon successful deposit.

2. Eligibility

2.1 The Contest is open only to individuals who, at the time of entry: (a) hold a Neo Account; (b) are legal residents of Canada, excluding the province of Quebec; and (c) have reached the age of majority in their province or territory of residence.

2.2 The following persons are not eligible to enter: employees, officers, directors and representatives of Neo, its affiliates, and its advertising, marketing and promotional agencies, and the household members of any of these persons, whether or not related.

2.3 Neo may require proof of eligibility at any time. An entrant who cannot provide satisfactory proof will be disqualified.

3. Contest Period

3.1 The Contest begins at 12:00:01 a.m. Mountain Time (“MT”) on November 16, 2026 and ends at 11:59:59 p.m. MT on December 15, 2026 (the “Contest Period”). Neo’s computer is the official timekeeping device for the Contest.

3.2 Neo will begin mailing Promotional Cheques on November 16, 2026. Neo is not responsible for any delay, misdirection or non-delivery of a Promotional Cheque. An Eligible Entrant who does not receive a Promotional Cheque may enter using the No Purchase Entry Method in Section 4.2.

4. How to Enter

4.1 Primary Entry Method. To earn an Entry through the primary method, you must complete both of the following steps:

(a) during the Contest Period, deposit your Promotional Cheque into your Neo Account using the Mobile Cheque Deposit feature in the Neo mobile app; and

(b) complete and submit the Contest Feedback Form.

Neo will deliver the Contest Feedback Form link no later than [five (5)] business days after the Eligible Entrant’s Promotional Cheque has been successfully deposited, and in any event no later than the last day of the Contest Period. The Contest Feedback Form must be completed within [three (3)] business days after the link is delivered. Completing both steps earns one (1) Entry.

4.2 No Purchase Entry Method. To enter without depositing a Promotional Cheque, mail a hand-printed entry to: [MAILING ADDRESS]. Your entry must include: (a) your full name; (b) the email address linked to your Neo Account; (c) your telephone number; (d) your province or territory of residence; and (e) an original, unique essay of at least [fifty (50)] words describing [how you manage your everyday banking]. Mail-in entries must be postmarked no later than [DATE] and received no later than [DATE]. Each complete and valid mail-in entry earns one (1) Entry. Mechanically reproduced entries will not be accepted.

4.3 Entry Limit. Limit of one (1) Entry per Eligible Entrant and per Neo Account during the Contest Period, regardless of the entry method used. If an Eligible Entrant submits more than one Entry, including multiple deposits, multiple Contest Feedback Forms, multiple mail-in entries, or an Entry through both methods, only the first valid Entry received will be counted and all subsequent Entries will be discarded.

4.4 Invalid Entries. Incomplete, illegible, late, automated, or mechanically reproduced entries, and entries that do not comply with these Rules, are void. All entries become the property of Neo and will not be acknowledged or returned.

5. Prizes

5.1 There are three (3) prizes available to be won (each, a “Prize”). Each Prize consists of one (1) $100 CAD gift card to The Keg Steakhouse + Bar, in digital or physical format at Neo’s discretion. The approximate retail value of each Prize is $100 CAD. The total approximate retail value of all Prizes is $300 CAD.

5.2 Prizes must be accepted as awarded. Prizes are non-transferable, cannot be assigned, and have no cash surrender value. If a Prize becomes unavailable for reasons beyond Neo’s reasonable control, Neo may substitute a prize of equal or greater value. Limit of one (1) Prize per Eligible Entrant.

5.3 Use of a gift card is subject to the terms and conditions of its issuer. The Keg Steakhouse + Bar is not a sponsor of the Contest and is not associated with its administration.

5.4 Prizes will be delivered to confirmed winners within [ten (10)] business days after confirmation under Section 6.

5.5 Any taxes, fees or other charges applicable to a Prize are the sole responsibility of the winner.

6. Odds, Draw and Winner Confirmation

6.1 Odds. The odds of winning depend on the total number of eligible Entries received through both entry methods by the end of the Contest Period.

6.2 Draw. On December 22, 2026, in Calgary, Alberta, Neo will randomly select three (3) potential winners from all eligible Entries received.

6.3 Notification. Neo will notify each selected entrant by email at the address linked to their Neo Account within two (2) business days after the Draw.

6.4 Conditions of Winning. Before being declared a winner, each selected entrant must:

(a) correctly answer, without assistance of any kind, a mathematical skill-testing question delivered by email together with the notification under Section 6.3, within [two (2)] business days of receipt; and

(b) sign and return Neo’s Declaration and Release form, confirming compliance with these Rules, acceptance of the Prize, and the release in Section 9, within five (5) business days after notification.

6.5 Forfeiture and Alternate Selection. A selected entrant forfeits the Prize if they: (a) do not respond to the skill-testing question within the time specified in Section 6.4(a); (b) fail to answer the skill-testing question correctly; (c) fail to return the signed Declaration and Release form on time; or (d) are found to be ineligible or in breach of these Rules. Neo will then randomly select an alternate entrant from the remaining eligible Entries, and this Section 6 will apply to that alternate entrant.

7. Personal Information

By entering, you consent to Neo and its authorized agents collecting, using and disclosing your personal information to administer the Contest, including verifying eligibility, contacting selected entrants, and delivering Prizes. Neo will not sell your personal information or disclose it to third parties, except to service providers administering the Contest on Neo’s behalf or as required by law. Contest Feedback Form responses may be used by Neo to improve its products and services. Personal information is otherwise handled in accordance with Neo’s Privacy Policy, available at [URL].

8. Publicity

By accepting a Prize, each winner consents to Neo using their name, city or town, and province or territory of residence in announcements and publicity about the Contest, in any media, for twelve (12) months after the Prize is awarded, without further notice or compensation.

9. Release

By entering, each entrant releases Neo, its affiliates, and its and their respective directors, officers, employees, agents and advertising and promotional agencies (the “Released Parties”) from all claims, losses and liabilities arising from participation in the Contest or the acceptance, use or misuse of any Prize, except to the extent caused by a Released Party’s negligence or wilful misconduct.

10. General Conditions

10.1 Modification, Suspension or Cancellation. Neo may modify, suspend or cancel the Contest, without prejudice to Entries already received, if technical issues, tampering, unauthorized human intervention, or other causes beyond its reasonable control affect the administration, security or fairness of the Contest or the Draw. Any modification will be posted at [CONTEST URL]. Neo will not make any change that affects the number or value of Prizes except as permitted by these Rules.

10.2 Mail and Technical Issues. Neo is not responsible for lost, stolen, late, illegible, mutilated, misdirected or postage-due mail, or for any failure of the Neo mobile app, networks, servers, email systems or other technology that prevents or delays an entry or notification.

10.3 Disqualification. Neo may disqualify any entrant who tampers with the entry process, submits false information, or otherwise breaches these Rules.

10.4 Conflict. If any Contest advertising or other material conflicts with these Rules, these Rules govern.

10.5 Governing Law. The Contest is subject to all applicable federal, provincial and territorial laws. These Rules are governed by the laws of the Province of Alberta and the federal laws of Canada applicable in Alberta. Each entrant attorns to the exclusive jurisdiction of the courts of Alberta for any dispute relating to the Contest.

10.6 Severability. If any provision of these Rules is found invalid or unenforceable, the remaining provisions remain in full force.

SHORT RULES (for advertising and in-app use)

No purchase or banking transaction necessary. Open to Neo Chequing account holders who are legal residents of Canada (excluding Quebec) and have reached the age of majority. Contest runs 12:00:01 a.m. MT November 16, 2026 to 11:59:59 p.m. MT December 15, 2026. Enter by depositing the Neo promotional cheque through Mobile Cheque Deposit and submitting the Contest Feedback Form, or by mail-in entry. Limit one (1) entry per person. Three (3) prizes available, each a $100 CAD The Keg Steakhouse + Bar gift card (total ARV $300 CAD). [Random draw December 22, 2026]. Odds depend on the number of eligible entries received. Correct answer to a mathematical skill-testing question required.