The following rules apply to the 2011 edition of the Canadian Securities Administrators' (CSA) "Financial Fitness Challenge" (FFC):

1) Contest Period
Contestants of the FFC may respond to online questions between February 15, 2011 at 9:00 am EST until April 15, 2011 at 11:59 pm EST, when the contest ends. No purchase is necessary to enter the contest.

2) Entry Submission
Contestants who are eligible to enter the FFC (see #8 below) will be able to fill out the entry form. Participants who are among the 60% who accumulated the most points on the national scale as well as on the provincial and territorial scales will be eligible for the random draws for a national grand prize and provincial and territorial prizes. The fields on the entry form marked with an asterisk are mandatory and must be completed in order for entry to be valid.

3) Finalists
On or about April 19, there will be one (1) entry randomly selected on the national scale and one (1) entry randomly selected per province and territory from among the 60% of entrants who accumulated the most points on the national scale and on the provincial and territorial scales. The maximum number of potential winners is 14. If there are fewer than five (5) entries from a province or territory, those entries will be combined with the entries from the province or territory that has the next fewest entries, and further combined if necessary in order to reach five (5) or more entries, and only one (1) entry will be randomly selected from the combined entries. The odds of winning depend on the total number of entries received in the national scale and in the applicable province or territory or in a combination of provinces/territories, if applicable.

4) Points

Points may be accumulated by:

• answering daily quiz questions (3 point per correct answer)

• using promo codes (3 points per code)

• inviting Friends who then sign up to the contest (2 points per friend to a maximum of 20 points)

5) Winners
Within four (4) weeks following his identification, a winner on the national scale will receive a prize of $2,000 CDN payable by cheque. A winner per province and territory will receive a iPad. Winners are responsible for any applicable taxes.

6) Notice to the winners
Each selected entrant will be notified by phone or by e-mail at the number or address provided in his/her entry within five (5) business days of the draw. Selected entrants must respond within 72 hours of the contest organizers' notification.

7) Conditions
A selected entrant will not be declared a winner until he/she has: (i) together with his/her parent or legal guardian (if selected entrant is a minor), completed, signed and returned the declaration and release documentation forwarded by the contest organizers within [two (2) weeks] of receiving them; (ii) otherwise complied with these contest rules; and, (iii) correctly answered, without aid or assistance, a time-limited mathematical skill-testing question to be administered at a pre-arranged time by telephone.

8) Default
Should a selected entrant not respond within 72 hours of the notification or fail to satisfy the above conditions, his/her entry may be declared null and void and another entry will be randomly selected from the remaining entries on the national, provincial or territorial applicable scale or combination of provinces/territories, as applicable.

9) Eligible participants
The FFC is open to all Canadian residents who are between the ages of 15 and 21 (inclusive) on the date their entry is submitted. Staff of the CSA and its member securities regulators and their immediate families are not eligible to enter. Proof of age and province/territory of residence acceptable to the contest organizers will be requested and must be provided by selected entrants prior to being awarded a prize.

10) Participant identity
In the event of a dispute as to who submitted an entry, the entry will be declared made by the Authorized Account Holder of the e-mail address submitted at the time of entry. "Authorized Account Holder" is defined as the individual to whom an email address is assigned by the organization that is responsible for the domain. The use of any automated equipment to participate in this contest is prohibited. All entries are subject to verification by the contest organizers. Proof of sending an entry will not be deemed proof of receipt.

11) Acceptation of the conditions
By entering, contestants agree to accept, abide by and acknowledge compliance with these rules, including but not limited to all eligibility requirements, and the decisions of the contest organizers which are final and binding on all contestants with respect to all aspects of the FFC. The FFC is subject to all applicable federal, provincial and municipal laws. Void where prohibited.

12) Exclusion of a participant
The contest organizers reserve the right to prohibit an individual from participating in the FFC or winning a prize, if, in their sole discretion, it is determined that the individual is attempting to undermine the legitimate operation of the contest.

13) Organizer disclaimer (1)
The contest organizers are not responsible for technical, hardware or software failures of any kind; lost or unavailable telephone or network connections; traffic congestion in the Internet or website; failed, incomplete, misdirected, garbled or delayed computer or network transmissions, or any other situation that may limit an individual's ability to participate in the FFC.

14) Organizer disclaimer (2)
The contest organizers are not responsible or liable for unsuccessful attempts to notify selected entrants or for entries or declaration and release forms which are delayed, lost, stolen, illegible, damaged, misdirected, postage due or incomplete. The contest organizers are not responsible for and will not replace prize cheques or mini notebooks that are lost, stolen or damaged.

15) Contest modifications
The contest organizers reserve the right to modify, suspend or cancel any portion of this contest or the contest in its entirety for any reason at their sole discretion.

16) Use of names and photos of the winners
By accepting a prize, winners agree to the use of their name and photograph by the CSA and/or any provincial or territorial securities regulator in any announcements made in respect of the FFC and in any future educational and informational initiatives, without additional compensation.

17) Publication of the winning names
Names of prize winners will be posted on the CSA website and/or on the websites of the provincial and territorial securities regulators in May 2011.

18) Personal information
Personal information collected in the FFC by the contest administrator on behalf of the CSA will be used only for the purpose of administering this contest. By entering the FFC, all contestants acknowledge and agree that the personal information they have provided will be maintained on the servers and will only be accessible to those responsible for hosting and maintaining the contest web site and/or administering the FFC. All contestants may access any personal information they entered on an entry form and request amendment of any inaccuracies. For more details, please contact :

CSA-ACVM Financial Fitness Challenge
c/o Marissa Rignanesi
New Brunswick Securities Commission
Commission des valeurs mobilières du Nouveau-Brunswick
85 rue Charlotte St
Suite / Bureau 300
Saint John, NB E2L 2J2
Fax / Téléc. : (506) 658-3059
www.nbsc-cvmnb.ca

For the purposes of these rules "immediate family" includes parents, siblings, children, spouse, domestic partner, mother-in-law and father-in-law, as well as anyone residing with any of the above.

The FFC is organized and administered by the CSA (contest organizers). The CSA, the council of the securities regulators of Canada's provinces and territories, co-ordinates and harmonizes regulation for the Canadian capital markets.

"Hints" are provided as guides only and the CSA does not endorse the services or products offered by institutions where web sites have been provided, nor does the CSA guarantee the accessibility or accuracy of the content of these web sites.

How to Play

It's easy: it's a quiz.

When you answer questions, you'll immediately know whether you gave the right answer!

There's no time limit, so take your time before answering! Need help? Ask your friends!

How does the game work? It's easy! Answering questions correctly earns you three points. When you register and login for the first time, you can answer up to 5 questions. After that, each time you login you can answer one question per day, but you can catch up and answer questions from previous days if you have entered the contest late. If you help a friend answer a question they're having trouble with, you earn 2 points. For each promo code that you enter you earn points. Find promo codes on Facebook, Twitter and in the Online Training section. Don't forget - the more points you earn, the better your chances of winning! Check out your provincial and national ranking in the Statistics section.

Don't forget to complete your profile.