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OLG is only available to players at least 19 years of age or older, that reside within the province of Ontario. Popular casinos

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PlayOLG was launched in 2015 to cater to Canadian players residing within the provence of Ontario. It is perhaps one of the most played at online casinos with a base in Canada.

Wagering requirements stand at x10, which is very competitive when compared to other casinos.

The only downside is the rather limited choice of games. Although they keep expanding their games collection, it does not compare to other casinos.

The casino offers a full customer support service with a 24/7 team available through live chat, phone and mail.

PlayOLG is the only regulated online gambling platform in Ontario, exclusively for Ontario players! Find online slots, popular table games, video poker, lottery tickets, and more!

PlayOLG Casino Review

Calling all residents of Ontario!

Looking for an online casino that is government-owned, where you can participate in a number of gambling activities? All on a platform that is regulated and secure?

Playolg.ca is such a platform.

Owned and regulated by the Ontario Lottery and Gambling Corporation, the OLG online casino was launched in 2015 and has held the online gambling monopoly聽in the province of Ontario since then.

Here at Canadacasino.ca, we have visited Playolg.ca, and we鈥檝e explored this Canadian gambling site to see what it offers to the local residents of Ontario. What is OLG?

Playolg.ca is the first regulated online gaming platform in the Canadian province of Ontario.

It was established to provide the local residents of B-Town with an online casino that satisfies all of their gambling needs while attempting to prevent Ontarians from joining an offshore gaming site.

Accessible only to citizens of Ontario, PlayOLG聽offers聽a selection of lottery games, online slot games, instant games and table games.

The site comes complete with a player protection program and 24/7 customer service.

The OLG online casino lists player protection, secure transactions and data privacy as their top priorities.

They use some of the best technology to ensure personal information and transactions are secure.

Furthermore, PlayOLG聽online casino鈥檚 net proceeds are used by the Ontario government to support the local community by building schools, funding hospitals and funding charitable programs for the people of Ontario. OLG Mobile App

This year saw the launch of a mobile app called PlayOLG for both iOs and Android hand-held devices. The app brings on the go a number of slot games, table games, and progressive jackpot games.

Perfect for when you鈥檙e stuck in the drive-thru at Timmies!

While not all games found on the website are available on the app, the majority seem to be there.

Downloading the app is quite easy, however, you still need to register first on the actual website from a desktop computer to be able to gain access to the app. OLG聽Online Casino Games

PlayOLG offers a variety of games, most of which are by one of the most respected gaming providers in the world: IGT (International Game Technology).

The selection of games available is decent and includes a small number from Bally Technologies and Boss Media.

Compared with an offshore casino鈥檚 games collection which usually is over 2000, the number of games available here only adds up to around 100.

OLG online casino allows visitors to buy tickets for the three lotteries: Lotto Max, Lotto 649 and Encore.

Players can check the winning numbers from the site, while winners are notified by email and the prize credited to their PlayOLG聽online account.

One interesting section that we do not often see in an offshore casino is the Instant game section.

Here, Ontarians can find games that provide instant results like Keno!

Other games that feature in this section are those where matching symbols are revealed in a set up similar to that of a slot and depending on the symbols revealed, you win the amount associated with that particular symbol.

Last but not least, Playolg.ca also offers a selection of the typical games one finds at other international online casinos: slot games, progressive jackpots, Roulette, Blackjack, Poker, Hold鈥檈m, Baccarat, video poker and horse racing.

With the latter, players who wish to place bets on horse races will be directed to the Ontarioracing.com site as PlayOlg does not offer their own horse racing betting. IGT slots

IGT (International Game Technology) is one of the oldest and most respected gaming providers in the world. Established in 1981 they鈥檝e been building casino software for the US and land-based casinos for a while.

They specialize in providing online casinos with slot games like the incredibly popular Cleopatra slots and various table games.

At the OLG online casino, many of the games featured are by this provider as the Ontario Lottery and Gaming Corp has a long-term contract with IGT. OLG聽Slots Online vs Offshore Casinos Slot Games

While visiting PlayOLG, we noted that although their game selection is rather small compared with an international casino, the games available are still interesting and fun.

Each game is accompanied by details about the theme, payline, minimum and maximum bet, bonus and free spins, a description, and a return to player percentage.

Like most online casinos, games can either be played in demo mode or else played with real money.

OLG slots online can be played for as little as $.10 or for a maximum bet of $250 per spin.

As most of the games are from IGT, the slot games are innovative, with attention to detail, beautiful design, and excellent features.

The selection offers plenty of variety and includes some of IGT鈥檚 jackpot slots as well.

There is plenty to enjoy playing the slots available.

The only difference we could find between OLG online casino slots and an offshore gaming site slot collection is the volume of slot games available. Comparison between OLG and an offshore casino PlayOLG

Offshore casinos

Small selection of games

A vast selection of games

Accepts Canadian Dollars

May not accept Canadia Dollars

Only one promotion at present

Several promotions throughout the year

Accepts only Credit & Debit Cards

Accepts e-wallets and cryptocurrencies

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Holds tournaments

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Playolg.ca offers all those players that sign up for an account an interesting welcome bonus package that consists of a 100% deposit match of up to $100 for the first three deposits.

The bonus money comes with a wagering requirement of 10 times, which is quite competitive when considering that most international casinos offer bonus offers with wagering requirements of x30 or higher.

What we failed to find was any regular promotions for already existing players or a loyalty program.

The closest thing we found that rewards players are the OLG Connect Player Panel.

By agreeing to participate in online surveys and focus groups for research purposes to improve the online casino, players can be rewarded.

The type of rewards is not specified on the OLG online casino聽website, but we can assume it would be worthwhile. OLG聽Online Casino Security and Player Protection

As a government-regulated online casino, PlayOLG online casino聽has invested heavily to provide聽its players with a protection program.

Known as PlaySmart, it was designed to provide players with information about gambling and help players make smart choices.

The PlaySmart program has also provided 4 tools, whereby players can set budgets and time limits, schedule breaks and manage their risk profile for a safer gambling experience.

PlayOLG online players who believe they are developing a gambling problem can opt to apply for Self-exclusion, whereby players can no longer log in to their account to play anymore and they are removed from any marketing mailing lists.

OLG online casino takes a strong stand against underage registration.

To prevent underage gambling, PlayOlg casino has created a registration process that includes age verification.

One step that offshore casinos don鈥檛 include in their registration but that PlayOlg online casino requires is requesting occupation details, as a way to understand who their customers are and verify their eligibility.

With OLG online casino, players 18 years of age can only buy lottery tickets, while to play the casino games, players have to be 19 years of age and over. Banking with OLG

While offshore casinos tend to support a combination of payment methods from credit cards, bank transfers, and e-wallets,聽with PlayOLG聽the payments supported are limited to debit and credit cards without faster options like e-wallets.

Deposits are available in your account straight away, however, withdrawals can only be done through Electronic Funds Transfer which would take 3-5 working days.

Furthermore, OLG online also requires a copy of an original bank statement that has been downloaded from the player鈥檚 bank鈥檚 website and needs to include the bank name, transit, and account number as well as the name and address, which must be identical to the registered details.

If a player cannot provide a statement, a number of documents are required, although the preferred option would be the statement.

For some players going through all of this just to withdraw their funds might seem like too much hassle, however, the idea behind the whole procedure is to comply with regulatory requirements. Customer Care at OLG

Players at PlayOLG聽can contact the online platform鈥檚 customer service either by phone, live chat or email. All three options are available 24/7, with phone calls and live chats answered right away and emails answered within 24 hours.

The website also features an extensive FAQ section that covers some of the most frequently asked questions and covers a lot of the issues players may encounter.

A number of video tutorials are also available to assist players while registering, claiming bonuses and affecting deposits.

The video sections also included tutorials on how to download the mobile app and start using it as well as a number of videos that showcase how to play games like slots, Roulette, Lotto Max and many others. OLG Casino Locations

Apart from its online casino, the Ontario Lottery and Gaming Corp also own a number of land-based casinos all over Ontario. Central Ontario

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By far, PlayOLG is the most popular casino online among the local residents of Ontario! Many are those who have registered and enjoy the numerous games within its collection.

It may not have the vast number of games that usually characterize an offshore gaming site, but there is definitely a lot to enjoy.

OLG online casino is always improving by adding new types of games and features.

As it is a government-owned site it offers additional security and a player protection program that educates and helps players avoid gambling problems.

What鈥檚 more, revenue from this online gaming platform is used to fund schools, hospitals and other charitable programs.

All in all, it is proving to be quite competitive against offshore casinos, and with additional improvements, it could attract more players.

To delete your account, you need to contact customer support via the live chat available on their website. An agent should be able to give you directions or close your account and transfer any available funds back to you.

PlayOLG is run by the Government of Ontario and thus the site is open only to players from the province of Ontario.

Yes! PlayOLG is the only online gambling platform licensed in the province of Ontario. It is in fact, run by the government.

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OLG | Ontario’s Online LOTTERY, CASINO & SPORTS 2022 Skip to main content

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This website is for the use of adults in the Province of Ontario, Canada. Lottery and charitable gaming products are only available to those persons 18 years of age and over, while casinos and slot Promotions facilities in Ontario are restricted to those persons 19 years of age and over. >

LOTTERY PROMOTIONS HEADLINE

1 INTRODUCTION

This聽OLG.ca Player Agreement聽鈥 Terms and Conditions of Use聽for聽OLG.ca聽contains the terms and conditions that govern the use of OLG’s聽OLG.ca聽online gaming聽platform. By checking the聽鈥渁ccept鈥溌燽ox,聽an Intending Player,聽Prospective Player,聽or a Player is聽confirming聽that聽they聽understand and agree聽to be bound by聽the terms and conditions of this聽Agreement. If聽a Prospective Player, Intending Player,聽or a Player does not聽agree with any of the terms and conditions of this聽Agreement,聽the individual聽(i)聽is聽not聽permitted聽to聽register an account with聽OLG.ca, and (ii)聽if聽the individual聽already has聽a Player Account (as defined in Section聽2聽below),聽they are聽not permitted聽to聽log into聽their聽Player Account聽and聽play any聽Games聽or purchase any products that are offered聽on聽or through聽OLG.ca.

OLG reserves the right to revise聽this聽Agreement from time to time聽in such manner聽as OLG, in its sole discretion, determines to be appropriate. OLG will post a notice on聽OLG.ca advising聽Players when聽this聽Agreement has been revised, and聽Prospective Players (prior to registering an account with聽OLG.ca), Intending Players (prior to聽completion of the聽registration for a聽Player Account)聽and Players (prior to logging into their Player Account)聽will be required聽to acknowledge and agree to be bound by the revised terms and conditions聽from and after that date. Each Prospective Player, Intending Player,聽and Player聽is聽responsible for familiarizing聽themselves聽with聽all of聽the terms and conditions of this聽Agreement聽and ensuring that聽they聽understand聽and agree to be bound by聽them prior to聽registering an account with聽OLG.ca聽or聽logging-in to their聽Player Account.

In the case of a Prospective Player, Intending Player,聽or a Player聽breaching聽or otherwise聽failing聽to comply with the terms and conditions of this Agreement,聽OLG will have the right to exercise聽any or all of聽the remedies聽described in this Agreement聽or otherwise available to it at law or in equity. Those remedies may include, for example,聽(i)鈥痶he right聽to terminate聽a Prospective Player’s, Intending Player鈥檚,聽or a Player’s聽eligibility to聽register or maintain a Player Account,聽(ii)鈥痶o聽lock,聽Suspend,聽and/or聽Deactivate聽a聽Player Account, and聽(iii)鈥痶o retain any or all Unutilized Funds聽(as defined in聽Section鈥2 below)聽associated with a Player Account.

THIS IS AN IMPORTANT DOCUMENT THAT GIVES UP SOME OF YOUR LEGAL RIGHTS, PLEASE READ WITH CARE. THIS AGREEMENT CONTAINS LIMITATIONS OF LIABILITY INCLUDING LIMITING OLG鈥橲 LIABILITY TO YOU FOR NEGLIGENCE. 2 DEFINITIONS

The following terms have the respective meanings specified below, and grammatical variations of such terms have corresponding meanings:

鈥 AGCO鈥澛爉eans the聽Alcohol聽and Gaming Commission of Ontario and the successors thereof;

鈥 AGCO Standards鈥 means the聽Registrar鈥檚 Standards for Gaming聽and the聽Registrar鈥檚 Standards for Gaming: Lottery Sector, as聽prepared and issued by the Registrar of the AGCO, as amended or replaced from time to time;

鈥 AGCO iGaming Standards鈥 means the聽Registrar鈥檚 Standards for Internet Gaming;

鈥 Agreement鈥澛爉eans this聽Player Agreement聽鈥 Terms and Conditions of Use for聽OLG.ca, as amended聽or replaced聽from time to time聽by OLG;

鈥 Bonus Funds鈥澛爉eans a notional聽amount corresponding to Canadian dollars聽that is loaded into a Player Account by OLG.聽Bonus Funds,聽subject to the applicable Bonus Funds Terms,聽can be used by a Player to play聽Pay-to-Play Games or Draw-Based聽Lottery聽Games Played聽Online,聽or both, without charge to the Player;

鈥 Bonus Funds Terms鈥澛爃as the meaning specified in Section鈥8.1. Subject to Section鈥3聽of this Agreement, the Bonus Funds Terms are incorporated into and form part of this Agreement;

鈥 Break鈥澛爃as the meaning specified in聽the Responsible Gambling and Self-Exclusion聽Policy;

鈥 Business Day鈥澛爉eans any day other than a Saturday, a Sunday, a statutory holiday in Ontario or any day on which banks are not open for business in Toronto, Ontario;

鈥 Chargeback鈥澛爃as the meaning specified in Section鈥6.4;

鈥 Closed Account鈥澛爉eans a Player Account that is described in聽Section聽11.1;

鈥 Close鈥澛爋r聽鈥 Closure鈥澛爉eans the act of a Player closing their Player Account聽as described in Section聽11.1;

鈥 Deactivate鈥澛爋r聽鈥 Deactivation鈥澛爉eans that a Player Account has been set to a Deactivated Account as described in Section聽12.2;

鈥 Deactivated Account鈥 has the meaning specified in Section聽12.2;

鈥淒irect Pay鈥 means the online payment for the purchase of Draw-Based Lottery Games Played Online (subject to system availability), executed through the permitted payment card of the Player without the need to fund the Player Account, rather than through the use of Unutilized Funds and/or Bonus Funds.

鈥 Dormant Account鈥澛爉eans聽a Player Account that is described in Section鈥10.2聽but does not include the Player Account of a Self-Excluded Individual;

鈥 Downtime鈥澛爃as the meaning specified in Section鈥15.2;

鈥 Draw-Based聽Lottery聽Game Played Online鈥澛爉eans any of the games made available through聽OLG.ca聽from time to time聽that: (i)鈥痗onstitutes a聽鈥渓ottery scheme鈥澛爁or purposes of the聽Criminal Code聽(Canada), (ii)鈥痳equires the Player to聽select a聽set of numbers聽or other play elements聽(whether chosen by the Player聽and/or聽randomly generated), and (iii)鈥痟as its outcome or result being determined by a draw, but does not include any Pay-to-Play Game or any Play-for-Free Game.

鈥 Error鈥澛爃as the meaning specified in Section鈥15.1;

鈥 Error Funds鈥澛爃as the meaning specified in Section聽15.1;

鈥 Event鈥澛爃as the meaning specified in the applicable Pay-To-Play Game Rules;

鈥 Excluded Individual鈥澛爉eans聽an聽individual who聽is聽not permitted to聽register an account with聽OLG.ca聽or, if聽the聽individual already has a Player Account, to maintain that Player Account聽in an activated state, including:

鈥 an聽individual who does聽not satisfy all of the eligibility criteria that are described in Section鈥4.1聽of this Agreement;

鈥 an聽individual who has聽been excluded from聽OLG.ca by court order or any applicable law or regulation or any rule or policy enacted pursuant thereto, including the AGCO Standards;

鈥 an individual who is prohibited from accessing a gaming site or playing lottery schemes under Standard 3.01 or Standard 3.01.1 of the AGCO iGaming Standards, or any other relevant provision of the AGCO iGaming Standards or AGCO Standards, from time to time;

鈥 an individual who has聽registered for Self-Exclusion from a Casino (as defined in the AGCO聽Standards), for the duration of the period of Self-Exclusion聽(see聽the Responsible Gambling and Self Exclusion Policy聽for further information);

鈥 a Self-Excluded Individual;

鈥 an individual who is an employee of OLG or who, by contract or another arrangement with OLG, is prohibited from registering an account with聽OLG.ca; and

鈥 an individual who is an employee of an聽鈥渋Gaming vendor鈥澛爋r聽鈥渁n iGaming entity鈥澛(as such terms are defined in the OLG Rules Respecting iGaming Lottery Games聽as聽amended or replaced from time to time).

鈥 FINTRAC鈥澛爉eans the聽Financial Transactions and Reports Analysis Centre of Canada聽and the successors thereof;

鈥 Future Game Transaction鈥澛爃as the meaning specified in Section聽5.2;

鈥 Games鈥澛爉eans, collectively, Draw-Based聽Lottery聽Games Played Online, Pay-to-Play Games and Play-for-Free Games;

鈥 iGaming System鈥澛爉eans the system聽that is聽used by OLG聽for the purpose of registering and administering Player Accounts, facilitating聽the playing of Games by Players,聽and paying聽as;

鈥 Inactive Account鈥澛爉eans聽a Player Account that is described in Section鈥10.1聽but does not include the Player Account of a Self-Excluded Individual;

鈥 Intending Player鈥澛爉eans an individual described in Section鈥4.1;

鈥 Lottery Game Rules鈥澛爉eans any terms, conditions, explanations, rules and procedures, including the prize structure, issued by OLG or the Interprovincial Lottery Corporation from time to time (in addition to this Agreement) which apply to聽a聽Draw-Based Lottery Game Played Online and聽which are designated by OLG as Lottery Game Rules. Subject to聽Section鈥3, the Lottery Game Rules are incorporated into and form part of this Agreement;

鈥 Mobile Applications鈥澛爉eans聽any聽application developed by聽or on behalf of聽OLG that Prospective Players and Players can install on their mobile device, such as mobile phone聽or tablet,聽and聽through which聽select聽Games are made available to eligible Players from time to time;

鈥 Multi-Factor Authentication鈥 has the meaning specified in Section 4.4.

鈥 Time-based One-time Password鈥 has the meaning specified in Section 4.4.

鈥 OLG鈥澛爉eans Ontario Lottery and Gaming Corporation聽and the successors thereof;

鈥 OLG.ca鈥澛爉eans OLG’s websites and Mobile Applications through which select Games are made available to eligible Players from time to time;

鈥 OLG Internet Gaming Privacy and Cookie Policy鈥澛爉eans the OLG.ca聽cookie and聽privacy聽policy, as amended or replaced by OLG from time to time. Subject to Section 3, the OLG Internet Gaming Privacy and Cookie Policy is incorporated into and forms part of this Agreement;

鈥淥LG IP Rights鈥澛爃as the meaning specified in Section鈥14.3;

鈥淧ay-to-Play Game鈥澛爉eans any of the games or products made available through聽OLG.ca聽from time to time聽that: (i)聽constitutes a聽鈥渓ottery scheme鈥澛爁or purposes of the聽Criminal Code聽(Canada), (ii)聽requires the Player to place a bet or make a wager as a condition to entering the game, and (iii)聽affords the Player a chance to win a Prize but does聽not聽include any Draw-Based聽Lottery聽Game Played Online or any Play-for-Free Game. Examples聽of Pay-to-Play Games include Sports Betting Games Played Online and casino style games such as roulette and slots;

鈥淧ay-to-Play聽Game聽Rules鈥澛爉eans the terms, conditions, explanations, rules and procedures (for example, how a Prize is won, the value and odds of winning Prizes for an individual Pay-to-Play Game, the Prize tiers within a Pay-to-Play Game) issued by OLG from time to time (in addition to this Agreement) which apply to a particular Pay-to-Play Game聽and which are聽designated聽by OLG as Pay-to-Play Game Rules. Subject to聽Section鈥3, the Pay-to-Play Game Rules are incorporated into and form part of this Agreement;

鈥淧layer鈥澛爉eans an individual聽(for certainty, other than an聽individual who is or becomes an聽Excluded Individual)聽who has successfully registered a Player Account that has not been聽Suspended,聽Deactivated,聽or聽Closed;

鈥淧layer Account鈥澛爉eans a Player’s account聽of notional funds corresponding to Canadian dollars that is聽maintained on the iGaming System, and also includes the Player’s registration information, deposit and withdrawal transaction history,聽and聽game-play information that the Player can access through聽OLG.ca from time to time;

鈥淧layer Contact Information鈥澛爉eans a Player’s contact information that is associated with a Player Account and stored in the iGaming System at the relevant time including, for example, the Player’s name, e-mail address, mailing address and telephone number;

鈥淧layer-Initiated Transaction鈥澛爃as the meaning specified in Section鈥10.1;

鈥淧lay-for-Free Game鈥澛爉eans any of the free games made available through聽OLG.ca from time to time that聽contain聽some聽the features of聽a聽鈥渓ottery scheme鈥澛爁or purposes of the聽Criminal Code聽(Canada) but聽do聽not聽afford a chance to win a Prize聽or require any payment to play;

鈥淧layer Support鈥澛爉eans聽OLG.ca’s聽customer support services, which can be contacted in accordance with Section鈥18.1;

鈥淧rize鈥澛爉eans a prize won by a Player from a Game in accordance with the applicable聽Lottery聽Game Rules聽or Pay-to-Play Game Rules;

鈥淧rospective Player鈥澛爉eans any individual who visits聽OLG.ca but is not a Player;

鈥淩esponsible Gambling and Self-Exclusion Policy鈥澛爉eans the OLG聽responsible聽gambling policy relating聽specifically聽to OLG.ca, as amended or replaced by OLG from time to time. Subject to Section鈥3,聽the Responsible Gambling and Self Exclusion Policy聽is incorporated into and forms part of this Agreement;

鈥淪elf-Excluded Individual鈥澛爃as the meaning specified in聽the Responsible Gambling and Self-Exclusion Policy;

鈥淪elf-Exclusion鈥澛爃as the meaning specified in聽the Responsible Gambling and Self-Exclusion Policy;

鈥淪ports Betting Games Played Online鈥 means Pay-to-Play Games made available through OLG鈥檚 online sports betting platform.

鈥淪uspended Account鈥澛爃as the meaning specified in Section聽12.1;

鈥淪uspend鈥澛爋r 鈥淪uspension鈥澛爉eans that a Player Account has been set to a聽Suspended聽Account as described in Section聽12.1;

鈥淯nutilized Funds鈥澛爉eans any聽notional聽funds聽corresponding to Canadian dollars that are credited to a Player聽Account, including聽Prizes聽but excluding Bonus Funds, that聽have聽not聽been聽used by the Player;聽and

鈥淯sername and Password鈥澛爉eans a unique combination of identifiers created by a Player that is used by聽a Player to identify聽themselves聽to the iGaming System each time the Player wants to access their Player Account. 3 ADDITIONAL DOCUMENTS COMPRISING PART OF THIS AGREEMENT

This Agreement incorporates by reference the terms, conditions, policies, statements and explanations of other documents, including:

鈥 the applicable Lottery Game Rules and Pay-to-Play Game Rules;

鈥 the Responsible Gambling and Self-Exclusion Policy;

鈥 the applicable Bonus Funds Terms;

鈥 OLG Internet Gaming Privacy and Cookie Policy;

鈥 any applicable website user agreement; and

鈥 any applicable mobile application user agreement.

In the event of any conflict or inconsistency between any provision of this Agreement and any of such other terms, conditions, policies, statements and explanations, the order of precedence shall be in descending order of clauses i. to vi. above, except that this Agreement, any applicable website user agreement and any applicable mobile application user agreement shall rank below the applicable Lottery Game Rules and Pay-to-Play Game Rules for such purpose. 4 REGISTRATION OF A PLAYER ACCOUNT 4.1 ELIGIBILITY TO REGISTER A PLAYER ACCOUNT

Only Players are allowed to play聽Draw Based Lottery Games Played Online, Pay-to-Play Games through聽OLG.ca. An individual who desires to become a Player聽(an聽鈥淚ntending Player鈥)聽must satisfy the following criteria, as determined by OLG in its sole discretion:

鈥 the Intending Player must not already be a Player. A Player is only entitled to have one Player Account. The registration or attempted registration of more than one Player Account聽will constitute a material breach of this Agreement;

鈥 the Intending Player must be at least 18 years of age. Only Players who are at least 19 years of age will be able to play Pay-to-Play聽Games, Play-for-Free聽Games. All Players聽who are at least 18 years of age聽are eligible to play Draw-Based Lottery Games Played Online;

鈥 the Intending Player must聽reside聽in Ontario;

鈥 the Intending Player must be physically located in the Province of Ontario聽each time the Player plays any of the Games聽(including聽when signing up for Future Game Transactions);

鈥 the Intending Player must not be an聽Excluded Individual;

鈥 the聽Intending Player must be an individual who is acting on their own behalf. The Intending Player must not be acting for or on behalf of anyone other than聽themselves, whether as an agent or otherwise; and

鈥 the Intending Player must submit true, complete and accurate information when providing registration information.

鈥 in the case of Sports Betting Games Played Online, the Intending Player must comply with the provisions of paragraphs 5(a), (b), (c) and (d) of Section 14.5 each time the Intending Player plays any of the Games.

An聽Intending Player who does not satisfy all of the foregoing criteria is not eligible to register an account聽with聽OLG.ca聽or to become a Player.聽OLG, in its sole discretion,聽may require additional information聽or documentation聽from an Intending Player聽or Player聽prior to completing the registration of a Player Account or at any time thereafter, including for the purposes of confirming a Player’s identity or other Player Contact Information and in order to investigate any other suspected breaches of this Agreement (including any suspected fraudulent聽or dishonest聽activity).聽A failure of the Intending Player to satisfy any of the foregoing will constitute a material breach of this Agreement.

OLG will disclose an Intending Player’s registration information to聽third-party聽service providers for the purposes of聽authenticating some or all of the registration information that has been provided聽to OLG聽by an Intending Player and聽to聽otherwise聽confirm聽that an Intending Player has satisfied the foregoing criteria and is eligible to register a Player Account. In addition, OLG may similarly disclose information in respect of a Player from time to time for the purposes of (i)鈥痗onfirming the Player’s continued eligibility to maintain a Player Account, (ii)鈥痠nvestigating any suspected breaches of this Agreement (including any suspected fraudulent or dishonest activity), and (iii)鈥痚xercising any of OLG’s other rights described in this Agreement聽or in聽any of the other documents incorporated in this Agreement by reference pursuant to Section鈥3.

By providing any information聽or documentation聽to OLG, the Intending Player (or the Player, as the case may be) consents to the use and disclosure of such information by OLG for聽any and all of聽the purposes contemplated in this Agreement聽or in聽any of the other documents incorporated in this Agreement by reference pursuant to Section鈥3. Please see聽the聽OLG Internet Gaming Privacy and Cookie Policy聽for additional information regarding the collection, use, disclosure and storage of personal information by聽OLG. 4.2 PLAYER ACCOUNT INFORMATION

Information that is submitted by an Intending Player聽who is registering an account with聽OLG.ca聽must聽be聽true, accurate and complete聽at the time it is provided to OLG聽and such聽information must remain true, accurate and complete聽following the registration of a Player Account. If any of such registration information changes following the registration of a Player Account, it is the Player’s sole responsibility to ensure that the Player remains entitled to have a Player Account pursuant to the terms of this Agreement聽and, if necessary,聽to update the Player’s information in the Player Account聽by going to the聽鈥淢y Account鈥澛爋r聽鈥淎ccount Information鈥澛爌age.

OLG may, from time to time, disclose a Player’s registration information to聽third-party聽service providers for the purposes of confirming聽that聽the Player’s registration information remains true and accurate. In addition, OLG may, at any time in its sole discretion, request additional information聽and documentation聽from a Player for this purpose.

You consent that OLG, and its聽third-party聽service providers, can collect聽personal information as聽defined in the OLG Privacy and Cookie Policy. You consent聽that聽this information can be聽used, stored, retained,聽and disclosed聽outside of the聽Province of聽Ontario聽and Canada.聽This consent enables聽the following聽services聽to be provided:聽(i) verification of identity;聽(ii) payment processing;聽(iii) location verification;聽(iv) analytics;聽(v)聽customer relationship management聽and聽player support;聽(vi) email services;聽and聽(vii)聽technical聽support.

The failure聽of a Player聽to update聽their聽Player Account information in a timely manner will constitute a material breach of this Agreement by the Player. Following the registration of a Player Account, if OLG discovers that any of the registration information聽associated with a聽Player Account聽which is then on file in the iGaming System聽is not true or is no longer accurate or complete聽(including, for example, because a Player’s circumstances聽have聽changed and the Player did not update their information that is associated with the Player Account), OLG may take all steps in relation to the Player or the Player Account聽that聽OLG聽determines,聽in its sole discretion, to be appropriate. For example, these steps may include聽Suspending,聽or聽Deactivating the Player Account, investigating any security issues and, in the case of suspected or actual identity theft or fraud,聽disclosing all relevant information to the appropriate law enforcement authorities聽and other third parties that OLG determines to be appropriate (for example, the AGCO, OLG’s payment processors, and credit card issuers and brands). 4.3 REQUIRED DOCUMENTATION

OLG may require a Player to provide additional information and documentation if OLG, in its sole discretion, determines that the additional information or documentation is needed to comply with applicable laws or regulatory requirements, or if OLG considers the collection of such information or documentation to be necessary or advisable in order to prevent fraud or other illegal activity (whether suspected or actual) or to otherwise address a suspected or actual breach of the terms and conditions of this Agreement, or to confirm a Player’s identity or entitlement to receive聽or withdraw聽Unutilized Funds. Without limiting the generality of the foregoing, a Player will be required to provide to OLG such information and documentation as OLG may determine that it requires in order to comply with its FINTRAC reporting obligations. All such information that is provided to OLG will be stored in the iGaming System on servers located in the Province of Ontario. By providing such additional information or documentation to OLG, the Player will be deemed to represent and warrant to OLG that such information is true and accurate or that such documentation is a true, accurate and complete copy of the original. 4.4 PASSWORD聽SECURITY

When registering for a Player Account, an Intending Player will be required to聽create a Username and聽Password. Following the registration of a Player Account, the聽Player is solely responsible for maintaining the security and secrecy of the Player’s聽Username and聽Password, including related security or verification questions and answers. A Player is not permitted to disclose the聽Username and聽Password to any other individual聽(including, without limitation,聽other Players,聽Prospective Players,聽family members,聽or minors),聽and only the Player is permitted to use the聽Username and聽Password to聽log into聽the relevant Player Account. Without limiting the generality of the foregoing, a Player is not permitted to use their Username and Password for the purpose of giving any other individual access to the Player’s Player Account for any reason. All transactions聽(for example, changes to registration information聽and Player Contact Information, deposits,聽withdrawals, Game play and lottery ticket purchases)聽made through a Player Account following聽the correct entry of a valid聽Username and聽Password will be deemed to have been made by the Player, and the Player will be solely responsible for all such transactions.

If a Player intentionally or unintentionally discloses聽their Username and聽Password to anyone else, or if the Player suspects that someone else might have discovered the Player’s聽Username and Password聽(whether or not such other person has used or attempted to use the Player’s聽Username and聽Password), the Player must immediately聽change聽their聽password聽on聽OLG.ca and notify聽Player聽Support聽regarding the compromise or possible compromise of the original聽Username and聽Password.

A Player can change their聽password at any time by聽going to the聽鈥淢y Account鈥 or 鈥淎ccount Information鈥澛爌age.

A Player has the option of enabling Multi-Factor Authentication as an additional verification factor to access their Player Account along with the use of a Player鈥檚 Username and Password. 鈥淢ulti-Factor Authentication鈥 is an authentication method that requires the Player to input a Time-based One-time Password provided by that third-party application in addition to their Username and Password, to confirm the Player鈥檚 identity when they attempt to sign-in to their Player Account. A 鈥淭ime-based One-time Password鈥 is a temporary password generated by a third-party application that can only be used once and within a certain period of time before it becomes invalid, at which point the Player will be required to input a newly generated Time-based One-time Password.

A Player may download any third-party authenticator application to their mobile device or desktop from Google Play or Apple鈥檚 App store, including but not limited to Google Authenticator, Duo Mobile or Microsoft Authenticator. By choosing to download, access or use a third-party application, the Player accepts and agrees that there may be additional terms and conditions governing this application and it is the Player鈥檚 responsibility to determine whether to accept and agree to such third-party terms and conditions. OLG shall not be liable for any direct or indirect damages resulting from the download, access or use of the third-party application selected by the Player in accordance with Section 14.1 and 14.2 of this Agreement. 4.5 PLAYER ACCOUNTS

A Player can access the details of their Player Account through聽the聽OLG.ca聽website聽by聽going to the聽鈥淢y Account鈥 or 鈥淎ccount聽Information鈥澛爌age聽including, for example, to see the following information:

鈥 the Player’s registration information, including Player Contact Information;

鈥 the Player’s Username and Password, as well as related security questions and answers;

鈥 the聽current聽notional balance of the聽Player Account;

鈥 the financial transaction history associated with the Player Account; and

鈥 the聽game-play history associated with the Player Account.

If a Player discovers any inaccuracy or error in the information that is contained in their Player Account, or if the Player suspects that such an inaccuracy or error may exist,聽regardless of who is responsible for the inaccuracy or error, the Player is required to immediately contact聽Player Support.

OLG.ca is a lottery and gaming website meant for personal entertainment. A Player may only use their Player Account for these purposes. A Player may only use their Player Account for personal purposes. A Player is not permitted to use聽OLG.ca or any component thereof (including a聽Player聽Account) or any content included on聽OLG.ca聽for any聽business,聽commercial聽or public聽purpose or for any other purpose that OLG advises the Player from time to time is not permitted. Without limiting the generality if the foregoing, a Player may not, through chat or otherwise, display, provide or transmit any content that is deemed by OLG to be inappropriate (including by use of a nickname) or threaten bully or otherwise harass any other Player.

OLG may take all steps in relation to the Player or the Player Account聽that聽OLG聽determines,聽in its sole discretion, to be appropriate in respect of any hateful, discriminatory, sexist, violent, offensive or other inappropriate content.聽Without limiting the generality of the foregoing, OLG may, in its sole discretion, require that a nickname be changed, remove any content deemed to OLG to be non-compliant with the foregoing and/or Suspend or Deactivate the Player Account.

A Player Account is not the property of the Player and cannot be assigned or聽transferred聽to聽or shared with聽any other person by the Player for any purpose. 5 PLAYING聽BY WAY OF SUBSCRIPTION FOR FUTURE DRAWS 5.1聽PLAYERS聽MAY聽PLAY聽CERTAIN DRAW-BASED LOTTERY GAMES PLAYED ONLINE BY WAY OF SUBSCRIPTION聽PROVIDED A聽PLAYER HAS聽UNUTILIZED FUNDS聽(OR,聽SUBJECT TO THE RELEVANT BONUS FUND TERMS,聽BONUS FUNDS)聽IN THEIR PLAYER ACCOUNT, OR BY DIRECT PAy SUBJECT TO SYSTEM AVAILABILITY, AND OTHERWISE COMPLIED WITH THE TERMS OF THIS SECTION聽5聽AND THE OLG RULES RESPECTING IGAMING LOTTERY GAMES. 5.2 OLG OFFERS TWO TYPES OF SUBSCRIPTION OPTIONS, AS FOLLOWS:

鈥 the聽鈥渃onsecutive draw鈥澛爋ption, which provides a Player the option to聽automatically purchase a ticket for a certain number of consecutive draws in a Draw-Based Lottery Game Played Online in accordance with the OLG聽Rules Respecting iGaming Lottery Games. The聽number of consecutive draws available varies from a minimum of two to the maximum number presented to the Player on OLG.ca; and

鈥 the聽鈥渘ever miss a draw鈥澛爋ption, which provides a Player with the option to automatically purchase a ticket for an indefinite number of draws in a Draw-Based Lottery Game Played Online in accordance聽with the OLG聽Rules Respecting iGaming Lottery Games.

5.3 A TICKET PURCHASE TRANSACTION聽BY A PLAYER聽BY WAY OF SUBSCRIPTION聽IN ACCORDANCE WITH聽THIS SECTION聽5.2聽IS REFERRED TO AS A聽鈥 FUTURE GAME TRANSACTION鈥.

鈥 A聽Player聽who engages in, or attempts to engage in, Future Game Transactions聽is solely responsible聽for continually聽ensuring that:

鈥 their Player Account contains sufficient聽Unutilized Funds聽(or Bonus Funds, if applicable)聽for聽such Future Game Transaction; and

鈥 that the Player has completed the Future Game Transactions with adequate time (as determined by OLG) to allow OLG to process and record such transaction.

鈥 Without limiting the generality of the foregoing, such Player must, in addition to complying with all of the other terms and conditions of this Agreement which are then in effect:

鈥 ensure that聽they have a聽valid ticket for the applicable draw as evidenced by the purchase confirmation displayed within their Player Account; and

鈥 ensure the existence, completeness,聽and accuracy of the information聽displayed within their Player Account (including, without limitation all purchase confirmations);

all聽before such draw is held.

OLG does not undertake any obligation聽or responsibility聽for notifying a Player:

鈥 if聽they do聽not have a聽鈥渧alid ticket鈥澛(as such term is defined in the OLG Rules Respecting iGaming Lottery Games) for any particular draw or draws; or

鈥 if聽they聽do or may have insufficient聽Unutilized Funds聽(or Bonus Funds, if applicable)聽available to play a particular Game prior to rejecting the relevant transaction;

provided that the foregoing will not restrict OLG’s ability to so notify a Player. 6 DEPOSITS INTO PLAYER ACCOUNT聽and direct pay 6.1 FUNDING A PLAYER ACCOUNT聽and direct pay

In聽order to play Games (other than聽Play-for-Free Games) on聽OLG.ca, a Player is required to have a positive notional balance聽of funds聽in their Player Account. Notwithstanding the foregoing, a Player may purchase tickets for Draw-Based Lottery Games Played Online through Direct Pay on OLG.ca (subject to system availability).聽OLG will not extend credit to Players. If a Player聽Account聽or a permitted Direct Pay payment card does not have sufficient funds for a Game at the time that the bet, wager,聽or purchase聽is to be made, then the bet, wager or purchase will not be made and the聽Player鈥檚聽entry into the Game will be聽rejected. A Player is solely responsible for ensuring that their Player Account or Direct Pay permitted payment card contains sufficient funds for聽a聽Game聽(including any Future Game Transaction), and OLG does not undertake any obligation or responsibility for notifying a Player if聽they do聽or聽may have聽insufficient聽funds聽available聽to play a particular Game聽prior to聽rejecting聽the relevant transaction聽(provided that the foregoing will not restrict聽OLG鈥檚聽ability to so notify a Player).

In addition, subject to certain exceptions, any monetary聽Prizes聽from Games that are played through聽OLG.ca, including those Draw-Based Lottery Games Played Online funded through Direct Pay, will be聽loaded聽to聽the Player Account聽by means of a credit to the notional balance of such Player Account. The withdrawal of funds representing such聽Prizes from a Player Account will be subject to the terms and conditions of this Agreement. Instructions for claiming non-monetary Prizes will be provided to Players聽by OLG聽from time to time 6.2 MEANS OF DEPOSITING FUNDS聽and USING direct pay

A Player may: (i) fund their Player Account by聽depositing funds聽(in Canadian dollars only)聽with OLG; or (ii) complete a purchase for Draw-Based Lottery Games Played Online using Direct Pay, by聽means of:

鈥 a Visa or MasterCard credit card聽issued in Canada by a聽Canadian bank or financial institution, which the Player is聽an聽authorized聽user, as defined by the Canadian bank or financial institution,聽to use聽the Visa or MasterCard credit card聽for such purpose. Players聽should be aware that some credit card issuers may treat the funding of a Player Account as a cash advance聽and charge a fee for聽each such聽credit card transaction. Any cash advance fee or other fees relating to the use of a credit card are the聽Player鈥檚聽sole responsibility;

鈥 a Visa Debit card issued in Canada by a Canadian bank or financial institution, which the Player is聽an聽authorized聽user, as defined by the聽Canadian bank or financial institution,聽to use聽the Visa Debit card聽for such purpose; or

鈥 a Debit Mastercard issued in Canada by a Canadian bank or financial institution, which the Player is an authorized user, as defined by聽the Canadian bank or financial institution, to use the Debit Mastercard for such purpose.

A聽Player may also fund their Player Account by聽depositing funds聽(in Canadian dollars only)聽with OLG by means of an Interac Online payment from a聽Player鈥檚聽bank account that the Player is an authorized user, as defined by the bank, to access for such purpose. When Interac Online is selected as the payment option, a Player will be redirected to the online banking website for their bank. OLG will not collect online banking聽login聽or password information. A Player should familiarize聽themselves聽with the terms and conditions that govern the use of their bank or financial institution’s online banking website prior to using it to fund a Player Account, including whether the bank or financial institution will charge any fees relating to the use of Interac Online. All such fees are the Player’s sole responsibility.聽Interac Online payments are not permitted for use in a purchase for Draw-Based Lottery Games Played Online using Direct Pay

A Player should familiarize聽themselves聽with the terms and conditions that govern the use of their聽chosen聽funding method聽prior to using it to fund a Player Account or for Direct Pay. OLG or its payment processing service providers may store聽Visa or Mastercard credit card,聽Visa Debit聽card, Debit MasterCard, or Interac Online (as applicable)聽information on聽servers located outside of Ontario, but within Canada.聽In addition, OLG and its payment processing service providers may use and disclose aggregated聽transaction information for various analytical purposes relating to their respective businesses (but not relating to a specific or identifiable Player). By using聽a payment method listed in聽6.2(a)聽鈥6.2(c) or using Interac Online,聽to fund a Player Account or for Direct Pay, the聽Player expressly consents to OLG or its payment processing service providers, or both, storing聽such transaction聽information located on servers聽located outside of Ontario, but within Canada聽and using and disclosing aggregated transaction information for the purposes described in this paragraph.

No other means of funding聽the notional balance of聽a Player Account are permitted as of the date of this Agreement.

The merchant associated with any deposit transaction will be聽鈥淥ntario Lottery and Gaming Corporation鈥.

Each聽time a Player uses a credit card, Visa Debit聽card, Debit Mastercard聽or Interac Online to make a deposit with OLG for purposes of funding聽the notional balance of聽a Player Account or for Direct Pay,聽they聽will be deemed to represent and warrant to OLG that聽the Player has all necessary rights and authority to use such credit card or the funds in the relevant bank account for such purposes, including in circumstances in which the credit card or bank account is jointly held with one or more other persons聽or is held by a person other than the Player.

OLG will hold a Player’s monies that are deposited with OLG for purposes of funding聽the notional balance of聽a Player Account in a bank account or escrow account as trustee for the Player (not as聽banker or debtor). Notwithstanding anything to the contrary contained in this Agreement, OLG will deal with a Player’s money that has been deposited with OLG as a trustee, and nothing contained herein shall create or give rise to any obligation on the part of OLG to repay any money to the Player as the Player’s debtor. For the avoidance of doubt, a Player Account is not a bank account and, therefore, is not insured, guaranteed, sponsored or otherwise protected by any deposit or banking insurance system. Funds deposited with OLG for purposes of funding聽the notional balance of聽a Player Account, and monetary Prizes that are聽credited to聽a Player Account,聽will not accrue interest聽for the benefit of聽the Player, and the Player shall not be entitled to claim any interest from OLG聽in respect of any such funds.

In the event that any amount becomes owing to OLG by the Player under or in accordance with the terms of this Agreement, OLG shall have the right to deduct such amounts from the Player’s Unutilized Funds and to adjust the notional balance of funds in the Player Account accordingly without the requirement for聽any advance or聽further notice to be provided to the Player聽by OLG. 6.3 DEPOSIT聽and Direct Pay LIMITS And limitations

In addition to any deposit limits established by a Player, OLG聽(in its sole discretion)聽may聽restrict聽a Player’s ability to fund聽the notional balance of聽a Player Account or engage in Direct Pay, including but not limited to by

鈥 establishing minimum and maximum amounts of funds that聽may聽be deposited聽by a Player聽with OLG for the purpose of funding聽the notional balance of聽a Player Account, on a transaction-by-transaction basis or during one or more time periods. As of the date of this Agreement,聽the minimum deposit amount聽for a single deposit by a Player cannot be less than $15.00 and cannot exceed $999,999.00;

鈥 limiting the number of different credit cards that a Player can use to fund a Player Account or make a purchase using Direct Pay. In addition, a聽particular聽credit card may not be registered with more than one Player Account

鈥 restricting a Player’s ability to change deposit methods during specified periods of time;

鈥 restricting a Player’s ability to change聽certain credit card information聽or otherwise impose conditions prior to changing credit card information聽(for example, requiring that the Player contact聽Player聽Support);

鈥 changing acceptable methods of payment; or

鈥 limiting the number of deposits that a Player can make for the purpose of funding the notional balance of a Player Account. As of the date of this Agreement, a Player cannot make more than ten (10) such deposits.

Subject to the deposit limits set by OLG pursuant to this Section 6.3, a Player has the option to set, change or remove deposit limits for their Player Account applicable to the periods of time and in the manner contemplated in the Responsible Gambling and Self-Exclusion Policy 6.4 CHARGEBACKS

A聽鈥 Chargeback鈥澛爋ccurs聽for the purposes of this Agreement聽when a credit聽or debit聽cardholder contacts聽the bank or other financial institution that issued the聽card聽to initiate a refund for a聽payment transaction that was聽made聽using聽the聽card聽or the account associated with the card, and the bank or financial institution requests that聽OLG return聽the relevant funds.

If聽a Player funds聽the notional balance聽of their Player Account or completes a purchase using Direct Pay and thereafter a Chargeback occurs in respect聽of all or part of the transaction, OLG聽(or any of its聽third-party聽service providers)聽may take any or all of the following actions, in each case as OLG, in its sole discretion, determines to be appropriate:

鈥 Suspend聽the Player聽Account聽pending resolution of any dispute relating to the Chargeback聽in accordance with Section聽12.1;

鈥 request that the Player contact聽Player Support聽to explain the聽circumstances of the Chargeback;

鈥 debit the聽Unutilized Funds in the聽Player Account with the amount of the Chargeback. If that debit results in a negative balance聽of Unutilized Funds聽in the Player Account,聽the amount of the negative balance will constitute a debt owed by the Player to OLG, and聽OLG reserves the right to recover聽such amount from the Player;

鈥 Deactivate the Player Account and exclude the Player from playing Games on聽OLG.ca聽(i.e., deem the individual to thereafter be an Excluded Individual);聽or

鈥 initiate a dispute resolution process with the relevant bank or financial institution, which may include OLG providing evidence relating to the deposit transaction and/or Chargeback to a payment processing service provider and/or a bank or financial institution.

7 WITHDRAWALS FROM A PLAYER ACCOUNT 7.1 METHODS OF WITHDRAWING聽UNUTILIZED聽FUNDS

Subject to certain exceptions, withdrawals of聽Unutilized Funds from聽a Player Account聽will be processed by means of an electronic bank transfer聽(in Canadian dollars only)聽to a bank account that is聽registered by the Player and which OLG has verified聽and approved, to its satisfaction,聽is held by聽the Player聽at a bank or other financial institution acceptable to OLG in聽Canada. A Player is not permitted to designate a bank account for such purposes that is not held by the Player (alone or together with other persons).

The Player acknowledges and agrees that:

鈥 OLG聽will聽require the Player to submit documentation聽(by electronic upload via聽OLG.ca or as OLG may otherwise instruct)聽that, in OLG’s sole determination, evidences the Player’s authority over the bank account that is to be registered. For example, OLG may require a copy of a void cheque or a bank account statement, in either case which includes the Player’s name,聽civic聽address聽and the bank account number, all of which must match the information associated with the Player Account聽that is stored in OLG’s iGaming System;

鈥 by submitting such documentation to OLG, the Player will be deemed to represent and warrant to OLG that such documentation is a true, accurate and complete copy of the original;聽and

鈥 if聽the Player registers a bank account that is held jointly with one or more other persons, withdrawals聽of Unutilized Funds聽from their Player Account will be paid into such joint account and, therefore, may be accessed聽by the other account holders.

A Player will not be entitled to specify any other payment method or currency of payment for a withdrawal. For example, a Player will not be able to withdraw聽Unutilized Funds to a credit card even if the Player used a credit card to deposit funds with OLG for purposes of funding聽the notional balance of聽their Player Account. OLG, in its sole discretion, may聽from time to time return聽Unutilized Funds to a Player by other appropriate means. 7.2 WITHDRAWAL LIMITS聽AND LIMITATIONS

Subject to the terms and conditions of this Agreement, a Player may withdraw Unutilized Funds from their Player Account up to the then-current balance聽of Unutilized Funds.

A Player will not be entitled to withdraw聽Unutilized Funds from a Player Account through聽OLG.ca at any time that a Player Account is聽Suspended聽unless OLG, in its sole discretion, determines that the withdrawal (in whole or in part) will be permitted. If a Player Account is聽Suspended聽and the Player wants to make a withdrawal聽of Unutilized Funds, the Player聽must聽contact聽Player聽Support.

OLG may from time to time specify minimum聽and maximum聽withdrawal amounts聽applicable to Player Accounts. As of the date of this Agreement, the minimum amount of a single withdrawal聽of Unutilized Funds by a聽Player聽is $2,聽and there is no聽maximum amount of a single withdrawal聽of Unutilized Funds by a Player. If a Player wishes to withdraw聽less than the specified minimum amount,聽the Player聽must聽contact聽Player聽Support.

OLG may from time to time limit the number of withdrawals聽of Unutilized Funds by a Player聽that a Player can make during a specified period of time. As of the date of this Agreement,聽a Player is permitted to make only one withdrawal聽of Unutilized Funds聽per day. 7.3 WITHDRAWAL CANCELLATIONS

OLG may, in its discretion, refuse a withdrawal request聽if聽OLG聽suspects such withdrawal is made聽in聽breach聽of this Agreement聽(whether or not such violation is a Material Breach). OLG will make reasonable efforts to promptly notify the Player of such refusal聽via the Player Contact Information聽associated with the Player Account.

A Player may cancel their withdrawal request聽through their Player Account.聽Provided such cancellation has not been processed by OLG, the聽relevant聽funds will be returned to the Unutilized Funds in the Player聽Account. 7.4 WITHDRAWAL PROCESSING TIMES

Following聽a Player’s request to withdraw聽Unutilized Funds from their Player Account and the satisfaction of all other terms and conditions for a withdrawal (including providing any required information or documentation to OLG),聽in most circumstances聽OLG will聽be able to聽process the聽withdrawal聽within聽three聽Business Days. In some circumstances, a longer period of time for processing a withdrawal may be required. OLG will not be required to notify the Player of any delay associated with the processing of a withdrawal of Unutilized Funds or the reason for such delay unless additional information or documentation is required to be provided by the Player. 8 BONUS聽FUNDS TERMS 8.1聽BONUS FUNDS

From time to time, OLG may, in its sole discretion,聽whether for promotional purposes or otherwise,聽offer to聽upload Bonus Funds into a Player Account, subject to the Player (in their discretion) accepting the offer of the Bonus Funds. Bonus Funds聽have a notional monetary value only, so they聽are not Unutilized Funds聽at the time they are awarded. A Player is not entitled to receive Bonus Funds unless OLG, in its sole discretion,聽determines聽that Bonus Funds should be offered to a particular Player. A Player will not be obligated to accept Bonus Funds.聽A Player can forfeit Bonus Funds at any time by contacting Player Support.

OLG will have the right to determine the qualification criteria for all promotions and awarding of Bonus Funds. The criteria will be聽specified in the terms and conditions聽that OLG determines are applicable to any specific Bonus Funds, and any use of such Bonus Funds must comply with the聽applicable terms and conditions relating thereto (the聽鈥 Bonus Funds Terms鈥). All Bonus Funds Terms will be deemed to be incorporated by reference in this Agreement, and in the event of any inconsistency between the Bonus Funds Terms and the terms and conditions of this Agreement, the聽Bonus Funds Terms shall govern聽to the extent of the inconsistency.

The awarding and availability of Bonus Funds are in OLG’s sole discretion. The use of Bonus Funds聽may聽be limited to specific Games and specific periods of time, and聽Bonus Funds may聽expire and be cancelled if they are not used prior to a specified date or time. The applicable Bonus Funds Terms should be consulted. In addition,聽OLG may聽cancel聽Bonus Funds that have been uploaded into a Player Account at any time in its sole discretion. 8.2 USING BONUS FUNDS

If a Player聽who聽wants to play聽Games (other than Play-for-Free Games, Sports Betting Games Played Online聽and Draw Based Lottery Games Played Online)聽has both Bonus Funds and Unutilized Funds in their Player Account聽(regardless of whether the awarding of the Bonus Funds preceded or followed the credit of notional funds to the balance of the Player Account, whether resulting from a deposit of funds with OLG by the Player or the winning of a Prize by the Player), the聽Unutilized Funds聽will be used first to play the聽eligible聽Games until all of the聽Unutilized Funds聽have been utilized, following which time the聽Bonus聽Funds will be used.聽Winnings from wagers placed with Bonus Funds are added to the Bonus Funds balance.

If a Player chooses to pay for Draw-Based Lottery Games Played Online using Direct Pay they are not permitted to use Unutilized Funds nor Bonus Funds to pay for any portion of the total purchase value; the entire purchase must be made using Direct Pay. If a Player wishes to use Unutilized Funds and/or Bonus Funds in their Player Account to pay for any portion of any purchase, the Player must pay for the entirety of the purchase with Unutilized Funds and/or Bonus Funds in accordance with this Agreement.

For Draw-Based Lottery Games Played Online and Sports Betting Games Played Online,聽Bonus Funds聽will be used in accordance with the聽applicable聽Bonus Fund Terms.聽Pursuant to such terms, a聽Player may be required聽and/or permitted聽to聽use Bonus Funds聽for the purchase of Draw-Based聽Lottery Games Played Online and Sports Betting Games Played Online, as applicable, prior to聽Unutilized Funds being utilized.

The Bonus Funds Terms may contemplate that certain Bonus Funds will become Unutilized Funds聽only聽after certain wagering requirements have been satisfied. A Player should review the applicable Bonus Funds Terms prior to accepting an offer of Bonus Funds. If a Player does not accept the applicable Bonus Funds Terms in their entirety, then the Player聽must聽not聽accept the relevant Bonus Funds聽or opt-out of the promotion in accordance with such Bonus Fund Terms. 9 ADVERTISING 9.1 PUBLISHING WINNER INFORMATION

OLG may publish the winner鈥檚 name, town/city,聽Prize amount, game name,聽鈥渋nsider鈥澛爏tatus,聽draw date聽and paid date聽on OLG鈥檚 web site (OLG.ca). 10 INACTIVE AND DORMANT ACCOUNTS 10.1 INACTIVE ACCOUNTS

A Player Account will become an Inactive Account if there has not been a successful Player-Initiated Transaction for a period of 12-consecutive months, unless the Player Account is for a聽Self-Excluded Individual. For this purpose, a聽鈥 Player-Initiated Transaction鈥澛爉eans (i)鈥痑 deposit of funds by the Player for the purpose of funding the Player Account, (ii)鈥痑 withdrawal of Unutilized Funds from the Player Account, or (iii)鈥痑 bet, wager or purchase of a Draw-Based Lottery Game Played Online or a Pay-to-Play Game, including a Future Game Transaction that has not expired or been suspended due to insufficiency of Unutilized Funds or for any other reason.聽For the avoidance of doubt, a Play-for-Free Game is not considered a Player-Initiated Transaction. If the Future Game Transaction associated with such a Player Account expires or is suspended or cancelled for any reason, the foregoing 12-month period will be calculated beginning on the day that the last Future Game Transaction is processed from the Player Account, being the last Player-Initiated Transaction.

A Player Account that has become an Inactive Account will cease to be an Inactive Account following the successful completion of a Player-Initiated Transaction.

An Inactive Account will be subject to the following monthly service fees (鈥 Inactive Account Fees鈥),聽the amount of which OLG will be entitled to withdraw from the Unutilized Funds associated with the Player Account at the end of each month (or at any time thereafter) without the requirement for any advance or further notice to the Player:

鈥 during each of the first 12 months that the Player Account is an Inactive Account, a monthly service fee of $2 per month (or if the balance of the Player Account is less than $2, then that balance);

鈥 during each of the next six months that the Player Account is an Inactive Account, a monthly service fee of $10 per month (or if the balance of the Player Account is less than $10, then that balance); and

鈥 during each of the next six months that the Player Account is an Inactive Account, a monthly service fee of $25 per month (or if the balance of the Player Account is less than $25, then that balance).

The maximum amount of Inactive Account Fees that OLG will be entitled to receive from a Player under this Agreement is equal to the lesser of (i)鈥$234 and (ii)鈥痶he amount of the Unutilized Funds associated with the Inactive Account. 10.2 DORMANT ACCOUNTS

An Inactive Account will become a Dormant Account if the Player does not successfully complete a Player-Initiated Transaction within the 24-month period immediately following the date on which the Player Account becomes an Inactive Account (i.e., the Player has not successfully completed a Player-Initiated Transaction for 36 consecutive months). When a Player Account becomes a Dormant Account, the Player Account will be聽initially聽Suspended聽by OLG聽and subsequently Deactivated. Once the Player Account is a Dormant Account聽the Player will not be able to聽log into聽or use the Player Account. Subject to the minimum withdrawal requirements in Section聽7.2聽and documentation requirements in Section聽4.3, OLG will deposit an amount equal to the Unutilized Funds as at such date into the bank account that is associated with the Player聽Account, the details of which are stored by OLG on the iGaming System. In the event that no bank account is associated with the Player Account, or if OLG is not able to successfully deposit the Unutilized Funds in such bank account (for example, because the bank account has been closed or because OLG requires additional information in order to confirm that the bank account belongs to the Player), OLG will use its reasonable efforts to contact the Player using the Player Contact Information to advise as to the status of the Player Account and the balance of Unutilized Funds. If OLG is unable to contact the Player, the Player Account will be Deactivated. If OLG is unable to contact the player within 24-months of the Player Account becoming a Dormant Account, Unutilized Funds may be forfeited to OLG. 10.3 REACTIVATION OF A DORMANT PLAYER ACCOUNT

OLG will retain information relating to a Dormant Account in the iGaming System in accordance with its record retention policies. If a Player Account has become a Dormant Account and is locked, the Player may thereafter contact Player Support to request the reactivation of the Player Account. If a Dormant Account is reactivated, it will have the same account details as those which existed as of the date the Player Account became a Dormant Account. In the event that any of the relevant information has changed (for example, the Player Contact Information), the Player will be solely responsible for updating such information聽and complying with the terms and conditions of this Agreement which are then in effect. 11聽PLAYER鈥橲聽CLOSURE OF ACCOUNTS 11.1 CLOSURE聽OF A PLAYER ACCOUNT BY THE PLAYER

A Player may聽close聽their Player Account聽at any time by聽contacting Player Support聽(鈥 Closed Account鈥). If a Player is no longer eligible to have a Player Account (for example, if the Player聽will be relocating to a jurisdiction outside of the Province of Ontario, or if the Player becomes an聽Excluded Individual), the Player is required to聽Close聽their Player Account.

Upon聽Closure聽of a Player聽Account,聽the Player Account will no longer be accessible by the Player聽until such time as the Player has contacted Player Support to request a re-opening of the Player Account and OLG has approved of such re-opening.聽All Future聽Game Transactions聽associated with the聽Closed Player Account聽that have not been completed by the time of聽Closure will be cancelled.

Notwithstanding the聽Closure of the account, OLG will retain a Player鈥檚 information in accordance with its record retention policies. For more information聽on how OLG聽retains a Player鈥檚聽personal information, see the OLG聽Internet聽Gaming聽Privacy聽and Cookie聽Policy

Subject to the minimum withdrawal requirements in Section聽7.2聽and documentation requirements in Section聽4.3, if聽a Player聽Closes聽their聽Player Account and Unutilized Funds remain in the Player Account at that time, OLG will聽return聽the Unutilized Funds to the Player’s bank account聽that is associated with the Player Account, the details of which are stored by OLG on the iGaming System. In the event that no bank account is associated with the Player Account, or if OLG is not able to successfully deposit the Unutilized Funds in such bank account (for example, because the bank account has been closed or because OLG requires additional information in order to confirm聽that the bank account belongs to the Player), OLG will use reasonable efforts to contact the Player using the聽Player Contact Information to advise as to the status of the Player Account and the balance of Unutilized Funds. 12 DEACTIVATION聽OR SUSPENSION聽OF A PLAYER ACCOUNT IN OLG’S DISCRETION 12.1 SUSPENSION OF A PLAYER ACCOUNT

OLG shall have the right to聽suspend聽a Player Account at any time in its sole discretion聽(a聽鈥 Suspended Account鈥).聽Without limiting the foregoing, and by way of example only, OLG may聽Suspend a Player鈥檚 access to their Player Account if it suspects that the Player has improperly initiated a Chargeback or has committed any breach of this Player Agreement, applicable law, Lottery Game Rules, and/or the Pay-to-Play Game Rules.

While a Player Account is聽Suspended:

鈥 a Player will be unable to聽login聽or access their Player Account;

鈥 a Player will be unable to withdraw any Unutilized Funds unless OLG, in its sole discretion, determines otherwise;

鈥 all Future Game Transactions associated with the聽Suspended Player Account will be suspended and/or cancelled (i.e. no purchase or other financial transaction in respect thereof that has not been completed at the time the Player Account is聽Suspended will be completed);聽and

鈥 a Player may be required to cooperate with any investigations conducted by OLG into the Player鈥檚 conduct prior to the聽Suspension being lifted (including provisions of additional documentation or information as requested by OLG).聽Failure to cooperate with聽this subsection聽12.1(d)聽shall be deemed a Material Breach of this Agreement.

If, during the聽Suspension, OLG determines that the Player has committed a Material Breach of this Agreement, it may聽Deactivate the Player Account in accordance with Section聽12.2. 12.2 DEACTIVATION OF PLAYER ACCOUNTs

OLG shall have the right to聽deactivate a Player Account at any time in聽its sole discretion聽(a聽鈥 Deactivated Account鈥).

If OLG聽Deactivates a Player Account, OLG will deposit an amount equal to the Unutilized Funds as at such date into the bank account that is associated with the Player Account聽(subject to聽the聽minimum withdrawal requirements detailed in Section聽7.2聽and additional documentation requirements in Section聽4.3), the details of which are stored by OLG聽on the iGaming System. In the event that no bank account is associated with the Player Account, or if OLG is not able to successfully deposit the Unutilized Funds in such bank account (for example, because the bank account has been closed or because OLG requires additional information in order to confirm that聽the bank account belongs to the Player), OLG will use its reasonable efforts to contact the Player using the聽Player Contact Information. If OLG is unable to contact the Player, then OLG will聽retain the Unutilized Funds聽until OLG receives proper instructions relating to the disposition of such funds from the Player or their legal representative.

Notwithstanding the foregoing, if OLG聽Deactivates a Player Account as a result of聽the occurrence of a聽Material聽Breach聽by the Player聽under聽this Agreement, OLG (in its sole discretion) shall be entitled to treat any聽or all of the聽Unutilized Funds as forfeited by the Player, in which case the Player will not be entitled to have the Unutilized Funds returned. 13 EFFECT OF DEACTIVATION聽OR CLOSURE聽OF A PLAYER ACCOUNT

Without limiting the foregoing, when a Player Account is聽a Closed聽Account or聽a Deactivated Account:

鈥 Any scheduled wagers, bets or purchases (including for Future Game Transactions) that have not been completed prior to the聽Closure聽or聽Deactivation聽will be cancelled;

鈥 the Player will not be entitled to receive any offers for new Bonus Funds, and any existing Bonus Funds associated with the Player Account will be cancelled and the Player will not be entitled to receive any compensation in respect of the cancelled Bonus Funds; and

鈥 this Agreement will terminate, except for those provisions which by their nature are intended to survive the termination of this Agreement.

14 ACCESSING AND USING聽OLG.CA 14.1 SUPPLY AND MAINTENANCE OF聽PLAYER聽EQUIPMENT AND SERVICES

Prospective Players, Intending Players,聽and Players are solely responsible for聽supplying and maintaining聽all equipment, technology and services that they require to access and use聽OLG.ca. The performance or operation of聽OLG.ca or any聽website聽or聽Mobile聽Applications聽that OLG may make available to Players from time to time聽may be affected by a Player’s computer equipment,聽mobile device,聽Internet connection or other factors聽that are聽outside of聽OLG’s聽control. In some cases, a Prospective Player, Intending Player,聽or a Player may not be able to access or use some or all of the components聽or聽functionality of聽OLG.ca as a result of deficiencies in their own equipment聽or聽technology聽or聽the聽service聽providers retained by them. For example, a slow Internet connection could adversely impact the performance or operation of聽OLG.ca, or聽an outdated聽web browser or聽the settings on a聽Player’s聽computer could cause some or all of the content of聽OLG.ca to display incorrectly聽or to fail to display.

OLG makes no representation or warranty of any kind regarding the compatibility, functionality, performance or operation of聽OLG.ca or any component thereof on any聽Intending Player,聽Prospective Player or Player’s computer or other聽devices聽used to聽access聽OLG.ca.

Players may require additional聽third-party聽services to access聽OLG.ca (e.g.,聽internet聽service聽provider agreement;聽mobile聽carrier agreement;聽email聽account;聽text messaging service (SMS)) or to access their Player Account using Multi-Factor Authentication. The Player is solely accountable for聽any聽agreements聽and聽charges related to these聽third-party聽services. A Player should familiarize聽themselves聽with the terms and conditions that govern any such services prior to using them聽to access聽OLG.ca. 14.2聽THIRD-PARTY聽CONTENT; joint games

In order聽to access or use certain components of聽OLG.ca, it may be necessary for a Prospective Player or a Player to download software (for example,聽certain casino games may require a flash player聽or an up-to-date web browser; and the use of Multi-Factor Authentication requires the Player to download a third-party application that will generate a Time-based One-time Password.)

Certain third-party product providers may require the Prospective Player or聽the聽Player to accept and agree to additional terms and conditions governing the use of their products. It is the sole responsibility of the Prospective Player or the Player to determine whether聽they聽accept and agree to any such聽third-party聽terms and conditions, and if the Prospective Player or the Player does not accept and agree to them, such聽third-party聽product聽should not be used.

OLG shall not be liable for any聽direct or indirect聽damage聽to, or loss of data from,聽a Prospective Player’s or a Player’s equipment聽that聽may arise from or as a result of the access or use of聽OLG.ca or any content, software or applications made available by or on behalf of OLG through聽OLG.ca.

Some Pay-to-Play Games may be offered jointly and networked with one or more other Canadian lottery jurisdictions. Players playing such Games could face opponents from within Ontario as well as opponents located elsewhere in Canada. 14.3 OLG’S INTELLECTUAL PROPERTY RIGHTS

OLG is the owner or licensee of all of the copyright, trademarks and other intellectual property rights in, to and in respect of聽OLG.ca and the iGaming System, including the content of the foregoing, the聽Games聽and any written communications that are sent to Prospective Players or Players聽by聽or on behalf of OLG (collectively,聽鈥 OLG IP Rights鈥). No Prospective Player or Player shall be deemed to be granted or to receive any rights in or to any of the OLG IP聽Rights except to the extent specifically contemplated in, and subject to the terms and conditions of,聽this Agreement. 14.4 VIRUSES, HACKING AND OTHER OFFENCES

The access or use of聽OLG.ca other than in accordance with the terms and conditions of this Agreement is strictly prohibited.

A Prospective Player or聽a聽Player shall not:

鈥 knowingly or negligently introduce, or permit the introduction of, any virus, trojan, worm, logic bomb or other material that is or would reasonably be expected to be malicious or technologically harmful to聽OLG.ca, the iGaming System, any Game聽or any component聽of any of the foregoing;

鈥 access or attempt to gain access to聽OLG.ca, the iGaming System, any Game聽or any component聽of any of the foregoing聽that聽they are聽not entitled to access, including the聽servers on which聽OLG.ca,聽the iGaming System聽or any Game聽is stored or any server, computer or database connected to聽OLG.ca,聽the聽iGaming System聽or any Game. The foregoing restriction includes any attempt to bypass any security mechanisms included in聽OLG.ca,聽the iGaming System聽or any Game, including those which are intended to protect the security of Player’s personal information;

鈥 use any software program which, in OLG’s sole determination, is endowed with artificial intelligence (i.e., robots) in connection with the Player’s participation in a聽Game;

鈥 attack, whether alone or in combination with others,聽OLG.ca by means of a denial-of-service attack or a distributed denial-of-service attack;

鈥 translate, reverse engineer, decompile, disassemble, modify, create derivative works based on, or otherwise modify聽or make any attempt to discover the source code of聽any software聽(or any part thereof)聽that is downloaded through or in connection with the access or use of聽OLG.ca;

鈥 copy, disclose (including, for example, by posting on any聽social media,聽blog, message board or other public forum), transmit or otherwise make available,聽or remove or alter,聽any of the content or material that is made available on or through聽OLG.ca; or

鈥 remove, obscure or alter聽any notice of any OLG IP Right (including any designation of copyright or trademark) contained in any content or material that is made available on or through聽OLG.ca.

A failure to comply with this Section鈥14.4聽will constitute a material breach of this Agreement by the Prospective Player or the Player. In the event that聽any action that is prohibited by this Section鈥14.4聽occurs, OLG (in its sole discretion)聽may deem it to be an Error for the purposes of this Agreement, and, in addition to this Section鈥14.4, Section鈥15.1聽shall also apply in respect thereof. 14.5 COLLUSION, CHEATING, FRAUD AND CRIMINAL ACTIVITY

Each Player is prohibited from engaging in, and is required to immediately notify OLG upon becoming aware that another Player is or may be engaging in, any form of collusion, cheating, fraud or criminal activity or otherwise exploiting an unfair advantage involving any Game or other component of聽OLG.ca, including in connection with the registration of a Player Account, the deposit of funds with OLG to the credit of the notional balance of a Player Account, making a bet, wager or purchase of a Game, or the withdrawal of Unutilized Funds.

For the purposes of this Agreement, as examples only:

鈥 fraud includes the unauthorized use of a credit card as a source of funds to be deposited to the credit of a Player Account or to initiate a purchase using Direct Pay;

鈥 criminal activity includes money laundering;

鈥 an unfair advantage includes聽the use of any software that could provide a Player with an unfair advantage聽(including, by way of example only,聽鈥渂ots鈥,聽artificial intelligence, machine learning software,聽malicious code,聽opponent profiling software, automatic betting software, viruses, worms, or malware);聽and

鈥 an unfair advantage includes the exploitation of a fault, loophole or error in any software that is used in connection with the operation of聽OLG.ca (including any Game) or the exploitation of any聽Error; and

鈥 in the case of Sports Betting Games Played Online, collusion includes any of the following:

鈥 having access to non-public/exclusive information related to an Event, or having the potential to impact the outcome of an Event or bet type, in respect of any Event overseen by the relevant Event governing body;

鈥 having sufficient authority to influence the outcome of an Event (including, without limitation, athletes, coaches, managers and owners), in respect of any Event overseen by the relevant Event governing body;

鈥 being an owner of an Event governing body or an Event member team, in respect of any Event overseen by that governing body or any event in which a member team of that governing body participates; or

鈥 compiling betting odds for any Event in which one is involved.

Each Player hereby represents and warrants to OLG that they comply, and will comply, with the provisions of paragraphs 5(a), (b), (c) and (d) of this Section 14.5.

OLG will use reasonable efforts to detect and prevent any聽such聽collusion, cheating, fraud or criminal activity by Players or the taking of any unfair advantage聽by Players, but in the event that any such activity occurs and another Player incurs any loss or damage, OLG will not be liable for any such loss or damage.

Each Player hereby represents and warrants to OLG that they comply, and will comply, with the provisions of paragraphs 5(a), (b), (c) and (d) of this Section 14.5.

OLG shall have the right to notify all third parties聽which聽OLG, in its sole discretion, determines to be appropriate in the event of any actual or suspected collusion, cheating, fraud or criminal activity by any Player or the taking of any unfair advantage by any Player, including the appropriate law enforcement authorities and other third parties that OLG determines to be appropriate (for example,聽police services,聽the AGCO, OLG’s payment processors, Event governing bodies, other operators/providers of sports being platforms, and credit card issuers and brands). 15 ERRORS AND UNAVAILABILITY OF聽OLG.CA 15.1 OLG’S ERRORS

A number of circumstances may arise where a Game-related bet, wager or purchase is accepted by OLG, or where OLG awards a Prize, credits a Player Account or processes a withdrawal, in each case in error (an聽鈥 Error鈥). As examples only, Errors may include:

鈥 where OLG misstates any聽Lottery聽Game Rules, Pay-to-Play Game Rules聽or Bonus Funds Terms, in each case as a result of an obvious error or omission in inputting the information, or as a result of a computer malfunction;

鈥 where OLG credits a Player Account, thereby increasing the amount of Unutilized Funds, as a result of a manual or computer input error;

鈥 where OLG deposits into a Player’s bank account an amount that is greater than the amount of Unutilized Funds in a Player Account; or

鈥 in the case of Sports Betting Games Played Online, errors which may result in the voiding and/or resettling of a wager:

鈥 Where OLG accepts a wager after the Event Cut-off Time for Wagering (as defined in the applicable Pay-to-Play Game Rules); after a result is known; or at a stage where the Player could have any indication of the result of the wager;

鈥 Where OLG accepts a wager based on incorrect information provided by OLG including, but not limited to, incorrect outcomes, participants, location, date, time, lines or odds;

鈥 Where OLG settles a wager with an incorrect result or payout; or

鈥 If OLG, in its sole discretion, believes that the integrity of the event may have been called into question: or

鈥 The Player fails to comply with one or more of paragraphs 5(a), (b), (c) and (d) of Section 14.5

OLG reserves the right to correct any Error in the manner that it deems appropriate in the circumstances, and OLG’s decision shall be final and binding. Reference is also made to Section聽16.3.

Neither OLG nor any of its employees, agents or service providers shall be liable for any loss incurred by a Player that results from any Error, including any loss of winnings that results from a forfeiture thereof by the Player as a result of the Error. OLG shall use reasonable efforts to notify聽a Player if any Error has adversely impacted the Player, or if the correction of any Error adversely impacts the Player.

In聽the event that OLG credits a Player Account, or pays any money聽to a Player (for example, by processing a withdrawal), as a result of聽or in relation to聽an Error, the Player shall be deemed to hold the entirety of the amount of such credit or payment (such amount being herein referred to as 鈥 Error Funds鈥) in trust for OLG,聽and聽OLG聽shall have the right to recover the Error Funds through a correcting entry to the extent that funds are available in the Player鈥檚 Player Account and, if sufficient funds are not available, through聽a demand for payment聽to that person, which demand聽the聽person聽shall immediately聽satisfy, to the extent of any deficiency,聽in accordance with OLG’s reasonable instructions.聽Further ,聽any聽subsequent聽Game-related bet, wager or purchase聽may be deemed by OLG to have been made聽using聽the Error Funds,聽and (i)聽OLG may cancel such bet, wager or purchase, and聽(ii)聽if any Prize in respect thereof has been credited to the Player Account or otherwise paid or delivered to the Player, the Player shall be deemed to be holding the full amount of such Prize in trust for OLG, and聽(iii)聽upon OLG making a demand for the return of such Prize, the Player shall immediately return the Prize to OLG in accordance with OLG’s reasonable instructions. 15.2 UNAVAILABILITY OF聽OLG.CA

OLG intends to make聽OLG.ca available on a 24-hour basis, 7 days a week. However, from time to time it will be necessary to limit or restrict access to all or parts of聽OLG.ca (鈥 Downtime鈥),聽including for purposes of conducting software maintenance and upgrades, and addressing Errors and other issues as determined by OLG in its sole discretion. During a period of Downtime, some or all of the functionality of聽OLG.ca may not be available. As examples only, it may not be possible to:

鈥 deposit funds with OLG for purposes of crediting the notional balance of a Player Account;

鈥 withdraw Unutilized Funds;

鈥 play Games; or

鈥 check a Player’s transaction history.

OLG will use reasonable efforts to notify Players in advance of planned Downtime聽by posting notices at聽OLG.ca or through other appropriate means as determined by OLG聽in its discretion. However, it may not be possible to notify Players in advance of Downtime, including in circumstances beyond OLG’s control (for example, a power failure) or if the Downtime is determined to be necessary to address a potential or actual security threat or breach. Notwithstanding anything to the contrary contained in this Agreement, a Player shall not be entitled to any compensation arising from or as a result of any Downtime including, for example, if a Player is unable to withdraw Unutilized Funds through聽OLG.ca or if Bonus Funds expire during the period of any Downtime. 16 BREACH OF THIS AGREEMENT BY A PLAYER 16.1 NOT A MATERIAL BREACH

If a Prospective Player or a Player fails to comply with any term or condition of this Agreement or otherwise breaches this Agreement, except in the case of a material breach of this Agreement聽(actual or deemed), OLG will use reasonable efforts to notify the Prospective Player or the Player of the breach and, if such breach is of a nature that can be remedied, provide a reasonable period of time (as determined by OLG) during which the Prospective Player or Player may remedy the breach. If the breach is not remedied to the satisfaction of OLG, then the breach shall be deemed to be a material breach of this Agreement. 16.2 MATERIAL BREACH

If a Prospective Player or a Player fails to comply with any term or condition of this Agreement and such breach is or is deemed聽by OLG聽to be a material breach for purposes of this Agreement, then in addition to the other rights and remedies of OLG specified in this Agreement, OLG may exercise any or all of the following remedies as OLG, in its sole discretion, determines to be appropriate in the circumstances, in each case without the requirement for prior notification to the Prospective Player or the Player or any remedial period:

鈥 Suspend聽the Player Account until such time as the breach is remedied to OLG’s satisfaction;

鈥 request that the Player contact聽Player Support聽to explain the circumstances of the breach, or to provide such information and documentation relating thereto as OLG may request;

鈥 Deactivate the Player Account and exclude the Player from playing Games on聽OLG.ca;

鈥 notify any third parties which OLG, in its sole discretion, determines to be appropriate in the circumstances, including law enforcement authorities and other third parties (for example,聽police services,聽the AGCO, OLG’s payment processors and credit card issuers and brands); or

鈥 retain any or all of a Player’s Unutilized Funds to the extent necessary to compensate OLG for its actual聽and/or potential聽losses聽and liabilities聽resulting from such breach.

16.3 DISPUTES

Except as otherwise provided in the聽Lottery聽Game Rules or the聽Pay-to-Play聽Game Rules,聽no claim or dispute by聽a Player with regard to any bet, wager or purchase of a Game, including the outcome of such聽Game, will be considered by OLG聽(i)鈥痠n the case of a Draw-Based Lottery Game Played Online,聽more than聽12 months聽following the date on which the Game is completed, and (ii)鈥痠n the聽case of a Pay-to-Play Game, more than聽30 days聽following the date on which the Game is completed.

OLG’s records, as maintained in the聽iGaming System聽(and/or OLG’s central computer-controlled online system, in the case of a Draw-Based Lottery Game Played Online),聽will be the final authority in determining the circumstances of a Player’s participation in the relevant Game and the results of such participation. In the event of a disagreement between the result that appears on a Player’s screen and the relevant Game servers聽(and/or OLG’s central computer-controlled online system, in the case of a Draw-Based Lottery Game Played Online), the result that appears in the Game servers聽(and/or OLG’s central computer-controlled online system, in the case of a Draw-Based Lottery Game Played Online)聽will prevail.

A Prospective Player or a Player who wishes to make a complaint about OLG or any aspect of聽OLG.ca may do so by contacting聽Player Support聽or otherwise contacting聽OLG in accordance with Section鈥18.1. A Prospective Player or a Player may also聽contact聽the AGCO (OLG’s regulator) using the contact information in Section鈥18.2. 17 LIMITATIONS OF LIABILITY 17.1 OLG’S LIABILITY

Except as otherwise provided in the applicable聽Lottery聽Game Rules or聽Pay-to-Play聽Game Rules,聽OLG’s聽(including, but not limited to聽the extent applicable,聽OLG’s, OLG鈥檚 service providers, subcontractors, employees, agents, and assigns)聽maximum liability, subject聽always聽to Section聽17.2,聽to a Prospective Player or a Player under this Agreement or otherwise in respect of the accessing or use of聽OLG.ca shall not exceed聽the lowest of:

鈥 the聽dollar amount聽value of the bets, wagers, purchases聽or tips actually聽made by a Player via their Player Account in respect of the relevant bet, wager, purchase, tip or Game that gave rise to the relevant聽alleged聽liability;

鈥 the amount of applicable monies, where such monies have been improperly directed by OLG or misplaced by OLG;聽or

鈥 an aggregate of聽$1,000聽in respect of all other liabilities, including for liabilities resulting from or as a result of any negligent act or omission of or by OLG or any of OLG’s service providers, or anyone acting on behalf of OLG or any of OLG’s service providers.

17.2 EXCLUSIONS FROM OLG’S LIABILITY

Notwithstanding anything to the contrary contained in this Agreement,聽OLG聽shall not be liable for any loss or damage suffered by any person as a result of:

鈥 the operation聽of聽OLG.ca, the iGaming System (and/or OLG’s central computer-controlled online system, in the case of a Draw-Based Lottery Game Played Online);

鈥 the failure of聽OLG.ca, the iGaming System (and/or OLG’s central computer-controlled online system, in the case of a Draw-Based Lottery Game Played Online)聽to operate properly or at all;

鈥 the participation by any person in, or any failure, negligence or wrongdoing by OLG or any of OLG鈥檚 service providers in respect of, any responsible gambling program operated by OLG or any of OLG鈥檚 service providers, including: (i) the self-exclusion program or player breaks; (ii) PlaySmart.ca; (iii) deposit limits; (iv) financial limits and budgets; (v) playing time聽reminders; (vi) self-assessment tools or risk profiles;

鈥 the failure of OLG聽or any of OLG鈥檚 service providers聽to: (i) process or record a purchase; (ii) process, receive or record a payment for a ticket;聽(iii) display an accurate聽purchase confirmation in such person鈥檚 player account;聽or (iv) otherwise complete a transaction (including, without limitation, a Future Game Transaction); or

鈥 any wager or tip erroneously or unintentionally made by a Player.

For greater certainty,聽a Prospective Player or a Player shall not have the right to claim damages under or in connection with聽OLG.ca or this Agreement or for breach of this Agreement by OLG, in tort, in contract聽or on any basis whatsoever to the extent that any loss claimed by the Prospective Player or the Player is:

鈥 for punitive, exemplary or aggravated damages;

鈥 for loss of profits,聽loss of chance,聽loss of use, loss of production, loss of business or loss of business opportunity, including (but not limited to) loss of data, profits, revenue, goodwill, reputation or business interruption;

鈥 a claim for consequential loss or for indirect loss of any nature suffered or allegedly suffered by the Prospective Player or the Player; or

鈥 not reasonably foreseeable by OLG arising out of this Agreement or the use of OLG.ca.

OLG.ca聽will be operated聽with reasonable skill and care substantially as described in this Agreement.

OLG does not make any other promise, representation or warranty regarding聽OLG.ca or any of the Games or other products or services that are made available on or through聽OLG.ca, and except as specifically included in this Agreement, OLG hereby disclaims all warranties regarding the foregoing, whether express, implied or statutory, including all implied warranties in respect of the same.

Prospective Players and Players acknowledge and agree that, by accepting the terms and conditions of this Agreement, they do not rely on, and shall have no remedy in respect of, any statement,聽representation, warranty or understanding of any person, other than those聽of OLG which are聽included in (or聽expressly聽incorporated by reference into) this Agreement. 18 CONTACTS 18.1 CONTACTING OLG

A Prospective Player or a Player may contact OLG’s聽Player Support聽at any time as follows:

鈥 by using real-time chat, available through聽OLG.ca;

鈥 by e-mail, at playersupport@OLG.ca. OLG聽will endeavour to respond to e-mails within one Business Day. If the e-mail address from which OLG receives a message does not correspond to the e-mail address that is included in the Player Contact Information that is associated with your Player Account, OLG will not provide any information relating to your Player Account when responding to your e-mail. In such circumstances, you may be requested or required to contact OLG by using real-time chat or by telephone;聽or

鈥 by telephone,聽1聽(855)聽978 7529

18.2 CONTACTING AGCO

OLG is regulated by the AGCO. A Prospective Player or a Player may contact the AGCO regarding any aspect of聽OLG.ca as follows:

Alcohol and Gaming Commission of Ontario

90 Sheppard Avenue East, Suite 200

Toronto, Ontario M2N 0A4

Tel:聽1 (416)聽326聽8700 or 1聽(800)聽522聽2876 (toll free in Ontario) 18.3 CONTACTING A PLAYER

OLG, or anyone acting on behalf of OLG, shall be entitled to contact a Player with respect to any matter contemplated in this Agreement by using any of the Player Contact Details聽(including by way of email or telephone). OLG’s other communications with a Player or a Prospective Player will be subject to the terms and conditions of the聽OLG Internet Gaming Privacy and Cookie Policy. 19 GENERAL PROVISIONS 19.1 FOR PURPOSES OF THIS AGREEMENT, UNLESS OTHERWISE STATED:

鈥 鈥 day鈥澛爉eans a day of the week commencing at 12:00:00 AM and ending at 11:59:59 PM;

鈥 鈥 week鈥澛爉eans the seven-day period commencing on Monday at 12:00:00 AM and ending on Sunday at 11:59:59 P.M.;

鈥 鈥 month鈥澛爉eans a calendar month;

鈥 all times are expressed in Eastern Time;

鈥 all monetary amounts are references to lawful currency of Canada (i.e., Canadian dollars); and

鈥 鈥 including鈥澛爄s deemed to mean聽鈥 including without limitation鈥澛燼nd shall not be deemed limited by the specific enumeration of items;

鈥 words importing the singular shall include the plural and vice versa and words importing one gender shall include all genders聽unless context otherwise requires;

19.2 THIS AGREEMENT SHALL BE GOVERNED BY AND CONSTRUED IN ACCORDANCE WITH THE LAWS OF THE PROVINCE OF ONTARIO AND THE FEDERAL LAWS OF CANADA APPLICABLE THEREIN. 19.3聽EACH PROVISION OF THIS AGREEMENT SHALL BE VALID AND ENFORCEABLE TO THE FULLEST EXTENT PERMITTED BY LAW. IF ANY PROVISION OF THIS AGREEMENT IS DECLARED INVALID, UNENFORCEABLE OR ILLEGAL BY A COURT OF COMPETENT JURISDICTION, SUCH PROVISION MAY BE SEVERED AND SUCH INVALIDITY, UNENFORCEABILITY OR ILLEGALITY SHALL NOT PREJUDICE OR AFFECT THE VALIDITY, ENFORCEABILITY AND LEGALITY OF THE REMAINING PROVISIONS OF THIS AGREEMENT.

POLICY EFFECTIVE DATE: June 28, 2022

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This website is for the use of adults in the Province of Ontario, Canada. Individuals must be 18 years of age or older to participate in lottery, charitable gaming and in-store sports betting, in Ontario. Individuals must be 19 years of age or older to visit casinos and slot facilities in Ontario, and to participate in online casino gaming and online sports betting, in Ontario.

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Residents of Canada are known to have a special attraction towards casino games. Free online slots available in great variety today at some of the best Canadian online casino sites offer a nice way to get familiar with the playing style and game selection at the casino you choose to play at online casino canada at blackartsinteractive.com . After getting acquainted with the game and testing and furnishing your skills through the free OLG slots, you can confidently move on to the real money slots to start winning some real cash.

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Residents of Canada are known to have a special attraction towards casino games. Free online slots available in great variety today at some of the best Canadian online casino sites offer a nice way to get familiar with the playing style and game selection at the casino you choose to play at online casino canada at blackartsinteractive.com . After getting acquainted with the game and testing and furnishing your skills through the free OLG slots, you can confidently move on to the real money slots to start winning some real cash.

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The Founder Of True Story庐

LeUndrear Giles (Giles) is a southern lady. While she is a native of Andrews, South Carolina, Giles
currently resides in Rock Hill, South Carolina. Anyone who comes across her path is fortunate to
experience the love, character, and optimism that she carries towards life. Giles sees no boundaries and
there is never a dull moment with her. One of her favorite quotes is:

鈥淚 am. I can. I will. I am a child of God; I can do all things through Christ who strengthens me, and I will
overcome any obstacles that lie before me through the faith God has entrusted in me.鈥

Giles is a licentiate minister of nineteen years (licensed in 2001). Giles knows through her personal
experiences that if God does not do it then it can’t be done. She uplifts others through prayer as she is
also advent in her prayer life. She often encourages others to always see the good in any situation.

Giles is not only passionate about her faith and belief in God but also, she is family oriented. Other than
loving the monotheistic God, she gains the most joy from her two daughters (Destiny & Jazsmin) who
she places at the top of her world.

Giles is a proud graduate of Denmark Technical College (1998). She served as Miss Denmark Technical
College in the year 1998. She is a twenty-year Insurance Consultant. She has gained certification as a
National PHLEBOTOMIST TECHNICIAN. However, her passion is coaching others and she is a certified Life
Coach by New Skills Academy.


Her teachings which are True Stories can be shared with people of all walks of life regardless of their
age, race, or ethnicity. She has a way of being able to reach out to anyone, and the knowledge from her
teachings will always stick with you.