Flip Dollar™ Terms and Conditions

1. What is Flip Dollar™?

Flip Dollars is a dual purpose reward program offered by Flip & Floss Incorporated ("Flip & Floss™") (which includes its subsidiaries, Flip & Floss USA and Flip & Floss US) that allows kids to redeem their Flip Dollars for a cash value or for discounts at Participating Stores ("Participating Stores"), under these terms and conditions ("Terms and Conditions") available through participating retail locations and websites operating under the Flip & Floss banners.

These Terms and Conditions replace any other terms and conditions that we may have provided to you and govern your participation as a member of Flip & Floss. By participating in the Program, you (or your parent or legal guardian on your behalf, as the case may be), accept and agree to these Terms and Conditions, including as they may be amended from time to time.

2. How Can I Participate?

To participate, you must be a Canadian or US resident, and must obtain the consent of your parent or legal guardian if you are under the age of majority in the province, territory, state or country in which you reside. In all cases, the Program is not targeted to children under the age of 13. Flip Dollars is not available to corporations, businesses, charities, partnerships enterprises or anyone other than an individual, unless written approval is received in advance from Flip & Floss in its sole discretion.

3. Earning Flip Dollars™

There are several ways to earn Flip Dollars:

a. Taking Courses

In order to receive Flip Dollars™ from completing courses, you must successfully complete a course and pass the quiz. Each successful attempt at a course is worth 1,000 Flip Dollars.

b. Completing Tasks Assigned By Parent(s) or Legal Guardian

Flip Dollars™ can be rewarded by parents or legal guardians to child(ren) who successfully complete all their assigned tasks. Parents or Legal Guardian who purchased yearly subscriptions to a Flip & Floss plan will receive a 20% discount. Parents and Legal Guardians will also have the ability to purchase additional Flip Dollars in their digital wallet on Flip & Floss that they can then use to reward their child(ren) when they successfully complete assigned chores and courses.

c. Taking Challenges

From time-to-time Flip & Floss will offer challenges in the forms of games, quizzes and competitions. When a child successfully meets the requirements, they will be rewarded Flip Dollars™ as outlined in the challenge.

4. Redeeming Flip Dollars™ Points

To "redeem" means to use your Flip Dollars to pay, or partially pay, for purchases by using your Flip Card or with Program Participants that offer redemption, following the instructions provided by the cashier, the point-of-sale terminal or other payment processing device. You can redeem Flip Dollars™ you earn for eligible purchases, or for any other purposes of which we may advise you from time to time.

Flip Dollar Currency Value

The cash value of Flip Dollars is determined by the member's country of residence:

• • For US residents, 10,000 Flip Dollars is equal to $1.00 USD
• • For Canadian residents, 10,000 Flip Dollars is equal to $1.00 CAD
• • For all other residents, the conversion rate is subject to the then-current exchange rate based on $1.00 USD

5. Earning and Redemption Exclusions

Flip Dollars™ cannot be earned or redeemed for any of the following:

• • The purchase of tobacco, lottery tickets, or alcohol
• • Drugs
• • Other products or services that we may specify from time to time or where prohibited by law

6. Other Earning and Redemption Rules

In any one transaction, Flip Dollars™ may only be earned on a single Card, and may only be credited to a single Account. While you may not earn the same Flip Dollars™ multiple times by completing the same courses, some transactions may allow you to earn Flip Dollars in multiple ways. For example, when a parent or guardian assigns chores or by completing weekly Job Duties, you will receive Flip Dollars™ multiple times from these transactions.

Flip Dollars™ may also be redeemed for purchases made through delivery services by loading your Flip Dollars™ on a prepaid card eligible to make purchases.

Our records of the number of Flip Dollars™ earned, redeemed or deducted are deemed accurate. If you have a concern regarding your Account balance, you must contact us and provide relevant evidence within 45 days from the relevant transaction date to report any discrepancy. If we do not hear from you within 45 days, it means you agree with us about your Flip Dollars™.

If your Card is lost or stolen, contact us to turn off redemption capabilities for that Card. You are responsible for all redemptions on your Account, including any redemptions made on your Account before you turn off redemption capabilities on a Card that was lost or stolen.

Should you choose to close your Account, you will have 90 days to redeem any Flip Dollars™ accumulated in your Account. Any Flip Dollars not redeemed after 90 days from the closure of your Account will be forfeited and removed from your Account.

You may donate your Flip Dollars™ to a charity that we may specify from time to time, through your Account online. Contact us for details.

7. Pooling Your Flip Dollars™ Through a Flip Pool

A "Flip Pool" is a group of Flip Dollars. Program members having a personal or family relationship that agree to share their Flip Dollars.

A Flip Dollars member can invite any friend or family member to join their Flip Pool by logging into their online Flip Dollars account and following the prescribed steps. After completing the steps, Flip Pool members can safely transfer Flip Dollars from their Program Account to their family or friends. A friend or family member can only join a Flip Pool if they have a Flip Boss Plan with Flip & Floss.

8. Privacy

Flip & Floss Incorporated ("Flip & Floss™") and ("Flip Academy™") Privacy Policy (the "Privacy Policy") applies to the Flip Dollars Program and is available at www.flipandfloss.com or upon request. By agreeing to these Terms and Conditions, you are also agreeing to the terms of the Privacy Policy. You acknowledge and agree that your personal data may be transferred and processed between The Parent Company and its subsidiaries (Flip & Floss USA and Flip & Floss US) as required to administer the Program.

9. Changes to the Program

We reserve the right to restrict, suspend or otherwise change any aspect, term or condition of the Flip Dollars™ Program. We may modify all or one or more parts of these Terms and Conditions at any time, including:

• • The eligibility conditions for participating in the Flip Dollars™ Program
• • The manner in which a Flip Dollars Program member participates in the Program
• • The manner and rate at which Flip Dollars™ points are earned
• • The manner and rate at which Flip Dollars are redeemed

We will provide you advance notice by posting the amended Terms and Conditions online at www.flipandfloss.com, and by sending you notice using your email or mailing address. Your continued participation in the Flip Dollars Program following such notice will constitute your consent to any amendments.

10. General

By participating in any aspect of the Flip Dollars™ Program, you (and your parent or legal guardian on your behalf, as the case may be) agree to be bound by these Terms and Conditions. These Terms and Conditions may be amended from time to time, and you should check www.flipandfloss.com regularly for any updates.

Unauthorized reproduction of any Card is prohibited and can result in legal prosecution. All Cards belong to us and may be revoked at any time at our sole discretion. You are responsible for protecting and keeping secure your Account and Cards on your Account and any password or security questions used in connection with your Account and Cards.

We reserve the right to terminate the Flip Dollars Program, or any part of it, at any time on 45 days prior written notice. If the Flip Dollars Program is terminated, you will have up to 90 days after the effective termination date to redeem any Flip Dollars™ in your Account.

If any of the information you were required to submit when you registered for the Flip Dollars™ Program changes (such as your name, mailing address, email address or phone number), you must let us know immediately. We are not responsible if we cannot contact you because you have not given us current, accurate information.

11. Governing Law and Dispute Resolution

These Terms and Conditions are governed by the laws of the province of Ontario and the federal laws applicable in Ontario, without reference to conflict of laws provisions.

However, in respect of residents of Quebec, these Terms and Conditions are governed by the laws of the Province of Quebec and the federal laws applicable in Quebec.