Win 1 of 5 prizes of a $1,000 BMO® prepaid Mastercard® (the “BMO® prize”) or one grand prize of a $10,000 cheque (the “Grand Prize”) from OTIP/RAEO Insurance Brokers Inc. (“OTIP”). Enter at: https://cloud.e.otip.com/always-on-contest. Contest runs between September 3, 2019 and August 31, 2020. Open to all active and retired Ontario education community and Edvantage members. Must be an Ontario resident, minimum 18 years of age to enter. Enter your first and last name, email address, postal code, province and phone number to be eligible. Earn up to 3 extra ballots into contest by entering your home insurance renewal date, your auto insurance renewal date and the date you plan to retire. 1 ballot awarded for each date entered into contest. If date(s) are entered into contest, contestant agrees to be contacted by an OTIP broker to discuss their renewal and/or retirement insurance plans. Contest can only be entered once. Employees, trustees, directors of OTIP and Edvantage are excluded. Draws for the BMO® prizes and the Grand Prize will take place on or about September 7, 2020. No purchase necessary. Selected contestants to win a BMO® prize or the Grand Prize must correctly answer unaided, a mathematical, skill-testing question before being declared a winner. Odds of winning any of the prizes including the Grand Prize depend on number of eligible entries received by OTIP and Edvantage, combined, during the contest up until 11:59:59 pm EST, August 31, 2020. A winner of one prize will not be eligible for any of the other prizes, including the Grand Prize. *Restrictions apply. See full terms and conditions at www.otip.com/contest-rules.