Rules for the 2016 Tanguay House draw

TOTAL PRIZE VALUE: $705,500

The ticket provides three (3) chances to win one of the twenty-five (25) prizes that will be awarded in the Grand Draw on September 18, 2016. The twenty-five (25) winning tickets will be randomly pre-selected on one of the dates below and deposited in a barrel specifically for the Grand Draw.

1. Pre-selection of 10 winners-finalists on April 22, 2016, at 9 a.m. at Ameublements Tanguay's head office located at 7200 Armand-Viau Street in Quebec City. To be eligible for this pre-selection, purchase your ticket before April 18, 2016.

2. Pre-selection of 5 winners-finalists on July 8, 2016, at 9 a.m. at Ameublements Tanguay's head office located at 7200 Armand-Viau Street in Quebec City. To be eligible for this pre-selection, purchase your ticket before July 4, 2016.

3. Pre-selection of 10 winners-finalists on September 9, 2016, at 9 a.m. at Ameublements Tanguay's head office located at 7200 Armand-Viau Street in Quebec City. To be eligible for this pre-selection, purchase your ticket before September 5, 2016.

THE GRAND DRAW WILL TAKE PLACE ON SEPTEMBER 18, 2016 AM, ON THE PROGRAM SALUT BONJOUR WEEKEND, ON TVA À QUÉBEC:

All twenty-five (25) capsules of the pre-selected winners will be placed in the winners' barrel (barrel #1). A second barrel (barrel #2) will contain the 23 capsules representing each of the prizes listed below, with the exception of the House and the car, which will all be awarded at random.

Step 1 - Two capsules are randomly selected from the winners' barrel (barrel #1) by the draw manager. These represent the grand prize winner of the House as well as a winner of a 2016 Mercedes-Benz CLA 250 valued at $40,000 including taxes, preparation and transportation, which will only be revealed at the very end of the draw. Registration, insurance, gas and maintenance of the vehicle are at the winner's expense.

Step 2 - Each winner is drawn in turn from the winners' barrel (barrel #1) by the draw manager. Once selected, the winners or their representatives* draw from the prize barrel (barrel #2) a capsule corresponding to the prize they will be awarded.

Step 3 - Finally, the last capsule (23rd) in the winners' barrel (barrel #1) will receive the last remaining prize in the prize barrel (barrel #2).

Step 4 - When there are no more capsules left in the winners' barrel (barrel #1), the person in charge of the draw will pick one of the two capsules set aside at the very beginning of the draw (in step 1) which will first reveal the name of the grand prize winner of the 2016 Tanguay House. The last remaining capsule will designate the winner of the 2016 Mercedes-Benz CLA 250, valued at $40,000.

*If the winner is not present at the time of the grand draw, the Maurice Tanguay Foundation will designate a representative who will act on his behalf. This representative will pick a capsule, at random from barrel #2, corresponding to the prize that will be awarded to the winner he/she represents.

The prize barrel (barrel #2) will contain 23 capsules including the following 23 prizes:

Eight $1,000 gift certificates redeemable at Canadian Tire before March 31, 2017;
Five $2,000 gift certificates redeemable at Qualinet before March 31, 2017;
Five $3,000 gift certificates redeemable at Latulippe before March 31, 2017;
Five $5,000 gift certificates redeemable at Ameublements Tanguay before March 31, 2017;

The 24th and 25th prizes (to be awarded to the winners selected in step 1): Among the 2 capsules set aside in step 1, the first one randomly selected will designate the grand prize winner who will have the choice of either the House Everywhere in Quebec Prize or the $500,000 Silver Prize (25th prize). The remaining capsule will designate the winner of the 24th prize, a 2016 Mercedes-Benz CLA 250 automobile, valued at $40,000.

For your information, the Home Award everywhere in Quebec*, includes (total value of $607,500 taxes included) :

The construction of a house with a total value of $400,000
An allowance of $100,000 for the land and landscaping in a municipality of your choice in Quebec.*
The furniture and decoration worth $52,500.
In addition, for a period of 5 years, the winner will be entitled to the following benefits: property and school taxes, electricity, heating, telephone service subscription as well as notary fees for the transaction (value of $55,000).

*The winner will be able to receive this house in the municipality of his choice in Quebec only. However, the land chosen must be served by public and municipal services (electricity, water supply, etc.) and qualified labour must be available in the region concerned in order to carry out this project. The Maurice Tanguay Foundation's responsibility cannot exceed $607,500, all taxes included, for the realization of this project.

The winner may also choose the Silver Award. If the winner chooses the Silver Award, the Maurice Tanguay Foundation will award the sum of $500,000.

The winner will have 15 days from the date of the draw to choose between the House Prize and the Silver Prize, in order to award the House to the winner in a timely manner, if applicable.

Number of bills in circulation: 220,000 $10 bills numbered from 100,001 to 320,000.

The draws will be supervised by Raymond Chabot Grant Thornton.

All winners will be announced in the Journal de Québec, the electronic media and on the websites www.fondationmauricetanguay.com and www.maisontanguay.com.

The Maurice Tanguay Foundation will contact the winners within 48 hours of the draw date. The winners will have 30 days, after September 18, 2016, to claim their prize from the Maurice Tanguay Foundation, 4815 de l'Ormière Blvd, Suite 280, Quebec City, Quebec, G1P 1K6, telephone (418) 627-5527, fax (418) 627-2098. Prizes are non-transferable, non-redeemable and non-exchangeable. Winners must take possession of the prizes as described in the rules.

A winner must consent, if requested and without compensation, to the use of his/her name, photograph, voice, place of residence and/or any statement related to the prize being awarded for publicity purposes related to this contest.

All the details of the prizes and rules are available at the Maurice Tanguay Foundation.

Any dispute will be submitted to the Régie des alcools des courses et des jeux for a final decision.

Restriction: To participate in this lottery, you must be 18 years of age or older. Members of the Board of Directors of the Maurice Tanguay Foundation and their spouses cannot participate in these draws.

Printing license number: 421758-1

DESCRIPTION OF THE 5 YEAR NO CHARGE

1. The Foundation provides the Winner with a package of home-related benefits for a period of five (5) years (hereinafter referred to as "The 5-Year Free").

The Winner will take possession of the property when the Foundation deems the construction of the House to be completed to the Winner's satisfaction, and the beginning of the 5-year no-cost period will be the date the keys to the House are physically handed over by the Foundation to the Winner (hereinafter referred to as the "Possession Date"). The Foundation assumes no responsibility for any delay caused by any event beyond its control including but not limited to strikes, fire, explosion, etc.

2. In this document, the term "year" means twelve (12) months from the date of taking possession of the house.

3. The benefits offered are as follows:

MUNICIPAL AND SCHOOL TAXES

The Foundation will pay the cost of municipal and school taxes for a maximum amount and a maximum period of sixty (60) months from the date the Winner takes possession of the house. The Winner must present his tax bills to the Maurice Tanguay Foundation office and the Foundation will pay these bills, without exceeding the maximum amount.

The maximum amount paid per year by the Foundation will be six thousand three hundred and sixty dollars ($6,360) for a period of 5 years from the date of taking possession of the House, for a grand total maximum of thirty-one thousand eight hundred dollars ($31,800).

If the last year of the 5-year free ride ends prior to December 31 of the current calendar year, a fee adjustment will be made accordingly between the Foundation and the Winner.

Should the Winner add any outbuildings to the property, such as a pool, shed, etc., and these additions increase the assessment of the property, the Foundation will not be responsible for the payment of any additional taxes generated by these improvements and the Winner will be responsible for paying the taxes for the portion of the improvements made.

To be eligible for this benefit, the Winner must live in the 2016 Tanguay House. This benefit is refundable as per clause 6 of this document.

ELECTRICITY AND HEATING

The Winner shall present his electricity bills to the Maurice Tanguay Foundation office and the Foundation shall pay these bills, taking into account the study/evaluation made by Hydro-Quebec for the Foundation, which shows that a maximum amount of four thousand five hundred ($4,500) per year, all taxes included, is sufficient to cover the cost of electricity, including the heating of the house. The maximum amount paid by the Foundation will therefore be limited to this amount, for a period of five (5) years, starting from the date of taking possession of the house, for a grand total maximum of twenty-two thousand five hundred dollars ($22,500).

The Foundation delivers to the winner a single-family home with no outbuildings. It is understood that any excess electricity and heating costs required for outbuildings, such as a pool, shed, etc., or modifications made to the building by the Winner that increase the cost of electricity and/or heating of the property above the maximum amount will be the responsibility of the Winner or the owner.

To be eligible for this benefit, the Winner must live in the 2016 Tanguay House. This benefit is refundable as per clause 6 of this document.

TRANSFER OF OWNERSHIP

The transfer of title to the property to the Winner will be made before a notary from the firm of Gosselin, Lagueux, Roy in Levis and all costs will be borne by the Foundation (value of $700).

4. In the event of the death of the Winner during the 5-year free period, the Foundation may require that only one (1) person be involved and the owners will be required to appoint an agent to represent them with the Foundation.

5. The Foundation reserves the right to pay in one (1) installment, at any time during the 5-year free period and at its sole discretion, the amount of the Foundation's estimate (see clause 6 below) of the cost of the benefits offered or any unpaid balance at the time of payment, and the homeowner shall give final release of all obligations to the Foundation.

6. In the event that the Foundation applies clause 5, the Foundation will compensate the Winner with a cheque for the value of the tax and heating benefits according to the table below:

1st year: $55,000
2nd year: $44,000
3rd year: $33,000
4th year: $22,000
5th year: $11,000

less any amounts incurred by the Foundation for such services since the beginning of the year in which the sale is to take place, which is accepted by the Winner, with final release by the Winner to the Foundation of all obligations to the Winner, upon receipt of the agreed amount.

7. Notwithstanding the conditions listed above, the Foundation also offers the Winner the option of releasing the Foundation from its 5-year obligations at no cost in consideration of the payment of fifty-five thousand dollars ($55,000 ) upon signing the notarized contract. In this case, the Winner will have to give the Foundation a final release of all its obligations, thus freeing the Foundation from all its commitments towards the Winner and any eventual buyer.

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† Rounded discount and may include 2-tax discount if applicable

You can now pay your bill online via the following financial institutions:

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Matching funds with interest (FRE)

Financing at Tanguay Furniture, excluding taxes and ecofees, is obtained exclusively with a Desjardins credit card or with a Tanguay-Desjardins private card. Accord D Desjardins financing for your online and in-store purchases. Subject to Accord D Desjardins credit approval.

The consumer now buys and pays in equal instalments with interest.

Legal note

Subject to approval by the Fédération des caisses Desjardins du Québec ("Desjardins"). All annual interest rates are subject to change. There are no enrolment or renewal fees associated with entering into this agreement. Purchase by equal instalments is subject to annual interest of 13.5%, calculated from the date of purchase, until paid in full. Equal monthly installments are calculated by dividing the amount financed, plus 13.5% annual interest, sales tax and EcoFee if applicable throughout the promotion period, by the number of months in the promotion; the monthly installment amount will appear on the monthly account statements sent to you upon purchase. On or before the due date indicated on the statement of account for a billing period, you must pay, in a single payment, the monthly instalment(s) for the period covered by the statement of account plus, if applicable, the other amounts included in the minimum payment due for the card, as provided for in the contract. If the monthly instalment thus due is not paid in full on its due date, annual interest of up to 19.9% will accrue on the amounts due and unpaid until they are paid in full.

The card's grace period is 21 days without interest, from the end of the billing period, to pay the full balance of the statement without being obliged to pay credit fees, except on cash advances. The minimum card payment is 2% to 5%, depending on the card, of the total of: the balance shown on the statement for the previous period; the credit charges applicable to purchases and monthly instalments outstanding at the end of that period; current purchases, cash advances and cheques for the period covered by the statement; and the credit charges on cash advances and cheques; plus : the monthly payment(s) for the period covered by the statement, the amount of deferred payment purchases due on the date of the statement, any overdue amounts and any other amounts provided for in the card contract. See the Desjardins Variable Credit Agreement available in shops for more details.

Examples of credit charges

	Annual cost		Cost for a 30 day period
Annual interest rate	Average daily balance		Cost for a 30 day period
Annual interest rate	100 $	500 $	100 $	500 $
13,5 %	13,51 $	67,55 $	1,11 $	5,55 $
19,9 %	19,90 $	99,50 $	1,64 $	8,18 $

The annual interest rate may be applicable to a current purchase, an equal instalment purchase, a deferred payment purchase, a deferred equal instalment purchase or multiple equal instalment purchases.

Equal monthly payments without interest financing

On approved credit. An annual adhesion fee of $35, as set out in your Account Agreement, will be charged to your Account for all plan with a 12-month term or more. Financing is provided by Fairstone Financial Inc. and is subject to all the terms and conditions in your Retail Credit Agreement and Disclosure Statement and the promotional plan disclosure statement (collectively the “Account Agreement”).

Under this plan, credit charges will not accrue on the purchase during the promotional period if the required minimum payment is made each billing cycle during the promotional period when due. The purchase price is divided by the number of months in the promotional period to determine equal monthly payments to be made during the promotional period. If the minimum payment is not made when due or if a balance remains after the promotional period expires, credit charges will be assessed at the standard annual interest rate of 31.99%, as set out in your Account Agreement. The terms of this credit promotional plan will terminate if you default under your Account Agreement.

On termination or expiry of the promotional plan (or for purchases that are not part of the credit promotional plan), the annual standard credit rate of 31.99%, as set out in your Account Agreement, and the terms of the regular credit plan will apply to all outstanding balances owing. The grace period to make the minimum payment or pay the new balance is 21 days. The minimum payment due includes (i) the minimum payment under the applicable credit plan and, if applicable (ii) past due amounts, minimum payments on all other charges, minimum payments on credit insurance premiums and any credit limit overage amounts. Each Account Statement covers a billing period of approximately 30 days. See the Account Agreement for more information.

Examples of credit charges

Pruchase amount	Annual interest rate	Cost for 30-day billing cycle	Annual cost
100$	31,99%	2,63$	31,99$
500$	31,99%	13,15$	159,95$
1 000$	31,99%	26,29$	319,90$

Deferred payment financing (DPF)

The consumer buys now and pays later without interest throughout the deferral period ("Pay later" financing).

Legal note

Subject to approval by the Fédération des caisses Desjardins du Québec ("Desjardins"). All annual interest rates are subject to change. The "Pay Later" offer allows you to pay off a deferred payment purchase with a credit card issued by Desjardins ("the card") that is interest-free for the period determined at the time of purchase. If the purchase is not paid in full when due, an annual interest rate of up to 21.9% will apply from the date the payment is due until the payment is paid in full. The payment is converted to the repayment method of a purchase in equal and consecutive instalments payable in 12 equal monthly instalments if the converted balance is less than $1,000, in 24 equal monthly instalments if the converted balance is equal to or greater than $1,000 and less than $3,000, and in 36 equal monthly instalments if the converted balance is equal to or greater than $3,000 Equal monthly payments are calculated by dividing the converted balance, plus interest of up to 21.9% for the entire period covered by the equal and consecutive installment plan and, if applicable, sales taxes and EcoFees, by the number of months in that period; the amount of the monthly payments will appear on the monthly account statements sent to you from the payment due date. On or before the due date indicated on the statement of account for a billing period, you must pay, in a single payment, the monthly instalment(s) for the period covered by the statement of account plus, if applicable, the other amounts included in the minimum payment due for the card, as provided for in the contract.

If the monthly instalment due is not paid in full by its due date, interest of up to 19.9% per annum will accrue on the outstanding amounts due until they are paid in full. The card's grace period is 21 days without interest, from the end of the billing period, to pay the full balance of the statement without being obliged to pay a credit fee, except on cash advances. The minimum card payment is 2% to 5%, depending on the card, of the total of: the balance shown on the statement for the previous period; the credit charges applicable to purchases and monthly instalments outstanding at the end of that period; the current purchases, cash advances and cheques for the period covered by the statement; and the credit charges on cash advances and cheques; plus : the monthly payment(s) for the period covered by the statement, the amount of deferred payment purchases due on the statement date, any overdue amounts and any other amounts provided for in the card agreement. Credit card available with no application or renewal fees. Details in shop.

Examples of credit charges

	Annual cost		Cost for a 30 day period
Annual interest rate	Average daily balance		Cost for a 30 day period
Annual interest rate	100 $	500 $	100 $	500 $
19,9 %	19,90 $	99,50 $	1,64 $	8,18 $
21,9 %	21,90 $	109,50 $	1,80 $	9,00 $

Equal Monthly Payments With Interest

On approved credit. Financing is provided by Fairstone Financial Inc. and is subject to all the terms and conditions in your Retail Credit Agreement and Disclosure Statement (collectively the “Account Agreement”). Under this plan, a reduced rate credit charge of 13.99% will be charged on the purchase. The amount of the purchase, plus credit charges as calculated, is divided by the term to arrive at equal monthly payments which will be due each billing cycle on the due date, and constitute the minimum payment due each month. Interest is pre-calculated and included in each monthly payment. If the minimum payment is not made when due or if a balance remains after the promotional period expires, credit charges will be assessed at the standard annual credit rate of 31.99% as provided for as shown in your Retail Credit Agreement and Disclosure Statement. The grace period to make the minimum payment or pay the new balance is 21 days. The minimum payment due includes (i) the minimum payment under the applicable credit plan and, if applicable (ii) past due amounts, minimum payments on all other charges, minimum payments on credit insurance premiums and any credit limit overage amounts. Each Account Statement covers a billing period of approximately 30 days. No adhesion fee. See the Account Agreement for more information.

Examples of equal monthly payments with interest fee

Purchase	Interest rate	Monthly payments
Purchase	Interest rate	12 months	24 months
$1000	13,99%	$89,78	$48,01
$2000	13,99%	$179,56	$96,02
$3000	13,99%	$269,35	$144,02

Your Account

Rules for the 2016 Tanguay House draw

DESCRIPTION OF THE 5 YEAR NO CHARGE