Signal $100,000 Perfect Bracket Competition

The Signal $100,000 Perfect Bracket Competition (the "Competition") gives eligible participants the opportunity to win up to $100,000 USD by correctly predicting every outcome within the designated tournament bracket.

The Competition is operated by Monorail / Signal ("Operator"). It is a promotional campaign intended solely for eligible users of the Signal platform and is void where prohibited by law.

This Competition is not sponsored by, endorsed by, administered by, or affiliated with FIFA, Polymarket, or any tournament organizer.

• —"Tournament" means the FIFA World Cup 2026™, as officially recognized and administered by its governing body.
• —"Bracket" means the official tournament prediction bracket made available by the Operator for purposes of the Competition.
• —"Perfect Bracket" means a valid Bracket submission in which the participant correctly predicts every required match outcome in the Tournament from the applicable starting round through the final match.
• —"Outcome" means the team officially recorded as advancing or winning the applicable match by the Tournament organizer, including outcomes determined after extra time or penalty shootouts where applicable.
• —"Submission Deadline" means 11 June 2026 19:00 UTC, or such other deadline communicated by the Operator through official Signal channels.
• —"Qualifying Platform Activity"means at least $100 USD equivalent in cumulative trading volume completed by the participant on the Signal platform during the Competition qualification period, as measured by the Operator's systems.

For purposes of calculating Qualifying Platform Activity, "trading volume" means the aggregate notional value of eligible buy and sell transactions completed through the Signal platform. Both purchases and sales may count toward trading volume.

Canceled, failed, reversed, refunded, fraudulent, abusive, wash, self-directed, circular, coordinated, or otherwise invalid transactions do not count toward Qualifying Platform Activity, as determined by the Operator in its sole discretion.

To participate, users must:

• —be at least eighteen (18) years old or the legal age of majority in their jurisdiction, whichever is higher;
• —have a valid and verified Signal account;
• —maintain their Signal account in good standing from entry through winner verification and prize payment;
• —complete all required Qualifying Platform Activity before the Submission Deadline;
• —comply with all applicable laws, regulations, sanctions requirements, platform policies, and these Terms & Conditions; and
• —be located in a jurisdiction where participation in the Competition and access to related services are legally permitted.

The Operator reserves the right to restrict, deny, suspend, or terminate participation at its sole discretion for legal, compliance, security, operational, integrity, or risk-management reasons. The Competition is void where prohibited by law.

Participation in the Competition is strictly prohibited from any jurisdiction restricted by the Operator, applicable law, sanctions programs, regulatory requirements, or third-party service provider restrictions.

Restricted jurisdictions include any country, territory, region, or location identified by relevant third-party service providers as blocked, restricted, frontend-restricted, close-only, sanctioned, unavailable, or otherwise ineligible for related prediction market services.

As of 12 May 2026, participation is prohibited from the following countries and territories:

• —Australia
• —Belgium
• —Belarus
• —Burundi
• —Central African Republic
• —Congo (Kinshasa)
• —Cuba
• —Germany
• —Ethiopia
• —France
• —United Kingdom
• —Iran
• —Iraq
• —Italy
• —North Korea
• —Lebanon
• —Libya
• —Myanmar
• —Nicaragua
• —Netherlands
• —Russia
• —Somalia
• —South Sudan
• —Sudan
• —Syria
• —United States Minor Outlying Islands
• —United States
• —Venezuela
• —Yemen
• —Zimbabwe
• —Any other country, territory, or region designated as blocked, restricted, frontend-restricted, close-only, sanctioned, unavailable, or otherwise ineligible by the Operator or relevant third-party service providers.

Participation is also prohibited from the following restricted regions:

• —Ontario, Canada
• —Crimea, Ukraine
• —Donetsk, Ukraine
• —Luhansk, Ukraine
• —Any other region designated as blocked, restricted, frontend-restricted, close-only, sanctioned, unavailable, or otherwise ineligible by the Operator or relevant third-party service providers.

For operational purposes, the Operator may use the Polymarket geoblock API, internal compliance systems, IP geolocation, KYC information, sanctions screening, device information, and other reasonable controls to determine whether a participant is eligible to enter, participate, trade, remain eligible, or receive a prize.

The Polymarket geoblock API and related platform availability checks may be treated by the Operator as an authoritative operational source for determining whether related prediction market services are available from a participant's detected location. However, passing a geoblock check does not guarantee eligibility, and failing a geoblock check may result in ineligibility, disqualification, account restrictions, or prize forfeiture.

Participants are prohibited from using VPNs, proxies, onion routers, remote desktops, false location data, false identities, or any other method to circumvent geographic restrictions, compliance controls, or platform restrictions.

Participants represent and warrant that they are not:

• —located in any restricted, sanctioned, embargoed, or otherwise prohibited jurisdiction;
• —included on any sanctions or restricted persons list;
• —acting on behalf of any prohibited person or entity; or
• —attempting to circumvent geographic, compliance, platform, or regulatory restrictions.

The Operator reserves the right to update restricted jurisdictions at any time and to make final eligibility determinations based on applicable law, regulatory requirements, third-party service restrictions, sanctions obligations, platform risk controls, and Competition integrity.

To submit a valid Competition entry, participants must, before the Submission Deadline:

• —create and maintain a verified Signal account in good standing;
• —complete all required identity verification, sanctions screening, anti-money laundering checks, source-of-funds checks, and other compliance reviews requested by the Operator;
• —complete the required Qualifying Platform Activity, meaning at least $100 USD equivalentin cumulative trading volume on the Signal platform, as measured by the Operator's systems; and
• —submit a completed Bracket through the official Competition entry flow.

Qualifying Platform Activity is a platform usage requirement and does not constitute an entry fee. Deposited funds, if any, remain the property of the participant. However, any trading losses, fees, slippage, transaction costs, gas fees, or other costs incurred while completing Qualifying Platform Activity are solely the responsibility of the participant.

The Operator may review any participant's trading activity, including the trading activity of potential winners, to confirm that Qualifying Platform Activity was completed through genuine, non-abusive platform usage. The Operator may disqualify any participant, void any entry, or deny prize eligibility if it determines that trading activity was artificial, abusive, manipulative, wash trading, self-dealing, coordinated, or otherwise inconsistent with these Terms & Conditions.

All entry requirements must be completed before the Submission Deadline.

• —Only one (1) entry is permitted per verified individual.
• —Brackets may not be modified once submitted.
• —Late, incomplete, fraudulent, duplicated, manipulated, or otherwise invalid submissions will not be accepted.

Participants must predict the Outcome of every required Tournament match within the official Bracket structure provided by the Operator.

For knockout-stage matches, predictions are based on the team officially advancing to the next round, regardless of whether advancement occurs during regulation time, extra time, or penalty shootouts.

Predictions are final once submitted.

Official Tournament results, as published by the Tournament organizer, shall be the primary source for determining match Outcomes.

Where the Operator uses third-party markets, data providers, liquidity providers, APIs, or oracles to administer scoring, eligibility, or Competition operations, the Operator reserves the right to rely on official Tournament reports or another reasonable source if such third-party source is unavailable, canceled, voided, disputed, delayed, technically impaired, or inconsistent with official Tournament results.

The Operator reserves the right to determine, in its sole discretion, how postponed, abandoned, canceled, replayed, disputed, delayed, rescheduled, or otherwise modified matches affect Competition scoring and results, including by delaying settlement, voiding a match for scoring purposes, or using the final official result once available.

7.1 Grand Prize

A total prize pool of up to $100,000 USD (the "Grand Prize") will be awarded only if at least one eligible participant achieves a Perfect Bracket.

7.2 Multiple winners

If multiple eligible participants achieve a Perfect Bracket, the Grand Prize shall be divided equally among all eligible winners.

7.3 No Perfect Bracket

If no eligible participant achieves a Perfect Bracket, no Grand Prize will be awarded.

The Operator reserves the right to substitute prizes of equivalent value where necessary for legal, operational, payment, compliance, or regulatory reasons.

Potential winners may be required to:

• —complete identity verification;
• —complete sanctions screening, anti-money laundering checks, source-of-funds checks, and other compliance reviews;
• —provide additional compliance, tax, residency, or eligibility documentation;
• —demonstrate compliance with these Terms & Conditions; and
• —cooperate with fraud prevention, risk, security, or Competition integrity reviews.

Failure to complete verification requirements within the timeframe requested by the Operator may result in disqualification and forfeiture of any prize eligibility.

Prizes will be paid in USDC, or another equivalent payment method determined by the Operator within a commercially reasonable timeframe following successful verification.

The Operator may withhold, delay, deny, or refuse any prize payment where required or appropriate under applicable law, regulation, sanctions obligations, compliance procedures, risk controls, fraud prevention policies, or these Terms & Conditions.

All taxes, duties, reporting obligations, and governmental fees associated with receipt of any prize are solely the responsibility of the recipient.

The Operator's determination of eligibility, scoring, verification, and winners shall be final and binding.

The following activities are strictly prohibited:

• —wash trading, self-trading, circular trading, coordinated trading, artificial volume generation, or any other activity intended to create the appearance of Qualifying Platform Activity without genuine platform usage;
• —multiple accounts, wallets, or entries per individual;
• —shared account access;
• —use of bots, scripts, automation, or artificial participation methods;
• —coordinated manipulation, collusion, or syndicate participation;
• —exploitation of bugs, vulnerabilities, or unintended system behavior;
• —fraudulent, deceptive, abusive, or unlawful conduct;
• —attempts to circumvent geographic, compliance, trading, or eligibility restrictions; or
• —any conduct that undermines the fairness, integrity, or proper operation of the Competition.

The Operator reserves the right to investigate participation, account activity, transaction history, trading activity, wallet activity, device fingerprints, IP addresses, technical identifiers, geolocation signals, and related information for fraud prevention, compliance, risk, and Competition integrity purposes.

The Operator may, at its sole discretion:

• —disqualify entries;
• —suspend or terminate accounts;
• —void prize eligibility;
• —reverse eligibility determinations;
• —restrict platform access; and/or
• —take any other action deemed necessary to preserve Competition integrity, comply with applicable law, or enforce these Terms & Conditions.

Participation in the Competition involves prediction, uncertainty, and market risk.

Participants acknowledge and agree that:

• —trading activity may result in financial losses;
• —deposited funds, trading positions, and platform activity are not risk-free;
• —any trading losses, fees, slippage, transaction costs, gas fees, or other costs incurred while satisfying Qualifying Platform Activity are solely the participant's responsibility;
• —the Competition does not constitute financial advice, investment advice, trading advice, or a guaranteed return opportunity; and
• —participation occurs entirely at the participant's own risk.

To the maximum extent permitted by law, the Operator is not responsible for:

• —platform downtime, outages, latency, or technical failures;
• —API failures, data feed failures, oracle failures, or third-party service interruptions;
• —wallet issues, blockchain congestion, delayed transactions, failed transactions, transaction reverts, gas fee volatility, or network errors;
• —delayed, incomplete, invalid, corrupted, or unsuccessful Bracket submissions;
• —failed or delayed completion of Qualifying Platform Activity;
• —connectivity issues, device failures, user errors, or browser errors;
• —unauthorized access, security incidents, or technical attacks; or
• —any other technical or operational issue that may affect a participant's ability to enter, participate, satisfy eligibility requirements, submit a Bracket, or receive a prize.

Participants are responsible for ensuring that they complete all entry requirements and submit their Bracket before the Submission Deadline.

The Operator reserves the right, at any time and in its sole discretion, to:

• —modify these Terms & Conditions;
• —suspend, postpone, restrict, or terminate the Competition;
• —adjust eligibility requirements, timelines, prize structures, or operational mechanics; or
• —disqualify participants where necessary for legal, operational, security, compliance, risk, or integrity reasons.

Material changes may be communicated through official Signal channels.

To the maximum extent permitted by law, the Operator and its affiliates, officers, employees, contractors, service providers, and partners shall not be liable for:

• —technical failures, outages, or platform downtime;
• —delayed, incomplete, invalid, corrupted, or unsuccessful submissions;
• —connectivity issues or third-party service interruptions;
• —human error or data inaccuracies;
• —unauthorized access or security incidents;
• —Tournament scheduling changes, organizer decisions, or official result changes;
• —trading losses, fees, slippage, gas fees, transaction costs, or market losses; or
• —any indirect, incidental, consequential, special, exemplary, or punitive damages arising from participation in the Competition.

The Competition and related services are provided on an "as is" and "as available"basis without warranties of any kind, whether express or implied. Participation occurs entirely at the participant's own risk.

These Terms & Conditions shall be governed by and construed in accordance with the laws of The British Virgin Islands, without regard to conflict of law principles.

The Operator reserves the right to require disputes arising from the Competition to be resolved through binding arbitration or the courts located in The British Virgin Islands, subject to applicable law.

To the maximum extent permitted by law, participants waive any right to participate in class actions, collective actions, or representative proceedings.

Participation in the Competition may require the collection, use, processing, and retention of personal information for purposes including:

• —identity verification;
• —sanctions screening;
• —anti-money laundering checks;
• —source-of-funds reviews;
• —geolocation and geoblock checks;
• —fraud prevention;
• —Competition administration;
• —risk and security monitoring; and
• —prize fulfillment.

Participation is subject to the Signal / Monorail Privacy Policy.

Where permitted by law, winners may be required to participate in reasonable promotional activity related to the Competition, including the use of their username, public profile information, likeness, statements, or prize information for marketing and promotional purposes without additional compensation.

By participating in the Competition, participants agree to:

• —these Terms & Conditions;
• —Signal / Monorail's Terms of Service;
• —Signal / Monorail's Privacy Policy; and
• —any additional Competition rules, eligibility requirements, or official instructions communicated by the Operator.

If a participant does not agree to these Terms & Conditions, they must not participate in the Competition.

In the event of any dispute, ambiguity, technical issue, eligibility issue, scoring issue, or unforeseen circumstance, the Operator's determination and decisions shall be final and binding.