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What are my chances?

A photo of TotoSmith TotoSmith
Hey, so I know that no one can really answer these questions but I'm curious anyway. I've applied to Waterloo mathematics and mathematical sciences at the University of Toronto and sciences at Western. My marks...
advanced functions-80% :(
overall average...85-87%
grade 11 average-81%
grade 10 average-86%

-volunteer as a reading program coordinator at a library
-assist in running services at church
-past volunteer for a para-olympics organization

Unfortunately I haven't written the Euclid yet. I'm going to write this year and I have written one other contest (although not a Waterloo competition). What do you think my chances are? I'm really unsure right now, especially for Waterloo... Also, my plan is to study actuarial science. That leads to my other question. I read somewhere that at UofT, you will be prepared to write the first actsci exam after second year, second exam after third year, and the third and fourth exams after fourth year? Does anyone know if this is correct?

Thanks so much in advance for any help! :)
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