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Sweepstakes

OFFICIAL RULES NO PURCHASE OR PAYMENT IS NECESSARY TO ENTER OR WIN. A PURCHASE OR PAYMENT WILL NOT INCREASE YOUR CHANCES OF WINNING. ALL FEDERAL, STATE, LOCAL, AND MUNICIPAL LAWS AND REGULATIONS APPLY. VOID WHERE PROHIBITED.

1. Sponsor

The FutureMoney Back to School Sweepstakes (“Sweepstakes”) is sponsored by Future Money, Inc (“Sponsor”), located at 1 Washington St. #1553 Boston, MA 02108.

2. Entry period

This FutureMoney Back to School Sweepstakes (“Sweepstakes”) begins at 12:00 AM PST on August 1st, 2025 and ends at 11:59 PM PST on September 1st, 2025 (“Entry Period” ).

Entries that are submitted before or after the Entry Period will be disqualified. Submissions will be accepted for the duration of the Sweepstakes using the ways to enter outlined below.

3. Eligibility

The Sweepstakes is open only to legal residents of the 50 United States and DC (“Eligible Territory”) who will be 18 years or older at the time of the prize drawing. Void outside the Eligibility Territory and where prohibited or restricted by law.

Any individual who has won a Prize from FutureMoney within 12 months of first being notified they are a winner is excluded from winning another Prize. Employees, agents, and officers of Sponsor and any company involved in the prize drawing, and, where applicable, the irrespective parents, subsidiaries, affiliates, and advertising and promotion agencies are not eligible to win the Sweepstakes.

Participation in the Sweepstakes constitutes entrant's full and unconditional agreement to, acceptance of, and compliance with these Official Rules, including all eligibility requirements, and the decisions of the Sponsor, which are final and binding. Winning a prize is contingent upon being compliant with these Official Rules and fulfilling all other requirements contained within these Official Rules.

Regulatory Disclosure: This Sweepstakes is not subject to registration or bonding in Florida or New York, as the total value of all prizes offered is under $5,000. It is not subject to registration in Rhode Island because it is not conducted through physical retail locations.

4. How to enter

There are two (2) ways to enter:

FUND YOUR FUTUREMONEY ACCOUNT: FUND YOUR FUTUREMONEY ACCOUNT: Every account that makes a valid deposit during the sweepstakes Entry Period will earn one (1) entry. Only valid on net new dollars, not valid on failed transactions.
ENTER FOR FREE: To enter without making a purchase, follow a participating Social Media Account (“Social Media Account”), direct message the phrase “back2school” and follow the instructions provided by direct message.

Participating Social Media Accounts include, but are not limited to, Instagram: @FutureMoneyCo, @PhilBarrar, @MoneywithKendall.

FutureMoney is not affiliated with any social media platform, nor is this contest endorsed or affiliated with any third party.

Eligible entrants must enter via either the Funding or Free method as described.

Max entries per either method is two (2) entries per sweepstakes regardless of method of entry.

Any attempt by an entrant to enter in any method other than those specifically outlined in this paragraph, obtain more than the stated number of entries by using multiple/different identities, and/or any other methods will void that entrant's entry and that entrant may be disqualified from the Sweepstakes. Any use of robotics and/or programs for the purpose of repetitive Entry methods or agents (including, but not limited to, sweepstakes entry service(s)) will void all Entries by that Entrant. In the event of a dispute as to any Entry, the authorized account holder of the email address used to enter will be considered to be the Entrant. The "authorized account holder" is the natural person assigned an email address by an Internet access provider, online service provider or other organization responsible for assigning email addresses for the domain associated with the submitted address.

Only fully completed entries are eligible. Incomplete entries are void. All entries become the property of the Sponsor. Entries will not be acknowledged or returned.

Sponsor is not responsible for incorrect or inaccurate transcription of entry information, or for any human error, technical malfunctions, lost/delayed data transmission, omission, interruption, deletion, defect, line failures of any telephone network, computer equipment, software, inability to access any Web site or online service, or any other error or malfunction, or late, lost, postage due, illegible or misdirected entries.

5. Prize drawing

The potential winner(s) will be determined in a random drawing from all eligible entries received during the respective Entry Period. There will be one winner selected on or about September 15th, 2025.

6. Odds

Odds of winning the Prize(s) depend on the number of eligible entries received during the respective Weekly Period.

7. Winner(s) notification

The Sponsor will attempt to notify the potential Winner(s) via email on or about the corresponding selection date per the chart made available in Paragraph 6. (“Winner Notification”). Failure to respond to the Winner Notification within three (3) business days, will result in disqualification, prize forfeiture and selection of an alternate potential Winner(s) may be selected in a random drawing from the remaining eligible entries received during the Entry Period. Potential Winner(s) will be required to complete, sign, and submit an Affidavit of Eligibility, a Publicity Release, and a Liability Release and Indemnification (where allowed by law), as well as other documents that Sponsor may require (collectively, “ Prize Claim Documents”) and return them, properly executed, within five (5) business days of notification as a condition of acceptance of prize. Failure to return Prize Claim Documents as specified will result in the entry being disqualified and an alternative winner selected.

8. Prizes

One (1) prize (“Prize”) is available to be awarded.

Prize Details: $1,000 into a FutureMoney Account will be awarded to one winner. The winner selection schedule can be found in Paragraph 6 of these Official Rules.

Approximate Retail Value of all Prizes: $1,000.

Prize(s) are non-transferable and no substitution will be made except as provided herein at the Sponsor's sole discretion. Sponsor reserves the right to substitute a prize(s) for one of equal or greater value if the designated prize(s) should become unavailable for any reason. Any taxes on prize(s) will be the sole responsibility of the winner.

All prize(s) are subject to the conditions found in these Official Rules. Should the winner not wish to take delivery of the Prize in a FutureMoney Account, the Winner may elect to take a cash alternative which is $529 in cash. Should the winner select the cash alternative the winner will receive $529 and no other consideration or prizing.

Any depiction of the Prize(s) is for illustrative purposes only, Sponsor expressly disclaims any and all liability.

9. Publicity

By entry into this Sweepstakes, Winner(s) consent to the use of their names, identities, and/or photographs for promotional purposes, including online announcements, without additional compensation, except where prohibited by law.

10. Winners' list

For a list of Prize Winner(s), go to www.futuremoney.co/winner-list for updated winner information. Prize Winner(s) list requests received prior to the end of the Entry Period will not be acknowledged or returned, in addition to requests received after Oct 31, 2025.

11. General conditions

Limit one prize per person and per household for the Sweepstakes. In the event that the operation, security, or administration of the Sweepstakes is impaired in any way for any reason, including but not limited to, fraud, virus, bug, worm, unauthorized human intervention or other technical problem, or in the event the Sweepstakes is unable to run as planned for any other reason, as determined by Sponsor in its sole discretion, the Sponsor may, in its sole discretion, either (a) suspend the Sweepstakes to address the impairment and then resume the Sweepstakes in a manner that best conforms to the spirit of these Official Rules or (b) terminate the Sweepstakes and, in the event of termination, award the prize at random from among the eligible, non-suspect entries received up to the time of the impairment . The Sponsor reserves the right in its sole discretion to disqualify any individual it finds to be tampering with the entry process or the operation of the Sweepstakes or to be acting in violation of these Official Rules or in a disruptive manner.

Any attempt by any person to damage the website or undermine the legitimate operation of the Sweepstakes may be a violation of criminal and civil law, and, should such an attempt be made, the Sponsor reserves the right to seek damages (including attorney's fees) and any other remedies from any such person to the fullest extent permitted by law.

Failure by the Sponsor to enforce any provision of these Official Rules shall not constitute a waiver of that provision.

12. Release

By participating in the Sweepstakes, entrants agree to indemnify, release and hold harmless the Sponsor, and, where applicable, each of their respective subsidiaries, affiliates, suppliers, distributors, prize suppliers, advertising and promotion agencies, other companies associated with the Sweepstakes, and each of their respective parent companies and each such company's officers, directors, employees, shareholders, representatives, and agents (the “Released Parties”) from and against any and all claims or causes of action to injury or damage to persons or property, including, but not limited to, personal injury, death, or damage to or loss of property, which may be caused, directly or indirectly, in whole or in part from entrant's participation in the Sweepstakes or receipt or use, inability to use, or misuse of any Prize(s), including any related travel or activity.

13. Limitation of liability

The Released Parties are not responsible for:

Any incorrect or inaccurate information caused by printing errors or by any of the equipment or programming associated with or utilized in the Sweepstakes.
Technical errors or failures of any kind, including, but not limited to malfunctions, unavailability, failures, difficulties, interruptions, or disconnections to the internet, in phone lines or network hardware or software.
Unauthorized human intervention in any part of the Sweepstakes, including but not limited to the entry process.
Technical, mechanical, network, electronic, computer, printing, typographical, or human error which may occur in the administration of the Sweepstakes, including but not limited to the processing of entries.
Late, lost, incomplete, incomprehensible, illegible undeliverable, damaged, delayed, postage-due, misdirected or stolen entries.
Any other errors or problems in connection with the Sweepstakes, including, without limitation, errors that may occur in the administration of the Sweepstakes, the announcement of the Winner(s), or the processing of entries.

Entrant waives the right to claim any damages, including but not limited to punitive, inconsequential, direct, or indirect damages.

If for any reason an entrant's entry is confirmed to have been erroneously deleted, lost, or otherwise destroyed or corrupted, entrant’s sole remedy is another entry in the Sweepstakes, if it is possible.

14. Privacy policy

Personal information collected in conjunction with entry is subject to Sponsor's privacy policy available at https://www.futuremoney.co/legal-privacy.

By entering this sweepstakes, entrants may receive marketing materials, communications, and other materials from Sponsor and or other companies whose products and services Sponsor feels might interest entrants at a future date. An entrant not interested in receiving this material, should click on the unsubscribe link in the welcome email to notify Future Money, Inc. of entrants desire not to receive such materials.

15. Disputes

Except where prohibited by law, each entrant agrees to the fullest extent permitted by law to release, indemnify and hold harmless the Sponsor from and all any and all claims. In the event of any, all disputes, claims and causes of action arising out of, or connected with the Sweepstakes or any Prize(s) shall be resolved individually, without resort to any form of class action, and exclusively by the appropriate court located in Delaware. All issues and questions concerning the construction, validity, interpretation and enforceability of these Official Rules, entrants rights and obligations, or the rights and obligations of the Sponsor in connection with the Sweepstakes, shall be governed by and construed in accordance with, the laws of Delaware, without giving effect to any choice of law or conflict of law rules (whether of the State of Delaware or any other jurisdiction), which would cause the application of the laws of any jurisdiction other than Delaware.

Your investments are eligible for protection of up to $500,000 (including $250,000 for cash) under SIPC coverage in the event of a brokerage firm's financial failure. SIPC coverage does not protect against market losses.

FutureMoney RIA, LLC - Form CRS, Form ADV Part 2A, Privacy Policy. SEC registration as an investment adviser does not imply a certain level of skill. All investments made are legally owned by you.
Atomic Brokerage General Disclosure: FutureMoney RIA has an engagement with Atomic Brokerage LLC (“Atomic Brokerage”), a registered broker-dealer and member of FINRA and SIPC, to bring you the opportunity to open a brokerage account. Brokerage services for customers of FutureMoney RIA are provided by Atomic Brokerage. Neither Atomic Brokerage nor its affiliates are a bank. Investments in securities are Not FDIC insured, Not Bank Guaranteed, and May Lose Value. Investing involves risk, including the possible loss of principal. Before investing, consider your investment objectives and the fees and expenses charged. For more details about Atomic Brokerage, please see the Form CRS, the Atomic Brokerage General Disclosures, and the Privacy Policy. Check the background and custodial/clearing services of Atomic Brokerage on FINRA’s BrokerCheck. Technology services may be provided by AtomicVest. UI Screenshots Disclosure: All screenshots provided are for illustrative purposes only and any performance figures displayed should not be considered representative of actual performance.

Atomic Cash Sweep ("Cash Sweep") is a product offered by Atomic Brokerage that allows clients to earn interest on the available cash in their Atomic Brokerage account. Through Cash Sweep, clients' funds are deposited into an interest-bearing deposit account at one or more banks ("Program Banks"), where the funds earn a variable interest rate and are eligible for FDIC insurance coverage. The annual percentage yield (APY) on the deposit balances in Cash Sweep is variable and subject to changes. Clients' actual APY may be lower if they designate certain banks as ineligible to receive their deposits. The Program Bank list may change over time. For a current list of the Program Banks at any point in time, please refer to Atomic Brokerage's website or contact Atomic Brokerage. Atomic Brokerage and third parties receive a fee for the Atomic Cash Sweep program. If you participate in Cash Sweep, you authorize Atomic Brokerage to allocate your funds among one or more Program Banks at its discretion. Deposits at each Program Bank are insured by the FDIC up to $250,000 per insurable capacity. In total, funds deposited into Cash Sweep are eligible for up to $2,500,000 of FDIC insurance once the funds reach one or more Program Banks (up to $250,000 for each insurable capacity at up to 10 Program Banks). However, if clients exclude certain Program Banks, the amount of available FDIC insurance may be lower. Clients are responsible for monitoring the total amount of deposits that they have with each Program Bank, in order to determine the extent of FDIC deposit insurance coverage available to them. For more information on FDIC insurance, visit www.FDIC.gov.
Balances maintained in the Deposit Account at each Program Bank are FDIC insured but are not protected by SIPC. You should not expect cash deposited in an Atomic Brokerage account solely for the purpose of accessing the Cash Sweep to be protected by SIPC or FDIC insurance, and cash is only protected by FDIC (subject to coverage limits and eligibility requirements) once deposited by Atomic in the unaffiliated bank deposit accounts. If you prefer your cash to be invested in a Money Market Fund eligible for SIPC, you must send an email to support-brokerage@atomicvest.com to discuss your options. You may obtain further information about SIPC coverage including a brochure that describes SIPC and SIPC insurance, by accessing the SIPC website at www.sipc.org. For more details about Cash Sweep Program, see the full Atomic Brokerage LLC Cash Sweep Program Terms & Conditions.

529 Plan Disclosure: John Hancock Freedom 529 is an education savings plan offered by the Education Trust of Alaska, managed by T. Rowe Price Associates, Inc., distributed by John Hancock Distributors LLC through Atomic Brokerage, and cleared by Pershing LLC.Atomic Brokerage is a member of FINRA and is registered with the Municipal Securities Rulemaking Board (MSRB). Investing involves risks, including the potential loss of principal. There are no guarantees that a fund's investment strategy will be successful or that education expenses will be met. Even if you contribute the maximum amount, there is no assurance that the money in your account will be sufficient to cover all the education expenses your beneficiary may incur, or that the rate of return on your investment will match or exceed the rate at which education expenses may rise. The impact of inflation on education expenses is uncertain and could exceed the return on your investments in your Account. Please see the Plan Disclosure Document for additional risks.

If your state or your designated beneficiary’s state offers a 529 plan, you may want to consider what, if any, potential state income-tax or other state benefits it offers, such as financial aid, scholarship funds, and protection from creditors, before investing. State tax or other benefits should be one of many factors to be considered prior to making an investment decision. Please consult with your financial, tax, or other advisor about how these state benefits, if any, may apply to your specific circumstances. You may also contact your state 529 plan or any other 529 education savings plan to learn more about their features. Please contact support@futuremoney.co to obtain a Plan Disclosure Document or prospectus for any of the underlying funds. The Plan Disclosure Document contains complete details on investment objectives, risks, fees, charges, and expenses, as well as more information about municipal fund securities and the underlying investment companies that should be considered before investing. Please read the Plan Disclosure Document carefully prior to investing. 529 PLANS ARE NOT FDIC INSURED, MAY LOSE VALUE, AND ARE NOT BANK OR STATE GUARANTEED.

Earnings in 529 plan or Junior Roth IRA grow tax-free. Qualified withdrawals from these accounts are tax-free. Unqualified withdrawals may be subject to tax and penalty. Consult IRS website and your state tax authority for details. Certain conditions apply to 529 plan to Roth IRA rollover. See here for details.

Projected assets under management are based on current account values, recurring contributions set, estimated returns, and goal dates.

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