$10,000 Money Makeover

NO PURCHASE OR PAYMENT OF ANY KIND IS NECESSARY TO ENTER OR WIN THIS PROMOTION. A PURCHASE OR PAYMENT OF ANY KIND WILL NOT INCREASE YOUR CHANCES OF WINNING THIS PROMOTION.

Credit, BECU Business Debit Mastercard® Card, and Mastercard® Corporate Card Transactions Are Not Eligible For Automatic Entry In This Promotion. All Disputes Will Be Resolved Solely By Binding Arbitration and Entrants Waive The Ability To Bring Claims In A Class Action Format.

For the purpose of this Promotion (defined below): (1) all entries, whether submitted by using an eligible Mastercard card as described below or by alternate means of entry (i.e., mail-in method of entry), have an equal chance of winning; and (2) Mastercard use requires purchase transactions initiated by a consumer BECU Debit Mastercard® card only (“Eligible Card”), as described below. BECU Business Debit Mastercard cards are not eligible to participate in this Promotion or earn Promotion entries.

Eligibility: The $10,000 Money Makeover (“Promotion”) is open only to individuals who are prior to 7/1/26: 1) BECU Debit cardholders of an Eligible card in good standing with BECU; 2) who are physically located in and residents of the State of Washington; and 3) eighteen (18) years of age or older. Void outside of the State of Washington and where prohibited by law. Entrants do not need to be present to win. Employees, officers and directors of BECU (“Sponsor” or “BECU”), Mastercard International Incorporated (“Mastercard”), teamDigital Promotions, Inc. (“Administrator”), and each of their respective parent companies, affiliates, distributors, subsidiaries, prize providers, advertising/promotion agencies and their immediate family members (i.e., spouses, parents, grandparents, children, grandchildren, and siblings and each of their respective spouses), and/or those living at the same physical address (“household”) (i.e., people who share the same residence at least three (3) months a year, whether legally related or not) of any of the foregoing are not eligible to enter or win a prize in this Promotion. Sponsor, Mastercard, Administrator and each of their respective parent companies, affiliates, distributors, subsidiaries, prize providers and advertising/promotion agencies are each a “Released Party” and shall hereinafter collectively be referred to as the “Released Parties”.

Promotion Period and Entry Periods: The Promotion begins at 12:00:00 AM Pacific Time (“PT”) on 7/1/26 and ends at 11:59:59 PM PT on 9/30/26 (“Promo Period”), and consists of fifteen (15) separate, independent entry periods (each, an “Entry Period”), that includes twelve (12) separate, independent first prize entry periods (each, a “First Prize Period”), and three (3) separate, independent grand prize entry periods (each, a “Grand Prize Period”), as outlined in the chart below.

How to Enter: The following are the methods of entry for this Promotion:

1. To enter this Promotion using your Eligible Card – You will automatically receive one (1) entry into the applicable First Prize Period drawing and Grand Prize Period drawing outlined below each time you use your Eligible Card to make a purchase transaction of at least $1.00 during the Promo Period.

Each entry will be entered into the appropriate First Prize Period and Grand Prize Period drawing during which the transaction was made. Purchase transactions involving account adjustment transactions/returns, corporate transactions, payment of interest, late payment fees, over-limit or over-draft transactions or fees, return check fees, check re-order fees, ATM transactions or fees, cash advances, monthly/annual fees, balance transfers and/or other fees assessed on your account are not eligible for automatic Promotion entry. Other restrictions and exclusions may apply. Entries from cards other than an Eligible Card, including credit cards, business cards, corporate cards, international cards are void. Entries from unauthorized Eligible Card use or purchases made with lost, stolen, or fraudulent cards are void. In the event of a dispute as to who submitted a particular automatic entry or an entry based on an eligible transaction completed by an authorized user on a BECU debit card, such entry will be deemed to be submitted by the primary cardholder in whose account the card used to enter the Promotion was issued. Only purchase transactions made in the format described above, made with an Eligible Card (as detailed above) for an account that is open and in good standing (both at time of entry and winner selection) and issued by BECU in the U.S. to an identifiable Eligible Card-holder, and that are processed and submitted through Sponsor's U.S. transaction processing system during the Promo Period are eligible for automatic entry; or

2. To enter the Promotion by mail without making a purchase - you may receive one (1) entry into the applicable First Prize Period and Grand Prize Period by hand printing your First and Last name, complete mailing address, telephone number, email address, date of birth, the first (6) digits of your Eligible Card number, and the words “$10,000 Money Makeover ” on a plain 3” x 5” piece of paper and mailing it in a sealed, stamped and hand printed #10 envelope to: $10,000 Money Makeover , 211 Greenwood Ave. 2-2, Promo 522, Bethel, CT 06801. Enter as often as you wish by mail, but each entry must be mailed separately, postmarked by the applicable postmark deadline and received by the applicable mail-in deadline to be eligible for each applicable First Prize Period and Grand Prize Period (as set forth in the chart below). Entries not following format requirements will be void.

There is no limit to the number of entries an eligible individual may receive during the Promo Period (regardless of entry method chosen). No photocopied, computer-generated facsimiles, mechanically reproduced, or mass entries permitted, and any entries received by such means are void. All entries become property of Sponsor and will not be acknowledged or returned. Sponsor and the other Released Parties are not responsible for lost, incomplete, illegible, late, misdirected, delayed, garbled, damaged, inaccurate, stolen, postage-due, or mutilated entries or mail; theft, destruction or unauthorized access to, or alteration of, entries, defect or delay in transmission, transaction processing, interrupted or unavailable network, server, wireless service provider or other connections; any error, omission, interruption, defect or delay in transmission, third-party transaction classification, transaction processing, or communication; traffic congestion on the Internet or any technical problem, including, but not limited to, any injury or damage to an entrant's or any other person's computer related to or resulting from Promotion participation, technical or mechanical malfunctions; failures or malfunctions of phones (including wireless phones/handsets), phone lines, cellular equipment towers or telephone systems; interrupted or unavailable network, server or other connections; errors or omissions in these Rules, in any Promotion-related advertisements or other materials; and any other errors or problems in connection with this Promotion, including, without limitation, errors or problems in connection with the administration of the Promotion, the processing of entries, in the selection or announcement of the winners or in awarding of the prize; human-processing error; failures of electronic equipment, computer hardware or software; or inaccurate entry information, whether caused by equipment, programming used in this Promotion, human error, or otherwise. Use of any device to automate or subvert entry is prohibited and any entries received by such means will be void. No software-generated, robotic, programmed, script, macro, artificial intelligence generated, or other automated entries are permitted, and any entries received by such means will be void. Sponsor reserves the right, in its sole discretion, to void any and all entries of an entrant who Sponsor believes has attempted to tamper with or impair the administration, security, fairness or proper play of this Promotion.

Entry Periods and Selection of Winners/Odds: The below listed prizes will be awarded in individual random drawings among all eligible entries received for a total of fifteen (15) drawings (twelve (12) First Prize Period drawings, and three (3) Grand Prize Period Drawings at the conclusion of the Promo Period, as set forth in the chart below). Drawings will be conducted by Administrator on the drawing dates set forth in the chart below. All decisions of Sponsor and Administrator will be final and binding in all matters relating to this Promotion. Non-winning entries received for one (1) First Prize Period drawing will not carry forward to subsequent First Prize Period drawings (defined below). Entries received during First Prize Period 1 through First Prize Period 4 are eligible for the Grand Prize Period 1 drawing. All entries received during First Prize Period 5 through First Prize Period 8 are eligible for the Grand Prize Period 2 drawing. All entries received during First Prize Period 9 through First Prize Period 12 are eligible for the Grand Prize Period 3 drawing. Odds of winning a First Prize Period Prize will depend on the total number of eligible entries received for each applicable First Prize Period. Odds of winning a Grand Prize Period Prize will depend on the total number of eligible entries received for each applicable Grand Prize Period. 

The potential prize winners will be notified by Administrator via telephone, email and/or mail (method selected in Administrator's discretion). Subject to verification of eligibility and compliance with these Rules, the potential winners will be declared the official winners of the Promotion. In the event that a potential winner is selected via an Eligible Card transaction, prize will be awarded to the individual named on the Eligible Card that is used to transact the winning entry (as determined by the Sponsor's account records and subject to Sponsor's identification of the individual named on the applicable Eligible Card). If awarding of a prize is not feasible after Administrator's good faith effort to obtain account holder contact information from the Sponsor, prize will be forfeited and an alternate potential winner may be selected by random drawing from among all remaining eligible entries received during the Promo Period. The Released Parties are not responsible for false, incorrect, changed, incomplete or illegible contact information. The Released Parties shall have no liability for any winner notification that is lost, intercepted, or not received by a potential winner for any reason.

Prizes: A total of fifteen (15) prizes will be awarded in this Promotion. Federal, state, and local taxes and all other expenses not specified herein are each winner's sole responsibility. The ARV (defined below) of the prizes is based on available information provided to Sponsor and the value of any prize awarded to a winner may be reported for tax purposes as required by law. The ARV of each prize represents Sponsor's good faith determination. That determination is final and binding and cannot be appealed. If the actual value of the prize turns out to be less than the stated ARV, the difference will not be awarded. Each potential winner may be required to provide Sponsor with a valid Social Security number before the prizes will be awarded for tax reporting purposes. An IRS Form 1099 will be issued in the name of each Grand Prize winner for the actual value of the prizes received. All federal, state, and local taxes and any other costs and expenses associated with the acceptance and/or use of prize not specifically provided for in these Official Rules are solely the responsibility of each Grand Prize winner. Unclaimed prizes will be forfeited. The Released Parties are not responsible for and will not replace any lost, mutilated or stolen prize(s) or any prize that is undeliverable or does not reach a winner because of an incorrect or changed address. If a winner does not accept or use the entire prize, the unaccepted or unused part of the prize will be forfeited, and the Released Parties will have no further obligation with respect to that prize or portion of the prize. An entrant may only win one (1) First Prize across all First Prize Periods, and so once they have won a First Prize, they are no longer eligible to win any additional First Prizes. An entrant may win only one (1) Grand Prize across all Grand Prize Periods, and so once they have won a Grand Prize, they are no longer eligible to win any additional Grand Prizes.

Twelve (12) First Prizes (one (1) First Prize winner per First Prize Period): Each First Prize winner will receive $1,000 in the form of a check (approximate retail value (“ARV”) of each First Prize = $1,000).

Three (3) Grand Prizes (one (1) Grand Prize winner per Grand Prize Period): Each Grand Prize winner will receive $10,000 in the form of a check, a $1,000 donation to a non-profit of the winner's choice (from a select list of non-profits selected by Sponsor), a private session with a BECU Financial Health Coach, and $4,920 in the form of a check to help offset taxes owed. (ARV of each Grand Prize = $15,920).

TOTAL ARV OF ALL PRIZES TO BE AWARDED IN THIS PROMOTION: $59,760.

Privacy: Your use of your Eligible Card to make a purchase during the Promo Period and/or your submission of a 3” x 5” mail-in entry constitutes your consent to enter and participate in this Promotion and your consent for Sponsor, Mastercard and Administrator to obtain, use and transfer your full name, Eligible Card number, email address, home and mailing addresses and phone number and other information provided by entrants in connection with this Promotion (collectively, “Promotion Data”) for the purpose of administering this Promotion, awarding the prizes and to comply with applicable legal requirements. For information regarding Sponsor's privacy practices visit: https://www.becu.org/online-privacy-notice. Any information an entrant provides may be used to communicate with an entrant in relation to this Promotion or on a Promotion winner's list. For automatic entries through use of an Eligible Card, Mastercard (or Administrator on Mastercard's behalf) may obtain the applicable Eligible Card account holder's personal contact information (e.g., name, home address, email address, phone number) from Sponsor in order to award prizes.

Sponsor and/or Mastercard may elect to send email marketing communications to its Eligible Cardholders or other email recipients in its database in connection with the Promotion. You can, at any time and free of charge, choose not to receive any of those email communications by clicking on the unsubscribe link within the email. Opting out of receiving email communications from Sponsor or Mastercard will not preclude a consumer from winning. Opting out of receiving marketing communications does not opt you out of receiving servicing/transactional emails related to your account with Sponsor and/or Mastercard.

Except where prohibited by law, acceptance of a prize constitutes each winner's irrevocable consent to the Released Parties', and each of their respective agents', successors', assigns' and other designees' use of each winner's name, likeness, social media posts/handles, photograph, voice, statements, opinions, biographical information, prize and/or state/city of residence for advertising and promotional and publicity purposes in any and all media or formats, worldwide, in perpetuity, without any permission, notification, payment or consideration, except for the awarding of the prizes to the winners. You may be required to sign a document confirming your consent to this effect. The Released Parties are not responsible for late, lost, stolen, illegible, incomplete, misdirected, delayed, garbled, damaged, inaccurate or undelivered emails, entries, theft, destruction or unauthorized access to, or alteration of Promotion Data, defect/delay in transmission or communication, including, but not limited to, recording failures, or for telephonic, human or computer failures, problems or errors, interruptions in service leveraged to create an entry, whether due to system upgrades, repairs, modifications or other causes, defect or delay in transmission, connections, satellite, network, cable, Internet Service Provider (ISP), phones, phone lines or telephone systems, recording/filming systems, electronic equipment, computer hardware or software failures, inaccurate entry information, traffic congestion on the internet, technical or mechanical malfunctions, or other malfunctions, errors or delays, whether caused by equipment, programming, human error, acts of God or otherwise relating to or in connection with the Promotion, including, without limitation, errors which may occur in connection with the administration of the Promotion, the processing of entries, Promotion Data processing, the announcement of prizes and winners, the cancellation or postponement of the Promotion, for any injury or damage to entrant's or any other person's computer or other device relating to or resulting from participation in this Promotion, or for printing, typographical, human or other errors appearing in these Rules, in any Promotion advertisements or other materials.

Limitation of Liability: BY ENTERING THE PROMOTION, EACH ENTRANT AGREES THAT TO THE EXTENT PERMITTED BY APPLICABLE LAW: (A) ANY AND ALL DISPUTES, CLAIMS AND CAUSES OF ACTION ARISING OUT OF OR CONNECTED WITH THE PROMOTION, OR ANY PRIZE AWARDED, WILL BE RESOLVED INDIVIDUALLY, WITHOUT RESORT TO ANY FORM OF CLASS ACTION; (B) ANY AND ALL CLAIMS, JUDGMENTS AND AWARDS WILL BE LIMITED TO ACTUAL THIRD-PARTY, OUT-OF-POCKET COSTS INCURRED (IF ANY) NOT TO EXCEED TEN DOLLARS ($10.00), BUT IN NO EVENT WILL ATTORNEYS' FEES BE AWARDED OR RECOVERABLE; (C) UNDER NO CIRCUMSTANCES WILL ANY ENTRANT BE PERMITTED TO OBTAIN ANY AWARD FOR, AND ENTRANT HEREBY KNOWINGLY AND EXPRESSLY WAIVES ALL RIGHTS TO SEEK, INDIRECT, EXEMPLARY, PUNITIVE, INCIDENTAL, CONSEQUENTIAL OR SPECIAL DAMAGES, LOST PROFITS AND/OR ANY OTHER DAMAGES REGARDLESS OF THE FORM OF THE ACTION OR THE THEORY OF RECOVERY, EVEN IF THE RELEASED PARTY HAS BEEN ADVISED OF THE POSSIBILITY OF THOSE DAMAGES, OTHER THAN ACTUAL OUT OF POCKET EXPENSES NOT TO EXCEED TEN DOLLARS ($10.00), AND/OR ANY RIGHTS TO HAVE DAMAGES MULTIPLIED OR OTHERWISE INCREASED; AND (D) ENTRANT'S REMEDIES ARE LIMITED TO A CLAIM FOR MONEY DAMAGES (IF ANY) AND ENTRANT IRREVOCABLY WAIVES ANY RIGHT TO SEEK INJUNCTIVE OR EQUITABLE RELIEF. SOME JURISDICTIONS DO NOT ALLOW THE LIMITATIONS OR EXCLUSION OF LIABILITY, SO THE ABOVE MAY NOT APPLY TO YOU.

Choice of Law: All issues and questions concerning the construction, validity, interpretation and enforceability of these Rules, or the rights and obligations of an entrant and the Released Parties in connection with the Promotion, shall be governed by, and construed in accordance with, the substantive laws of the State of Washington, USA, without giving effect to any choice of law or conflict of law rules or provisions that would cause the application of any other state's law.

Arbitration: Except where prohibited by law, as a condition of participating in this Promotion, each entrant agrees that: (1) any and all disputes and causes of action arising out of or connected with this Promotion, or any prize awarded, shall be resolved individually, without resort to any form of class action, and exclusively by final and binding arbitration under the rules of the American Arbitration Association and held in Washington; (2) the Federal Arbitration Act shall govern the interpretation, enforcement and all proceedings at such arbitration; and (3) judgment upon such arbitration award may be entered in any court having jurisdiction. In arbitration, there is no judge or jury and review is limited. The arbitrator's decision and award is final and binding, with limited exceptions, and judgment on the award may be entered in any court with jurisdiction. The federal or state law that applies to these Rules will also apply during the arbitration. Disputes will be arbitrated only on an individual basis and will not be consolidated with any other proceedings that involve any claims or controversy of another party, including any class actions; provided, however, if for any reason any court or arbitrator holds that this restriction is unconscionable or unenforceable, then the agreement to arbitrate doesn't apply and the dispute must be brought in a court of competent jurisdiction in Washington. Either party may, notwithstanding this provision, bring qualifying claims in small claims court. In the event there is a discrepancy or inconsistency between an arbitration provision contained in any Eligible Card terms and conditions, and the terms and conditions of these Rules, these Rules shall prevail, govern and control and the discrepancy will be resolved in Sponsor's sole and absolute discretion.

Miscellaneous: No transfer, assignment, cash redemption, or substitution of a prize (or portion thereof) will be permitted, except by Sponsor, in its sole discretion, due to prize unavailability or other causes otherwise determined solely by Sponsor, and then for a prize (or applicable portion) of equal or greater value. Each potential prize winner may be required to notify Sponsor and Administrator of prize acceptance by returning an executed and notarized Affidavit of Eligibility, Liability Release and (where legal) Publicity Release (collectively, “Prize Claim Documents”) within five (5) business days of issuance of notification or other time period determined by Sponsor and the other Released Parties in their sole discretion. If any potential winner fails or refuses to sign and return all Prize Claim Documents within five (5) business days of prize notification, or within another time period determined by Sponsor, or the other Released Parties, in their sole discretion, such potential winner will be automatically disqualified. Potential winners may also be required to submit to a confidential background check (performed by Administrator) to confirm eligibility, or the use of any such person in advertising, promotion or publicity, will not pose a security threat or bring the Released Parties into public disrepute, contempt, scandal or ridicule or reflect unfavorably on the Released Parties as determined by Sponsor, or the other Released Parties, in their sole discretion, and, in such event, the prize may be forfeited. Non-compliance with any of the foregoing may result in disqualification and awarding of a prize to an alternate potential winner, if time permits. If any prize or prize notification letter or email is returned as undeliverable or the prize is declined for any reason, the winner will be disqualified and, at Sponsor's sole discretion and time permitting, an alternate potential winner may be selected by random drawing from among all remaining entries. Should a potential winner decide to decline his/her prize for any reason whatsoever or not respond to the prize notification by the applicable response deadline, Sponsor (and, for the avoidance of doubt, the other Released Parties) shall have no further obligation to that potential winner and an alternate potential winner may be randomly selected from among all remaining entries, if time permits. The Released Parties are not responsible for electronic communications that are undeliverable as a result of any form of active or passive filtering of any kind, or insufficient space in entrant's email account to receive email messages. By participating, entrants acknowledge they have read, understand and agree to be bound by these Rules and agree that the Released Parties and each of their respective designees and assigns and all of their respective officers, directors, employees, shareholders, representatives, agents, and the franchisees of any of them shall have no liability and an entrant will defend, indemnify and hold harmless the Released Parties from and against any liability, loss, injury, or damage of any kind (including attorneys' fees) to any person or entity, including, without limitation, personal injury, death or damage to personal or real property, due in whole or in part, directly or indirectly, by reason of: (i) an entrant's participation/entry into the Promotion; (ii) any materials he or she may submit in connection herewith; (iii) the acceptance, possession, use or misuse of a prize (or portion thereof) or participation in any activities associated with the Promotion or any prize (or portion thereof) awarded in connection herewith; (iv) the Released Parties' violation of rights of publicity or privacy, claims of defamation or portrayal in a false light or based on any claim of infringement of intellectual property; and (v) any typographical, human or other error in the printing, offering, selection, operation or announcement of any Promotion activity and/or prize. The Released Parties are not responsible for the actions of entrants in connection with the Promotion, including entrants' attempts to circumvent these Rules or otherwise interfere with the administration, security, fairness, integrity or proper conduct of the Promotion. Sponsor reserves the right, in its sole discretion, to void any and all entries of an entrant who Sponsor believes has attempted to tamper with or impair the administration, security, fairness, or proper play of this Promotion and to amend, modify, suspend, and/or terminate this Promotion (or portion thereof) should virus, bugs, non-authorized human intervention or other causes corrupt or impair the administration, security, fairness or proper play of the Promotion and, in the case of termination, at its discretion, select potential winners via a random drawing from among all eligible, non-suspect entries received before the event that required such termination. In the event Sponsor or Administrator is prevented from continuing with the Promotion by any event beyond its control, including, but not limited to, fire, flood, epidemic, pandemic, earthquake, explosion, labor dispute or strike, act of God or public enemy, communications or equipment failure, utility or service interruptions, riot or civil disturbance, large-scale illness, terrorist threat or activity, war (declared or undeclared), interference with the Promotion by any party, or any federal, state, or local government law, order, or regulation, order of any court or jurisdiction, or other cause not reasonably within Sponsor's and/or Administrator's control (each, a “Force Majeure” event or occurrence), Sponsor shall have the right to amend, modify, suspend or terminate the Promotion or any prize. Sponsor may decide to postpone drawing dates and other deadlines herein or terminate the Promotion early. In the event the Promotion is terminated early, Sponsor shall immediately suspend all drawing and prize awards, and Sponsor reserves the right to award any remaining prizes (up to the total ARV as set forth in these Rules) in a manner deemed fair and equitable by Sponsor. Sponsor shall not have any further liability to any entrant in connection with the Promotion. Sponsor and Administrator additionally reserve the right, in their sole and absolute discretion: (a) to amend, modify, suspend or terminate the Promotion should a Force Majeure event corrupt or interfere with the administration, integrity, operation, security or proper play of the Promotion; or (b) to disqualify any entrant found to be, or suspected of: (i) tampering with the entry process or the operation of the Promotion; (ii) acting in violation of these Rules; or (iii) acting in an un-sportsmanlike manner. CAUTION: Any attempt to undermine the legitimate operation of this Promotion is a violation of criminal and civil laws and should such an attempt be made, Sponsor and the applicable Released Parties reserve the right to seek damages (including attorneys' fees) and/or other remedies from any such person(s) responsible for the attempt to the fullest extent permitted by law. The Promotion and all prizes are provided “as is” and the Released Parties make no warranty, guaranty or representation of any kind concerning any prize (or any portion thereof) and disclaim any implied warranty. Some jurisdictions do not allow the disclaimer of implied or other warranties so the above disclaimer may not apply to you to the extent such jurisdictions law is applicable to you and these Rules. Without limiting the generality of the foregoing, entrants agree that the Released Parties: (a) maintain no control over the personnel, equipment or operation of any transportation company, hotel, manufacturer or other person or entity furnishing services, products or accommodations (collectively, “Suppliers”) as a part of the prizes provided in connection with the Promotion; and (b) will not be responsible or liable for any injury, damage, loss, expense, accident, delay, inconvenience or other irregularity that may be caused or contributed to: (i) by the wrongful, negligent or unauthorized act or omission on the part of the Suppliers or any of their agents, servants, employees or independent contractors; (ii) by any defect in or failure of any vehicle, equipment, instrumentality, service or product that is owned, operated, furnished or otherwise used by any of those Suppliers; (iii) by the wrongful, negligent or unauthorized act or omission on the part of any other person or entity not an employee of the Released Parties; and (iv) by any cause, condition or event whatsoever beyond the control of the Released Parties. Sponsor's or any other Released Party's failure to enforce any term of these Rules shall not constitute a waiver of that provision. The invalidity or unenforceability of any provision of these Rules will not affect the validity or enforceability of any other provision and Sponsor's or any other Released Party's waiver of any provision of these Rules shall not constitute a waiver of any other provision. In the event that any provision of these Rules is determined to be invalid or otherwise unenforceable or illegal, the other provisions will remain in effect and will be construed in accordance with their terms as if the invalid or illegal provision were not contained herein. Sponsor and Administrator additionally reserve the right, in their sole and absolute discretion to amend, modify, suspend or terminate the Promotion should any provision of these Rules are determined to be invalid or otherwise unenforceable or illegal. Entrants agree to waive any rights to claim ambiguity of these Rules. Headings are solely for convenience of reference and will not be deemed to affect in any manner the meaning or intent of the Promotion documents or any provision hereof. In the event there is a discrepancy or inconsistency between disclosures or other statements contained in any Promotion-related materials, and the terms and conditions of these Rules, these Rules shall prevail, govern and control and the discrepancy will be resolved in Sponsor's sole and absolute discretion.

Winners' Names: For the winners' names, send a self-addressed, stamped envelope to be received by 12/23/26 to: $10,000 Money Makeover List, 211 Greenwood Ave. 2-2, Promo 501, Bethel, CT 06801.

All third-party trademarks belong to their respective owners.

The use of any non-Sponsor trademarks, service marks, logos, or other marks in connection with this Promotion or any prize is not meant by Sponsor to imply the endorsement of

the respective owner(s) of such marks, or any affiliation of the respective owner(s) of such marks with Promotion advertisements or the Promotion.

Sponsor: BECU, 12770 Gateway Dr. Seattle, WA 98124.

Administrator: teamDigital Promotions, Inc., 6 Berkshire Blvd., Bethel, CT 06801, www.teamDigital.com.