As CrowdHealth grows, the technology and banking experience behind our community needs to grow with it.

‍NO PURCHASE OR ACCOUNT OPENING NECESSARY TO ENTER OR WIN. A PURCHASE, OR OPENING OR MIGRATING AN ACCOUNT, WILL NOT INCREASE YOUR CHANCES OF WINNING. VOID IN NEW YORK, FLORIDA, AND WHERE PROHIBITED BY LAW.

1. Sponsor‍

This Sweepstakes is sponsored by CrowdHealth, Inc. ("Sponsor").

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2. Eligibility

The Sweepstakes is open only to legal residents of the fifty (50) United States and the District of Columbia who are NOT residents of New York or Florida, and who are at least eighteen (18) years of age (or the age of majority in their state of residence, if older) at the time of entry. Eligible entrants must be the primary owner of record of an account with Sponsor as of October 1, 2026. Joint account holders who are not the primary owner, authorized signers, and other non-owner parties on an account are not eligible to enter. "Employees of Sponsor, its affiliates, subsidiaries, and advertising/promotion agencies, and their immediate family members (spouse, parents, children, siblings, and their respective spouses) and household members, are not eligible.


Entrant's state of residence will be determined by the mailing address on file with Sponsor (for automatic entrants) or the return address provided on the mail-in entry (for AMOE entrants). Sponsor reserves the right to verify eligibility and to disqualify any entrant who does not meet these requirements.

Void in New York and Florida, and wherever else prohibited or restricted by law.

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3. Sweepstakes Period

The Sweepstakes begins on October 1, 2026, and ends on October 23, 2026 ("Entry Period"). All automatic entries must be completed, and all mail-in entries must be postmarked, no later than October 23, 2026. Mail-in entries must be received no later than October 31, 2026, to be counted. Sponsor is not responsible for entries that are lost, delayed, misdirected, or not received for any reason.

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4. How to Enter

There are two ways to enter, each giving an entrant an equal chance of winning. Limit one (1) entry per person for the entire Sweepstakes, regardless of entry method.
Method 1 — Automatic Entry (Account Migration). Any current member of Sponsor who completes a migration of their account(s) to Stearns Bank between October 1, 2026 and October 23, 2026, in accordance with the migration instructions provided by Sponsor, will automatically receive one (1) entry into the Sweepstakes. No purchase, payment, fee, or account opening is required to be entered under Method 2 below, and choosing not to migrate your account will not affect your ability to enter or your odds of winning.
Method 2 — Free Alternative Method of Entry (Mail-In). To enter without migrating an account, handwrite your full name, complete mailing address, phone number, and email address on a plain piece of paper, along with the words “MAKE THE MOVE SWEEPSTAKES Entry," and mail it in a stamped envelope to:
MAKE THE MOVE Sweepstakes [PO BOX / ADDRESS] [CITY, STATE, ZIP]
Entries must be postmarked by October 23, 2026, and received by October 31, 2026. Mechanically reproduced, illegible, incomplete, or postage-due entries are void. Only one (1) mail-in entry per outer envelope will be accepted.

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5. Prizes, Number of Winners, and Drawing Dates

This Sweepstakes consists of four (4) drawings:

‍Total ARV of all prizes: $33,400.



Rolling Entry Pool. All eligible entries received as of the date of each drawing are included in that drawing's pool, regardless of when during the Entry Period they were submitted. An entry received after a given weekly drawing has occurred is not eligible for that specific drawing but remains eligible for all subsequent drawings for which the Entry Period has not yet closed.


Eligibility for Multiple Drawings. An entrant may win at most one (1) prize in the Weekly Drawings (Drawings 1–3); once selected as a winner in a Weekly Drawing, that entrant's entry is removed from the pool for subsequent Weekly Drawings. [Weekly Drawing winners remain eligible for the Grand Prize Drawing on November 1, 2026.

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6. Winner Selection and Notification

Winners of each drawing will be selected in a random drawing from all eligible entries in that drawing's pool, conducted by Sponsor or its designated representative. Odds of winning depend on the total number of eligible entries received as of each drawing date. Winners will be notified by phone, email, or mail within [10] business days of the applicable drawing. Each winner may be required to sign and return an Affidavit of Eligibility, Liability Release, and (where legal) Publicity Release within [10] days of notification. Failure to respond within this period, or to comply with these Official Rules, may result in disqualification and selection of an alternate winner from the same drawing's pool.

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7. Tax Reporting

All prizes are subject to applicable federal, state, and local taxes. Winners are solely responsible for any taxes associated with the prize. Sponsor will issue an IRS Form 1099 to any winner whose prize(s) total $600 or more in value for the calendar year, based on the ARV stated above. Winners will be asked to provide a completed Form W-9 prior to prize fulfillment.

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8. General Conditions

Sponsor reserves the right to cancel, suspend, or modify the Sweepstakes, or these Official Rules, if fraud, technical failures, or any other factor beyond Sponsor's reasonable control impairs the integrity of the Sweepstakes, subject to applicable law. Sponsor's decisions are final and binding in all matters relating to the Sweepstakes. Prizes are not transferable or redeemable for cash, except at Sponsor's sole discretion.

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9. Limitations of Liability

By entering, entrants agree to release and hold harmless Sponsor, its affiliates, and their respective officers, directors, employees, and agents from any liability for any injury, loss, or damage of any kind arising from participation in the Sweepstakes or acceptance, use, or misuse of a prize.

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10. Privacy

Information collected from entrants will be used in accordance with Sponsor's Privacy Policy, available at https://www.joincrowdhealth.com/privacy-policy, and will be used only for purposes of administering this Sweepstakes unless otherwise disclosed.

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11. Disputes / Governing Law

‍Agreement to Arbitrate. Except where prohibited by law, as a condition of participating in this Sweepstakes, entrant agrees that any and all disputes, claims, and causes of action arising out of or in connection with this Sweepstakes, or any prizes awarded, shall be resolved individually, without resort to any form of class action, exclusively by binding arbitration administered by the American Arbitration Association ("AAA") under its Consumer Arbitration Rules then in effect. The arbitration shall be conducted in Travis County, Texas, or another mutually agreed location, or, at entrant's option, by telephone or based on written submissions.

‍Class Action Waiver. Entrant and Sponsor each waive any right to bring claims as a plaintiff or class member in any purported class, collective, or representative proceeding. The arbitrator may not consolidate more than one person's claims and may not otherwise preside over any form of a representative or class proceeding.Small Claims Carve-Out. Notwithstanding the foregoing, either party may bring an individual claim in small claims court if it qualifies for that court's jurisdiction and remains on an individual basis.

‍Costs. Sponsor will pay all AAA filing, administration, and arbitrator fees for claims under $[10,000], unless the arbitrator determines the claims are frivolous. Each party is responsible for its own attorneys' fees, unless applicable law or the arbitration rules provide otherwise.

‍Limitation of Damages. Entrant agrees that, to the fullest extent permitted by law: (a) any and all disputes, claims, and causes of action arising out of or connected with this Sweepstakes shall be resolved individually; (b) any and all claims, judgments, and awards shall be limited to actual, out-of-pocket costs incurred, including costs associated with entering the Sweepstakes, but in no event attorneys' fees; and (c) under no circumstances will entrant be permitted to obtain awards for, and entrant hereby waives all rights to claim, punitive, incidental, or consequential damages, or any other damages, including attorneys' fees, other than for actual out-of-pocket expenses, and any and all rights to have damages multiplied or otherwise increased.

‍Severability. If any provision of this arbitration clause is found to be unenforceable, the remainder shall remain in effect, except that if the Class Action Waiver is found unenforceable as to a particular claim, then that claim (and only that claim) shall proceed in a court of competent jurisdiction, and the remainder of this arbitration clause shall still apply to all other claims.

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12. Sponsor Contact

CrowdHealth, Inc. [ADDRESS] 512-722-7693 hey@joincrowdhealth.com