Yes. You are encouraged to include your spouse/partner in this competition. Together you are considered an individual household. Each team can consist of 3 individual households.

Qube Masters

As a couple you can earn the Qube Masters points from completing one course together.

Qube Money

As a couple you can earn the Qube Money points as a joint account.

1. If you have the most points at midnight PST 30 days after the competition start date, you will win a $100 cash.
2. If you have the most points at midnight PST 60 days after the competition start date, you will win a $100 cash.
3. The Grand Prize Winner will receive a $300 cash for having the most points at the end of the competition period.

The email connected to your Qube Masters account must match your Qube Money primary account email. If it doesn’t, visit your Qube Masters profile and change your email so they match.

1. Points can be tracked on your Leaderboard found on your Qube Masters dashboard.
2. To access your Leaderboard, sign in to your Qube Masters dashboard and click on “Leaderboard.”

1. Points are awarded as outlined below.

Qube Masters Course - 10 points for each lesson completed (200 points possible)

Qube Masters has an automated system to track your progress through the course. Each lesson is designed to be completed within 5 minutes. To earn the lesson points, you will be required to:

1. 1. 1. read the content
      2. watch the videos
      3. score an 80% or better on the end-of-waypoint quizzes.
      4. 10 points are immediately awarded for each lesson when the above requirements are completed.

Completing all Logbook activities - 20 points for each logbook activity completed (240 points possible).

1. 1. 1. 1. The Qube Masters system will track the thorough completion of each question in the logbook activities. Each logbook is designed to be completed within 10 minutes once you have the supporting documents in hand. Supporting documents include bank statements, pay stubs, insurance declaration pages, credit card statements, investment statements, etc. Don’t worry, the course will guide you through this process, step by step. It's easy.
         2. 20 points are awarded immediately upon the completion of each logbook.

Creating your mission statement - 50 points

1. 1. 1. Qube Masters will track and store your mission statement.  
      2. Points are awarded when you have written a mission statement.

Completing the Budget Planner - 50 points

1. 1. 1. Qube Masters will track when you have given each dollar in your stated income a job within your budget. You must have at least 15 budget categories between your Save Qubes, Bill Qubes, and Spend Qubes. The course will make this process easy.
      2. Points are awarded immediately upon completion of your Budget Planner.

Completing the Debt Elimination Calculator - 50 points

1. 1. 1. Qube Masters will track the data entry points of recorded debt.
      2. Points will be awarded immediately upon the completion of all data points of the listed debts.
      3. If you are debt free, select the debt free option and these points will be awarded for having achieved debt freedom.

Financial House Analysis - 100 points

1. 1. 1. 1. After you have completed Waypoint 4, “The Order of Wealth," you have the option to meet with a Qubee Coach. In the initial meeting, you will get to know each other. If you give your coach access to your Financial House data, she/he will help you:
            1. Understand where you are within the Order Of Wealth.
            2. Analyze the strengths and weaknesses of your current position.
            3. Clarify Qube Masters' proven financial philosophy.
            4. Identify next steps on your path to financial freedom.
         2. These points are awarded by your coach when your analysis has been completed. If you don’t get credit, reach out to your coach and remind her/him.
         3. While additional visits with a coach will be valuable to your financial progress, points are only awarded for the first visit with your coach.

Referrals to Qube Masters - 100 points per referral (unlimited)

1. 1. 1. 100 points per person who signs up for Qube Masters.
      2. Qube Masters automatically tracks referrals.
      3. Points for referring people to Qube Masters are recorded immediately when they purchase the course. You will also receive a $10 gift card.

Create Your Qubes - 5 points per qube (150 points possible)

1. 1. 5 points are awarded for each qube you create (up to 30 qubes) in the Qube Money app. Qubes can be Bill Qubes, Spend Qubes or Save Qubes.
   2. These points are awarded every day by midnight PST for qubes created that day.

Depositing Money - 50 points per $500 deposited (unlimited points possible)

1. 1. 50 points will be awarded for increments of $500 in accumulated deposits.
   2. Money must be deposited between 12:01 AM Eastern Time June 10, 2021 and 12:00 AM Eastern Time on September 14, 2021 in order to earn points.
   3. Deposits may come from any source.
   4. If you deposit $1,000 in one deposit, you will earn your team 100 points (50x2).
   5. All the money you deposit during your contest dates will be added up and divided by $500. That number will be rounded down to the whole number and multiplied by 50 points.
   6. These points are awarded every day by midnight PST for money deposited that day.
   7. Money is considered deposited when it is recorded in your Qube Cloud within the Qube Money app. Please consider the time required for money to move between banks when accounting for these points.

Direct Deposit - 100 points (400 points possible)

1. 1. Your household may earn points for up to four direct deposit arrangements.
   2. Direct deposit is set up with your employer.
   3. Email a screenshot of the first direct deposit into your account to hello@qubemasters.com.
   4. These points are awarded every Monday by midnight PST for points earned the previous week ending Friday at midnight PST.

Allocation Plans (*coming soon*) - 100 points (400 points possible)

1. 1. Set up an automatic allocation plan.
   2. Each household may earn points for up to 4 allocation plans.
   3. Email a screenshot of your allocation plan to hello@qubemasters.com.
   4. These points are awarded every Monday by midnight PST for points earned the previous week ending Friday at midnight PST.

Automated Bill Qubes - 50 points for each bill set up (unlimited)

1. 1. Set up automated bill pay.
      1. Create a Bill Qube within your Qube Money app.
      2. Input the exact bill amount of the first payment coming out.
      3. Allocate funds to cover the bill.
      4. Change the payment info with the bill vendor to your Qube account details.
      5. Verify that the bill processed
   2. These points are awarded every day for bills that process for the first time.
   3. If the bill was already set up before the competition started, the points will be awarded the day of the first payment processed after the competition start date.
   4. These points are awarded daily by midnight PST.

Save $1,500 to Emergency Fund Qube - 300 points

1. 1. Save $1500 in an Emergency Fund qube
   2. The qube must be named “Emergency Fund” to earn these points
   3. The balance must be at least $1500 for two weeks leading up to the end of the competition period.
   4. These points are awarded by midnight PST three days after the end of the competition period.

 Referrals to Qube Money - 100 points per referral (unlimited)

1. 1. Points are awarded when the referred individual makes their first deposit into Qube Money.  
   2. Email the name, phone number and email address of the person you referred to hello@qubemasters.com
   3. Points are recorded every Monday by midnight PST for the previous week’s referrals.

Leave a Review for Qube Money on the Google Play/App Store  - 100 points (200 points possible)

1. 1. Leave a review for Qube Money in the Google Play or App Store.
   2. Each member of the couple can earn app review points.
   3. Email a screenshot of your review to hello@qubemasters.com
   4. These points are awarded every Monday by midnight PST for points earned the previous week ending Friday at midnight PST.

What do I do if I can’t link my bank account to Qube Money?

1. 1. Set up direct deposit. For more information, visit Qube Money’s FAQ page.
   2. Can’t set up direct deposit? Watch this quick video and visit Qube Money’s FAQ page.
   3. Still having trouble? Connect with Qube Money’s customer support at qubemoney.com or in the app on the profile screen.

How do I set up direct deposit with Qube Money?

1. 1. 1. Click on the move money icon and select “Direct Deposit”. Then follow the prompts.
      2. You can send all or part of your paycheck to your Qube account, depending on whether your employer will allow you to split your paycheck.

How do I set up allocation plans in Qube Money?

1. 1. These aren’t available quite yet. They will be available on the Overview screen by the end of the competition. We will let you know when they become available.

How do I refer someone to Qube Money?

1. 1. Qube Money doesn’t yet have the ability to track referrals inside the app. For now, when you refer someone, send the referred individual’s name and phone number to hello@qubemasters.com to earn referral points.

Yes. You are encouraged to include your spouse/partner in this competition. Together you are considered an individual household.

Points are earned as described below:

Qube Masters

Qube Masters Course - 590 total points

1. 1. Completing all Qube Masters lessons - 200 points (10 points for each lesson completed)
   2. Completing all Logbook activities - 140 points (20 points for each logbook activity completed)
   3. Creating your mission statement - 50 points
   4. Completing the Budget Planner - 50 points
   5. Completing the Debt Elimination Calculator - 50 points

Financial House Analysis - 100 points

1. 1. Complete a Financial House analysis with your Qubee Coach.
   2. These points are awarded by your coach when your analysis has been completed.
   3. While additional visits with a coach are encouraged, points are only awarded for the first visit with your coach.

Referrals to Qube Masters (100 points per referral) - unlimited

1. 1. 100 points per person who signs up for Qube Masters
   2. Points for referring people to Qube Masters are recorded immediately when the referred enrolls in the full Qube Masters course.

Write a Review for Qube Masters  - 100 points

1. 1. When you complete the course, you will be invited to write a review.
   2. If you choose not to leave a review when you are initially invited, you can leave one later. To do so, visit your Qube Masters dashboard and click "Rate Course" below the title of your course.
   3. Review points are recorded immediately after you submit your review.

Qube Money

Create Your Qubes - 150 points possible

1. 1. 3 points are awarded for each qube you create (up to 30 qubes) in the Qube Money app.
   2. These points are awarded every Monday by midnight PST for points earned the previous week ending Friday at midnight PST.

Depositing Money (50 points per $500 deposited) - unlimited

1. 1. 50 points will be awarded for increments of $500 in accumulated deposits.
   2. Money must be deposited between 12:01 AM Eastern Time on June 15, 2021 and 12:00 AM Eastern Time on September 13, 2021 in order to earn points.
   3. Deposits may come from any source.
   4. If you deposit $1,000 in one deposit, you will earn your team 100 points (50x2).
   5. All the money you deposit during your contest dates will be added up and divided by $500. That number will be rounded down to the whole number and multiplied by 50 points.
   6. These points are awarded every Monday by midnight PST for points earned the previous week ending Friday at midnight PST.

Direct Deposit - 100 points

1. 1. Direct deposit should be set up with your employer.
   2. Email a screenshot of the first direct deposit into your account to hello@qubemasters.com.
   3. These points are awarded every Monday by midnight PST for points earned the previous week ending Friday at midnight PST.

Allocation Plans (*coming soon*) - 100 points

1. 1. Set up an automatic allocation plan.
   2. Email a screenshot of your allocation plan to hello@qubemasters.com.
   3. These points are awarded every Monday by midnight PST for points earned the previous week ending Friday at midnight PST.

End of Period Sweeps (*coming soon*) - 50 points

1. 1. Set up end of period sweeps.
   2. Email a screenshot of your sweeps plan to hello@qubemasters.com.
   3. These points are awarded every Monday by midnight PST for points earned the previous week ending Friday at midnight PST.

Automated Bill Pay (*coming soon*) 50 points for each bill set up - unlimited

1. 1. Set up automated bill pay.
   2. Email a screenshot of each bill you set up to hello@qubemasters.com.
   3. These points are awarded every Monday by midnight PST for points earned the previous week ending Friday at midnight PST.

Set up Automated 10% Donations to YesGive - 100 points

1. 1. Set up automated donations to YesGive equalling 10% of your total income.
   2. Email a screenshot of your 10% donation setup to hello@qubemasters.com.
   3. These points are awarded every Monday by midnight PST for points earned the previous week ending Friday at midnight PST.

Set up Automated 10% Deposits to Savings - 100 points

1. 1. Set up automated deposits to your savings qube.
   2. Email a screenshot of your 10% savings setup to hello@qubemasters.com.
   3. These points are awarded every Monday by midnight PST for points earned the previous week ending Friday at midnight PST.

Save $1,500 to Emergency Fund Qube - 300 points

1. 1. Save $1500 in an Emergency Fund qube
   2. Email a screenshot of your $1,500 qube total to hello@qubemasters.com.
   3. These points are awarded the following Monday by midnight PST for points earned the previous week ending Friday at midnight PST.

Referrals to Qube Money (100 points per referral) - unlimited

1. 1. Points are awarded when the referred individual makes their first deposit into Qube Money.  
   2. Email the name, phone number and email address of the person you referred to hello@qubemasters.com
   3. Points are recorded every Monday by midnight PST for the previous week’s referrals.

Leave a Review for Qube Money on the Google Play/App Store  - 100 points

1. 1. Leave a review for Qube Money in the Google Play or App Store.
   2. Email a screenshot of your review to hello@qubemasters.com
   3. These points are awarded every Monday by midnight PST for points earned the previous week ending Friday at midnight PST.

1. If you have the most points at midnight PST 30 days after the competition start date, you will win a $100 cash.
2. If you have the most points at midnight PST 60 days after the competition start date, you will win a $100 cash.
3. The Grand Prize Winner will receive a $300 cash for having the most points at the end of the competition period.

The email connected to your Qube Masters account must match your Qube Money primary account email. If it doesn’t, visit your Qube Masters profile and change your email so they match.

1. Points can be tracked on your Leaderboard found on your Qube Masters dashboard.
2. To access your Leaderboard, sign in to your Qube Masters dashboard and click on “Leaderboard.”

1. Points are awarded as outlined below.

Qube Masters Course - 10 points for each lesson completed (200 points possible)

Qube Masters has an automated system to track your progress through the course. Each lesson is designed to be completed within 5 minutes. To earn the lesson points, you will be required to:

1. 1. 1. read the content
      2. watch the videos
      3. score an 80% or better on the end-of-waypoint quizzes.
      4. 10 points are immediately awarded for each lesson when the above requirements are completed.

Completing all Logbook activities - 20 points for each logbook activity completed (240 points possible).

1. 1. 1. 1. The Qube Masters system will track the thorough completion of each question in the logbook activities. Each logbook is designed to be completed within 10 minutes once you have the supporting documents in hand. Supporting documents include bank statements, pay stubs, insurance declaration pages, credit card statements, investment statements, etc. Don’t worry, the course will guide you through this process, step by step. It's easy.
         2. 20 points are awarded immediately upon the completion of each logbook.

Creating your mission statement - 50 points

1. 1. 1. Qube Masters will track and store your mission statement.  
      2. Points are awarded when you have written a mission statement.

Completing the Budget Planner - 50 points

1. 1. 1. Qube Masters will track when you have given each dollar in your stated income a job within your budget. You must have at least 15 budget categories between your Save Qubes, Bill Qubes, and Spend Qubes. The course will make this process easy.
      2. Points are awarded immediately upon completion of your Budget Planner.

Completing the Debt Elimination Calculator - 50 points

1. 1. 1. Qube Masters will track the data entry points of recorded debt.
      2. Points will be awarded immediately upon the completion of all data points of the listed debts.
      3. If you are debt free, select the debt free option and these points will be awarded for having achieved debt freedom.

Financial House Analysis - 100 points

1. 1. 1. 1. After you have completed Waypoint 4, “The Order of Wealth," you have the option to meet with a Qubee Coach. In the initial meeting, you will get to know each other. If you give your coach access to your Financial House data, she/he will help you:
            1. Understand where you are within the Order Of Wealth.
            2. Analyze the strengths and weaknesses of your current position.
            3. Clarify Qube Masters' proven financial philosophy.
            4. Identify next steps on your path to financial freedom.
         2. These points are awarded by your coach when your analysis has been completed. If you don’t get credit, reach out to your coach and remind her/him.
         3. While additional visits with a coach will be valuable to your financial progress, points are only awarded for the first visit with your coach.

Referrals to Qube Masters - 100 points per referral (unlimited)

1. 1. 1. 100 points per person who signs up for Qube Masters.
      2. Qube Masters automatically tracks referrals.
      3. Points for referring people to Qube Masters are recorded immediately when they purchase the course. You will also receive a $10 gift card.

Create Your Qubes - 5 points per qube (150 points possible)

1. 1. 5 points are awarded for each qube you create (up to 30 qubes) in the Qube Money app. Qubes can be Bill Qubes, Spend Qubes or Save Qubes.
   2. These points are awarded every day by midnight PST for qubes created that day.

Depositing Money - 50 points per $500 deposited (unlimited points possible)

1. 1. 50 points will be awarded for increments of $500 in accumulated deposits.
   2. Money must be deposited between 12:01 AM Eastern Time June 10, 2021 and 12:00 AM Eastern Time on September 14, 2021 in order to earn points.
   3. Deposits may come from any source.
   4. If you deposit $1,000 in one deposit, you will earn your team 100 points (50x2).
   5. All the money you deposit during your contest dates will be added up and divided by $500. That number will be rounded down to the whole number and multiplied by 50 points.
   6. These points are awarded every day by midnight PST for money deposited that day.
   7. Money is considered deposited when it is recorded in your Qube Cloud within the Qube Money app. Please consider the time required for money to move between banks when accounting for these points.

Direct Deposit - 100 points (400 points possible)

1. 1. Your household may earn points for up to four direct deposit arrangements.
   2. Direct deposit is set up with your employer.
   3. Email a screenshot of the first direct deposit into your account to hello@qubemasters.com.
   4. These points are awarded every Monday by midnight PST for points earned the previous week ending Friday at midnight PST.

Allocation Plans (*coming soon*) - 100 points (400 points possible)

1. 1. Set up an automatic allocation plan.
   2. Each household may earn points for up to 4 allocation plans.
   3. Email a screenshot of your allocation plan to hello@qubemasters.com.
   4. These points are awarded every Monday by midnight PST for points earned the previous week ending Friday at midnight PST.

Automated Bill Qubes - 50 points for each bill set up (unlimited)

1. 1. Set up automated bill pay.
      1. Create a Bill Qube within your Qube Money app.
      2. Input the exact bill amount of the first payment coming out.
      3. Allocate funds to cover the bill.
      4. Change the payment info with the bill vendor to your Qube account details.
      5. Verify that the bill processed
   2. These points are awarded every day for bills that process for the first time.
   3. If the bill was already set up before the competition started, the points will be awarded the day of the first payment processed after the competition start date.
   4. These points are awarded daily by midnight PST.

Give to your church - 100 points

1. 1. Set up automated donations to your church.
   2. These points are awarded the day the first donation processes.
   3. These points are awarded daily by midnight PST.

Save $1,500 to Emergency Fund Qube - 300 points

1. 1. Save $1500 in an Emergency Fund qube
   2. The qube must be named “Emergency Fund” to earn these points
   3. The balance must be at least $1500 for two weeks leading up to the end of the competition period.
   4. These points are awarded by midnight PST three days after the end of the competition period.

 Referrals to Qube Money - 100 points per referral (unlimited)

1. 1. Points are awarded when the referred individual makes their first deposit into Qube Money.  
   2. Email the name, phone number and email address of the person you referred to hello@qubemasters.com
   3. Points are recorded every Monday by midnight PST for the previous week’s referrals.

Leave a Review for Qube Money on the Google Play/App Store  - 100 points (200 points possible)

1. 1. Leave a review for Qube Money in the Google Play or App Store.
   2. Each member of the couple can earn app review points.
   3. Email a screenshot of your review to hello@qubemasters.com
   4. These points are awarded every Monday by midnight PST for points earned the previous week ending Friday at midnight PST.

What do I do if I can’t link my bank account to Qube Money?

1. 1. Set up direct deposit. For more information, visit Qube Money’s FAQ page.
   2. Can’t set up direct deposit? Watch this quick video and visit Qube Money’s FAQ page.
   3. Still having trouble? Connect with Qube Money’s customer support at qubemoney.com or in the app on the profile screen.

How do I set up direct deposit with Qube Money?

1. 1. 1. Click on the move money icon and select “Direct Deposit”. Then follow the prompts.
      2. You can send all or part of your paycheck to your Qube account, depending on whether your employer will allow you to split your paycheck.

How do I set up allocation plans in Qube Money?

1. 1. These aren’t available quite yet. They will be available on the Overview screen by the end of the competition. We will let you know when they become available.

How do I refer someone to Qube Money?

1. 1. Qube Money doesn’t yet have the ability to track referrals inside the app. For now, when you refer someone, send the referred individual’s name and phone number to hello@qubemasters.com to earn referral points.