Official Rules

NO PURCHASE OR PAYMENT OF ANY KIND IS NECESSARY TO ENTER OR WIN. A PURCHASE WILL NOT INCREASE YOUR CHANCES OF WINNING. THE PROMOTION (DEFINED BELOW) IS INTENDED FOR THE UNITED STATES ONLY, AND WILL BE GOVERNED BY U.S. LAW. DO NOT ENTER IF YOU ARE NOT ELIGIBLE AND LOCATED IN THE UNITED STATES AT THE TIME OF ENTRY. VOID IN COLORADO, MARYLAND, PUERTO RICO, AND WHERE PROHIBITED BY LAW. PARTICIPATION IN THE PROMOTION IS SUBJECT TO THE PROMOTION DETAILS AND TERMS AND CONDITIONS OF THESE OFFICIAL RULES. 

1. SPONSOR. Step Financial, LLC, a Delaware limited liability company, located at 300 S. Ellsworth Ave, San Mateo, CA 94401 (“Sponsor”). The Promotion is in no way sponsored by, endorsed by, administered by, or associated with any third-party social media site, including YouTube, Facebook, Instagram, Twitter, TikTok, and LinkedIn (each, a “Social Media Entity” and collectively, “Social Media”). By entering or participating in the Promotion (defined below), each entrant (defined below) accepts and agrees to be bound by these official Promotion rules (these “Official Rules”).

2. ELIGIBILITY. Step’s Next Beast Contest (the “Promotion”) is open to legal residents of the United States who are eighteen (18) years of age or older at time of entry. No purchase or account with Sponsor is required to enter or win. Promotion is void in Colorado, Maryland, Puerto Rico, and where prohibited by law. Employees of Sponsor and its parent companies, affiliates, subsidiaries, sales representatives, advertising, sales promotion, and judging agencies, and all other service agencies involved with the development, production, implementation, administration, or fulfillment of the Promotion, and members of the immediate families (defined for these Official Rules as spouses, parents, children, siblings, and each of their respective spouses, regardless of where they reside) or individuals living in the same household (whether related or not) of any of the above are not eligible to participate. 

3. PROMOTION PERIOD. This Promotion begins at 8:00 AM Eastern Time (“ET”) on November 5, 2026 and ends at 11:59 PM ET on November 22, 2026 (“Promotion Period”). Sponsor’s clock is the official timekeeping device for the Promotion.

4. HOW TO ENTER. During the Promotion Period, eligible entrants may enter the Promotion by (i) creating one (1) 60- to 90-second vertical video that answers the question “What’s one money tip you wish someone had told you at 18?” and posting the video to your public TikTok, Instagram or YouTube Shorts account with the hashtag #StepsNextBeast and tagging @step (your “Entry Video”); and (ii) completing all required information on the entry form located at step.com/dream-job (the “Entry Form”). Your Entry Video must comply with these Official Rules and you must submit the Entry Video and all required information on the Entry Form (all of which, once submitted, shall be your “Entry”) for an Entry to be eligible. You may need to adjust the privacy settings of your Social Media accounts to ensure that your post is public. Once an Entry is received by Sponsor, Sponsor will evaluate the contents of the Entry as further explained below, in totality and with relation to these Official Rules, and make a decision in its sole discretion as to whether the Entry meets the requirements in order to be considered an eligible entry.

5. EXCLUSIONS AND CONDITIONS. To be eligible to win, you agree to allow Sponsor to view your Social Media page(s) and post history in order to perform an informal review of such. This may require you to adjust your Social Media account settings to allow Sponsor to view your posting history. Any entrant may be disqualified from the Promotion based on the results of such Social Media review.

You may not submit an Entry that (i) violates any third-party right, including any copyright, trademark, patent, trade secret, moral right, privacy right, right of publicity, or any other intellectual property or proprietary right (for the avoidance of doubt, your Entry should not include any audio, music, images, footage, or other content not created by you); (ii) is unlawful, harassing, abusive, tortious, threatening, harmful, invasive of another’s privacy, vulgar, defamatory, false, intentionally misleading, trade libelous, pornographic, obscene, sexually explicit, or patently offensive; (iii) promotes racism, bigotry, hatred, or physical harm of any kind against any group or individual or is otherwise objectionable; (iv) contains individualized financial advice, promises specific results, or references brands or companies other than Sponsor; (v) is harmful to minors in any way or includes any image or other identifying information of any minor; (vi) contains sensitive personal financial information about yourself or others; or (vii) is in violation of any law, regulation, or obligations or restrictions imposed by any third party including but not limited to Social Media Entities. By submitting your Entry, you acknowledge and agree that your Entry is your own original work, has not been copied from others without permission, and does not violate the privacy, intellectual property rights, or other rights of any other person, including any minors, or entity. Any Entry submitted that, in Sponsor’s sole and absolute discretion, violates the foregoing, will be void and will not be eligible for consideration in the Promotion.  

1. USE OF ENTRY VIDEO. By submitting an Entry Video, you hereby grant Sponsor an irrevocable, royalty-free, worldwide, transferable, assignable, sub-licensable right and license (with the right to sublicense through multiple tiers of sublicensees) to make, reshare, repost, have made, use, execute, reproduce, modify, adapt, display, perform, transmit, distribute, make derivative works of, import, export, disclose and otherwise commercialize your Entry Video and all its content in connection with this Promotion and use your Entry Video in any media whatsoever now known or later invented for any non-commercial or commercial purpose, including, but not limited to, the marketing, sale, or promotion of Sponsor’s products or services, without further permission from you. You will not receive any compensation for use of your Entry Video. You acknowledge that your Entry Video is posted on public Social Media sites and that third parties may reshare, repost or otherwise use your Entry Video. Sponsor is not responsible for any such use of your Entry Video by third parties. Sponsor is not obligated to use your Entry Video for any purpose. Any use of your Entry Video by Sponsor does not imply that you are a potential Winner or moving forward in the rounds of the Promotion.

2. ENTRY MATERIAL SUBMISSION GUIDELINES. Entries not completed as described in these Official Rules during the Promotion Period will be void. Limit: 1 Entry per individual. Entries received in excess of the stated limitation will be void. Use of multiple email addresses, phone numbers and/or mailing addresses, identities, registrations and logins, or any other methods and/or the manipulation of such information, for the purpose of obtaining more than the stated number of entries, is prohibited and such persons will be disqualified and all of their Entries will be deemed invalid and any Prize won shall be forfeited. Sponsor will not verify receipt of Entries. Entries that are late, lost, stolen, undelivered, illegible, damaged, misdirected, mutilated, garbled, incomplete, altered or otherwise irregular, generated by script, macro or other automated or mechanical means, or that contain false information, have been submitted through illicit means or by any means which subvert the entry process, or that do not conform with or satisfy any or all of the conditions set out in these Official Rules will be void. Multiple entrants are not permitted to share the same email address or Social Media account. As between you and Sponsor, all Entries shall become the property of Sponsor upon submission. 

In the event of a dispute regarding the identity of an entrant, such Entry will be deemed to be made by the authorized account holder of the email address or Social Media account submitted at the time of entry. “Authorized account holder” is deemed as the natural person who is assigned to an email address by an Internet access provider, service provider or other online organization that is responsible for assigning email addresses for the domain associated with the submitted email address. Potential winners may be required to show proof of being an authorized account holder. Sponsor reserves the right to reject any Entries that do not comply with these Official Rules. Any use of robotic, repetitive, automatic, programmed or similar entry methods or agents will void all Entries submitted by, or associated with, the applicable entrant. By submitting an Entry in connection with the Promotion, you hereby agree that Sponsor may contact you regarding your submission. 

1. PRIVACY POLICY. Please see Sponsor’s privacy policy located at https://step.com/policies/privacy for details regarding the use of personal information collected in connection with the Promotion. 

2. WINNER DETERMINATION. The potential Winner will be determined after three (3) rounds of judging as follows:

Round 1: Two (2) judges, designated by the Sponsor, will determine twenty-five (25) semi-finalists from among all eligible Entries received during the Promotion Period using the Judging Criteria and weights set forth below. Each judge will score each Entry on their own, and if there are considerable discrepancies between the judges’ scores for one Entry, a third judge will score the Entry. The twenty-five highest scoring Entries will move on to Round 2 and will be referred to as the “semi-finalists”. Semi-finalists will be notified on or around December 1, 2026, that they have been selected to move on to Round 2 and will be required to respond to the notification within twenty-four (24) hours indicating whether they can move on to Round 2. Each semi-finalist will receive a prize of two hundred ($200) dollars (the “Semi-Finalist Prize”). All semi-finalists other than the finalists will also receive an invitation to Sponsor’s creator network for future campaigns.

Round 2: Three (3) judges, designated by the Sponsor, will determine the three (3) finalists from all semi-finalists who successfully complete the Round 2 requirements in their entirety during the time period set forth by Sponsor. The Round 2 requirements will be communicated by Sponsor to the semi-finalists. The judges will score all provided material using the Judging Criteria and weights set forth below. Sponsor may invite up to eight (8) of the highest-scoring semi-finalists to conduct a short video interview with Sponsor prior to selecting the finalists. The Judging Criteria and weights set forth below will still apply, and ties will be broken based on each semi-finalist’s scores after the video interviews. If a semi-finalist invited to perform a short video interview declines to do so or fails to respond to Sponsor’s notification of such invitation with twenty-four (24) hours, they will not be able to move forward in the Promotion. The three (3) highest scoring Entries will then be invited to move on to Round 3 and will be referred to as the “finalists”. Finalists will be notified on or around December 11, 2026, that they have been selected to move on to Round 3 and will be required to respond to the notification within twenty-four (24) hours indicating whether they can move on to Round 3. Each finalist will receive the Finalist Prize described in Section 12. 

Round 3: Up to four (4) judges, designated by the Sponsor, will determine one (1) potential Winner from the three finalists who successfully complete the Round 3 requirements during the time period set forth by Sponsor. The Round 3 requirements include: (a) completing two (2) assignments for publication on Sponsor’s Social Media channels, plus one (1) trend-reactive post as will be further described in communications from Sponsor to each finalist between December 14, 2026 and December 15, 2026; and (b) spending two (2) days at Beast Studios (located in Greenville, North Carolina) on December 17, 2026 and December 18, 2026, including a live Instagram takeover, formal interviews, and a 90-day channel plan pitch, as will be further described in communications from Sponsor to each finalist. The judges will score the finalists using the Judging Criteria and weights set forth below. Travel arrangements will be as set forth in Section 12. The finalists who are not selected as the potential Winner will receive the opportunity to enter into a six (6) month influencer arrangement with Sponsor.

Judging Criteria: The following judging criteria and their weights are set forth below:

As further set out in Section 10 below, to be a semi-finalist, finalist or Winner, entrants must allow Sponsor to conduct criminal, driver history, Social Media review, and all other requested background checks to the extent allowed and consistent with all applicable laws. For the potential Winner, the background check will include a criminal and consumer report background check as well as an informal Social Media review. For semi-finalists and finalists, the Sponsor may perform an informal Social Media review. Any entrant may be disqualified from the Promotion based on the results of such background check and/or Social Media review. If the potential Winner is disqualified from the Promotion based on the results of the required background check, an alternate potential Winner will be selected from among the remaining finalists, who must also pass all required background checks. Additional alternate potential Winners will continue to be selected until an alternate Winner passes all required background checks in Sponsor’s sole discretion. If an entrant is selected as a semi-finalist or finalist, but either fails to respond in the time allotted or is unable to move on to the next round, Sponsor may, at its sole discretion, select an alternate semi-finalist or finalist to move on to the next round.

1. WINNER NOTIFICATION AND BACKGROUND CHECKS. The potential Winner will be notified on or about December 18, 2026, by in-person communication and will be required to respond to the notification within one week indicating whether they accept the Grand Prize. Sponsor is not responsible for suspended or discontinued Internet, wireless, or land-line phone service which may result in any entrants not receiving a notification. The potential Winner must execute and return any agreements or other documentation requested by Sponsor in accordance with Sponsor’s standard employment and hiring procedures. In addition, prior to being verified as the Winner, the potential Winner must execute and return a consumer report background check release. 

A Prize will be offered only upon verification by Sponsor that all Promotion requirements have been met by the potential entrant. Sponsor may require a potential Winner to prove his/her identity, including proof of address. Examples of identification documents include, but are not limited to, passport, driver’s license, or current utility bill. Failure of a potential Winner to comply with the above requirements, including the background check or Social Media review requirements, or these Official Rules for any reason, or the return of any Prize notification or Prize as undeliverable, or the determination that a potential Winner is ineligible to receive a Prize, may result in forfeiture of the Prize and selection of an alternate Winner in accordance with these Official Rules. Sponsor is not responsible for any entrant’s change of email address, mailing address, telephone number, and/or other contact information.

YOU ARE NOT A WINNER UNTIL YOUR ELIGIBILITY HAS BEEN VERIFIED AND IT IS DETERMINED THAT YOU HAVE COMPLIED WITH THESE OFFICIAL RULES.

1. PRIZE AND ODDS. Sponsor will award the job offer for the role of Sponsor’s in-house content creator (the “Grand Prize,” and together with the Semi-Finalist Prize and Finalist Prize, are the “Prizes”) to the verified first-place Winner (the “Winner”). Winner is not required to accept the job offer provided to Winner. Any acceptance of a job offer is subject to Sponsor’s standard employment and hiring policies, procedures, agreements and onboarding. Approximate retail value of the Grand Prize is market value. The approximate retail value of all Prizes is $12,500. Actual value of all Prizes may vary depending on variables outside of the Sponsor’s control. Any difference between stated value and actual value will not be awarded. A Prize is non-transferable and cannot be redeemed for cash. Odds of winning depend upon the number of eligible entries received. Sponsor reserves the right to substitute a Prize for a Prize of equal or greater value at any time. Exact tax liability subject to personal financial situation and winner is subject to any difference in tax cost. Taxes on the Prizes, if any, are the sole responsibility of the recipient, who is advised to seek independent counsel regarding the tax implications of accepting the Prize.

PARTICIPATION IN THE PROMOTION, EXCEPT FOR WINNER’S ACCEPTANCE OF A WRITTEN JOB OFFER, SHALL IN NO WAY BE CONSTRUED AS RELATING TO AN EMPLOYMENT RELATIONSHIP WITH SPONSOR. THIS PROMOTION IS NOT AN OFFER FOR EMPLOYMENT. THE SPONSOR EXPRESSLY DISCLAIMS RESPONSIBILITY FOR ANY AND ALL LOSSES ARISING OUT OF RELIANCE ON THIS PROMOTION AS AN OFFER FOR EMPLOYMENT. NO EMPLOYMENT, OR OTHER RELATIONSHIP BETWEEN YOU AND SPONSOR, IS CREATED BY VIRTUE OF YOUR PARTICIPATION IN THE PROMOTION. THE ANTICIPATED SALARY FOR THE ROLE OF SPONSOR’S IN-HOUSE CONTENT CREATOR IS [$100,000 - $160,000].

1. TRAVEL, ACCOMMODATION, AND EVENT REQUIREMENTS. Sponsor shall be responsible for each finalist’s airfare, ground transportation and standard hotel accommodations for two (2) nights and three (3) days from December 16, 2026 to December 18, 2026 to Greenville, North Carolina. Such expenses are estimated to be one thousand and five hundred ($1500) dollars per finalist together with an additional $1000 constitute  the “Finalist Prize”. Finalists must travel on Sponsor’s itinerary, and if a selected finalist is unable to travel on that itinerary, Sponsor reserves the right to disqualify finalist and select another finalist as set forth in these Official Rules. Sponsor is not liable for any missed events or opportunities or expenses incurred as a consequence of flight cancellation/delay or ground transportation delay or in the event a finalist misses a scheduled airline flight. All other expenses associated with such travel, including but not limited to meals, gratuities, trip cancellation insurance, personal purchases and all other expenses not specified herein are solely the finalist’s responsibility. 

2. PUBLICITY WAIVER AND MATERIALS. By entering the Promotion, all entrants acknowledge and agree that they may be featured in Sponsor’s marketing and promotional efforts, including but not limited to Sponsor’s Social Media accounts. All finalists will be featured in Sponsor’s promotional and marketing efforts, including but not limited to a full-length episode on Sponsor’s YouTube account. If you do not agree to be featured as described above, you should not enter the Promotion. All entrants grant (and agree to confirm such grant in writing promptly upon request) to Sponsor and those acting under Sponsor’s authority the right to use their name, photograph, video, likeness, voice, image, statements, and biographical information at any time or times for advertising, trade, publicity, and promotional purposes in any media now known or hereafter discovered, worldwide and on the World Wide Web, without review, notification, approval or additional compensation, unless prohibited by law.

In addition, by entering, you hereby irrevocably assign and agree to assign to Sponsor all of your rights, title and interest in and to any and all materials or content that is created by you in connection with the Promotion, other than your Entry, including but not limited to the materials or content required by Sponsor in Round 2 and Round 3. You hereby affirm and agree that all such materials and content are the sole and exclusive property of Sponsor. The foregoing assignment includes all rights of attribution, paternity, integrity, modification, disclosure and withdrawal, and any other rights throughout the world that may be known as or referred to as “moral rights,” “artist’s rights,” “droit moral,” or the like (collectively, “Moral Rights”).  To the extent that Moral Rights cannot be assigned under applicable law, you hereby waive and agree not to enforce any and all Moral Rights, including without limitation any limitation on subsequent modification, to the extent permitted under applicable law. If for any reason, whether by operation of law or otherwise, such content and materials are incapable of being assigned to Sponsor, Sponsor is hereby granted a royalty-free, perpetual, irrevocable, transferrable, sublicensable, worldwide license to make, have made, use, import, offer for sale, sell, reproduce, distribute, modify, adapt, prepare derivative works of, display, perform, and otherwise exploit such work, and to practice any method related thereto. You agree that upon Sponsor’s request, you will assist Sponsor, or its designee, in every proper way to secure Sponsor’s rights in such content and materials in any and all countries.

1. DISCLAIMER OF WARRANTY. EVERYTHING ON SPONSOR’S WEBSITE(S) IS PROVIDED “AS IS” WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE OR NON-INFRINGEMENT. FURTHER, SPONSOR MAKES NO REPRESENTATION THAT MATERIALS ON ITS WEBSITES RELATING TO THE PROMOTION ARE APPROPRIATE OR AVAILABLE FOR USE AT ALL LOCATIONS AT ALL TIMES. IT IS ENTRANT’S RESPONSIBILITY TO ENSURE THAT ACCESSING SPONSOR’S WEBSITE(S) AND ENTERING THE PROMOTION IS LEGAL AND NOT PROHIBITED BY THE LAWS OF THE JURISDICTION IN WHICH ENTRANT IS A CITIZEN.

2. INDEMNIFICATION. By entering, you agree that Sponsor and its respective parent companies, affiliates, subsidiaries, advertising and promotion agencies, and all of their officers, directors, employees, representatives and agents (the “Promotion Entities”), are indemnified, released and will be held harmless by you from any and all liability, for any damages, injuries, or losses of any kind to person(s) or property, arising directly or indirectly from your Entry and other materials and content submitted by you (including Sponsor’s use thereof), and the acceptance, possession, misuse or use of the Prize or your participation in the Promotion or any Promotion-related activity, in any way.

3. LIMITATIONS OF LIABILITY. The Promotion Entities are not responsible for and are hereby released from liability with respect to: (a) any printing, typographical, mechanical, or other errors in the printing, the offering, or the administration of the Promotion or in the announcement of the Prize; (b) lost, late, illegible, misdirected, or non-delivered Entries or emails; (c) any Entries submitted in a manner that is not expressly allowed under these Official Rules; (d) for lost, interrupted or unavailable satellite, network, server, Internet Service Provider, website or other connections availability, accessibility or traffic congestion, or miscommunications, or failed computer, network, telephone, or cable hardware, software or lines, or technical failure, or jumbled, scrambled, delayed, or misdirected transmissions, or computer hardware or software malfunctions, failures or difficulties; (e) other errors of any kind whether human, mechanical, electronic or network, or the incorrect or inaccurate capture of entry or other information or the failure to capture, or loss of, any such information; (f) any incorrect or inaccurate information, whether caused by website users, or by any equipment or programming associated with or utilized in the Promotion; (g) any error, omission, interruption, deletion, defect or delay in operation or transmission, communications line failure, theft or destruction or unauthorized access to, or tampering with or hacking of any website; or (h) injury or damage to entrant’s or any other person’s computer related to or resulting from participating in the Promotion or downloading or copying materials from or use of website. 

IN NO EVENT WILL THE PROMOTION ENTITIES OR SOCIAL MEDIA ENTITIES BE RESPONSIBLE OR LIABLE FOR ANY DAMAGES OR LOSSES OF ANY KIND, INCLUDING DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL OR PUNITIVE DAMAGES ARISING OUT OF ENTRANT’S ACCESS TO AND USE OF SPONSOR’S WEBSITES OR SOCIAL MEDIA ENTITIES’ WEBSITES AND/OR APPLICATIONS OR DOWNLOADING FROM AND/OR PRINTING MATERIAL DOWNLOADED FROM SAID WEBSITES AND/OR APPLICATIONS. SOME JURISDICTIONS MAY NOT ALLOW LIMITATIONS OR EXCLUSION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES OR EXCLUSION OF IMPLIED WARRANTIES, SO SOME OF THE ABOVE LIMITATIONS OR EXCLUSIONS MAY NOT APPLY TO YOU. CHECK YOUR LOCAL LAWS FOR ANY RESTRICTIONS OR LIMITATIONS REGARDING THESE LIMITATIONS OR EXCLUSIONS.

1. GENERAL CONDITIONS. By entering, entrants agree that all issues and questions concerning the construction, validity, interpretation, and enforceability of these Official Rules, entrant’s rights and obligations, or the rights and obligations of Sponsor in connection with the Promotion, will be governed by, and construed in accordance with, the laws of the State of North Carolina without giving effect to any choice of law or conflict of law rules, and any matters or proceedings shall take place in the State of North Carolina. By entering, entrants consent to jurisdiction and venue of the federal, state, and local courts in North Carolina.

Sponsor reserves the right, at its sole discretion, to disqualify any individual it finds may be tampering with the entry process or operation of the Promotion or any associated website, may be acting in violation of the terms of an associated website or these Official Rules or may be acting in a non-sportsmanlike or disruptive manner, or with intent to threaten, abuse or harass any other person.

If, for any reason, the Promotion is not capable of running as planned by reason of infection by computer virus, worms, bugs, tampering, hacking, unauthorized intervention, fraud, technical failures or any other causes which, in the sole opinion of Sponsor, corrupt or affect the administration, security, fairness, integrity or proper conduct of the Promotion, Sponsor reserves the right, at its sole discretion, to cancel, terminate, modify or suspend the Promotion, and determine the Winner in accordance with Section 9 set forth herein from among all eligible, non-suspect entries received prior to action taken. Any attempt to deliberately damage any website or undermine the legitimate operation of the Promotion is unlawful and subject to legal action by Sponsor or its agents. Further, Sponsor reserves the right, at its sole discretion, to cancel, terminate, modify or suspend the Promotion or these Official Rules without notice. If any provision(s) of these Official Rules are held to be invalid or unenforceable, all remaining provisions hereof will remain in full force and effect. A waiver of any provision(s) of these Official Rules must be in writing, and a waiver in one instance or provision shall not be considered a waiver of any other instance or provision.

1. WINNERS’ LIST. The name of the Winner, as well as the names of the semi-finalists and finalists will be available on or about January 7, 2027. To receive the names of the Winners by mail, please mail a self-addressed, stamped envelope to: Step’s Next Beast Contest, 300 S. Ellsworth Ave, San Mateo, CA 94401. The names will be sent once verified. 

© 2026 Step Financial, LLC. All Rights Reserved. All trademarks are the property of their respective owners.