Abstract: A game piece for playing a promotional game and a method of playing a promotional game. The game piece includes a housing, a battery, a signaling device, a removable tab, and a timing circuit. Once activated, the timing circuit is set to wait a predetermined amount of time before illuminating the signaling device. The game is played by distributing game pieces to patrons of an establishment. Some game pieces are functional while other game pieces are not functional; however all game pieces are identical. Patrons of the establishment remove the removable tab on the game piece to potentially start the timing circuit. After waiting the predetermined amount of time, the signaling device on the functional or “winning” game pieces will activate. The establishment will award prizes to patrons holding an activated game piece.

Abstract: Methods and systems for administering a dual component financial instrument (DCFI) are described. The DCFI includes a revolving loan component and one or more installment loans. A holder of the DCFI account can use the revolving loan to pay for expenses, e.g., educational expenses. At predetermined intervals, e.g., annually on the anniversary date of the DCFI account, a new installment loan is automatically created on behalf of the account holder to pay off the revolving loan. Automatically creating an installment loan to pay off the revolving loan frees up the revolving loan for use by the borrower to pay for expenses during the next interval, e.g., the next school year, and allows the lender to quickly and efficiently securitize portions of the funds provided to the borrower.