CHIME X TEDDY SWIMS ACOUSTIC PERFORMANCE EVENT – ATLANTA, GA – OCTOBER 19, 2026 – INVITATION RSVP OFFER – TERMS AND CONDITIONS

1. Terms and Conditions

These terms and conditions (these “Terms and Conditions”) set forth the complete terms governing the Chime x Teddy Swims Acoustic Performance Event – Atlanta, GA – October 19, 2026 – Invitation RSVP Offer (the “Offer”), sponsored by Chime Financial, Inc. (“Sponsor" or “Chime”), including eligibility, registration, the award and confirmation of Invitations, attendance at the Event, releases, limitations of liability, and dispute resolution through binding individual arbitration. By submitting a Registration (as defined below) or otherwise participating in the Offer, each participant agrees to be fully and unconditionally bound by these Terms and Conditions.

2. Promotion Period

The Offer begins at 9:00 am ET on September 19, 2026, and ends at 11:59 pm ET on September 23, 2026, or while supplies last, whichever occurs first (the “Promotion Period”).

3. Eligibility

The Offer is open only to legal U.S. residents of the fifty (50) United States, the District of Columbia and Puerto Rico (“Eligibility Area”), who are twenty-one (21) years of age or older and are Chime members in good standing with Chime Prime status as determined by Sponsor in its sole discretion at the time of submission (“Eligible Participant” or “Eligible Participants”). Employees, shareholders, directors, officers, members and agents of Sponsor, Visa Inc., Visa U.S.A. Inc., and Visa International Service Association (collectively, “Visa”), The Bancorp Bank, N.A. and Stride Bank, N.A.,Get Engaged, LLC., The Interlock, Warner Records, William Morris Endeavor Entertainment, LLC., each of their respective affiliates, parents, subsidiaries, divisions, suppliers, retailers and advertising, promotional event agencies including but not limited to Don Jagoda Associates, Inc. (“Administrator”) (collectively, the “Released Offer Parties”), and their immediate family members (spouse or partners, parents, children, siblings and their respective spouses or partners, regardless of where they reside) and/or those living in the same household of each, whether or not related, are not eligible to participate in this Offer or receive an Invitation. Void outside the Eligibility Area and where prohibited or restricted by law and subject to all applicable federal, state/provincial and local laws and regulations. Chime Prime status is determined based upon your direct deposit activity. Please see the Chime Membership Tiers Terms and Conditions for details.

4. Offer

During the Promotion Period, Eligible Participants who receive an emailed invitation from Sponsor can participate in the Offer by clicking on the link in the email or by visiting rsvpeventpromotion.com/ATL-Acoustic-Show and providing the first eight (8) digits of one of their active Chime Visa Cards, which includes the Chime Visa Debit^® Card, the secured Chime Visa Credit Card, and the secured Chime Credit Builder Visa Credit Card (each a “Chime Visa Card”), to access the registration form. The first eight (8) digits are collected solely for eligibility verification purposes and will not be used for payment processing. No payment is required. Eligible Participants will be required to complete and submit the form as instructed (“Registration”). Eligible Participants who are one (1) of the first twenty (20) to register as determined by Administrator’s designated database clock will receive an invitation (“Invitation”) to the Chime x Teddy Swims Acoustic Performance Event at a Sponsor-specified location and time (“Venue”) on October 19, 2026, in Atlanta, GA (“Event”), subject to verification of eligibility. Each Invitation is for the exclusive personal use of the Invited Guest (as defined below) and one (1) designated companion who must be 21 years of age or older at the time of the Event. The approximate retail value of this offer is $300. Offer is not redeemable for cash. Offer is not transferrable and may not be combined with any other offer or discount. Offer void where prohibited, taxed or restricted by law. Misuse of this Offer constitutes fraud. Only those with eligible Registrations submitted will be sent the Invitation after they have been validated. In no event will Sponsor be obligated to distribute more than twenty (20) Invitations. No more than twenty (20) Invitations will be sent out. There is a limit of one (1) Registration per Chime member and one (1) Invitation per household. Normal internet access and usage charges imposed by your on-line service will apply.

5. Waitlist

After the first twenty (20) Registrations have been received, an additional one hundred (100) Registrations will be placed on a waitlist in the order received until Sponsor determines that the waitlist has reached capacity. Placement on the waitlist does not guarantee attendance. If additional Invitations become available (e.g., due to cancellations), they may be offered to individuals on the waitlist in sequence. Eligible Participants who are waitlisted will be notified using the contact information provided at time of Registration.

6. Invitation Confirmation

Once your Registration is submitted, and you are one (1) of the first twenty (20) Registrations received, you will receive a notification via email from the Administrator to confirm your eligibility by digitally completing and securely signing a Declaration of Compliance, Liability Waiver and Publicity Release where legal (collectively, the “Declaration”), and submit the Declaration to Administrator via Docusign within twenty-four (24) hours of receipt of request or such longer period as Sponsor may permit in its sole discretion. Once your eligibility is verified, you will receive an email from the Sponsor’s representative confirming your status as an (“Invited Guest”). Transportation, lodging, parking, meals (other than those expressly provided at the Event), gratuities, and all other incidental expenses are solely the responsibility of each Invited Guest and their designated companion. Noncompliance within any specified time period or return of any notification as undeliverable, or declining the Offer for any reason, will result in the Invitation to be void and an alternate eligible Registration may be determined from the waitlisted Eligible Participants. Invited Guests and their designated companions must follow all rules in order to participate in the Event and arrive on time on the date specified or Invitation shall be void.

Any attempt by any participant to submit a Registration by using multiple/different names, identities, email addresses or phone numbers, or any other methods will void such Registrations and that participant will be ineligible for the Offer.

7. Release of Liability For Event

By participating in this Offer, each participant agrees to release and hold harmless the Released Offer Parties from and against any claim or cause of action arising out of participation in the Offer or participation as an Invited Guest, including, but not limited to injury, contraction of illness, disease, including communicable disease, death, or damage to persons or property which may be caused, directly or indirectly, in whole or in part, from Invited Guest’s participation in the Event, whether under a theory of contract, tort (including negligence), warranty or other theory including but not limited to, any food, nut and dairy allergies. Invited Guests must provide all allergy restrictions prior to the Event. Attendance at the Event is at your own risk. Released Offer Parties make no warranties of any kind, either express or implied, including, but not limited to, implied warranties of merchantability, fitness for a particular purpose, or non-infringement regarding the Offer. The Sponsor is not responsible for any delay, cancellation or rescheduling of the Event and no substitution or compensation shall be provided. Invitation is subject to certain terms and conditions specified thereon. Location of any and all seating is in Sponsor’s sole and absolute discretion. Sponsor is not responsible for printing errors.

8. Venue Rules and Compliance

You will be required to check in with event staff and may be required to provide a valid government-issued photo identification. Valid proof of age will be required to be served alcohol. In the event an Invited Guest or designated companion engages in behavior during the Event that (as determined by Sponsor in its sole discretion) is obnoxious or threatening, illegal, or that is intended to threaten or harass any other person, or that in any way disparages or adversely affects the reputation, image, and/or customer goodwill of Sponsor or any of Sponsor’s services, products, trademarks, service marks, or logos, Sponsor reserves the right to eject them from the Event. In the event an Invited Guest or designated companion engages in behavior at Event that (as determined by Sponsor in its sole discretion) is illegal, tortious, or subjects that Invited Guest or designated companion to arrest or detention, Sponsor shall have no obligation to pay any damages, fees, fines, judgments or other costs or expenses of any kind whatsoever incurred by Invited Guest as a result of such conduct.

9. Nature of the Ticket is Revocable License

Invitations are provided with a revocable license. The Released Offer Parties reserve the right to revoke this license and deny admission at any time, with or without cause. This license is automatically and immediately revoked, without notice, if an Invited Guest attempts to sell, auction, trade, or otherwise transfer an Invitation for value in violation of these Terms and Conditions.

10. Photo/Footage Waiver Language

By being an Invited Guest, each participant hereby grants the Released Offer Parties the irrevocable right and permission to photograph, record, and use their likeness, image, voice, and/or appearance (“Footage”) in any media, including but not limited to print, digital, and online formats, for promotional, marketing, or informational purposes related to its activities. Invited Guests understand that these materials may be edited, copied, exhibited, published, or distributed and waive the right to inspect or approve the finished product or its use. They also release and hold harmless the Released Offer Parties from any claims, demands, or causes of action arising from such use. This consent is given voluntarily without expectation of compensation and remains in effect indefinitely unless revoked in writing.

11. General Terms

By participating in this Offer, Eligible Participants agree: [a] to abide by and be bound by these Terms and Conditions and decisions of the Released Offer Parties which shall be final in all respects relating to the Offer, including without limitation the interpretation of these Terms and Conditions; [b] to release, discharge and hold harmless the Released Offer Parties from any and all injuries, liability, losses, damages, rights, claims and actions of any kind including liability for personal injury or death resulting from their participation in the Offer or their acceptance, use or misuse of an Invitation; and [c] if an Invited Guest, to the use of his/her name, voice, image and/or likeness and Footage for advertising, publicity and promotional purposes by Sponsor and Sponsor's subsidiaries and affiliates without further compensation (unless prohibited by law) and to execute specific consent to such use if asked to do so. The Released Offer Parties are not responsible and shall not be liable for [a] electronic transmission errors resulting in omission, interruption, deletion, defect, delay in operations or transmission, theft or destruction; [b] technical, network, telephone equipment, electronic, computer, hardware or software malfunctions; and [c] limitations of any kind, or inaccurate transmissions of or failure to receive information by Sponsor on account of technical problems or traffic congestion on the Internet or at any web site or any combination thereof. Sponsor and/or Released Offer Parties are not responsible for incomplete, not received, or misdirected Registrations or Invitations, emails or any other communications of any kind, or any condition caused by events beyond the control of the Sponsor that may cause the Offer to be disrupted or corrupted. If, for any reason whatsoever, this Offer, in Sponsor's sole opinion, is not capable of running as planned, including, but not limited to, by reason of equipment tampering, fraud, or any other cause which, in the Sponsor's sole judgment, corrupts or affects the security, fairness, integrity or proper conduct of this Offer, Sponsor reserves the right at its sole discretion to cancel, terminate, modify or suspend this Offer and terminate the Offer but all Registrations submitted validly prior to cancellation will still result in Invitations being distributed if the Event is still taking place, otherwise the Offer will be void. Sponsor may prohibit a participant from participating in the Offer or receiving an Offer if, in its sole discretion, it determines that said participant is attempting to undermine the legitimate operation of the Offer by cheating, deception, or other unfair playing practices or intending to annoy, abuse, threaten or harass any other participants, Sponsor, or Released Offer Parties. CAUTION: ANY ATTEMPT BY A PARTICIPANT TO DELIBERATELY DAMAGE OR UNDERMINE THE LEGITIMATE OPERATION OF THE OFFER MAY BE IN VIOLATION OF CRIMINAL AND CIVIL LAWS AND SHOULD SUCH AN ATTEMPT BE MADE, SPONSOR RESERVES THE RIGHT TO SEEK REMEDIES AND DAMAGES (INCLUDING ATTORNEY'S FEES) FROM ANY SUCH PARTICIPANT TO THE FULLEST EXTENT OF THE LAW, INCLUDING CRIMINAL PROSECUTION.

12. Governing Law and Limitation of Liability

Subject to Section 11, all issues and questions concerning the construction, validity, interpretation and enforceability of these Terms and Conditions or the rights and obligations of Eligible Participants, Sponsor or the Released Offer Parties in connection with the Offer will be governed by and construed in accordance with the internal laws of the State of Delaware, without giving effect to any choice of law or conflict of law rules or provisions that would cause the application of any other laws.

BY PARTICIPATING IN THE OFFER, EACH ELIGIBLE PARTICIPANT 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 OFFER OR ANY INVITATION AWARDED WILL BE RESOLVED THROUGH FINAL AND BINDING ARBITRATION, WITHOUT RESORT TO ANY FORM OF CLASS ACTION, PURSUANT TO SECTION 11 BELOW; (B) EACH PARTY’S AGGREGATE LIABILITY UNDER THESE TERMS AND CONDITIONS SHALL BE LIMITED TO THE NET OF THE ELIGIBLE PARTICIPANT’S OUT-OF-POCKET EXPENSES (I.E., COSTS INCURRED TO PARTICIPATE IN THIS OFFER, IF ANY), AND IN NO EVENT WILL ATTORNEYS’ FEES BE AWARDED OR RECOVERABLE; (C) UNDER NO CIRCUMSTANCES WILL ANY PARTY BE LIABLE UNDER THESE TERMS AND CONDITIONS FOR ANY PUNITIVE, INCIDENTAL, CONSEQUENTIAL OR SPECIAL DAMAGES, LOST PROFITS AND/OR ANY OTHER DAMAGES ASIDE FROM THOSE DESCRIBED IN (B) ABOVE, WHETHER IN CONTRACT, TORT, OR ANY OTHER THEORY, NOTWITHSTANDING ANY FAILURE OF ESSENTIAL PURPOSE OF ANY LIMITED REMEDY; AND (D) REMEDIES ARE LIMITED TO A CLAIM FOR MONEY DAMAGES (IF ANY) AND ELIGIBLE PARTICIPANT 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.

13. Dispute Resolution

Except where prohibited by law, as a condition of participating in this Offer, each Eligible Participant agrees that (1) any and all disputes and causes of action between you and any Released Offer Parties arising out of or connected with this Offer or any Invitation awarded (a “Dispute”), shall be resolved without resort to any form of class action, and exclusively through final and binding arbitration to be administered by National Arbitration and Mediation (“NAM”) in accordance with the NAM Comprehensive Dispute Resolution Rules and Procedures in effect at the time, except as supplemented, where applicable, by the NAM Mass Filing Supplemental Dispute Resolution Rules and Procedures (available at https://www.namadr.com/resources/rules-fees-forms/), and as modified by this agreement, except that you and Sponsor may assert claims or seek relief in small claims court if such claims qualify and remain in small claims court; (2) the Federal Arbitration Act (9 U.S.C. § 1 et seq.) shall govern the interpretation and enforcement of this agreement to arbitrate and all proceedings at any arbitration; and (3) judgment upon such arbitration award may be entered in any court having jurisdiction. The arbitrator shall have exclusive authority to resolve any Dispute, including, without limitation, disputes regarding the interpretation or application of this agreement to arbitrate, including the enforceability, revocability, scope, or validity of the agreement to arbitrate. If any Dispute involves a “Mass Filing” as defined by NAM, the arbitration will be subject to NAM’s Mass Filing Supplemental Dispute Resolution Rules and Procedures (the “Mass Rules”), except that if the Mass Rules conflict with these Terms and Conditions, the Terms and Conditions control. In any Mass Filing, NAM shall (1) administer the arbitration demands in batches of 100 demands per batch (or, fewer to the extent there are fewer than 100 demands to be adjudicated, including after the batching of prior demands); (2) appoint one Merits Arbitrator (as defined in the Mass Rules) for each batch; and (3) provide for the resolution of each batch on a consolidated basis with, once batched, one set of fees due per batch, one procedural calendar, one hearing (if any) in a place to be determined by the arbitrator, and one final award, which will provide for any and all relief to which the arbitrator determines each individual party is entitled. To the extent state law is relevant under the Federal Arbitration Act, the substantive laws of the State of Delaware, USA, shall be applied without regard to Delaware’s choice-of-law rules. If any part or parts of this agreement to arbitrate are found under the law to be invalid or unenforceable, then such specific part or parts shall be of no force and effect and shall be severed, and the remainder of this agreement to arbitrate shall continue in full force and effect. If you have agreed or hereafter agree to the Chime User Agreement, and in the event of a conflict between these Terms and Conditions and the Chime User Agreement (available at https://www.chime.com/policies/chime/chime-user-agreement/), the Chime User Agreement will take precedence and control.

14. Sponsor

The Sponsor of the Offer is Chime Financial, Inc., 101 California Street, Suite 500, San Francisco, CA 94111.

15. Personal Information

Information collected from all Eligible Participants is subject to Sponsor’s Privacy Policy. To view Sponsor’s Privacy Policy, visit https://www.chime.com/policies/chime/privacy-policy/.