Chime Holiday 2026 Sweepstakes Official Rules

1. Eligibility

The Chime Holiday 2026 Sweepstakes (“Sweepstakes”) is open only to existing Chime members (of any Chime membership tier) who are legal residents of the fifty (50) United States and the District of Columbia, who are eighteen (18) years of age (or nineteen (19) in Alabama and Nebraska) or older and have a valid Social Security Number (“SSN”) as of date of entry. Employees, officers and directors of Chime Financial, Inc. (“Sponsor”), The Bancorp Bank, N.A., Stride Bank, N.A., Realtime Media LLC (“Administrator”) and their respective parent companies, affiliates, subsidiaries, advertising, contest, fulfillment and marketing agencies (collectively, the “Sweepstakes Parties”), their immediate family members and those living in the same household as such individuals (whether legally related or not) are not eligible to participate in the Sweepstakes or win a prize. For purposes of this Sweepstakes, immediate family members are defined as spouse, partner, parents, legal guardians, in-laws, grandparents, siblings, children and grandchildren and their respective spouses, and those living in the same household shall mean people who share the same residence at least three (3) months a year, whether legally related or not. Void where prohibited by law. All federal, state, and local laws and regulations apply. By participating in the Sweepstakes, you unconditionally accept and agree to comply with and abide by these “Official Rules” and the decisions of Sponsor, including the interpretation of these Official Rules, administration of the Sweepstakes, selection of the winners, and Sponsor’s exercise of discretion, which will be final, non-appealable, and binding in all respects.

2. Timing

The Sweepstakes begins at or about 12:00 p.m. (noon) Eastern Time (“ET”) on November 9, 2026, and ends at 11:59 p.m. ET on December 31, 2026 (the “Sweepstakes Period”). The designated computer clock of the Sponsor is the official time-keeping device in the Sweepstakes.

3. How To Enter

All Sweepstakes information, including these Official Rules and all methods of entry, is available in the Sweepstakes hub located within the Chime mobile application (the "App") (such in-App hub, the "Sweepstakes Hub"). To access the Sweepstakes Hub, please make sure you have downloaded the latest version of the App. If you are eligible, you may participate in the Sweepstakes as follows:

Step 1: Visit the Sweepstakes Hub and follow the on-screen instructions to activate your participation in the Sweepstakes.

Step 2: Earn entries based on your Chime membership tier and by completing any of the actions described in items (b) through (h) below (each, a “Challenge”). Each Challenge may be completed only once to earn entries. You may also enter for free by mail as described in item (i) below.

Entry Validation. Sponsor may take up to ten (10) business days after completion of a challenge to validate the activity and credit the corresponding entries. Business days are Monday through Friday, excluding federal holidays. All applicable completion and settlement deadlines stated in these Official Rules continue to apply. Entries earned through timely completed challenges will be included in the drawing following validation, even if credited after the Sweepstakes Period ends.

A. Entries Based on Chime Membership Status: Based on your Chime membership status as of November 9, 2026, you will receive the following number of entries into the Sweepstakes, subject to the limits set forth below;

i. Chime Standard Members: If, as of November 9, 2026, you have a Chime Standard Membership (and not a Chime Plus Membership or Chime Prime Membership) (a “Chime Standard Member”) and you qualify for an upgrade during the Sweepstakes Period to a Chime Plus Membership, you will receive five (5) entries into the Sweepstakes. If you instead upgrade during the Sweepstakes Period to a Chime Prime Membership, you will receive ten (10) entries into the Sweepstakes. Please see below for more information on qualifying for a Chime Plus Membership and Chime Prime Membership.

ii. Chime Plus Members: If you have a Chime Plus Membership as of November 9, 2026 (a “Chime Plus Member”), you will automatically receive five (5) entries into the Sweepstakes. If you then qualify for an upgrade to a Chime Prime Membership during the Sweepstakes Period, you will receive ten (10) additional entries into the Sweepstakes. Please see below for more information on qualifying for a Chime Prime Membership.

iii. Chime Prime Members: If you have a Chime Prime Membership as of November 9, 2026 (a “Chime Prime Member”), you will automatically receive fifteen (15) entries into the Sweepstakes.

* You may confirm your current Chime membership tier by visiting the Membership Hub under “Profile” in the App.

**To qualify for Chime Plus Membership, you must receive in the preceding 34 calendar days either: (1) a single Qualifying Direct Deposit of $200.00 or more to your Chime Checking Account; or (2) Qualifying Direct Deposits that cumulatively equal $400.00 or more to your Chime Checking Account.

***To qualify for Chime Prime Membership, you must receive Qualifying Direct Deposits that cumulatively equal $3,000.00 or more to your Chime Checking Account in the preceding 34 calendar days.

For more information regarding qualifying for Chime Plus Membership and Chime Prime Membership (including the definition of a “Qualifying Direct Deposit”), please see the Chime Membership Tiers Terms and Conditions.

B. Activate and Redeem a Chime Deal: During the Sweepstakes Period, visit the Chime Deals Hub in the App and activate and redeem at least one (1) Chime Deal. Chime Standard Members will receive five (5) entries, and Chime Plus Members and Chime Prime Members will receive eight (8) entries. Activating and redeeming additional Chime Deals will not earn additional entries. This Challenge may be completed only once and additional entries will not be awarded for redeeming additional Chime Deals.

C. Automatic Bill Switch to Chime: During the Sweepstakes Period, follow the instructions in the App for the automatic bill switch feature to use any one of your active Chime cards to successfully add a new bill to your Chime Account. Chime Standard Members will receive two (2) entries, and Chime Plus Members and Chime Prime Members will receive three (3) entries into the Sweepstakes. Additional bill switches will not earn additional entries. This Challenge may be completed only once and additional entries will not be awarded for additional bill switches.

D. Set One of Your Chime Cards as the Default Payment Method at a New Merchant: During the Sweepstakes Period, follow the instructions in the App to set any one of your active Chime cards as the default payment method with a new merchant. The merchant must be different from the merchant used for the Automatic Bill Switch to Chime Challenge in item (c) above. Chime Standard Members will receive two (2) entries, and Chime Plus Members and Chime Prime Members will receive three (3) entries. This Challenge may be completed only once and additional entries will not be awarded for additional merchants.

E. Link an External Account in Spending Insights: During the Sweepstakes Period, follow the instructions in the App to link an external account in Spending Insights through Plaid, or consent to the use of an already-connected external account in Spending Insights. Chime Standard Members will receive five (5) entries, and Chime Plus Members and Chime Prime Members will receive eight (8) entries. This Challenge may be completed only once and additional entries will not be awarded for linking additional external accounts.

F. Fund Your Chime Checking Account via Instant Transfer: During the Sweepstakes Period, complete a single Instant Transfer of at least One Hundred and 00/100 Dollars ($100.00 USD) into your Chime Checking Account using an external debit card. Chime Standard Members will receive two (2) entries, and Chime Plus Members and Chime Prime Members will receive three (3) entries. This Challenge may be completed only once and additional entries will not be awarded for additional Instant Transfers.

G. Set Up and Receive a Recurring Transfer: During the Sweepstakes Period, set up a recurring transfer of at least One Hundred and 00/100 Dollars ($100.00 USD) into your Chime Checking Account from an external account, at any available frequency (weekly, biweekly, or monthly), and receive at least one (1) such settled transfer during the Sweepstakes Period. Chime Standard Members will receive five (5) entries, and Chime Plus Members and Chime Prime Members will receive eight (8) entries. This Challenge may be completed only once and additional entries will not be awarded for additional recurring transfers.

H. Complete the Chime Tax Survey: During the Sweepstakes Period, complete the Chime Tax Survey in the Sweepstakes Hub. All members who complete the Chime Tax Survey will receive twenty (20) entries. This Challenge may be completed only once and additional entries will not be awarded for completed additional surveys.

I. Free Alternate Method of Entry (“AMOE”): To enter the Sweepstakes without completing a Challenge, legibly hand-print your full name, complete mailing address (no P.O. Boxes), email address, phone number, and date of birth on a plain 3" x 5" piece of paper (“Mail-In Entry”). Mail your completed Mail-In Entry in an envelope to: Realtime Media LLC, Attn: Chime Holiday 2026 Sweepstakes Entry (13300), 2460 General Armistead Ave, Suite 209, West Norriton, PA 19403. Each Mail-In Entry must be submitted in a separate envelope. No photocopied or mechanically reproduced Mail-In Entries will be accepted. Sponsor is not responsible for postage-due Mail-In Entries or for any incorrect or illegible data contained in any Mail-In Entry. Mail-In Entries must be postmarked no later than December 31, 2026, and received by January 7, 2027, to be eligible for the Sweepstakes. All Mail-In Entries become the property of Sponsor and will not be returned or acknowledged. Each eligible Mail-In Entry will receive one (1) entry into the Sweepstakes.

All entries described in this Section 3 are subject to the limits below.

Entry Limits and Entry Validity: You may only earn a maximum of up to sixty-eight (68) total entries during the entire Sweepstakes Period, regardless of method of entry or combination of methods. Attempts made by the same individual to earn more than the stated number of entries by using multiple or false contact information, accounts or otherwise may result in disqualification. Entries generated by a script, computer programs, macro, programmed, robotic or other automated means are void and may be disqualified. Entries that are in excess of the stated limit(s), incomplete, illegible, corrupted, damaged, destroyed, forged, false, lost, late or misdirected, deceptive, or otherwise not in compliance with the Official Rules may be disqualified from the Sweepstakes at Sponsor’s sole and absolute discretion. Those who do not follow all instructions, provide the required information in their entry form, or abide by these Official Rules or other instructions of Sponsor may be disqualified. Entries submitted by those who do not meet the eligibility requirements (including all requirements with respect to age and residence) are void. In the event of a dispute over the identity of an entrant, an entry earned through the App will be deemed submitted by the holder of the Chime Checking Account through which it was earned, and a Mail-In Entry will be deemed submitted by the holder of the Chime Checking Account associated with the email address provided, in each case provided that person is eligible. Any potential winner may be required to show proof of being the applicable Chime Checking Account holder.

4. Sweepstakes Drawing

On or about January 19, 2027, the Administrator will conduct a random drawing to select one (1) potential Grand Prize winner, five (5) potential First Prize winners, ten (10) potential Second Prize winners, twenty (20) potential Third Prize winners, and five hundred (500) potential Fourth Prize winners (as those terms are defined below) from among all eligible entries received in accordance with these Official Rules. Five hundred thirty-six (536) potential winners in total will be selected.

5. Odds

Odds of winning a prize depend on the total number of eligible entries received in the Sweepstakes.

6. Winner Notification/Prize Claiming

Notification. Sponsor expects to begin notifying potential winners via email (or other contact information) on or about January 22, 2027.

As part of the winner notification process, all potential winners of prizes valued at $2,000 or more will be required to sign and return a declaration of eligibility/release of liability/prize acceptance agreement (“Declaration”), within three (3) days of date of notification, as a condition of receiving a prize. If any notification (including the Declaration) is returned as rejected, faulty, unclaimed or returned as undeliverable to a potential winner; or if the potential grand prize winner cannot be contacted within a reasonable time period, fails or refuses to sign and return the Declaration within the required time period and/or a potential winner is ineligible or otherwise fails to fully comply with these Official Rules; such potential winner will be disqualified and an alternate winner will be selected at random from among all remaining eligible entries, up to three (3) alternates, after which the applicable prize will remain unawarded. Potential winner becomes a “winner” only after verification of eligibility by Sponsor.

The Sweepstakes Parties are not responsible for and shall not be liable for incorrect, changed, or illegible contact information or for electronic communications that are undeliverable as a result of any form of active or passive filtering, or insufficient space in entrant’s email or other account to receive messages. Sweepstakes Parties are not responsible for late, lost, intercepted, misdirected, or unsuccessful efforts to notify the potential winner. Notification is deemed to have occurred immediately upon the sending of an email.

Account Standing. As a condition of receiving any prize, a potential winner's Chime Checking Account must be open and in good standing at the time of prize disbursement, as determined by Sponsor in its sole and absolute discretion; if the account is closed, suspended, restricted, or otherwise not in good standing at that time, the potential winner will be disqualified and the prize may be forfeited or awarded to an alternate winner.

Excess Claims. No more than the stated number of prizes will be awarded. If, for any reason, more bona fide winners come forward seeking to claim prizes in excess of the number of prizes set forth in these Official Rules, the winner(s) of the advertised number of prizes available may be selected in a random drawing from among all persons making purportedly valid claims for such prize(s). Inclusion in such drawing shall be each entrant’s sole and exclusive remedy under such circumstances.

7. Prizes/Prize Restrictions

The prizes to be awarded in this Sweepstakes are:

One (1) Grand Prize: The “Grand Prize” is One Hundred Thousand and 00/100 Dollars ($100,000.00 USD), to be deposited into the Grand Prize winner’s Chime Checking Account. The value of the Grand Prize is $100,000.00.

Five (5) First Prizes: Each “First Prize” is Five Thousand and 00/100 Dollars ($5,000.00 USD), to be deposited into the First Prize winner’s Chime Checking Account. The value of each First Prize is $5,000.00.

Ten (10) Second Prizes: Each “Second Prize” is Two Thousand and 00/100 Dollars ($2,000.00 USD), to be deposited into the Second Prize winner’s Chime Checking Account. The value of each Second Prize is $2,000.00.

Twenty (20) Third Prizes: Each “Third Prize” is One Thousand and 00/100 Dollars ($1,000.00 USD), to be deposited into the Third Prize winner’s Chime Checking Account. The value of each Third Prize is $1,000.00.

Five Hundred (500) Fourth Prizes: Each “Fourth Prize” is One Hundred and 00/100 Dollars ($100.00 USD), to be deposited into the Fourth Prize winner’s Chime Checking Account. The value of each Fourth Prize is $100.00.

Total value of all prizes available in the Sweepstakes: $215,000.00.

Prizes are non-transferable, with no substitutions except at Sponsor’s sole and absolute discretion. All prize details not specified in these Official Rules will be determined in Sponsor’s sole and absolute discretion. Prize details and availability are subject to change and are subject to applicable rules and restrictions. Winners will be solely responsible for all federal, state, and/or local taxes, and for any other fees or costs associated with the prizes received, regardless of whether they, in whole or in part, are used. For prizes received which total or exceed the applicable IRS reporting threshold, an IRS Form 1099-MISC will be issued to each such prize’s winner. Any unclaimed prize will be forfeited. Prizes, if legitimately claimed, will be awarded. The Sweepstakes Parties are not responsible for, and will not reissue, any prize deposit that cannot be completed to the winner’s Chime Checking Account because the account is closed, restricted, or otherwise unable to receive the deposit. If a winner does not accept or use the entire prize, the unaccepted or unused part of the prize will be forfeited, and the Sweepstakes Parties will have no further obligation with respect to that prize or portion of the prize.

Sponsor expects to begin depositing prizes valued at less than $2,000 into verified winners’ Chime Checking Accounts on or about January 22, 2027. For prizes valued at $2,000 or more, Sponsor expects prize fulfillment to begin thirty (30) days after the winner submits the completed Declaration, subject to verification of eligibility and compliance with these Official Rules.

Notwithstanding the number of entries submitted, each entrant is eligible to win only one (1) prize; if an entrant is selected in connection with more than one (1) prize, the entrant will be awarded only the prize of the highest value, and Sponsor will conduct a random drawing from among the remaining eligible entries to select an alternate winner for each lower-value prize.

8. Publicity; Sponsor’s Right to Modify or Cancel

Publicity. Subject to applicable law, each winner hereby expressly grants to the Sweepstakes Parties and their respective successors, assigns, sublicensees and designees, the irrevocable right to use and publish their name, social handles, likeness (photographic or simulated), voice, biography and place of residence for all purposes, including, without limitation, advertising, marketing, promotional and publicity purposes in connection with this Sweepstakes or other promotion for Sponsor or its products or services (“Advertising”), in any and all media now or hereafter devised, worldwide, in perpetuity, without any form of notice, permission or any amount or kind of compensation, except for the awarding of the prizes to the winners. Each winner further assigns all trademark, copyright, or other intellectual property rights in any of winner’s Sweepstakes-related social media posts to Sponsor. All copyright, trademark or other intellectual property rights in the Advertising shall be owned by Sponsor and/or its licensors, and each winner hereby disclaims and waives any claim of right to such Advertising. Such Advertising shall be solely under the control of Sponsor and/or its licensors, and each winner hereby waives any claim of control over the Advertising content as well as any possible claims of misuse of winner’s name, image, likeness, or voice under contract, tort, or any other theory of law.

Sponsor’s Right to Modify or Cancel. In the event Sponsor is prevented from continuing with the Sweepstakes by any event beyond its control, including, but not limited to, fire, flood, epidemic, earthquake, explosion, labor dispute or strike, act of God or public enemy, communications or equipment failure, utility or service interruptions, riot or civil disturbance, terrorist threat or activity, war (declared or undeclared), interference with the Sweepstakes by any party, or any federal, state, or local government law, order, or regulation, order of any court or jurisdiction, or other cause not reasonably within Sponsor’s control (each, a “Force Majeure” event or occurrence), Sponsor shall have the right to modify, suspend or terminate the Sweepstakes or prize. Sponsor additionally reserves the right, in its sole and absolute discretion to modify, suspend or terminate the Sweepstakes should causes beyond Sponsor’s control corrupt or interfere with the administration, integrity, operation, security or proper play of the Sweepstakes. If, for any reason, the Sweepstakes (or any part thereof) is not capable of running as planned for reasons which may include, without limitation, infection by computer virus, tampering, unauthorized intervention, fraud, technical failures, or any other causes which may corrupt or affect the administration, security, fairness, integrity, or proper conduct of this Sweepstakes, then the Sweepstakes Parties reserve the right, at their sole discretion, to cancel, terminate, modify, or suspend the Sweepstakes in whole or in part.

If the Sweepstakes is terminated, the Sweepstakes Parties will award the prizes in a random drawing from among all non-suspect, eligible entries received up to the time of such action.

9. Conduct

The Sweepstakes Parties are not responsible for the actions of entrants in connection with the Sweepstakes, including entrants’ attempts to circumvent the Official Rules or otherwise interfere with the administration, security, fairness, integrity, or proper conduct of the Sweepstakes. The Sweepstakes Parties reserve the right, at their sole discretion, to disqualify (or terminate the prize of) any individual who is found to be, or suspected of, acting in any manner deemed by the Sweepstakes Parties to be in violation of the Official Rules, or to be unsportsmanlike or disruptive, or with intent to annoy, abuse, threaten or harass any other person, or to be tampering with the entry process or the operation of the Sweepstakes, and void all associated entries and/or registrations. CAUTION: ANY ATTEMPT BY A USER, YOU OR ANY OTHER INDIVIDUAL TO DAMAGE OR UNDERMINE THE LEGITIMATE OPERATION OF THE SWEEPSTAKES IS A VIOLATION OF CRIMINAL AND CIVIL LAWS, AND SHOULD SUCH AN ATTEMPT BE MADE, THE SWEEPSTAKES PARTIES RESERVE THE RIGHT TO SEEK DAMAGES AND OTHER REMEDIES (INCLUDING ATTORNEYS’ FEES) FROM ANY SUCH PERSON TO THE FULLEST EXTENT PERMITTED BY LAW.

10. Waivers and Disclaimers

The Sweepstakes Parties assume no responsibility or liability for: (a) lost, late, stolen, undelivered, inaccurate, incomplete, delayed, misdirected, damaged or garbled registrations, entries, Mail-In Entries, or emails; (b) any incorrect or inaccurate entry information, or for any faulty or failed electronic data transmissions; (c) any unauthorized access to, or theft, destruction or alteration of entries or registrations at any point in the operation of this Sweepstakes; (d) any technical malfunction, failure, error, omission, interruption, deletion, defect, delay in operation or communications line failure, regardless of cause, with regard to any equipment, systems, networks, lines, cable, satellites, servers, computers, mobile devices, or providers utilized in any aspect of the operation of the Sweepstakes; (e) inaccessibility or unavailability of the Internet, the App, or the Sweepstakes Hub, or any combination thereof or for computer hardware or software malfunctions, failures or difficulties, or other errors or difficulties of any kind whether human, mechanical, electronic, computer, network, typographical, printing or otherwise relating to or in connection with the Sweepstakes, including, without limitation, errors or difficulties which may occur in connection with the administration of the Sweepstakes, the processing of entries or registrations, the announcement of the prizes, or in any other Sweepstakes-related materials; or (f) any injury or damage to entrants or to any other person's computer or mobile device which may be related to or resulting from any attempt to participate in the Sweepstakes.

11. Releases

All entrants, as a condition of participation in this Sweepstakes, release, discharge, indemnify and hold harmless the Sweepstakes Parties, and each of their respective directors, officers, employees, agents, successors and assigns (collectively, “Released Parties”) from and against any and all liability, claims, costs (including attorneys’ fees), losses, damages, fines, or actions of any kind whatsoever for injuries, death, damages, or losses to persons or property which may be sustained, in whole or in part, directly or indirectly, in connection with: (i) participation in any aspect of the Sweepstakes; (ii) the receipt, ownership, use or misuse of any prize awarded; (iii) the Released Parties’ violation of rights of publicity or privacy, claims of defamation or portrayal in a false light or based on any claim of infringement of intellectual property; (iv) entrant’s registration or participation in the Sweepstakes through the App or the Sweepstakes Hub, or (v) any typographical, human or other error in the printing, offering, selection, operation or announcement of any Sweepstakes activity and/or prize.

12. Governing Law and Limitation of Liability

Subject to Section 13, all issues and questions concerning the construction, validity, interpretation and enforceability of these Official Rules or the rights and obligations of entrants, Sponsor or the Released Parties in connection with the Sweepstakes 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 ENTERING THE SWEEPSTAKES, ENTRANT 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 SWEEPSTAKES, OR ANY PRIZE AWARDED, WILL BE RESOLVED THROUGH FINAL AND BINDING ARBITRATION, WITHOUT RESORT TO ANY FORM OF CLASS ACTION, PURSUANT TO SECTION 13 BELOW; (B) EACH PARTY’S AGGREGATE LIABILITY UNDER THESE OFFICIAL RULES SHALL BE LIMITED TO THE ENTRANT’S ACTUAL OUT-OF-POCKET EXPENSES (I.E., COSTS INCURRED TO ENTER THIS SWEEPSTAKES, IF ANY), AND IN NO EVENT WILL ATTORNEYS’ FEES BE AWARDED OR RECOVERABLE; (C) UNDER NO CIRCUMSTANCES WILL ANY PARTY BE LIABLE UNDER THESE OFFICIAL RULES 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 ENTRANT 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 Sweepstakes, each entrant agrees that (1) any and all disputes and causes of action between you and any Sweepstakes Parties arising out of or connected with this Sweepstakes or any prizes 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 Official Rules, the Official Rules 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 Official Rules 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. Entry Information and Sweepstakes Communications

As a condition of entering the Sweepstakes, each entrant gives consent for Sponsor to obtain and deliver their name, address, and other information to third parties for the purpose of administering this Sweepstakes and to comply with applicable laws, regulations, and rules. Any information entrant provides to Sponsor may be used to communicate with entrant in relation to this Sweepstakes or on a Sweepstakes winner’s list. By participating in the Sweepstakes, entrant agrees to all of the terms and conditions of the Sponsor’s Privacy Policy, which is available at https://www.chime.com/policies/chime/privacy-policy/. In the event of any discrepancy between the Sponsor’s Privacy Policy and these Official Rules, these Official Rules shall control and govern.

15. Miscellaneous

If any provision or portion of these Official Rules is determined to be invalid, unenforceable, or illegal, all other provisions will remain in effect and will be construed in accordance with their terms as if the invalid, unenforceable, or illegal provision or portion were not contained herein. Sponsor’s failure to enforce any term of these Official Rules will not constitute a waiver of that provision. Entrants agree to waive any rights to claim ambiguity of these Official Rules. Headings are solely for convenience of reference and will not be deemed to affect in any manner the meaning or intent of the documents or any provision hereof. In the event there is a discrepancy or inconsistency between disclosures or other statements contained in any Sweepstakes-related materials, privacy policy, or terms of use on any website, social media platform, or application (including the App) and/or the terms and conditions of the Official Rules, the Official Rules shall prevail, govern, and control and the discrepancy will be resolved in Sponsor’s sole and absolute discretion.

16. Winners List

To receive a list of the winners, send a #10 self-addressed, stamped envelope for receipt by March 2, 2027, to: Chime Holiday 2026 Sweepstakes (13300) - Winners List Request, c/o Realtime Media LLC, 2460 General Armistead Ave, Suite 209, West Norriton, PA 19403.

17. Sponsor

Chime Financial, Inc., 101 California Street, Suite 500, San Francisco, CA 94111. Reference to third parties in connection with prizes and/or third-party websites or services are for reference and identification purposes only and not intended to suggest endorsement, sponsorship or affiliation with Sponsor or the Sweepstakes.

18. Administrator

Realtime Media LLC, 2460 General Armistead Ave, Suite 209, West Norriton, PA 19403.

The Chime Visa^® Debit Card, secured Chime Credit Builder Visa^® Credit Card, and the secured Chime Visa^® Credit Card are issued by The Bancorp Bank, N.A. or Stride Bank, N.A.

Banking services are provided by The Bancorp Bank, N.A., or Stride Bank, N.A., Members FDIC. This Sweepstakes is not sponsored, endorsed, or administered by The Bancorp Bank, N.A. or Stride Bank, N.A.