Varo Bank, N.A. 

Grand Giveaway 

Official Rules

• NO PURCHASE OR PAYMENT OF ANY KIND IS NECESSARY TO ENTER OR WIN THIS SWEEPSTAKES. A PURCHASE OR PAYMENT OF ANY KIND WILL NOT INCREASE YOUR CHANCES OF WINNING.

• VOID WHERE PROHIBITED BY LAW. 

• ALL DISPUTES WILL BE RESOLVED SOLELY BY BINDING ARBITRATION AND ENTRANTS WAIVE THE ABILITY TO BRING CLAIMS IN A CLASS ACTION FORMAT.

• THIS SWEEPSTAKES IS IN NO WAY SPONSORED, ENDORSED, ADMINISTERED BY, OR ASSOCIATED WITH VISA U.S.A. INC.

• ONLY QUALIFYING PURCHASES MADE USING AN ELIGIBLE CARD AFTER OPTING IN ARE ELIGIBLE FOR AUTOMATIC ENTRY IN THIS SWEEPSTAKES. 

BY ENTERING (OR OTHERWISE PARTICIPATING IN) THE VARO BELIEVE SWEEPSTAKES, ENTRANTS AGREE TO THESE “OFFICIAL RULES,” WHICH ARE A BINDING CONTRACT, SO READ THEM CAREFULLY BEFORE ENTERING.  WITHOUT LIMITATION, THIS CONTRACT INCLUDES INDEMNITIES TO THE SWEEPSTAKES ENTITIES (DEFINED BELOW) FROM YOU AND A LIMITATION OF YOUR RIGHTS AND REMEDIES.

For the purpose of this Sweepstakes: (1) all entries, whether submitted by using an eligible Varo credit card as described below or by alternate means of entry (i.e., mail-in method of entry), have an equal chance of winning; and (2) card use requires purchase transactions initiated by a Varo Visa® Believe credit card (an “Eligible Card”), as described below. 

1.  Eligibility.  The Varo Believe Sweepstakes, known as Grand Giveaway (the “Sweepstakes”) is open only to individuals who are legal residents and physically located in one (1) of the fifty (50) states in the United States (including the District of Columbia) and who are at least the age of majority in their state/jurisdiction of residence (which is eighteen (18) in most states but is nineteen (19) in Alabama and Nebraska and twenty-one (21) in Mississippi) at the date and time of entry.  Employees, officers and directors of Varo Bank, N.A. (“Sponsor”), Sponsor’s parent companies, and each of their respective affiliates, subsidiaries, advertising and promotion agencies, distributors and other prize suppliers (collectively with Sponsor, the “Sweepstakes Entities”), and each of such employees’, officers’ and directors’ immediate family members and/or those living in the same household (whether legally related or not) of each are not eligible to enter the Sweepstakes or win a Prize (defined below).  For purposes of this Sweepstakes, “immediate family members” are defined as spouse, partner, parents, legal guardians, in-laws, grandparents, siblings, children and grandchildren 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.  By participating in the Sweepstakes, each Entrant (defined below) unconditionally accepts and agrees to comply with and abide by these Official Rules and the decisions of Sponsor, including the interpretation of these Official Rules and its exercise of discretion, which will be final and binding in all respects.  An individual who is eligible and enters or attempts to enter the Sweepstakes as set forth below is referred to herein as an “Entrant.” 

2.  Sweepstakes Period and Entry Periods.  The Sweepstakes begins on or about 12:00 a.m.      Coordinated Universal Time (“UTC”) on November 12, 2026 and ends at 11:59 p.m. UTC on January 5, 2027 (the “Sweepstakes Period”); provided that the Sweepstakes will be divided into four (4) separate entry periods as described below (each, an “Entry Period”):

3.  How to Enter.  There are two (2) methods of entry for this Sweepstakes, and you may enter as follows: 

(i) Use Your Varo Believe Credit Card (“Entry Method 1”): To participate and enter in the Sweepstakes via Entry Method 1, during the Sweepstakes Period, an individual must: (1) have a Varo bank account that is open and in good standing; (2) opt in to the Sweepstakes through the Varo mobile app or Varo web app as directed by the Sweepstakes call-to-action on the app (“Opt-In”); and (3) after completing the Opt-In, have an active Eligible Believe Card that is open and in good standing and use their Eligible Card to make a single purchase transaction of $10.00 or more during an Entry Period.  An individual does not need to have an Eligible Card to complete the Opt-In.  Varo customers in good standing who complete the Opt-In without an Eligible Card will be directed through the Varo Believe onboarding process.  Only qualifying purchase transactions made using an Eligible Card after completing the Opt-In are eligible to earn entries via Entry Method 1.  Each single purchase transaction of $10.00 to $24.99 is worth one (1) entry in the Sweepstakes, and each single purchase transaction of $25.00 or more is worth two (2) entries in the Sweepstakes.  Entries are earned based on the amount of each individual purchase transaction; multiple purchase transactions may not be combined to reach a qualifying amount, and no single purchase transaction will earn more than two (2) entries, regardless of amount.  An individual only needs to complete the Opt-In once to participate in all Entry Periods.  Purchase transactions involving account adjustment transactions/returns, AFT Transfers, PIN-based debit transactions, late payment fees, over-limit or over-draft transactions or fees, return check fees, check re-order fees, ATM transactions or fees, cash advances or other transactions requiring a PIN for completion, monthly/annual fees, balance transfers and/or other fees assessed on your account are not eligible for automatic Sweepstakes entry.  Entries from cards other than an Eligible Card are void. Entries from unauthorized Eligible Card use or purchases made with lost, stolen, or fraudulent Eligible Cards are void.  Only purchase transactions made with an Eligible Card (as detailed above) for an account that is open and in good standing (both at time of entry and winner selection) and issued by Sponsor in the U.S. to an identifiable Eligible Card-holder (as set forth herein), and that are processed and submitted through Visa’s U.S. transaction processing system during an Entry Period are eligible for automatic entry.  Sponsor may not receive entries that fail to strictly follow the entry instructions set forth in these Official Rules and Sponsor is not responsible for failure to see or receive an entry.

(ii) Mail-In Entry Or Entry Without Use of a Varo Believe Credit Card (“Entry Method 2” or “Mail-In Entry”): To participate and enter the Sweepstakes without a Varo account/making a purchase using an Eligible Card, during the Sweepstakes Period, an individual must hand-write their complete name (no initials), valid email address, street address (P.O. Boxes not accepted), city, state, ZIP code, and telephone number on a 3½”x 5” card and mail it (in a mailing envelope), with sufficient postage, to: ATTN: Varo Believe Sweepstakes, Varo Bank, N.A., P.O. Box 108, Draper, UT 84020.  Submission of a Mail-In Entry constitutes the individual’s opt-in to the Sweepstakes.  Each Mail-In Entry that complies with the instructions herein is worth two (2) entries into the Sweepstakes drawing.  All Mail-In Entries must be mailed separately and postmarked by and received by the dates indicated in the chart above in Section 2 to be entered into the applicable Entry Period drawing. Mail-In Entries must be legibly hand-written.  Mechanical reproductions and postage due will not be accepted.  Mail-In Entries received without a verifiable and legible return address will be deemed incomplete and not valid entries.

There is no limit on the number of entries an individual may earn during the Sweepstakes Period.  Entries generated by a script, computer programs, macro, programmed, robotic or other automated means are void and may be disqualified.  Entries that are 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.  Entries submitted by Entrants 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, entry will be deemed submitted by the registered account holder of the email address associated with the entry for the domain associated with the submitted address provided that person is eligible.  Winners may be required to show proof of being the registered account holder of the email address associated with their entry and, for a winning entry via Entry Method 1, the applicable Varo account/Eligible Card-holder.  “Registered account holder” is defined as the person assigned to an email address by an Internet access provider, online service provider or other organization responsible for assigning email addresses.  In the event a dispute regarding the identity of the individual who actually submitted an entry cannot be resolved to Sponsor’s satisfaction, the affected entry will be deemed ineligible.  Sponsor’s designated database clock will be the official timekeeper for this Sweepstakes.  Those who do not follow all of the instructions, provide the required information in their entry, or abide by these Official Rules or other instructions of Sponsor may be disqualified.  The Sweepstakes Entities may run multiple campaigns, contests, sweepstakes or other promotions simultaneously.  Entry into one (1) campaign, contest or sweepstakes does not constitute entry into any other.

4.  Selection of Winners and Prize Claiming.  There will be a total of twenty-one (21) winners selected in this Sweepstakes: five (5) potential winners will be randomly selected in each of the drawings for Entry Periods 1, 2 and 4, and six (6) potential winners will be randomly selected in the drawing for Entry Period 3, in each case from all eligible entries for the applicable Entry Period drawing in accordance with these Official Rules at the approximate drawing dates listed in the chart in Section 2 above.  For clarity, for each Entry Period, entries submitted via Entry Method 1 and Entry Method 2 will be combined into one (1) drawing pool of entries for purposes of selecting the winners.  Non-winning entries received during an Entry Period will carry forward and be included in each subsequent Entry Period drawing; provided that winning entries, and any other entries of an Entrant who has been selected as a winner, will not carry forward.  Sponsor will have complete discretion over interpretation of the Official Rules, of administration of the Sweepstakes, and of selection of the winners.  Decisions of Sponsor as to the selection of the winners will be final.  In the event that a potential winner is selected via an Eligible Card transaction, the Prize will be awarded to the individual named on the Eligible Card that is used to transact the winning entry (as determined by the Sponsor's account records and subject to Sponsor's identification of the individual named on the applicable Eligible Card). If awarding of a Prize is not feasible after Sponsor’s good faith effort to obtain Cardholder account contact information, Prize will be forfeited and an alternate winner may be selected by random drawing from among all remaining eligible entries for the applicable Entry Period drawing.  The potential winners will be notified by Sponsor through an email sent to each potential winner’s email address (as provided along with their entries) in a commercially reasonable time after the drawing.  Potential winners will never be asked to send any funds to any party in order to claim a Prize.  The Sweepstakes Entities are not responsible for false, incorrect, changed, incomplete or illegible contact information.  Notification is deemed to have occurred immediately upon transmittal of the email.  The Sweepstakes Entities are not responsible for electronic communications that are undeliverable as a result of any form of active or passive filtering of any kind, or if Entrant’s applicable account is incapable of receiving messages.

Before being eligible to receive the Prize, each potential winner will be required to submit an affidavit of eligibility / release of liability / prize acceptance agreement and a W-9 IRS Tax Form to collect the potential winner’s Social Security number (collectively, the “Affidavit”) and return the Affidavit within the twenty-four (24) hour time period specified at notification.  If any potential Prize winner fails or refuses to sign and return such Affidavit within the twenty-four (24) hour time period required by Sponsor or if the Prize or Prize notification is returned as rejected, faulty, unclaimed or returned as undeliverable to such potential Prize winner, such potential Prize winner may be disqualified, and an alternate may be selected.  Non-compliance shall result in disqualification and award of the Prize to an alternate winner.  If any potential Prize winner is found to be ineligible or has not complied with these Official Rules, or if a potential Prize winner cannot attend or participate in any portion of the Prize or declines a Prize for any reason prior to award, such potential winner, as applicable, may be disqualified and an alternate potential winner may be selected.  If, for any reason, more bona fide winners come forward seeking to claim Prizes in excess of the number of each type of Prize set forth in these Official Rules, the winners, or remaining winners, as the case may be, of the advertised number of Prizes available may be selected in a random drawing from among all persons making purportedly valid claims for such Prizes.  Inclusion in such drawing shall be each Entrant’s sole and exclusive remedy under such circumstances.  The Sweepstakes Entities are not responsible for and shall not be liable for late, lost, damaged, intercepted, misdirected, or unsuccessful efforts to notify a potential winner, or if potential winner is a minor, for late, lost, misdirected, or unsuccessful efforts of potential winner to provide signed parental or guardian consent. 

5. Odds.  Odds of winning will depend on the total number of entries received during each applicable Entry Period, which includes any entries carried over from prior Entry Periods in accordance with these Official Rules.

6. Prizes.  A total of twenty-one (21) prizes will be awarded in this Sweepstakes (each, a ”Prize”), as follows: (i) for each of Entry Periods 1, 2 and 4, five (5) Prizes of one thousand dollars ($1,000) each; and (ii) for Entry Period 3, five (5) Prizes of one thousand dollars ($1,000) each and one (1) Prize of five thousand dollars ($5,000).  Each Prize will be awarded as either: (a) if a winner entered the Sweepstakes via Entry Method 1, a deposit of the applicable Prize amount into the winner’s Varo Believe secured account or Varo bank account; or (b) if a winner entered the Sweepstakes via Entry Method 2, a virtual gift card in the amount of the applicable Prize delivered to the winner’s email address associated with their entry (with an approximate retail value (“ARV”) equal to the applicable Prize amount).  If a winner has entered via both Entry Method 1 and Entry Method 2, the distribution of the Prize (as described above) will be at Sponsor’s sole and absolute discretion.  To be eligible to win a Prize awarded by deposit, the winner’s Varo bank account and Believe account must be open and in good standing (i.e., not have a negative balance and not be charged off) at the time of Prize payout; otherwise, the Prize will be forfeited and an alternate winner may be selected.  Sponsor will have up to five (5) business days following winner selection to process each Prize payout.

Prizes are non-transferable, with no cash redemptions, equivalents or 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 Prize provider’s rules and restrictions, and in the event that Sponsor is unable to provide a winner with their Prize, Sponsor may elect to provide the winner with the approximate value of such item in cash or award an alternate prize of comparable or greater value.  All Prizes are awarded “AS IS” and without warranty of any kind, express or implied (including, without limitation, any implied warranty of merchantability or fitness for a particular purpose).  Prize winners will be solely responsible for all federal, state and/or local taxes, and for any other fees or costs associated with the Prizes they receive, regardless of whether they, in whole or in part, are used.  The ARV of the Prizes is based on available information provided to Sponsor and the value of any Prize awarded to a winner may be reported for tax purposes as required by law.  An IRS Form 1099 may be issued in the name of winners for the actual value of the Prize received.  Unclaimed Prizes will be forfeited.  Prizes, if legitimately claimed by following the requirements set forth by Sponsor, will be awarded.  The Sweepstakes Entities are not responsible for and will not replace any lost, mutilated or stolen Prizes or any Prize that is undeliverable or does not reach a winner because of an incorrect or changed address.  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 Entities will have no further obligation with respect to that Prize or portion of the Prize.  No more than the stated Prizes will be awarded.  The total ARV of all Prizes awarded in this Sweepstakes is up to twenty-five thousand dollars ($25,000).  The Sweepstakes Entities are not responsible for and a winner will not receive the difference, if any, between the actual value of the Prizes at the time of award and the stated ARV in these Official Rules or in any Sweepstakes-related correspondence or material.  Limit of one (1) Prize per person for this Sweepstakes.

7. Publicity Release.  Subject to applicable law, each winner irrevocably grants the Sweepstakes Entities, and each of their licensees, successors, assigns and sub-licensees, the right and permission to use winner’s name, voice, likeness, social media posts, Prize details and/or biographical material or any quote provided by the Entrant for advertising, promotional and/or publicity purposes in connection with the Sweepstakes, in all forms of media and by all manners (now and hereafter known), and on and in connection with related products, services, advertising and promotional materials (now known or hereafter developed), worldwide, in perpetuity, without any obligation, notice or consideration, except for the awarding of the Prizes to the winners.

8.  Tampering with Sweepstakes.   The Sweepstakes Entities 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.  Persons found tampering with or abusing any aspect of this Sweepstakes, or whom Sponsor believes to be causing malfunction, error, disruption or damage may be disqualified.  Additionally, any attempt to cheat the Sweepstakes, as determined at the sole and absolute discretion of Sponsor, may result in immediate disqualification of the Entrant, as well as other possible consequences, including disqualification from any and all existing and future sweepstakes.  ANY ATTEMPT BY A PERSON TO DAMAGE ANY WEBSITE (INCLUDING ANY SOCIAL MEDIA PLATFORM OR APPLICATION) OR UNDERMINE THE LEGITIMATE OPERATION OF THIS SWEEPSTAKES MAY BE A VIOLATION OF CRIMINAL AND CIVIL LAWS AND SHOULD SUCH AN ATTEMPT BE MADE, SPONSOR RESERVES THE RIGHT TO SEEK ALL LEGAL AND EQUITABLE REMEDIES FROM AND AGAINST ANY SUCH PERSON TO THE FULLEST EXTENT PERMITTED BY LAW.  Sponsor reserves the right, at its sole and absolute discretion, to disqualify (or terminate the Prize of) any individual who is found to be, or suspected of, acting in violation of these Official Rules, or to be acting in an unsportsmanlike, obscene, immoral or disruptive manner, or with the intent to annoy, abuse, threaten or harass any other person.

9.  Suspension / Modification / Termination.  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, local or provincial 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 any Prize.  Sponsor additionally reserves the right, in its sole and absolute discretion: (i) to modify, suspend or terminate the Sweepstakes should a Force Majeure event or occurrence corrupt or interfere with the administration, integrity, operation, security or proper play of the Sweepstakes; or (ii) to disqualify any Entrant found to be, or suspected of: (a) tampering with the entry process or the operation of the Sweepstakes; (b) acting in violation of these Official Rules; or (c) acting in an unsportsmanlike manner.

10.  Waivers, Disclaimers and Releases.  By participating in the Sweepstakes, each Entrant agrees to release, discharge, indemnify, defend and hold harmless the Sweepstakes Entities, Visa U.S.A. Inc. and each of their respective directors, officers, employees, agents, successors and assigns (collectively, the “Released Parties''), from and against any and all claims, liability, costs (including attorneys’ fees), losses, damages, fines or injuries (up to and including bodily injury and death) of any kind arising out of or related to: (i) Entrant’s participation in the Sweepstakes (including travel to/from any Sweepstakes activity); (ii) any acceptance, possession, misuse or use of any Prize (including, without limitation, losses, damages or injuries to Entrant’s or any other person’s equipment or other property, or to their persons, including those arising from any travel to/from any Prize event or activity); (iii) the Released Parties’ actual or alleged violation of rights of publicity or privacy, claims of defamation or portrayal in a false light or claims of infringement of intellectual property; and (iv) any typographical, human or other error in the printing, offering, selection, operation or announcement of any Sweepstakes activity and/or Prize.  Without limiting the generality of the foregoing, Entrants agree that the Released Parties have neither made nor will be in any manner responsible or liable for any warranty, representation or guarantee, express or implied, in fact or in law, in connection with the Sweepstakes and/or with respect to Prizes, including, without limitation, to any Prize’s quality or fitness for a particular purpose.  Entrants agree and that the Released Parties shall have no responsibility or liability for discontinued Prizes; human error; incorrect or inaccurate transcription of registration and/or account information; any technical malfunctions of the telephone network, computer online system, computer dating mechanism, computer equipment, software, or Internet service provider utilized by Sponsor interruption or inability to access the website, application or any online service via the Internet due to hardware or software compatibility problems; any damage to participant’s (or any third person’s) computer and/or its contents related to or resulting from any part of the Sweepstakes; any lost/delayed data transmissions, omissions, interruptions, viruses, bugs, defects; and/or any other errors or malfunctions, even if caused by the negligence of the Released Parties.  Each Entrant further agrees to indemnify, defend and hold harmless the Released Parties from and against any and all liability resulting or arising from the Sweepstakes and to release all rights to bring any claim, action or proceeding against Released Parties and hereby acknowledge that the Released Parties have neither made nor are in any manner responsible or liable for any warranty, representation or guarantee, express or implied, in fact or in law, relative to a Prize, including express warranties provided exclusively by a Prize supplier that may be sent along with a Prize.  The Released Parties are not responsible for any changes or unavailability of the any platform used for purposes of administering this Sweepstakes that may interfere with the Sweepstakes (including any limitations, any restrictions, or any conditions on Sponsor’s ability to use the platform for the Sweepstakes as set forth herein that are not acceptable to Sponsor) or ability of Entrant to timely enter, receive notices or communicate with Sponsor via the platform, in which case Sponsor, in its sole discretion, may terminate or modify the Sweepstakes.  

11.  Entry Information and Sweepstakes Communications.  Your Opt-In and use of your Eligible Card to make a qualifying purchase during the Sweepstakes Period and/or your submission of a 3½” x 5” mail-in entry constitutes your consent to enter and participate in this Sweepstakes and your consent for Sponsor and Visa to obtain, use and transfer your full name, Eligible Card number (if applicable), email address, home and mailing addresses and phone number and other information provided by entrants in connection with this Sweepstakes for the purpose of administering this Sweepstakes, awarding the Prizes 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, you acknowledge that you have read and consent to the terms and conditions of Sponsor’s Privacy Policy, which can be accessed at: https://www.varomoney.com/privacy-legal/.

12.  Governing Law / Limitation of Liability.  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 Utah, 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: (I) ANY AND ALL DISPUTES, CLAIMS AND CAUSES OF ACTION ARISING OUT OF OR CONNECTED WITH THE SWEEPSTAKES, OR ANY PRIZE AWARDED, WILL BE RESOLVED INDIVIDUALLY, WITHOUT RESORT TO ANY FORM OF CLASS ACTION; (II) ANY AND ALL CLAIMS, JUDGMENTS AND AWARDS WILL BE LIMITED TO ACTUAL THIRD-PARTY, OUT-OF-POCKET COSTS INCURRED (IF ANY) NOT TO EXCEED TEN DOLLARS ($10), BUT IN NO EVENT WILL ATTORNEYS’ FEES BE AWARDED OR RECOVERABLE; (III) UNDER NO CIRCUMSTANCES WILL ANY ENTRANT BE PERMITTED TO OBTAIN ANY AWARD FOR, AND ENTRANT HEREBY KNOWINGLY AND EXPRESSLY WAIVES ALL RIGHTS TO SEEK, PUNITIVE, INCIDENTAL, CONSEQUENTIAL OR SPECIAL DAMAGES, LOST PROFITS AND/OR ANY OTHER DAMAGES, OTHER THAN ACTUAL OUT OF POCKET EXPENSES NOT TO EXCEED TEN DOLLARS ($10), AND/OR ANY RIGHTS TO HAVE DAMAGES MULTIPLIED OR OTHERWISE INCREASED; AND (IV) INDIVIDUALS’ REMEDIES ARE LIMITED TO A CLAIM FOR MONEY DAMAGES (IF ANY) AND INDIVIDUALS IRREVOCABLY WAIVE 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.  The parties each agree to finally settle all disputes only through arbitration; provided, however, Sponsor shall be entitled to seek injunctive or equitable relief in the state and federal courts in Draper, UT and any other court with jurisdiction over the parties.  In arbitration, there is no judge or jury and review is limited.  The arbitrator’s decision and award are final and binding, with limited exceptions, and judgment on the award may be entered in any court with jurisdiction.  The parties agree that, except as set forth above, any claim, suit, action or proceeding arising out of or relating to this Sweepstakes shall be resolved solely by binding arbitration before a sole arbitrator under the streamlined Arbitration Rules Procedures of JAMS Inc. (“JAMS”) or any successor to JAMS.  In the event JAMS is unwilling or unable to set a hearing date within fourteen (14) days of the filing of a “Demand for Arbitration,” then either party can elect to have the arbitration administered by the American Arbitration Association (“AAA”) or any other mutually agreeable arbitration administration service.  If an in-person hearing is required, then it will take place in Draper, UT.  The federal or state law that applies to these Official Rules will also apply during the arbitration.  Disputes will be arbitrated only on an individual basis and will not be consolidated with any other proceedings that involve any claims or controversy of another party, including any class actions; provided, however, if for any reason any court or arbitrator holds that this restriction is unconscionable or unenforceable, then the agreement to arbitrate doesn’t apply and the dispute must be brought in a court of competent jurisdiction in Draper, UT.  Sponsor agrees to pay the administrative and arbitrator’s fees in order to conduct the arbitration (but specifically excluding any travel or other costs of Entrant to attend the arbitration hearing).  Either party may, notwithstanding this provision, bring qualifying claims in small claims court.  In the event there is a discrepancy or inconsistency between an arbitration provision contained in any Eligible Card terms and conditions, and the terms and conditions of these Official Rules, these Official Rules shall prevail, govern and control and the discrepancy will be resolved in Sponsor’s sole and absolute discretion.

14.  List of Sweepstakes Winners.  To receive a list of winners, send a, self-addressed, stamped envelope, within sixty (60) days after the end of the Sweepstakes Period, to: “Varo Believe Sweepstakes Winners List,” P.O. Box 108, Draper, UT 84020.

15.  Miscellaneous.  The invalidity or unenforceability of any provision of these Official Rules or the Affidavit will not affect the validity or enforceability of any other provision.  In the event that any provision of the Official Rules or the Affidavit is determined to be invalid or otherwise unenforceable or illegal, the other provisions will remain in effect and will be construed in accordance with their terms as if the invalid or illegal provision 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 and 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.  Identification of Sponsor.  This Sweepstakes is sponsored by Varo Bank, N.A., PO Box 108, Draper, UT 84020.  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.

Varo Bank, N.A. Member FDIC

PO Box 108, Draper, UT 84020