Last Revised November 11, 2025
FORWARD CHAMPION CHALLENGE SWEEPSTAKES
OFFICIAL RULES
NO PURCHASE NECESSARY TO ENTER OR WIN THIS SWEEPSTAKES, OR TO CLAIM A PRIZE. A PURCHASE WILL NOT INCREASE YOUR CHANCES OF WINNING.
THESE OFFICIAL RULES (THE “OFFICIAL RULES”) CONTAIN AN ARBITRATION AGREEMENT, WHICH WILL, WITH LIMITED EXCEPTION, REQUIRE EACH PARTICIPATING BROKER TO SUBMIT CLAIMS ANY PARTICIPATING BROKER HAS AGAINST SPONSORS TO BINDING AND FINAL ARBITRATION. UNDER THE ARBITRATION AGREEMENT, (1) EACH PARTICIPATING BROKER WILL ONLY BE PERMITTED TO PURSUE CLAIMS AGAINST SPONSORS ON AN INDIVIDUAL BASIS, NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY CLASS OR REPRESENTATIVE ACTION OR PROCEEDING, AND (2) EACH PARTICIPATING BROKER WILL ONLY BE PERMITTED TO SEEK RELIEF (INCLUDING MONETARY, INJUNCTIVE, AND DECLARATORY RELIEF) ON AN INDIVIDUAL BASIS.
The Forward Champion Challenge Sweepstakes (the “Sweepstakes”) begins at 12:01 a.m. ET on November 17, 2025 (the “Sweepstakes Start Date”) and ends at 11:59 p.m. ET on December 31, 2025 (the “Sweepstakes End Date,” and such period commencing on the Sweepstakes Start Date and ending on the Sweepstakes End Date is referred to herein as the “Sweepstakes Period”). The Sweepstakes is sponsored by Forward Financing LLC and Forward Financing USA, LLC (the “Sponsors”). ANY VIOLATION OF THESE OFFICIAL RULES BY ANY ENTRANT MAY RESULT IN DISQUALIFICATION, AND ALL PRIVILEGES (INCLUDING THOSE AS A WINNER, IF APPLICABLE) WILL BE IMMEDIATELY TERMINATED.
1. HOW TO ENTER: All individual representatives of a broker agency that (a) is party to an active ISO Referral Agreement with one of the Sponsors; (b) has not received and does not receive a notice of termination from the applicable Sponsor with respect to the ISO Referral Agreement prior to the Selection Date (as defined below); and (c) has not informed Sponsors in writing prior to the Sweepstakes Start Date that it wishes to opt its representatives out of the Sweepstakes (each agency, a “Broker Agency”) will be eligible to participate in the Sweepstakes (each such representative of a Broker Agency, a “Participating Broker”). Each Participating Broker must be a representative of a Broker Agency throughout the Sweepstakes Period (including at the time of redemption of any Prize (as defined below)). To enter, Participating Brokers must submit a funding application to a Sponsor that is subsequently designated a “Champion Deal” by such Sponsor based on its internal criteria, and such deal must be subsequently funded by that Sponsor during the Sweepstakes Period. Brokers will be able to confirm that a submitted funding application is a “Champion Deal” because (i) this status will be explicitly marked in the Sponsor’s pricing calculator available to Participating Brokers and (ii) the Participating Broker will receive an email notification from a Sponsor confirming that such submitted application is a “Champion Deal.” To enter the Sweepstakes by mail without completing the steps above, a Participating Broker must print their first and last name, complete address, city, state, zip code, daytime telephone number, and e-mail address (if available) on a three-by-five-inch card. That card must be sent in an envelope, with first-class postage affixed, and sent to the Sponsors at the address set forth in Section 8 below, with attention to Forward Champion Challenge Sweepstakes. To be eligible the card must be postmarked within the Sweepstakes Period and received during the Sweepstakes Period or within three (3) days thereafter.
Participation in the Sweepstakes is voluntary and does not require a Participating Broker to purchase anything from the Sponsors. No illegible, incomplete, forged or altered entries will be accepted. All entries are subject to these Official Rules.
2. PRIZE: There will be twenty-one winners of the Sweepstakes who validly entered in accordance with these Official Rules. The Prizes are as follows:
a. Prize for First Winner. The first Participating Broker selected (the “First Winner”) will receive the following (the “First Winner’s Prize”): (a) Super Bowl Package, including (i) two (2) tickets to the Super Bowl held at Levi’s® Stadium in Santa Clara, California on February 8, 2026 (the “Tickets”); (ii) three (3) nights’ hotel accommodation at the Sponsors’ choice of hotel within fifty (50) miles of Levi’s® Stadium, one room, double occupancy, subject to availability; and (iii) ground transportation to and from hotel and stadium on game day (Super Bowl Package having approximate retail value (“ARV”) collectively of $25,060.00); (b) domestic round-trip, economy-class air transportation for the First Winner and a guest between a major airport near the First Winner’s home to an airport near Santa Clara, California (determined by the Sponsors in their sole discretion) (ARV of $1,500.00); and (c) ground transportation to and from the airport and hotel (ARV of $500.00). The actual prize value of travel and hotel accommodations may vary based on airfare, travel and hotel rate fluctuations and distance between departure and destination. The First Winner will not receive the difference between the actual value of the First Winner’s Prize and ARV. The Sponsors will coordinate with the First Winner on the dates for travel and accommodations but, ultimately, the First Winner must be available to travel on the dates specified by the Sponsors or forfeit the First Winner’s Prize. Travel must be round trip. The Sponsors will determine airline and flight itinerary in its sole discretion. No refund or compensation for any part of the Prize or any expenses will be made in the event of the cancellation or delay of any travel arrangements or event. Travel is subject to the terms and conditions set forth in these Official Rules, and those set forth by the Sponsors’ airline carrier of choice as detailed in the passenger ticket contract. If the First Winner’s residence is within 250 miles of Levi’s® Stadium, the First Winner and guest may be provided with ground transportation in lieu of air transportation. The Sponsors are not responsible if the Super Bowl is delayed, postponed or cancelled for any reason, and the First Winner will not be reimbursed for unused admission. The First Winner’s expenses, travel and other costs not expressly stated in the package description above are the sole responsibility of the First Winner. Restrictions, conditions and limitations may apply, including the terms and conditions that apply to the Tickets. Lost, mutilated or stolen tickets, vouchers or certificates will not be replace
b. Prize for Additional Winners. Sponsors will also select twenty (20) additional Winners (each, an “Additional Winner”, and together with the First Winner, the “Winners”) who will each receive a $250.00 NFLShop.com electronic gift card (the “Subsequent Winners’ Prize” and, together with the First Winner’s Prize, the “Prizes”). Terms and conditions of the gift card apply.
The total ARV of all Prizes is $32,060.
The odds of winning a Prize depend on the number of eligible entries received during the Sweepstakes Period. Allow 3-4 weeks after validation of arrangement for receipt of Prize. There is no substitution, cash equivalent or transfer of Prizes allowed. Winners will be solely responsible for all other expenses not specifically set forth herein. The Sponsors reserve the right to substitute Prizes of equal or greater value. No other substitution or transfer of Prizes permitted. In order to receive a Prize, a Winner may be required to provide proof of identification. THE WINNERS MUST PROVIDE ALL TRUE, COMPLETE AND ACCURATE INFORMATION REQUESTED BY THE SPONSORS TO FACILITATE THE DELIVERY OF THE PRIZES, AND BEAR ALL RESPONSIBILITY IN CONNECTION THEREWITH. All federal, state, provincial and local or other taxes on any Prize, including income and/or sales taxes, are the sole responsibility of each Winner. All entrants agree that information provided by the Sponsors is not advice, including but not limited to, tax advice or legal advice, and every entrant is advised to consult a professional, including a tax professional.
3. ELIGIBILITY: The Sweepstakes is only open to Participating Brokers who are legal residents of the 50 United States and the District of Columbia (excluding Puerto Rico and all U.S. territories and possessions) who are 18 years or older at the time of entry. Entries are limited to individuals only; commercial enterprises and business entities are not eligible. By participating in the Sweepstakes, each Participating Broker represents that s/he has read these Official Rules and unconditionally accepts and agrees to comply with and abide by these Official Rules and the decisions of the Sponsors and warrants that s/he is eligible to participate in the Sweepstakes. Failure to comply with the terms and conditions in these Official Rules will result in disqualification, and will allow the Sponsors to select an alternate Winner. SWEEPSTAKES IS VOID WHERE PROHIBITED OR RESTRICTED BY LAW and is subject to applicable federal, state and local laws and regulations.
4. SELECTION OF WINNER: On or about January 7, 2026 (the “Selection Date”), the Sponsors will randomly select the Winners. The Winners will be selected from all eligible entries received by, or postmarked by, the Sweepstakes End Date. Within three (3) business days of the Selection Date, Sponsors will contact the Broker Agency related to each selected Winner to obtain the Participating Broker’s contact information. Each Broker Agency will then have three (3) business days to provide such contact information. The Winners will be thereafter notified by telephone or email using the information the Sponsors are provided by the Broker Agency for the Winner, or the information provided on a mail-in entry postcard. The Sponsors may request certain information, including date of birth or age, from the Winners in order to confirm eligibility. The Prizes must be claimed in full. In the event that a Winner does not accept the Prize within three (3) business days of Sponsors notifying such Winner, such Winner is ineligible, or the Prize or Prize notification is not deliverable to such Winner, then an alternate Winner may be selected. The Sponsors are not responsible for and shall not be liable for late, lost, misdirected or unsuccessful efforts to notify any Winner, or any misinformation regarding the identity of a Winner provided to them by a Broker Agency. Each Winner agrees to use of name, address, likeness, and/or Prize information for promotional purposes in any medium without additional compensation to the extent permitted by law. Where lawful, a Winner may be required to sign and return a Publicity Consent and Liability Release.
5. CONDITIONS: The Sponsors and their respective agents, directors, officers, shareholders, employees, insurers, servants, parents, subsidiaries, divisions, affiliates, predecessors, successors, representatives, and legal advisors (the “Released Entities”), are not responsible for, shall not be liable for, and hereby disclaim all liability arising from or relating to: (i) late, lost, stolen, delayed, damaged, misdirected, misaddressed, incomplete, unintelligible or postage-due entries; (ii) telephone, electronic, hardware or software program, network, internet, computer or other malfunctions, failures, or difficulties of any kind, whether human or technical; (iii) failed, incomplete, garbled, or delayed computer or e-mail transmissions; (iv) any condition caused by events beyond the control of the Sponsors, including but not limited to acts of any broker agencies, their employees or other representatives; (v) any injuries, losses, or damages of any kind arising in connection with or as a result of a Prize, or acceptance, possession, or use of a Prize, or from participation in the Sweepstakes; or (vi) any printing or typographical errors in any materials associated with the Sweepstakes. The Sponsors reserve the right, in their sole discretion, to suspend, modify or cancel the Sweepstakes should any unauthorized human intervention or other causes beyond the Sponsors’ control corrupt or affect the administration, security, fairness or proper conduct of the Sweepstakes. In the event that proper administration of the Sweepstakes is prevented by such causes as contemplated above, the Sponsors will pick the Winners from all eligible, non-suspect entries received prior to such action. By participating in the Sweepstakes, Participating Brokers and Winners agree to release, discharge and hold harmless the Released Entities, and all others associated with the development and execution of the Sweepstakes, from any and all losses, damages, rights, claims and actions of any kind arising out of or relating to the Sweepstakes, participation in the Sweepstakes, the Prizes, and/or acceptance, possession, use or misuse of the Prizes, including but not limited to statutory and common law claims for misappropriation or Participating Broker’s right of publicity. This Sweepstakes shall be governed by Delaware law.
6. ARBITRATION AGREEMENT: PLEASE READ THIS SECTION CAREFULLY AS IT AFFECTS YOUR RIGHTS.
a. Agreement to Arbitrate. This Section is referred to in these Official Rules as the “Arbitration Agreement.” Participating Brokers agree that any and all disputes or claims that have arisen or may arise between Participating Brokers and Sponsors, whether arising out of or relating to these Official Rules, the Sweepstakes, a Participating Broker’s participation in the Sweepstakes, the Prizes, acceptance, possession, use or misuse of the Prizes (including any alleged breach thereof), any advertising, any aspect of the relationship between us, shall be resolved exclusively through final and binding arbitration, rather than a court, in accordance with the terms of this Arbitration Agreement, except that Participating Brokers may assert individual claims in small claims court, if such claims qualify. Further, this Arbitration Agreement does not preclude Participating Brokers from bringing issues to the attention of federal, state, or local agencies, and such agencies can, if the law allows, seek relief against us on their behalf. Participating Brokers agree that, by participating in the Sweepstakes, Participating Brokers and each Sponsor are each waiving the right to a trial by jury or to participate in a class action. Participating Brokers’ rights will be determined by a neutral arbitrator, not a judge or jury. The Federal Arbitration Act governs the interpretation and enforcement of this Arbitration Agreement.
b. Prohibition of Class and Representative Actions and Non-Individualized Relief. PARTICIPATING BROKERS AND EACH SPONSOR AGREE THAT EACH OF THEM MAY BRING CLAIMS AGAINST THE OTHER ONLY ON AN INDIVIDUAL BASIS AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE ACTION OR PROCEEDING. UNLESS BOTH PARTICIPATING BROKERS AND SPONSORS AGREE OTHERWISE, THE ARBITRATOR MAY NOT CONSOLIDATE OR JOIN MORE THAN ONE PERSON’S OR PARTY’S CLAIMS AND MAY NOT OTHERWISE PRESIDE OVER ANY FORM OF A CONSOLIDATED, REPRESENTATIVE, OR CLASS PROCEEDING. ALSO, THE ARBITRATOR MAY AWARD RELIEF (INCLUDING MONETARY, INJUNCTIVE, AND DECLARATORY RELIEF) ONLY IN FAVOR OF THE INDIVIDUAL PARTY SEEKING RELIEF AND ONLY TO THE EXTENT NECESSARY TO PROVIDE RELIEF NECESSITATED BY THAT PARTY’S INDIVIDUAL CLAIM(S).
c. Pre-Arbitration Dispute Resolution. Sponsors are always interested in resolving disputes amicably and efficiently, and most concerns can be resolved quickly and to the Participating Broker’s satisfaction by emailing legal@forwardfinancing.com. If such efforts prove unsuccessful, a party who intends to seek arbitration must first send to the other, by certified mail, a written Notice of Dispute (“Notice”). The Notice to Sponsors should be sent to Forward Financing LLC and Forward Financing USA, LLC, 53 State Street, 20th Floor, Boston, MA 02109 (“Notice Address”). The Notice must (i) describe the nature and basis of the claim or dispute and (ii) set forth the specific relief sought. If Sponsors and the Participating Broker(s) do not resolve the claim within sixty (60) calendar days after the Notice is received, Participating Brokers or Sponsors may commence an arbitration proceeding. During the arbitration, the amount of any settlement offer made by Sponsors or Participating Brokers shall not be disclosed to the arbitrator until after the arbitrator determines the amount, if any, to which Participating Brokers or Sponsors are entitled.
d. Arbitration Procedures. Arbitration will be conducted by a neutral arbitrator in accordance with the American Arbitration Association’s (“AAA”) Commercial Arbitration rules and procedures, (collectively, the “AAA Rules”), as modified by this Arbitration Agreement. For information on the AAA, please visit its website, http://www.adr.org. Information about the AAA Commercial Arbitration Rules and fees can be found at the AAA’s commercial arbitration page, https://www.adr.org/rules-forms-and-fees/commercial/. If there is any inconsistency between any term of the AAA Rules and any term of this Arbitration Agreement, the applicable terms of this Arbitration Agreement will control unless the arbitrator determines that the application of the inconsistent Arbitration Agreement terms would not result in a fundamentally fair arbitration. The arbitrator must also follow the provisions of these Official Rules as a court would. All issues are for the arbitrator to decide, including, but not limited to, issues relating to the scope, enforceability, and arbitrability of this Arbitration Agreement. Although arbitration proceedings are usually simpler and more streamlined than trials and other judicial proceedings, the arbitrator can award the same damages and relief on an individual basis that a court can award to an individual under these Official Rules and applicable law. Decisions by the arbitrator are enforceable in court and may be overturned by a court only for very limited reasons.
Unless Sponsors and Participating Brokers agree otherwise, any arbitration hearings will take place in a reasonably convenient location for both parties, or virtually, with due consideration of their ability to travel and other pertinent circumstances. If the parties are unable to agree on a location, the determination shall be made by AAA. If the Participating Brokers’ claim is for $10,000 or less, Sponsors agrees that Participating Brokers may choose whether the arbitration will be conducted solely on the basis of documents submitted to the arbitrator, through a telephonic hearing, or by an in-person hearing as established by the AAA Rules. If Participating Brokers’ claim exceeds $10,000, the right to a hearing will be determined by the AAA Rules. Regardless of the manner in which the arbitration is conducted, the arbitrator shall issue a reasoned written decision sufficient to explain the essential findings and conclusions on which the award is based.
e. Costs of Arbitration. Payment of all filing, administration, and arbitrator fees (collectively, the “Arbitration Fees”) will be governed by the AAA Rules, unless otherwise provided in this Arbitration Agreement. If the value of the relief sought is $75,000 or less, at the Participating Broker’s request, Sponsors will pay all Arbitration Fees. If the value of relief sought is more than $75,000 and Participating Brokers are able to demonstrate to the arbitrator that Participating Brokers are economically unable to pay their portion of the Arbitration Fees or if the arbitrator otherwise determines for any reason that Participating Brokers should not be required to pay their portion of the Arbitration Fees, Sponsors will pay their portion of such fees. In addition, if the Participating Broker demonstrates to the arbitrator that the costs of arbitration will be prohibitive as compared to the costs of litigation, Sponsors will pay as much of the Arbitration Fees as the arbitrator deems necessary to prevent the arbitration from being cost-prohibitive.
f. Confidentiality. All aspects of the arbitration proceeding, and any ruling, decision, or award by the arbitrator, will be strictly confidential for the benefit of all parties.
g. Severability. If a court or the arbitrator decides that any term or provision of this Arbitration Agreement other than Section 6(b) above is invalid or unenforceable, the parties agree to replace such term or provision with a term or provision that is valid and enforceable and that comes closest to expressing the intention of the invalid or unenforceable term or provision, and this Arbitration Agreement shall be enforceable as so modified. If a court decides that any of the provisions of Section 6(b) is invalid or unenforceable, then the entirety of this Arbitration Agreement shall be null and void. The remainder of these Official Rules will continue to apply.
7. WINNERS LIST: To obtain the first name, last initial, city and state of the Winners after the Sweepstakes End Date, send a separate self-addressed, stamped envelope marked “Forward Champion Challenge Sweepstakes Winners List” to the Sponsors at the address set forth in Section Requests for winners list must be received no later than ninety (90) days from the Sweepstakes End Date (residents of Vermont and Washington need not include return postage). All Winners consent to release of information as set forth in this Section 7.
8. SWEEPSTAKES SPONSORS:
Forward Financing LLC and Forward Financing USA, LLC
53 State Street, 20th Floor
Boston, MA 02109
Attn: Forward Champion Challenge Sweepstakes
9. NOTICE: The Sponsors reserve the right to prosecute and seek damages against any individual who attempts to deliberately undermine the proper operation of the Sweepstakes in violation of these Official Rules and/or criminal and/or civil law.
10. Copyright © 2025, Forward Financing LLC and Forward Financing USA, LLC. All rights reserved. Forward Financing and the associated logos are trademarks of Sponsors. Any other trademarks in these Official Rules are used for Prize identification purposes ONLY and are the properties of their respective owners.
11. DISCLAIMER: The National Football League (“NFL”), its member professional football clubs, NFL Ventures, Inc., NFL Ventures, L.P., NFL Properties LLC, NFL Enterprises LLC, NFL Productions LLC, and NFL International LLC and each of their respective owners, subsidiaries, affiliates, shareholders, officers, directors, agents, representatives and employees (collectively, the “NFL Entities”) will have no liability or responsibility for any claim arising in connection with participation in this Sweepstakes or any Prize awarded. The NFL Entities have not offered or sponsored this Sweepstakes in any way.