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"Triple Your Refund" Sweepstakes
OFFICIAL RULES

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

DATES OF THE SWEEPSTAKES: The "Triple Your Refund" Sweepstakes (the "Sweepstakes") begins at 12:00 AM (Eastern Time ["ET"]) on January 15, 2016 and ends at 11:59 PM ET on April 29 2016 (the "Sweepstakes Period").

ELIGIBILITY: To enter the Sweepstakes, you must be a lawful permanent resident in one (1) of the fifty (50) United States or the District of Columbia, eighteen (18) years of age or older with a valid Social Security number and must not be considered a minor in your state of residence (the "Entrant"). Employees of AccountNow® Inc. (the "Sponsor") and their affiliated companies, parents, subsidiaries, and advertising and promotion agencies, including, but not limited to National Sweepstakes Company, LLC (the "Sweepstakes Administrator"), herein (collectively, "Sweepstakes Entities"), and any service partners, as well as The Bancorp Bank, MetaBank® MasterCard® International Inc. and Visa® U.S.A. Inc. (collectively, the "Releasees") and their immediate families (i.e. parents, children, siblings, spouse) and members of their households (whether related or not) are ineligible to participate in this Sweepstakes. Sweepstakes is void in Puerto Rico, U.S. territories and possessions, outside of the United States, and where restricted or prohibited by law. By entering, Entrants agree to be bound by these Official Rules, including all eligibility requirements and the decisions of the Sponsor, which are final and binding.

HOW TO ENTER: There are three (3) ways to receive entries into the Sweepstakes. Regardless of the method of entry, there is a limit of ten (10) entries per Entrant for the entire Sweepstakes Period.

1.  INITIAL ENTRY:
Tax Refund Direct Deposit Entry: Make a qualifying electronic direct deposit of a FEDERAL or STATE tax refund of $10 or more during the Sweepstakes Period to your AccountNow Gold Visa Prepaid Card or AccountNow Prepaid Visa or MasterCard (each, a "Card") and receive one (1) initial entry (an "Initial Entry") for each such qualifying direct deposit. For example, an Entrant making FEDERAL and STATE tax refund electronic direct deposits on April 2, 2016, will receive two (2) Initial Entries into the Sweepstakes. PayPal transfers, loan transfers, balance transfers, payroll direct deposits, and government benefit direct deposits do not qualify and will not be eligible as Initial Entries. PLEASE NOTE: A qualifying electronic deposit of a FEDERAL or STATE tax refund is dependent upon the date on which the qualifying electronic deposit has been posted to the respective Card account. In order to qualify as an Initial Entry, the eligible electronic deposit of a FEDERAL or STATE tax refund must be posted to the respective Card account by 11:59 PM ET on April 29, 2016. A direct deposit of a tax refund posted to the respective Card account after 11:59 PM ET on April 29, 2016 will not be considered an Initial Entry. Each qualifying electronic direct deposit will be assigned a unique Initial Entry number. There is a limit of two (2) Initial Entries per Entrant for the entire Sweepstakes Period.
2.  BONUS ENTRIES:
Additional Direct Deposit/Cash Load Deposit Entry: If you have followed the steps above and received up to two (2) Initial Entries, you may make qualifying direct deposits or cash load deposits of $10 or more (each, an "Additional Qualifying Deposit") during the Sweepstakes Period to your Card and receive one (1) bonus entry (a "Bonus Entry") for each Additional Qualifying Deposit. For example, an Entrant making FEDERAL and STATE tax refund electronic direct deposits on April 2, 2016, will receive two (2) Initial Entries into the Sweepstakes. Then, if the Entrant makes an Additional Qualifying Deposit on April 4, 2016, he/she will receive one (1) Bonus Entry. The Entrant will then have a total of three (3) entries into the Sweepstakes. If the Entrant makes an Additional Qualifying Deposit on April 7, 2016, he/she will receive a Bonus Entry for the Additional Qualifying Deposit and will have a total of four (4) entries.

Entrant must be a valid Card holder in order to enter via Tax Refund Direct Deposit Entry (Initial Entry) or by Additional Direct Deposit Entry ("Bonus Entry or “Bonus Entries").

3.  TO ENTER WITHOUT A DIRECT DEPOSIT OR CASH LOAD DEPOSIT:
Mail-in Entry: To enter without making a Direct Deposit or Cash Load Deposit, on a plain 3" x 5" card, legibly print or type your name, age, complete address, city, state, zip code, home phone number (including area code), and email address (if any). Then, mail your 3" x 5" card in a postage-affixed sealed envelope to: "Triple Your Refund" Sweepstakes, P.O. Box 10730, Rochester, NY 14610. Mail-in entries must be postmarked by May 2, 2016 and be received by May 9, 2016. No mechanically or programmatically reproduced entries are permitted. One (1) entry per envelope. Neither the Sponsor nor the Sweepstakes Administrator will verify receipt of entries for Entrants. All entries submitted become the sole property of Sponsor and will not be returned. Sponsor is not responsible for late, misdirected, illegible, or damaged mailed entries.

Limit of ten (10) entries per Entrant for the entire Sweepstakes Period, regardless of method of entry.

In the event of uncertainty as to the identity of an Entrant, that Entrant will be disqualified.

RANDOM DRAWING/ODDS OF WINNING: On or about May 16, 2016, one (1) grand prize winner (the "Grand Prize Winner") will be selected in a random drawing conducted under the supervision of the Sweepstakes Administrator, an independent judging organization, whose decisions are based on their sole discretion and interpretation of these Official Rules, and are final and binding in all respects. Odds of winning depend upon the total number of entries received during the Sweepstakes Period.

PRIZES:

Grand Prize: One (1) Grand Prize equivalent to the combined dollar amount of the Grand Prize Winner's qualifying electronic direct deposits of his/her FEDERAL and STATE tax refunds multiplied by two (2), with a maximum value of $15,000. If the Grand Prize winner has an open Card account, the Grand Prize will be credited to his/her Card. In the event that a Grand Prize winner does not have an open Card account, a check for $15,000 will be awarded in lieu of double the amount of his/her tax refund(s). The maximum Average Retail Value ("ARV") of the Grand Prize is $15,000. PLEASE NOTE: ONLY THE GRAND PRIZE WINNER'S STATE AND FEDERAL TAX REFUND DIRECT DEPOSIT AMOUNTS WILL DETERMINE THE FINAL GRAND PRIZE AMOUNT TO BE AWARDED. THE VALUE OF DIRECT DEPOSIT OR CASH LOAD DEPOSIT BONUS ENTRIES WILL NOT BE INCLUDED IN CALCULATING THE GRAND PRIZE.

We refer to this Sweepstakes as the "Triple Your Refund" Sweepstakes because the total amount of the tax refund plus the Grand Prize amount received by the Grand Prize Winner will yield three (3) times the amount of the Grand Prize Winner's combined FEDERAL and STATE refund, subject to a Grand Prize amount of $15,000. That is, the Grand Prize Winner receives his or her tax refund amount from the taxing authority or authorities, plus a Grand Prize of two (2) times that amount, resulting in a tripling of the amount of the Grand Prize Winner's tax refund, up to the $15,000 limit.

$500 less than triple his or her tax refund because of the $15,000 cap on the Grand Prize amount ($7,750 x 3 = $23,250; $23,250 - $22,750 = $500. The total maximum ARV of all Prizes to be awarded is $15,000.

Example 1: An Entrant makes a qualifying electronic deposit of a FEDERAL tax refund of $2,600 onto their Card and this entry is selected as the Grand Prize. The Grand Prize amount to be awarded would be calculated as follows: $2,600 X 2 = $5,200. The total of the tax refund plus the Grand Prize amount is $7,800, which is an amount equal to triple the Grand Prize Winner’s tax refund ($2,600 x 3 = $7,800.)

Example 2: An Entrant makes qualifying electronic deposits of both a FEDERAL tax refund of $2,500 and a STATE tax refund of $300 onto their Card. One (1) of the two (2) entries is selected as the Grand Prize, but the Grand Prize amount to be awarded would be based on the combined total dollar amount of the two (2) refunds, calculated as follows: $2,500 + $300 = $2,800; $2,800 x 2 = $5,600. The total sum of the tax refunds plus the Grand Prize amount is $8,400, which is an amount equal to triple the Grand Prize Winner's tax refund ($2,800 x 3 = $8,400.)

Example 3: An Entrant makes a qualifying electronic deposit of a FEDERAL tax refund of $7,750 onto their Card and this entry is selected as the Grand Prize. The Grand Prize amount to be awarded would be capped at $15,000 because two (2) times the qualifying electronic deposit amount is $15,500 which exceeds the limit for the Grand Prize. In this example, the Grand Prize Winner will receive $15,000, which is $8,250 less than triple his or her tax refund because of the $15,000 cap on the Grand Prize amount ($7,750 x 3 = $23,250; $23,250 - $15,000 = $8,250.) The total maximum ARV of all Prizes to be awarded is $15,000.

PRIZE RESTRICTIONS: The amount of the Grand Prize that, if loaded to a Grand Prize Winner's Card, would cause a Grand Prize Winner's Card balance to exceed the Card’s maximum balance limit will be awarded in the form of a check. No prize substitution, except at Sponsor’s sole discretion or as otherwise provided herein. Grand Prize is not transferable prior to award. All taxes on any Grand Prize are the sole responsibility of the Grand Prize Winner and are not transferable. Grand Prize Winner is solely responsible for all other expenses not specified herein, including but not limited to applicable taxes, Card fees, and check cashing fees.

Sponsor reserves the right to exclude from the Sweepstakes any potential Grand Prize Winner who is suspected of theft, fraud, or any criminal activity related to AccountNow or its affiliates. Entries associated with fraudulent Cards or other unauthorized use of Cards and entries associated with any similar fraudulent or inappropriate activities relating to any such Cards will be void and all such entrants may be disqualified.

NOTIFICATION/PRIZE CLAIMS: Potential Grand Prize Winner will be contacted by telephone or email within five (5) business days of the drawing date. If the Grand Prize Winner cannot be contacted within three (3) business days of the first attempt to contact him/her or the Grand Prize Winner does not respond to the email notification within the date and time indicated within such email notification, then that Grand Prize Winner will be disqualified and an alternate Grand Prize Winner will be selected through a random drawing from among all remaining eligible non-winning entries.

Once the Grand Prize Winner has been confirmed by the Sponsor, except where prohibited, the potential Grand Prize Winner must sign and return, within five (5) days of receipt, an Affidavit of Eligibility/Liability/Publicity Release and an IRS W-9 Form (the "Paperwork") in order to claim the Grand Prize. Except where prohibited by law, Grand Prize Winner's entry and acceptance of the Grand Prize constitutes permission for the Sweepstakes Entities to use said Grand Prize Winner's name, photograph, likeness, statements, biographical information and voice on a worldwide basis, and in all forms of media, in perpetuity, without further compensation. If the potential Grand Prize Winner fails to return the Paperwork within that time, or if an Entrant is found to be ineligible, or if he/she does not comply with the Official Rules, then the potential Grand Prize Winner will be disqualified and an alternate Grand Prize Winner will be selected through a random drawing by the Sweepstakes Administrator from the remaining non-winning eligible entries. If the Grand Prize notification is returned as undeliverable, this will result in disqualification and an alternate Grand Prize Winner will be selected as outlined above.

SWEEPSTAKES RULES OF PARTICIPATION: This Sweepstakes is subject to all applicable federal, state and local laws. By participating, Entrants agree to be bound by these Official Rules and the decisions of the Sponsor and waive any right to claim ambiguity in the Sweepstakes or these Official Rules. Sweepstakes Entities are not responsible for lost, late, misdirected, undeliverable, illegible, or incomplete entries, whether due to system errors or failures, faulty transmissions or other telecommunications malfunctions, entries not received resulting from any hardware or software failures of any kind, lost or unavailable network connections, failed, incomplete or garbled computer or telephone transmissions, typographical or system errors and failures, faulty transmissions, technical malfunctions, or otherwise. Sponsor may prohibit an Entrant from participating in the Sweepstakes or winning a Grand Prize if, in its sole discretion, it determines that said Entrant is attempting to undermine the legitimate operation of the Sweepstakes by cheating, hacking, deception, or other unfair playing practices (including the use of automated quick entry programs) or intending to annoy, abuse, threaten or harass any other Entrants, Sponsor, or Sweepstakes Entities. If for any reason this Sweepstakes is not able to be conducted as planned, including, but not limited to, by reason of infection by computer virus, bugs, tampering, unauthorized intervention, fraud or any other causes beyond the reasonable control of Sponsor or the Sweepstakes Administrator which corrupt or affect the administration, security, fairness, integrity or proper conduct of the promotion, then Sponsor reserves the right at its sole discretion to cancel, terminate, modify or suspend the Sweepstakes and randomly draw from those entries received up to the cancellation/suspension date. CAUTION: ANY ATTEMPT BY A PERSON TO DELIBERATELY DAMAGE OR UNDERMINE THE LEGITIMATE OPERATION OF THE SWEEPSTAKES 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 PERSON TO THE FULLEST EXTENT OF THE LAW, INCLUDING CRIMINAL PROSECUTION.

NO LIABILITY: By entering, Entrants and Grand Prize Winner agree to comply with all Official Rules, as stated and agree to release, discharge, indemnify and hold harmless the Sponsor, its affiliates, and their respective agents, representatives, officers, directors, shareholders, and employees, including the aforementioned Releasees in the "ELIGIBILITY" section above, (now collectively defined as the "Releasees") from any claims, actions, injury, loss or damage of any kind, including, without limitation, personal injury or death, resulting, directly or indirectly, in whole or in part, from participating in this Sweepstakes or form the acceptance, possession, or use or misuse of a Grand Prize. This limitation of liability is a comprehensive limitation of liability that applies to all damages of any kind, including, without limitation, compensatory, direct, indirect, or consequential damages; loss of data, income or profit; loss of or damage to property; and claims of third parties. Entrants agree that Releasees have not made nor are in any manner responsible or liable for any warranty, representation, or guarantee, statutory, express or implied, including, without limitation, the implied warranties of merchantability, title, and fitness for a particular purpose, in fact or in law, relative to this Sweepstakes.

WINNER'S LIST/RULE REQUEST: To receive a Grand Prize Winner list or an additional copy of these Official Rules, send a self-addressed, stamped business-size (#10) envelope to be received by June 10, 2016 to: "Triple Your Refund" Sweepstakes, P.O. Box 10505, Rochester, NY 14610. Please specify "Winner List" or "Rules Request."

PRIVACY/REMOVAL REQUEST: All identity and Card transaction information used to enter you in the Sweepstakes shall be kept confidential and secure, and will be subject to the privacy policy or policies governing your Card account. National Sweepstakes Company, LLC will not use or share your information for any reason other than to administer the Sweepstakes. To have yourself removed as an entrant in the Sweepstakes, please send your name and address on a 3" x 5" card in a postage affixed sealed envelope to "Triple Your Refund" Removal Request, 80 Rockwood Place, Rochester, NY 14610.

SWEEPSTAKES ADMINISTRATOR: This Sweepstakes is being administered by National Sweepstakes Company, LLC, 80 Rockwood Place, Rochester, NY 14610, an independent judging organization, whose decisions will be final regarding the conduct of this Sweepstakes.

SPONSOR: AccountNow, Inc., 2603 Camino Ramon Ste. 485, San Ramon, CA 94583.

This Sweepstakes shall not be published without the written permission of the Sponsor.

The AccountNow Prepaid Visa Card and AccountNow Gold Visa Prepaid Card is issued by The Bancorp Bank or MetaBank® pursuant to a license from Visa U.S.A. Inc. and can be used everywhere Visa debit cards are accepted. The AccountNow Prepaid MasterCard (Classic) is issued by MetaBank pursuant to license from MasterCard International Incorporated and may be used where Debit MasterCard is accepted. MasterCard is a registered trademark of MasterCard International Incorporated. Please see the back of your Card for its issuing bank. The Bancorp Bank and MetaBank, Members FDIC. The Bancorp Bank and MetaBank are not affiliated in any way with this Sweepstakes and do not endorse or sponsor this Sweepstakes. Card may have fees that reduce winnings.