2. ELIGIBILITY: The Visa Checkout 5 Golden Pins Sweepstakes ("Sweepstakes") is open to legal residents of the fifty United States and District of Columbia, age 18 or older as of 12/8/14 ("Eligible Participant"). Void in Puerto Rico and where prohibited. Employees of Visa U.S.A. Inc. ("Sponsor"), Visa Inc., Visa International Service Association and their respective parents, successors, affiliates, subsidiaries, trustees, and client financial institutions, prize suppliers, and advertising and promotion agencies, Tenthwave Digital LLC, and each of their respective agents, representatives, officers, directors, shareholders, employees, (altogether, the "Releasees"), and each of their immediate family members (spouse, parents, children, siblings, and their respective spouses, regardless of where they live) and individuals living in the same households of each of these individuals, whether related or not, of the above are not eligible to enter or win. Sweepstakes is subject to all applicable federal, state, and local laws. U.S. law governs this Sweepstakes.
  3. SWEEPSTAKES TIMING: The Sweepstakes begins at 12:00:00 AM Pacific Time ("PT") on 12/8/14, and ends at 11:59:59 PM Pacific Time ("PT") on 1/2/15 ("Promotional Period"). One (1) Grand Prize, one (1) First Prize, one (1) Second Prize, one (1) Third Prize and one (1) Fourth Prize will be awarded in a random drawing from among all eligible entries received and combined during the Promotional Period.
  4. TO ENTER: There are three (3) ways to enter: 1) Create A New Visa Checkout Account - Automatic Entry: You will automatically receive one (1) Sweepstakes entry when you create an account with Visa Checkout ("Program") by going to ("Program Site"), and clicking on the "Create Account" button. Follow the instructions to create an account and add an eligible Visa card during the Promotional Period. Accounts created before the Promotional Period are not eligible for automatic entry. Visa Checkout accounts created through merchant websites are not eligible. Users with existing Visa Checkout accounts can enter the Sweepstakes via Entry Method #3 below. Certain restrictions, limitations, and conditions may apply. For Visa Checkout Terms of Service, go to An Eligible Participant is deemed to have successfully created a Visa Checkout account after the Eligible Participant completes the online account form on the Program Site including first name, last name, user name and password and checks the boxes confirming that they have read and agree to the Terms of Service, Privacy Policy and Visa Checkout Electronic Communication Policy. A Visa card is deemed to be successfully added to the Visa Checkout account after the Eligible Participant provides their 16-digit eligible Visa card number, expiration date, security code, name on the card, address, city, state, zip and phone number and receives a pop-up on the Program Site confirming the eligible Visa card is added. Creating a Visa Checkout account is free. To add an eligible Visa card and participate in the Program, you are required to provide true, accurate and complete information about yourself as prompted by the account form. If Sponsor has reasonable grounds to suspect that the information you provided on the online form is untrue, inaccurate or incomplete, Sponsor may suspend or terminate your membership in the Program and Sponsor may void any Sweepstakes entries accrued. New Visa Checkout Account Automatic entries must be received by 11:59:59 PM PT on 1/2/15 in order to be eligible. 2) Entry without creating a Visa Checkout Account (via U.S. Mail): To enter by U.S. Mail without creating a Visa Checkout account, hand-print your complete name, address, city, state, ZIP code, email address and daytime and evening telephone numbers (including area code) on a 3" x 5" card, and mail, in a #10 envelope with postage affixed, to: Visa Checkout 5 Golden Pins Sweepstakes, P.O. Box 918, Plainview, NY 11803-0918. Mail-in entries must be postmarked by 1/2/15 and received by 1/9/15 in order to be eligible. Each mail-in entry will must be mailed in a separate postmarked-and-stamped envelope. Proof of mailing does not constitute proof of delivery. 3) Existing Visa Checkout Account - Automatic Entry: If you have an existing Visa Checkout account with an eligible Visa card added to the account and you wish to enter the Sweepstakes, go to and click on the "Already have a Visa Checkout account" entry link. You will then be required to follow the instructions and submit the email address connected to your existing Visa Checkout account to receive one (1) entry. Existing Visa Checkout Account Automatic entries must be received by 11:59:59 PM PT on 1/2/15 in order to be eligible. Limit one (1) entry per person/per email address throughout the Promotional Period, regardless of method of entry.

    Regardless of entry method, entries that have been generated by a script, macro, bot or any other automated means will be deemed void. Entries that are mechanically reproduced, copied, illegible, incomplete, or inaccurate and entries by any means which subvert the entry process are void. Incomplete entries or entries not complying with these Official Rules are subject to disqualification, at the Sponsor's sole discretion. Entries become the property of the Sponsor and will not be acknowledged or returned.
  5. DETERMINATION OF WINNERS: One (1) potential Grand Prize winner, one (1) potential First Prize winner, one (1) potential Second Prize winner, one (1) potential Third Prize winner and one (1) potential Fourth Prize winner will be selected in a random drawing from among all eligible automatic and mail-in entries received and combined on 1/16/15. The random drawing will be conducted by Tenthwave Digital LLC, an independent judging organization ("Judge"). Judges' and Sponsor's decisions are final and binding on matters relating to this Sweepstakes. Potential winners will be notified by overnight or U.S. mail and/or email on or about 1/23/15. Potential winners will be required to sign an affidavit of eligibility/liability release, a publicity release where legal, and federal and state tax releases, and return these documents, properly executed, via fax, within 48 hours of notification and via U.S. Mail within 5 days of date of issuance of notification. Non-compliance within this time frame and/or with these Official Rules, Sponsor's inability to contact a potential winner within a reasonable time period, or a prize notification returned as undeliverable will result in such potential winner's disqualification and, at Sponsor's discretion, the applicable prize may be awarded to a potential alternate winner. If an entrant participated via a Visa Checkout Automatic method of entry, his/her Visa Card must be added to their Program membership at the time of the random drawing to be eligible.
  6. ODDS: The odds of winning a prize depend upon the total number of eligible entries received during the Promotional Period.
  7. PRIZES:One (1) Grand Prize: A 5-day/4-night trip for two (2) people (winner and 1 guest) to the "City of Lights" presented by Orbitz. Prize includes roundtrip, coach air transportation for two (2) people from a major U.S. gateway airport nearest the winner's home to Paris, France, hotel accommodations (one (1) room, double occupancy), $2,000 awarded as a check which may be used toward trip incidentals, two (2) general admission tickets to the Musee d'Orsay, two (2) general admission tickets to the Musee du Louvre, an Eiffel Tower Tour, and a Seine River Cruise. Grand Prize will also include $4,500 cash for winner only (awarded in the form of a check) that can be used toward the payment of taxes associated with the prize. Approximate Retail Value ("ARV") of Grand Prize: $14,500. One (1) First Prize: A Luxe Makeover by Neiman Marcus including a 3-day/2-night trip for two (2) people (winner and 1 guest) to Halcyon Days Salon & Spa at Neiman Marcus in Dallas, TX. Prize includes Prize includes roundtrip, coach air transportation for two (2) people from a major U.S. gateway airport nearest the winner's home to Dallas, TX, hotel accommodations (one (1) room, double occupancy), car rental for 3-days (awarded as a check), spa reservations at Halcyon Days Salon & Spa at Neiman Marcus for winner and guest (exact packages to be determined by Sponsor), $500 Visa gift card (for winner only), and $2,000 Neiman Marcus Shopping Spree (awarded as a Neiman Marcus gift card for winner only). First Prize will also include $3,600 cash for winner (awarded in the form of a check) that can be used toward the payment of taxes associated with the prize. ARV of First Prize: $11,600. One (1) Second Prize: Home Entertainment System from Newegg including a Samsung curved 65" HDTV and Bose® Lifestyle® Home Theater System. Second Prize will also include $2,500 cash for winner (awarded in the form of a check) that can be used toward the payment of taxes associated with the prize. ARV of Second Prize: $8,000. One (1) Third Prize: Gap® $5,000 Shopping Spree including Gap® Gift Cards worth $5,000. Third Prize will also include $2,250 cash for winner (awarded in the form of a check) that can be used toward the payment of taxes associated with the prize. ARV of Third Prize: $7,250. One (1) Fourth Prize: 12 Bottle Silent Wine Refrigerator, set of 16 wine glasses and corkscrew preserver and pourer set from Wine Enthusiast. Fourth Prize will also include $935 cash for winner (awarded in the form of a check) that can be used toward the payment of taxes associated with the prize. ARV of Fourth Prize: $3,010. Total ARV of all prizes: $44,360.

    No substitutions, cash equivalents, or transfer of prize permitted except at the sole discretion of the Sponsor, who reserves the right to substitute the prize (or portion thereof) with one of equal or greater value, except as otherwise provided herein. Any and all other costs and expenses associated with prize acceptance and use not specifically stated within these Official Rules as being provided, are the sole responsibility of the winners, including, without limitation, all federal, state, and local taxes, and if the First Prize winner or Second Prize winner any additional transportation and meals, luggage fees, gratuities, and souvenirs. If any prize winner is at least 18 but still considered a minor in his/her state or place of residence, prize may be awarded in the name of his/her parent or legal guardian, who will be responsible for fulfilling all requirements imposed on winner as set forth herein. Such parent or legal guardian may also be required to accompany minor winner on trip (if the First Prize winner or Second Prize winner). Terms & conditions apply to any gift cards awarded. Prize details are at Sponsor's sole discretion. A background check of winners and/or First Prize and Second Prize guest may be required for admission to certain scheduled activities. Any and all guarantees and warranties on merchandise prizes are subject to the manufacturers' terms and conditions, and winners agree to look solely to such manufacturers for any such warranty or guarantee claim. In the event that the Fourth Prize winner is under the age of 21 at time of prize notification, a cash alternative of $3,010 will be awarded in lieu of the prize indicated above.

    Grand Prize and First Prize Travel Restrictions
    Actual value of trip depends upon the city of departure, time of travel, any airfare fluctuations and or current market conditions at time of prize fulfillment, and any difference between the stated ARV and the actual value if any, will not be awarded. Winner must complete travel within one (1) year of prize notification. Winner must confirm available travel dates and flight times selected by Sponsor at least four (4) weeks prior to travel dates. Sponsor reserves the right to change dates for trip. Guest of winner must be of legal age of majority in his/her jurisdiction of residence (and at least 18) unless a child or legal ward of winner. Winner and guest must sign a travel release prior to traveling. Trip prize is subject to air/hotel availability and other conditions and restrictions. If winner lives within 100 miles of the destination city, the air transportation portion of trip will not be awarded and ground transportation will be substituted and no additional compensation or substitution will be provided. Airline/flight times to be selected by Sponsor at its sole discretion; one or more stopovers may be required. Winner and his/her guest must travel together at the same time on the same itinerary. Air transportation and hotel accommodations must be taken together and cannot be taken separately. Once trip has been booked, no change, extension or substitution of trip dates is permitted except by Sponsor, in its sole discretion. Sponsor will not replace any lost or stolen tickets, travel vouchers or similar items once they are in a winner's possession or in the possession of a guest. Releasees shall not be responsible for any cancellations, delays, diversions, substitutions, or any acts or omissions whatsoever by the air carriers, hotels, or other transportation companies or any other persons providing any of these services and accommodations to passengers, including any results thereof, such as changes in services or accommodations necessitated by same. Prize conditions may be added or modified by companies providing those portions of the prize. The prize restrictions/conditions stated herein are not all-inclusive and may be subject to additional restrictions/conditions, which may be stated in the affidavit and release and/or prize travel documents. Winner and guest are responsible for obtaining travel documents including passports as well as travel insurance (and all other forms of insurance), that they may wish to obtain for the trip (at their own expense) and hereby acknowledge that the Releasees have not and will not obtain or provide travel insurance or any other form of insurance for the trip. Winner and guest must arrive at the designated U.S. gateway airport in time for the flight. If any portion of prize or any other event or activity is unable to take place as planned for any reason, including but not limited to, cancellation, scheduling conflicts, lockout, labor dispute, strike, inclement weather, or an event of force majeure, the remaining components of the prize will be awarded and Sponsor's obligation to the winner will be fulfilled, and no other additional compensation or substitution will be provided for the trip.
  8. CONDITIONS OF PARTICIPATION:By entering, entrants agree to be bound by these Official Rules, including all eligibility requirements and the decisions of the Sponsor and judges, which are final and binding. By accepting a prize, a winner consents to the use of his/her name, image, likeness, photograph, voice, and biographical material for advertising, publicity, and promotional purposes by Sponsor, in any and all media now or hereafter devised, including but not limited to, any online announcements, worldwide in perpetuity, without additional compensation, notification, or permission, except where prohibited by law. Entrants release and hold harmless Releasees from any claims, actions, injury, loss, or damage of any kind, including but not limited to, personal injury or death, resulting, directly or indirectly, in whole or in part, from participating in this Sweepstakes or from the acceptance, possession, or use or misuse of any prize (including any travel/activity related thereto). 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 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 but not limited to, the implied warranties of merchantability, title, and fitness for a particular purpose), in fact or in law, relative to the Sweepstakes.
  9. GENERAL: If an entrant enters the Sweepstakes solely by mail, without creating an account in the Program, Sponsor will collect information from the entrant solely for the purpose of the prize drawing and to notify winners. Sponsor will not share this information with any third party, except as necessary for the administration of the Sweepstakes, nor attempt to contact entrant, unless entrant has agreed to receive further information on Sponsor's products and promotions. If an entrant receives an automatic Sweepstakes entry for creating an account in the Program and adding a Visa card, Sponsor will collect information from such information for the purpose of the prize drawing, to notify the potential winner and as necessary for the administration of the Sweepstakes. See the Program Policies for further details about Sponsor's use of your information in connection with the Program. Releasees are not responsible for lost, late, illegible, misdirected, inaccurate, incomplete, undelivered, damaged, delayed, garbled, postage-due, or stolen mail, entries, and accounts; for accounts that are lost, misdirected, or fail to enter into the processing system, or are processed, reported, or transmitted late or incorrectly; or for any other errors or problems of any kind, whether typographical, printing, mechanical, human, electronic, or otherwise, relating to or in connection with the Sweepstakes, including, without limitation, any error or problem that may occur in connection with the administration of the Sweepstakes, the processing of entries, the announcement of the prizes, the cancellation or postponement of the trip, or any trip related event, winner's inability to participate in the trip, or in any Sweepstakes-related materials. Sponsor reserves the right to conduct a background check of any and all records of a potential winner, including, without limitation, civil and criminal court records and police reports, and entry in the Sweepstakes constitutes entrant's permission for Sponsor to conduct such background check, provided that, to the extent additional authorization is necessary under law, potential winner shall authorize such check. Sponsor reserves the right (at its sole discretion) to disqualify a potential winner based on the results of the background check or failure to properly authorize such check. Entry materials that have been tampered with or altered are void. Sponsor reserves the right, in its sole discretion, to cancel or suspend part or all of this Sweepstakes at any time without notice and for any reason including, if in the judges' opinion if there is any suspected or actual evidence of electronic or non-electronic tampering with any portion of the Sweepstakes, or if virus, bugs, non-authorized human intervention or other causes corrupt or impair the administration, security, fairness, or integrity and proper play of the Sweepstakes. In the event of cancellation, Sponsor may void any entries it suspects are at issue and, at its discretion, if terminated, award prizes in a random drawing from among all non-suspect, eligible entries received up to the date of cancellation. Caution: Any attempt by an entrant or any other individual to 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, the Sponsor reserves the right to seek any and all remedies available from any such person to the fullest extent permitted by law, including criminal prosecution. Sponsor's failure to enforce any term of these Official Rules shall not constitute a waiver of that or any other provision. Sponsor reserves the right to disqualify entrants who violate these Official Rules or interfere with this Sweepstakes in any manner. If an entrant is disqualified, Sponsor reserves the right to terminate that entrant's eligibility to participate in the Sweepstakes.
  10. DISPUTES: Except where prohibited, all issues/questions concerning the construction, validity, interpretation, and enforceability of these Official Rules, or the rights and obligations of the entrant and Sponsor in connection with the Sweepstakes, shall be governed by, and construed in accordance with, the laws of the State of California, without giving effect to any choice of law or conflict of law rules (whether of the State of California or any other jurisdiction) that would cause the application of the laws of any jurisdiction other than the State of California. Jurisdiction and venue shall be solely within the State of California.
  11. ARBITRATION: Except where prohibited by law, as a condition of participating in this Sweepstakes, participant agrees that (1) any and all disputes and causes of action arising out of or connected with this Sweepstakes, or any prizes awarded, shall be resolved individually, without resort to any form of class action, and exclusively by final and binding arbitration under the rules of the American Arbitration Association and held at the AAA regional office nearest the participant; (2) the Federal Arbitration Act shall govern the interpretation, enforcement and all proceedings at such arbitration; and (3) judgment upon such arbitration award may be entered in any court having jurisdiction. Under no circumstances will participant be permitted to obtain awards for, and participant hereby waives all rights to claim, punitive, incidental or consequential damages, or any other damages, including attorneys' fees, other than participant's actual out-of-pocket expenses (i.e., costs associated with participating in this Sweepstakes), and participant further waives all rights to have damages multiplied or increased.
  12. WINNERS' NAMES: For the names of the winners, available after 1/31/15, mail a self-addressed stamped envelope by 1/31/15, to: Visa Checkout 5 Golden Pins Sweepstakes Winners, P.O. Box 997, Plainview, NY 11803-0997.
  13. SPONSOR & ADMINISTRATOR: Sponsor: Visa USA Inc., P.O. Box 8999, San Francisco, CA 94128-8999. Administrator: Tenthwave Digital LLC, 35 Pinelawn Road, Suite 207W, Melville, NY 11747.