UMB
VISA | NFL Draft Proud Sponsor

NO PURCHASE OR OBLIGATION NECESSARY TO ENTER OR WIN. Open to 50 U.S. & D.C., 18+. Void in P.R. & where prohibited. PIN-based and ATM transactions are not eligible. Ends 3/5/23. Click here for details.

Make your UMB Visa Card your top pick for a chance to go to the 2023 NFL Draft in Kansas City.

Use your UMB Visa® Card for a chance to go to the 2023 NFL Draft courtesy of Visa®.

From January 9, 2023, through March 5, 2023, every eligible purchase you make with your UMB Visa consumer credit or debit card enters you for a chance to win, courtesy of Visa.

NFL Draft tickets

More winners every week!

Each week, a different prize will be awarded to one UMB Visa cardholder. Prizes include:

  • Smartwatch
  • 65" flat-screen TV
  • Noise-cancelling headphones
  • Laptop computer
  • Smartphone
  • Much more

GRAND PRIZE PACKAGE INCLUDES:

2023 NFL Draft Package

  • Two (2) Round 1 tickets to the 2023 NFL Draft in Kansas City on Thursday, April 27, 2023
  • Hotel and airfare

NFL Tailgate Box

  • Celebrate in style with Officially Licensed NFL Gear from your favorite team, including:
    • 24-can cooler
    • Team jersey
    • Tailgate tent
    • Full-zip hoodie
    • Collapsible chair
    • Hat
    • Throw blanket
    • Water bottle

$5,000 in spending money

FIRST PRIZE PACKAGE INCLUDES:

Two (2) Round 1 tickets to the 2023 NFL Draft, hotel and airfare, and the NFL Tailgate Box.

Don't miss out on this football fan's dream package! The more you use your UMB Visa consumer credit or debit card, the more you will be entered for a chance to win, courtesy of Visa!

Tap to pay

Tap for a bonus entry.

When you make a contactless purchase using your contactless UMB Visa consumer credit or debit card, or using your UMB Visa consumer credit or debit card with a payment-enabled mobile or wearable device between January 9 and March 5, 2023, you'll receive a BONUS ENTRY for a chance to win, courtesy of Visa.

VISA® 2023 NFL® DRAFT SWEEPSTAKES FOR UMB
OFFICIAL RULES

  1. NO PURCHASE OR OBLIGATION NECESSARY TO ENTER OR WIN. NON-PURCHASE ENTRIES AND PURCHASE ENTRIES HAVE AN EQUAL CHANCE OF WINNING.
  2. ELIGIBILITY: The Visa 2023 NFL Draft Sweepstakes for UMB ("Sweepstakes") is open only to legal residents of the fifty (50) United States and the District of Columbia who are eighteen (18) years of age or older as of January 9, 2023. Commercial card eligibility is subject to employer policies regarding sweepstakes participation. Void in Puerto Rico and where prohibited. Employees of 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, NFL International LLC, NFL International Licensing, Inc. and each of their respective direct and indirect subsidiaries, affiliates, shareholders, officers, owners, directors, agents, representatives, and employees (collectively, the "NFL Entities"), Visa U.S.A. Inc. ("Visa" or "Sponsor"), Visa Inc., Visa International Service Association, and their respective parents, successors, affiliates, subsidiaries, trustees, and client financial institutions including but not limited to UMB Financial Corporation ("UMB"), prize suppliers, and advertising and promotion agencies, Don Jagoda Associates, Inc. ("Administrator"), and each of their respective agents, representatives, officers, directors, shareholders, and employees (collectively, "Releasees"), and each of their immediate family members (spouse or partner, parents, children, siblings, and their respective spouses or partners, regardless of where they live) and individuals living in the same households of each of these individuals, whether related or not, are not eligible to enter or win. Sweepstakes is subject to all applicable federal, state, and local laws. The Sweepstakes is governed by U.S. law.
  3. SWEEPSTAKES TIMING/DESCRIPTION: Begins at 12:00:00 AM Pacific Time ("PT") on January 9, 2023, and ends at 11:59:59 PM PT on March 5, 2023 ("Promotion Period"). The Sweepstakes consists of eight (8) Weekly Entry Periods, one (1) Grand Prize Entry Period, and one (1) First Prize Entry Period (each, an "Entry Period". See chart below for details.
  4. TO ENTER: There are two (2) ways to enter:
    • AUTOMATIC ENTRY: An eligible UMB Visa cardholder will automatically receive one (1) Sweepstakes entry for each eligible Visa purchase made with his/her/their UMB Visa Consumer Debit or Credit Card during the Promotion Period at a merchant location in the U.S. and processed through Visa's transaction-processing system. BONUS ENTRY: An eligible UMB Visa cardholder will automatically receive one (1) bonus Sweepstakes entry for each eligible contactless Visa purchase made using his/her/their contactless UMB Visa Consumer Debit or Credit Card or using his/her/their UMB Visa Consumer Debit or Credit Card with a payment-enabled mobile or wearable device during the Promotion Period at a merchant location in the U.S. and processed through Visa's transaction-processing system. Only eligible Visa purchases or payments made (a) with an UMB Visa Consumer Debit or Credit Card that is not in default under the customer agreement for that account and issued by a participating financial institution in the U.S. and (b) processed through Visa's transaction-processing system during the Promotion Period, are eligible for automatic entry. In the event of a dispute as to who submitted a particular cardholder entry, such entry will be deemed to be submitted by the primary person in whose name the card used to enter the Sweepstakes was issued. Account adjustment transactions/returns, cash advances, balance transfers, non-U.S.-dollar purchases, Interlink®-processed transactions, purchases authorized by entering a PIN (personal identification number), payment of late fees or over-limit fees, and Visa health and benefit cards are excluded from automatic entry. Other restrictions and exclusions may apply. UMB Visa Consumer Debit or Credit Cards, or card numbers, that are stolen, fraudulent, tampered with, or otherwise altered are not eligible for automatic entry. Automatic entries must be made within the Automatic Entry Dates indicated in the chart below to be included in that Entry Period's weekly random drawing only, and the Grand Prize and First Prize random drawings.
    • TO ENTER BY MAIL WITHOUT PURCHASE OR OBLIGATION: Hand-print your complete name, street address, city, state, ZIP code, and daytime and evening telephone numbers (including area code), and valid email address, on a plain piece of 3" x 5" paper, and mail it in a business-size (#10) envelope with sufficient postage affixed, to: Visa 2023 NFL Draft Sweepstakes for UMB, P.O. Box 7703, Melville, NY 11775-7703. Mailed entries must be postmarked within the Mailed Entry Postmark Dates indicated in the chart below, and received by the corresponding Mailed Entry Deadline Date indicated in the chart below, to be included in that Entry Period's weekly random drawing only, and the Grand Prize and First Prize random drawings. Entries will not roll over into subsequent weekly random drawings, but will roll over into the Grand Prize and First Prize random drawings. Enter as often as you wish; however, each mailed entry will count as two (2) entries into the respective weekly random drawing only, and the Grand Prize and First Prize random drawings, and must be mailed in a separate, postmarked-and-stamped envelope. Entries that are mechanically reproduced, copied, illegible, incomplete, or inaccurate and entries by any means which subvert the entry process are void. Entries become the property of the Sponsor and will not be acknowledged or returned. Incomplete entries or entries not complying with these Official Rules are subject to disqualification, at the Sponsor's sole discretion. Proof of mailing does not constitute proof of delivery.
Entry PeriodAutomatic Entry Dates/Mailed Entry Postmark DatesMailed Entry Deadline DateNumber of Prizes to be Awarded
Weekly Entry Period #1Begins 12:00:00 AM PT on January 9, 2023, and ends 11:59:59 PM PT on January 15, 2023.January 23, 20231
Weekly Entry Period #2Begins 12:00:00 AM PT on January 16, 2023, and ends 11:59:59 PM PT on January 22, 2023.January 30, 20231
Weekly Entry Period #3Begins 12:00:00 AM PT on January 23, 2023, and ends 11:59:59 PM PT on January 29, 2023.February 6, 20231
Weekly Entry Period #4Begins 12:00:00 AM PT on January 30, 2023, and ends 11:59:59 PM PT on February 5, 2023.February 13, 20231
Weekly Entry Period #5Begins 12:00:00 AM PT on February 6, 2023, and ends 11:59:59 PM PT on February 12, 2023.February 21, 20231
Weekly Entry Period #6Begins 12:00:00 AM PT on February 13, 2023, and ends 11:59:59 PM PT on February 19, 2023.February 27, 20231
Weekly Entry Period #7Begins 12:00:00 AM PT on February 20, 2023, and ends 11:59:59 PM PT on February 26, 2023.March 6, 20231
Weekly Entry Period #8Begins 12:00:00 AM PT on February 27, 2023, and ends 11:59:59 PM PT on March 5, 2023.March 13, 20231
 
Grand Prize Entry PeriodBegins 12:00:00 AM PT on January 9, 2023, and ends 11:59:59 PM PT on March 5, 2023.March 13, 20231
First Prize Entry PeriodBegins 12:00:00 AM PT on January 9, 2023, and ends 11:59:59 PM PT on March 5, 2023.March 13, 20231
  1. DETERMINATION OF WINNERS/WINNER NOTIFICATION: Eight (8) weekly random drawings will be conducted on or about March 27, 2023, to select eight (8) potential Weekly Prize winners (one (1) Weekly Prize winner per Entry Period) from among all eligible automatic and mailed entries received within the dates indicated in the chart above for that Entry Period. One (1) potential Grand Prize winner and one (1) potential First Prize winner will be selected in a separate random drawing on or about March 27, 2023, from among all eligible automatic entries and mailed entries received overall during the Promotion Period. Random drawings will be conducted under the direction of the Administrator ("Judge"), an independent judging organization. Judge's and Sponsor's decisions are final and binding on matters relating to this Sweepstakes. Potential winners will be notified by telephone and/or email within five (5) days of random drawing date. Potential winners will be required to verify their eligibility by digitally completing and securely signing a Declaration of Compliance, Liability Waiver, and a publicity release where legal (collectively, the "Declaration"), and submit the Declaration to Administrator via DocuSign within forty-eight (48) hours of notification. Non-compliance within this time frame and/or with these Official Rules; Sponsor's inability to contact potential winners within a reasonable time period; or prize or prize notification returned as undeliverable will result in such potential winner's disqualification and, at Sponsor's discretion, the prize may be awarded to a potential alternate winner. Limit one (1) prize per household.
  2. ODDS: Estimated odds of winning a Weekly Prize are 1 in 185,468; estimated odds of winning the Grand Prize are 1 in 1,483,746; estimated odds of winning the First Prize are 1 in 1,483,746; however, the actual odds of winning depend upon the total number of eligible entries received for each Entry Period.
  3. PRIZES & APPROXIMATE RETAIL VALUE ("ARV"):

    One (1) Weekly Entry Period #1 Weekly Prize: One (1) Visa NFL Gift Box including one (1) Sponsor-specified noise cancelling headphones, one (1) NFL-branded football, and one (1) each of the following officially licensed gear from NFLShop.com in winner's choice of NFL team (subject to availability): embroidered adjustable hat, full-zip hoodie, jersey, 32 oz. water bottle, plush throw blanket, 9' x 9' tailgate instant canopy tent with matching carrying bag, outdoor folding chair with matching carrying bag, 24-can polyester cooler with removeable shoulder strap (collectively, the "Weekly Entry Period #1 Prize"). In addition to the Weekly Prize, $415 cash will be awarded in the form of a check to winner that can be used toward the payment of income taxes associated with the Weekly Prize. ARV of Weekly Entry Period #1 Prize: $1,677.

    One (1) Weekly Entry Period #2 Weekly Prize: One (1) Visa NFL Gift Box including one (1) Sponsor-specified smartwatch, one (1) NFL-branded football, and one (1) each of the following officially licensed gear from NFLShop.com in winner's choice of NFL team (subject to availability): embroidered adjustable hat, full-zip hoodie, jersey, 32 oz. water bottle, plush throw blanket, 9' x 9' tailgate instant canopy tent with matching carrying bag, outdoor folding chair with matching carrying bag, 24-can polyester cooler with removeable shoulder strap (collectively, the "Weekly Entry Period #2 Prize"). In addition to the Weekly Prize, $475 cash will be awarded in the form of a check to winner that can be used toward the payment of income taxes associated with the Weekly Prize. ARV of Weekly Entry Period #2 Prize: $1,917.

    One (1) Weekly Entry Period #3 Weekly Prize: One (1) Visa NFL Gift Box including one (1) Sponsor-specified flat-screen 65" LED Smart TV, one (1) NFL-branded football, and one (1) each of the following officially licensed gear from NFLShop.com in winner's choice of NFL team (subject to availability): embroidered adjustable hat, full-zip hoodie, jersey, 32 oz. water bottle, plush throw blanket, 9' x 9' tailgate instant canopy tent with matching carrying bag, outdoor folding chair with matching carrying bag, 24-can polyester cooler with removeable shoulder strap (collectively, the "Weekly Entry Period #3 Prize"). In addition to the Weekly Prize, $465 cash will be awarded in the form of a check to winner that can be used toward the payment of income taxes associated with the Weekly Prize. ARV of Weekly Entry Period #3 Prize: $1,877.

    One (1) Weekly Entry Period #4 Weekly Prize: One (1) Visa NFL Gift Box including one (1) Sponsor-specified action digital camera, one (1) NFL-branded football, and one (1) each of the following officially licensed gear from NFLShop.com in winner's choice of NFL team (subject to availability): embroidered adjustable hat, full-zip hoodie, jersey, 32 oz. water bottle, plush throw blanket, 9' x 9' tailgate instant canopy tent with matching carrying bag, outdoor folding chair with matching carrying bag, 24-can polyester cooler with removeable shoulder strap (collectively, the "Weekly Entry Period #4 Prize"). In addition to the Weekly Prize, $450 cash will be awarded in the form of a check to winner that can be used toward the payment of income taxes associated with the Weekly Prize. ARV of Weekly Entry Period #4 Prize: $1,812.

    One (1) Weekly Entry Period #5 Weekly Prize: One (1) Visa NFL Gift Box including one (1) Sponsor-specified laptop computer, one (1) NFL-branded football, and one (1) each of the following officially licensed gear from NFLShop.com in winner's choice of NFL team (subject to availability): embroidered adjustable hat, full-zip hoodie, jersey, 32 oz. water bottle, plush throw blanket, 9' x 9' tailgate instant canopy tent with matching carrying bag, outdoor folding chair with matching carrying bag, 24-can polyester cooler with removeable shoulder strap (collectively, the "Weekly Entry Period #5 Prize"). In addition to the Weekly Prize, $700 cash will be awarded in the form of a check to winner that can be used toward the payment of income taxes associated with the Weekly Prize. ARV of Weekly Entry Period #5 Prize: $2,813.

    One (1) Weekly Entry Period #6 Weekly Prize: One (1) Visa NFL Gift Box including one (1) Sponsor-specified tablet device, one (1) NFL-branded football, and one (1) each of the following officially licensed gear from NFLShop.com in winner's choice of NFL team (subject to availability): embroidered adjustable hat, full-zip hoodie, jersey, 32 oz. water bottle, plush throw blanket, 9' x 9' tailgate instant canopy tent with matching carrying bag, outdoor folding chair with matching carrying bag, 24-can polyester cooler with removeable shoulder strap (collectively, the "Weekly Entry Period #6 Prize"). In addition to the Weekly Prize, $700 cash will be awarded in the form of a check to winner that can be used toward the payment of income taxes associated with the Weekly Prize. ARV of Weekly Entry Period #6 Prize: $2,813.

    One (1) Weekly Entry Period #7 Weekly Prize: One (1) Visa NFL Gift Box including one (1) Sponsor-specified smart streaming laser projector, one (1) NFL-branded football, and one (1) each of the following officially licensed gear from NFLShop.com in winner's choice of NFL team (subject to availability): embroidered adjustable hat, full-zip hoodie, jersey, 32 oz. water bottle, plush throw blanket, 9' x 9' tailgate instant canopy tent with matching carrying bag, outdoor folding chair with matching carrying bag, 24-can polyester cooler with removeable shoulder strap (collectively, the "Weekly Entry Period #7 Prize"). In addition to the Weekly Prize, $600 cash will be awarded in the form of a check to winner that can be used toward the payment of income taxes associated with the Weekly Prize. ARV of Weekly Entry Period #7 Prize: $2,412.

    One (1) Weekly Entry Period #8 Weekly Prize: One (1) Visa NFL Gift Box including one (1) Sponsor-specified smartphone, one (1) NFL-branded football, and one (1) each of the following officially licensed gear from NFLShop.com in winner's choice of NFL team (subject to availability): embroidered adjustable hat, full-zip hoodie, jersey, 32 oz. water bottle, plush throw blanket, 9' x 9' tailgate instant canopy tent with matching carrying bag, outdoor folding chair with matching carrying bag, 24-can polyester cooler with removeable shoulder strap (collectively, the "Weekly Entry Period #8 Prize"). In addition to the Weekly Prize, $630 cash will be awarded in the form of a check to winner that can be used toward the payment of income taxes associated with the Weekly Prize. ARV of Weekly Entry Period #8 Prize: $2,542.

    One (1) Grand Prize: 2023 NFL Draft trip package consisting of a 3-day/2-night trip departing on April 26, 2023, and returning on April 28, 2023, for winner and one (1) guest to Kansas City, MO, to attend the 2023 NFL Draft on Thursday, April 27, 2023, at Union Station in Kansas City, MO. Prize includes two (2) tickets to the 2023 NFL Draft (seats to be determined by Sponsor in its sole and absolute discretion), round-trip economy class air transportation for two (2) people from a major U.S. gateway airport nearest the winner's home, transportation to/from airport and hotel and to/from hotel and Union Station, hotel accommodations (one (1) standard room, double occupancy), $5,000 cash awarded in the form of a check to winner, and one (1) Visa NFL Gift Box including items to be designated by Sponsor, collectively valued at up to $2,500 (for winner only). In addition to the aforementioned prize, $5,500 cash will be awarded in the form of a check to winner that can be used toward the payment of income taxes associated with the prize (collectively, the "Grand Prize Trip"). ARV of Grand Prize Trip: $18,500.

    One (1) First Prize: 2023 NFL Draft trip package consisting of a 3-day/2-night trip departing on April 26, 2023, and returning on April 28, 2023, for winner and one (1) guest to Kansas City, MO, to attend the 2023 NFL Draft on Thursday, April 27, 2023, at Union Station in Kansas City, MO. Prize includes two (2) tickets to the 2023 NFL Draft (seats to be determined by Sponsor in its sole and absolute discretion), round-trip economy class air transportation for two (2) people from a major U.S. gateway airport nearest the winner's home, transportation to/from airport and hotel and to/from hotel and Union Station, hotel accommodations (one (1) standard room, double occupancy), and one (1) Visa NFL Gift Box including items to be designated by Sponsor, collectively valued at up to $2,500 (for winner only). In addition to the aforementioned prize, $3,500 cash will be awarded in the form of a check to winner that can be used toward the payment of income taxes associated with the prize (collectively, the "First Prize Trip"). ARV of First Prize Trip: $11,500.

    Total ARV of all Prizes: $47,863. Actual value of Grand Prize Trip and First Prize 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.

    Grand Prize Trip & First Prize Trip Restrictions
    If a winner is at least 18, but still considered a minor in his/her/their state or place of residence, his/her/their parent or legal guardian will be required to accompany minor winner on the trip. If a winner and guest are unable to travel on the dates specified by Sponsor for any reason, including not being able to comply with any public or private travel restrictions, such portion of trip will be forfeited. Sponsor reserves the right to change trip dates. Guest of each winner must execute and return a Release of Liability/publicity release prior to travel and he/she/they must be of legal age of majority in his/her/their jurisdiction of residence (and at least 18) unless a child or legal ward of winner; then winner will be required to execute and return such documents on behalf of such child or legal ward. Trips are subject to 2023 NFL Draft scheduling, airline/flight times and hotel availability and other conditions and restrictions including public health restrictions. If a winner lives within 100 miles of Kansas City, MO, 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. Once the trips have been booked, no change, extension or substitution trip dates is permitted except by Sponsor, in its sole discretion. Sponsor is not responsible for any fees or additional charges resulting from any changes to itinerary or accommodations made by a prize winner and/or his/her/their guest. 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 carrier(s), hotel, 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 Declaration and/or prize travel documents. Winners and guests are responsible for obtaining travel documents (i.e., REAL ID, passport or other TSA-approved ID; visit 
    www.tsa.gov for a list of TSA-approved IDs) 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. Each Winner and his/her/their guest must arrive at the designated gateway airport in time for the flight. Tickets are subject to certain terms and conditions as specified by the NFL and issuer thereon. Each Winner and guest must comply with all venue, stadium, and event rules and regulations, including any public health restrictions. Failure to do so may result in forfeiture of such portion(s) of prize. Sponsor and/or the NFL Entities reserve the right to remove or deny entry to a winner and any guest who does not comply with any health restrictions imposed by any government, Sponsor, or any venue, stadium or event, engage in a non-sportsmanlike or disruptive manner, or with intent to annoy, abuse, threaten, or harass any other person at the 2023 NFL Draft. All travel is subject to any and all advisories, restrictions or requirements instituted by the U.S. Department of Defense, the U.S. Department of Homeland Security, the U.S. Centers of Disease Control and Prevention, and/or the U.S. Department of Health & Human Services, as required, including but not limited to passing one or more COVID-19 antigen or PCR screening tests, and testing negative for COVID-19 or having been vaccinated against COVID-19 (with an FDA or WHO-approved vaccine, if age-eligible). Travelers may also be required to execute any assumption of risk and/or other documents relating to COVID-19 or he/she may not be permitted to travel or attend the 2023 NFL Draft. Each Winner and guest should also review any advisories or restrictions that may be in place for travel to Kansas City, MO.

    Weekly Prizes are awarded as is with no warranty or guaranty of any kind. Any and all guarantees and warranties on Weekly Prizes are subject to the manufacturers' terms and conditions, and each winner agrees to look solely to such manufacturers for any such warranty or guarantee claim. Weekly Prize items are subject to change and some items may ship separately. The ARV of the Weekly Prizes is subject to price fluctuations in the consumer marketplace based on, among other things, any gap in time between the date the ARV is estimated for purposes of these Official Rules, and the date the Weekly Prize is awarded or redeemed. If the actual purchase price of a Weekly Prize is less than the ARV stated herein, the winner will NOT be entitled to a check, cash or other form of payment for the price difference. Any depiction of a prize, in Sweepstakes materials or otherwise, is for illustrative purposes only.

     No substitution, cash equivalent, or transfer of any prize permitted except at the sole discretion of the Sponsor, who reserves the right to substitute a prize (or portion thereof) with one of equal or greater value. 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 each winner, including, without limitation, all federal, state, and local taxes, and additional features or accessories. Prize details are at Sponsor's sole discretion. If any portion of a prize is unavailable for any reason, including but not limited to, cancellation; delays; a public health crisis; or any federal, state, and/or local government regulations, orders, or guidelines, Sponsor reserves the right to substitute the prize or portion thereof with one of equal or greater value, and no other additional compensation or substitution will be provided.
  4. 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 Judge, which are final and binding. By accepting a prize, each winner consents to the use of his/her/their name, image, likeness, photograph, voice, and biographical material for advertising, publicity, and promotional purposes by Releasees, 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 a 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 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 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.

    Grand Prize winner and First Prize winner fully understand that (a) the novel coronavirus SARS-CoV-2 and any resulting disease (together with any mutation, adaptation or variation thereof, "COVID-19") is extremely contagious and there is an inherent risk of exposure to COVID-19 in any place where people are or have been present, including without limitation 2023 NFL Draft; (b) no precautions, including the protocols that will be implemented from time to time by the NFL Entities and the U.S. Department of Health and Human Services (collectively, the "Protocols"), can eliminate the risk of exposure to COVID-19; (c) while people of all ages and health conditions have been adversely affected by COVID-19, certain people have been identified by public health authorities as having greater risk based on age and/or underlying medical conditions; and (d) exposure to COVID-19 can result in being subject to quarantine requirements, illness, disability, other short-term and long-term health effects, and/or death, regardless of age or health condition.
  5. GENERAL: Sponsor will collect information from the entrants solely for the purpose of the prize drawings 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. Releasees are not responsible for lost, late, illegible, misdirected, inaccurate, incomplete, undelivered, damaged, delayed, garbled, postage-due, or stolen mail, entries, and transactions; for transactions 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 or in any Sweepstakes-related materials. 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 but not limited to, if in the Judge's opinion there is any suspected or actual evidence of electronic or non-electronic tampering with any portion of the Sweepstakes; 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; a public health crisis; or any government regulations, orders, or Protocols affect the Sweepstakes. In the event of cancellation, Sponsor may terminate the Sweepstakes entirely or void any entries it suspects do not comply with the Official Rules and, at its discretion, if terminated, award the prizes in a random drawing from among all non-suspect, eligible entries received per Entry Period, 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.
  6. TAXES: The value of each prize will be taxable to the winner as income. Sponsor will issue winner an IRS FORM 1099-MISC for the value of the prize if it is valued at $600 or more. All federal, state and local taxes and any other costs and expenses associated with the acceptance and/or use of prizes not specifically provided for in these Official Rules are solely the responsibility of the individual winners. Winners are solely responsible for reporting and paying any and all applicable taxes.
  7. 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.
  8. FORCE MAJEURE: In the event an insufficient number of eligible entries are received and/or Sponsor is prevented from awarding the prizes or continuing with this Sweepstakes as contemplated herein, or the Grand Prize or First Prize due to any event beyond Sponsor's control, including but not limited to fire, flood, natural or man-made epidemic of health or other means, earthquake, explosion, labor dispute, lockout, or strike, act of God or public enemy, satellite or equipment failure, riot or civil disturbance, terrorist threat or activity, war (declared or undeclared) or any federal, state or local government law, order, regulation, or Protocol, public health crisis (e.g., Coronavirus), order of any court or jurisdiction, event cancellation, scheduling conflict, inclement weather, or other cause not reasonably within Sponsor's control (each a "Force Majeure" event or occurrence), then Sponsor shall have the right to modify, suspend, or terminate this Sweepstakes. If this Sweepstakes is terminated before the end of a Promotion Period, Sponsor will (if possible) select the potential winners in a random drawing from all eligible, non-suspect entries received for each Entry Period indicated in the chart above as of the date of the event giving rise to the termination. Inclusion in such drawing shall be each entrant's sole and exclusive remedy under such circumstances. If the Sponsor determines that all or a portion of the Grand Prize Trip or the First Prize Trip is unavailable or unable to take place as planned for any reason, including due to a Force Majeure event, then Sponsor reserves the right to substitute a prize or portion thereof with one of equal or greater value, and no other additional compensation or substitution will be provided.
  9. ARBITRATION: Except where prohibited by law, as a condition of participating in this Sweepstakes, participant agrees that (i) any and all disputes and causes of action arising out of or connected with this Sweepstakes, or 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; (ii) the Federal Arbitration Act shall govern the interpretation, enforcement and all proceedings at such arbitration; and (iii) 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.
  10. WINNERS LIST: For a list of winners, available after May 1, 2023, mail a self-addressed, stamped envelope by May 31, 2023, to: Visa 2023 NFL Draft Sweepstakes for UMB Winners, c/o Don Jagoda Associates, Inc., 100 Marcus Drive, Melville, NY 11747.
  11. SPONSOR & ADMINISTRATOR: Sponsor: Visa U.S.A. Inc., P.O. Box 8999, San Francisco, CA 94128-8999. Administrator: Don Jagoda Associates, Inc., 100 Marcus Drive, Melville, NY 11747.
  12. NFL Entities: The NFL Entities shall 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.

CONSUMER DISCLOSURE: NO PURCHASE OR OBLIGATION NECESSARY TO ENTER OR WIN. A PURCHASE WILL NOT INCREASE YOUR CHANCES OF WINNING. No entrant has yet won. PRIZES: One (1) Weekly Entry Period #1 Weekly Prize: One (1) Sponsor-specified Visa NFL Gift Box ("Weekly Entry Period #1 Prize"). In addition, $415 cash will be awarded in the form of a check to winner that can be used toward the payment of income taxes associated with the prize. ARV of Weekly Entry Period #1 Prize: $1,677. One (1) Weekly Entry Period #2 Weekly Prize: One (1) Sponsor-specified Visa NFL Gift Box ("Weekly Entry Period #2 Prize"). In addition, $475 cash will be awarded in the form of a check to winner that can be used toward the payment of income taxes associated with the prize. ARV of Weekly Entry Period #2 Prize: $1,917. One (1) Weekly Entry Period #3 Weekly Prize: One (1) Sponsor-specified Visa NFL Gift Box ("Weekly Entry Period #3 Prize"). In addition, $465 cash will be awarded in the form of a check to winner that can be used toward the payment of income taxes associated with the prize. ARV of Weekly Entry Period #3 Prize: $1,877. One (1) Weekly Entry Period #4 Weekly Prize: One (1) Sponsor-specified Visa NFL Gift ("Weekly Entry Period #4 Prize"). In addition, $450 cash will be awarded in the form of a check to winner that can be used toward the payment of income taxes associated with the prize. ARV of Weekly Entry Period #4 Prize: $1,812. One (1) Weekly Entry Period #5 Weekly Prize: One (1) Sponsor-specified Visa NFL Gift Box ("Weekly Entry Period #5 Prize"). In addition, $700 cash will be awarded in the form of a check to winner that can be used toward the payment of income taxes associated with the prize. ARV of Weekly Entry Period #5 Prize: $2,813. One (1) Weekly Entry Period #6 Weekly Prize: One (1) Sponsor-specified Visa NFL Gift Box ("Weekly Entry Period #6 Prize"). In addition, $700 cash will be awarded in the form of a check to winner that can be used toward the payment of income taxes associated with the prize. ARV of Weekly Entry Period #6 Prize: $2,813. One (1) Weekly Entry Period #7 Weekly Prize: One (1) Sponsor-specified Visa NFL Gift Box ("Weekly Entry Period #7 Prize"). In addition, $600 cash will be awarded in the form of a check to winner that can be used toward the payment of income taxes associated with the prize. ARV of Weekly Entry Period #7 Prize: $2,412. One (1) Weekly Entry Period #8 Weekly Prize: One (1) Sponsor-specified Visa NFL Gift Box (the "Weekly Entry Period #8 Prize"). In addition, $630 cash will be awarded in the form of a check to winner that can be used toward the payment of income taxes associated with the Weekly Prize. ARV of Weekly Entry Period #8 Prize: $2,542. One (1) Grand Prize: 2023 NFL Draft trip package consisting of a 3-day/2-night trip departing on 4/26/23 and returning on 4/28/23 for winner and one (1) guest to Kansas City, MO, to attend the 2023 NFL Draft on 4/27/23 in Kansas City, MO. Prize includes two (2) tickets to the 2023 NFL Draft, round-trip economy class air transportation for two (2) people from a major U.S. gateway airport nearest the winner's home, transportation to/from airport and hotel and to/from hotel and Union Station, hotel accommodations, $5,000 cash awarded in the form of a check to winner, and one (1) Sponsor-specified Visa NFL Gift Box valued at up to $2,500 (for winner only). In addition, $5,500 cash will be awarded in the form of a check to winner that can be used toward the payment of income taxes associated with the prize ("Grand Prize Trip"). ARV of Grand Prize Trip: $18,500.  One (1) First Prize: 2023 NFL Draft trip package consisting of a 3-day/2-night trip departing on 4/26/23 and returning on 4/28/23 for winner and one (1) guest to Kansas City, MO, to attend the 2023 NFL Draft on 4/27/23 in Kansas City, MO. Prize includes two (2) tickets to the 2023 NFL Draft, round-trip economy class air transportation for two (2) people from a major U.S. gateway airport nearest the winner's home, transportation to/from airport and hotel and to/from hotel and Union Station, hotel accommodations, and one (1) Sponsor-specified Visa NFL Gift Box valued at up to $2,500 (for winner only). In addition, $3,500 cash will be awarded in the form of a check to winner that can be used toward the payment of income taxes associated with the prize ("First Prize Trip"). ARV of First Prize Trip: $11,500. Total ARV of all Prizes: $47,863. Automatic entries must be made within the Automatic Entry Dates indicated in the chart above to be included in that Entry Period's weekly random drawing only, and the Grand Prize and First Prize random drawings. Mailed entries must be postmarked within the Mailed Entry Postmark Dates and received by the corresponding Mailed Entry Deadline Date indicated in the chart above, to be included in that Entry Period's weekly random drawing only, and the Grand Prize and First Prize random drawings. Entries will not roll over into subsequent weekly random drawings, but will roll over into the Grand Prize and First Prize random drawings. Limit one (1) prize per household. Estimated odds of winning a Weekly Prize are 1 in 185,468; estimated odds of winning the Grand Prize are 1 in 1,483,746; estimated odds of winning the First Prize are 1 in 1,483,746; however, the actual odds of winning depend upon the total number of eligible entries received for each Entry Period. Sweepstakes ends 11:59:59 PM PT 3/5/23. See Official Rules above for complete details, including prize restrictions. Sponsored solely by Visa U.S.A. Inc., P.O. Box 8999, San Francisco, CA 94128-8999.