When you use your Visa card to pay bills, count on:

Convenience – Saves time and hassles, compared to writing and mailing checks

Rewards – If you have a rewards program, you’ll earn rewards faster by using your Visa card to pay bills you’d pay anyway

Efficiency – Most payments post instantly to your account so you can make last-minute payments and still be on time

Flexibility – The one-time bill payment option lets you control how much you pay, and the automatic payment option provides maximum convenience while helping ensure bills get paid

Security – Payments made with Visa are protected by multiple layers of security, including Visa’s Zero Liability policy*

Reliability – No need to worry about your payment getting delayed or lost in the mail

*Visa's Zero Liability policy covers U.S.-issued cards only. Visa's Zero Liability policy does not apply to ATM transactions, or to PIN transactions not processed by Visa, or certain commercial card transactions. Cardholder must notify issuer promptly of any unauthorized use. Consult issuer for additional details or click here.

2010 VISA BILL PAY SWEEPSTAKES – OFFICIAL RULES

1. NO PURCHASE, PAYMENT, OR OBLIGATION NECESSARY TO ENTER OR WIN.  NON-PAYMENT ENTRIES AND PAYMENT ENTRIES HAVE AN EQUAL CHANCE OF WINNING.
2. ELIGIBILITY:  The 2010 Visa Bill Pay Sweepstakes (the “Sweepstakes”) is open only to legal residents of the fifty (50) United States and the District of Columbia, 18 years of age and older, as of June 7, 2010.  Commercial Card eligibility is subject to employer policies regarding Sweepstakes participation.  Void in Puerto Rico and where prohibited.  Employees of Visa Inc., Visa U.S.A. Inc. (“Sponsor”), Visa International Service Association, and their respective successors, affiliates, and client financial institutions, prize suppliers and advertising and promotion agencies, Strobe Promotions, Inc. and each of their respective subsidiaries, affiliates, agents, representatives, officers, directors, shareholders, and employees (collectively, “Releasees”), and each of their immediate family members (spouse and parents, children and 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/DESCRIPTION:  The Sweepstakes begins at 12:00:00 AM Pacific Time (“PT”) on June 7, 2010 and ends at 11:59:59 PM PT on August 31, 2010 (the “Promotional Period”).  Fifty (50) prizes are available to be awarded in a random drawing from among all eligible automatic and mail-in entries received throughout the Promotional Period. 
4. TO ENTER:  There are two (2) ways to enter the Sweepstakes:  1) Automatic Entry and 2) U. S. Mail.  To enter via Automatic Entry:  An eligible Visa cardholder automatically receives one (1) Sweepstakes entry when he/she makes a payment of a regular and/or ongoing bill with his/her Visa card by its required due date during the Promotional Period.  Eligible regular and ongoing bill payments are payments that occur and are paid at least monthly, and can include  bills such as phone bills, cable bills, subscriptions to newspapers and magazines, utility bills, Internet service provider bills, charities, doctor visits, etc. made to participating merchants. Such payments may be made online, via U.S. mail, by telephone, or in-person. Certain restrictions may apply.  For more information and a list of some of the participating merchants, please visit visa.com/billpay.  Please be sure to contact your merchant to verify that they accept Visa for eligible bill payment.  Only transactions designated by Visa as an eligible regular and ongoing bill payment made by its required due date with a Visa card that is not in default under the customer agreement for that account and issued in the U.S. and processed through Visa U.S.A. Inc.’s transaction-processing system during the Promotional Period, are eligible for automatic entry. Any dispute as to whether a transaction qualifies as eligible for automatic entry will be decided by Sponsor, at its sole discretion.  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. Visa cards or card numbers that are stolen, fraudulent, tampered with, or otherwise altered are not eligible for automatic entry and all such entries are void. 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. Automatic entries must be made by 11:59:59 PM PT on August 31, 2010 in order to be eligible  To enter without purchase or obligation by U. S. Mail:  You may enter the Sweepstakes without purchase via U. S. Mail by hand-printing your full name, address, city, state, ZIP code, date of birth, and daytime and evening telephone numbers (including area code) on a 3” X 5” card, and mailing, in a #10 envelope with proper postage affixed, to: 2010 Visa Bill Pay Sweepstakes, P.O. Box 825, Bethpage, NY 11714-0825.  Mail-in entries must be postmarked by August 31, 2010 and received by September 7, 2010 in order to be eligible.  Enter as often as you wish; however, each mail-in entry must be mailed in a separate, postmarked stamped envelope. Entries that are mechanically reproduced, copied, illegible, incomplete, or inaccurate are void.  All 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 or emailing does not constitute proof of delivery.
5. DETERMINATION OF WINNERS:  Potential winners will be selected in a random drawing on or about September 14, 2010 from among all eligible automatic and mail-in entries received and combined.  The random drawing will be conducted by Strobe Promotions, Inc., an independent judging organization.  Judges decisions are final and binding on all matters relating to this Sweepstakes.  Potential winners will be notified by overnight or U.S. mail and/or telephone on or about September 15, 2010.  Potential winners will be required to sign an affidavit of eligibility/liability release and, where legal, a publicity release and Federal and State tax release, and return these documents, properly executed,  via fax, within forty-eight (48) hours of time of notification, and the original documents, via overnight mail, within seven (7) days of date of issuance of notification. Non-compliance within this time frame and/or with these Official Rules, Sponsor’s inability to contact potential winner within a reasonable time period, or prize return or prize notification’s return as undeliverable will result in such potential winner disqualification and, at Sponsor’s discretion and time permitting, the prize may be awarded to a potential alternate winner.  Allow 6-8 weeks for delivery of prize.  
6. ODDS:  Estimated odds of winning a Grand Prize are 1:146,134,382; estimated odds of winning a First Prize are 1:24,355,730; estimated odds of winning a Second Prize are 1:48,711,461; however, the actual odds of winning any Prize depends upon the total number of eligible entries received.
7. PRIZE DESCRIPTION:  Five (5) Grand Prizes:  Apple^® MacBook^®, Approximate Retail Value (“ARV”) $1,000 each; Thirty (30) First Prizes: Fifteen (15) Apple^® iPod touch^® (32GB) ARV: $300 each, and Fifteen (15) $300 Visa^® Gift card, ARV: $300 each; Fifteen (15) Second Prizes: Amazon Kindle^® (6”Display) ARV: $259 each. Total ARV of all prizes: $17,885. 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 comparable or greater value, except as otherwise provided herein. All taxes, and any 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 winner, including, without limitation, all federal, state, and local taxes. Prize may not be transferred or substituted except at the Sponsor’s sole discretion. If Prize winner is at least 18 years of age 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 winners set forth herein. Limit one (1) prize per person/family/household. All merchandiseprizes are awarded “as is” and 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. All prize details are at Sponsor’s sole discretion.
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, each winner consents to the use of his/her name, image, likeness, photograph, voice, and biographical material for advertising, publicity, and promotional purposes by Sponsor, or party designated 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 the 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 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:  Sponsor will collect information from the entrants 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 or winner notification as applicable, nor attempt to contact entrant, unless entrant has agreed to receive further information on Sponsor’s products and promotions or for winner notification, if applicable. Releasees are not responsible for lost, late, illegible, misdirected, inaccurate, incomplete, undelivered, damaged, delayed, garbled, postage-due, or stolen mail, entries, transactions or bill payments; 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, network, technical, 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, at 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, 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 the 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 the Web site 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 damages and other remedies (including attorneys’ fees) 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 and questions concerning the construction, validity, interpretation, and enforceability of these Official Rules, or the rights and obligations of the participant 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), which would cause the application of the laws of any jurisdiction other than the State of California.
11. WINNERS’ NAMES:  To obtain the names of the winners, available after October 15, 2010, mail a self-addressed stamped envelope by October 15, 2010 to: 2010 Visa Bill Pay Sweepstakes Winners, P.O. Box 913, Bethpage, NY 11714-0913.  
12. SPONSOR & ADMINISTRATOR:  The Sponsor of this Sweepstakes is Visa U. S. A. Inc.,
    P.O. Box 8999, San Francisco, CA  94128-8999.  The administrator of this Sweepstakes is Strobe Promotions, Inc., 535 S. Broadway, Suite 203, Hicksville, NY  11801.

    Apple Inc. is not a Sponsor of this promotion.
    Amazon.com Inc. is not a Sponsor of this promotion.