This could be your dream NFL season! 
When you pay with your Northwoods Credit Union Visa card, or any
other Visa, from 10/1/20-11/30/20 you’ll be entered for a chance to win $10,000 and a
collection of prizes that will keep you cheering for many seasons to come. Tap to pay with a
Visa contactless card or device for a bonus entry.

The NFL Gift Box includes:
– Microsoft Surface
– Bose Noise Cancelling Headphones
– Madden NFL 21 & game console
– $500 NFLShop.com coupon
– and more

NO PURCHASE OR OBLIGATION NECESSARY TO ENTER OR WIN THE VISA 2020 NFL SWEEPSTAKES. Open only to
legal 50 U.S. & D.C. residents who are 18 or older as of 10/1/20. Void in P.R. and where prohibited. Begins at 12:00
AM PT on 10/1/20, and ends at 11:59PM PT on 11/30/20 (“Promotion Period”). TO ENTER: 1) Automatic Entry: An
eligible Visa cardholder will automatically receive one (1) Sweepstakes entry for each eligible Visa purchase made
during the Promotion Period at a participating merchant location in the U.S. BONUS ENTRY: An eligible Visa
cardholder will automatically receive one (1) bonus Sweepstakes entry for each eligible Visa purchase made using
his/her contactless Visa card or using his/her Visa card with a payment-enabled device during the Promotion
Period. 2) To Enter by Mail Without Purchase or Obligation: Hand-print your name, street address, city, state, ZIP
code, and daytime and evening telephone numbers (including area code), and email address, on plain 3″ x 5″
paper, and mail it in a #10 envelope with sufficient postage affixed, to: Visa 2020 NFL Sweepstakes, P.O. Box 7769,
Melville, NY 11775-7769. Mailed entries must be postmarked between 10/1/20 and 11/30/20, and received by
12/7/20. Enter as often as you wish; however, each mailed entry will count as two (2) entries into the random
drawing and must be mailed in a separate postmarked-and-stamped envelope. Mechanical reproductions
prohibited. PRIZE: One (1) Grand Prize: $10,000 (awarded in the form of a check) and a Visa NFL Gift Box. The Visa
NFL Gift Box includes a Microsoft Surface, Bose Noise Cancelling Headphones, a Game Console, a Madden NFL 21
Game, a $500 Lowes gift card, a $500 NFLShop.com coupon code, a one (1) year subscription to NFL Game Pass
valued at $100 (awarded electronically via a code) and a year’s worth of game days snacks valued at $650,
awarded in the form of a $650 Visa Gift Card. Grand Prize will also include $5,800 cash (awarded in the form of a
check) that can be used toward the payment of income taxes associated with the prize. ARV: $19,310. ODDS:
Estimated odds of winning are 1 in 11,344,720,444; however, the actual odds of winning depend upon the total
number of eligible entries received. Sweepstakes subject to complete Official Rules, available at
www.visa.com/NFLUltimateSweepstakesFullRules. SPONSOR: Visa U.S.A. Inc., P.O. Box 8999, San Francisco, CA
94128-8999. The NFL Entities have not offered or sponsored this Sweepstakes in any way

VISA 2020 NFL SWEEPSTAKES
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 2020 NFL Sweepstakes (“Sweepstakes”) is open only to legal residents of the fifty (50) United States and District of Columbia who are 18 years of age or older as of October 1, 2020.
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 and each of their respective subsidiaries, affiliates, shareholders,
officers, directors, agents, representatives, and employees (collectively, “NFL Entities”), 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, Don Jagoda Associates, Inc., and each of their respective agents, representatives, officers,
directors, shareholders, and employees (collectively, “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, 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. S WEEPSTAKES TIMING/DESCRIPTION: Begins at 12:00:00 AM Pacific Time (“PT”) on October 1, 2020, and ends at 11:59:59 PM PT on November 30, 2020 (“Promotion Period”). There will be one (1) Grand
Prize winner selected in a random drawing at the end of the Promotion Period from among all eligible entries received.
4. T O ENTER: There are two (2) ways to enter:
• AUTOMATIC ENTRY: An eligible Visa cardholder will automatically receive one (1) Sweepstakes entry for each eligible Visa purchase made with her/his Visa card during the Promotion Period at
a participating merchant location in the U.S. BONUS ENTRY: An eligible Visa cardholder will automatically receive one (1) bonus Sweepstakes entry for each eligible Visa purchase made using
his/her contactless Visa card or using his/her Visa card with a payment-enabled device during the Promotion Period. Only eligible Visa purchases, or payments made with a Visa card that is not in
default under the customer agreement for that account and issued by a participating financial institution in the U.S., processed through Visa U.S.A. Inc.’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. Visa cards or card numbers that are stolen, fraudulent, tampered with, or otherwise altered are not eligible for automatic entry. Automatic entries must
be made by November 30, 2020 in order to be eligible for the random drawing.
• 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 2020 NFL Sweepstakes, P.O. Box 7769, Melville, NY 11775-
7769. Mailed entries must be postmarked between October 1, 2020 and November 30, 2020, and received by December 7, 2020, in order to be included in the random drawing. Enter as often as you wish;
however, each mailed entry will count as two (2) entries into the random drawing 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.
5. DETERMINATION OF WINNER/WINNER NOTIFICATION: One (1) potential Grand Prize winner will be selected on or about December 21, 2020 from among all eligible automatic and mailed entries received.
Random drawing will be conducted under the direction of Don Jagoda Associates, Inc. (“Judge”), an independent judging organization. Judges’ and Sponsor’s decisions are final and binding on matters relating to
this Sweepstakes. Potential Grand Prize winner will be notified by overnight or U.S. Mail, and/or telephone/email, within one (1) week of random drawing date. Potential Grand Prize winner will be required to sign an
affidavit of eligibility/liability release, a publicity release where legal, and return these properly executed documents via fax within 5 days 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 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.
6. O DDS: Estimated odds of winning the Grand Prize are 1 in 11,344,720,444; however, the actual odds of winning depend upon the total number of eligible entries received.
PRIZE & APPROXIMATE RETAIL VALUE (“ARV”): One (1) Grand Prize: $10,000 (awarded in the form of a check) and a Visa NFL Gift Box. The Visa NFL Gift Box includes a Microsoft Surface, Bose Noise
Cancelling Headphones, a Game Console, a Madden NFL 21 Game, a $500 Lowes gift card, a $500 NFLShop.com coupon code, a one (1) year subscription to NFL Game Pass valued at $100 (awarded
electronically via a code) and a year’s worth of game days snacks valued at $650, awarded in the form of a $650 Visa Gift Card. Grand Prize will also include $5,800 cash (awarded in the form of a check) that can be
used toward the payment of income taxes associated with the prize. ARV: $19,310. All federal, state and local taxes are the sole responsibility of the winner. Prize is awarded as is with no warranty or guaranty of
any kind. Any and all guarantees and warranties on merchandise portion of the prize are subject to the manufacturers’ terms and conditions, and winner agrees to look solely to such manufacturers for any such
warranty or guarantee claim. Prize items are subject to change and some items may ship separately. The ARV of any portion of the prize listed above 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 prize is awarded or redeemed. If the actual purchase price of prize is less
than the ARV stated herein, the prize winner will NOT be entitled to a check, cash or other form of payment for the price difference. Any depiction of the Prize, in Sweepstakes materials or otherwise, is for illustrative
purposes only. No substitution, cash equivalent, 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. 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 winner, including, without
limitation, all federal, state, and local taxes, and additional features or accessories. If Grand 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. All terms & conditions apply to Visa Prepaid product and store gift cards or
coupon codes. Prize details are at Sponsor’s sole discretion. If any portion of prize is unavailable for any reason, including but not limited to, cancellation; delays; a public health crisis; or any federal, state/provincial
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.
7. C ONDITIONS 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 prize, 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 the 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.
8. G ENERAL: Sponsor will collect information from the entrants solely for the purpose of the prize drawing and to notify a winner. 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 prize 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 guidelines 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 prize 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.
9. D ISPUTES: 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.
10. F ORCE MAJEURE: In the event an insufficient number of eligible entries are received and/or Sponsor is prevented from awarding the Grand Prize or continuing with this Sweepstakes as contemplated herein by any
event beyond its control, including but not limited to fire, flood, natural or man-made epidemic of health or other means, earthquake, explosion, labor dispute 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/provincial or local government law, order, regulation, or guideline, public health crisis (e.g.,
Coronavirus), order of any court or jurisdiction, 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 designated end date, Sponsor will (if possible) select the potential Grand Prize winner in a random drawing from all eligible, non-suspect
entries received 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 is unavailable due to a force majeure event, then 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.
11. A RBITRATION: 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 prize 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.
12. W INNER’S NAME: For the name of the Grand Prize winner, available after January 31, 2021, mail a self-addressed, stamped envelope by January 31, 2021, to: Visa 2020 NFL Sweepstakes Winner, c/o Don
Jagoda Associates, Inc., 100 Marcus Drive, Melville, NY 11747.
13. S PONSOR & 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.
The NFL Entities (as defined in these Official Rules) will have no liability or responsibility for any claim arising in connection with participation in this Sweepstakes or any prize awarded. The NFL Entities have not
offered or sponsored this Sweepstakes in any way.

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. One (1) Grand Prize:
$10,000 (awarded in the form of a check) and a Visa NFL Gift Box. The Visa NFL Gift Box includes a Microsoft Surface, Bose Noise Cancelling Headphones, a Game Console, a Madden NFL 21 Game, a $500 Lowes gift
card, a $500 NFLShop.com coupon code, a one (1) year subscription to NFL Game Pass valued at $100 (awarded electronically via a code) and a year’s worth of game days snacks valued at $650, awarded in the form of a
$650 Visa Gift Card. Grand Prize will also include $5,800 cash (awarded in the form of a check) that can be used toward the payment of income taxes associated with the prize. Approximate Retail Value (“ARV”): $19,310.
Automatic entries must be received by 11:59:59 PM PT 11/30/20 in order to be eligible. Mailed entries must be postmarked by 11/30/20 and received by 12/7/20. Estimated odds of winning are 1 in 11,344,720,444, however
the actual odds of winning depend upon the total number of eligible entries received. Sweepstakes ends 11:59:59 PM PT 11/30/20. 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.

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