It is FREE to become a member! Your FREE membership starts out with at least 10 TOKENS to try out in our
games and contests. You also get access to the huge array of expert advice, articles, videos and more at our partner/
affiliate sites.

FREE memberships are available to everyone 18 and above. We currently accept customers from all legal
jurisdictions (please see our Terms and Conditions for more details). It is up to you to determine the legality of Velvet
Deck in your jurisdiction prior to playing on the site.

From our registration page, just provide us with a unique username, desired password, email address, date of birth, and
agree to our Terms & Conditions. After you complete the registration form, we will send an email to the address you
provided. Clicking on the confirmation link will complete the sign up process. Please be sure to check your SPAM box if
you don’t see it in your inbox!

Velvet Deck requires all users to provide their real date of birth to encourage authenticity and provide only age-
appropriate access to content. You must be at least 18 years of age to join. This information will be hidden from your
profile, and its use is governed by the Velvet Deck Privacy Policy.

If you have activated your account through the email you received immediately following registering on the site, then
email us at support@velvetdeck.com and we can look into this further for you.

You can request a password reset by clicking the "Forgot your password?" link located on the "Login" page. We will
then send you an email with your new password. After you successfully log-in you can change your password in the “My
Account” section of the site.

Simply email support@velvetdeck.com with the subject line stating ‘unsubscribe’. You will be removed from our
mailing list within 5 – 7 business days. To receive prize award notifications, emails must be allowed.

NO ONE FROM VELVETDECK.COM WILL EVER ASK YOU FOR YOUR PASSWORD. This is a very common
method of perpetrating account fraud. We will never ask you for your password except when you log-in. If anyone asks
for your password, please email us at support@velvetdeck.com with as much detail as you can provide. Please note that
any email from us that contains links should link only to http://www.velvetdeck.com or https://www.velvetdeck.com. Be
sure to look at the URL in the address bar of your browser after clicking on any links in emails purportedly from us.

No. Your account is personal to you, and may be used ONLY by you. If we discover that someone else is using your
account, we reserve the right to cancel your account, and impound and redistribute any money you have won.

No. Each player is permitted one account only. If you violate this rule we reserve the right to cancel all of your
accounts, and impound and redistribute any money you have won.

Your screen name is your unique identity on Velvet Deck. It identifies you to us and to other players.

When you register for Velvet Deck, you will be asked to choose a screen name when you first register.

No, so choose carefully. Once you have chosen a screen name, it can't be changed. If you choose a name that we find
objectionable you will be asked to choose a new name.

Your company may have a firewall or other software in place that could restrict you from connecting from work.

Although we hope this never happens. Send us an email at support@velvetdeck.com if you ultimately decide this isn’t
the place for you.

Our Velvet Deck Support Team will reply to all emails we receive and we strive to get a reply to you within 24 hours.
If you haven't gotten a response, check your SPAM folder before emailing support again, as it's possible that we replied
and the reply was caught by your filter. If the response isn't there, email support again with the words "second request" in
the topic.

Most likely our emails are getting stuck in your spam filter. If you have a spam filter in place and know how to check
it, that's the best place to start. Read about how to set up a filter so your email system accepts emails from us. If this isn't
the problem, email Velvet Deck Support at support@velvetdeck.com, and we'll try to help you fix it.

We always want to hear from you, because we want to give it to you the way you like it. Give us your feedback at
support@velvetdeck.com.

Velvet Deck gives away amazing prizes every month including trips, modeling contracts, electronics and more! Check
out our Prize Page for more details.

When you win a prize, we'll send you an email with instructions on how to claim your prize.

Velvet Deck is a US-based company that operates in full compliance with all federal, state and local laws.
This includes reporting any amount you win over $600 (see IRS regulations here www.irs.gov/newsroom/article/
0,,id=161511,00.html). In order to do so, we are required by the IRS to have a W-9 (US) or W-8BEN (non-US) on file.

Unless the IRS explicitly requests it or audits us, the W-9 and W-8BEN documents filed with us remain in our
possession. These and any other documents, information or emails you send us are subject to the Velvet Deck Privacy
Policy, and are not published, disclosed or shared with anyone except as required by law or as provided for in the Privacy
Policy. Any paper document you send us is scanned, and the original is destroyed utilizing a cross-cut shredder within 7
days of receipt. Scanned documents and emails are stored on our secure servers, which utilize the same state-of-the-art
encryption that we use to keep our games secure.

If you are a US citizen, we need:

A completed IRS Form W-9. Note that this form can be filled out on your computer, and in most cases doesn't
require a signature. The form can be found by clicking: http://www.irs.gov/pub/irs-pdf/fw9.pdf

Proof of residence and age verification. If your valid driver's license has your correct address (matching the one
we have on file for you), that's all we need. If the address isn't correct, we need BOTH of the following:

Scanned copy of your valid driver's license OR passport, AND
Scanned copy of a recent bill (utility, mortgage or credit card) that shows the address we have on file.

If you are not a US citizen, we need:

A completed IRS Form W-8BEN. The form can be found by clicking: http://www.irs.gov/pub/irs-pdf/fw8ben.pdf

Proof of residence and age verification. If your valid driver's license has your correct address (matching the one
we have on file for you), that's all we need. If the address isn't correct, we need BOTH of the following:

Scanned copy of your valid driver's license OR passport, AND

Scanned copy of a recent bill (utility, mortgage or credit card) that shows the address we have on file
for you.

When submitting documents please be sure to include your full name and your User Name. Without this information
your processing will be delayed.

1 . email: documents@velvetdeck.com

2 . Fax: 866-797-4155 When submitting documents via fax, please be sure that your driver's license is enlarged and
not too dark. Documents must be completely legible for approval and faxed documents tend to come through
darker than the original. We suggest enlarging your license by at least 100% and lightening the tones a bit.

The name and address that you provide on these documents must match what we have on file. If your mailing
address is not current, you can change it by clicking on "Requests" and then "Update account information" in the Velvet
Deck client program.

IMPORTANT NOTE: You CANNOT change your name as registered with us. If the name on your documents
doesn't match what you filed with us when you created your account, we need a letter or email from you explaining the
discrepancy. If you had a legal name change, you will need to email a copy of your marriage certificate or court document
to documents@velvetdeck.com.

Generally the answer is 'no,' but there are some exceptions:

1. If you win more than $5,000, the IRS may require us to do backup withholding of 28%. If this happens, we will pay
these amounts to the IRS on your behalf, and you will receive a backup withholding statement from us at the end of the
year showing any amounts withheld.
2. If you are not a US citizen, and your country does not have a tax treaty with the US, we may be required to do backup
withholding of 30%.

In either of these cases, you should consult a tax professional for further advice.

The reason we require a W-9 as soon as you cash out any amount is that we need to be sure we can obtain this
information if and when we do need it for reporting. If you were to cash out $500 without filing a W-9, and then won
another $100 and didn't provide the W-9 upon our request, we would be liable for the taxes on your entire $600 win, plus
penalties.

The short answer is that the rules for slot machines are different because they are considered games of chance.
Your winnings on slot machines (also keno and video poker) are reported on IRS Form W-2G (Certain Gambling
Winnings). Because playing on VelvetDeck.com is considered a contest rather than gambling, your winnings are reported
as contest winnings and are subject to the $600 limitation (see IRS regulations here: www.irs.gov/newsroom/article/
0,,id=161511,00.html).

We want Velvet Deck to be a fun and entertaining site for all of our players. Profanity, harassment, abuse or any other
chat that players might find offensive isn’t acceptable and will not be tolerated. If you see a member violating these rules
of conduct, please email support@velvetdeck.com and we will take immediate and appropriate action.

TOKENS is tokens you can use on Velvet Deck. Think of it like tokens you use at an arcade. These tokens are used
to vote for Velvet Girl Contestants and to place wagers in our PICK’EM game.

Every member that registers is automatically credited with at least 10 TOKENS to start. There are additional ways to
get more TOKENS.

You can subscribe to one of our monthly membership packages. We offer the following packages:

*100 TOKENS per day for $3.99 month

*500 TOKENS per day for $6.99 month

*1,000 TOKENS per day for $9.99 month

*Each purchase option works with our auto deposit feature. If your account falls below the amount specified in your
subscription, your account will be replenished between 12:01AM to 3:01AM Eastern Time on the following day.

You can also win TOKENS when playing in our PICK’ EM game or the Velvet Girl Contestants can give you
TOKENS to solicit votes from you and/or reward you for voting for them.

TOKENS gives you the opportunity to experience our games and contests. Ultimately, the more TOKENS you
have, the more likely you are to win BIG and benefit from all of our features!

Velvet Deck's PICK’EM is a challenging game that puts not only your sports prediction talents to the ultimate test,
but we like to throw in those reality shows/contest to keep it interesting. The objective of the game is to accumulate
the longest winning streak during the month-long Challenge Period by selecting the winning team (or player) in
advance of an ongoing variety of matchups. You will also be able to bet your tokens (TOKENS) to help you win the
overall Player's Club prize. Choose correctly and win 2x your wager of TOKENS, choose incorrectly and lose it.

All participants start at zero. Your streak is measured by the number of consecutive matchup you select the correct
winner of. If you win a matchup your streak continues, if you lose it you're back to 0.

You are not required to play every day, but the more matchups you predict successfully, the longer the streak!

No. The game is designed so you can only make one pick at a time. This gives you the challenge to come back after
each pick is final and make another. Note that even if you have a matchup picked you can still change it as long as the
matchup hasn't started yet.

In the event a matchup that you selected does not take place (for any reason), your streak will NOT end, rather the
matchup will be listed as "Cancelled", "Postponed" or "OFF" and scored as a "PUSH".

No! Any matchup that goes final with a PUSH result is scored as if the event didn't happen.

TOKENS is tokens used when wagering on a pick in our PICK EM game.

Every member that registers is automatically credited with at least 10 TOKENS to start. There are additional ways to
get more TOKENS. See more details here.

No. You do not have to wager any TOKENS to make a pick. The option to wager TOKENS is simply for purposes
of increasing your TOKENS balance for an opportunity to win the Player’s Club prize at the end of the month.

If you win, you win 2X the amount of your wager.

The matchups which appear with the questions are considered "props", while the ones that don't are "straight up".
Props are manually entered by the Game Admin and can either be used to add a matchup around a specific event, or be
used to include an event which we do not have an automated feed for. Props also allow us to get creative in matching up
two completely different or unrelated sets of results (e.g. "Cole Hamel Pitch Count" vs. "Points scored by Philadelphia
76ers"). Straight up matchups are between two teams and you're asked to simply pick who will win the game. Props
can require a bit more thought and research in determining the winner. Regardless of picking a "prop" or "straight up"
matchup the end result for you is the same - either a win or a loss.

It depends on the sporting schedule around the world. There is no fixed limit to how many or how few
each day. We'll try to offer matchups at as many different time intervals as possible to maximize game play.

Yes. Any matchup can be entered six (6) hours prior to the matchups start time. In most cases the matchups you see at
midnight ET will be all that are included for the next day, but note we might add one or two late night or early morning.

Yes, matchups can be removed from the board or set as OFF at anytime. There are a number of different circumstances
which can lead this happening. The most common are weather delays where the Game Admin decides the matchup is
better off not played. This is done to ensure your matchup is not locked overnight, or blocks a significant amount of
the picks for the current day. In most cases this will not happen after a significant amount of time has taken place, or
the outcome is mostly already decided. Matchups can also be pulled off the board if a significant change in the winning
probability is determined.

There are many types of soccer matches added to our game. In tournament format matches (e.g. The English Carling
Cup), there are no "draws" therefore there must be a winner. In this case, overtime goals count towards the Streak score
because the match cannot end in a tie (unless noted otherwise), but if the match goes to penalty kicks, those do NOT.
In other leagues (e.g. The UEFA Champions League), teams play two matches against their specific opponent, also
known as an aggregate matchup. If match two of a specific aggregate is added to our board, the time allowed in our "total
points" matchup is for this specific match, which is only 90 minutes plus extra time. If the aggregate score is tied after
this completed match, the two teams continue to play until someone scores, which will advance them to the next round.

In the event that two (2) or more entrants are tied for the Grand Prize, the following tiebreakers will take place in the
indicated order:

1. Entry with the higher winning percentage during the Challenge Period.
2. Entry with more total wins during the Challenge Period.
3. Random Drawing.

Visit our Prize List page.

Velvet Deck's VOTE’EM is a challenging game/contest that puts your looks and social networking abilities to the
ultimate test. The objective of the game/contest is to accumulate the most total votes from the PLAYERS (members) by
the end of the month. Beauty alone may not be enough in this contest. You will need to engage with as many PLAYERS
as possible, because they and they alone determine who will be crowned the next Velvet Girl of the Month. We provide
you with the tools to succeed. Now it’s up to you to use them. For example, you are given TOKENS (virtual currency) that
the PLAYERS want. TOKENS allows them to vote more and it also puts them in the running to win their own contest –
the PLAYER with the most TOKENS at the end of the month also wins. See it is a simple, you scratch my back and I will
scratch yours! There is also a chat feature on the site, which allows for you to promote yourself as you network.

A TOKENS call is simply a Friend Request. When you send a TOKENS Call, that Player will receive by email
a request to be your friend. Once s/he accepts, you can then chat with them on the site. It’s very similar to Facebook!

Visit the Players Club page and click on ‘Give TOKENS’.

A Velvet Girl contestant can only win once each year.