Photography Contest

1. NO PURCHASE OR BANK TRANSACTION NECESSARY TO ENTER OR WIN.
2. SPONSOR: CITIZENS FIRST BANK
3. ELIGIBILITY: OPEN ONLY TO ALL PHOTOGRAPHERS AT LEAST 18 YEARS OLD AND ARE RESIDENTS OF THE UNITED STATES. Void where prohibited. All federal, state and local laws and regulations apply.
4. PROMOTION PERIOD: Entry period for Contest begins 12:00:00am CT on 08/15/2025 and ends at 11:59:00pm CT on 09/15/2025. Receipts of entry cannot be acknowledged.
5. TO ENTER: You may enter the following ways (Limit three total entries per entrant):
   1. Digital photos by email: During the Promotion Period you may enter the Contest by email.
      • PLEASE NAME the file using your first and last name. If you are entering more than one file, add a number to the end of your name starting with the number two. EXAMPLE: JohnDoe.jpg – JohnDoe2.jpg – JohnDoe3.jpg
      • Photos must be sent as high resolution JPEG files. Resolution should be at least 300 dpi. Any file resolution smaller than that can only be used as a small photo within the calendar.
      • Include the following information in your email as your entry form: Photographer First and Last Name, File Name(s), Photo of…(for each photo), Month and Location Photo Taken (for each photo), Photographer’s Phone Number, Photographer’s Email
      • Email your digital photo(s) to alewerenz@gocfb.bank with subject line: 2026 Calendar Contest
   2. Digital photos by mail: During the Promotion Period you may enter the Contest by mailing CD or storage drive of your photo(s) to Citizens First Bank, Attn: 2026 Calendar Contest, 1442 Lincoln Way, Clinton, IA.

WE ARE NOT ABLE TO ACCEPT ANY PRINTED PHOTOS.

6. Citizens First Bank is not responsible for incomplete, lost, late, illegible, or misdirected entries. All entries become the exclusive property of Citizens First Bank and will not be acknowledged or returned. By entering this Contest, entrants accept and agree to be bound by these Official Rules and the decisions of Citizens First Bank, which shall be final, binding and conclusive on all matters.

7. SELECTION: Winners will be selected from all valid entries received by Citizens First Bank. Winners will be notified by phone or email on or about 9/16/2025.  Need not be present to win.

8. WINNING: A selection of winning photos may appear in next year’s Citizens First Bank calendar and possibly in an exhibition at the bank’s offices, web site, or other communications. A public online vote may be utilized to help determine the winners. Thirteen or more photos will be selected as calendar images. Citizens First Bank reserves right to limit winning calendar photographs to one per entrant.  Odds of winning dependent upon number of entries.

9. GENERAL CONDITIONS: Each calendar winner is required to complete an Affidavit of Eligibility and Liability Release.

10. RELEASE OF LIABILITY: All entrants release Citizens First Bank, and its parents, affiliates, subsidiaries, officers, directors, agents, employees, advertising and promotion agencies and all others associated with the development and execution of this Contest from any and all liability with respect to, or in any way arising from, this Contest and/or acceptance of the prizes.

11. LEGAL DISCLAIMERS: By entering, participants release and hold harmless Citizens First Bank, its parent, subsidiary and affiliated companies as well as their directors, officers, employees, attorneys, agents and representatives from any and all liability for any injuries, loss, claim, action, demand or damage of any kind arising from or in connection with the calendar photo contest. By submitting to us your photographs and other material, you represent to us that you are the sole creator and owner of your work and that it is original, does not infringe the rights of any other person or entity, does not defame or invade the privacy of any person, and that you have the right and authority to grant to us the following right of use. You agree that the Citizens First Bank may publish, post online, edit, revise, and otherwise make unrestricted use of part or all of your work for commercial or non-commercial purposes, including, without limitation, publishing all or part of your work in the Citizens First Bank 2025 calendar, in print or online, or other works, or in advertising for the same or for Citizens First Bank publications. You agree that this grant of use is royalty-free and perpetual. By submitting to Citizens First Bank your work, you agree that we may use your name, image, city, and state of residence, and other biographical information that you may provide if we use your work, however, Citizens First Bank cannot guarantee that it will be able to provide acknowledgment in connection with all uses. In a case where Citizens First Bank cannot or does not provide such acknowledgment, you agree to waive any right to the same. Rights to use of the photos become the property of the Citizens First Bank. Citizens First Bank cannot be responsible for lost or misdirected photos. Citizens First Bank is not responsible for any incorrect or inaccurate information, whether caused by users or by any equipment or programming associated with or utilized by Citizens First Bank, or by any technical or human error that may occur in the processing of submissions to Citizens First Bank, including but not limited to any misprints or typographical errors. Citizens First Bank assumes no responsibility for any error, omission, interruption, deletion, defect, delay in operation or transmission, communications line failure, theft or destruction or unauthorized access to, or alteration of, entries. Citizens First Bank is not responsible for any problems or technical malfunction of any telephone network or lines, computer equipment, servers, providers, computer on-line systems, software, or failure of email on account of technical problems or traffic congestion on the Internet or at any website, including injury or damage to participant’s or to any other person’s computer related to or resulting from participating or uploading images or information. If, for any reason, Citizens First Bank is not capable of contest completion as planned, Citizens First Bank reserves the right at its sole discretion to cancel, terminate, modify or suspend the contest. In no event will Citizens First Bank, its parent, subsidiary, or affiliated companies or their respective advertising and promotional agencies, directors, officers, employees, attorneys, agents and representatives be responsible or liable for any damages or losses of any kind as a result of this contest.

12. No purchase or account is required to enter to win.

13. WINNERS LIST: The winners may be announced after notification and legal documentation of winners at Citizens First Bank locations or online or through other forms of communication.