This Contest is subject to change without notice. No purchase, payment, or donation is required to win. Any taxes due on prizes are the responsibility of the recipient, and may require you to report income on Form 1099-INT or 1099-Misc. Consult a tax advisor for more information. 

By submitting a photograph, I hereby grant Watertown Savings Bank (WSB) the right to use it for publishing, advertising, promotion, or any other use for any purpose. I understand and agree that any such photograph will become the property of WSB and not returned. By virtue of my submission of a photograph displaying my image, or that of other persons or Club 50 Members (Photograph Participant(s)), I understand that I/we may be disclosing the fact or existence of my/our ownership of an account at WSB. To participate in the Contest, I understand that all parties must agree to waive their right to privacy in that regard, and to grant WSB the right to use a photograph for the purpose(s) described above. 

I represent and warrant that I have received express authorization from all Photograph Participants displayed in any photograph before submitting it to WSB, and understand that WSB will rely on my instructions regarding the use of such photographs in the Contest. I hereby hold WSB harmless from any and all liability that might arise or result from the Contest.