Smart about savings? Careful with credit?

1. Use the official Lights, Camera, Save! entry form below.
2. Get to work on your video – tell a creative story about the value of solid money management skills in a way that will appeal to other teens.
3. Submit your video and completed entry form by December 1st, 2024 to: promotions@waynebank.com

© 2024 American Bankers Association, Washington, D.C.
LIGHTS, CAMERA, SAVE! VIDEO CONTEST 2024-2025 OFFICIAL RULES
NO PURCHASE OR PAYMENT OF ANY KIND IS NECESSARY TO ENTER OR WIN. PURCHASE DOES NOT IMPROVE ODDS OF
WINNING. VOID WHERE PROHIBITED.

ELIGIBILITY. The Lights, Camera, Save! Video Contest (“Contest”) is open to legal residents of the
fifty (50) United States and the District of Columbia who live in the United States or the District
of Columbia and are between ages thirteen (13) and eighteen (18) as of October 1, 2024. Children of
employees and their immediate family and household members (whether or not related) of the American
Bankers Association Foundation (“ABAF”) (“Sponsor”), the American Bankers Association, any
participating financial institution (“PFI”), and any of their parent companies, affiliates,
subsidiaries, independent contractors, officers, directors, advertising and promotion agencies, and
all other entities or individuals associated with the development, administration, or fulfillment
of this Contest (collectively, the “Contest Entities”) are not eligible to participate in this
Contest. All applicable federal, state, and local laws and regulations apply.
CONTEST PERIOD. Contest begins at 12:00:00 a.m. Eastern Time (“ET”) on October 1, 2024 and ends at
11:59:59 p.m. ET on December 1, 2024 (“Contest Period”). Sponsor’s clock is the official timekeeper
for this Contest.

HOW TO ENTER. All entries must be received during the Contest Period and in the manner described in
the official entry packet to be eligible for prizes. Obtain an official entry packet from a PFI and
review and follow the instructions in the packet to enter the Contest. You (an “entrant”) can
participate in the Contest by: (1) submitting at your local PFI, if you are not a minor; or (2)
having your parent or legal guardian submit at your local PFI, if you are a minor, a completed
entry packet (entry form, Affidavit or Parent/Guardian (if applicable), and Affidavit of
Eligibility and Liability Release). In addition to the completed entry packet, you must also submit
electronically by December 1, 2024, an original video that conforms to the “Submission
Requirements” noted below (“Video”) by: (1) posting the Video on YouTube.com or other
PFI-designated social networking or video sharing websites (collectively, the “Designated
Websites”); and (2) providing the link to the Video in the completed entry packet.

An unlimited number of PFIs may participate in the Contest; however, Sponsor cannot guarantee that
each state and the District of Columbia will have at least one (1) PFI participating in the
Contest. There is no limit to the number of entries at each PFI. Prior to entering the Contest,
entrants (if not minors in their legal state of residence) or parents and/or legal guardians of
minor entrants must acknowledge that they agree: (1) to their/their child’s entry in the Contest;
and (2) that the Contest Entities shall have a license (discussed further in the “Use of Videos and
Entry Information” section below) in and to their/their child’s submitted Video (including all
material embodied therein) immediately upon submission.

SUBMISSION REQUIREMENTS. Limit one (1) Video per entrant, regardless of PFI and/or method of entry.
Submission of multiple Videos by or on behalf of the same entrant (including submission of one
Video at more than one PFI) will result in ineligibility with respect to all Videos submitted by or
on behalf of that entrant. Each Video and accompanying entry packet may have only one individual
listed as the entrant. Contest Entities shall consider the entrant to be the person whose name is
on the completed entry packet associated with a Video, regardless of how many other individuals
appear in and/or contribute to a Video.
Videos must concern a money-related topic and showcase sound personal financial skills, including
but not limited to budgeting, credit scores, retirement, protecting financial identity, paying for
college, and managing debt, keeping in mind the “Judging Criteria” section below.

Each Video submitted in connection with the Contest must be: (1) in English; (2) no more than
thirty (30) seconds in length; and (3) the entrant’s original work.
Videos must not, as determined in Sponsor’s sole and absolute discretion: (1) have ever been
previously published; (2) infringe upon any rights of any third party, including, without
limitation, copyright, trademark, and rights of publicity and/or privacy; (3) copy, incorporate, or
include music or video from any movies, commercials, radio, television, or the Internet, unless the
entrant is the lawful copyright owner of such material; (4) be or contain any content that is or
may be perceived as violent, immoral, defamatory, derogatory, offensive, illegal, sexually
suggestive, obscene, or similarly inappropriate, or that represents Contest Entities or any
financial institution

in a negative way or in any manner not consistent with their brand and/or reputation; (5) contain,
include, or encourage images or activities that are dangerous, unsafe, or present unreasonable risk
of harm to person or property; (6) suggest or imply to any person to undertake any dangerous,
unsafe, or unduly risky activity; (7) be dangerous or unsafe to make or produce; (8) contain any
mention, discussion, logo, trademark, service mark, storefront, trade dress, mascot, photograph, or
other image or intellectual property of any business or company without that entity’s prior written
consent; and (9) contain any names or private and/or sensitive information about the entrant or
anyone else. Such inappropriate Videos are strictly prohibited, and any Video in violation of the
above requirements and restrictions, as determined in Sponsor’s sole and absolute discretion, shall
be deemed void.
Videos do not have to include any people, but if a Video includes anyone other than the entrant,
that entrant (if not a minor in his/her legal state of residence) or that minor entrant’s parents
and/or legal guardians must have received each person’s permission to submit the Video for the
Contest prior to submitting the Video. By submitting a Video that includes pictures or images of
any people other than the entrant, that entrant (if not a minor in his/her legal state of
residence) or that minor entrant’s parents and/or legal guardians represent and warrant to Sponsor
that said entrant or parents and/or legal guardians of minor entrant have obtained express
permission of such people to submit a Video including their likeness or image to Sponsor in
connection with this Contest, with the understanding that upon submission, Contest Entities have a
license (as discussed in the “Use of Videos and Entry Information” section below) in and to the
Video.

By submitting a Video in the Contest, each entrant and, if the entrant is a minor, his/her parent
or legal guardian, represent and warrant that the above requirements have been met. Failure to
satisfy these requirements, as determined in Sponsor’s sole and absolute discretion, may result in
ineligibility with respect to all Videos submitted by or on behalf of that entrant.

GENERAL RULES. By submitting a Video in connection with the Contest, each entrant is granting to
Sponsor an exclusive license to use the Video, and an entrant or those acting on behalf of an
entrant may not during the Contest Period distribute, disseminate, sell, use, license, or post the
Video or any copies thereof in any medium (including other Internet sites, with the exception of
Designated Websites, as discussed in the “How to Enter” section above) without the prior express
written consent of Sponsor. Additionally, Videos cannot be entered in other contests or promotions.
Contest Entities and Releasees (as defined below) shall not be responsible for non-conforming,
lost, late, incomplete, inaccurate, delayed, undelivered, misdirected, or illegible entries or
Videos (or any component thereof) or for inaccurate entry information, whether caused by Sponsor or
entrant or by any computer, technical, or human error or malfunction that may occur in the
processing or judging of Videos, the administration of this Contest, or in the announcement of
prizes. Additionally, Contest Entities and Releasees (as defined below) shall not be responsible
for incorrect or changed URLs concerning Videos posted on Designated Websites. Incomplete and/or
duplicate Videos are not permitted and will be deemed void. The use of any device to automate the
entry and/or voting process is absolutely prohibited, and any such entries and/or votes shall be
void. Sponsor reserves the right, in its sole and absolute discretion, to void suspect Videos,
entries, and/or votes or to modify, cancel, terminate, or suspend the Contest should a virus, bug,
or other cause corrupt or impair the administration, security, or integrity of the Contest.

USE OF VIDEOS AND ENTRY INFORMATION. By entering this Contest and submitting a Video, each entrant
and, if the entrant is a minor, his/her parent(s) or legal guardian(s), as a condition of
participation in the Contest: (a) grants a royalty-free, perpetual, and irrevocable worldwide
license, regardless of subsequent assignment or ownership change, exclusive to Contest Entities
(except for the limited rights accorded to Designated Websites through their Terms of Use), to use,
edit, alter, adapt, modify, copy, reproduce, publish, display, distribute, transform, create
derivative works from, and otherwise show and use (unless prohibited by applicable law) the Video
(including all material embodied therein), in any way or in any media or form, now or hereafter
known or developed, in whole or in part, for trade, advertising, promotional, marketing,
commercial, trade, or other purposes as Contest Entities determine, in their sole and absolute
discretion. Neither entrants nor minor entrants’ parents and/or legal guardians shall have a right
of notice, review, or approval of any such use of the Video and/or entrant’s name. Each entrant and
minor entrant’s parent or legal guardian: (a) upon request by Contest Entities or their agents or
representatives, shall sign any documents for such purpose; (b) acknowledges and agrees that the
Video (or any part thereof) and/or the entrant’s name may be used in whole or in part, alone or in
combination with other works, and that the Video may be changed, altered, edited, modified, or used
in any other manner, as solely determined by Contest Entities; and (c) warrants and represents that
entrant has received all rights, releases, and permissions in writing that may be necessary from
any individual appearing in a Video and from the videographer of the Video to grant this license
for the use of the Video as stated.

JUDGING CRITERIA FOR THE PRELIMINARY AND FINAL ROUNDS. For the Preliminary and Final Rounds
(defined and discussed below), all Videos shall be judged based on the following weighted criteria:
(1) 40% for message (the content covered in the
© 2024 American Bankers Association, Washington, D.C.

Video should be relevant, concern a money-related topic, and showcase sound personal financial
skills, including but not limited to budgeting, credit scores, retirement, protecting financial
identity, paying for college, and managing debt); (2) 30% for production value, a/k/a presentation
quality; and (3) 30% for creativity. In the event of a tie in the Preliminary and/or Final Rounds,
Videos shall be rated on an additional category by the same panel of judges based on “overall
impression.” The rating for the “overall impression” category shall be based on a scale of one (1)
to ten (10), with one (1) being the lowest score and ten (10) being the highest score. The tie
shall be broken and awarded to the highest cumulative score of the “overall impression” category
rating from all participating judges.
SELECTION OF WINNERS.

Preliminary Round – PFI Selections: From December 2-9, 2024, each PFI shall judge all eligible
Videos submitted at its location based on the “Judging Criteria for the Preliminary and Final
Rounds” section above and select one (1) winning Video. PFIs that have more than one (1)
location/branch in a state may submit only one (1) winning Video per state. PFIs that have more
than one (1) location/branch in a state are responsible for coordinating, judging, and selecting
(based on the criteria in the “Judging Criteria” section above) one (1) winning Video from among
all Videos submitted to that PFI in a state. PFIs operating in multiple states may submit one
(1) winning Video from each state. The PFI for each state is responsible for notifying the entrant
(if not a minor) or parent or legal guardian (if a minor) of the entrant’s Video as being selected
as a winner in the Preliminary Round.

Second Round – Voting on Instagram : If a Video is selected as a winner by a PFI in the Preliminary
Round, the entrant (if not a minor) or parent or legal guardian of entrant (if a minor) must submit
a physical file of the Video to Sponsor between December 9, 2024 through January 5, 2025, as
described in the official entry packet.
Beginning on January 14, 2025, each Video that was selected as a winner by a PFI in the Preliminary
Round and whose entrant (if not a minor) or parent or legal guardian (if a minor) submitted a
physical file of the Video to ABAF from December 9, 2024 through January 5, 2025, will be posted in
randomly selected pairs of two (2) to the American Bankers Association official Instagram account
at “@americanbankersassociation” (“ABA Instagram Account”). Sponsor or its designees will randomly
select the pairings of Videos to compete to advance to the Final Round. In the event there is an
uneven number of Videos in the Second Round, three (3) Videos will be randomly selected by Sponsor
or its designees for a three (3)-way face-off, in which one (1) winner will be selected from those
three
(3) Videos to advance to the Final Round.

Voting for the Second Round will take place on or about January 14, 2025 through January 17, 2025
(“Voting Period”). The actual length of the Voting Period will depend on the number of eligible PFI
selected winners in the Preliminary Round, and Sponsor or its designees will advise of the specific
Voting Period on https://www.aba.com/advocacy/community-programs/lights- camera-save (the “Contest
Website”) on January 10, 2025. Only participants with active Instagram accounts will be able to
vote. Limit one (1) vote per Instagram account/profile per matchup of Videos. Submission of
multiple votes per matchup of Videos by or on behalf of the same Instagram account/profile will
result in ineligibility with respect to all votes submitted from that Instagram account/profile.
Each Video that receives the most votes in each two-way face-off (or three-way face-off in the
event there is an uneven number of Videos in the Second Round) will advance to the Final Round. In
the event of a tie in a two-way face-off (or three-way face-off in the event there is an uneven
number of Videos in the Second Round), the winner shall be determined by the Video that received
the higher score in the Preliminary Round.
Final Round: There will be a total of four (4) winners (each, as “Winner”) chosen in the Final
Round. Three (3) Winners will be chosen by Sponsor’s Choice, and one (1) Winner will be chosen by
Bankers’ Choice, as noted below.

Final Round – Sponsor’s Choice: Judging for the Final Round shall occur on or about January 21-24,
2025. Sponsor or its designees shall judge all eligible Videos selected as a winner in the Second
Round based on the “Judging Criteria for the Preliminary and Final Rounds” section above and shall
select the top five (5) finalists (“Finalists”). On February 7, 2025, the Finalists will be
announced on the ABA Instagram Account. From these Finalists, Sponsor shall select one (1) grand
prize Winner, one (1) second place Winner, and one (1) third place Winner. On or about February 24,
2025, the three Winners will be announced on the ABA Instagram Account. Winners do not have to be
present to win.

© 2024 American Bankers Association, Washington, D.C.

Final Round – Bankers’ Choice: At the 2025 Conference for Community Bankers (“Conference”),
currently scheduled for February 16-18, 2025, registered attendees of the Conference will be
allowed to vote in person or by Conference app while at the Conference, for their favorite Video
from the Finalists selected by Sponsor in the Final Round. Limit one vote per registered Conference
attendee. The submission of multiple votes by a registered Conference attendee will result in
ineligibility with respect to all votes submitted by that attendee. The Video with the most
eligible votes at the Conference shall win the Bankers’ Choice prize. The Bankers’ Choice Winner
will be announced at the Conference and on the Conference app on February 18, 2025 (or an alternate
date if the Conference is rescheduled). Winner does not have to be present to win. A Winner in
Bankers’ Choice may also be a Winner in Sponsor’s Choice.

PRIZES.

Final Round Prizes: Total of four (4) prizes (each, a “Prize,” and collectively, “Prizes”) awarded.

Sponsor’s Choice Prizes: One (1) Grand Prize Winner will receive $5,000. One (1) Second Place
Winner will receive $2,500. One
(1) Third Place Winner will receive $1,000. Each Sponsor’s Choice Winner (if not a minor) or parent
or legal guardian of each Sponsor’s Choice Winner (if a minor) is solely responsible for all costs
and expenses related to receipt and/or use of a Prize, including but not limited to taxes.

Bankers’ Choice Prize: One (1) Winner will receive a ‘content creator’ prize bundle comprised of
items of Sponsor’s choice related to video and social media creation, with a verifiable retail
value of $500. The Bankers’ Choice Winner (if not a minor) or parent or legal guardian of the
Bankers’ Choice Winner (if a minor) is solely responsible for all costs and expenses related to
receipt and/or use of a Prize, including but not limited to taxes.

Total Verifiable Retail Value of all Prizes: $9,000.
HOW TO CLAIM PRIZES.
On or about January 31, 2025 Sponsor or its designees will reasonably attempt to notify via
telephone and/or email each PFI from where the Final Round Winners’ Videos originated. Sponsor or
its designees will then reasonably attempt to notify each Final Round Winner (if not a minor) or
parent or legal guardian of each Final Round Winner (if a minor) of his/her or his/her child’s
winning status via the telephone number and/or email address provided in his/her entry packet. If
the Final Round Winner (if not a minor) or parent or legal guardian of a Final Round Winner (if a
minor) does not respond to the contact attempt within five (5) business days of the notification
date, or if the Final Round Winner (if not a minor) or parent or legal guardian of a Final Round
Winner (if a minor) declines a Prize, Sponsor or its designees may select another Final Round
Winner, at and in a manner to be determined in Sponsor’s sole and absolute discretion. Each Final
Round Winner (if not a minor) or each minor Final Round Winner’s parent or legal guardian must
confirm his/her or his/her child’s eligibility and accept the Prize on his/her or his/her child’s
behalf. To accept and receive a Prize, each Final Round Winner (if not a minor) or a parent or
legal guardian of a minor Final Round Winner must complete, sign, and return an Affidavit of
Eligibility (“Affidavit”) and, where lawful, Liability/Publicity Release (“Release”) (collectively,
“Affidavit and Release”) by February 7, 2025. If the indicated forms are not signed and returned by
the time indicated on the documents, or if a Final Round Winner does not meet the eligibility
criteria or is otherwise unwilling or unable to comply with these Official Rules, or cannot be
contacted by February 7, 2025, an alternate Final Round Winner may be selected at and in a manner
to be determined in Sponsor’s sole and absolute discretion.

ODDS. Odds of winning a Prize depend on the number of eligible entries received.

PUBLICITY. Unless prohibited by law, participation in the Contest constitutes each entrant’s and,
if the entrant is a minor, his/her parent or legal guardian’s consent for Contest Entities to use
each parent or legal guardian’s name (if the entrant is a minor) and the entrant’s name, age,
hometown, and state of residence for Contest or promotional purposes in any media now known or
later developed, without payment or consideration to the entrant or his/her parent(s) or legal
guardian(s). Acceptance of a Prize constitutes permission for Contest Entities and their designees
to use each Final Round Winner’s name, Video, photograph, image, likeness, and/or statement in any
manner and in any medium for purposes of advertising and trade without additional compensation,
authorization, or remuneration, except where prohibited by law. Winners will be announced on or
around February 24, 2025.

© 2024 American Bankers Association, Washington, D.C.

PRIVACY. Sponsor will collect personal data from entrants and parents and/or legal guardians of
minor entrants when they enter this Contest, and this information will be used for the purposes of
administering the Contest, publicizing the Contest, and other promotional purposes that benefit
Sponsor.

GENERAL CONDITIONS. By participating in this Contest, each entrant and, if the entrant is a minor,
his/her parent(s) or legal guardian(s) agrees to be bound by these Official Rules and the decisions
or interpretation of Sponsor or its designees regarding the Official Rules, which are final and
legally binding in all respects. In the event that a Prize cannot be awarded for any reason or a
Final Round Winner is not capable of redeeming a Prize for any reason, Sponsor shall not be
obligated to award any Prize, and Sponsor reserves the right, in its sole and absolute discretion,
whether or not to substitute a Prize (or portion of a Prize) with a prize of comparable or greater
value or cash value. If, for any reason, more than the stated number of Prizes are available and/or
claimed, Sponsor reserves the right to award the Prizes in such category by random drawing from
among eligible Prize claimants in such Prize category or in a manner to be determined by Sponsor in
its sole and absolute discretion. Non-compliance with these Official Rules may result in
disqualification. An individual is not a Winner until he/she and his/her parent(s) or legal
guardian(s), if Winner is a minor, have fully complied with these Official Rules. No transfer,
assignment, or substitution of a Prize is permitted. Prizes are not exchangeable for merchandise or
services.

GENERAL RELEASE AND WAIVER OF CLAIMS. By entering the Contest and/or accepting a Prize, each
entrant and, if the entrant is a minor, his/her parent(s) or legal guardian(s) (for himself/herself
and his/her heirs) hereby releases Contest Entities, Instagram, Designated Websites, and all of
their respective parents, subsidiaries, affiliates, advertising and promotion agencies, and all of
their respective directors, officers, governors, employees, shareholders, and agents (collectively,
the “Releasees”) from any and all liability, loss, harm, damage, cost, expense, or claims
including, but not limited to, third party claims based on: (a) publicity and/or privacy rights,
defamation, and intellectual property associated with the entrant or Winner’s participation in the
Contest, redemption of any Prize in connection with the Contest, and/or use or misuse of any Prize
in connection with the Contest, including, but not limited to, all reasonable counsel fees and
court costs incurred, property damage, personal injury, and/or death; (b) anything related to the
production, promotion, or execution of the Contest (or participation therein), including
preemption, cancellation, or rescheduling; and (c) anything that may occur in connection with
acceptance and/or use of the Prizes or while participating in the Contest, even if caused or
contributed to by the negligence of Releasees.

LIMITATIONS OF LIABILITY. Neither Sponsor nor any other Releasees shall be responsible for lost,
late, incomplete, stolen, misdirected, illegible, or incomplete entries. Neither Sponsor nor any
other Releasees shall be responsible for any incorrect or inaccurate information, whether caused by
Sponsor, Releasees, entrants, tampering, or by any of the equipment or programming associated with
or utilized in the Contest, and neither Sponsor nor any Releasees shall assume responsibility for
any error, omission, defect, theft, destruction, or unauthorized access to the materials related to
the Contest. Sponsor reserves the right, in its sole and absolute discretion, to disqualify any
individual found to be tampering with the entry process, the voting process, or the operation of
the Contest; to be acting in violation of these Official Rules; or to be acting in a
non-sportsmanlike or disruptive manner, or with intent or apparent intent to annoy, abuse,
threaten, embarrass, harm, or harass, in any way, any other person. If for any reason the Contest
is not capable of running as planned by reason of, but not limited to, business or market
circumstances, force majeure, public health concerns, tampering, unauthorized intervention, actions
by entrants or entrants’ parents and/or legal guardians, fraud, or any other causes which, Sponsor
in its sole and absolute discretion, deems could corrupt or affect the administration, security,
fairness, integrity, or proper conduct of the Contest, or the Contest is otherwise not capable of
running as planned, Sponsor reserve the right, in its sole and absolute discretion, to cancel,
terminate, modify, or suspend the Contest. If such malfunction, error, disruption, or damage
occurs, and it impairs the administration, security, fairness, integrity, or proper play of the
Contest, Sponsor may, in its sole and absolute discretion, suspend or terminate the Contest or any
portion thereof by posting a notice on www.lightscamerasave.com, the Contest Website, the ABA
Instagram Account, or at PFI locations. If the Contest or any portion of the Contest is terminated
before the end of the Contest Period, Sponsor may select Winners or the remaining Winners from all
eligible entries received as of the termination date of the Contest. IN NO EVENT WILL SPONSOR OR
ANY RELEASEES BE RESPONSIBLE OR LIABLE FOR ANY INJURIES, CLAIMS, ACTIONS, DAMAGES, LOSSES, OR
LIABILITY OF ANY KIND, INCLUDING DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES
RESULTING FROM OR ARISING FROM PARTICIPATION IN, OR THE PRODUCTION, PROMOTION, OR ADMINISTRATION
OF, THE CONTEST, OR ACCEPTANCE, POSSESSION, USE, MISUSE, OR NONUSE OF A PRIZE THAT MAY BE AWARDED.
WITHOUT LIMITING THE FOREGOING, ALL PRIZES ARE PROVIDED “AS IS” WITHOUT WARRANTY OF ANY KIND,
EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY,
FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. SOME JURISDICTIONS MAY NOT ALLOW THE
LIMITATIONS OR EXCLUSION OF LIABILITY FOR INCIDENTAL OR
© 2024 American Bankers Association, Washington, D.C.

© 2024 American Bankers Association, Washington, D.C.
CONSEQUENTIAL DAMAGES OR EXCLUSION OF IMPLIED WARRANTIES, SO SOME OF THE ABOVE LIMITATIONS OR
EXCLUSIONS MAY NOT APPLY TO YOU. CHECK YOUR LOCAL LAWS FOR ANY RESTRICTIONS OR LIMITATIONS
REGARDING THESE LIMITATIONS OR EXCLUSIONS. ANY ATTEMPT BY AN ENTRANT, AN ENTRANT’S PARENT OR LEGAL
GUARDIAN, OR ANY OTHER INDIVIDUAL TO DELIBERATELY UNDERMINE THE LEGITIMATE OPERATION OF THE CONTEST
IS A VIOLATION OF CRIMINAL AND CIVIL LAWS, AND SHOULD ANY SUCH ATTEMPT BE MADE, SPONSOR RESERVES
THE RIGHT TO SEEK DAMAGES FROM ANY SUCH PERSON TO THE FULLEST EXTENT PERMITTED BY LAW.
AGREEMENT TO OFFICIAL RULES. By participating in the Contest, each entrant and, if the entrant is a
minor, his/her parent(s) or legal guardian(s), fully and unconditionally agrees to and accepts
these Official Rules and the decisions of Sponsor and its designees, which are final and binding in
all matters relating to the Contest. By participating in the Contest, each entrant and, if the
entrant is a minor, his/her parent(s) or legal guardian(s), waives any right to claim ambiguity in
these Official Rules. In the event of any inconsistency with any other materials, these Official
Rules shall govern.

MISCELLANEOUS. Each entry and Video are subject to verification by Sponsor and its designees.

NON-WAIVER. The failure or delay by Sponsor or its designees in enforcing any particular clause,
provision, or aspect of these Official Rules shall not impact the validity, enforceability, or
effect of any other clause, provision, or aspect of these Official Rules.
VENUE AND APPLICABLE LAW. This Contest will be administered in the District of Columbia, and by
participating, all entrants and, if applicable, their parents and/or legal guardians agree that:
(a) the laws of the District of Columbia will apply exclusively to this Contest, and (b) any
dispute with respect to this Contest will be resolved exclusively in the federal courts located in
the District of Columbia.

WINNERS’ LIST. A list of Winners will be posted on the Contest Website upon notification and
confirmation of winners. Winners’ List will include each Winner’s first name, last initial, city,
state, PFI, and prize.

SPONSOR: The American Bankers Association Foundation

This Contest is in no way sponsored, endorsed, or administered by, or associated with Instagram or
any other individual or entity other than the Sponsor and the American Bankers Association.
© 2024 ABA Foundation. All Rights Reserved.