Official Rules

NO PURCHASE IS NECESSARY TO ENTER OR WIN. PURCHASING PRODUCTS OR SERVICES FROM ASCEND FEDERAL CREDIT UNION WILL NOT IMPROVE YOUR CHANCES OF WINNING. EACH ENTRY HAS AN EQUAL CHANCE OF WINNING.

THE "2023 TICKET TUESDAY SWEEPSTAKES" (Sweepstakes) begins at 12:00 AM Central Daylight Time (CDT) on April 11 and ends at 11:59:59 PM CDT (Entry Deadline) on Aug. 18, 2023 (Sweepstakes Period). The Sweepstakes will consist of twenty (20) individual drawings. Each drawing will have its own Entry Period that will begin and end at a specified time. By entering this Sweepstakes, entrants accept and agree to be bound by these Official Rules. Sweepstakes void where prohibited by law.

WHO MAY ENTER: Entrants must be legal residents of Tennessee within a 100-mile radius of Ascend Amphitheater who are at least 18 years of age, have valid U.S. government issued identification and valid tax identification number. Ascend Federal Credit Union employees, officials, and members of their immediate families and household members of each (whether related or not) are not eligible to participate in the Sweepstakes. Immediate family is defined as spouse, child, sibling, parent, grandparent, grandchild, stepparents, step-children, step-siblings, and adoptive relationships. Business entities are not eligible to participate. Sweepstakes is void in Puerto Rico, U.S. territories and possessions outside of the United States, and where restricted or prohibited by law. All federal, state and local laws and regulations apply.

HOW TO ENTER: There is NO PURCHASE NECESSARY to participate in the Sweepstakes. A purchase does not increase your chances of winning. You will automatically receive one entry into the Sweepstakes when you like/follow Ascend Federal Credit Union on the social network you use to enter, like the relevant sweepstakes post on Ascend’s page, and comment on the relevant sweepstakes post on Ascend’s page during the Entry Period. All entries must comply with the Ascend Social Media usage guidelines. Actions must be completed during the Entry Period to qualify. Maximum number of entries allowed during each Entry Period via this method of entry is one (1).

ALTERNATIVE METHOD OF ENTRY (AMOE): Complete and submit a registration form in any Ascend branch during the Entry Period. Registration forms must be complete and accurate to qualify. Maximum number of entries allowed during each Entry Period via AMOE is one (1) per person. Ascend will not verify receipt of entries for entrants. All entries submitted become the sole property of Ascend and will not be returned. Sponsor is not responsible for lost, late, misdirected, illegible, or damaged AMOE entries. All registration form entries must be received during the Entry Period to qualify.

ENTRY PERIODS:

PRIZE/APPROXIMATE RETAIL VALUE (ARV): Each winner will receive a pair of tickets to a select concert. The ARV of each Prize as well as a description of each prize is listed in the table below. The number of winners chosen will vary and is detailed in the table below. Odds of winning are based upon the number of entries. If the prize remains unclaimed after one (1) business day of the first notification attempt, or the winner does not meet eligibility qualifications, a second random drawing will be held. The Prize will be transferred to the winner via email or text message. No transfer, substitution or cash equivalent permitted by winner. Sponsor reserves the right, in its sole discretion, to substitute the Prize with one of comparable or greater value. Winner is responsible for all costs and expenses not specifically stated as being included herein including, but not limited to, taxes and all personal costs and expenses. Sponsor makes no warranties with regard to the prize package. In the event of any difference between the stated ARV and the actual cost of the Prize, no refund or payment for any difference will be provided. No refund or value will be provided if a Prize is not or cannot be used, or is otherwise declined.

PRIZE DRAWING. The winners will be selected approximately one business day after the applicable Entry Period has ended by random drawing from all eligible entries received during each Entry Period. The prizes shall be provided to the winners within 45 days of the drawing.

The calculation of the odds of winning is dependent upon the number of eligible entries received.

NOTIFICATION OF WINNER. The Winner(s) may be announced on social media. The Winner(s) will be notified by social media direct message to the Winner(s) profile within five (5) business days of the Prize Drawing. If Sponsor is unable to receive personal confirmation from a Winner of being selected as a Winner within one (1) day from the first notification attempt, or if a Winner (i) is found to be ineligible, or (ii) fails to comply with the Official Rules, the Prize will be forfeited and an alternate potential winner may be selected from among all remaining eligible entries.

PUBLICITY. Entrants also acknowledge that his/her name and likeness may be available for public viewing through Ascend’s website and all other media. By submitting an entry, winner grants to Sponsor, its agents and others working on their behalf the right to publish the winner's name and likeness in Ascend’s advertising in any media, without additional compensation, unless otherwise prohibited by law.

CONDITIONS OF PARTICIPATION AND LIMITATIONS OF LIABILITY. Entrants agree to be bound by these rules and all decisions of the Sponsor, whose decisions will be final. If, for any reason, the fairness or integrity of the Sweepstakes becomes compromised, Sponsor reserves the right to terminate or modify the Sweepstakes, and to disqualify any individual who tampers with the entry process or the administration of the sweepstakes. Each entrant agrees to release, discharge, indemnify, and hold harmless the Sponsor and its parent companies, affiliates, directors, officers, employees, and agents, from any claims due to any injuries, damages, or losses to any person (including death) or property, resulting in whole or in part from acceptance or use of the Prize, or participation in the Sweepstakes. Sponsor and its parents, subsidiaries and affiliated companies, advertising, promotion or production agencies and all of their respective officers, directors, representatives, agents and employees are not responsible for lost, late, delayed, inaccurate, incomplete, or misdirected entries, or for electronic, network or computer failures or malfunctions, lost or unavailable network connections, or failed, incomplete, garbled or delayed computer transmissions that may limit an entrant’s ability to participate in this Sweepstakes, or for other hardware, software or technical errors of any kind, including, without limitation, errors or difficulties which may occur in connection with the administration of the Sweepstakes, the processing of entries, or with respect to any Sweepstakes‐related materials. Sponsor is not responsible for lost, stolen or misdirected shipments. Entrants waive any right to claim ambiguity with regard to the mechanics of the Sweepstakes or the interpretation of the Official Rules. Sponsor is not responsible for incorrect information caused by printing, technical, or human errors which may occur during the Sweepstakes. Sponsor assumes no responsibility for errors, omissions, interruptions, deletions, defects, delays, or the theft, loss, or destruction of entries. If, for any reason, the Sweepstakes is not capable of being conducted as planned because of tampering, intervention, fraud, technical failures, or any other reason (each an “Intervening Cause”), which affects the security, fairness, or proper execution of the Sweepstakes, Sponsor reserves the right to modify or cancel the Sweepstakes if prior to the end of the Sweepstakes Period, or otherwise award the Prize through a drawing from all eligible entries received which, in Sponsor’s opinion, were not affected by the Intervening Cause. All claims, judgments and awards shall be limited to actual out-of-pocket costs incurred but in no event attorney fees. Entrants waive any claim for punitive, incidental or consequential damages. With regard to the Prize awarded, Sponsor makes no express or implied warranty of merchantability or fitness for a particular purpose. Personal information provided to participate in the Sweepstakes is subject to Sponsor’s Privacy Policy found at Ascend.org and these Official Rules. Void where prohibited.

This promotion is in no way sponsored, endorsed or administered by, or associated with Facebook, Twitter, Instagram or any other social network or platform. By participating in this promotion, you agree to a complete release of Facebook, Twitter, Instagram from any claims. Participation in this promotion is subject to the Official Rules.

Live Nation is not a sponsor of the promotion and is in no way responsible for the administration of the promotion, the verification of winners, or the fulfillment of prizing. All inquiries regarding the promotion should be directed to Ascend and not to Live Nation.

Live Nation is a registered trademark of Live Nation Worldwide, Inc.

DISPUTES. All disputes arising under these Official Rules, or the rights and obligations related to the Sweepstakes, shall be governed by, and construed in accordance with, the laws of Tennessee, without giving effect to any choice of law or conflict of law rules, and the federal courts or state courts located within Coffee County, Tennessee, shall have exclusive jurisdiction over the matters herein.

RULES REQUEST. A copy of these Official Rules may be obtained at Ascend Federal Credit Union’s Administration Building, Marketing Dept., 520 Airpark Drive, Tullahoma, Tennessee 37388 or any Ascend branch, or by sending a request via email to marketing@ascend.org prior to the Entry Deadline.

WINNER’S LIST. For the names and addresses (city and state only) of the Winners, send a self-addressed stamped envelope postmarked by Nov. 6, 2023 to Ascend Federal Credit Union, Marketing Dept., 520 Airpark Drive, Tullahoma, Tennessee 37388.

SPONSOR. The sole sponsor of this promotion is Ascend Federal Credit Union, 520 Airpark Drive, Tullahoma, Tennessee 37388.

NO PURCHASE IS NECESSARY TO ENTER OR WIN. PURCHASING PRODUCTS OR SERVICES FROM ASCEND FEDERAL CREDIT UNION WILL NOT IMPROVE YOUR CHANCES OF WINNING. EACH ENTRY HAS AN EQUAL CHANCE OF WINNING.

The "2023 $250 Youth Sweepstakes" (Sweepstakes) begins at 12:00 AM Central Standard Time (CST) on Jan. 1, 2023 and ends at 11:59:59 PM Central Standard Time (CST) (Entry Deadline) on Dec. 31, 2023 (Sweepstakes Period). By entering this Sweepstakes, entrants accept and agree to be bound by these Official Rules. Sweepstakes void where prohibited by law.

WHO MAY ENTER: Entrants must have valid tax identification number. Entrants under the age of 18 must have his/her parent’s or legal guardian’s consent to enter. Ascend Federal Credit Union employees, officials, and members of their immediate families and household members of each (whether related or not) are not eligible to participate in the Sweepstakes. Immediate family is defined as spouse, child, sibling, parent, grandparent, grandchild, stepparents, step-children, step-siblings, and adoptive relationships. Business entities are not eligible to participate. Sweepstakes is void in Puerto Rico, U.S. territories and possessions outside of the United States, and where restricted or prohibited by law. All federal, state and local laws and regulations apply.

HOW TO ENTER: There is NO PURCHASE NECESSARY to participate in the Sweepstakes. A purchase does not increase your chances of winning. You will automatically receive one entry into the Sweepstakes when members who are age 12 or younger make a monthly deposit of at least $10 into their primary Ascend account during the Sweepstakes Period. Maximum number of entries allowed during the Sweepstakes Period via this method of entry is one.

ALTERNATIVE METHOD OF ENTRY (AMOE): Complete and submit a registration form in any Ascend branch during the Sweepstakes Period. Registrations forms must be complete and accurate to qualify. Maximum number of entries allowed during the Sweepstakes Period via AMOE is one per person. Ascend will not verify receipt of entries for entrants. All entries submitted become the sole property of Ascend and will not be returned. Sponsor is not responsible for lost, late, misdirected, illegible, or damaged AMOE entries. All registration form entries must be received by the Entry Deadline to qualify.

Prize/Approximate Retail Value (ARV): The Winner will receive a $250 cash prize. The ARV of the Prize is $250. One winner will be chosen in a random drawing on or by Feb. 28, 2024 and contacted via phone call, email or mail. Odds of winning are based upon the number of entries. If the prize remains unclaimed after April 20, 2024 the prize will be forfeited. If the Winner does not meet eligibility qualifications, a second random drawing will be held. The Prize will be automatically credited to the Winner’s account or, for non-members, scheduled to be picked up, within 30 days of drawing, at the Ascend Federal Credit Union Administration Building at 520 Airpark Drive, Tullahoma, Tennessee 37388. No transfer, substitution or cash equivalent permitted by winner. Sponsor reserves the right, in its sole discretion, to substitute the Prize with one of comparable or greater value. Winner is responsible for all costs and expenses not specifically stated as being included herein including, but not limited to, taxes and all personal costs and expenses. Sponsor makes no warranties with regard to the prize package. In the event of any difference between the stated ARV and the actual cost of the Prize, no refund or payment for any difference will be provided. No refund or value will be provided if a Prize is not or cannot be used, or is otherwise declined.

Prize Drawing. The Winner will be selected by Feb. 28, 2024 by random drawing from all eligible entries received during the Sweepstakes Period. The prize shall be provided to the Winner by April 27, 2024.

The calculation of the odds of winning is dependent upon the number of eligible entries received.

Notification of Winner. The Winner may be announced on social media or in a press release. The Winner will be notified via phone call, email or mail by April 1, 2024. If Sponsor is unable to receive personal confirmation from a Winner of being selected as a Winner by April 20, 2024, or if a Winner (i) is found to be ineligible, or (ii) fails to comply with the Official Rules, the Prize will be forfeited and an alternate potential winner may be selected from among all remaining eligible entries.

Publicity. Entrants also acknowledge that his/her name and likeness may be available for public viewing through Ascend’s website and all other media. By submitting an entry, Winner grants to Sponsor, its agents and others working on their behalf the right to publish the Winner’s name and likeness in Ascend’s advertising in any media, without additional compensation, unless otherwise prohibited by law.

Conditions of Participation and Limitations of Liability. Entrants agree to be bound by these rules and all decisions of the Sponsor, whose decisions will be final. If, for any reason, the fairness or integrity of the Sweepstakes becomes compromised, Sponsor reserves the right to terminate or modify the Sweepstakes, and to disqualify any individual who tampers with the entry process or the administration of the sweepstakes. Each entrant agrees to release, discharge, indemnify, and hold harmless the Sponsor and its parent companies, affiliates, directors, officers, employees, and agents, from any claims due to any injuries, damages, or losses to any person (including death) or property, resulting in whole or in part from acceptance or use of the Prize, or participation in the Sweepstakes. Sponsor and its parents, subsidiaries and affiliated companies, advertising, promotion or production agencies and all of their respective officers, directors, representatives, agents and employees are not responsible for lost, late, delayed, inaccurate, incomplete, or misdirected entries, or for electronic, network or computer failures or malfunctions, lost or unavailable network connections, or failed, incomplete, garbled or delayed computer transmissions that may limit an entrant’s ability to participate in this Sweepstakes, or for other hardware, software or technical errors of any kind, including, without limitation, errors or difficulties which may occur in connection with the administration of the Sweepstakes, the processing of entries, or with respect to any Sweepstakes-related materials. Sponsor is not responsible for lost, stolen or misdirected shipments. Entrants waive any right to claim ambiguity with regard to the mechanics of the Sweepstakes or the interpretation of the Official Rules. Sponsor is not responsible for incorrect information caused by printing, technical, or human errors which may occur during the Sweepstakes. Sponsor assumes no responsibility for errors, omissions, interruptions, deletions, defects, delays, or the theft, loss, or destruction of entries. If, for any reason, the Sweepstakes is not capable of being conducted as planned because of tampering, intervention, fraud, technical failures, or any other reason (each an “Intervening Cause”), which affects the security, fairness, or proper execution of the Sweepstakes, Sponsor reserves the right to modify or cancel the Sweepstakes if prior to the end of the Sweepstakes Period, or otherwise award the Prize through a drawing from all eligible entries received which, in Sponsor’s opinion, were not affected by the Intervening Cause. All claims, judgments and awards shall be limited to actual out-of-pocket costs incurred but in no event attorney fees. Entrants waive any claim for punitive, incidental or consequential damages. With regard to the Prize awarded, Sponsor makes no express or implied warranty of merchantability or fitness for a particular purpose. Personal information provided to participate in the Sweepstakes is subject to Sponsor’s Privacy Policy found at ascend.org and these Official Rules. Void where prohibited.

Disputes. All disputes arising under these Official Rules, or the rights and obligations related to the Sweepstakes, shall be governed by, and construed in accordance with, the laws of Tennessee, without giving effect to any choice of law or conflict of law rules, and the federal courts or state courts located within Coffee County, Tennessee, shall have exclusive jurisdiction over the matters herein.

Rules Request. A copy of these Official Rules may be obtained at Ascend Federal Credit Union’s Administration Building, Marketing Dept., 520 Airpark Drive, Tullahoma, Tennessee 37388 or any Ascend branch, or by sending a request via email to marketing@ascend.org prior to the Entry Deadline.

Winner’s List. For the name and address (city and state only) of the Winner, send a self-addressed stamped envelope postmarked by April 1, 2024 to Ascend Federal Credit Union, Marketing Dept., 520 Airpark Drive, Tullahoma, Tennessee 37388.

Sponsor. The sole sponsor of this promotion is Ascend Federal Credit Union, 520 Airpark Drive, Tullahoma, Tennessee 37388.

NO PURCHASE IS NECESSARY TO ENTER OR WIN. PURCHASING PRODUCTS OR SERVICES FROM ASCEND FEDERAL CREDIT UNION WILL NOT IMPROVE YOUR CHANCES OF WINNING. EACH ENTRY HAS AN EQUAL CHANCE OF WINNING.

The "2023 $1,000 Youth Sweepstakes" (Sweepstakes) begins at 12:00 AM Central Standard Time (CST) on Jan. 1, 2023 and ends at 11:59:59 PM Central Standard Time (CST) (Entry Deadline) on Dec. 31, 2023 (Sweepstakes Period). By entering this Sweepstakes, entrants accept and agree to be bound by these Official Rules. Sweepstakes void where prohibited by law.

WHO MAY ENTER: Entrants must be at least 18 years of age, have valid U.S. government issued identification and valid tax identification number. Ascend Federal Credit Union employees, officials, and members of their immediate families and household members of each (whether related or not) are not eligible to participate in the Sweepstakes. Immediate family is defined as spouse, child, sibling, parent, grandparent, grandchild, stepparents, step-children, step-siblings, and adoptive relationships. Business entities are not eligible to participate. Sweepstakes is void in Puerto Rico, U.S. territories and possessions outside of the United States, and where restricted or prohibited by law. All federal, state and local laws and regulations apply.

HOW TO ENTER: There is NO PURCHASE NECESSARY to participate in the Sweepstakes. A purchase does not increase your chances of winning. You will automatically receive one entry into the Sweepstakes when members who are age 18-24 have an active Ascend checking account, an active Ascend Visa credit card, and have elected e-statements during the Sweepstakes Period. Active checking account is defined as a non-delinquent account with a minimum of six (6) transactions (deposits or withdrawals) per month. Active Visa credit card is defined as a non-delinquent account with at least one transaction during the sweepstakes period. Maximum number of entries allowed during the Sweepstakes Period via this method of entry is one.

ALTERNATIVE METHOD OF ENTRY (AMOE): Complete and submit a registration form in any Ascend branch during the Sweepstakes Period. Registrations forms must be complete and accurate to qualify. Maximum number of entries allowed during the Sweepstakes Period via AMOE is one per person. Ascend will not verify receipt of entries for entrants. All entries submitted become the sole property of Ascend and will not be returned. Sponsor is not responsible for lost, late, misdirected, illegible, or damaged AMOE entries. All registration form entries must be received by the Entry Deadline to qualify.

Prize/Approximate Retail Value (ARV): The Winner will receive a $1,000 cash prize. The ARV of the Prize is $1,000. One winner will be chosen in a random drawing on or by Feb. 28, 2024 and contacted via phone call, email or mail. Odds of winning are based upon the number of entries. If the prize remains unclaimed after April 20, 2024 the prize will be forfeited. If the Winner does not meet eligibility qualifications, a second random drawing will be held. The Prize will be automatically credited to the Winner’s account or, for non-members, scheduled to be picked up, within 30 days of drawing, at the Ascend Federal Credit Union Administration Building at 520 Airpark Drive, Tullahoma, Tennessee 37388. No transfer, substitution or cash equivalent permitted by winner. Sponsor reserves the right, in its sole discretion, to substitute the Prize with one of comparable or greater value. Winner is responsible for all costs and expenses not specifically stated as being included herein including, but not limited to, taxes and all personal costs and expenses. Sponsor makes no warranties with regard to the prize package. In the event of any difference between the stated ARV and the actual cost of the Prize, no refund or payment for any difference will be provided. No refund or value will be provided if a Prize is not or cannot be used, or is otherwise declined.

Prize Drawing. The Winner will be selected by Feb. 28, 2024 by random drawing from all eligible entries received during the Sweepstakes Period. The prize shall be provided to the Winner by April 27, 2024.

The calculation of the odds of winning is dependent upon the number of eligible entries received.

Notification of Winner. The Winner may be announced on social media or in a press release. The Winner will be notified via phone call, email or mail by April 1, 2024. If Sponsor is unable to receive personal confirmation from a Winner of being selected as a Winner by April 20, 2024, or if a Winner (i) is found to be ineligible, or (ii) fails to comply with the Official Rules, the Prize will be forfeited and an alternate potential winner may be selected from among all remaining eligible entries.

Publicity. Entrants also acknowledge that his/her name and likeness may be available for public viewing through Ascend’s website and all other media. By submitting an entry, Winner grants to Sponsor, its agents and others working on their behalf the right to publish the Winner’s name and likeness in Ascend’s advertising in any media, without additional compensation, unless otherwise prohibited by law.

Conditions of Participation and Limitations of Liability. Entrants agree to be bound by these rules and all decisions of the Sponsor, whose decisions will be final. If, for any reason, the fairness or integrity of the Sweepstakes becomes compromised, Sponsor reserves the right to terminate or modify the Sweepstakes, and to disqualify any individual who tampers with the entry process or the administration of the sweepstakes. Each entrant agrees to release, discharge, indemnify, and hold harmless the Sponsor and its parent companies, affiliates, directors, officers, employees, and agents, from any claims due to any injuries, damages, or losses to any person (including death) or property, resulting in whole or in part from acceptance or use of the Prize, or participation in the Sweepstakes. Sponsor and its parents, subsidiaries and affiliated companies, advertising, promotion or production agencies and all of their respective officers, directors, representatives, agents and employees are not responsible for lost, late, delayed, inaccurate, incomplete, or misdirected entries, or for electronic, network or computer failures or malfunctions, lost or unavailable network connections, or failed, incomplete, garbled or delayed computer transmissions that may limit an entrant’s ability to participate in this Sweepstakes, or for other hardware, software or technical errors of any kind, including, without limitation, errors or difficulties which may occur in connection with the administration of the Sweepstakes, the processing of entries, or with respect to any Sweepstakes-related materials. Sponsor is not responsible for lost, stolen or misdirected shipments. Entrants waive any right to claim ambiguity with regard to the mechanics of the Sweepstakes or the interpretation of the Official Rules. Sponsor is not responsible for incorrect information caused by printing, technical, or human errors which may occur during the Sweepstakes. Sponsor assumes no responsibility for errors, omissions, interruptions, deletions, defects, delays, or the theft, loss, or destruction of entries. If, for any reason, the Sweepstakes is not capable of being conducted as planned because of tampering, intervention, fraud, technical failures, or any other reason (each an “Intervening Cause”), which affects the security, fairness, or proper execution of the Sweepstakes, Sponsor reserves the right to modify or cancel the Sweepstakes if prior to the end of the Sweepstakes Period, or otherwise award the Prize through a drawing from all eligible entries received which, in Sponsor’s opinion, were not affected by the Intervening Cause. All claims, judgments and awards shall be limited to actual out-of-pocket costs incurred but in no event attorney fees. Entrants waive any claim for punitive, incidental or consequential damages. With regard to the Prize awarded, Sponsor makes no express or implied warranty of merchantability or fitness for a particular purpose. Personal information provided to participate in the Sweepstakes is subject to Sponsor’s Privacy Policy found at ascend.org and these Official Rules. Void where prohibited.

Disputes. All disputes arising under these Official Rules, or the rights and obligations related to the Sweepstakes, shall be governed by, and construed in accordance with, the laws of Tennessee, without giving effect to any choice of law or conflict of law rules, and the federal courts or state courts located within Coffee County, Tennessee, shall have exclusive jurisdiction over the matters herein.

Rules Request. A copy of these Official Rules may be obtained at Ascend Federal Credit Union’s Administration Building, Marketing Dept., 520 Airpark Drive, Tullahoma, Tennessee 37388 or any Ascend branch, or by sending a request via email to marketing@ascend.org prior to the Entry Deadline.

Winner’s List. For the name and address (city and state only) of the Winner, send a self-addressed stamped envelope postmarked by April 1, 2024 to Ascend Federal Credit Union, Marketing Dept., 520 Airpark Drive, Tullahoma, Tennessee 37388.

Sponsor. The sole sponsor of this promotion is Ascend Federal Credit Union, 520 Airpark Drive, Tullahoma, Tennessee 37388.

NO PURCHASE IS NECESSARY TO ENTER OR WIN. PURCHASING PRODUCTS OR SERVICES FROM ASCEND FEDERAL CREDIT UNION WILL NOT IMPROVE YOUR CHANCES OF WINNING. EACH ENTRY HAS AN EQUAL CHANCE OF WINNING.

The "2024 Photo Calendar CONTEST" (Contest) begins at 7:00 AM Central Daylight Time (CDT) on September 11, 2023 and ends at 11:59:59 PM CDT (Entry Deadline) on SEPTEMBER 22, 2023 (Contest Period). By entering this Contest, entrants accept and agree to be bound by these Official Rules. Contest void where prohibited by law.

WHO MAY ENTER: All Ascend employees.

WHAT TO ENTER: Horizontal landscape/cityscape photos of Tennessee. Animals, plants and landscapes; geological or climatological features. Photos including recognizable people will not be accepted.

To be eligible, a photograph must have been shot by the entrant in the state of Tennessee. The contestant certifies that he/she is the sole creator and copyright owner of the submitted photograph.

Cropped photos are eligible. We do not accept digitally or otherwise significantly enhanced or altered photos. Minor adjustments, including the removal of sensor dust or scratches on scans of negatives, dodging and burning, sharpening, contrast, toning, slight color adjustment and conversion to grayscale are acceptable. If the judges determine that a photographer has altered his or her photo, they reserve the right to disqualify it.

Similarly, entrants whose photos depict other people’s work (such as sculptures, statues, paintings, and other copyrightable works) must be prepared to provide a release from the rights holder to Ascend upon request. When photographing the work of others, it must be as an object in its environment and not a full-frame close-up of another person's creation. If the entrant is unable to provide all required releases, Ascend in its sole discretion reserves the right to disqualify the submission, seek to secure the required releases, or permit the submission to remain in the Contest.

Photos that violate or infringe upon another person's rights, including but not limited to copyright, are not eligible. Photos that contain sexually explicit, nude, obscene, violent or other objectionable or inappropriate content, as determined by Ascend in its sole discretion, are ineligible.

Ethics: Entrants must disclose the circumstances under which an image was captured as well as any instructions given to a subject. The welfare of a subject and its environment must be placed ahead of the desire to capture a photograph. Upon entering the contest, entrants certify that subjects were treated with respect and dignity, and that no people, wildlife or the environment were harmed in creating a photograph. If baiting was used to attract wildlife, or special equipment such as camera traps and drones used to capture the photograph, this must be disclosed. Live baiting of wildlife is not permitted.

HOW TO ENTER: Please submit photographs and requested information online through our website at ascend.org/employee-photo-calendar-contest. You may submit up to three (3) photographs, but only one entered photo will be selected for calendar inclusion. Photographs must be landscape orientation, and submitted in .jpeg, .jpg or .tiff format, 2250x1750 at 300 PPI.

We do not accept photographs submitted through the mail and do not accept more than one contestant per email address. High-quality scans of non-digital photographs are acceptable. Digital photographs should be taken at the highest resolution possible. Ascend may collect a photograph’s metadata upon entry.

Photographer will retain all rights to photograph submissions. By submitting your image(s), you grant Ascend Federal Credit Union limited rights to your photograph if you are the employee winner. Ascend Federal Credit union will be allowed to use the image to print the 2024 photo calendar, to use the photo to promote the current and future photo calendar competitions, and to use the photo in our quarterly newsletter. Any photograph reproduced will include a photographer credit as feasible. Ascend will not be required to pay any additional consideration or seek any additional approval in connection with such uses.

Judging: Photo entries will be judged based on creativity, quality, originality, responsiveness to the prompt and overall impact. Ascend will select up to nine winners. Ascend will notify winners via email. Photos will be selected by a committee of Ascend Federal Credit Union Employees to be printed in the 2024 Ascend Photo Calendar. The photos will be judged on good lighting, color, and composition. Photographer’s names will be hidden from the committee to prevent any potential conflicts of interest or bias.

PRIZE: Up to nine winners will have their images featured on the back cover of the 2024 Ascend Photo Contest Calendar.

Notification of Winners. Winners will be notified via email within five days of the committee’s selections.

Conditions of Participation and Limitations of Liability. Entrants agree to be bound by these rules and all decisions of the Sponsor, whose decisions will be final. If, for any reason, the fairness or integrity of the Contest becomes compromised, Sponsor reserves the right to terminate or modify the Contest, and to disqualify any individual who tampers with the entry process or the administration of the Contest. Each entrant agrees to release, discharge, indemnify, and hold harmless the Sponsor and its parent companies, affiliates, directors, officers, employees, and agents, from any claims due to any injuries, damages, or losses to any person (including death) or property, resulting in whole or in part from acceptance or use of the Prize, or participation in the Contest. Sponsor and its parents, subsidiaries and affiliated companies, advertising, promotion or production agencies and all of their respective officers, directors, representatives, agents and employees are not responsible for lost, late, delayed, inaccurate, incomplete, or misdirected entries, or for electronic, network or computer failures or malfunctions, lost or unavailable network connections, or failed, incomplete, garbled or delayed computer transmissions that may limit an entrant’s ability to participate in this Contest, or for other hardware, software or technical errors of any kind, including, without limitation, errors or difficulties which may occur in connection with the administration of the Contest, the processing of entries, or with respect to any Contest-related materials. Sponsor is not responsible for lost, stolen or misdirected shipments. Entrants waive any right to claim ambiguity with regard to the mechanics of the Contest or the interpretation of the Official Rules. Sponsor is not responsible for incorrect information caused by printing, technical, or human errors which may occur during the Contest. Sponsor assumes no responsibility for errors, omissions, interruptions, deletions, defects, delays, or the theft, loss, or destruction of entries. If, for any reason, the Contest is not capable of being conducted as planned because of tampering, intervention, fraud, technical failures, or any other reason (each an “Intervening Cause”), which affects the security, fairness, or proper execution of the Contest, Sponsor reserves the right to modify or cancel the Contest if prior to the end of the Contest Period, or otherwise award the Prize through a drawing from all eligible entries received which, in Sponsor’s opinion, were not affected by the Intervening Cause. All claims, judgments and awards shall be limited to actual out-of-pocket costs incurred but in no event attorney fees. Entrants waive any claim for punitive, incidental or consequential damages. With regard to the Prize awarded, Sponsor makes no express or implied warranty of merchantability or fitness for a particular purpose. Personal information provided to participate in the Contest is subject to Sponsor’s Privacy Policy found at Ascend.org and these Official Rules. Void where prohibited.

Disputes. All disputes arising under these Official Rules, or the rights and obligations related to the Contest, shall be governed by, and construed in accordance with, the laws of Tennessee, without giving effect to any choice of law or conflict of law rules, and the federal courts or state courts located within Coffee County, Tennessee, shall have exclusive jurisdiction over the matters herein.

Sponsor. The sole sponsor of this promotion is Ascend Federal Credit Union, 520 Airpark Drive, Tullahoma, Tennessee 37388.

NO PURCHASE IS NECESSARY TO ENTER OR WIN. PURCHASING PRODUCTS OR SERVICES FROM ASCEND FEDERAL CREDIT UNION WILL NOT IMPROVE YOUR CHANCES OF WINNING. EACH ENTRY HAS AN EQUAL CHANCE OF WINNING.

The "Young Adult Account Sweepstakes" (Sweepstakes) begins at 9:00 AM Central Daylight Time CT on August 1, 2023, and ends at 11:59:59 PM CT (Entry Deadline) on November 15, 2013 (Sweepstakes Period). By entering this Sweepstakes, entrants accept and agree to be bound by these Official Rules. Sweepstakes void where prohibited by law.

WHO MAY ENTER: Entrants must be at least 18 years of age, have valid U.S. government issued identification and valid tax identification number. Ascend Federal Credit Union employees, officials, and members of their immediate families and household members of each (whether related or not) are not eligible to participate in the Sweepstakes. [Business entities are not eligible to participate.] Sweepstakes is void in Puerto Rico, U.S. territories and possessions outside of the United States, and where restricted or prohibited by law. All federal, state and local laws and regulations apply.

HOW TO ENTER: There is NO PURCHASE NECESSARY to participate in the Sweepstakes. A purchase does not increase your chances of winning. Entrants ages 18-24 will automatically receive one entry into the Sweepstakes for each debit card transaction made at a value of $5 or more during the Sweepstakes Period. Purchases must be processed by the Entry Deadline to qualify. There is no maximum number of transactions per this method of entry.

Alternative Method of Entry (AMOE): Visit any Ascend branch and fill out a paper entry form. There is no maximum number of entries allowed during the Sweepstakes Period via AMOE. Ascend will not verify receipt of entries for entrants. All entries submitted become the sole property of Ascend and will not be returned. Sponsor is not responsible for lost, late, misdirected, illegible, or damaged AMOE entries. All paper entries must be received by the Entry Deadline to qualify.

Prize/Approximate Retail Value (AVR): 2 $1,500 in Live Nation® e-gift cards ("Gift Cards"). Gift Cards may be used toward the purchase of tickets sold through the Live Nation and Ticketmaster websites and in the Live Nation mobile app for Live Nation-produced events in the United States and Canada. Gift Cards are not redeemable at venue box offices. Gift Cards cannot be used toward VIP Nation®, fan clubs, other gift cards and select ticket packages. Exclusions may apply to TM+, Platinum, Fan-to-Fan Resale, TicketsNow®, TicketExchange by Ticketmaster® and other tickets not sold directly by Live Nation. Other exclusions may apply. Gift Cards cannot be combined with other Gift Cards, gift certificates or other coupons. Gift Cards may not be used in connection with any marketing, advertising or promotional activities without Live Nation’s prior written approval and may not be transferred or sold other than through authorized Live Nation channels. Live Nation reserves the right to cancel a Gift Card if it believes that the Gift Card was obtained through fraudulent or unauthorized means. If the Gift Card holder’s purchase exceeds the amount of that Gift Card’s balance, the Gift Card holder must pay the difference by another means. Unused Gift Card balances are not transferable. Gift Cards are not returnable or redeemable for cash except in states where it is required by law. Use of Gift Cards constitutes acceptance of these terms and the additional terms found here, which are subject to change at any time without notice. The use of Gift Cards on the Live Nation and Ticketmaster websites are subject to the Terms of Use and Privacy Policy on each site. The ARV of the Prize is $3,000. 1 winner will be chosen in a random drawing on or by November 22, 2023, and contacted by phone and/or email.

Odds of winning are based upon the number of entries. If the prize remains unclaimed after December 2, 2023, or the winner does not meet eligibility qualifications, a second random drawing will be held. The Prize will be automatically credited to the Winner’s account or, for non-members, scheduled to be picked up, within 30 days of drawing, at the Ascend Federal Credit Union Administration Building at 520 Airpark Drive, Tullahoma, Tennessee 37388. No transfer, substitution or cash equivalent permitted by winner. Sponsor reserves the right, in its sole discretion, to substitute the Prize with one of comparable or greater value. Winner is responsible for all costs and expenses not specifically stated as being included herein including, but not limited to, taxes and all personal costs and expenses. Sponsor makes no warranties with regard to the prize package. In the event of any difference between the stated ARV and the actual cost of the Prize, no refund or payment for any difference will be provided. No refund or value will be provided if a Prize is not or cannot be used, or is otherwise declined.

Prize Drawing. The winners will be selected on November 22, 2023 at approximately 2:00 PM CT by random drawing from all eligible entries received during the Sweepstakes Period. The prizes shall be provided to the winners within 45 days of the drawing.

The calculation of the odds of winning is dependent upon the number of eligible entries received.

Notification of Winner. The Winners will be announced on Ascend Social Media. The Winners will be notified by phone and/or by e-mail within 5 business days of the Prize Drawing. If Sponsor is unable to receive personal confirmation from a Winner of being selected as a Winner within 3 days from the first notification attempt, or if a Winner (i) is found to be ineligible, or (ii) fails to comply with the Official Rules, the Prize will be forfeited and an alternate potential winner may be selected from among all remaining eligible entries.

Publicity By submitting an entry, winner grants to Sponsor, its agents and others working on their behalf the right to publish the winner's name and likeness, including voice, in Ascend’s advertising in any media, without additional compensation, unless otherwise prohibited by law.

Conditions of Participation and Limitations of Liability. Entrants agree to be bound by these rules and all decisions of the Sponsor, whose decisions will be final. If, for any reason, the fairness or integrity of the Sweepstakes becomes compromised, Sponsor reserves the right to terminate or modify the Sweepstakes, and to disqualify any individual who tampers with the entry process or the administration of the sweepstakes. Each entrant agrees to release, discharge, indemnify, and hold harmless the Sponsor, Live Nation Worldwide, Inc. (“Live Nation”), prize providers, promotional agencies, franchisees, and each of their respective parent companies, affiliates, subsidiaries, successors, assigns, agents, representatives, officers, directors, shareholders, and employees (collectively “Released Parties”), and from any claims due to any injuries, damages, or losses to any person (including death) or property, resulting in whole or in part from acceptance or use of the Prize, or participation in the Sweepstakes. The Released Parties are not responsible for lost, late, delayed, inaccurate, incomplete, or misdirected entries, or for electronic, network or computer failures or malfunctions, lost or unavailable network connections, or failed, incomplete, garbled or delayed computer transmissions that may limit an entrant’s ability to participate in this Sweepstakes, or for other hardware, software or technical errors of any kind, including, without limitation, errors or difficulties which may occur in connection with the administration of the Sweepstakes, the processing of entries, or with respect to any Sweepstakes‐related materials. Sponsor is not responsible for lost, stolen or misdirected shipments. Entrants waive any right to claim ambiguity with regard to the mechanics of the Sweepstakes or the interpretation of the Official Rules. Sponsor is not responsible for incorrect information caused by printing, technical, or human errors which may occur during the Sweepstakes. Sponsor assumes no responsibility for errors, omissions, interruptions, deletions, defects, delays, or the theft, loss, or destruction of entries. If, for any reason, the Sweepstakes is not capable of being conducted as planned because of tampering, intervention, fraud, technical failures, or any other reason (each an “Intervening Cause”), which affects the security, fairness, or proper execution of the Sweepstakes, Sponsor reserves the right to modify or cancel the Sweepstakes if prior to the end of the Sweepstakes Period, or otherwise award the Prize through a drawing from all eligible entries received which, in Sponsor’s opinion, were not affected by the Intervening Cause. All claims, judgments and awards shall be limited to actual out‐of‐pocket costs incurred but in no event attorney fees. Entrants waive any claim for punitive, incidental or consequential damages. With regard to the Prize awarded, Released Parties make no express or implied warranty of merchantability or fitness for a particular purpose. Personal information provided to participate in the Sweepstakes is subject to Sponsor’s Privacy Policy found at ascend.org and these Official Rules. Void where prohibited.

Disputes. All disputes arising under these Official Rules, or the rights and obligations related to the Sweepstakes, shall be governed by, and construed in accordance with, the laws of Tennessee, without giving effect to any choice of law or conflict of law rules, and the federal courts or state courts located within Coffee County, Tennessee, shall have exclusive jurisdiction over the matters herein.

Rules Request. A copy of these Official Rules may be obtained at Ascend Federal Credit Union, Marketing Dept., 520 Airpark Drive, Tullahoma, Tennessee 37388, or by sending a request via email to marketing@ascend.org prior to the Entry Deadline.

Winner’s List. For the names and addresses (city and state only) of the Winners, send a self‐addressed stamped envelope postmarked by December 2, 2023, to Ascend Federal Credit Union, Marketing Dept., 520 Airpark Drive, Tullahoma, Tennessee 37388.

Sponsor. The sole sponsor of this promotion is Ascend Federal Credit Union, 520 Airpark Drive, Tullahoma, Tennessee 37388.

Live Nation is not a Sponsor of the Sweepstakes and in no way responsible for the administration of the Sweepstakes, the verification of winners or the fulfillment of prizing. All inquiries regarding the Sweepstakes should be directed to Sponsor and not to Live Nation.

Live Nation, VIP Nation, TM+, TicketsNow and TicketExchange by Ticketmaster are trademarks of Live Nation Entertainment, Inc.

NO PURCHASE IS NECESSARY TO ENTER OR WIN. PURCHASING PRODUCTS OR SERVICES FROM ASCEND FEDERAL CREDIT UNION WILL NOT IMPROVE YOUR CHANCES OF WINNING. EACH ENTRY HAS AN EQUAL CHANCE OF WINNING.

The "2023 $500 Youth Sweepstakes" (Sweepstakes) begins at 12:00 AM Central Standard Time (CST) on Jan. 1, 2023 and ends at 11:59:59 PM Central Standard Time (CST) (Entry Deadline) on Dec. 31, 2023 (Sweepstakes Period). By entering this Sweepstakes, entrants accept and agree to be bound by these Official Rules. Sweepstakes void where prohibited by law.

WHO MAY ENTER: Entrants must be have valid tax identification number. Entrants under the age of 18 must have his/her parent’s or legal guardian’s consent to enter. Ascend Federal Credit Union employees, officials, and members of their immediate families and household members of each (whether related or not) are not eligible to participate in the Sweepstakes. Immediate family is defined as spouse, child, sibling, parent, grandparent, grandchild, stepparents, step-children, step-siblings, and adoptive relationships. Business entities are not eligible to participate. Sweepstakes is void in Puerto Rico, U.S. territories and possessions outside of the United States, and where restricted or prohibited by law. All federal, state and local laws and regulations apply.

HOW TO ENTER: There is NO PURCHASE NECESSARY to participate in the Sweepstakes. A purchase does not increase your chances of winning. You will automatically receive one entry into the Sweepstakes when members who are age 13-17 make a monthly deposit of at least $50 into their primary Ascend account during the Sweepstakes Period. Maximum number of entries allowed during the Sweepstakes Period via this method of entry is one.

ALTERNATIVE METHOD OF ENTRY (AMOE): Complete and submit a registration form in any Ascend branch during the Sweepstakes Period. Registration forms must be complete and accurate to qualify. Maximum number of entries allowed during the Sweepstakes Period via AMOE is one per person. Ascend will not verify receipt of entries for entrants. All entries submitted become the sole property of Ascend and will not be returned. Sponsor is not responsible for lost, late, misdirected, illegible, or damaged AMOE entries. All registration form entries must be received by the Entry Deadline to qualify.

Prize/Approximate Retail Value (ARV): The Winner will receive a $500 cash prize. The ARV of the Prize is $500. One winner will be chosen in a random drawing on or by Feb. 28, 2024 and contacted via phone call, email or mail. Odds of winning are based upon the number of entries. If the prize remains unclaimed after April 20, 2024 the prize will be forfeited. If the Winner does not meet eligibility qualifications, a second random drawing will be held. The Prize will be automatically credited to the Winner’s account or, for non-members, scheduled to be picked up, within 30 days of drawing, at the Ascend Federal Credit Union Administration Building at 520 Airpark Drive, Tullahoma, Tennessee 37388. No transfer, substitution or cash equivalent permitted by winner. Sponsor reserves the right, in its sole discretion, to substitute the Prize with one of comparable or greater value. Winner is responsible for all costs and expenses not specifically stated as being included herein including, but not limited to, taxes and all personal costs and expenses. Sponsor makes no warranties with regard to the prize package. In the event of any difference between the stated ARV and the actual cost of the Prize, no refund or payment for any difference will be provided. No refund or value will be provided if a Prize is not or cannot be used, or is otherwise declined.

Prize Drawing. The Winner will be selected by Feb 28, 2024 by random drawing from all eligible entries received during the Sweepstakes Period. The prize shall be provided to the Winner by April 27, 2024.

The calculation of the odds of winning is dependent upon the number of eligible entries received.

Notification of Winner. The Winner may be announced on social media or in a press release. The Winner will be notified via phone call, email or mail by April 1, 2024. If Sponsor is unable to receive personal confirmation from a Winner of being selected as a Winner by April 20, 2024, or if a Winner (i) is found to be ineligible, or (ii) fails to comply with the Official Rules, the Prize will be forfeited and an alternate potential winner may be selected from among all remaining eligible entries.

Publicity. Entrants also acknowledge that his/her name and likeness may be available for public viewing through Ascend’s website and all other media. By submitting an entry, Winner grants to Sponsor, its agents and others working on their behalf the right to publish the Winner’s name and likeness in Ascend’s advertising in any media, without additional compensation, unless otherwise prohibited by law.

Conditions of Participation and Limitations of Liability. Entrants agree to be bound by these rules and all decisions of the Sponsor, whose decisions will be final. If, for any reason, the fairness or integrity of the Sweepstakes becomes compromised, Sponsor reserves the right to terminate or modify the Sweepstakes, and to disqualify any individual who tampers with the entry process or the administration of the sweepstakes. Each entrant agrees to release, discharge, indemnify, and hold harmless the Sponsor and its parent companies, affiliates, directors, officers, employees, and agents, from any claims due to any injuries, damages, or losses to any person (including death) or property, resulting in whole or in part from acceptance or use of the Prize, or participation in the Sweepstakes. Sponsor and its parents, subsidiaries and affiliated companies, advertising, promotion or production agencies and all of their respective officers, directors, representatives, agents and employees are not responsible for lost, late, delayed, inaccurate, incomplete, or misdirected entries, or for electronic, network or computer failures or malfunctions, lost or unavailable network connections, or failed, incomplete, garbled or delayed computer transmissions that may limit an entrant’s ability to participate in this Sweepstakes, or for other hardware, software or technical errors of any kind, including, without limitation, errors or difficulties which may occur in connection with the administration of the Sweepstakes, the processing of entries, or with respect to any Sweepstakes-related materials. Sponsor is not responsible for lost, stolen or misdirected shipments. Entrants waive any right to claim ambiguity with regard to the mechanics of the Sweepstakes or the interpretation of the Official Rules. Sponsor is not responsible for incorrect information caused by printing, technical, or human errors which may occur during the Sweepstakes. Sponsor assumes no responsibility for errors, omissions, interruptions, deletions, defects, delays, or the theft, loss, or destruction of entries. If, for any reason, the Sweepstakes is not capable of being conducted as planned because of tampering, intervention, fraud, technical failures, or any other reason (each an “Intervening Cause”), which affects the security, fairness, or proper execution of the Sweepstakes, Sponsor reserves the right to modify or cancel the Sweepstakes if prior to the end of the Sweepstakes Period, or otherwise award the Prize through a drawing from all eligible entries received which, in Sponsor’s opinion, were not affected by the Intervening Cause. All claims, judgments and awards shall be limited to actual out-of-pocket costs incurred but in no event attorney fees. Entrants waive any claim for punitive, incidental or consequential damages. With regard to the Prize awarded, Sponsor makes no express or implied warranty of merchantability or fitness for a particular purpose. Personal information provided to participate in the Sweepstakes is subject to Sponsor’s Privacy Policy found at Ascend.org and these Official Rules. Void where prohibited.

Disputes. All disputes arising under these Official Rules, or the rights and obligations related to the Sweepstakes, shall be governed by, and construed in accordance with, the laws of Tennessee, without giving effect to any choice of law or conflict of law rules, and the federal courts or state courts located within Coffee County, Tennessee, shall have exclusive jurisdiction over the matters herein.

Rules Request. A copy of these Official Rules may be obtained at Ascend Federal Credit Union’s Administration Building, Marketing Dept., 520 Airpark Drive, Tullahoma, Tennessee 37388 or any Ascend branch, or by sending a request via email to marketing@ascend.org prior to the Entry Deadline.

Winner’s List. For the name and address (city and state only) of the Winner, send a self-addressed stamped envelope postmarked by April 1, 2024 to Ascend Federal Credit Union, Marketing Dept., 520 Airpark Drive, Tullahoma, Tennessee 37388.

Sponsor. The sole sponsor of this promotion is Ascend Federal Credit Union, 520 Airpark Drive, Tullahoma, Tennessee 37388.

NO PURCHASE IS NECESSARY TO ENTER OR WIN. PURCHASING PRODUCTS OR SERVICES FROM ASCEND FEDERAL CREDIT UNION WILL NOT IMPROVE YOUR CHANCES OF WINNING. EACH ENTRY HAS AN EQUAL CHANCE OF WINNING.

The "2024 Photo Calendar CONTEST" (Contest) begins at 7:00 AM Central Daylight Time (CDT) on September 11, 2023, and ends at 11:59:59 PM CDT (Entry Deadline) on September 22, 2023 (Contest Period). By entering this Contest, entrants accept and agree to be bound by these Official Rules. Contest void where prohibited by law.

WHO MAY ENTER: Entrants must be at least 18 years of age, have valid U.S. government issued identification and valid tax identification number. Ascend’s employees, officials, and members of their immediate families and household members of each (whether related or not) are not eligible to participate in the Contest. Immediate family is defined as spouse, child, sibling, parent, grandparent, grandchild, stepparents, step-children, step-siblings, and adoptive relationships. Business entities are not eligible to participate. Contest void in Puerto Rico, U.S. territories and possessions outside of the United States, and where restricted or prohibited by law. All federal, state and local laws and regulations apply.

WHAT TO ENTER: Horizontal scenic landscape or horizontal cityscape photos of Tennessee. This includes animals, plants and landscapes; geological, or climatological features. Photos including recognizable people will not be accepted.

To be eligible, a photograph must have been shot by the entrant in the state of Tennessee and location is to be identified within the caption submitted with the photo. The contestant certifies that he/she is the sole creator and copyright owner of the submitted photograph.

Cropped photos are eligible. We do not accept digitally or otherwise significantly enhanced or altered photos. Minor adjustments, including the removal of sensor dust or scratches on scans of negatives, dodging and burning, sharpening, contrast, toning, slight color adjustment and conversion to grayscale are acceptable. If the judges determine that a photographer has altered his or her photo, they reserve the right to disqualify it.

Similarly, entrants whose photos depict other people’s work (such as sculptures, statues, paintings, and other copyrightable works) must be prepared to provide a release from the rights holder to Ascend upon request. When photographing the work of others, it must be as an object in its environment and not a full-frame close-up of another person's creation. If the entrant is unable to provide all required releases, Ascend in its sole discretion, reserves the right to disqualify the submission, seek to secure the required releases, or permit the submission to remain in the Contest.

Photos that violate or infringe upon another person's rights, including but not limited to copyright, are not eligible. Photos that contain sexually explicit, nude, obscene, violent or other objectionable or inappropriate content, as determined by Ascend in its sole discretion, are ineligible.

Ethics: Entrants must disclose the circumstances under which an image was captured as well as any instructions given to a subject. The welfare of a subject and its environment must be placed ahead of the desire to capture a photograph. Upon entering the contest, entrants certify that subjects were treated with respect and dignity, and that no people, wildlife or the environment were harmed in creating a photograph. If baiting was used to attract wildlife, or special equipment such as camera traps and drones used to capture the photograph, this must be disclosed. Live baiting of wildlife is not permitted.

HOW TO ENTER: Please submit photographs and requested information online through our website at ascend.org/photo-calendar-contest. You may submit up to five (5) photographs, but only one entered photo will be selected for calendar inclusion. Photographs must be landscape orientation, and submitted in .jpeg, .jpg, .png or .tiff format, 2250x1750 at 300 PPI or larger.

We do not accept photographs submitted through the mail and do not accept more than one contestant per email address. High-quality scans of non-digital photographs are acceptable. Digital photographs should be taken at the highest resolution possible. Ascend may collect a photograph’s metadata upon entry.

Photographer will retain all rights to photograph submissions. By submitting your image(s), you grant Ascend Federal Credit Union limited rights to your photograph if you are one of the 13 winners. Ascend Federal Credit union will be allowed to use the image to print the 2024 photo calendar, to use the photo to promote the current and future photo calendar competitions, to use the photo in our quarterly Possibilities publication, and to use as the 2023 holiday greeting card, if Ascend chooses. Any photograph reproduced will include a photographer credit as feasible. Ascend will not be required to pay any additional consideration or seek any additional approval in connection with such uses.

Judging: Photo entries will be judged based on quality, originality, creativity, responsiveness to the prompt and overall impact. Ascend will select 13 winners. Ascend will notify winners via the contact information provided at the time of entry; Ascend may disqualify anyone who fails to respond to the notification within three days. Photos will be selected by a committee of Ascend Federal Credit Union Employees to be printed in the 2024 Ascend Photo Calendar. The photos will be judged on good lighting, color, and composition. Photographer’s names will be hidden from the committee to prevent any potential conflicts of interest or bias.

PRIZE: 13 winners will have their images featured in the 2024 Ascend Photo Contest Calendar. One Grand Prize Winner will have their photo featured on the front cover of the calendar, and 12 First Prize winners will have their photos featured within the calendar. If a Winner does not meet eligibility qualifications, an alternate selection will be made. No transfer, substitution, or cash equivalent is permitted by winner. Sponsor reserves the right, in its sole discretion, to substitute the Prize with one of comparable or greater value. Winner is responsible for all costs and expenses not specifically stated as being included herein, including, but not limited to, taxes and all personal costs and expenses. Sponsor makes no warranties about the prize package. No refund or value will be provided if a Prize is not or cannot be used or is otherwise declined.

Notification of Winners: The Winners may be announced on social media or in a press release. Winners will be notified via phone call, email or mail within five days of the committee’s selections. If Sponsor is unable to receive personal confirmation from a Winner of being selected as a Winner within three days, or if a Winner (i) is found to be ineligible, or (ii) fails to comply with the Official Rules, the Prize will be forfeited and an alternate potential winner may be selected from among all remaining eligible entries.

Publicity: Entrants also acknowledge that their name and likeness may be available for public viewing through Ascend’s website and all other media. By submitting an entry, Winner grants to Sponsor, its agents and others working on their behalf the right to publish the Winner’s image, name and likeness in Ascend’s advertising in any media, without additional compensation, unless otherwise prohibited by law. Ascend may use images for marketing, promotional, and display purposes on our website, social media accounts and any other promotional platforms.

Conditions of Participation and Limitations of Liability. Entrants agree to be bound by these rules and all decisions of the Sponsor, whose decisions will be final. If, for any reason, the fairness or integrity of the Contest becomes compromised, Sponsor reserves the right to terminate or modify the Contest, and to disqualify any individual who tampers with the entry process or the administration of the Contest. Each entrant agrees to release, discharge, indemnify, and hold harmless the Sponsor and its parent companies, affiliates, directors, officers, employees, and agents, from any claims due to any injuries, damages, or losses to any person (including death) or property, resulting in whole or in part from acceptance or use of the Prize, or participation in the Contest. Sponsor and its parents, subsidiaries and affiliated companies, advertising, promotion or production agencies and all of their respective officers, directors, representatives, agents and employees are not responsible for lost, late, delayed, inaccurate, incomplete, or misdirected entries, or for electronic, network or computer failures or malfunctions, lost or unavailable network connections, or failed, incomplete, garbled or delayed computer transmissions that may limit an entrant’s ability to participate in this Contest, or for other hardware, software or technical errors of any kind, including, without limitation, errors or difficulties which may occur in connection with the administration of the Contest, the processing of entries, or with respect to any Contest-related materials. Sponsor is not responsible for lost, stolen or misdirected shipments. Entrants waive any right to claim ambiguity regarding the mechanics of the Contest or the interpretation of the Official Rules. Sponsor is not responsible for incorrect information caused by printing, technical, or human errors which may occur during the Contest. Sponsor assumes no responsibility for errors, omissions, interruptions, deletions, defects, delays, or the theft, loss, or destruction of entries. If, for any reason, the Contest is not capable of being conducted as planned because of tampering, intervention, fraud, technical failures, or any other reason (each an “Intervening Cause”), which affects the security, fairness, or proper execution of the Contest, Sponsor reserves the right to modify or cancel the Contest if prior to the end of the Contest Period, or otherwise award the Prize through a drawing from all eligible entries received which, in Sponsor’s opinion, were not affected by the Intervening Cause. All claims, judgments and awards shall be limited to actual out-of-pocket costs incurred but in no event attorney fees. Entrants waive any claim for punitive, incidental or consequential damages. With regard to the Prize awarded, Sponsor makes no express or implied warranty of merchantability or fitness for a particular purpose. Personal information provided to participate in the Contest is subject to Sponsor’s Privacy Policy found at Ascend.org and these Official Rules. Void where prohibited.

Disputes. All disputes arising under these Official Rules, or the rights and obligations related to the Contest, shall be governed by, and construed in accordance with, the laws of Tennessee, without giving effect to any choice of law or conflict of law rules, and the federal courts or state courts located within Coffee County, Tennessee, shall have exclusive jurisdiction over the matters herein.

Rules Request. A copy of these Official Rules may be obtained at Ascend Federal Credit Union’s Administration Building, Marketing Dept., 520 Airpark Drive, Tullahoma, Tennessee 37388 or any Ascend branch, or by sending a request via email to mktgmail@ascend.org prior to the Entry Deadline.

Winner’s List. For the name and address (city and state only) of the Winners, send a self-addressed stamped envelope postmarked by October 31, 2023 to Ascend Federal Credit Union, Marketing Dept., 520 Airpark Drive, Tullahoma, Tennessee 37388.

Sponsor. The sole sponsor of this promotion is Ascend Federal Credit Union, 520 Airpark Drive, Tullahoma, Tennessee 37388.

NO PURCHASE IS NECESSARY TO ENTER OR WIN. PURCHASING PRODUCTS OR SERVICES FROM ASCEND FEDERAL CREDIT UNION WILL NOT IMPROVE YOUR CHANCES OF WINNING. EACH ENTRY HAS AN EQUAL CHANCE OF WINNING.

The "2023 Lipscomb employee IMPACT campaign GIVEAWAY” (Sweepstakes) begins at 12:00 AM CST on Tuesday, September 12, 2023, and ends at 11:59:59 PM CST (Entry Deadline) on Wednesday, October 18, 2023 (Sweepstakes Period). By entering this Sweepstakes, entrants accept and agree to be bound by these Official Rules. Sweepstakes void where prohibited by law.

WHO MAY ENTER: Entrants must be at least 18 years of age, have valid U.S. government issued identification and a valid tax identification number, and be employed by Lipscomb University in Nashville, Tenn. Ascend Federal Credit Union employees, officials, and members of their immediate families and household members of each (whether related or not) are not eligible to participate in the Sweepstakes. [Business entities are not eligible to participate.] Sweepstakes is void in Puerto Rico, U.S. territories and possessions outside of the United States, and where restricted or prohibited by law. All federal, state and local laws and regulations apply.

HOW TO ENTER: There is NO PURCHASE NECESSARY to participate in the Sweepstakes. A purchase does not increase your chances of winning. You will automatically receive one entry into the Sweepstakes when you complete the online entry form during the Sweepstakes Period. Entries must be processed by the Entry Deadline to qualify. The maximum number of entries allowed during the Sweepstakes Period via this method of entry is one.

ALTERNATIVE METHOD OF ENTRY (AMOE): Complete and submit a paper registration form in Lipscomb’s Alumni Relations office during the Sweepstakes Period. Registration forms must be complete and accurate to qualify. The maximum number of entries allowed during the Sweepstakes Period via AMOE is one per person. Ascend will not verify receipt of entries for entrants. All entries submitted become the sole property of Ascend and will not be returned. Sponsor is not responsible for lost, late, misdirected, illegible, or damaged AMOE entries. All registration form entries must be received by the Entry Deadline to qualify.

Prize/Approximate Retail Value (ARV): The Prize is a Yeti Roadie 24 hard cooler or a Bose Bluetooth speaker. Two winners will be selected to receive one of the specified Prizes. The ARV of the cooler is $250, and the ARV of the speaker is $149. Two Winners will be chosen in a random drawing on or by Friday, October 20, 2023, at approximately 5:00 PM CST and contacted by email/telephone. Odds of winning are based upon the number of entries. If the Winner does not meet eligibility qualifications, a second random drawing will be held. No transfer, substitution or cash equivalent permitted by Winner. Sponsor reserves the right, in its sole discretion, to substitute the Prize with one of comparable or greater value. Winner is responsible for all costs and expenses not specifically stated as being included herein including, but not limited to, taxes and all personal costs and expenses. Sponsor makes no warranties with regard to the Prize package. In the event of any difference between the stated ARV and the actual cost of the Prize, no refund or payment for any difference will be provided. No refund or value will be provided if a Prize is not or cannot be used or is otherwise declined.

Prize Drawing: Two Winners will be selected on or by Friday, October 20, 2023, at approximately 5:00 PM CST by random drawing from all eligible entries received during the Sweepstakes Period. The Prizes shall be provided for the Winners to pick up or be delivered on Lipscomb’s campus.

The calculation of the odds of winning is dependent upon the number of eligible entries received.

Notification of Winner: The prize notification will be sent to the Winner’s email address and/or by telephone call to the address/number provided at time of entry. If a Winner (i) is found to be ineligible, or (ii) fails to comply with the Official Rules, the Prize will be forfeited, and an alternate potential Winner may be selected from among all remaining eligible entries.

Publicity: Entrants also acknowledge that his/her name and likeness, including voice, may be available for public viewing through Ascend’s website and social media. By submitting an entry, Winner grants to Sponsor, its agents and others working on their behalf the right to publish the Winner's name and likeness in Ascend’s advertising in any media, without additional compensation, unless otherwise prohibited by law.

Conditions of Participation and Limitations of Liability: Entrants agree to be bound by these rules and all decisions of the Sponsor, whose decisions will be final. If, for any reason, the fairness or integrity of the Sweepstakes becomes compromised, Sponsor reserves the right to terminate or modify the Sweepstakes, and to disqualify any individual who tampers with the entry process or the administration of the sweepstakes. Each entrant agrees to release, discharge, indemnify, and hold harmless the Sponsor and its parent companies, affiliates, directors, officers, employees, and agents, from any claims due to any injuries, damages, or losses to any person (including death) or property, resulting in whole or in part from acceptance or use of the Prize, or participation in the Sweepstakes. Sponsor and its parents, subsidiaries and affiliated companies, advertising, promotion or production agencies and all of their respective officers, directors, representatives, agents and employees are not responsible for lost, late, delayed, inaccurate, incomplete, or misdirected entries, or for electronic, network or computer failures or malfunctions, lost or unavailable network connections, or failed, incomplete, garbled or delayed computer transmissions that may limit an entrant’s ability to participate in this Sweepstakes, or for other hardware, software or technical errors of any kind, including, without limitation, errors or difficulties which may occur in connection with the administration of the Sweepstakes, the processing of entries, or with respect to any Sweepstakes-related materials. Sponsor is not responsible for lost, stolen or misdirected shipments. Entrants waive any right to claim ambiguity with regard to the mechanics of the Sweepstakes or the interpretation of the Official Rules. Sponsor is not responsible for incorrect information caused by printing, technical, or human errors which may occur during the Sweepstakes. Sponsor assumes no responsibility for errors, omissions, interruptions, deletions, defects, delays, or the theft, loss, or destruction of entries. If, for any reason, the Sweepstakes is not capable of being conducted as planned because of tampering, intervention, fraud, technical failures, or any other reason (each an “Intervening Cause”), which affects the security, fairness, or proper execution of the Sweepstakes, Sponsor reserves the right to modify or cancel the Sweepstakes if prior to the end of the Sweepstakes Period, or otherwise award the Prize through a drawing from all eligible entries received which, in Sponsor’s opinion, were not affected by the Intervening Cause. All claims, judgments and awards shall be limited to actual out-of-pocket costs incurred but in no event attorney fees. Entrants waive any claim for punitive, incidental or consequential damages. With regard to the Prize awarded, Sponsor makes no express or implied warranty of merchantability or fitness for a particular purpose. Personal information provided to participate in the Sweepstakes is subject to Sponsor’s Privacy Policy found at Ascend.org and these Official Rules. Void where prohibited.

Disputes: All disputes arising under these Official Rules, or the rights and obligations related to the Sweepstakes, shall be governed by, and construed in accordance with, the laws of Tennessee, without giving effect to any choice of law or conflict of law rules, and the federal courts or state courts located within Coffee County, Tennessee, shall have exclusive jurisdiction over the matters herein.

Rules Request: A copy of these Official Rules may be obtained at Ascend Federal Credit Union, Business Development Dept., 520 Airpark Drive, Tullahoma, Tennessee 37388 or by sending a request via email to bizdev@ascend.org, prior to the Entry Deadline.

Winners List: For the names and addresses (city and state only) of the Winners, send a self-addressed stamped envelope postmarked by November 30, 2023, to Ascend Federal Credit Union, Business Development Dept., 520 Airpark Drive, Tullahoma, Tennessee 37388.

Sponsor: The sole Sponsor of this promotion is Ascend Federal Credit Union, 520 Airpark Drive, Tullahoma, Tennessee 37388.