Any photograph submitted must be taken by the person completing the submission form.  Participation in our photo search grants Downriver Community Federal Credit Union (Downriver CU) a royalty-free, perpetual, non-exclusive license to display and distribute the entries in any media format, including use for any Downriver CU-related marketing and promotional purposes.  Any photograph containing a professional photographer's watermark will be ineligible to receive prize money or to be chosen for the annual calendar until an original photograph without the watermark is submitted (attribution is normally included for each use of the photograph).