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independent community bankers of america media guide

i n d e p e n d e n t b a n k e r M a g a z i n e

BESTBESTBESTBESTBESTBESTTHEWay To Reach

Community Banks!

2015 Media Information | ICBA Independent Banker®2

We Are Community Banking

ICBA Welcomes You to the Business of Community Banking!The Independent Community Bankers of America®, the nation’s voice for community banks, is the largest banking trade association in the country. ICBA will connect you with the largest segment of the banking industry, representing community banks of all sizes and charter types throughout the United States.

ICBA is the only national association dedicated exclusively to serving and protecting the interests of the community banking industry and the communities and customers they serve.

ContentsReach Community Banks (p.3)Market Dominance (p.4)Reader Engagement (p.5)Circulation & Distribution (p.6)ICBA Engagement (p.7)2015 Editorial Calendar (p.8-9)ICBA eNewsletters (p.10)IBmag eNews Exclusives (p.11)

Website Advertising (p.12)IB Webinars (p.14)Ancillary Opportunities (p.15)2015 ICBA Events & Sponsorship (p.16)Print Ad Sizes & Specifications (p.18)Digital Ad Sizes & Specifications (p.19)Contract Regulations (p.20)

32015 Media Information | ICBA Independent Banker®

Profile of the Typical ICBA Member Bank

Community banks are locally operated financial institutions that empower employees to make decisions to serve the diverse financial needs of local small businesses and consumers ensuring local economies continue to thrive and grow.

Asset Distribution of ICBA Member Banks

$Average assets:

303 MillionAverage number

of employees:71 People

Average number of branches:4 Locations

ICBA Member Banks Are Vital and Growing d

d

d

d

Source: FDIC, June 2014

328 Million74 People

24,000 locations nationwide

$1.3 trillion in assets

$1 trillion in deposits

$800 billion in loans to consumers, small businesses and agricultural community

Reach Community Banks

11%0-50 Million

10%500 Million-1 Billion

18%51-100 Million

32%101-200 Million 19%

201-500 Million

Asset Distributionof ICBA Member Banks

10%1 Billion+

4 Locations


Community Bankers’ #1 ChoiceMore readers choose ICBA Independent Banker® magazine as the primary source for community banking news than any other publication.

Independent Banker is Advertisers’ #1 ChoiceMore companies consistently advertise in ICBA IB magazine than in any other banking publication.

choose ICBA IndependentBanker Magazine

73%

ICBA Independent Banker : 227

CUNA : 165

Bank News : 99

ABA Banking Journal : 93

American Banker : 63

Advertising Pages Run (January – September 2014)

Signet Research IB magazine Reader Survey

238

65

110

83

Market Dominance

Bank News :

CUNA :

119


Independent Banker Readership Breakout by Title:

90% of ICBA Independent Banker magazine readers have taken at least one

action as a result of reading the magazine during the last 12 months.

l 81% passed an article from ICBA IB magazine to others. l 73% discussed an article in ICBA IB magazine with others. l 20% discussed an ad or saved an ad for future reference. l 19% visited an advertiser’s website after reading ICBA IB magazine. l 16% actively sought out and/or recommended products and services.

Reasons to Advertise in ICBA Independent Banker Magazine: l 89% more inclined to use a company they know is committed to supporting community banking l 80% felt advertising in ICBA IB magazine helps them learn about different products and services

20%EVP, SVP, VP

7%Director/Manager

62%CEO, President

6%Other

Readership Breakout

by Title

5%CTO, COO, CIO

Content Value 95% of readers rate the quality of articles in ICBA IB magazine as good or excellent.

Breadth of Content 91% of readers rate the variety of article topics in ICBA IB magazine as good or excellent.


Our Readers Are Deeply Engaged

91%

Breadth of Content

95%

Content Value


ICBA Independent Banker Magazine Is:

l mailed directly to Presidents, CEOs, and C-level staff of ICBA member community banks who make the decisions to buy.

l circulated nationally, averaging 13,000 printed copies per month with an average monthly pass-along rate of 2.4 people per subscriber and seen by more than 44,200 community banking leaders and decision-makers.

l distributed digitally twice a month to a opt-in subscriber base of over 60k.

ICBA Independent Banker® magazine is the only national publication that exclusively serves the needs of community bank leaders and is ranked the most important benefit of ICBA membership.

National Circulation Breakout by Region/State

ICBA works in partnership with state banking associations across the country to secure public policies in Washington D.C. that serve community banks, their customers and communities.

Central . . . . . . . . . . . 45%

Southeast . . . . . . . . .20%

Southwest . . . . . . . . 16%

Northeast . . . . . . . . 10%

Northwest . . . . . . . . . 9%

45%

20%16%

9%10%

Source: FDIC, June 2014

IB Circulation & Distribution


Every Issue Includes:

•ICBAChairman’sPerspective

•ICBAPresident&CEO’sColumn

•TechnologyInsights

•NewProduct&ServiceInfo

•ComplianceStrategies

•LendingTrends

•PaymentPlanning

•IndustryUpdates

...and more!

ICBA Engagement

ICBA Independent Banker® Magazine

ICBA’s flagship publication, Independent Banker, is the only national publication solely dedicated to addressing the needs of community bank decision-makers, and is consistently ranked the number one benefit of ICBA membership.

Every month, ICBA Independent Banker magazine presents timely information and opportunities for community bankers to learn, grow and effectively compete in the financial services marketplace

ICBA Corporate Associate Membership Demonstrate your company’s commitment to the community banking industry by joining ICBA as a Corporate Associate Member. ICBA member banks look to our approved Corporate Members to find the best products and services tailored to meet the specific needs of community bankers.

Corporate Associate Member Benefits Include:

l Mailing privileges to ICBA members

l Free listings in ICBA vendor directories (print and online)

l Special discounts in ICBA IB magazine, convention booths and more . . .

For more information, call Patricia Rajdl, AVP of ICBA Corporate Associate Membership, at (800) 422-7285, or download a brochure of benefits at http://www.icba.org/files/ICBASites/PDFs/cambrochure.pdf.

http://0w.icba.org/files/ICBASites/PDFs/Cambrochure.pdf

http://www.icba.org/files/ICBASites/PDFs/cambrochure.pdf


Showcase your New Products & Services in a Challenge/Solution Style format!ICBA Independent Banker® magazine’s June issue will focus on how new products and services help community banks do their job with greater efficiency and effectiveness. This must-read feature will delve into the process that begins with needs and ends with solutions, getting perspectives from both bankers and solution providers alike.

This specially designed section gives you the chance to highlight the industry-specific challenges community bankers face and the solutions your products/services provide to stay competitive in the marketplace.

InnovatIon ShowcaSe 2015 DeaDlIneSSpace Reservation: april 15 Copy/Photos Due: april 28

(See next page for advertorial options and material specifications.)

I C B A I n d e p e n d e n t B a n k e r ® M A g A z I n e p r e s e n t s

INNOVATION shOwcAseJUNe 2015

Call your sales contact & reserve your space today!Rachael Solomon at 612-336-9284 or [email protected]

Molly Yarosh at 612-373-9562 or [email protected]

Our experienced creative marketing team does the heavy lifting!All you need to do is:

1) Address a community bank challenge or concern 2) Highlight your company’s Solution 3) Describe how your company’s products/services can help!

We’ll create your Advertorial to include in the Solution Showcase!

Click on the promo image in the months of January, May, June, July, October and November for Special Section opportunities.

Advertise in the issue that community banks reference when planning 2008 technology purchases

SHOWcASEYoUR SeRVICESTeChNO Expo

WiTH THE pOWER Of ICBA

To help our bankers as they budget for the New Year, we have included a special section in the December issue of ICBA independent Banker highlighting technology and the companies offering technology products and services. ICBA’s Tech Buyers Guide or our “TechNO Expo” only exists in the pages of our publication. There is no need to travel to showcase your services—instead, ICBA independent Banker magazine brings the positive aspects of a Tech Expo to our readers, your customers in the pages of the December Issue.

DECEmBER ISSUE HIgHlIgHTS

INNOVATIVE BANkINg 2008—Community banks on the rise

BRANCH mAkEOVER Retrofitting existing structures to make them eco-friendly

ATm TRENDS Evaluating bringing ATM management in-house

CHECk CONVERSION Converting checks to ACH Debit

lENDER lIfE Market dynamics in student lending

CREDIT CARDS Truth in Lending Disclosure requirements

CONTINgENCY plANNINg Community Banks weather natural disasters

The TechNO Expo pages will highlight: > Implementing key technologies to support strategic business objectives,

> The role of technology in regulatory compliance and mitigating risks,

> Assessing multi-factor authentication solutions for securing banking applications.

©138 TWIN CITIES BUSINESS © MAY 2008

Virtual Booth #101—Electronics Disposition

Asset Recovery Corp. 2299 Territorial Rd. St. Paul, MN 55114651-602-0789www.assetrecoverycorp.com

Since 1987, Minnesota’s largest organizations have trusted Asset Recovery Corp. to safely manage their retired technology. ARC eliminates the risk of unauthorized data recovery while also maximizing the value of unwanted electronic assets.

Virtual Booth #102—Audio & Video Systems Integrator

Since 1974, AVI Systems has successfully partnered with architects, contractors, consultants, executives and educators to create state-of-the-art electronic classrooms, training facilities, auditoriums, conference rooms, boardrooms, arenas, courtrooms and many other projects that incorporate audio-visual systems.

Virtual Booth #103—Web Design & Development

Every Business has objectives. If yours involve the Web, we can help. We’re Aware Web Solutions-solving business problems using web technology is all we do. We can help you with anything from site design to e-commerce and e-marketing to content management systems. Because it’s your web. To learn more, visit us at www.awareweb.com.

Virtual Booth #104—Technology Service Provider Virtual Booth #106—Solutions Virtual Booth #108—Management Consulting

Virtual Booth #109— Telecom & IP Communications

Enventis2950 Xenium Lane N #138Plymouth, MN 55441763-577-3900www.enventis.com

When business communications technologies seem to generate as many problems as they solve, Enventis has found a better way. From IP Telephony and Internet services, to LANs/WANs, managed services, fiber interconnections, consulting, engineering —voice, video and data—we simplify business communications.

Virtual Booth #112—Executive Education

Metropolitan State UniversityTwin Cities Campus612-659-6000St. Paul Campus651-793-1300www.metrostate.edu

Metropolitan State is a comprehensive urban university providing high-quality, affordable education for working adults. It offers over 50 majors, 40 minors, 8 graduate programs and a doctorate in a richly diverse, student-centered environment.

Virtual Booth #110— IT Services, Phones, Printers

Loffler Companies, Inc.1101 East 78th StreetBloomington, MN 55420952-925-6800www.loffler.com

Your one call for office technology & services: digital copiers (HP, Canon, Konica Minolta), printers (HP & Kyocera), phones, IT services, dictation, FM & professional services. Integrated Solutions - from the spoken word to the printed page. Loffler.

Virtual Booth #111—Business Technology

Aware Web SolutionsPO Box 390236Minneapolis, MN 554391-800-783-8919www.awareweb.com

AVI Systems9675 W. 76th Street, Suite 200Eden Prairie, MN 55344952-949-3700www.avisystems.com

Clear North Technologies10300 Valley View Road, Suite 111Eden Prairie, MN [email protected]

Clear North Technologies is your trusted IT service advisor, providing secure practical solutions that work. We deliver better IT performance and better returns on your technology investments in a cost-effective manner. Visit our Web site today!

Marco, Inc.953 Westgate Drive, Suite 101St. Paul, MN 55114651-634-6100www.marconet.com

Marco is a 100% employee owned company that helps organizations manage their information by applying network expertise to voice, data, video, and print solutions. Marco’s furniture division–Marco Workplace Interiors–provides a full line of office furnishings and design services.

Virtual Booth #105— Telecommunications Virtual Booth #107—Web Site Consulting

EatonGolden7808 Creekridge Cir, Suite 315Minneapolis, MN 55439952-858-8200www.EatonGolden.com

L ist of Exhib itors

Asset Recovery Corp Booth 101AVI Systems Booth 102Aware Web Solutions Booth 103Clear North Technologies Booth 104Comcast Business Services Booth 105Computer Integration Technologies, Inc Booth 106EatonGolden Booth 107Endurant Business Solutions Booth 108Enventis Booth 109Loffler Companies, Inc. Booth 110Marco, Inc. Booth 111Metropolitan State University Booth 112Nexus Information Systems Booth 113Pictura Graphics Booth 114Plaudit Design Booth 115Ricoh Business Solutions Booth 116Robert Half Technology Booth 117Solutia Consulting Booth 118Video Guidance Booth 119Voice & Data Networks Booth 120

Welcome to the TechNO Expo VIRTUAL Show Floor Check out what our exhibitors have to offer—from telecommunication services to audio-visual equipment.

Comcast Business Services9705 Data ParkMinnetonka, MN 55343952-285-2324www.comcast.com/businessEmail: [email protected]

Turn your office on with Comcast Business Class Voice, Internet and TV for as little as $99 per month. Unlimited local and long distance calling, Microsoft® Outlook email, Sharepoint, and McAfee® security included, plus 24/7 local business-level support!

Computer Integration Technologies, Inc. (CIT)2375 Ventura DriveWoodbury, MN 55125651-450-0333www.cit-net.com

CIT is a Microsoft Gold Certified Partner & HP Business Partner that offers technology solutions to mid-market businesses. Solutions include providing hardware, software and services for LAN/WAN networking and data security, application design and development, application training and courseware development, and physical layer voice, data, and fiber optic cabling.

Endurant Business Solutions12100 Singletree LaneSuite 137Eden Prairie, MN 55344952-746-1374www.endurant.com

EatonGolden improves the way web sites work, through: User Experience Strategy, Usability + Research, Information Architecture, Interface Design + Prototyping, and Social Media + Emerging Technologies Consulting. Visit EatonGolden.com to learn more.

Endurant is a consulting firm specializing in the management of change and the design of adaptable organizations. Our experienced consultants provide a broad range of expertise to design and implement solutions tailor-made to your toughest problems. In change there is power!

2010 techNo Expo buyers guide:1/6th Ad Booth for Technology companies advertising in the December issue ..................................................$675

1/6th Ad Booth for Technology companies only “exhibiting” in the TechNO Expo Buyers Guide .........................$1200

Call rachael solomon to reserve your space: 612.336.9284

December Ad Space Deadline: 10/26/10

TechNO Expo Ad Materials Due: 11/1/10

Display Ad Materials Due: 11/3/10

The TechNO Expo pages will feature a “show floor of exhibitors” displaying their products and services (Your Company’s Special TechNO Expo Buyer’s Guide Ad). These 1/6th ad booths will be displayed in the TechNO Expo pages and include a cat-egory banner, 4C logo, contact information, 25 word company description and display ad page number as well as an Online listing and Hyperlink. See sample page left:

display your ad booth in this valuable tech buyer’s guide!

Everyone’s a winner with ICBA Independent Banker!

Where Community Banking is Always Big Business

IndependentBanker

Thank you to the following grand sponsors of the

[ SUCCESSpartnering for

Your company’s success stories clearly demonstrate your commitment to community banks, their customers and the benefits your company provides.

Use this opportunity to:

Discuss how your products and/or services have helped a community bank navigate the ever-changing regulatory landscape.

Describe a customized solution that targets a particular challenge or set of challenges facing community banks today.

Tell how you’ve worked with a community bank to help offset the cost of implementing a particular product, service or technological enhancement.

Detail how your products and/or services have helped a community bank remain competitive and profitable in today’s marketplace.

A companion advertorial section to IB’s May feature, The Year’s Best Performing Community Banks

Hosted Link to Best Performing Banks and Partnering for Success

100 copies of your Partnering for Success story and PDF for reprints

Partnering for Success distributed through IBmag eNews

� Hosted on www.independentbanker.org

for three months

Share Your Company’s Community Banking Success Story! Use this advertorial section to highlight how your products directly contribute to the success of community banks. You can include your company’s case stud-ies, testimonials and statistics to showcase and share your greatest successes.

In addItIon to YoUr CaSE StUdY, YoU gEt:

]ICBA Independent Banker® magazine presents:

Sample Advertorial Spread p

t Sample Advertorial PageConvention LIVE Guide*

An advertorial accompaniment to IB’s feature: 2015 Industry Report Card & Community Banker Perspectives

Industry Partners Get Real

Use this turnkey profile to help banks connect a face to your brand, learn more about your company’s leadership and understand the benefits of your services in a real and engaging way. Highlight hot projects you are currently working on, a new product launch or your company’s unique philosophy. This is the perfect environment to underscore your company’s authenticity and personality.

Sharing their outlook on the year ahead and what’s important for 2015

Industry Partner

Perspectives~

RACHAELSOLOMONVP, Sales & Marketing

What challenges do banks face when thinking about their loan portfolios?Banks face many challenges when trying to manage their loan portfolios in today’s environment. For example:• How to supplement organic

loan growth when local market opportunities do not meet a bank’s established targets.

• What to do when internal credit limits are reached for a particular type of (specialized) lending or for a particular geography.

• Where to turn if your bank wants to diversify or look at new market opportunities.

• How to respond when a customer asks for an atypical loan—e.g., a loan outside of a bank’s main areas of expertise or for an amount above set standards – particularly if your bank wants to win new business or to keep a good customer from visiting a competitor down the street.

What strategies have banks utilized to address these issues? Banks have tried many different strategies to address these issues. Some have done nothing because they don’t know where to turn. They feel they don’t know the “right” players or whom to trust, or they worry about having to spend a lot of time or money to market/express their interest. Others expand into new geographic markets to grow and gain an advantage over the competition. What strategies have banks utilized to address these issues? Unfortunately, all of these approaches have downsides. Sometimes they don’t work well, they aren’t cheap, or they could take significant amounts of time to reach fruition. Others expand into new geographic markets to grow and gain an advantage over the competition. And, of course, many have poached loan officers from competing banks in lucrative markets or have bought financial institutions in targeted markets.

Very Important Stuff!

220SouthSixthStreet,Suite500,Minneapolis,MN55402•612-336-9284 www.independentbanker.org•[email protected]

Very Important Sign!

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The samples above feature a stylized black/white shot expressing a modern, innovative approach and a pop of color that adds an element of surprise and can be used to highlight something important. Profiles are hyperlinked in IB’s digital magazine, so bankers can click to learn more!

See next page for rates, specifications and timelines ...

Spotlight your company’s premier thought leader in January’s special section of Independent Banker® magazine, Industry Partners Get Real. IB magazine will query top execs on their

unique perspectives and how their company is shaping the industry.

Full Page Spread

Each executive profile includes:

• Professional photoshoot (at your location)• Q&A style editorial

• URL links to projects• Professional design and layout


Where Community Banking is Always Big BusinessIndependentBanker

Thank you to the following

grand sponsors of the

2015 IB Magazine Editorial Calendar

January Space 11/20/14 Materials 12/5/14

Management & Leadership Issue

l Industry Report Card—2015 Special Report

l Community Banker Perspectives & Industry Partner Perspectives*

l EmergingLeaderProfiles & Admissions

l Regulatory Outlook

l LendingUpdate

l Internet Breaches

*A special section opportunity to profile your company’s leader, highlight their thoughts on the industry and what your company is workingon.ValueaddbenefitsincludeURLs,marketingpromotionand more. Click image for details.

February Space 12/17/14 Materials 1/7/15

ICBA Convention Preview Issue*

l NewCongressional/LegislativeOutlook

l Convention Agenda & Events

l Digital Customers

l LendingStrategies

l Compliance Issues

l Transaction Processing

*Advertise in both the February and March issues and get a resource ad in the Community Banking LIVE Guide. Convention exhibitors can participate in the exhibit hall game Mad Dash for Cash.

Bonus Distribution: Compliance Institute

March Space 1/22/15 Materials 2/4/15

ICBA Convention Issue*

l ICBA’s New Chairman Profilel Advancing Technologiesl Portfolio Managementl LendingTrendsl Compliance Challenges

l Retail Banking

*Advertise in both the February and March issues and get a resource ad in the Community Banking LIVE Guide. Convention exhibitors can participate in the exhibit hall game Mad Dash for Cash.

Bonus Distribution: ICBA National Convention

April Space 2/24/15 Materials 3/9/15

Community Banking Month*

l ICBA’s New Executive Committee

l Risk Management

l Cyber Security

l MortgageLending

l Card Solutions

l Emerging Payment Platforms

*ICBA will highlight activities and celebrations happening across thecountryalongwiththe“GoLocal”campaignpromotinglocaleconomic spending.

Bonus Distribution: All non-ICBA member community banks, and Washington Policy Summit

May Space 3/24/15 Materials 4/6/15

Best Performing Banks Issue*

l Keys to Banks’ Success & Partnering for Success Case Studies

l Profitability & Revenue Enhancement

l Information Management

l Evolving Technologies

l LoanOperatingSystems

l Mobile Solutions

*ICBA reports the industry’s top performing banks by ROA and ROE and features best practices that help banks stay successful in areas of Lending,Payments,ComplianceandTechnology.

Bonus Distribution: Community Bank IT Institute

June Space 4/22/15 Materials 5/5/15

The BIG Issue*l Bigger Community Banks

l Industry Innovations & New Product Showcase

l Branching Opportunities

l Compliance Solutions

l LendingStrategies

l IT Security

l Online Banking

*This issue will highlight: Big Shots in the Industry, Celebrity Bankers, Big News, Big Deals, Big Ideas, etc.

Bonus Distribution: Compliance Institute

http://independentbanker.org/wp-content/uploads/2014/10/JuneInnovationShowcase15_promo1.pdf

http://independentbanker.org/wp-content/uploads/2014/10/partnering4success_Advertorial15.pdf

http://independentbanker.org/wp-content/uploads/2014/10/JanIPP_2015_both.pdf

http://independentbanker.org/wp-content/uploads/2014/10/MD4CPromo_2015.pdf

http://independentbanker.org/wp-content/uploads/2014/10/JanIPP_2015_both.pdf

http://independentbanker.org/wp-content/uploads/2014/10/partnering4success_Advertorial15.pdf




2015 IB Magazine Editorial Calendar

Demonstrate your commitment to community banks, their customers and the benefits your company provides.

Power Lending Partners Advertorial Ideas:

Showcase how your products and/or services have helped a community bank increase loan volume

Describe a customized solution that targets a par ticular challenge or set of challenges facing lenders

Explain how you’ve helped a community bank streamline efficiencies

Detail how your products and/or services have helped a community bank remain competitive and profitable in today’s marketplace

Illustrate how your company boosts community bank lending!IB magazine's advertorial section highlights companies that provide lending services to community banks. This special section maximizes your exposure as a leading lending expert and helps establish greater credibility on the challenging loan management issues our bankers face today.

In addItIon to PRInt, you also get:

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POWER LENDING PARTNERS

CompanyContact

Phone Number/Email

Website URL


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abor aut quos experum ut Vero mossit quiatiu ntiisti atationectur

sunt volorup tatiuntem quae.

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rerum quid qua tiatur, sapidus nim que cus aut odigendel mo-

luptias explaut estio consedis conet estiis conet voloreicia cor-

rum venimi, quia nes iniet voluptatur?

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Epsendum hos mentique perceri caperum ignoximil hui porit?

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teri et gra nore que tam ate, ut

et; nenihinteri consilis alicia-

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silistum omnocchum hin des-

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pertari fatratum mei perum, conequondit.

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ess atementredeo et; intesicaet, Ti. O te aucerfex se inat. Si et?

To vis pat.Ic ocus atius crit atus et vit. Hachuit.

Seri se te atumusu vir quondam qui sentiam eto ela L. Equodi

portestra? Guliciam conferoris in se audam spiocurs videa con-

eque culos, fuiu vivasta diis, quero patanum acerbit; num moris,

que cam me tam in Itabi senatre istracierce conos, me mo es de

er larit?

Company Name HereIpsantiur sum invel eicil eos dolorer

“Pudam eos autet, exerchi llecae sectes

et voluptat provit aut fugias dipsum alias

inctotatiae odi sum, soluptur, sam velis

estibusdae porepudi optat fugia.”

Banker Testimonial

“Pudam eos autet, exerchi llecae

sectes et voluptat provit aut fugias

dipsum alias inctotatiae odi sum.”

Sam, sitiore cone minveri

dolland igendae cus et, coribus,

idel moluptatios si od mos ene

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doluptae la cus escium quam,

corem que cusdam ipsapien-

is saperib eatque sedi sitatiaes repel int, sitia quam iumet

fugiam, ulparis doluptaqui autatis voluptae. Nam aut facid

eribusae. Ita preic totatia nonet qui occaturiti cum nuscid

qui doloribusam fuga.

LENDING, INC.

ICBA Independent Banker magazine presents:

Digital PDF of your Power Lending Partners case study to send out or host on your website

Power Lending Partners promoted through ICBA NewsWatch Today,sent to over 30,000 members

Link to section hosted on www.independentbanker.org for three months


quod maio veles aruptat eosamus daest, que niature com-

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dus nim que cus aut odigendel moluptias explaut estio consedis

conet estiis conet voloreicia corrum venimi, quia nes iniet vo-

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natem si abor aut quos experumut. Vero mossit quiatim unti-isti

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voleculpa volessi nveni hici te rerum quid qua tiatur, sapidus

nim que corrum venimi, quia nes iniet voluptatur?

“Pudam eos autet, exerchi llecae sectes et voluptat provit aut fugias dipsum alias inctotatiae odi sum, soluptur, sam velis

estibusdae porepudi optat fugia.”

Company Name HereIpsantiur sum invel eicil eos dolorer

LENDING, INC.


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TECHNOLOGY, INC.

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TECHNOLOGY, INC.




TECHNOLOGY, INC.




TECHNOLOGY, INC.




TECHNOLOGY, INC.Am fuga. Os recaero vendae peribus ilique et doluptas sunt, id minctatem quiam,



TECHNOLOGY, INC.

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Compliance Counsel for Community Banks

A companion advertorial to IB Magazine’s October Compliance & Regulatory focus

Impress Community Bank Decision-Makers Nationwide by Sharing Your Company’s Best Practices, Case Studies and Insights

As a complement to our regulatory editorial, IB magazine has designed a special advertorial section to provide companies the opportunity to showcase and share their insights as an expert in the industry. This is a perfect environment to estab-lish greater credibility and provide positive guidance on the challenging issues affecting our bankers today.

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Sage Counsel for Community Banks

Headline Goes Here, Headline Goes HereImus. Et voluptustem accus modita cus simusam sus quaepratur anduciis sunduciandi que nostori

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min rerit rem eum res dolum aut volentur, imenis eatecte mquatur em-post entiuntum inctest aut resequisquam Evelecto cupta audanda iust

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“Ipsem locurnm ajhdf andif noen jd-haoe dhfajhehn ca dhfu eba;cdjhrgei adjfha; oeur abcdkjb fa;oweyand ab oae bfa doageo ba dvn aoehandv lah-dotha lnvoa fo aenga nbd voa hebf lV e ofbal bvoaeh bgla ch;febaohg”

— Kevin James, Faut resequisqu

Sage Counsel for Community Banks

Headline Goes Here, Headline Goes Here

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presents

Use this unique opportunity to illustrate how your firm provides positive guidance on challenging issues today.

July Space 5/21/15 Materials 6/4/15

The Lending Issuel TheLatestinLending(Mortgage, Ag, Small Business, C&I, etc.)

l TopProducingLenders*&Power Lending Partners Case Studies

l Insurance

l LendingSoftware

l Regulatory Management

l ACH Fraud

*ICBA will rank top loan generating banks by volume in their respective lending categories of business, and also rank individuals for their contributions.

Bonus Distribution:AllLendingTitles

August Space 6/23/15 Materials 7/7/15

Services & Membership Issue* l Member Benefits & Services

l Industry Issues across the States

l Corporate Member Directory

l EFT Strategies

l New Mortgage Opportunities

l National Community Bank Service Awards**

*ICBA will highlight Advocacy, Education and Savings Opportunities.

**ICBA will recognize community banks with exceptional service programs and award winners will be recognized in this issue.

Bonus Distribution: All non-ICBA member community banks

September Space 7/22/15 Materials 8/4/15

The Profitability Issuel Strategic Budgeting, Forecasting & Vision

l Analytics & Big Data

l Card Solutions

l Bank Security

l Risk Mitigation Strategies

l Social Media & Marketing Awards

Bonus Distribution: ICBALeadershipDevelopmentConference,CommunityBankMarketing Strategies Workshop, Bank Security Institute

October Space 8/20/15 Materials 9/2/15

Regulatory & Compliance Issuel Regulatory Compliance Overview & Compliance Counseling Advertorial

l LendingStrategies

l Payment Solutions

l Fraud Protection

l Bank Director Awards*

*ICBA will acknowledge outstanding bank directors.

Bonus Distribution: Annual Bank Directors Conference, ICBA’sCommercialLendingInstitute,andComplianceInstitute

November Space 9/22/15 Materials 10/5/15

The Technology Issue* l Tech-Next Banking

l Virtual Branch

l Platform Integration

l EFT Solutions

l Deterring CyberCrime

l OnlineLending

l Techie Awards*Advertisers who run in both the November and December issues can participate in November’s Top Technology Tips and the December’s Tech•Knowledg•eSource.

Bonus Distribution: All Technology Titles

December Space 10/21/15 Materials 11/3/15

The Money Issue*

l Community Bankers of the Year

l New Currencies & Technologies

l Data Security

l Digital Banking

l Regulation & Compliance Review

l Tech•Knowledg•eSource

*Advertisers who run in both the November and December issues can participate in November’s Top Technology Tips and the December’s Tech•Knowledg•eSource.ThiseSourcewillbehostedonlinewithhyperlinks, as well as in the digital edition of IB.

Bonus Distribution: All non-ICBA member community banks

http://independentbanker.org/wp-content/uploads/2014/10/PowerLending_Advertorial2015.pdf

http://independentbanker.org/wp-content/uploads/2014/10/ComplianceCounsel2015.pdf



http://independentbanker.org/wp-content/uploads/2014/10/ComplianceCounsel2015.pdf

http://independentbanker.org/wp-content/uploads/2014/10/ICBA_technext_promo15.pdf

http://independentbanker.org/wp-content/uploads/2014/10/ICBA_technext_promo15.pdf


ICBA e-Newsletters

NewsWatch Today focuses on advocacy, breaking community bank news, important updates and the latest industry trends. Every Friday, an additional e-newsletter, Member Access®, introduces member programs, professional development and profit-enhancing industry products and services.

Advertising Available:

• Sponsored Text (1 available/wk) —Your company’s name in subject line of e-newsletter, 50 words of text and hyperlink within the body copy, and a 145x150 pixel banner ad within the e-newsletter sidebar• Vertical Banner Ad (Rails 1-3)—Each 145x300 pixel ad positioned prominently along the right-hand sidebar

Advertising Analytics:

l Daily subscriber base of 60,000+ (C-Suite, Presidents, VPs, SVPs, Directors, Managers, etc.) l 53% of readers forward their e-newletter to one or more people l 18%—average open rate l 0.07%—average banner ad CTR

NewsWatch Today®

IBmag eNews (distributed 2x/month) carries the current digital edition of ICBA IB magazine and highlights online content, web exclusives, trending articles and more.

Advertising Available:

• Vertical Banner Ad (Rails 1-3)—Each 145x300 pixel ad positioned prominently along the right-hand sidebar

• Embedded Banner Ad—Onlyavailablewith“CoverZero” Package (see pg.11 for more details.)

IBmag eNews

Advertising Analytics:

l Subscriber base of 60,000+ (C-Suite, Presidents, VPs, SVPs, Directors, Managers, etc.) l 19%—average open rate l 0.19%—average ad click through rate

For detailed ad specs, see page 19.

Rail 1$1,800*

Sponsored Text

$2,100*

Rail 2$1,800*

Rail 3$1,500*

Embedded Ad(See pg.11)

Rail 1$1,500*

Rail 2$1,500*

Rail 3$1,200*

Daily – Purchased Weekly

2x/mo – Purchased Monthly

*Non-ICBA Corporate Members add a 15% premium to rates.

*Non-ICBA Corporate Members add a 15% premium to rates.


IBmag eNews Exclusives

IB Mag “Cover Zero” Package*Be the first ad subscribers see upon opening the digital edition of ICBA IB magazine!

IB Mag Dedicated e-Blast*ONLY ONE AVAILABLE PER MONTH! Share your expertise in our Industry Insights e-blast with an exclusiveopportunity to promote new product launches, webinars, educational services and more!

You receive: l An exclusive e-blast with your creative and messaging directed to over 60,000 ICBA opt-in subscribers (C-Suite, Presidents, VPs, SVPs,Directors, Managers, etc.) l IBmag.org content on right-hand rail surrounding your message

Rate: $4,500 (Non-ICBA Corporate Members add a 15% premium to rates.)

*Advertiser must disclose product/service promoted prior to IB magazine’s acceptance.

OWN A DIGITAL EDITION

OWN A WEBPAGE ON IBMAG.ORG

You receive: l Embedded banner ads in body copy of IBmag eNewsl Your company’s name in subject line of both IBmag eNews sends (2x/mo.)l AFP“CoverZero”adnexttothedigitalcoverof IB magazine (see image on the right)


*Must have a full page ad running in the current print issue

OWN A DEDICATED E-BLAST

IB Mag Sponsored ContentYou receive:l A sponsored article on IBmag.org within the editorial contentl Homepage teaser, including an image, headline and one sentence excerpt leading into your articlel A mini-landing page with your article and supplied imagesl Three digital banner ad placements on your landing page with 100% SOV (see ads in pic -->)l Promotion of your sponsored content in the body copy of IBmag eNews.


Leaderboard Ad (728x90 px)

Rectangle Ad

(300x250 px)

Rectangle Ad

(300x250 px)



The Value of a Media MixWhen buying ads from both print and online versions of a media brand, the combined frequency is targetingthemostactiveandvaluablepartoftheaudience.These“Influentials”arethemostactiveseekers of information and loyal to both forms of media.

ICBA WebsitesOnly 3 advertisers per month will receive advertising on both ICBA.org and IBmag.org websites with a 1/3 SOV on each!

Each advertiser receives three ads in rotation on both sites in the following sizes:• One leaderboard banner ad (728x90 pixels)• Two rectangle banner ads (300x250 pixels)

Rate: $1700/month (Non-ICBA Corporate Members add a 15% premium to rates.)

TIP


ICBA.org Stats:

l Avg. Unique Visitors: 28,915/mo l Avg. Page Views: 143,328/mo l Avg. Ad Impressions: 14,510/mo l Avg. Visit Duration: 2:41

IndependentBanker.org Stats:

l Avg. Unique Visits: 9,773/mo l Avg. Page Views: 38,566/mo l Avg. Ad Impressions: 12,012/mo l Avg. Visit Duration: 2:29

Website Advertising

www.IndependentBanker.org (or IBmag.org) is the magazine’s website, featuring trending articles, web-exclusive content, social media, forums, blogs and more.

www.ICBA.org is the website for the Independent Community Bankers of America providing information on ICBA education, advocacy, products and services, and more.


Rectangle Ad

(300x250 px)

Rectangle Ad

(300x250 px)

Half PageAd

(300x600 px)


Rectangle Ad

(300x250 px)

Rectangle Ad

(300x250 px)

http://www.independentbanker.org

http://www.independentbanker.org

http://www.icba.org


Host a high-qualtiy webinar and target community bank decision-makers nationwide with a 4-week mar-keting program. Your ICBA IB webinar includes a $20,000 marketing campaign, premier consulting, host-ing and lead-gen reporting. Leverage the credibility of our brand, audience and marketing channels to successfully promote your key initiatives.

Educate Bankers and Generate Leads!

TUESDAY, June 25 —

12:00pm EDT, 11:00am CDT, 9:00am PDT

Presidents, CEOs, CFOs, CMOs

Community banks are facing more challenges than ever before.

Beyond traditional in-market competition and advances from

online-only banks, non-bank competitors (Wal-Mart, Google,

Square, etc.) are making significant investments targeting your

customers and your streams of revenue. Combine those with

ever-increasing regulatory scrutiny and concerns about the future,

it’s easy to see that community banks need a new approach.

Learn how Farmers Citizens Bank has “won” their market by

teaming up with other community financial institutions.

WINNING THE WAR THROUGH “CO-OPETITION”

Top Performing Community Banks Working Together

to Dominate their Markets

IB Magazine Webinar Exclusive:

[WHEN]

[ATTENDEES]

[AGENDA]

[FEATURING]

[CLICK HERE TO REGISTER NOW!]

Coleman Clougherty

President/CEO

Farmers Citizens Bank

Marty Sunde

President

BancVue

** The first 100 people to register will be entered to win one of two $50 Amazon gift cards!

THURSDAY, July 10 — 2:00pm EDT, 1:00pm CDT, 11:00am PDTExecutives in Marketing, Business Development, Product Management, and New Product Solutions – Retail and Commercial, Healthcare and Innovation

The healthcare industry is creating a significant opportunity for banks taking part in the healthcare payment and healthcare account solutions market. With more than 15.5 million Americans currently using HSAs, why would you put off the opportunity any longer?

In this informative webinar, you will learn how you can:• Drive new sources of income through a diversified and expanded product and service offering• Reap the benefits of a new fee-based income revenue stream in deposits and fees through offering healthcare accounts • Add value to your clients by providing a complete and convenient solution for consumer-driven healthcare accounts to

their employees• Differentiate yourself in the market by moving beyond standard

financial services

How HealtHcare reform is creating significant revenue opportunities for Banks across tHe countryHealthcare Savings for Consumers, New Revenue for You

IB Magazine Webinar Exclusive:

[wHen]

[attendees]

[featuring]

[agenda]

[click Here to register now!]

Heather AndrewsVP of Enterprise Partner Development,Evolution1

Your Company Provides: l Great content from an educational perspective (PowerPoint) l Your experts or thought leaders to present topical information and answer questions l Reasons why community banks should attend and the benefits they will receive from learning about your services

Webinar services include: l Advertising in ICBA e-newsletters, NWT and IBmag eNews l Banner ads on ICBA websites: •www.independentbanker.org •www.icba.org l Two dedicated email blasts to 60k opt-in subscriber base l Promotional materials for all assets l Audience development, hosting, archiving and lead-generation reporting l Your name will appear in all webinar registrations, confirmations, reminders, and post-event follow up

99.4% of IB readers find ICBA webinars to be informative and valuable.

IB Webinars

99.4%

of IB readers �nd ICBA Webinars to be informative

and valuable

ICBA IB Webinar Stats:

l Avg. Registrants: 125 l Avg. Attendance Rate: 75%*

*National average attendence rate only 42%.

Rate: $7,500/webinar Corporate Member rate $8,500/webinar Non-Corporate Member rate


YOUR WEBINAR AD

HERE



Where Community Banking is Always Big BusinessIndependentBanker

Thank you to the following

grand sponsors of the

2015 ICBA Events and Sponsorship

ICBA’s National Convention (March)

ICBA hosts the largest community banking trade show in the country. This year’s eventwillbehostedattheGaylordResortandConventionCenter,Orlando,FL,March1-5,2015.CommunityBankingLIVEhelpscommunitybankdecision-makersnationwide network, learn and connect.

ICBA National Convention Sponsorship Increase your visibility, set your company apart, more closely align your services with ICBA and build rapport with a captive audience of bank decision-makers. Click the image to download the 2015 sponsorship guide.

Mad Dash for Cash Advertising in both the February and March issues of IB Magazine enables you to participate in the exhibit hall game Mad Dash for Cash at Convention for increased visibility and booth traffic. You will also receive a buyer’s guide ad in the Mad Dash LIVEGuideinFebruary,alongwithalaminatedcounter-boardofyourMarchadtodisplay at your booth.

For convention sponsorship questions, call Rachael Solomon at (612) 336-9284 or email at [email protected].

For exhibit booth space information, please contact Jim Mastey, AVP of Meetings and Events, at 320.352.7348 or go online to www.icba.org/convention.

ICBA’s Leadership Development Conference (September)

ICBApenetratesdeeperwithinourmemberbankswiththeLeadershipDevelopmentConference. Our aim is to engage more leaders to understand the value of their participation in ICBA, our advocacy efforts and our events.

ICBA Leadership Development Conference Sponsorship Sponsorship opportunities at this event allow for the exclusive opportunity to network with leaders in respective areas of the bank (technology, lending, compliance, marketing, etc.), who have first-hand knowledge of the solutions required to keep their institution running efficiently and effectively.

The ICBA’s annual National Convention, Community Banking LIVE, is the largest community banking convention in the country and devoted solely to the needs of America’s independent community banks. ICBA provides

community bank decision-makers nationwide the opportunity to network and gain valuable insight into their business, competition in the marketplace and the special financial challenges we are facing today.

ICBA recognizes that bank service providers face increased competition and need more innovative ways to reach their customers in this ever changing environment.

The 2015 sponsorship packages outlined below offer memorable marketing and branding ideas to effectively promote your company’s products and services. We’d love to hear your company’s objectives as we are happy to customize. These sponsorships are available on a limited basis and will go quickly!

Expo Hours: Sunday, March 1 • 10:30 am–3:00 pm + 4:30-6:30 pm Monday, March 2 • 11:30am-4:00pm

Welcome To The IcBA communITy BAnkIng lIVe!

2015 ORLANDO

NATIONAL CONVENTION

All SponSorS receive the following Added expoSure:

• Sponsorship ribbon for your nametag

• Floor decal indicating sponsorship at exhibit hall booth

• Your company’s 4C logo printed on a special sponsorship recognition page in Independent Banker® magazine and the ICBA LIVE Directory

CAPTURE THE MAGIC of SPonSoRSHIP

• Substantially increase visibility and exposure throughout community banking’s largest event

• Align your company with ICBA and demonstrate strong commitment to community bank decision-makers

• Grab key customers’ and prospects’ attention in innovative and memorable ways• Create greater awareness, maximize name recognition and strengthen relationships

Contact rachael Solomon at 612.336.9284 or via email at [email protected] with questions or to reserve your company’s Sponsorship Package today.

ICBA Community Banking LIVE Sponsorship Guide

Click image todownload!

Click here for details!

EXHIBITThe exhibit hall is open Sunday and Monday providing food & beverages and two cocktail receptions ensuring traffic throughout the hall.

Exhibit Hall Hours: Sunday, Sept. 21, 2014 5:30 – 7:00 p.m., Cocktail Reception Monday, Sept. 22, 2014 8:00 – 9:15 a.m., Continental Breakfast 11:30 a.m. – 12:45 p.m., Buffet Lunch 3:45 – 5:30 p.m., Hosted Cocktail Party (with prizes!)

Exhibiting Fee: $995

Sponsorship Opportunities

ICBA’s Leadership Development Conference and Expo is an exclusive opportunity to network with decision-makers in respective areas of the bank, who have first-hand knowledge of the solutions required to keep their institution running efficiently and effectively. These bankers have been hand-selected by their banks’ President/CEO to attend; and interaction with this level of decision-maker allows your company to penetrate deeper within our member banks.

Who Attends:• ICBA Member & Non-member community bankers

interested in learning, networking and understanding how solution providers play a role in the industry.

• SVP and Director level titles within their respective areas of influence within their bank including Technology, Lending, Compliance, Marketing, etc…

Schedule-at-a-Glance*

Sunday, September 21Exhibitor Registration/Move InBanker RegistrationCocktail Reception in Exhibit Hall

Monday, September 22Continental Breakfast in Exhibit HallGeneral SessionLunch in Exhibit HallEducation SessionsCocktail Reception in Exhibit HallExhibitor Tear-Down

Tuesday, September 23Continental BreakfastGeneral SessionRoundtable DiscussionsLunchEducation Sessions

Wednesday, September 24Continental BreakfastEducation SessionsGeneral SessionEmail Exchange & Cookie Break

*Subject to change

9.21.14 . 9.24.14 Peabody Hotel . Memphis . TN

of 2013 Attendees

13%5%

19%

36%

All booths must be chosen online—www.icba.org/leadershipexpoAfter your booth placement has been confirmed, you will receive an email to complete the booth application online. To officially reserve your booth, the application must be completed and submitted within 72 hours, and your booth deposit received within 10 business days.Questions? Contact Patricia Rajdl: (320) 352-7324 or [email protected]

Benefits of Sponsorship:• Align your company with ICBA and demonstrate strong commitment to the future of community

banking• Create greater awareness, maximize name recognition and build relationships with the next

generation of bank decision-makers• Receive unprecedented vendor-to-banker ratios in an intimate setting producing quality interaction

51-100 Million

101-200 Million 201-500 Million

500+ Million

0-50 Million

27%

Click image todownload!


mailto:Rachael%40icbabanks.org?subject=

mailto:jim.mastey%40icba.org?subject=

http://www.icba.org/convention

http://independentbanker.org/wp-content/uploads/2014/10/2015Convention_SG.pdf




http://www.icba.org/files/ICBASites/PDFs/LDCSponsorshipGuide.pdf




Mechanical Specifications:

All materials must be submitted in a digital format. Printing: Heat-set, web offset Binding: Perfect Bound Trim Size:8.25”x10.875” Bleed:0.125” Safety From Trim: 0.375”Preferred File Formats•A high resolution (300 dpi) Adobe PDF or PDF/X-1a

with embedded fonts,•CMYK colors, and flattened transparency.Acceptable native-file formats:•Adobe InDesign, Adobe Illustrator, Adobe Photo-

Shop. •All images/elements must be 300 dpi at size, a TIFF

or an EPS is preferred to a JPEG format.FontPostScript fonts are preferred, TrueType fonts can be problematic. We are not responsible for errors caused by TrueType fonts.

Color:Everything must be in CMYK format and color correct-ed. All other color formats (RGB, Pantone/PMS, etc.) will be converted to CMYK. We are not responsible for colors which must be converted to CMYK. Overall printing maximum density of all colors cannot exceed 280%.

Submitting Files E-mail Submittal: (Preferred)Files 25MB or smaller may be sent to:[email protected]

Ad Uploader Submittal:www.mspaduploader.comUsername: mspadsPassword: sonic

Additional Production Charges Additional production charges may be incurred if sup-plied ads do not follow listed specifications. Production charges are in addition to rate space.

1/2 Island 4.625” w x 7.25” d

1/3 Square 4.625” w x 4.875” d

1/2 Horizontal7.375” w x 4.875” d

1/2 Horizontal Bleed8.5” w x 5.5” d

1/6 Vert.2.375” w

x 4.875” d

1/6 Horizontal 4.625” w x 2.3125” d

2/3 Vertical 4.625” w x 10” d

2/3 Vertical Bleed 5.75” w x 11.125” d

Full Page7.375” w x 10” d

Full Page Bleed8.5” w x 11.125” d

Two Page Full Bleed16.75” w x 11.125” d

1/3 Vert. 2.375”w x 10”d

1/3 Vert. Bleed

3”w x

11.125” d

2015 Print Sizes & Specifications


2015 Digital Sizes & Specifications

NWT &IBmag eNews

Banner

145x300pixels

NWT Sponsored Text Banner

145x150pixels

IBmag.org & ICBA.org Leaderboard

728x90 pixels

IBmag.org & ICBA.org Rectangle

300x250 pixels IBmag eNews Embedded Banner(“Cover Zero” Package)

500x130 pixels

Banner Ad Mechanical Specifications

Dimensions: Width X Depth (see above)Format: .GIF or .JPG, 1 pixel border requiredFile Size: Maximum 50KBAnimation: Recommend two-loop* maximum for optimal results. Please indicate if using animation.URL:PleaseprovideaURLaddresstowhichyouwanttheadtolink.

Materials due: ONE WEEK PRIOR TO START DATE.

*If using animation, please note, some Microsoft users can only view the first screen in rotation. Please put your last screen first in your animation rotation to ensure all information can be seen.

IBmag “Cover Zero” Package:•Embedded Banner: See above•“CoverZero”FullPage:8.25”wx10.875”h(nocropmarks),high-resolutionPDFfile

Materials due: TWO WEEKS PRIOR TO START DATE.

IBmag Sponsored Content:•Article Excerpt: 8-10 words maximum•Article content (no word limit)•Primary Image: 700x440 pixels; Secondary image(s): No size requirement.•Leaderboardbannerad:728x90pixels•Two (2) square banner ads: 300x250 pixels.

Materials due: ONE WEEK PRIOR TO START DATE.

IBmag Dedicated eBlast:

•eBlast:440x750pixels(HTMLformatrequired;GIForJPEGimagefilesonly,noFlash®filesaccepted)

Materials due: TWO WEEKS PRIOR TO START DATE.


Contract Regulations

Payment to be made in advance unless credit has been approved by the Independent Community Bank-ers of America (ICBA). Invoices are due payable upon receipt. Invoices will be considered delinquent after 30 days from the invoice date and will be subject to a monthly 1.5% finance charge (18% per annum) or the maximum allowed by law.

In view of the fact that many advertising agencies’ contracts and orders specify conditions that are not in accordance with the regular rates and terms upon which ICBA does business, we do not execute dupli-cates of such agency contracts, and orders are accepted only with the understanding that (a) they will be executed in accordance with our regular rates and terms, which are fully described in this rate card, and (b) the terms and conditions set forth in this rate card shall prevail over any inconsistent terms set forth in any agency or advertiser contract form or order form.

Commission(s) (15%) given for agencies will be forfeited if payment is not received within 60 days from the invoice date. Account delinquency may affect the advertiser’s and agency’s ability to book space in future issues. If an account has more than one unpaid invoice, all cash received will be applied to the old-est invoice first. The advertiser and the agency agree to pay all collection costs as a result of our collec-tion efforts on the delinquent balance, including reasonable attorney’s fees.

When advertising is placed by an advertising agency on behalf of the advertiser, the advertiser and ad-vertising agency shall be jointly and severely liable to ICBA for payments due hereunder. The advertiser is at all times liable for payment of all account balances due and all other liabilities and deemed to receive refund payments, adjustments, notices and all other documents when the same are delivered to their advertising agency. Payments by the advertiser to the advertising agency for services do not constitute payment to ICBA. Any language to the contrary in any advertising agency’s insertion orders or other doc-uments is void and without effect.

Commissions and Discounts: A 15% commission will be allowed to recognized ad agencies. Bills will be rendered the first day of publication.

Cancellations: Cancellations are not accepted after space closing date. Advertising must be inserted withinonepublicationyearoffirstinsertiontoearnfrequencyrates.Lossofcreditduetoaccountde-linquency may affect frequency rates. An advertiser who does not complete a committed schedule will be subject to a short-rate. ICBA is not responsible for interruption or termination of existing contracts or failure to print advertising (see contract form).

Rates: Advertising rates are subject to change. ICBA will notify contract advertisers 90 days prior to rate change. All contracts accepted are subject to these conditions.

Copy Regulations: All advertising is subject to publisher’s approval and agreement by the advertiser and agency to indemnify and protect ICBA from and against any claims, loss, liability or expense, including reasonable attorney’s fees arising out of publication of such advertisement. ICBA reserves the right to reject any advertising or to request changes in any advertising copy.

Simulation of the publication’s format is not permitted, and ICBA reserves the right to place the word “ad-vertisement”withcopywhich,inICBA’sopinion,resembleseditorialmatter.

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