click to learn more! 2014 media & marke ting opportunities · icba welcomes you to the business...

independent community bankers of america media guide

Jump to the 2014

edit Calendar!

Dot WhackClick to learn more!

BellybandClick to learn more!

Cover Curl

Click to learn more!

Media &2014

OppOrtunitiesMarke ting

target

Community Bankers

nationally!

a“Must-read” interactive issue!Click links for detailed info and examples

Featuring: 4New Ways to Reach Banks 4Effective Marketing to Community Bank Decision-Makers

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.

2014 Media Information | ICBA Independent Banker

2

Reach Community Banks (p. 3) Market Dominance (p. 4)Reader Engagement (p. 5)Circulation & Distribution (p. 6)ICBA Engagement & IB Magazine (p. 7)2014 Editorial Calendar (p. 8-9) Online Opportunities (p. 10)

IB Webinars (p. 11)ICBA e-Newsletters (p. 12)IB Mag Digital Opportunities (p. 13) Ancillary Opportunities (p. 14)2014 ICBA Events (p. 15)Ad Rates & Specifications (p. 16)Contract Regulations (p. 18)

We Are Community Banking

ContentsJump to:

For more information: Rachael Solomon at (612) 336-9284 or [email protected]

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 13%

0-50 Million

13%500 Million

22%51-100 Million

27%101-200 Million 24%

201-500 Million

Asset Distributionof 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

3

Reach Community Banks



d

d

d

d

Source: Datagy FIRE June 2013

+

12%

25%

307 Million73 People

23,178 locations nationwide

$1.218 trillion in assets

$1.015 trillion in deposits

$754 billion in loans to consumers, small businesses and agricultural community

Community Bankers’ #1 Choice d More readers choose ICBA IB magazine as the primary source for community banking news than any other publication.

Advertisers’ #1 Choice d More 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 2013)

2012 Signet Research IB magazine Reader Survey

265

108

75

134

90


4

Market Dominance


Readership Breakout by Title:

90% of ICBA IB magazine readers have taken at least one action as a result of

reading the magazine during the last 12 months.

d 81% passed an article from ICBA IB magazine to others.

d 73% discussed an article in ICBA IB magazine with others.

d 20% discussed an ad or saved an ad for future reference.

d 19% visited an advertiser’s website after reading ICBA IB magazine.

d 16% actively sought out and/or recommended products and services.

Reasons to Advertise in ICBA Independent Banker Magazine: d 89% more inclined to use a company they know is committed to supporting community banking

d 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.

2012 Signet Research IB magazine Reader Survey

5

Our Readers Are Deeply Engaged

91%

Breadth of Content

95%

Content Value



ICBA Independent Banker Magazine Is:d mailed directly to Presidents, CEOs, and C-level staff of ICBA member community banks who make the decisions to buy.

d circulated nationally, averaging 13,500 printed copies per month with an average monthly pass-along rate of 2.4 people per subscriber and seen by more than 45,900 community banking leaders and decision-makers.

d distributed digitally twice a month to a opt-in subscriber base of over 50k.

ICBA IB 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 . . . . . . . . . . . 46%

Southeast . . . . . . . . .23%

Southwest . . . . . . . . .16%

northeast . . . . . . . . .11%

northwest . . . . . . . . . 4%

46%

23%16%

4%11%

Source: Datagy FIRE June 2013


6

IB Circulation & Distribution


In Every Issue:

•ICBAChairmancolumn

•ICBAPresidentandCEO’scolumn

•Technology

•NewProducts&Services

•Compliance

•Lending

...and more!

7

ICBA Engagement & Independent Banker®

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

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

2013

ExclusivE Best Practices

in Vendor Management

lisTiNGs iNcluDE:

340+ Companies

1,000+ Tailored Solutions

BuyiNG MaDE Easy

MarketPlaceNOWICBA’s Buyer ’s Gu ide fo r Communi ty Banks

For more information, call patricia rajdl, aVp of iCBa Corporate associate membership, at (800) 422-7285, or download a brochure at www.icba.org/files/iCBaSites/pdFs/Cambrochure.pdf.

mailto:patricia.rajdl%40icba.org?subject=

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

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

[ 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 June 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 ICBA Member Access

� 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 Page

Click on the promo image in the months of January, may, June, July, october and november for Special Section opportunities.


8

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

Showcase your New Products & Services in a Challenge/Solution Style format!ICBA Independent Banker magazine’s May 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.

SolutionS ShowcaSe 2014 DeaDlineSSpace Reservation: March 17 Copy/Photos Due: March 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 shOwcAsemAy 2014

Reserve your space today!Call Rachael Solomon at 612-336-9284 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!

Convention LIVE Guide*

An advertorial accompaniment to IB’s feature: 2014 Industry Report Card & Community Banker Perspectives

Industry Partners

ICBA Independent Banker®

magazine presents:

Executive’s head shot on section cover

100 Reprints of profile for marketing use

Section hosted on www.independentbanker.org and promoted through ICBA e-newsletters

Distributed via print and digital edition of IB

$1,000 credit towards a turnkey IB Webinar

PDF to host online

Counter-board of ad to display at your ICBA National Convention booth

VALUE ADD MARKETING BENEFITS THAT COME WITH YOUR PROFILE:

Kickstart your year—spotlight your company’s CEO or leading executive in January’s special section of Independent Banker® magazine. IB will query executives on how their services will shape the industry in 2014 and how they are poised to move foward.

Each excecutive profile includes:

These turnkey profiles help banks learn about your company’s leadership and services in a unique way for greater connectivity. Your executive can highlight items they are currently working on, such as a new product launch, case study, company philosophy or other—be creative! Photoshoots can be as conservative or playful as you like. If your executive has a particular interest they want to include in their shot, we will tie it in. (See second page for details.)

Get Personal!Sharing their outlook on the year ahead... What’s on their minds and what’s on their desks!

• Professional photoshoot (in office)

• 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

2014 IB Magazine Editorial Calendar


January Space 11/21/13 Materials 12/6/13

Management & Leadership Focus

l Industry Report Card - 2014 Special Report

l Community Banker Perspectives (& Industry Partner Perspectives*)

l Regulatory Issues

l Fraud Detection

l LendingStrategies

*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 12/19/13 Materials 1/7/14

ICBA Convention Preview Issue*

l New Congressional Outlook l EmergingLeaderProfilesl LendingTrendsl Compliance Updatel Payment Solutions

*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 1/21/14 Materials 2/3/14

ICBA Convention Issue*

l Welcome ICBA’s New Chairmanl Evolving Technologiesl Investment Strategiesl LendingSolutions

*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 2/20/14 Materials 3/5/14

Community Banking Month*

l Meet ICBA’s Executive Team

l MortgageLending

l Data Security

l Mobile Transactions

l Risk Management

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

Bonus Distribution: All non-ICBA member community banks

May Space 3/25/14 Materials 4/4/14

Innovation Focus

l New Product & Service Showcase*

l Retail Delivery

l Emerging Technologies

l NewLendingOptions

*Showcase your innovative products and services in this advertorial section to highlight your unique benefits, gain online visibility and more. Click image for details!

Bonus Distribution: CommunityBankITInstituteandBSA/AMLInstitute

June Space 4/22/14 Materials 5/3/14

Best Performing Banks*

l Partnering for Success Case Studies (Click image for details!)

l Profitability Solutions

l Compliance Issues

l Fraud Prevention

*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.


http://independentbanker.org/wp-content/uploads/2013/12/partnering4success_Advertorial14.pdf

http://independentbanker.org/wp-content/uploads/2013/12/MayInnovationShowcase14_promo.pdf

http://independentbanker.org/wp-content/uploads/2013/12/IndustryPartnersGetPersonal2014.pdf

9

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:

Evenimenda con eius senti aut esto magniam iniatem ad eum

quod maio veles aruptat eosamus daest, que niature commolup-

tam ventis si aut utemodis di a sequat.

Gent viduntiis as sequi reperum earia sandio. Feratibus

eos es sit, se consecabor si od quo doluptat.

Ullenit iatiis doluptaquam nobis dolupist, quodit a vene optati

sequund ellecuptas vollorit, a nita sus es arum quasseq uostrum

ex ea et ditat omnis il ipsantio inum facepelit vellendit, quis

autemqu ibusandi dit, sus de etur?

Ectotat rempe volorrovid ma quosam aut fugitist, ut

minulparum velenis est dolorum ist hita volorit quae. Ita vendi

volorerorrum incipsapicae con et a voluptatum expligendae et

facider uptiorum exerione maio eos sanihiliqui omnimus dolum

aut fuga. Ignimpor aborum rae voluptati arumquodi aut reperi-

bus, volutat aturibusdae sum sum rem. Omnit incil ipiciissum

quatemquias everum hita quodior epudam faccuptatqui adit

vollanda solor aut harchil loribusaped que pelia sit

ipsante ctiusam ea conse sent.

Anda ello temposti auda dus, atempor ehendi omnis

nis dis inus estiaec earumquam quunt ra sinum, tem utem que

iuntis ut laborepudant evelest molut rem cuset ra sequatemqui

tem voluptatur re non plicate mquaera derum re verum et ut odi

beati doluptu repreperibus et od et esci int. Epernatur, volori-

bus, volore liquo beribus di nat.

Os dolores dendi dolesed quidendanim quamet vo-

luptatiam, odicita tionsequam, consendis volupti sinimilit eo-

stias expla iunt ilique sunt aborporitiis sinvel int ut volore vol-

ores sundus ulpa suntio res veriae enitas dolor aut voluptatur

aut quois reriore senias vendi atem faccus velesci psamet essi

offictati consendist am volum fuga. Ratquae dis eatem quat Bi-

tat. Beatia volorunt et aut autas eum es denimi, consedi

psaperu ptatasim quam imil mos si initiberro quos magnist

aliqui accabo. Nos mintint acid mo qui to quas quis sedi con

eaqui acipsum nimporecto quiaspe rovit, omnihicimi, sed et

pressintis magnatur?

Icae. Evendant aut mosam eos ut officid ipiet, quist

eatquatuscia qui delitio qui net quiat quam ex estiumendit aud-

iste susae ipitaquaepe nobis corem aditiuntur ratur, con paribus

reius et aceptate alicture plabore pratur, ipitati untemqui dessus

sae none ped ut ius ea venis apero disseni milit, sit vellacepudit

entum aut issitia nonsequias acil ium aute nust, officius recti

dolores aboribeate cuptas et a nus dis estiorit qui quae natem si

abor aut quos experum ut Vero mossit quiatiu ntiisti atationectur

sunt volorup tatiuntem quae.

Qui reroris plam quae voleculpa volessi nvenihici te

luptias explaut estio consedis conet estiis conet voloreicia cor-

rum venimi, quia nes iniet voluptatur?

Puda ium quatquis debita ditionsequam quam num

aliam ernam libust, venit re perenim a quam inctentia sunt,

velicillo cus elique nienesto quid molo voluptate quibus, con re

sinum as elest ut assint ut modio.

POWER LENDING PARTNERS

CompanyContact

Phone Number/Email

Website URL


quod maio veles aruptat eosamus daest, que niature com-

moluptam ventis si aut utemodis di a sequat.

Gent viduntiis as sequi reperum earia sandio. Feratibus

eos es sit, se consecabor si od quo doluptat.

Ullenit iatiis doluptaquam nobis dolupist, quodit a vene optati



autemqu ibusandi dit, sus de etur?

Ectotat rempe volorrovid ma quosam aut fugitist, ut





bus, volutat aturibusdae sum sum rem. Omnit incil ipiciissum

quatemquias everum hita quodior epudam faccuptatqui adit

vollanda solor aut harchil loribusaped que pelia sit

ipsante ctiusam ea conse sent.

Anda ello temposti auda dus, atempor ehendi omnis



tem voluptatur re non plicate mquaera derum re verum et ut

odi beati doluptu repreperibus

et od et esci int. Epernatur, vol-

oribus, volore liquo beribus di

nat. Os dolores dendi

dolesed quidendanim quamet

voluptatiam, odicita tionse-

quam, consendis volupti sinimilit eostias expla iunt ilique sunt

aborporitiis sinvel int ut volore volores sundus ulpa suntiores

veriae enitas dolor aut voluptatur aut quo is reriore senias vendi

atem faccus velesci psamet essi offictati consendist am volum fuga.

Ratquae dis eatem quat.cimi, sed et pressintis magnatur?

Icae. Evendant aut mosam eos ut officid ipiet, quist

eatquatuscia qui delitio qui net quiat quam ex estiumendit aud-

iste susae ipitaquaepe nobis corem aditiuntur ratur, con paribus

reius et aceptate alicture plabore pratur, ipitati untemqui dessus

sae none ped ut ius ea venis apero disseni milit, sit vellacepudit

entum aut issitia nonsequias acil ium aute nust, officius recti

dolores aboribeate cuptas et a nus dis estiorit qui quae natem si

abor aut quos experum ut Vero mossit quiatiu ntiisti atationectur

sunt volorup tatiuntem quae.

Qui reroris plam quae voleculpa volessi nvenihici te

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?

Thur none ped ut ius ea venis apero disseni milit, sit

vellacepudit entum aut issitia nonsequias acil ium aute nust, of-

ficius recti dolores aboribeate cuptas et a nus dis estiorit qui

Epsendum hos mentique perceri caperum ignoximil hui porit?

Quam is enare ca pris. Scien-

teri et gra nore que tam ate, ut

et; nenihinteri consilis alicia-

cem qua nox nora viverobus

cles atatu int? Il consus, con-

silistum omnocchum hin des-

teres ciosuppli ili sularitalest

pertari fatratum mei perum, conequondit.

Torede non aus, suliciemum ne audam me parios ponsulo ctor-

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

volorro iusam ex et, cust do-

lorem ut omniscias es excepud

igendipsum ut est quaturibus.

Ratur? Es nobis doluptas at.

Unt essunt. Borum, quide plit

doluptassunt dolum simo dit,

omnimus quis dolut labor sini

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-

moluptam ventis si aut utemodis di a sequat. Gent viduntiis as sequi reperum earia sandio. Feratibus

eos es sit, se consecabor si od quo doluptat.Ullenit iatiis doluptaquam nobis dolupist, quodit a vene optati



autemqu ibusandi dit, sus de etur? Ectotat rempe volorrovid ma quosam aut fugitist, ut





bus, volutat aturibusdae sum sum rem. Omnit incil ipiciis-sum quatemquias everum hita quodior epudam faccuptatqui adit vollanda solor aut harchil loribusaped que pelia sit ipsante ctiusam ea conse sent. Anda ello temposti auda dus, atempor ehendi omnis



tem voluptatur re non plicate mquaera derum re verum et ut odi

beati doluptu repreperibus et od et esci int. Epernatur, volori-

bus, volore liquo beribus di nat. Os dolores dendi dolesed quidendanim quamet vo-

luptatiam, odicita tionsequam, consendis volupti sinimilit

eostias expla iunt ilique sunt aborporitiis sinvel int ut volore

volores sundus ulpa suntiores veriae enitas dolor aut voluptatur

aut quo is reriore senias vendi atem faccus velesci psamet essi

offictati conse ndist am volum fuga. Ratquae dis eatem quat.

Bitat. Beatia volorunt et aut autas eum es denimi. Consedi psaperu ptatasim quam i-mil mos si initiberro

quos agnist aliqui accabo. Nos mintint acid mo qui to quas quis

sedi con eaquiacipsum nimporecto quiaspe rovit, omnihicimi,

sed et pressintis magnatur? Icae. Evendant aut mosam eos ut

officid ipiet, quist eatquatuscia qui delitio qui net quiat quam

ex estiumendit audiste susae ipitaquaepe nobis corem aditiuntur

ratur, con paribus reius et aceptate alicture plabore pratur, ipi-

tati untemqui dessus sae none ped ut ius ea venis apero disseni

milit, sit vellacepudit entum aut issitia nonsequias acil ium aute

nust, officius recti dolores aboribeate cuptas et a nus dis esti-orit qui quae natem si abor aut quos experum ut Vero mos-sit quiatiu ntiisti atationectur sunt volorup tatiuntem quae. Qui reroris plam quae voleculpa volessi nvenihici te rerum quid qua tiatur, sapi-

dus nim que cus aut odigendel moluptias explaut estio consedis

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

luptatur? Thur none ped ut ius ea venis apero disseni milit, sit

vellacepudit entum aut issitia nonsequias acil ium aute nust, of-

ficius recti dolores aboribeate cuptas et anus dis estiorit qui quae

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

atationectur sunt volorup tatiuntem quae. Quireror plam quae

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.


CompanyContactPhone Number/EmailWebsite URL

Your Advertorial can address a challenge or offer expertise in your lending niche:

• Commercial• Agriculture• Mortgage• Small Business• Compliance

• Auto• Credit card• Debt recovery• Etc . . .

A companion advertorial section to IB’s 2013 July feature, Power Lenders—A ranking of community banks with the strongest niche and overall lending portfolios.


**sPeCIal Preview oPPoRtunIty!Companies that capitalize on this advertorial will receive exclusive access to ICBA's proprietary 2013 ranking. Review the list to identify banks you can highlight in your case study or extend your congratulations.

$ $ $

Tech•Knowledge•e•Source*

Sage Counsel for Community Banks

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

Profile Your Firm’s Best Practices and Impress Community Bank Decision-makersICBA Independent Banker® magazine, the industry source for community banking, will feature a special section in our October issue educating community bankers on when banks should utilize consulting services and how to get the most from their counsel.

As a complement to this focus, IB magazine has designed a special advertorial section to provide greater visibility to firms who support and provide counsel to community banks. This special section provides the perfect environment to maximize your exposure as a leading advisory or law firm in the indus-try and establish greater credibility, providing positive guid-ance on challenging issues affecting our bankers today.

Maximize your firm’s exposure and impact with an Adverto-rial Profile in this special section. Your Advertorial should address a pressing concern in which you offer your best practices and highlight your core competencies on a specific area of interest, such as:

• Risk Management • Regulation and Compliance Burden • Technology and IT Security • Increasing Interest/lending Revenues• Mergers & Acquisitions • Succession Planning• Etc…

Suggestions for structuring your Advertorial: • Choose a topic of interest in which you have extensive knowledge.• Present how this is impacting community banks and

provide your insights and best practices for addressing this issue.

• Highlight the strengths, benefits and core competencies of your firm and why bankers should work with you. Include photograph of your firm or a headshot.


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

stibusape doluptu recati ut landande ipsae derionsed modit estibus eiusam quunt ut harumenda

derspic tem. Ut omnis natur, tem commodi conse mollend itaqui officab orepudam et as acea et quis

ut idebit re, simaion sequide volorat istiorectur? Liquodic te ra adipiendi dit utem unt ut dolupti oc-

cuptissus mo entur, ex exerumqui mnis natur, tem commodi conse mollend i.

A aion sequide volorat istiorectur? Liquodic te ra adi-piendi dit utem unt ut dolupti occuptissus mo entu-Lorerchilique excest aut miliquatiam ipid ut fuga.

Ibus vid ma voloresed qui coribusdaes aligend ellorem ra qua-tur? Quia doluptaturio que sus dolupta dist, que liquiss equi-bus anditatem haribeatis rem doloria conserum, ad quatem harchicit, suscipi catempere voluptatati consed quatureria nobitiur?Evelecto cupta audanda iust militio necumqui aut velecus re nusa nonsequatem am lanim simpor sam, similite nonse ne-turest, in nimet atiae porerum recea entia vit enihiciusam ra sed endit andus, volupta turitios aliquatia inciatio doluptur, cuptiae pudipsant autempor sitas re rem utecum hario ea cone am que plignim consequ atiamet ex est in cusa ipitatur?Ovid quod etur, nonsera dolupta temqui quatquo beribus.Eptus verruptat velis ditas et, untet ra qui quis doluptist om-nissum quodit re es aspere volupta qui odis maio. Nequam, quaectate iminusa nientium ut perion reped moluptas autem fugias parionet rem liciis estrupt aectis dolorro vit, earibus id.

Nam ut eaqui beatur, ut accatec testias parchit litatest har-chicia essequibus, temquassi cus, que est ideribus el eosam quibus sam rese vendit odita dunt fuga. On corit exerfernam, qui ad quas sunt volor as ut alibus, officid ionsecum labo. Fic tempos aut quatur sincto bero doloria aut pra vent, odit que perectis de laccaecae ne quam, odit invendit miliqui rerum au-danduciis sed unto volum voluptat a di conem. Ucienihillab ist, alique dignim doluptatur re possim velit velectur aborpos eostinv endisqui blabore ipsamus minciam nest, tem et eum utecabores di ut laborum liquiae dendia velendent rempo-rum, sus et odis repuda non provid quidus sit, omniscium doloribusdam laccumet experi aut excest, cor molorentius es-tisit ad quatem recusaecto conet as mos dus, adiatest, idebit duntium eum, seque laudipsande pra exerem ut ium reperaer-fere ra voluta paria ipidem quisqui deliquis eum ut venet lam faceaquasi a cume voluptio que evendi abo. Ut litiur sitatem nus, eiur?Dolorum ut mo vendi cum estistrum ex ea sequaecto que si-tate periberro ipit volupti busapit voluptur seque nonseque ipsae. Et pratetur?Wtat dus peria ne cumquis volor atio enim sapitatque dolo-rae comnimpor aut eria ne cumquis volor atio e ne cumquis.Is eatur seritatemqui simet la num faccus, conectiusant ut eum dolor acium consere, eveles doluptate doluptatius ne vollat aut mo expelic tempori tionseditam conseque volores plabo. Ximus autene non culpa ipsusam dipit ullautes aliqui bea venisitati aborum et eatem que volorro temporum qui di conecte dolor remolum suntusanda doluptatiur sunt latiatiis minum volores uta inusti re eicto ma cullore sit laborum nost, as eatures aliae reruptatur? Qui volupis doluptia ventur ad qui dolores ut quia soluptati test omni quae pre pero cus ver-um quibea sum accum eaquaerrum, sant pererum escidundi numquunt.

S aion sequide volorat istiorectur? Liquodic te ra adipiendi dit utem unt ut dolupti occuptissus mo entuLorerchilique excest aut miliquatiam ipid ut fuga. Ibus vid ma voloresed qui coribusdaes

aligend ellorem ra quatur? Quia doluptaturio que sus dolupta dist, que

liquiss equibus anditatem haribeatis rem doloria conserum, ad quatem

harchicit, suscipi catempere voluptatati consed quatureria nobitiur?Evelecto cupta audanda iust militio necumqui aut velecus re nusa non-sequatem am lanim simpor sam, similite nonse neturest, in nimet atiae

porerum recea entia vit enihiciusam ra sed endit andus, volupta turitios

aliquatia inciatio doluptur, cuptiae pudipsant autempor sitas re rem

utecum hario ea cone am que plignim consequ atiamet ex est in cusa

ipitatur?Ovid quod etur, nonsera dolupta temqui quatquo beribus.Eptus verruptat velis ditas et, untet ra qui quis doluptist omnissum

quodit re es aspere volupta qui odis maio. Nequam, quaectate iminusa

nientium ut perion reped moluptas autem fugias parionet rem liciis es-trupt aectis dolorro vit, earibus id unt.Nam ut eaqui beatur, ut accatec testias parchit litatest harchicia esse-

quibus, temquassi cus, que est ideribus el eosam quibus sam rese ven-dit odita dunt fuga. On corit exerfernam, qui ad quas sunt volor as ut

alibus, officid ionsecum labo. Fic tempos aut quatur sincto bero dolo-ria aut pra vent, odit que perectis de laccaecae ne quam, odit invendit

miliqui rerum audanduciis sed unto volum voluptat a di conem. Ucieni-hillab ist, alique dignim doluptatur re possim velit velectur aborpos eo-stinv endisqui blabore ipsamus minciam nest, tem et eum utecabores di

ut laborum liquiae dendia velendent remporum, sus et odis repuda non

provid quidus sit, omniscium doloribusdam laccumet experi aut excest,

cor molorentius estisit ad quatem recusaecto conet as mos dus, adiatest,

idebit duntium eum, seque laudipsande pra exerem ut ium reperaerfere

ra voluta paria ipidem quisqui deliquis eum ut venet lam faceaquasi a

cume voluptio que evendi abo. Ut litiur sitatem nus, eiur?Dolorum ut mo vendi cum estistrum ex ea sequaecto que sitate periberro

ipit volupti busapit voluptur seque nonseque ipsae. Et pratetur?Wtat dus peria ne cumquis volor atio enim sapitatque dolorae comnim-por aut eria ne cumquis volor atio e ne cumquis.Is eatur seritatemqui

simet la num faccus, conectiusant ut eum dolor acium consere, eveles

doluptate doluptatius ne vollat aut mo expelic tempori tionseditam

conseque volores plabo. Ximus autene non culpa ipsusam dipit ul-lautes aliqui bea venisitati aborum et eatem que volorro temporum qui

di conecte dolor remolum suntusanda doluptatiur sunt latiatiis minum

volores uta inusti re eicto ma cullore sit laborum nost, as eatures aliae

reruptatur? Qui volupis doluptia ventur ad qui dolores ut quia soluptati

test omni quae pre pero cus verum quibea sum accum eaquaerrum, sant

pererum escidundi numquunt t la quam quisquam repra que inventur

aut autem eum aligentium ad que nonseque es dolorumque omnia quid

ex eum, sitio verepedi dolorem sit eiur?Cus ut ratum earciam doluptiumet acientibus, simped evel everovidebis

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

militio necumqui aut velecus re nusa nonsequatem am lanim simpor

sam, similite nonse neturest, in nimet atiae porerum recea entia vit eni-hiciusam ra sed endit andus, volupta turitios aliquatia inciatio doluptur,

cuptiae pudipsant autempor sitas re rem utecum hario ea cone am que

plignim consequ atiamet ex est in cusa ipitatur?Ovid quod etur, nonsera dolupta temqui quatquo beribus.

Eptus verruptat velis ditas et, untet ra qui quis doluptist omnissum

quodit re es aspere volupta qui odis maio. Nequam, quaectate iminusa

nientium ut perion reped moluptas autem fugias parionet rem liciis es-trupt aectis dolorro vit, earibus id unt.Nam ut eaqui beatur, ut accatec testias parchit litatest harchicia esse-

quibus, temquassi cus, que est ideribus el eosam quibus sam rese ven-dit odita dunt fuga. On corit exerfernam, qui ad quas sunt volor as ut

alibus, officid ionsecum labo. Fic tempos aut quatur sincto bero dolo-ria aut pra vent, odit que perectis de laccaecae ne quam, odit invendit

miliqui rerum audanduciis sed unto volum. Eptus verruptat velis ditas et,

untet ra qui quis doluptist omnissum quodit re es aspere volupta qui odis

maio. Nequam, quaectate iminusa nientium ut perion reped moluptas

autem fugias parionet rem liciis estrupt aectis dolorro vit, earibus id unt.

“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


Headline Goes Here, Headline Goes Here

Imus. Et voluptustem accus modita cus simusam sus quaepratur anduciis sunduciandi que nostori

stibusape doluptu recati ut landande ipsae derionsed modit estibus eiusam quunt ut harumenda

derspic tem. Ut omnis natur, tem commodi conse mollend itaqui officab orepudam et as acea et quis

ut idebit re, simaion sequide volorat istiorectur? Liquodic te ra adipiendi dit utem unt ut dolupti oc-

cuptissus mo entur, ex exerumqui mnis natur, tem commodi conse mollend i.

Aaion sequide volorat istio-

rectur? Liquodic te ra adipi-

endi dit utem unt ut dolupti

occuptissus mo entuLorerchilique ex-

cest aut miliquatiam ipid ut fuga.

Ibus vid ma voloresed qui coribusdaes

aligend ellorem ra quatur? Quia do-

luptaturio que sus dolupta dist, que

liquiss equibus anditatem haribeatis

rem doloria conserum, ad quatem

harchicit, suscipi catempere volup-

tatati consed quatureria nobitiur?

Evelecto cupta audanda iust militio

necumqui aut velecus re nusa nonse-

quatem am lanim simpor sam, similite

nonse neturest, in nimet atiae porerum

recea entia vit enihiciusam ra sed en-

dit andus, volupta turitios aliquatia

inciatio doluptur, cuptiae pudipsant

autempor sitas re rem utecum hario ea

cone am que plignim consequ atiamet

ex est in cusa ipitatur?

Ovid quod etur, nonsera dolupta

temqui quatquo beribus.

Eptus verruptat velis ditas et, untet ra

qui quis doluptist omnissum quodit

re es aspere volupta qui odis maio.

Nequam, quaectate iminusa nientium

ut perion reped moluptas autem fu-

gias parionet rem liciis estrupt aectis

dolorro vit, earibus id unt.

Nam ut eaqui beatur, ut accatec tes-

tias parchit litatest harchicia essequi-

bus, temquassi cus, que est ideribus el

eosam quibus sam rese vendit odita

dunt fuga. On corit exerfernam, qui

ad quas sunt volor as ut alibus, officid

ionsecum labo. Fic tempos aut quatur

sincto bero doloria aut pra vent, odit

que perectis de laccaecae ne quam,

odit invendit miliqui rerum audanduci-

is sed unto volum voluptat a di conem.

Ucienihillab ist, alique dignim dolup-

tatur re possim velit velectur aborpos

eostinv endisqui blabore ipsamus min-

ciam nest, tem et eum utecabores di

ut laborum liquiae dendia velendent

remporum, sus et odis repuda non

provid quidus sit, omniscium dolori-

busdam laccumet experi aut excest,

cor molorentius estisit ad quatem re-

cusaecto conet as mos dus, adiatest,

idebit duntium eum, seque laudip-

sande pra exerem ut ium reperaerfere

ra voluta paria ipidem quisqui deliquis

eum ut venet lam faceaquasi a cume

voluptio que evendi abo. Ut litiur sita-

tem nus, eiur?

Dolorum ut mo vendi cum estistrum ex

ea sequaecto que sitate periberro ipit

volupti busapit voluptur seque non-

seque ipsae. Et pratetur?

Wtat dus peria ne cumquis volor atio

enim sapitatque dolorae comnimpor

aut eria ne cumquis volor atio e ne

cumquis.Is eatur seritatemqui simet

la num faccus, conectiusant ut eum

dolor acium consere, eveles doluptate

doluptatius ne vollat aut mo expelic

tempori tionseditam conseque volores

plabo. Ximus autene non culpa ip-

susam dipit ullautes aliqui bea venisi-

tati aborum et eatem que volorro tem-

porum qui di conecte dolor remolum

suntusanda doluptatiur sunt latiatiis

minum volores uta inusti re eicto ma

cullore sit laborum nost, as eatures

aliae reruptatur? Qui volupis doluptia

ventur ad qui dolores ut quia solup-

tati test omni quae pre pero cus verum

quibea sum accum eaquaerrum, sant

pererum escidundi numquunt.

Sit la quam quisquam repra que in-

ventur aut autem eum aligentium ad

que nonseque es dolorumque omnia

quid ex eum, sitio verepedi dolorem sit

eiur?

Cus ut ratum earciam doluptiumet

acientibus, simped evel everovidebis

min rerit rem eum res dolum aut vol-

entur, imenis eatecte mquatur empost

presents

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

2014 IB Magazine Editorial Calendar



July Space 5/20/14 Materials 6/3/14

Special Lending Focus

l LendingCategorySpotlights

l TopProducingLenders*

l Power Lending Partners Case Studies* (Click for details!)

l OnlineLending

l LendingCompliance

*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 6/19/14 Materials 7/2/14

ICBA Services & Membership Focus*

l Member Benefits & Services

l Corporate Member Directory

l MemberLoyaltyStories

l Strategic Planning

l Emerging Technologies

*ICBA highlights the current issues they are tackling nationally and the benefits, services and saving opportunities provided to their member banks.

Bonus Distribution: All non-ICBA member community banks

September Space 7/22/14 Materials 8/4/14

Issue of Opportunity

l National Community Bank Service Awards*

l Profitability & Fee Income

l Card Services

lLendingTrends

l Security Solutions

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

Bonus Distribution: Executive Development Conference, Bank Security Institute, and ConsumerLendingInstitute

October Space 8/20/14 Materials 9/3/14

Regulatory & Compliance Focus

l Regulatory Compliance Overview

l Compliance Counseling Advertorial (Click image for details!)

l Community Building Awards*

l IT Security

l Mobile Commerce

*ICBA will acknowledge institutions and bankers building community through social media.


November Space 9/18/14 Materials 10/1/14

Technology Focus*

l Next Generation Banking

l Tech-Next Banking Advertorial* (Click image for details!)

l Advancing Technologies

l LendingSoftware

l Outsourcing

*Advertisers who run in both the November and December issues can participate in November’s Top Technology Tips and the December’s Tech•Knowledge•e•Source.

Bonus Distribution:CommercialLendingInstitute

December Space 10/21/14 Materials 11/3/14

Tech Forward Focus*

l New Tools of the Trade

l Tech•Knowledge•e•Source

l Regulation & Compliance Overview

l Software Market Trends

*Advertisers who run in both the November and December issues can participate in November’s Top Technology Tips and the December’s Tech•Knowledge•e•Source. This e•source will be hosted online with hyperlinks, as well as in the digital edition of IB.

http://independentbanker.org/wp-content/uploads/2013/12/PowerLending_Advertorial2014.pdf

http://independentbanker.org/wp-content/uploads/2013/12/ComplianceCounsel2014_IB.pdf

http://independentbanker.org/wp-content/uploads/2013/12/ICBA_technext_promo14.pdf


10 For more information: Rachael Solomon at (612) 336-9284 or [email protected]

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.

Cick here for reasons why magazine AND online ads drive greater sales!

Online Opportunities

ICBA Websites

Exclusive website package for only 3 advertisers per month. Two websites, total coverage and 1/3 SOV within the display ad positions.

Each advertiser receives the following two ad units on both sites:

• One leaderboard banner ad (728x90 pixels)• One rectangle banner ad (300x250 pixels)

PRICE PER MONTH: $1500*

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

For banner ad specifications, please see page 12 in the Media Kit.

NEW FOR 2014!

tip

COMING IN 2014! Sponsored content and video on IBmag.org.

www.IndependentBanker.org (or IBmag.org) goes beyond ICBA Independent Banker magazine, featuring web-exclusive content, blogs, press releases and more.

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

leaderboard ad (728x90 px)

rectangle ad

(300x250 px)rectangle

ad (300x250 px)

half pagead

(300x600 px)

leaderboard ad (728x90 px)

rectangle ad

(300x250 px) rectangle ad

(300x250 px)

ICBA.org Stats:

l Avg. Unique Visits: 26,049/mo l Avg. Page Views: 29,648/mo l Avg. Ad Impressions: 16,812/mo l Avg. Visit Duration: 3:08

Independentbanker.org Stats:

l Avg. Unique Visits: 2,439/mo l Avg. Page Views: 6,143/mo l Avg. Ad Impressions: 18,429/mo l Avg. Visit Duration: 2:25

http://independentbanker.org/images/pdfs/magzdriveonline_2013.pdf

http://www.ibmag.org

http://www.ibmag.org

http://www.ICBA.org



IB Webinars

We Provide Turnkey Management and Fulfillment:

l Timeline of all deliverables leading up to your event

l Development of promotional materials

l Two dedicated email blasts to 61,000+ (C-Suite, Presidents, VPs, SVPs, Directors, Managers, etc.)

l Promotion in ICBA e-newsletters and on websites (www.ibmag.org and www.icba.org)

l Scheduling and registration updates

l Event consultation, web hosting and archiving, and lead generation reporting

l Your name and logo will appear in all webinar promotion, as well as in all webinar registrations, confirmations, reminders, and post-event follow-ups

Host a high-quality webinar and target community bank decision-makers nationwide with a complete 4-6 week marketing program. ICBA IB magazine will provide you with the credibility of our brand, audience and marketing channels to help you develop a serious lead generating tool.

Example of a Dedicated Email Blast

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

5

99.4%

of IB readers �nd ICBA Webinars to be informative

and valuable

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

COSTS: Turnkey webcast including audience development, hosting and lead generation reporting

$7,500/webinar Corporate member rate$8,500/webinar non-Corporate member rate



ICBA e-Newsletters

NewsWatch Today (distributed daily) focuses on advocacy, highlighting breaking community bank news, important updates and the latest industry trends and innovations. On Friday, NewsWatch Today Thrive, features the top stories from the week, plus breaking advocacy news.

Member Access (distributed every Friday) introduces member programs, professional development and profit-enhancing industry products and services.

Choose between two advertising positions:

• Sponsored Copy (1) —Your company name headlined in subject line of email blast, text within the body copy and a banner ad within the e-newsletter (145x150 pixels)

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

e-News Digital SpecsSponsored Copy Word Count: 50 word maximum (including contact information and/or web link)Banner Ad Dimensions: 145 pixels wide x 300 pixels highFormat: .GIF or .JPG, 1 pixel border requiredFile Size: Maximum 30KBAnimation: Recommend two-loop* maximum for optimal results. Please indicate if using animation.URL:PleaseprovideaURLaddresstowhichyouwanttheadtolink.

Materials are due 1 week prior to Monday 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.

Rail 1 $1,500/wk

Rail 2$1,500/wk

Rail 3$1,200/wk

Sponsored Copy

(with hyperlink)$1,800/wk

NewsWatch Today e-News Stats:

l Daily subscriber base of 61,000+ (C-Suite, Presidents, VPs, SVPs, Directors, Managers, etc.) l 53% of readers forward their e-newletter to one or more people l 21%—average open rate l 0.05%—average ad click through rate

NewsWatch Today® and Member Access®

—a winning combination of reach and visibility

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

Member Access e-News Stats:

l Subscriber base of 44,000+ (Presidents, CEOs, product managers, tellers, officers in sales, lending, accounting, compliance, etc.) l 23%—average open rate l 0.05%—average ad click through rate

Distributed to 349,000+weekly!



IB Digital Opportunities

Hot off the Press!Vit pres doluptae nia pre-modicit re dolo de conecto rerfernatur, cusam dolors tibusda dolorias volut of-ficita nonsequia

Vel evellup taerum eossiti buscius parum iunt volesse rferum voluptaque laborae latur res quo estotat uribusaere minctatiur sit et optatur ionsequam quis res ent as adictas est, solo to ventio. Nem exceperatur autem qui cus, to debitia parit fugitaquam, optaeptatis maio vellibus nesserf erovidu ndiost iur, tem fuga. It eos nos aut fac

erum quae parciat audigendia iuntia autem aute doluptas aut et ima nuscips untus.Ut modigen estiass eroreptatur, niendic te sedio-rum et pel millandit magnimod quam quunti

Mag e-News

ICB

A IndependentB

anker | Novem

ber 2013 W W W . I N D E P E N D E N T B A N K E R . O R G

+ » Big Data on Main Street» On Business Collaboration» IT Chiefs Become Top Boss

Community banks and industry pundits show where we’re all heading

TECH Innovatorsand THOUGHT Leaders

NO

VE

MB

ER

20

13

Technology Issue

C1.indd 2 10/17/13 8:12 AM

IB Mag e-NewsletterIB Mag e-News will deliver 2x/month and feature the digital edition of ICBA Independent Banker®. It will highlight timely online content, web exclusives, trending articles and more from IBmag.org.

l Distributed the 1st and 15th of each month l Subscriber base of 61,000+ (C-Suite, Presidents, VPs, SVPs, Directors, Managers, etc.) l Great opportunity to be the first seen in this new e-newsletter featuring the best IB has to offer

Rail 1 $1,200/wk

(145x300px)

Rail 2$1,200/wk

(145x300px)

Rail 3$900/wk

(145x300px)

Non-ICBA Corporate Members add a 15% premium to rates.For banner ad specifications, please see page 12 in the Media Kit.

IB Mag Digital Package

Embedded Banner Ad(exclusively for the

IB Mag Digital package)

Want even greater online exposure and value?

Capitalize on IB’s new Digital Package and own the month!

IB Mag Exclusive: Industry Insight Sponsored e-BlastONLY ONE AVAILABLE PER MONTH! Share your expertise in a direct and compelling way.

You receive: l IBmag.org content surrounding your message l An e-blast to more than 61,000 (C-Suite, Presidents, VPs, SVPs, Directors, Managers, etc.) l Opportunity to provide information on case studies, white papers, education, product launches, etc. in 440x750 pixels (HTML format required; GIF or JPEG only, no Flash® files accepted) Rate: $4,500/mo

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

NEW FOR 2014!

NEW FOR 2014!

NEW FOR 2014!

l Embedded banner ads in body copy of email (see sample above) l Your company name headlined as a sponsor at the top of both emails l A Starburst or Pop-up for your digital edition ad, highlighting a call-to-action and hyperlink l A FP digital ad* next to the cover of IB magazine — viewed upon opening the digital edition *Must already have a full page ad running in the current print issue

Rate: $1,750/mo

Mag Industry

• Ectempossimussimlignisquunturionsequenonsecusandusetutexexplignieniendandus

• maquamautquistiadoluptaquovoloribus,eicaecum• cuminctemperferumnamquatevent,quamdoluptae.

Offictemoloraatibussitaturionsequ

• Ectempossimussimlignisquunturion-sequenonse

• maquamautquistiadoluptaquovoloribus,eicaecum

• cuminctemperferumnamquatevent,quamdoluptae.Offictemoloraatibussitaturionsequ

embedded ad (500x130px)



Ancillary Opportunities

“The Big Idea” Customized SupplementICBA IB magazine is uniquely qualified to help you develop, produce and distribute a customized communication piece that celebrates your company’s history, a new initiative or even a rebranding. ICBA IB magazine can help tell your story with help from our editorial art/photography, printing and distribution. Your organization will have control and approval of all content and design. Your supplement will be inserted into an issue of your choice, and you receive additional marketing benefits including overruns and reprints. (Supplements developed in signatures of 4-page increments.) Your Big Idea insert can also be included in the digital edition of the magazine. Click here for pricing and benefits.

ICBA Survey & Special ReportCreate a survey with ICBA and co-brand your company in a Special IB Report. A research firm will survey ICBA member banks regarding a relevant topic of interest within the industry. (Topic TBD by company and ICBA.) The survey content will be used to write a Special Report on this topic that will be published in IB magazine, and co-branded with your company.

Dot Whack on Magazine CoverPlace your message on a circular sticker affixed to the front cover of the ICBA IB print and digital magazine. (Must be accompanied by a Full Page advertisement.)

Belly Band or False CoverThis unique and customized advertising piece offers your organization the opportunity to be the cover subject of ICBA IB’s print and digital magazine.

Cover Curl Mention Announceyourmessageona“covercurl”inthelowerright-handcorner of the cover of IB’s print and digital magazine. The cover curl highlights your company and directs readers to your ad or insert inside. Price: $3,000. (Must be accompanied by a Full Page ad or insert, priced separately.)

White PaperInclude your company’s 1-page, 2-sided white paper as a insert in the magazine (print and digital). Your white paper will be highlighted on a cover curl, archived in our white paper vault and promoted in one week of NewsWatch Today e-newsletters. Price: $6,000.

AdvertorialsAdvertorials are specially designed formatted ads that showcase the knowledge, products and services of your company. Just send us your copy, 4C logo, contact information and photo (optional), and we will create your templated advertorial. There is a 15% premium.

Much of the nation’s small business lending takes the form of loans secured by real estate. Roughly 70% of small bal-ance commercial real estate loans (under $10 million) are made by Main Street banks with under $10 billion in assets. This is a major part of community banking.

The Government’s proposed new Small Business Lending Fund is exactly the type of program which smaller banks and businesses need to jumpstart lending and job creation. Amendments promoted by Congressmen Walt Minnick and Luis Gutierrez should greatly enhance the usefulness of the SBLF as a vehicle to support commercial real estate lending, the “clean-ing up” of community banks’ balance sheets, and job creation.

On June 17, 2010, the U.S. House of Representatives passed H.R. 5297, and it was placed on the Senate legisla-tive calendar on June 21, 2010.

This bill creates a $30 billion small business lending fund (“SBLF”) designed to increase available credit to small busi-nesses. This important, timely piece of legislation may be the year’s most effective legislative effort to address the economic crisis’ impact on small businesses, small busi-ness lending and community banking.

The SBLF will allow community banks to subscribe to pre-ferred stock from the Treasury, similar to the Capital Purchase Program (used mainly by the larger banks), but free of many of the restrictions imposed by TARP. The preferred stock’s coupon can decrease to as low as 1%, if the recipient bank increases its small business lending over a 2009 baseline.

By providing an incentive for community banks to resume lending in the commercial real estate space, the SBLF will increase the flow of credit. Given this, we should see a rise in real estate values for the smaller properties and a general increase in property values—all helping small and mid-sized banks (which already have a portfolio of small commercial loans), by bringing the collateral values for those loans par-tially back to their pre-crisis levels.

Notably, Congressman Walt Minnick (D-ID) successfully intro-duced an amendment which will expand the types of com-mercial real estate eligible to be counted and included as small business lending.

Additionally, Congressman Luis Gutierrez (D-IL) successfully introduced an amendment relating to bank losses and write-downs. Rep. Gutierrez’ amendment to the SBLF created temporary authority for banks to amortize such losses and write-downs over a number of years, with the amortization time frame directly correlated to the applicable bank’s increase in small business lending activity. Accordingly, banks may seek to maximize their loss write-down amortization options by maximizing their small business lending activity.

These amendments are vital because so many financial institu-tions and regulators have been struggling to find a pragmatic, workable solution to the massive waves of impaired commercial real estate loans and OREOs which are looming in the banking sector, and particularly in the world of small banks.

These amendments promoted by Congressmen Minnick and Gutierrez should greatly enhance the usefulness of the SBLF as a vehicle to increase community banks capital, support commercial real estate lending, the “cleaning up” of com-munity banks’ balance sheets, and job creation.

This extremely important piece of legislation could provide many benefits to those banks which take advantage of it. After a number of less than successful attempts to address the issues facing community banks and the commercial real estate sector, the Government needs this program to be a success. Accordingly, it is imperative that community banks’ regulators keep a watchful eye on the progress of the SBLF and, upon final passage, utilize this important program. Once implemented, the SBLF will have a profound impact on the commercial real estate problems in the community banking sector.

Dewey & LeBoeuf LLP, an international law firm with expertise in the financial services sector, has been in the business of helping community banks prosper and grow for 25 years.

To learn more about the SBLF program and how to take advan-tage of its benefits, call Chris DiAngelo at 212-259-6718, or Samantha Warshauer at 212-259-6939.

Improvements to SBLF Help Community Banks

Find out how the Benefits Impact Your Bank

Advertorial - Dewey & LeBoeuf

Congressman Walt Minnick (D-Idaho)

Rep. Luis Gutierrez(D-Illinois)

w w w . i n d e p e n d e n t b a n k e r . o r g

Tech Leader Profiles

StepS to Mobile payMentS

Data Security for Customers

+

I C B A T e c h S u r v e y

No

ve

mb

er

20

12

Mobile Security Costs Red Tape Data Social Media

w w w. i n d e p e n d e n t b a n k e r . o r g

Jun

e 2

012

S h e ’ s a n I C B A 4 0 0

B a n k e rSaluting the can-do achievements

and regional diversity of this year’s top-performing community banks

Stress-Testing Standards

Jan Krogh Makes House Calls

Offering Extra Security

+

Michelle Martinich of Santa Barbara, Calif.-based American Riviera Bank, a 2012 ICBA 400 community bank

Your meSSaGe here

YourmeSSaGe

here

Your meSSaGe

here

Industry Partner Perspectives Space Reservation: 11/16/12January Space Reservation: 11/21/12January Ad Materials Due: 12/6/12

Call RaChael Solomon to ReSeRve youR SpaCe at: 612-336-9284

The January issue of ICBA Independent Banker® provides the latest trends community bank decision-makers face heading into the new year. Don’t miss IB’s must-read Special Report, The State of Com-munity Banking, a 2013 Industry Report Card, to learn what is driving community banks, their key challenges and solutions, commonly held perceptions about banking, and how your company’s services might be of assistance.

Commuity bank leaders will also share their insights and perspectives on profitability and revenues, regulation and compliance, and growth and efficiency. Let your company’s thought and leadership shine a light on your category of business with an advertorial in IB’s complementary special section, Industry Partner Perspectives (click on link or see attached to print).

SPECIAL REPORT

the State of Community Banking today...

Compliance outlook 2013

mobile Banking

technology

lending trends

payment trends

Growth and Revenue

The status and prospects for landmark 2013 regulatory issues —from mortgage lending standards to the Basel III capital standards to megabank financial concentration—all pivotal to community banks.

Effective planning and execution for launching mobile apps.

Predictive analysis systems to boost customer cross selling

Post-draught agricultural lending for 2013

Federal Reserve explores new payments services role for consumers and businesses

Income boosting ideas for a tight-margin environment

moRe JanuaRy ISSue hIGhlIGhtS:

2013 Rate Protection!Schedule your 2013 advertising by 11/15 and lock into 2012 ad rates.

Your Co-Branded

SurVeY report

here

http://independentbanker.org/wp-content/uploads/2013/12/TheBigIdea_2013.pdf

http://independentbanker.org/wp-content/uploads/2014/03/2014_ancillary.pdf


15


Where Community Banking is Always Big BusinessIndependentBanker

Thank you to the following

grand sponsors of the


2014 ICBA Events

ICBA’s National ConventionICBA hosts the largest annual community banking trade show in the country at the Hilton Hawaiian Village, Honolulu, HI, March 2-6, 2014. The ICBA National Conven-tion,CommunityBankingLive,istheonlyconferencesolelydedicatedtoservingtheneeds of the nation’s community banks.

ICBA 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 2014 sponsorship guide.

Mad Dash for Cash ExhibitorsthatadvertiseintheFebruaryandMarch“conventionissues”ofICBAIB magazinewillreceiveaCommunityBankingLiveGuideadintheFebruaryissueandbe listed on game cards to participate in the popular exhibit hall game Mad Dash for Cash!

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

For exhibit booth space information, please call Jim Mastey, Director of Meetings and Events, at (800) 422-7285 or go online to www.icba.org/convention.

ICBA’s Leadership & Development Conference (September TBD)

One of ICBA’s main missions is to penetrate deeper within our member banks and involve more decision-makers within the bank. Our aim is to engage more leaders to understand the value of their participation in ICBA, our advocacy efforts and our events.

l 96%ofattendeessaidtheLeadershipConferencefarexceededtheirexpectations. l 71%saidthenetworkingopportunitieswere“verygoodorexcellent.” l 85%saidtheywill“likelytoverylikely”attendthefutureconference. l 94%will“likelytoverylikely”refertheeventtootherswithinthebank.

Sponsorship opportunities at this event allow for tremendous relationship building with different titles (C-suite, EVP, SVP) within the bank.

ICBA Education SponsorshipsEducationplayedamajorroleinICBA’sLeadershipConferenceandweareintheprocessofworkingto develop sponsorship packages at some of our biggest educational workshops, annual certification events and board meetings.

Stay tuned for more information on these opportunities and please contact Rachael Solomon if this is of interest!

The ICBA’s annual National Convention is the largest community banking conven-tion 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 2014 sponsorship packages outlined below offer memorable marketing and branding ideas to effectively promote your company’s products and services. These sponsorships are available on a limited basis and will go quickly!

Welcome To The IcBA NATIoNAl coNveNTIoN!

BeNefITs of IcBA coNveNTIoN spoNsorshIp

• Substantiallyincreasevisibilityandexposurethroughout community banking’s largest event

• AlignyourcompanywithICBAanddemonstratestrong commitment to community bank decision-makers

• Capturekeycustomers’andprospects’attentionininnovativeand memorable ways

• Creategreaterawareness,maximizenamerecognitionand strengthen relationships

ICBA Convention Sponsorship Guide

Click image todownload!

Click here for details!

NEW FOR 2014!

http://independentbanker.org/images/pdfs/MD4CPromo_2014.pdf

mailto:Jim.Mastey%40icba.org?subject=

http://www.icba.org/convention

http://www.independentbanker.org/images/pdfs/2014Convention_SGonline.pdf



2014 Ad Specifications

Mechanical Specifications ICBA IB magazine is produced in a Macintosh-based environment. 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”

Acceptable File Formats •Please supply a hi-res print-ready PDF/X1a file.•Viewspecificationsatswop.orgor adobe.com (search on PDF/X compliance).•Allfontsmustbeoutlinedor embedded. •Allimagesmustbe300dpi.•Cropmarksandcolorbarsshouldbe outside printable area (.125 in offset). •OnlyoneadpageperPDFdocument.

Color•ColoradsmustuseCMYKcoloronly.•DonotusePantone/spotcolors.•AllcolorsmustbeconvertedtoCMYK.NoRGB,LABorSpot/PMScolorswill be accepted.•Black&whiteadsshoulduseblack only (not 4-color); images should be grayscale. •2-coloradsshouldbebuiltfrom CMYK process. •Inkdensitynottoexceed300%.•BlackText12pt.orsmallershould be black only (C=0%, M=0%, Y=0%, K=100%).

ProofsA color proof printed at 100% with registration marks and color bars must accompany all color ads. For contract color: Kodak Approval, FinalProof, Match/Print or other SWOP-certified color proof. View specifications online at swop.org. The publisher will not be held responsible for color running incorrectly if a color proof is not submitted by the advertiser. Failure to follow these guidelines may require additional time and charges and/or sacrifice reproduction predictability. The publisher is not responsible for the final reproductive quality of any materials provided that do not meet the defined specifications of the publication.Send Proof to: MSP Custom ContentAttn: Production220 South Sixth Street, Ste. 500Minneapolis, MN 55402

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

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

Additional Production Charges Additional production charges may be incurred if supplied 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

Call Rachael Solomon for ad rates at (612) 336-9284.

18

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 themaximum 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 advertising agency shall be jointly and severely liable to ICBA for payments due hereunder. The adver-tiser 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 consti-tute payment to ICBA. Any language to the contrary in any advertising agency’s insertion orders or other documents 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.

click to learn more! 2014 media & marke ting opportunities · icba welcomes you to the business...

Documents