Black and White Gross Rates
	1x	3x	6x	9x	12x	18x
Full page	$5,500	$5,225	$4,840	$4,565	$4,290	$3,960
2/3 page	4,350	4,133	3,828	3,611	3,393	3,132
1/2 page	3,630	3,449	3,194	3,013	2,831	2,614
1/3 page	2,475	2,352	2,178	2,054	1,931	1,782
1/6 page	1,375	1,307	1,210	1,141	1,073	990

4/Color Gross Rates
	1x	3x	6x	9x	12x	18x
Full page	$6,600	$6,325	$5,940	$5,665	$5,390	$5,060
2/3 page	5,450	5,233	4,928	4,711	4,493	4,232
1/2 page	4,730	4,549	4,294	4,113	3,931	4,232
1/3 page	3,575	3,452	3,278	3,154	3,031	1,782
1/6 page	2,475	2,407	2,310	2,241	1,073	2,173

2/Color Gross Rates
2/Color	B&W space rate	+$500

Frequency rates are based on the number of insertions within the 12-month period beginning with the month of the first insertion.

Inserts
Business Reply Cards, two-page, four-page and other supplied inserts are available. Contact your advertising account executive for rate information and mechanical specifications.

Issuance and Closing Dates
Advisor Today is published monthly on the first day of the month. Reservations for space are due on the 5th of the month preceding the issue date. Ad materials are due the 10th of the month preceding the issue date.

Cancellation Dates
Cancellation is accepted only before the final date for reservations (5th of the month preceding the issue date).

Mailing Instructions
All contracts, insertion orders, advertising material and correspondence pertaining to advertising should be addressed to:

Advisor Today, Advertising Department
2901 Telestar Court
Falls Church, VA 22042-1205
phone 800-247-4074 fax 703-770-8212
For more information call 800-247-4074 or email Advertising.

Advertising Terms and Conditions
It is agreed by the parties to this contract that the final determination for acceptance or rejection of any advertisement shall be made by the editor of Advisor Today, a publication of the National Association of Insurance and Financial Advisors Service Corporation (hereafter referred to as "publisher"). As a general guideline to prospective advertisers, the editor of Advisor Today, may reject a proposed advertisement if it:

(a) might be offensive to readership;

(b) contains clauses or statements that are false, misleading, deceptive, defamatory, vague, extravagant, or exaggerated;

(c) makes comparative claims singling out other companies that are not readily subject to verification;

(d) is submitted by an advertiser or agency with a past due and unpaid liability to the publisher or to the National Association of Insurance and Financial Advisors (NAIFA);

(e) would not comport with the insurance or other laws or regulations of a state or states or any federal laws;

(f) would be offensive to NAIFA's Code of Ethics or other official policy adopted by NAIFA. The publisher's right to reject, discontinue or omit any advertising or any part thereof shall not be deemed to have been waived by acceptance or actual use of any advertising matter.

2. Advertiser/advertising agency agrees to pay a monthly interest change of 1-1/2% on all invoices over 30 days past due.

3. One copy of each issue of Advisor Today containing the advertisement will be mailed without charge to the advertiser.

4. Insertion instructions shall be supplied for every advertisement and shall clearly state the following information: name of publication, name of advertiser, date to be inserted, size of advertisement, identification of advertisement (proof of ad to be furnished if possible) plus any special instructions such as bleed, color, etc.

5. No conditions, printed or otherwise, appearing on the space order, billing instruction or copy instructions which conflict with the publisher's stated policies will be binding on the publisher unless agreed to by the publisher.

6. A contract in effect before the effective date of new rates (if applicable) will be honored at the old rates until it expires, with the expiration date not to exceed one year from the date of the first insertion.

7. The magazine is published monthly; the closing date for orders and mechanical materials is the 5th of the month preceding issue. (For example, the closing date for the June issue is May 5). Previous advertisements will be repeated according to schedule when new copy is not received. Upon request, proofs will be submitted by publisher when material is received before the closing date. Cancellation accepted only before final date for reservations (5th of the month preceding issue).

8. Commission is not allowed on other production and mechanical charges such as binding, folding, and trimming. Commissions are paid only to recognized advertising agencies. No cash discounts are allowed.

9. Inserts: Publisher must be contacted regarding mechanical specifications and total number of inserts required for any issue. Number varies according to membership. All copy, paper and layout must be approved by the publisher before the insert is printed. If this requirement is not complied with, publisher will not accept responsibility for inserts. Insert is to be delivered folded. Publisher controls location of insert. Magazine is perfect bound.

10. Orders acceptable for not more than one year in advance.

11. A contract year, or twelve-month period, starts from the date of the first insertion. Twelve-month periods do not overlap; in other words, space counted in one contract period to determine the rate for that period, cannot be counted again toward determining the rate for the subsequent or past periods.

12. Space orders wherever possible should specify a definite schedule of insertions, issues and sizes of space.

13. The forwarding of an order is construed as an acceptance of all the rates and conditions under which advertising is at the time sold.

14. The publisher reserves the right to void any contracts unless the first insertion is used within three months from date thereof.

15. Contracts may be discontinued by either party on 30 days' written notice.

16. Verbal agreements are not recognized.

17. If more or fewer insertions are used within one year than specified in the order, charges will be adjusted in accordance with established rates.

18. Cancellation of space order forfeits the right to position protection.

19. The publisher reserves the right to give better position than specified in the order, at no increase in rate.

20. Advertiser and advertising agency agree to indemnify, defend and hold harmless the publisher and NAIFA from any and all liability for content (including text, illustrations, representations, sketches, maps, trademarks, labels or other copy-righted matter) of advertisements printed, or the unauthorized use of any person's name or photograph arising from the publisher's reproduction and publishing of such advertisements pursuant to the advertiser's or agency's order. Advertiser and advertising agency acknowledge that to the best of their knowledge and belief, products and services advertised meet the requirements of applicable state and federal laws and are as warranted.

21. All advertising is subject to the publisher's approval. The publisher reserves the right to reject advertising which it feels is not in keeping with the publication's standard.

22. The advertiser's index is prepared under the regulations and policies of the publisher as an extra service to the advertiser over and above its space order. The publisher, therefore, does not assume liability for errors in the index notwithstanding all normal precautions.

23. The publisher's liability for any error will not exceed the charge for the advertisement in question.

24. The publisher assumes no liability if for any reason it becomes necessary to omit an advertisement.

25. Publisher is not liable for delays in delivery and/or non-delivery in the event of Act of God; action by any governmental or quasi-governmental entity, fire, flood, insurrection, riot, explosion, embargo, strikes whether legal or illegal, labor or material shortage, transportation interruption of any kind, work slow-down, or any condition beyond the control of publisher affecting production or delivery in any manner.

26. Failure to make the order correspond in price or otherwise with the rate schedule is regarded only as a clerical error and publication is made and charged according to the terms of the schedule in force without further notice.

27. The publisher reserves the right to limit the size of space to be occupied by any advertisement.

28. Two or more advertisers are not permitted to use space under the same contract.

29. Multiple insertion rates are given only to a single billing entity. Two or more advertising agencies do not qualify for a reduced rate by grouping insertions from a shared client.

30. When change of copy, covered by an uncancelled insertion order is not received by the closing date, copy run in the previous issue will be inserted where applicable.

31. The publisher assumes no liability for errors or omissions in key numbers, or its reader's service section, and/or reader's service numbers, or advertisers index.

32. Any deliberate attempt to simulate the publication's format is not permitted, and the publisher reserves the right to place the word "advertisement" with copy which in the publisher's opinion resembles editorial matter.

33. Requests for specified position at R.O.P. rates are given consideration but no guarantee is made unless the position premium has been provided for in the contract.

34. No allowance is made to advertisers for furnishing complete negatives, text and illustrations for their advertisements.

35. Advertisements ordered set and not used will be charged for composition.

36. It is agreed that the advertiser and its advertising agency shall be severally, or jointly and severally liable to the publisher for money due but unpaid to the publisher under this contract.

37. Unless otherwise instructed all advertising materials not called for within one year will be destroyed.

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