Advertiser and advertising agency are jointly and severally liable for payment. The Publisher will not release any advertising agency from liability even if a sequential liability clause is included in the contract, insertion order, purchase order, etc. If an agency has any past due balance exceeding 90 days, then Hanley Wood policy dictates that the client will be directly notified of such deficiency and be informed that the client is jointly and severally liable for any past due payment.

Short Rate & Rebates
Advertisers will be short-rated if, within a 12-month period from the date of the first insertion, they do not use the amount of space upon which their billings have been based. Short rates will be based upon frequency earned against published rates. Rebates will be earned, and applied to billings, when, in a 12-month period following the first insertion, the advertiser runs sufficient space to quality for the lower rate.

Rate Policy & Contract Provisions
All insertion orders for advertising are accepted subject to the terms and provisions of the current advertising rate card. Publication of the advertisement represents acceptance of the order. The Publisher will not be bound by any conditions, printed or otherwise, appearing on any order blank, insertion order or contract when they conflict with the terms and conditions of this rate card, or any amendment thereof.

Any insertion of advertising made by the agency or advertiser represents an acceptance by both the agency and the advertiser of all the terms and conditions of the rate card, applicable to the issue in which such insertion is to be published. Insertion order/contract cancellation only upon written notice prior to closing date.

Failure (by advertiser) to make the order correspond in price or otherwise with the rate schedule is regarded only as a clerical error, and publication of the advertisement will be made and charged for upon the terms of the rate schedule then in force without further notice. Advertising rates, terms and conditions set forth in this rate card shall govern all transactions and supersede any other information published in previous rate cards, directories, media guides or rate and data services. The Publisher will not honor rates or data derived from these sources unless in conformance with rate card.

Uniform rates apply to all advertisers at all times. Conversion to Publisher's requirements will be billed at Publisher's cost.

Advertisements not received by our advertising production department by closing date are not entitled to the privilege of review or revision by the advertiser or its agency.

All advertisements are accepted and published entirely on the representation that the agency and/or advertiser are properly authorized to publish the entire contents and subject matter thereof. It is understood that, in consideration of the publication of advertisements, the advertiser and/or agency will indemnify and hold the Publisher harmless from and against any claims or suits for libel, violation of rights of privacy, plagiarism, trademark and copyright infringement, and other claims based on the contents or subject matter of such publication.

The Publisher reserves the right to reject any and all advertising which the Publisher feels is not in keeping with the publication's standards, policies and principles.

The Publisher reserves the right to add the word "Advertisement" at the top and/or bottom of, or anywhere within the page, that in the Publisher's sole judgment too closely resembles editorial pages of the publication.

The Publisher shall not be subject to any liability whatsoever for any failure to publish or circulate all or any part of any issue due to strikes, work stoppages, accidents, fires, acts of God or any circumstance not within the control of the Publisher.

The Publisher's liability for any error will not exceed the charge for the advertisement in question. The Publisher assumes no liability for errors in key numbers, the Reader Service section, advertisers' index, or any type set by the Publisher. The Publisher is not responsible for the accuracy of any corrections or changes made to any advertiser's materials.

As used in this section, the term "Publisher" shall refer to Hanley Wood, LLC.

Frequency Discounts
Space billed at quoted rate will earn maximum frequency discount on all display units. Number of display units, as well as frequency of insertion, determine rates. (For example, a spread counts as two units and six half-page units in one issue earn 6x rate, etc.)

Regional advertising counts toward national frequency; national ads for all Hanley Wood, LLC, publications count toward regional frequency.

Cancellations
Any contract or insertion order (except for covers, preferred and special positions) may be suspended or canceled on 30 days prior written notice by agency or advertiser. Rate adjustments, if any, will be made upon confirmations or the change in frequency. No cancellations of written or verbal contracts are possible after the published closing date in this rate card. In the event a cancellation is received after the published closing dates, and no materials have been submitted, a net cancellation fee of $2,000 will be due and payable.