JANUARY 2020independentbanker.org

ICBA

Independent Banker ■ January 20

20 ■

Com

munity Bank C

EO O

utlook

Meet the new faces on the

DE NOVO scene

ICBA’s 2020 FINTECH

PREDICTIONS

From succession to technology, find out what your peers said in our 2020 Community Bank CEO Outlook survey

WHAT’S ON YOUR

MIND FOR 2020?

FEBRUARY 2019independentbanker.org

ICBA

Independent Banker ■ February 20

19 ■ C

onvention Preview Financing Music City

Nashville’s bustling

community banking scene

Why community banks are tackling

WORK-LIFE BALANCE

The tech that spots CARD FRAUD

before it happens

How the gig economy is CHANGING PAYMENTS

PLUS

JUNE 2019independentbanker.org

ICBA

Independent Banker ■ June 20

19 ■ 40

Under 40

: Emerging C

omm

unity Bank Leaders

SUCCESSION PLANNING

TIPS for your

board

The inside scoop on FINTECH TRENDS

From left: Pennsylvania community bankers Christopher Grace,

Alyssa Bodenschatz, Carrie Ehrgood

Emerging Community Bank Leaders

ICBA MISSION To create and promote an environment where community banks flourish

MEDIA KIT

MAY 2019independentbanker.org

ICBA

Independent Banker ■ M

ay 2019 ■

Top-Performing C

omm

unity Banks

Community bank CFOs SPEAK OUT

How to decide WHICH TECH

your bank should buy

OCTOBER 2019independentbanker.org

ICBA

Independent Banker ■ O

ctober 2019 ■

Advocacy Talking Points

THE KEYS TO ADVOCACY

SUCCESS

WEALTH MANAGEMENT for millennials

AGRICULTURALHEMP’S

place in the FARM BILL

You’ve got a meeting with your legislator. Now what? From BSA to credit unions, here are the talking points

you need to know

DECEMBER 2019independentbanker.org

ICBA

Independent Banker ■ D

ecember 20

19 ■ Best C

omm

unity Banks to Work For

Our survey of community bank employees

shines a light on the industry’s best employers,

at every asset size

WORKPLACE TRENDS from every industry

Your 2019 ADVOCACY

SUCCESSES

Best Community Banks to Work For

Sponsored by SHAZAM

YOUR GUIDE TO POWERFUL MARKETING

ICBA Independent Banker: 137

Federal Credit Union magazine (NAFCU): 76

ABA Banking Journal: 55

Bank News: 50

Bank Director: 47

American Banker: 33

Credit Union magazine (CUNA): 32

Tell Your Story in the #1 Banking Magazine

“ As the nation’s only publication for and about the community banking industry, ICBA’s flagship publication Independent Banker knows what community banks want—and need. From practical tips on maximizing profitability and new ideas in branch design to articles about cutting-edge banking technology, we bring readers the information, inspiration and stories they need to ensure their community bank stays ahead of the game.”

Molly Bennett, Executive Editor, Independent Banker

Banking Publication ComparisonAdvertising Booked in 2019 (total pages)

93% of readers are more

inclined to use a company they know is

committed to supporting community banking

85% of readers state

Independent Banker helps them make informed

decisions that improve their bank’s business

94% of readers have taken at

least one action as a result of reading the magazine

2/3 of bankers agree

that advertising in Independent Banker

helps them learn about products and services for community banks

ICBA Independent Banker® is the #1 Choice!

• Mailed directly to presidents, CEOs and C-level staff of ICBA member community banks who make the decisions to buy.

• Circulated nationally, averaging 11,000 printed copies per issue with an average monthly pass-along rate of three people per subscriber. Printed copies are seen by more than 33,000 community bank decision-makers monthly.

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Your advertising initiative + the power of Independent Banker

Targeted Audience — 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.

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Under 50 Million

500 Million-1 Billion

51-100 Million

101-200 Million

201-500 Million 1 Billion+

10%

7%

11%

19%

28%

25%

Asset Distribution

of ICBA MemberBanks

EVP, SVP,

VP

Other

CEO, President

CTO, COO, CIO

Director/Manager

62%

20%

8%

5%5%

Readership Breakout

by Title

Profile of the Typical ICBA Member Bank

Average Assets:

431 Million

Average Number of Employees:

86 People

Average Number of Branches:

5 Locations

Collectively, ICBA Member Banks have:

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• $1.2 trillion in deposits

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• 52,000 locations nationwide

Leverage your power in the content that community banks rely on.

85% of readers agree that Independent Banker helps them make informed decisions that improve their bank's business.

OCTOBER 2018independentbanker.org

ICBA

Independent Banker ■ O

ctober 2018 ■

The Com

munity Bank Legislative A

genda

Why it pays to EDUCATE

YOUR EMPLOYEES

How blockchain

could MAKE COMPLIANCE

EASIER

IN OUR SIGHTS

ICBA’s policy priorities post-S.2155—and how

you can help

2020 EDITORIAL

CALENDARJAN

COMMUNITY BANK CEO OUTLOOK 2020Regulatory Outlook; Lending Outlook; Payments Trends; De Novo BanksThought Leadership Opportunity: Industry Visionaries Advertorial

ICBA CONVENTION PREVIEW ISSUEConvention Agenda & Highlights; Fintech Strategy; Compliance Update; Digital Lending; Payment Strategies

THE CONVENTION ISSUEMeet ICBA’s New Chairman; Retail Banking Trends; Ag Lending Insights; Cybersecurity Update; Marketing Tips Bonus Readership: ICBA LIVE 2020

COMMUNITY BANKING MONTHICBA’s New Executive Committee; Lending Niches; Reg Tech; Customer Acquisition & Retention; CECL Bonus Readership: All non-member bank presidents/CEOs & ICBA Capital Summit event

BEST-PERFORMING BANKS Business Payments; SBA Lending; Compliance Guidance; Recruitment Strategies Thought Leadership Opportunity: Partnering for Success 40 UNDER 40: EMERGING COMMUNITY BANK LEADERS Operations; Housing Finance Policy/GSE Reform; Mortgage Lending; Fintech Trends; Fighting FraudThought Leadership Opportunity: Innovation Guide

THE LENDING ISSUE Top-Producing Lenders; Insurance Insights; Maintaining Bank Independence; Physical Security; Mobile Lending UX Thought Leadership Opportunity: Power Lending Partners

THE ICBA MEMBERSHIP ISSUE Member Milestones; ICBA Membership Perks; Regulatory Audit Update; Core Evaluation; Social Media & Marketing Thought Leadership Opportunity: PSP Showcase & Corporate Member Spotlight Bonus Readership: All non-member bank presidents/CEOs

THE BUDGET ISSUE National Community Bank Service Awards; CFO Outlook Survey; Profitability Tips; Payment Strategies; Compensation & Benefits Thought Leadership Opportunity: Ask the Experts Bonus Readership: ICBA LEAD FWD Summit

THE REGULATION & COMPLIANCE ISSUE Regulatory Compliance Tips; RegTech; Commercial Lending; Wealth Management; Digital Risk Management Thought Leadership Opportunity: Compliance Confidential Bonus Readership: Annual Bank Directors Conference, Commercial Lending Institute, IT Strategies Institute, Compliance Institute

THE DIGITAL EXPERIENCE ISSUE Succession Planning; Faster Payments; Fintech Partnerships; Artificial Intelligence (AI); Automated Lending Tools; Marketing Tool Kit Thought Leadership Opportunity: Innovation Insights Bonus Readership: All technology titles

BEST COMMUNITY BANKS TO WORK FOR2021 ICBA Events Guide; Retail Banking Issues; Vendor Management; Regulatory & Compliance Review Bonus Readership: All non-member bank presidents/CEOs

NOV

19DEC

4DEC

19JAN

6JAN

22FEB

4

FEB

20MAR

4MAR

19APR

1APR

21MAY

4MAY

20JUN

3JUN

23JUL

7

JUL

21AUG

3AUG

20SEP

2

SEP

22OCT

5OCT

20NOV

2

AD CLOSE

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FEB

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MAY

JUN

JUL

AUG

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OCT

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FEB & MAR Special Promotion: Convention exhibitors at who advertise in both issues are eligible for Mad Dash for Cash, a highly anticipated ICBA LIVE exhibit hall event!NOV & DEC Special Promotion: Advertise in both issues and receive a free listing in two exclusive vendor guides, Top Tech Tips (November) and Fintech Focus (December)

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EDITORIALCALENDAR

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ICBA Member Access® | Monthly eNewsletter

Member Access integrates valuable information on ICBA member benefits and highlights new products and services with content from ICBA corporate members. Distributed via email to 58,000 subscribers monthly, Member Access helps members take full advantage of ICBA member benefits and reminds bank leaders that ICBA corporate members have the resources and solutions they need to help their bank succeed.

ADVERTISING PLACEMENTS:Takeover Package Own the entire newsletter! Receive a sponsored call-out at the top of the eNewsletter, a rich media showcase (video, slideshow, etc.), 50 words of text within the body copy, a “More” button directing to the URL of your choosing and 3 banner ads

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ICBA NewsWatch Today® | Daily eNewsletter

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ADVERTISING PLACEMENTS:Sponsor PackageReceive a sponsored call-out at the top of the eNewsletter and a banner ad within the newsletter. Sponsors also receive one full page “Cover Zero” ad in the digital edition of Independent Banker, positioned next to the digital cover of the magazine

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Share your expertise in our targeted eBlasts, Community Banker Insider and Industry Insights. Both eBlasts provide our national audience of 24,000+ community bank leaders with updates on the products, services and solutions that can keep their bank competitive. Community Banker Insider emails contain advertiser-provided content while Industry Insights also includes content from the latest issue of Independent Banker magazine.

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Provide insight and commentary on your areas of expertise in our Experts Online Content Directory. Featuring a collection of articles, videos, whitepapers and case studies, this directory offers an ideal opportunity to highlight your company’s products and services with community bank leaders across the country.

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What Bank Leaders Want from TechnologyThe results show that resistance to technology in the board room can be overcome. Leaders are asking for a solution that’s easy to use — an intuitive board management experience from a vendor who has spent substantial time with real community bank directors. The data also shows that directors want proof, they either want to be able to use it before any contract is signed and they are looking for outside validation.

The results confirm what we’ve suspected. And it’s why Passageways’ OnBoard is ICBA’s preferred service provider for board meeting software. For over a decade, OnBoard has been on the phone, on the ground, and in boardrooms across communities talking to real directors. It’s the easiest to use solution that promises better and more reliable information. That promises to make your bank’s directors happy.

It’s also why OnBoard is the only leading board management software that offers a no strings attached free trial, so you know precisely what you’re getting before you fill out any paperwork.

24%The Easiest to Use Product

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Top 5 things that community bankers feel would improve the board meeting experience:

Improving the Experience

ICBA members

receive special pricingReach out to us for a free 30-Day trial.

www.passageways.com/board-portal/banks

Magazine Cover ExtensionsPlace your message on the most visible piece of real estate in the magazine through the following options:

• Dot Whack

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• Tip-in Insert

A full-page adver-tisement is required for all cover extras. Call for pricing and details.

852 Feehanville Drive Mt. Prospect, IL 60056800 786 5528cumminsallison.com © 2017-2020 Cummins-Allison Corp.

By bringing currency processing back in-house, FIs can avoid paying high transportation and processing fees and negate the need to issue cash orders to make up for cash being processed off-site. With processing done on-site, deposits can be quickly processed and paid out as change orders or used to replenish ATMs, avoiding the lag time associated with currency pickup, transport and processing and eliminating the need to borrow ad-ditional funds for other operations.

The initial technology investment of currency processing machines is recouped over the

course of months, not years, in the form of eliminated armored transport service costs and minimized processing time. An institution with five or six ATMs at a single branch location, for example, might typically rely on armored transport service for daily trips (or multiple trips per day). By switching to in-house processing, they can eliminate high transportation and processing fees, improve inventory management and get a return on investment in a short amount of time. In fact, an FI could reduce the number of cash orders by approximately 50-67%.

Getting the Right Equipment is Crucial

Once the decision to insource currency processing has been made, the next step is to determine the right technology. Advances in today’s currency processing equipment include multi-pocket currency scanners and sorters that are faster, easier to use and more customizable than ever before. Those that offer a future-ready design make it possible for FIs to scale up or down as their processing needs change.

Utilizing in-house currency processing equipment can dramatically decrease the time it takes for branch personnel to complete routine tasks, such as ATM processing. Today’s most advanced technology has been shown to reduce the processing time of each ATM from 45 to 5 minutes. Consider the substantial time and labor savings that could be achieved if this strategy were implemented across multiple ATMs and branches— including reallocating employees to higher-value, customer-focused tasks or eliminating the need for additional full-time employees across multiple branch locations.

Your Partner Matters

Key to achieving optimal ROI is a vendor partner to help tailor the equipment investment and configuration to best suit the needs of a given branch. A vendor with the proper expertise and the most advanced technology can work with branch personnel to determine the proper number, footprint and configuration of machines to ensure optimal efficiency. When fully and properly implemented, this insourced approach can have a measurable and positive impact on an institution’s day-to-day operations and be a boon to any branch’s bottom line.

In today’s age of branch transformation, identifying opportunities for cost savings and productivity gains is top-of-mind. Insourcing currency processing can open the door to keeping cash—and profits—inside your institution’s walls. With the right equipment, you can save on the costly transportation, processing and cash-order fees associated with cash-in-transit services, avoid borrowing additional funds, and reduce the time and costs necessary to complete routine currency processing tasks.

See how financial institutions can easily bring commercial and ATM deposit processing back into the branch easily and affordably. Visit cumminsallison.com/insourcing

In-house currency processing:

Avoid paying high transportation and processing fees

Eliminate cash-order fees and unnecessary borrowing of funds for other operations

Reduce the time and costs to complete routine currency processing tasks

Sources:1 Forbes, “The Fastest Way To Build Leadership In Your Company - Insource” http://www.forbes.com/sites/johnkotter/2014/06/26/

the-fastest-way-to-build-leadership-in-your-company-insource/#1a3d005715642 Accenture, “Shared Services in the Financial Services Industry: An Operating Model to Reach Strategic Goals” https://www.accen-

ture.com/t20160412T053747__w__/us-en/_acnmedia/Accenture/Conversion-Assets/DotCom/Documents/Global/PDF/Technol-ogy_7/Accenture-Shared-Services-Financial-Services-Industry.pdf#zoom=50

3 IBISWorld, “Armored Transport Services Procurement Category Market Research Report from IBISWorld Has Been Updated” http://www.prweb.com/releases/2015/04/prweb12650938.htm

4 MindTools.com, “The Outsourcing Decision Matrix” https://www.mindtools.com/pages/article/newSTR_45.htm

Generations of Vision and ExcellenceCummins Allison sets the standard for accuracy and dependability.

Cummins Allison is a global leader in develop-ing solutions that quickly and efficiently count, sort and authenticate currency, checks and coin. We also offer a complete line of full-function automated teller machines (ATMs). Our leader-ship in technology and product innovation spans more than 125 years. Cummins Allison serves the majority of financial institutions worldwide, as well as leading organizations in retail, gaming, law enforcement and government. Ninety-seven percent of our customers would recommend our products and services.

023-1971 Rev. A

The Big Idea The Big Idea feature is a unique opportunity to celebrate a new initiative, highlight a product launch, tell a story or share your best informa-tion with community bank leaders. Independent Banker will help you develop and produce a customized 4-page advertorial supple-ment to be inserted into the issue of your choice, including the digital edition.

Net Rate: $16,000

White Paper InsertInclude your company’s whitepaper in Independent Banker magazine and online at independentbanker.org. Whitepaper package includes:

• Print | One-page, two-sided insert on sturdy paper

• Insert included on digital edition of magazine

• Digital | Online post featuring your whitepaper will be hosted in our Experts Online Content Directory

Net Rate: $7,500

ICBA Survey & Special ReportCreate a custom survey powered by Independent Banker and an independent research agency. We’ll survey ICBA member banks regarding a topic of your choosing and publish the results in a proprietary special report published in Independent Banker magazine. Fully customizable. Call for pricing and details.

Making the Case for Insourcing in Financial ServicesBy Tim Grabacki, Cummins Allison

Many industries, most notably IT and manufacturing, have begun

re-examining the need for outsourcing and are shifting to an insourced

approach.1 The benefits of insourcing include improved customer

service, greater control over business processes and actual

reductions in operating costs. As part of their branch transformation

strategy to reduce costs and increase productivity, many financial

institutions (FIs) are following suit and examining current outsourcing

strategies. One such area that is ripe for insourcing is the processing

of commercial and ATM deposits.

The Downside of Outsourcing

In the late 1990s and early 2000s, financial services was one of many industries to adopt outsourcing as a way of standardizing business processes, leveraging outside expertise and achieving cost savings of as much as 40 percent.2 Processing deposits from ATMs and commercial accounts was one of the core functions outsourced by the financial services industry over the past two decades. To ease real estate and employee costs, companies began to rely on armored carriers to pick up and take money away to process it off-site.

Unfortunately, the expected cost reductions often didn’t materialize due to some or all of the following factors:

1 With the armored transport market dominated by a few key companies and demand increasing, prices are projected to increase even more over the next several years.3

2 Sending cash off-site to be processed also creates an inventory need at the branch and makes it necessary to order more cash to utilize in ATMs and for transactions. In addition, when funds are tied up in cash in transport, they’re unavailable, so financial institutions need to borrow money from other banks to continue with other operations, including loans.

3 With interest rates on the rise and high cash-order and transportation fees imposed, the substantial cost of this service has led some banks and credit unions to begin exploring more cost-effective and efficient options.

Keeping Your Money In-house

When making the decision to insource, FIs must consider if the task is strategically important and/or has a significant impact on operational performance.4 Processing ATMs and commercial deposits is a critical task that contributes to the overall performance of the branch. It is also one that, with the right equipment in place, can be retained in-house simply and affordably.

Benefits of insourcing

Improved customer service

Greater control over business processes

Reductions in operating costs

JULY 2018independentbanker.org

CREAMof the CROP

ICBA

Independent Banker ■ July 20

18 ■ Top Lenders

ICBA’s annual list of the nation’s top community bank loan producers is here. Who

made the cut?

Your Message Here

Above & Beyond Opportunities

MAY 2018independentbanker.org

ICBA

Independent Banker ■ M

ay 2018 ■

Rebeca Romero Rainey + Top-Perform

ing Banks

Best of the Best The community

banks to beat this year

What’s on the FINTECH HORIZON

for community banks?

10 proven ways to BOOST CROSS-SELLING

GET READY FOR CECL Useful tips and tools

Why Rebeca Romero Rainey went

to Washington to help community banks

flourish

This has become an incredible calling for me”Your Message Here

JUNE 2018independentbanker.org

ICBA

Independent Banker ■ June 20

18 ■ M

&A

Considerations

How to avoid a culture clash after a

merger or acquisition

WHEN

COLLIDEWORLDS

IT’S MERGER MANIABut is bigger always better?

THE FUTURE IS NOWWhat AI can do for your

community bank

Your Message

Here

Board Meetings or Bored Meetings?

An Independent Banker and Passageways Special Industry Report

In a recent survey with Passageways, an ICBA Preferred Service Provider for Board Management Software, we asked Board Directors, Executives, and Administrators to assess the board meeting lifecycle. We wanted to know how technology was influencing their Board Governance, how they use board software, and where they see technology shaping the future of their work.

The results showed board members who feel they are under heightened scrutiny. What’s more, information accuracy was the most common challenge the group said they faced, with information reliability coming in second. What wasn’t atop their list is equally striking: information overload ranked dead last in the survey of concern. The picture is clear; directors want more accurate and reliable information of all kinds.

A Growing Information ChallengeDo you agree that boards today face more scrutiny than boards of 5–10 years ago?

Optimism About Technology in the BoardroomThe results illustrated increased excitement about technologies place in the boardroom. Nearly 8 in 10 said incorporating technology into the boardroom was important, and half said their board was excited about board management technology. Underscoring that result was a near-unanimous declaration that board technology would be important in the future.

78% of community bankers agree that incorporating

technology into the boardroom is important to them.

78%

Even more bankers (88%) agree that technology’s role

in the boardroom will be important going forward.

88%

95% – Yes

Looking forward, I think that board meeting technology wil become

88% More Important

Rate the following issues your board has faced in the past 12 months from most challenging to least challenging.

leas

tm

ost 1 Accuracy of information

2 Reliability of information

3 Communication outside the boardroom

4 Board Engagement

5 Timely Information

6 Information Overload

Looking to connect with our national audience of community bank leaders but not exactly sure what to say or how to share your message?

Let us do the heavy lifting with our award-winning custom content creation

services. We can heighten your company’s visibility, strengthen brand

awareness, generate leads, tell a story, highlight new initiatives and help you

influence our subscriber base as a thought leader. We’ll work with you to

strategically develop signature marketing enhancements at any level, from

simple inserts to turnkey campaigns.

OUR CUSTOM CONTENT SERVICES INCLUDE:

• Display ads (digital or print)

• White Papers & Articles

• Case Studies

• Email Content & Template Creation

• Social Media Campaigns

• Infographics

• Landing Pages

• Video Creation

• Webinars—Content

Creation, Distribution

• Sales Presentation Decks

• Podcasts

• And more…

CREATIONBringing your brand’s story to

life through content packaging.

STRATEGY AND PLANNINGA strategic framework and plan

drives the expected results.

DISTRIBUTIONAll content is optimized for broad reach

and frequency to generate action.

RESEARCH Digital assessments identify opportunities for audience

engagement.

MEASUREMENTContent performance is measured against established benchmarks.

Studio | Custom Content Creation

© 2017 Provista

provistaco.comFrom Planning to PatientsPlanning a construction project or buying healthcare capital equipment?

Breaking Ground• Prenegotiate labor rates for

visibility into costing. • Start the construction process. • Use sourcing experts to achieve

the best pricing on materials.

Building• Manage the project to drive

optimum value. • Streamline communications via

a single contact.• Keep the project on task, on

schedule and on budget.• Update forecasts to provide

insights into real-time spend.

Moving In• Deliver and install medical capital

equipment.• Move in furniture and remaining

capital equipment.• Review invoices and payments.

Planning• Leverage consulting to assess needs

and develop a budget.• Create a 1-, 3- and 5-year roadmap.• Determine capital equipment needs.• Negotiate contracts, terms and

conditions.

Seeing Patients• Activate warranties. • Manage lifecycle of medical

equipment.• Ensure the customer has

everything needed to serve patients.

Capital and Construction Advisory Services ensures customers stay on schedule and budget.

Mechanical Specifications• All materials must be submitted in a digital format.• Printing: Heat-set, web offset• Binding: Perfect bound• Trim Size: 8.25” x 10.875”• Bleed: 0.125”• Safety from Trim: 0.375”

Preferred File Formats

• A high-resolution (300 dpi) Adobe PDF or PDF/X-1a with embedded fonts.• CMYK colors, and flattened transparency.

Acceptable Native-File Formats

• Adobe InDesign, Adobe Illustrator, Adobe PhotoShop.• All images/elements must be 300 dpi at size,• A TIFF or an EPS is preferred to a JPEG format.

Fonts

• PostScript fonts are preferred. TrueType fonts can be problematic. We are not responsible for errors caused by TrueType fonts.

Color

• Everything must be in CMYK format and color-corrected.• All other color formats (RGB, Pantone/PMS, etc.) will be converted to CMYK.

We are not responsible for colors which must be converted to CMYK. Overall printing maximum density of all colors cannot exceed 280%.

Submitting Files

• Email Submittal: Preferred• Files 25MB or smaller may be sent to: annie@ICBAbanks.org

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.

FOR PRINT RATES CONTACT:

Matt Kusilek, Publisher612-336-9284 • matt@icbabanks.org

FULL PAGEBleed: 8.5” x 11.125” Trim: 8.25” x 10.875”

Live Area: 5/16” from trim

FULL PAGE NON-BLEED

7.375” x 10”

1/6 VERTICAL2.375” x 4.875”

1/6 HORIZONTAL 4.625” x 2.3125”

1/2 ISLAND4.625” x 7.25”

1/3 VERTICAL2.375” x 10” 2/3 VERTICAL

4.625” x 10”

1/3 SQUARE4.625”

x 4.875”

1/2 HORIZONTAL

7.375” x 4.875”

2020 Print Ad Specifications

e-Newsletters: ICBA NewsWatch Today, ICBA Member Access, Independent Banker eNews & Dedicated eBlasts

All dimensions are width by height. GIF or JPEG files only. One-pixel border required. 100 KB file size max.

Banner Ads - Due one week prior to run date (on Monday)• 600 X 100-pixel banner ad (width by height) • Provide click URL

Sponsored/Premium Text Placement Due one week prior to run date (on Monday)• Up to 50 words total • Headline: 10 words max • Provide click URL (no hyperlinks)

Dedicated eBlasts: Banker Insider & Industry Insights Materials due two weeks prior to run date • Subject line(s): 50 characters max• Text: • Headline: 75 characters max • Body Copy: 200 characters max • CTA: 25 characters • Provide click URL

Websites: independentbanker.org and IBCA.org

All dimensions are width by height. GIF or JPEG files only. One-pixel border required. 100 KB file size max.

ROS Display Ad Package Materials due one week prior to run date (on Monday).• Leaderboard: 728 x 90 pixels• Rectangle: 300 x 250 pixels• Mobile: 300 x 50 pixels• Provide click URL(s)

Sponsored Content Package/ Experts Online Content Directory (Article or Video) - Materials due two weeks prior to run date (on Monday).• Article Content • Headline: 10-word max • Body Copy: 500-word max • Article Excerpt/Teaser: 40-word max • CTA URL• Images for Article (3 sizes) • 770 x 440 pixel (feature image) • 520 x 306 (thumbnail image) • 1200 x 628 (LinkedIn)• Display Ad Sizes (3)

*Sponsored Content Packages Only. • Leaderboard: 728 x 90 pixels • Rectangle: 300 x 250 pixels • Mobile: 300 x 50 pixels • Click URL(s)

Dedicated eBlast Image for Community Banker Insider and Industry Insights

600 x 338 pixels

independentbanker.org & ICBA.org Leaderboard

728 x 90 pixels

independentbanker.org & ICBA.orgRectangle

300 x 250 pixels

independentbanker.org & ICBA.org

Mobile: 300 x 50 pixels

2020 Digital Sizes & Specifications

ROS Display Ad Sizes

Banner Ad for ICBA NewsWatch Today, Independent Banker eNews and ICBA Member Access

600 x 100 pixels

• Image: • 600 x 338 pixels (width by height) • Image must be GIF, JPG or PNG

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

In view of the fact that many advertising agencies’ contracts and orders specify conditions that are not in accordance with the regular rates and terms upon which ICBA does business, we do not execute duplicates 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 advertis-er’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 oldest 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 advertiser is at all times liable for payment of all account balances due and all other liabilities, and deemed to receive refund pay-ments, adjustments, notices and all other documents when the same are delivered to their advertising agency. Payments by the advertiser to the advertising agency for services do not constitute payment to ICBA. Any language to the contrary in any advertising agency’s insertion orders or other documents is void and without effect.

Contract Regulations

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

Cancellations: Print cancellations are not accepted after space closing date. Advertising must be inserted within one publication year of first insertion to earn frequency rates. Loss of credit due to account delinquency may affect frequen-cy rates. An advertiser who does not complete a committed schedule will be subject to a shortrate. ICBA is not responsible for interruption or termination of existing contracts or failure to print advertising (see contract form).

All digital placements scheduled and contracted are subject to full payment unless canceled at least 8 weeks prior to the run date. For webinar placements, 60% is due upon execution of contract; the remaining 40% is due one week prior to the live event.

Digital ad materials are due two weeks prior to run date. Late materials may not be accepted or may be subject to a $50 late fee.

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 “advertisement” with copy which, in ICBA’s opinion, re-sembles editorial matter.