Recognized advertising agencies and associate members of the Tennessee Bankers Association receive a 15% discount on the basic space rate. The discount does not apply to color, special position, or tip-in charges. Bills are payable upon receipt.
Discount applies only if payment is received in the TBA office within 30 days of the invoice date. After 30 days, agencies and associate members forfeit the discount. First-time advertisers must pre-pay by materials deadline.

Contracts/insertion orders....................1st of preceding month
Materials..........................................10th of preceding month
A signed TBA contract must be on file before ad will run. Verbal instructions regarding advertising are treated as a tentative space reservation which will be cancelled if a written contract is not received by the 1st of the month preceding publication. If new copy is not received by the deadline, the publisher reserves the right to repeat the most recent insertion, and the advertiser agrees to pay for such insertions.

Advertising rates listed apply only to camera-ready advertising copy. Any changes or alterations required earn a minimum $50 composition charge.

Cancellation orders must be received in writing on or before the 10th of the month preceding publication, or advertising will run as scheduled. Advertiser agrees to pay the regular ad rate. In the event a multiple-insertion contract under protected rates is shortened or cancelled for any reason, the advertiser will be short-rated to the rate earned and agrees to pay the short rate.

Binding.............................saddle-stitch
Trim size....................8 1/2 x 11 inches
Bleed size.............8 5/8 x 11 1/4 inches

Materials: E-files for ads (CD-ROM, E-mail) are required.  PDF or EPS files (minimum 300 resolution and 150-line screen) preferred for all ads.  All 4-color  ads are to be supplied in CMYK format. Contact us for instructions & extra charges regarding film rather than E-files.  Files will be stored for 12 months following use.  Additional charges apply if TBA generates color proofs or makes alterations.

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A signed TBA contract must be on file before ad will run. Verbal instructions regarding advertising are treated as a tentative space reservation which will be cancelled if a written contract is not received by the 1st of the month preceding publication. If new copy is not received by the deadline, the publisher reserves the right to repeat the most recent insertion, and the advertiser agrees to pay for such insertions.