TERMS AND CONDITIONS
1	All advertising copy is subject to the publisher's approval before publication.  The publisher reserves
	the right to insert the word "Advertisement"
2	All NOW advertisers must pay in advance for each advertisement on their contract by 5:00 p.m.
	on the Friday before publication.
3	Advertising requesting credit must complete a NOW creeit application.  A minimum of four (4)
	insertions must be prepaid before credit is assessed.  If credit is approved, payment must be
	received within fifteen (15) days of publication.  Accounts which remain unpaid after fifteen (15)
	days will be subject to a 2.0% service charge per month/annual interest rate of 24% per annum.
	Terms may be extended by NOW accounting.
4	Advertisers  who terminate a contract before completion will be subject to a retroactive billing at the
	insertion rate corresponding to the actual numbers of ads run.
5	NOW Communications Inc. shall be entitled to payment as herein provided upon having completed
	the printing of the advertising and having taken reasonable steps to see that the publication is
	distributed.  Should any error or omission be made by NOW Communications Inc. which
	substantially subtracts from the value of an advertisment, an adjustment will be made.  Make-goods
	are equal in size and position of the affected portion of the original ad.  NOW shall not be liable
	for any claims arising in consequence of the error or omission.  Errors must be reported 10 days
	in written form to qualify for make-goods.
6	All space reservations must be received by 5 p.m. on the Friday preceding publication.  Deadline
	for special supplements are earlier.  Advertising requiring proofs must submit artwork by Friday
	at 3 p.m.  The following cancellation fees apply:
	After 5 p.m. Friday		25%
	Aftern noon Monday		50%
	After 5 p.m. Monday		100%
	Guaranteed placement cancelled with less than 7 days notice will be liable for the placement fee.
7	All contracted rates are subject to change upon thirty (30) days' notice.  Yearly rate adjustments
	normally take place each fall.
8	Advertisers and/or advertising agencies assume liabilities for all content (including text,
	representation, and illustrations of published advertisement and shall indemnify NOW Communications
	Inc. for any claims arising from the advertisement, including but not limited to any claims for defamation.
9	Advertisers and advertising agencies agree that NOW Communications Inc.  Shall be under no
	liability of its failure for any cause to publish an advertisement.
10	Agency commission 15% of gross national billing allowed on space, colour, position to recognized
	agencies only.
11	NOW Communications Inc. will not be responsible for return of advertising material.
12	One (1) copy of the ad tearsheets will be included with the invoice.
13	Production and design charges will be charged according to the current NOW rate card.  Insertion dates
	and sizes subject to change at advertisers request within the contracted period.