Herein, Landmark Communications, Inc., d/b/a "The Virginian-Pilot" is defined as the "Publisher." The Retail Advertising Rates set forth herein do not apply to national advertisers, but rather to local advertisers located within The Virginian-Pilot circulation area. See below under "Retail Rate Policy" paragraph b for definition of "local" and "national" Advertisers.

a. A courtesy discount of 15% may be offered to advertising agencies placing advertising at the open retail rate. No such discount will be offered when advertising is placed on the basis of a retail contract rate or when using group, municipal, state or other non-profit organization discounts. On pre-prints and custom cards, advertising agencies may receive a courtesy discount provided that the applicable rates are grossed up 17.65%. Neither agencies nor advertisers may combine accounts or contracts to arrive at a higher contract level. Before any courtesy discount will be extended, however, an advertising agency must accept joint and several responsibilities with advertiser for payment of all advertising placed. Agencies acting only as placement agents will, with no acceptance of payment responsibility, not be eligible for any discount. Publisher reserves the right at any time to require agencies to provide evidence of authority to act on advertiser's behalf and/or require acknowledgement and/or acceptance by advertiser of any advertising placed for publication or any contract. Agencies must provide camera-ready material for publication. Ad layouts that require the assistance of the Publisher to build will not be eligible for any agency discount. Extensions of courtesy discounts to an Agency are discretionary and reserved solely unto the Publisher. Prevailing rate card takes precedent over agency insertion orders that have incorrect rates.

b. Notwithstanding anything contained herein, Publisher may, at any time, including with regard to advertising placed by contract, condition the placement of advertising on Publisher's collection of a cash-in-advance payment for the full amount of such advertising prior to scheduling any advertisement(s) for publication. Any advertiser or agency submitting advertising for placement on open account credit, which shall include advertising placed subject to a contract not payable in full, in advance, must be accompanied by a completed Virginian-Pilot credit application. Any credit request must be approved by the Publisher before any advertisement will be scheduled for publication. If credit is extended by Publisher, the subsequent placement of advertising by advertiser and/or an agency constitutes such advertiser and/or agency's agreement to Publisher's credit terms and conditions, which shall include, but not be limited to, the following: unless otherwise specified by Publisher, bills are generated on the first of each month for the previous month's charges and payment shall be due on or before the 15th day of the month referred to as "Billing Date" on the statement for such charges. Should Publisher determine to involve an attorney for issues related to the advertising or to collect any past-due balance, the advertiser and/or agency shall pay attorney's fees equal to thirty-three and one-third percent (33 1/3%) of the past-due balance, or actual attorney's fees as incurred by Publisher, whichever is greater, together with all costs of collection, including charges assessed to Publisher by any collection agency. Interest shall accrue on any past-due balance at the rate of eighteen percent (18%) per annum, until paid. Publisher may request additional credit information from or require a new credit application for agency or advertiser at any time. Through its submission of any credit documents, insertion orders or contracts to Publisher and continuing thereafter, advertiser represents and warrants that all information contained in any such credit documents, insertion orders and/or contracts is and remains true and correct and may be relied upon for any reason, by Publisher or any of Publisher's divisions and subsidiaries, unless and until advertiser gives notice to Publisher, in writing, that any information currently or previously provided has changed.

c. There shall be added to any charges, amounts equal to any taxes, however designated, levied or based on such charges or on the publication of advertisements, including state and local privilege, or excise taxes based on gross revenue, and any taxes or amount in lieu thereof paid or payable by Publisher in respect of foregoing, exclusive however, of any taxes based on net income.

d. No insertion order or contract is considered accepted by the Publisher until approval is given for that insertion order or contract by the Publisher's credit office. No advertisement shall be considered accepted by Publisher until published. Any advertisement is subject upon submission to Publisher's applicable Contract & Copy Regulations, which may be changed at any time and from time-to-time in Publisher's sole discretion. Disclaimers on insertion orders and/or contracts submitted by advertiser or agency are ineffective and void unless expressly accepted by Publisher.

e. Publisher may provide notice of changes to the rates, discounts or production data or specifications set forth in the Retail Advertising Rate Card on Publishers' website. If prospective notice is given, any such change shall be deemed to have changed as of the date specified regardless of whether the website itself is so changed.

Rate Policy

a. "Local" advertisers are defined as a retail business, organization or association, or qualified retail division of another business or a bona fide voluntary chain. Local advertisers qualify for Retail advertising rates. Retail advertising rates also apply to advertising of public consumer services, charitable organizations, established community welfare services and civic programs. Advertising must be direct to consumer for one or more stores situated in The Virginian-Pilot circulation area, having the same name or identification, and offering similar service under a single ownership or control.

b. "National" advertisers are defined as firms advertising as wholesalers, distributors or manufacturers and/or advertising listing two or more non-associated dealers or outlets. National advertisers, including display copy for branded gasolines, mass transportation, public utilities and other classifications not clearly identified with regular retail channels, qualify only for national advertising rates.

c. Rates may vary due to rounding after application of discounts.

d. In the event the Advertiser fails to fulfill the terms of any contract, all advertising over the term of the contract will be short rated. For this period, the Advertiser will receive a single charge for the difference between the invoiced amount and the actual revenue investment level fulfilled.

e. Publisher, in its sole discretion, shall determine whether advertisers qualify as "local", "national" or other advertising classifications.

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