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A web or graphic designer retainer agreement is a contract that outlines the terms of services and upfront payment between the specialist and their client. It ensures the provider's availability and helps with upfront costs. The retainer can cover part or all of the estimated service charge, with additional costs billed if more time is needed. Unused funds should be returned to the client if the work is completed early unless stated otherwise. Key elements to include in the agreement are names, services, payment terms, and agreement duration.