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<channel>
 <title>Consumer Tips Archives</title>
 <link>http://www.ibat.org/consumer-tips-archives</link>
 <description>An archive of Consumer Tips</description>
 <language>en</language>
<item>
 <title>Consumer Tips February 2012</title>
 <link>http://www.ibat.org/pdfs/2012/02/03/consumer-tips-february-2012</link>
 <description>&lt;br /&gt;&lt;h2&gt;You must be a Member to view this content.&lt;/h2&gt;
&lt;p&gt;Please &lt;a href=&quot;http://my.ibat.org/login?redirect=http%3A%2F%2Fwww.ibat.org%2Fconsumer-tips-archives%2Ffeed&quot;&gt;click here&lt;/a&gt; to log in.&lt;/p&gt;</description>
 <category domain="http://www.ibat.org/category/categories/consumer-tips">Consumer Tips</category>
 <category domain="http://www.ibat.org/category/categories/wealth-management">Wealth Management</category>
 <enclosure url="http://www.ibat.org/files/PDFs/February_Tips_2012.pdf" length="176689" type="application/pdf" />
 <pubDate>Fri, 03 Feb 2012 12:45:16 -0500</pubDate>
 <dc:creator>jkinzler@ibat.org</dc:creator>
 <guid isPermaLink="false">6279 at http://www.ibat.org</guid>
</item>
<item>
 <title>Consumer Tips November 2011</title>
 <link>http://www.ibat.org/pdfs/2011/11/03/consumer-tips-november-2011</link>
 <description>&lt;br /&gt;&lt;h2&gt;You must be a Member to view this content.&lt;/h2&gt;
&lt;p&gt;Please &lt;a href=&quot;http://my.ibat.org/login?redirect=http%3A%2F%2Fwww.ibat.org%2Fconsumer-tips-archives%2Ffeed&quot;&gt;click here&lt;/a&gt; to log in.&lt;/p&gt;</description>
 <category domain="http://www.ibat.org/category/categories/consumer-tips">Consumer Tips</category>
 <category domain="http://www.ibat.org/category/categories/wealth-management">Wealth Management</category>
 <enclosure url="http://www.ibat.org/files/PDFs/November_Tips_2011.pdf" length="160037" type="application/pdf" />
 <pubDate>Thu, 03 Nov 2011 13:40:04 -0400</pubDate>
 <dc:creator>jkinzler@ibat.org</dc:creator>
 <guid isPermaLink="false">5985 at http://www.ibat.org</guid>
</item>
<item>
 <title>Consumer Tips October 2011</title>
 <link>http://www.ibat.org/pdfs/2011/10/05/consumer-tips-october-2011</link>
 <description>&lt;br /&gt;&lt;h2&gt;You must be a Member to view this content.&lt;/h2&gt;
&lt;p&gt;Please &lt;a href=&quot;http://my.ibat.org/login?redirect=http%3A%2F%2Fwww.ibat.org%2Fconsumer-tips-archives%2Ffeed&quot;&gt;click here&lt;/a&gt; to log in.&lt;/p&gt;</description>
 <category domain="http://www.ibat.org/category/categories/consumer-tips">Consumer Tips</category>
 <category domain="http://www.ibat.org/category/categories/fraud">Fraud</category>
 <category domain="http://www.ibat.org/category/categories/security">Security</category>
 <category domain="http://www.ibat.org/category/categories/wealth-management">Wealth Management</category>
 <enclosure url="http://www.ibat.org/files/PDFs/October_Tips_2011.pdf" length="159790" type="application/pdf" />
 <pubDate>Wed, 05 Oct 2011 10:28:11 -0400</pubDate>
 <dc:creator>jkinzler@ibat.org</dc:creator>
 <guid isPermaLink="false">5907 at http://www.ibat.org</guid>
</item>
<item>
 <title>Consumer Tips September 2011</title>
 <link>http://www.ibat.org/pdfs/2011/09/01/consumer-tips-september-2011</link>
 <description>&lt;br /&gt;&lt;h2&gt;You must be a Member to view this content.&lt;/h2&gt;
&lt;p&gt;Please &lt;a href=&quot;http://my.ibat.org/login?redirect=http%3A%2F%2Fwww.ibat.org%2Fconsumer-tips-archives%2Ffeed&quot;&gt;click here&lt;/a&gt; to log in.&lt;/p&gt;</description>
 <category domain="http://www.ibat.org/category/categories/consumer-lending">Consumer Lending</category>
 <category domain="http://www.ibat.org/category/categories/consumer-tips">Consumer Tips</category>
 <category domain="http://www.ibat.org/category/categories/wealth-management">Wealth Management</category>
 <enclosure url="http://www.ibat.org/files/PDFs/September_Tips_2011.pdf" length="183568" type="application/pdf" />
 <pubDate>Thu, 01 Sep 2011 14:46:00 -0400</pubDate>
 <dc:creator>jkinzler@ibat.org</dc:creator>
 <guid isPermaLink="false">5829 at http://www.ibat.org</guid>
</item>
<item>
 <title>Consumer Tips August 2011</title>
 <link>http://www.ibat.org/pdfs/2011/08/01/consumer-tips-august-2011</link>
 <description>&lt;br /&gt;&lt;h2&gt;You must be a Member to view this content.&lt;/h2&gt;
&lt;p&gt;Please &lt;a href=&quot;http://my.ibat.org/login?redirect=http%3A%2F%2Fwww.ibat.org%2Fconsumer-tips-archives%2Ffeed&quot;&gt;click here&lt;/a&gt; to log in.&lt;/p&gt;</description>
 <category domain="http://www.ibat.org/category/categories/consumer-lending">Consumer Lending</category>
 <category domain="http://www.ibat.org/category/categories/consumer-tips">Consumer Tips</category>
 <category domain="http://www.ibat.org/category/categories/wealth-management">Wealth Management</category>
 <enclosure url="http://www.ibat.org/files/PDFs/August_Tips_2011.pdf" length="258424" type="application/pdf" />
 <pubDate>Mon, 01 Aug 2011 16:30:11 -0400</pubDate>
 <dc:creator>jkinzler@ibat.org</dc:creator>
 <guid isPermaLink="false">5702 at http://www.ibat.org</guid>
</item>
<item>
 <title>Consumer Tips July 2011</title>
 <link>http://www.ibat.org/pdfs/2011/07/07/consumer-tips-july-2011</link>
 <description>&lt;br /&gt;&lt;h2&gt;You must be a Member to view this content.&lt;/h2&gt;
&lt;p&gt;Please &lt;a href=&quot;http://my.ibat.org/login?redirect=http%3A%2F%2Fwww.ibat.org%2Fconsumer-tips-archives%2Ffeed&quot;&gt;click here&lt;/a&gt; to log in.&lt;/p&gt;</description>
 <category domain="http://www.ibat.org/category/categories/consumer-tips">Consumer Tips</category>
 <category domain="http://www.ibat.org/category/categories/wealth-management">Wealth Management</category>
 <enclosure url="http://www.ibat.org/files/PDFs/July_Tips_2011.pdf" length="202579" type="application/pdf" />
 <pubDate>Thu, 07 Jul 2011 17:19:39 -0400</pubDate>
 <dc:creator>jkinzler@ibat.org</dc:creator>
 <guid isPermaLink="false">5558 at http://www.ibat.org</guid>
</item>
<item>
 <title>Consumer Tips June 2011</title>
 <link>http://www.ibat.org/pdfs/2011/06/02/consumer-tips-june-2011</link>
 <description>&lt;br /&gt;&lt;h2&gt;You must be a Member to view this content.&lt;/h2&gt;
&lt;p&gt;Please &lt;a href=&quot;http://my.ibat.org/login?redirect=http%3A%2F%2Fwww.ibat.org%2Fconsumer-tips-archives%2Ffeed&quot;&gt;click here&lt;/a&gt; to log in.&lt;/p&gt;</description>
 <category domain="http://www.ibat.org/category/categories/consumer-tips">Consumer Tips</category>
 <category domain="http://www.ibat.org/category/categories/wealth-management">Wealth Management</category>
 <enclosure url="http://www.ibat.org/files/PDFs/June_Tips_2011.pdf" length="168815" type="application/pdf" />
 <pubDate>Thu, 02 Jun 2011 15:53:14 -0400</pubDate>
 <dc:creator>jkinzler@ibat.org</dc:creator>
 <guid isPermaLink="false">5445 at http://www.ibat.org</guid>
</item>
<item>
 <title>Consumer Tips April 2011</title>
 <link>http://www.ibat.org/pdfs/2011/04/01/consumer-tips-april-2011</link>
 <description>&lt;br /&gt;&lt;h2&gt;You must be a Member to view this content.&lt;/h2&gt;
&lt;p&gt;Please &lt;a href=&quot;http://my.ibat.org/login?redirect=http%3A%2F%2Fwww.ibat.org%2Fconsumer-tips-archives%2Ffeed&quot;&gt;click here&lt;/a&gt; to log in.&lt;/p&gt;</description>
 <category domain="http://www.ibat.org/category/categories/consumer-tips">Consumer Tips</category>
 <category domain="http://www.ibat.org/category/categories/education">Education</category>
 <category domain="http://www.ibat.org/category/categories/foundation">Foundation</category>
 <category domain="http://www.ibat.org/category/categories/wealth-management">Wealth Management</category>
 <enclosure url="http://www.ibat.org/files/PDFs/April_Tips_2011.pdf" length="239508" type="application/pdf" />
 <pubDate>Fri, 01 Apr 2011 09:32:44 -0400</pubDate>
 <dc:creator>jkinzler@ibat.org</dc:creator>
 <guid isPermaLink="false">5186 at http://www.ibat.org</guid>
</item>
<item>
 <title>Consumer Tips February 2011</title>
 <link>http://www.ibat.org/pdfs/2011/02/02/consumer-tips-february-2011</link>
 <description>&lt;br /&gt;&lt;h2&gt;You must be a Member to view this content.&lt;/h2&gt;
&lt;p&gt;Please &lt;a href=&quot;http://my.ibat.org/login?redirect=http%3A%2F%2Fwww.ibat.org%2Fconsumer-tips-archives%2Ffeed&quot;&gt;click here&lt;/a&gt; to log in.&lt;/p&gt;</description>
 <category domain="http://www.ibat.org/category/categories/consumer-lending">Consumer Lending</category>
 <category domain="http://www.ibat.org/category/categories/consumer-tips">Consumer Tips</category>
 <category domain="http://www.ibat.org/category/categories/wealth-management">Wealth Management</category>
 <enclosure url="http://www.ibat.org/files/PDFs/February_Tips_2011.pdf" length="172850" type="application/pdf" />
 <pubDate>Wed, 02 Feb 2011 14:26:41 -0500</pubDate>
 <dc:creator>jkinzler@ibat.org</dc:creator>
 <guid isPermaLink="false">4931 at http://www.ibat.org</guid>
</item>
<item>
 <title>Consumer Tips November 2010</title>
 <link>http://www.ibat.org/pdfs/2010/11/02/consumer-tips-november-2010</link>
 <description>&lt;br /&gt;&lt;h2&gt;You must be a Member to view this content.&lt;/h2&gt;
&lt;p&gt;Please &lt;a href=&quot;http://my.ibat.org/login?redirect=http%3A%2F%2Fwww.ibat.org%2Fconsumer-tips-archives%2Ffeed&quot;&gt;click here&lt;/a&gt; to log in.&lt;/p&gt;</description>
 <category domain="http://www.ibat.org/category/categories/consumer-tips">Consumer Tips</category>
 <category domain="http://www.ibat.org/category/categories/wealth-management">Wealth Management</category>
 <enclosure url="http://www.ibat.org/files/PDFs/November_Tips_2010.pdf" length="184148" type="application/pdf" />
 <pubDate>Tue, 02 Nov 2010 09:43:55 -0400</pubDate>
 <dc:creator>jkinzler@ibat.org</dc:creator>
 <guid isPermaLink="false">4639 at http://www.ibat.org</guid>
</item>
<item>
 <title>Consumer Tips October 2010</title>
 <link>http://www.ibat.org/pdfs/2010/10/04/consumer-tips-october-2010</link>
 <description></description>
 <category domain="http://www.ibat.org/category/categories/consumer-tips">Consumer Tips</category>
 <category domain="http://www.ibat.org/category/categories/trust">Trust</category>
 <category domain="http://www.ibat.org/category/categories/wealth-management">Wealth Management</category>
 <enclosure url="http://www.ibat.org/files/PDFs/October_Tips_2010.pdf" length="221788" type="application/pdf" />
 <pubDate>Mon, 04 Oct 2010 11:06:10 -0400</pubDate>
 <dc:creator>jkinzler@ibat.org</dc:creator>
 <guid isPermaLink="false">4532 at http://www.ibat.org</guid>
</item>
<item>
 <title>Consumer Tips September 2010</title>
 <link>http://www.ibat.org/pdfs/2010/09/01/consumer-tips-september-2010</link>
 <description>&lt;br /&gt;&lt;h2&gt;You must be a Member to view this content.&lt;/h2&gt;
&lt;p&gt;Please &lt;a href=&quot;http://my.ibat.org/login?redirect=http%3A%2F%2Fwww.ibat.org%2Fconsumer-tips-archives%2Ffeed&quot;&gt;click here&lt;/a&gt; to log in.&lt;/p&gt;</description>
 <category domain="http://www.ibat.org/category/categories/bank-operations">Bank Operations</category>
 <category domain="http://www.ibat.org/category/categories/consumer-tips">Consumer Tips</category>
 <category domain="http://www.ibat.org/category/categories/human-resources">Human Resources</category>
 <category domain="http://www.ibat.org/category/categories/marketing">Marketing</category>
 <category domain="http://www.ibat.org/category/categories/senior-management">Senior Management</category>
 <enclosure url="http://www.ibat.org/files/PDFs/September_Tips_2010.pdf" length="225122" type="application/pdf" />
 <pubDate>Wed, 01 Sep 2010 15:46:54 -0400</pubDate>
 <dc:creator>jkinzler@ibat.org</dc:creator>
 <guid isPermaLink="false">4412 at http://www.ibat.org</guid>
</item>
<item>
 <title>Consumer Tips August 2010</title>
 <link>http://www.ibat.org/pdfs/2010/07/30/consumer-tips-august-2010</link>
 <description>&lt;br /&gt;&lt;h2&gt;You must be a Member to view this content.&lt;/h2&gt;
&lt;p&gt;Please &lt;a href=&quot;http://my.ibat.org/login?redirect=http%3A%2F%2Fwww.ibat.org%2Fconsumer-tips-archives%2Ffeed&quot;&gt;click here&lt;/a&gt; to log in.&lt;/p&gt;</description>
 <category domain="http://www.ibat.org/category/categories/consumer-tips">Consumer Tips</category>
 <category domain="http://www.ibat.org/category/categories/wealth-management">Wealth Management</category>
 <enclosure url="http://www.ibat.org/files/PDFs/August_Tips_2010.pdf" length="240320" type="application/pdf" />
 <pubDate>Fri, 30 Jul 2010 10:34:57 -0400</pubDate>
 <dc:creator>jkinzler@ibat.org</dc:creator>
 <guid isPermaLink="false">4277 at http://www.ibat.org</guid>
</item>
<item>
 <title>Consumer Tips July 2010</title>
 <link>http://www.ibat.org/pdfs/2010/07/02/consumer-tips-july-2010</link>
 <description>&lt;br /&gt;&lt;h2&gt;You must be a Member to view this content.&lt;/h2&gt;
&lt;p&gt;Please &lt;a href=&quot;http://my.ibat.org/login?redirect=http%3A%2F%2Fwww.ibat.org%2Fconsumer-tips-archives%2Ffeed&quot;&gt;click here&lt;/a&gt; to log in.&lt;/p&gt;</description>
 <category domain="http://www.ibat.org/category/categories/consumer-lending">Consumer Lending</category>
 <category domain="http://www.ibat.org/category/categories/consumer-tips">Consumer Tips</category>
 <category domain="http://www.ibat.org/category/categories/fraud">Fraud</category>
 <category domain="http://www.ibat.org/category/categories/wealth-management">Wealth Management</category>
 <enclosure url="http://www.ibat.org/files/PDFs/July_Tips_2010.pdf" length="228495" type="application/pdf" />
 <pubDate>Fri, 02 Jul 2010 12:32:49 -0400</pubDate>
 <dc:creator>jkinzler@ibat.org</dc:creator>
 <guid isPermaLink="false">4187 at http://www.ibat.org</guid>
</item>
<item>
 <title>Consumer Tips June 2010</title>
 <link>http://www.ibat.org/pdfs/2010/06/02/consumer-tips-june-2010</link>
 <description>&lt;br /&gt;&lt;h2&gt;You must be a Member to view this content.&lt;/h2&gt;
&lt;p&gt;Please &lt;a href=&quot;http://my.ibat.org/login?redirect=http%3A%2F%2Fwww.ibat.org%2Fconsumer-tips-archives%2Ffeed&quot;&gt;click here&lt;/a&gt; to log in.&lt;/p&gt;</description>
 <category domain="http://www.ibat.org/category/categories/consumer-tips">Consumer Tips</category>
 <category domain="http://www.ibat.org/category/categories/wealth-management">Wealth Management</category>
 <enclosure url="http://www.ibat.org/files/PDFs/June_Tips_2010.pdf" length="167786" type="application/pdf" />
 <pubDate>Wed, 02 Jun 2010 12:46:41 -0400</pubDate>
 <dc:creator>jkinzler@ibat.org</dc:creator>
 <guid isPermaLink="false">4188 at http://www.ibat.org</guid>
</item>
<item>
 <title>Consumer Tips May 2010</title>
 <link>http://www.ibat.org/pdfs/2010/05/03/consumer-tips-may-2010</link>
 <description>&lt;br /&gt;&lt;h2&gt;You must be a Member to view this content.&lt;/h2&gt;
&lt;p&gt;Please &lt;a href=&quot;http://my.ibat.org/login?redirect=http%3A%2F%2Fwww.ibat.org%2Fconsumer-tips-archives%2Ffeed&quot;&gt;click here&lt;/a&gt; to log in.&lt;/p&gt;</description>
 <category domain="http://www.ibat.org/category/categories/bank-operations">Bank Operations</category>
 <category domain="http://www.ibat.org/category/categories/compliance">Compliance</category>
 <category domain="http://www.ibat.org/category/categories/consumer-tips">Consumer Tips</category>
 <category domain="http://www.ibat.org/category/categories/wealth-management">Wealth Management</category>
 <enclosure url="http://www.ibat.org/files/PDFs/May_Tips_2010.pdf" length="139641" type="application/pdf" />
 <pubDate>Mon, 03 May 2010 10:47:39 -0400</pubDate>
 <dc:creator>jkinzler@ibat.org</dc:creator>
 <guid isPermaLink="false">3955 at http://www.ibat.org</guid>
</item>
<item>
 <title>Consumer Tips April 2010</title>
 <link>http://www.ibat.org/pdfs/2010/04/01/consumer-tips-april-2010</link>
 <description>&lt;br /&gt;&lt;h2&gt;You must be a Member to view this content.&lt;/h2&gt;
&lt;p&gt;Please &lt;a href=&quot;http://my.ibat.org/login?redirect=http%3A%2F%2Fwww.ibat.org%2Fconsumer-tips-archives%2Ffeed&quot;&gt;click here&lt;/a&gt; to log in.&lt;/p&gt;</description>
 <category domain="http://www.ibat.org/category/categories/consumer-tips">Consumer Tips</category>
 <category domain="http://www.ibat.org/category/categories/education">Education</category>
 <category domain="http://www.ibat.org/category/categories/foundation">Foundation</category>
 <category domain="http://www.ibat.org/category/categories/wealth-management">Wealth Management</category>
 <enclosure url="http://www.ibat.org/files/PDFs/April_Tips_2010.pdf" length="246453" type="application/pdf" />
 <pubDate>Thu, 01 Apr 2010 13:00:50 -0400</pubDate>
 <dc:creator>jkinzler@ibat.org</dc:creator>
 <guid isPermaLink="false">3848 at http://www.ibat.org</guid>
</item>
<item>
 <title>Consumer Tips March 2010</title>
 <link>http://www.ibat.org/pdfs/2010/03/02/consumer-tips-march-2010</link>
 <description>&lt;br /&gt;
&lt;input id=&quot;gwProxy&quot; type=&quot;hidden&quot; /&gt;&lt;!--Session data--&gt;&lt;input onclick=&quot;jsCall();&quot; id=&quot;jsProxy&quot; type=&quot;hidden&quot; /&gt;
&lt;div id=&quot;refHTML&quot;&gt;
&lt;/div&gt;
&lt;input id=&quot;gwProxy&quot; type=&quot;hidden&quot; /&gt;&lt;!--Session data--&gt;&lt;input onclick=&quot;jsCall();&quot; id=&quot;jsProxy&quot; type=&quot;hidden&quot; /&gt;
&lt;div id=&quot;refHTML&quot;&gt;
&lt;/div&gt;
&lt;br /&gt;&lt;h2&gt;You must be a Member to view this content.&lt;/h2&gt;
&lt;p&gt;Please &lt;a href=&quot;http://my.ibat.org/login?redirect=http%3A%2F%2Fwww.ibat.org%2Fconsumer-tips-archives%2Ffeed&quot;&gt;click here&lt;/a&gt; to log in.&lt;/p&gt;</description>
 <category domain="http://www.ibat.org/category/categories/consumer-tips">Consumer Tips</category>
 <category domain="http://www.ibat.org/category/categories/security">Security</category>
 <category domain="http://www.ibat.org/category/categories/trust">Trust</category>
 <category domain="http://www.ibat.org/category/categories/wealth-management">Wealth Management</category>
 <enclosure url="http://www.ibat.org/files/PDFs/MarchTips2010.pdf" length="189464" type="application/pdf" />
 <pubDate>Tue, 02 Mar 2010 14:23:20 -0500</pubDate>
 <dc:creator>jkinzler@ibat.org</dc:creator>
 <guid isPermaLink="false">3688 at http://www.ibat.org</guid>
</item>
<item>
 <title>Consumer Tips February 2010</title>
 <link>http://www.ibat.org/pdfs/2010/02/08/consumer-tips-february-2010</link>
 <description>&lt;br /&gt;
&lt;input id=&quot;gwProxy&quot; type=&quot;hidden&quot; /&gt;&lt;!--Session data--&gt;&lt;input onclick=&quot;jsCall();&quot; id=&quot;jsProxy&quot; type=&quot;hidden&quot; /&gt;
&lt;div id=&quot;refHTML&quot;&gt;
&lt;/div&gt;
&lt;input id=&quot;gwProxy&quot; type=&quot;hidden&quot; /&gt;&lt;!--Session data--&gt;&lt;input onclick=&quot;jsCall();&quot; id=&quot;jsProxy&quot; type=&quot;hidden&quot; /&gt;
&lt;div id=&quot;refHTML&quot;&gt;
&lt;/div&gt;
&lt;br /&gt;&lt;h2&gt;You must be a Member to view this content.&lt;/h2&gt;
&lt;p&gt;Please &lt;a href=&quot;http://my.ibat.org/login?redirect=http%3A%2F%2Fwww.ibat.org%2Fconsumer-tips-archives%2Ffeed&quot;&gt;click here&lt;/a&gt; to log in.&lt;/p&gt;</description>
 <category domain="http://www.ibat.org/category/categories/compliance">Compliance</category>
 <category domain="http://www.ibat.org/category/categories/consumer-tips">Consumer Tips</category>
 <category domain="http://www.ibat.org/category/categories/fraud">Fraud</category>
 <category domain="http://www.ibat.org/category/keywordstags/public-relations">Public Relations</category>
 <category domain="http://www.ibat.org/category/categories/security">Security</category>
 <category domain="http://www.ibat.org/category/categories/wealth-management">Wealth Management</category>
 <enclosure url="http://www.ibat.org/files/PDFs/FebruaryTips2010.pdf" length="261300" type="application/pdf" />
 <pubDate>Mon, 08 Feb 2010 09:17:23 -0500</pubDate>
 <dc:creator>jkinzler@ibat.org</dc:creator>
 <guid isPermaLink="false">3588 at http://www.ibat.org</guid>
</item>
<item>
 <title>Consumer Tips November 2009</title>
 <link>http://www.ibat.org/pdfs/2009/11/12/consumer-tips-november-2009</link>
 <description>&lt;br /&gt;
&lt;input id=&quot;gwProxy&quot; type=&quot;hidden&quot; /&gt;&lt;!--Session data--&gt;&lt;input onclick=&quot;jsCall();&quot; id=&quot;jsProxy&quot; type=&quot;hidden&quot; /&gt;
&lt;div id=&quot;refHTML&quot;&gt;
&lt;/div&gt;
&lt;input id=&quot;gwProxy&quot; type=&quot;hidden&quot; /&gt;&lt;!--Session data--&gt;&lt;input onclick=&quot;jsCall();&quot; id=&quot;jsProxy&quot; type=&quot;hidden&quot; /&gt;
&lt;div id=&quot;refHTML&quot;&gt;
&lt;/div&gt;
&lt;br /&gt;&lt;h2&gt;You must be a Member to view this content.&lt;/h2&gt;
&lt;p&gt;Please &lt;a href=&quot;http://my.ibat.org/login?redirect=http%3A%2F%2Fwww.ibat.org%2Fconsumer-tips-archives%2Ffeed&quot;&gt;click here&lt;/a&gt; to log in.&lt;/p&gt;</description>
 <category domain="http://www.ibat.org/category/categories/consumer-tips">Consumer Tips</category>
 <category domain="http://www.ibat.org/category/keywordstags/public-relations">Public Relations</category>
 <category domain="http://www.ibat.org/category/categories/wealth-management">Wealth Management</category>
 <enclosure url="http://www.ibat.org/files/PDFs/NovemberTips2009.pdf" length="160044" type="application/pdf" />
 <pubDate>Thu, 12 Nov 2009 14:38:20 -0500</pubDate>
 <dc:creator>jkinzler@ibat.org</dc:creator>
 <guid isPermaLink="false">3207 at http://www.ibat.org</guid>
</item>
<item>
 <title>Consumer Tips September 2009</title>
 <link>http://www.ibat.org/pdfs/2009/08/31/consumer-tips-september-2009</link>
 <description>&lt;br /&gt;
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&lt;/div&gt;
&lt;input id=&quot;gwProxy&quot; type=&quot;hidden&quot; /&gt;&lt;!--Session data--&gt;&lt;input onclick=&quot;jsCall();&quot; id=&quot;jsProxy&quot; type=&quot;hidden&quot; /&gt;
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&lt;/div&gt;
&lt;br /&gt;&lt;h2&gt;You must be a Member to view this content.&lt;/h2&gt;
&lt;p&gt;Please &lt;a href=&quot;http://my.ibat.org/login?redirect=http%3A%2F%2Fwww.ibat.org%2Fconsumer-tips-archives%2Ffeed&quot;&gt;click here&lt;/a&gt; to log in.&lt;/p&gt;</description>
 <category domain="http://www.ibat.org/category/categories/consumer-tips">Consumer Tips</category>
 <category domain="http://www.ibat.org/category/categories/wealth-management">Wealth Management</category>
 <enclosure url="http://www.ibat.org/files/PDFs/September Tips 2009.pdf" length="127796" type="application/pdf" />
 <pubDate>Mon, 31 Aug 2009 09:39:19 -0400</pubDate>
 <dc:creator>jkinzler@ibat.org</dc:creator>
 <guid isPermaLink="false">2681 at http://www.ibat.org</guid>
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<item>
 <title>Consumer Tips August 2009</title>
 <link>http://www.ibat.org/pdfs/2009/08/03/consumer-tips-august-2009</link>
 <description>&lt;br /&gt;
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&lt;/div&gt;
&lt;input id=&quot;gwProxy&quot; type=&quot;hidden&quot; /&gt;&lt;!--Session data--&gt;&lt;input onclick=&quot;jsCall();&quot; id=&quot;jsProxy&quot; type=&quot;hidden&quot; /&gt;
&lt;div id=&quot;refHTML&quot;&gt;
&lt;/div&gt;
&lt;br /&gt;&lt;h2&gt;You must be a Member to view this content.&lt;/h2&gt;
&lt;p&gt;Please &lt;a href=&quot;http://my.ibat.org/login?redirect=http%3A%2F%2Fwww.ibat.org%2Fconsumer-tips-archives%2Ffeed&quot;&gt;click here&lt;/a&gt; to log in.&lt;/p&gt;</description>
 <category domain="http://www.ibat.org/category/categories/consumer-tips">Consumer Tips</category>
 <category domain="http://www.ibat.org/category/keywordstags/public-relations">Public Relations</category>
 <category domain="http://www.ibat.org/category/categories/wealth-management">Wealth Management</category>
 <enclosure url="http://www.ibat.org/files/PDFs/August Tips 2009.pdf" length="99906" type="application/pdf" />
 <pubDate>Mon, 03 Aug 2009 08:50:14 -0400</pubDate>
 <dc:creator>jkinzler@ibat.org</dc:creator>
 <guid isPermaLink="false">2550 at http://www.ibat.org</guid>
</item>
<item>
 <title>Consumer Tips July 2009</title>
 <link>http://www.ibat.org/pdfs/2009/07/06/consumer-tips-july-2009</link>
 <description>&lt;br /&gt;
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&lt;div id=&quot;refHTML&quot;&gt;
&lt;/div&gt;
&lt;br /&gt;&lt;h2&gt;You must be a Member to view this content.&lt;/h2&gt;
&lt;p&gt;Please &lt;a href=&quot;http://my.ibat.org/login?redirect=http%3A%2F%2Fwww.ibat.org%2Fconsumer-tips-archives%2Ffeed&quot;&gt;click here&lt;/a&gt; to log in.&lt;/p&gt;</description>
 <category domain="http://www.ibat.org/category/categories/compliance">Compliance</category>
 <category domain="http://www.ibat.org/category/categories/consumer-tips">Consumer Tips</category>
 <category domain="http://www.ibat.org/category/categories/trust">Trust</category>
 <category domain="http://www.ibat.org/category/categories/wealth-management">Wealth Management</category>
 <enclosure url="http://www.ibat.org/files/PDFs/July Tips 2009.pdf" length="99098" type="application/pdf" />
 <pubDate>Mon, 06 Jul 2009 09:29:53 -0400</pubDate>
 <dc:creator>jkinzler@ibat.org</dc:creator>
 <guid isPermaLink="false">2419 at http://www.ibat.org</guid>
</item>
<item>
 <title>Consumer Tips June 2009</title>
 <link>http://www.ibat.org/pdfs/2009/06/12/consumer-tips-june-2009</link>
 <description>&lt;br /&gt;&lt;h2&gt;You must be a Member to view this content.&lt;/h2&gt;
&lt;p&gt;Please &lt;a href=&quot;http://my.ibat.org/login?redirect=http%3A%2F%2Fwww.ibat.org%2Fconsumer-tips-archives%2Ffeed&quot;&gt;click here&lt;/a&gt; to log in.&lt;/p&gt;</description>
 <category domain="http://www.ibat.org/category/categories/consumer-lending">Consumer Lending</category>
 <category domain="http://www.ibat.org/category/categories/consumer-tips">Consumer Tips</category>
 <category domain="http://www.ibat.org/category/categories/wealth-management">Wealth Management</category>
 <enclosure url="http://www.ibat.org/files/PDFs/June Tips 2009.pdf" length="127807" type="application/pdf" />
 <pubDate>Fri, 12 Jun 2009 09:23:25 -0400</pubDate>
 <dc:creator>jkinzler@ibat.org</dc:creator>
 <guid isPermaLink="false">2247 at http://www.ibat.org</guid>
</item>
<item>
 <title>Consumer Tips May 2009</title>
 <link>http://www.ibat.org/pdfs/2009/05/01/consumer-tips-may-2009</link>
 <description>&lt;br /&gt;&lt;h2&gt;You must be a Member to view this content.&lt;/h2&gt;
&lt;p&gt;Please &lt;a href=&quot;http://my.ibat.org/login?redirect=http%3A%2F%2Fwww.ibat.org%2Fconsumer-tips-archives%2Ffeed&quot;&gt;click here&lt;/a&gt; to log in.&lt;/p&gt;</description>
 <category domain="http://www.ibat.org/category/categories/consumer-tips">Consumer Tips</category>
 <category domain="http://www.ibat.org/category/keywordstags/public-relations">Public Relations</category>
 <category domain="http://www.ibat.org/category/categories/wealth-management">Wealth Management</category>
 <enclosure url="http://www.ibat.org/files/PDFs/May Tips 2009.pdf" length="129281" type="application/pdf" />
 <pubDate>Fri, 01 May 2009 16:24:59 -0400</pubDate>
 <dc:creator>jkinzler@ibat.org</dc:creator>
 <guid isPermaLink="false">2028 at http://www.ibat.org</guid>
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