Building Financially Literate Communities
2012 Guiltless Giveaway Winners!

Congratulations to the winners of the IBAT Education Foundation’s Guiltless Giveaway Raffle.
Dusty Sheffield – City National Bank
Apple iPad 2 Winners
George Richardson – Security State Bank
Tommy Brooks – CAMAC International Corporation
Chelsey Hagin – Bank of the West
Nikon Digital Camera Winners
Tammy Harper – Bank of the West
Anita Gossett – Bank of the West
Tiffany Jewelry Winners
Joy Smith – TIB –The Independent BankersBank
Melissa Risinger - Bank of the West
Robert Weinzapfel - Muenster State Bank
The Guiltless Giveaway was made possible by the generosity of Dennis Schwartz, founder of McKinney, Texas-based Schwartz & Associates real estate law. Since 1989, Schwartz & Associates has specialized in residential loan document preparation for mortgage lenders of all sizes.
Foundation Hosts 60 for IBAT's Teach the Teacher
Sixty teachers impacting approximately 8,500 students from more than 20 school districts across West Texas, registered to attend. Program sponsors include IBAT, Amarillo National Bank, FirstBank Southwest, First National Bank Spearman, Happy State Bank, Herring Bank, PULSE Network and West Texas A&M University. "The IBAT Foundation chose to focus on financial literacy because statistics show that Texas trails most of the nation in this important area," Mary Lange, IBAT Foundation president, said. "Not only do Texans have low credit scores but we also rank 48th in household net worth and 44th in home-ownership rates. Texas community bankers see these trends and set out to do something about them through their Foundation. By learning relevant financial habits in the classroom, high school students can begin the path to financial success that will help break these startling statistics."
What Others Have Said:
"Thank you all so much for the seminar. I learned so much and can’t wait to apply that in class and my own life. You all did a great job!" - Gregg Paxton, Middle School Teacher
The IBAT Education Foundation
Texas community bankers are seeking ways to be proactive in counteracting a threat to the public's financial health - mounting consumer and commercial debt, understanding how banks operate, and taking responsibility for choices and financial decisions.
The Foundation, a 501(c)3 not for profit organization, is guided by its own Board made up of IBAT members. As we grow, the Board will grow and always exemplify the partnering between community bankers and the communities they serve by including civic leaders, philanthropists, spouses, business leaders and others.
Teaching Excellence Award Winners

Elizabeth McKay
Wolflin Elementary School
Nominated by: Tanya Sluder, Happy State Bank

Lauren Dennard
Carthage High School
Nominated by: Jim Payne, Becky Eubank & David Bates, First State Bank & Trust Co, Carthage.

Sulphur Springs HS
Nominated by: Kevin Monk, Alliance Bank and Craig Roberts, Guaranty Bond Bank
IBAT Teaches JA



Own the history of the first thirty-five years of the Independent Bankers Association of Texas. The purchase of every book supports the IBAT Education Foundation finanical education initiatives, teacher scholarships for excellence in teaching finanical education. Order the book online.

