Thanks to everyone who participated in the 2013 IBAT Guiltless Giveaway! Here are this year's winners. Congratulations!
| Dallas Mavs Tickets (3 seats) | Mark Sheffield, Roscoe State Bank |
| Texas Rangers Tickets (4 seats) | David Chadwick, Farmers State Bank, Center |
| Nespresso Coffee Maker | Mack Neff, Integrity Bank |
| Nespresso Coffee Maker | Jim Payne, First State Bank $ Trust, Carthage |
| Tiffany Jewelry | Heath Stanley, Garland Heart Group |
| Tiffany Jewelry | Wendy Harris, Mills County Bank, Goldthwaite |
| Tiffany Jewelry | Christine Weinzapfel, Muenster State Bank |
| Tiffany Jewelry | James Sykes, Plains Capital Dallas |
| 42 Inch Flat-Screen TV | Troy Robinson, BankTexas, Quitman |
| Kindle Paperwhite | Ricky Leal,First Community Bank, Harlingen |
| Kindle Paperwhite | Teri Murray, First Victoria National Bank |
| Kindle Paperwhite | Jim Haller, First National Bank of Central Texas, Waco |
| Dr. Dre Headphones | Mack Neff, Integrity Bank, Houston |
| Dr. Dre Headphones | Vernon Bryant, Southwest Bank, Fort Worth |
| Dr. Dre Headphones | Jim Payne, First State Bank and Trust, Carthage |
| Apple MacBook Air | Jay Gober, First State Bank, Graham |
Special Thanks:
To our generous sponsor, Dennis Schwartz, Schwartz and Associates (www.docsdirect.com), who provided the amazing prizes and allowing all ticket sales to go to support the work of IBAT Education Foundation.
Process Notes:
Our independent auditor Pete Allman, Allman and Associates,did the actual drawing on Monday, April 1 at 2:30pm. Witnesses were Shannon Phillips, Bonnie Kankel, Kelly Goulart, Julie Courtney, Jessica Molina and Mary Lange.
Buy a Ticket and Support the IBAT Foundation Financial Education Programs
This is the fourth year that IBAT has offered the Guiltless Giveaway during February-April, thanks to the generosity of our sponsor, IBAT member Dennis Schwartz, founder of McKinney, Texas-based Schwartz & Associates. Because of Dennis’ support, 100% of all raffle ticket proceeds go to the IBAT Education Foundation, a 501(c)(3) charity that supports the IBAT Foundation and the IBAT Teach the Teacher ProgramTM. To date, this program has touched 40,000 high school students in Waco, Amarillo, Conroe, Mount Pleasant and San Antonio (TEA Regions 4, 6, 7, 8, 12, 16, 20). In 2013, our plan is to touch 30,000 more high school students across Texas in Victoria, The Valley, and Wichita Falls. The Drawing
The winning tickets will be drawn by an independent third party auditor on Monday, April 1, 2013 at the Austin headquarters offices of the Independent Bankers Association of Texas. You don’t have to be present to win. Phone 800-749-4228 for additional information. Deadline: March 29, 2013.
Please note: Tickets must be paid in full to be entered into the drawing on April 1!
16 Fabulous Prizes
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Your Support of the Foundation provides:
IBAT Teach the Teacher ProgramTM which provides education to meet the unfunded legislative requirement for high school level financial literacy training.
IBAT Community Bank Career Day Scripts/Slides for Community Bankers to Present to Students and Civic Groups IBAT History of Community Banking Book and Videos Recognition on Wall of Heroes and Legends of Community Banking.
To learn more about the IBAT Foundation visit www.ibat.org/foundation or phone 800-749-4228.
*Ticket purchases are not tax deductible.

The Guiltless Giveaway Raffle is made possible by the generosity of Dennis Schwartz, founder of Schwartz & Associates real estate law. Since 1989, this firm has specialized in residential loan document preparation for mortgage lenders of all sizes. Under Schwartz’ leadership, the firm has developed DocsDirect Online, a web-based mortgage document solution that offers the flexibility needed to handle the array of lender channels and loan programs offered by their clients.
Dennis is a friend of the IBAT Education Foundation. Thanks to his generosity, 100% of all raffle ticket sales support the Foundation programs. Talk about Guiltless!
To learn more about Schwartz & Associates, visit www.docsdirect.com.




