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All words and phrases in blue in this newsletter are links to more information!
| LEGAL EASE QUESTION OF THE WEEK |
We have received a request from the Adult Protective Services asking for information on an elderly customer. Does this violate any privacy laws? To find out the answer, click on the flashing question mark. You can also check out our growing database of other Q&As!
 As you know, our convention has been rescheduled for November 29 - December 1 at the Gaylord Texan Resort in Grapevine. If you were previously registered, you'll receive a new confirmation in the next few days. If you were not registered, but would like to attend, you can find the new information on our web site. Note: Our new cutoff date for hotel reservations is October 31.
Here is this week's newsletter from The Baker Group. Although this information has been obtained from sources, which we believe to be reliable, we do not guarantee its accuracy. This is for information purposes only and is not intended as an offer or solicitation with respect to the purchase or sale of any security.
IBAT would like to welcome a new member to the association: Texas Champions Bank, Alice.

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BOOKS TO OUT |
SecureWorks Extends Managed Security Services to Include Encrypted Email Service. Small and Medium Financial Institutions Can Ensure Appropriate Handling of Confidential Information and an Irrefutable Audit Trail to Demonstrate Compliance. Click here to read the press release.
 The second annual IBAT Operations Compliance Summit will be held in San Antonio, October 20-21. This unique program from Karen Neeley combines useful information on Texas laws affecting operations, with an emphasis on the latest from the Texas Legislature, plus current federal hot topics. In addition to practical tips on compliance, the program provides valuable networking opportunities for attendees. For more information and registration form, click here.
Texas Tech will holds its 33rd Annual Bankers Agricultural Credit Conference Friday, November 4, 2005 at the International Cultural Center starting at 8:00 am. The reception will be at 6:30 pm at the Frasier Pavilion. Click here for more information.
 Here are a few upcoming IBAT events you might not want to miss. For a complete listing, click here.
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EVENT |
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Your Customer Has Filed Bankruptcy: Practical Application of the New Laws |
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Employee Benefit Survey Webcast |
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RESPA and Regulation Z Compliance | | |