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All words and phrases in blue in this newsletter are links to more information!
 IBAT Supports Two Constitutional Amendments - Early voting starts on October 24 for the November 8 Constitutional Amendment elections. IBAT worked with the legislature and other interested parties to put two important issues on the ballot. Proposition 5 provides some additional flexibility for commercial and real estate lending for Texas banks, and provides some level of parity with out-of-state lenders. Proposition 7 fixes a "glitch" in the reverse mortgage area by allowing for draws rather than a lump sum. We encourage your support of these important Constitutional Amendments!
| LEGAL EASE QUESTION OF THE WEEK |
 One of our loan officers just left our bank to work for a competitor. We have learned that she copied and took customer information with her. What should we do? To find out the answer, click on the flashing question mark. You can also check out our growing database of other Q&As!
| FROM THE IBAT LEGAL DEPARTMENT |
 The Home Equity Interpretations issued jointly by the Finance Commission and the Credit Union Commission were attacked in a lawsuit in state district court in Travis County. On Monday, October 17, we will send out a Special Compliance Bulletin to identify the key rulings and discuss possible actions. Watch your e-mail...
 You may still sign up for our 31st Annual Convention, November 29 - December 1 at the Gaylord Texan Resort in G rapevine. You can find the new information on our web site. Note: The cutoff for hotel reservations is now October 28. 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. |
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BOOKS TO  OUT |
Customer demand for a Visa or MasterCard branded gift card is at an all-time high! In 2003 Gift Cards represented 8% of holiday purchases and corporate incentive cards are expected to grow 30% per year through 2007. Now is the time to tap into this explosion of consumer interest! Please join the IBAT Web-Audio Seminar on October 18, 2005 @ 9:30 a.m. for details on how this program works. Space is limited to the first 25 banks who sign up. Sign up today! To RSVP or for more information, contact Mike Colston at 1-800-515-3036 or mcolston@swbc.com. Click here for more details.
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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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 | |
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In case you missed it, here is the October 
