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All words and phrases in blue in this newsletter are links to more information!
If you haven't taken advantage of early voting, don't forget to vote next Tuesday, November 8! IBAT was part of two different coalitions which successfully passed what are now Proposition 5 and Proposition 7 at the last legislative session. Please vote, and encourage those in your circle of influence to do the same!
| LEGAL EASE QUESTION OF THE WEEK |
 May we charge a fee on a dormant account? To find out the answer, click on the flashing question mark. You can also check out our growing database of other Q&As!
 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 was October 28, but we have a few rooms available. Don't delay...space is limited!
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 |
Sixteen NEW job titles and updated descriptions highlight this year’s 2005 Alliance of Independent Bankers Salary & Compensation Survey and the RESULTS are AVAILABLE NOW! With new compensation topics including stock options, the annual survey improves again this year as more and more bankers rely upon it for the current and comprehensive information covering community bank compensation!
Sign up now for a complimentary Executive Briefing, Luncheon and Golf! Seating and tee times are limited so sign up early. Please join IBAT's endorsed provider, MBenefit Solutions - Bank Strategies, to explore evolving practices and views on effective compensation programs to recruit, retain, motivate and reward Senior Executives and Directors.
The sixth annual IBAT Winter Summit is set for January 29-31 in South Lake Tahoe. This summit is a tremendous opportunity to get to know your regulators in an informal and relaxed setting. We will be joined by the top regulators in the state, including Stan Ivie (FDIC), Randy Fenimore (OCC), Bob Hankins (Federal Reserve Bank) and Randall James (Texas Department of Banking). Additionally, we have "dialogue with the banking lawyers", Chet Fenimore (Jenkens & Gilchrist) and Sandy Brown (Bracewell & Giuliani), to discuss current issues including mergers and acquisitions, emerging legislative issues, taxes and other "hot issues."
 For a complete listing of upcoming events, click here. Meanwhile, please mark your calendar for some of our key events for 2006.
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IBAT Winter Summit VI
January 29-31, 2006 - South Lake Tahoe |
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TechMecca
February 13-14, 2006 - The Woodlands |
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Women In Banking Conference
April 27-28, 2006 - San Antonio |
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Bank Marketing Institute
April 30-May 2, 2006 - Dallas |
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Leadership Conference
June 15-17, 2006 - Galveston |
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IBAT 32nd Annual Convention
October 1-4, 2006 - San Antonio |
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Bank Operations Institute
October 8-13, 2006 - Dallas |
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This month's Consumer Tips column helps bank customers decide "
