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 IBAT''s Bottom Line the IBAT weekly electronic newsletter  1/27/2006 
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DID YOU KNOW...
All words and phrases in blue in this newsletter are links to more information!
 
LEGAL EASE QUESTION OF THE WEEK
If a customer has already paid for a necessary survey before applying for a home equity loan, do we have to include that cost in the 3% fee cap?  To find out the answer, click on the flashing question mark.  You can also check out our growing database of other Q&As!
 
 
IBAT EDUCATION FOUNDATION QUESTION
Go to the Foundation web page.  Using the Student Link (Who you are) find Moneyopolis.
Q-1. What age group is this directed toward?
Q-2. In Moneyopolis, what does Xerbie set out to do?
 
Answers revealed next week.  Happy hunting.  
 
BAKER WEEKLY
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.
 
 
 
 
 
 
SOLUTIONS FROM SERVICES
In the past decade, the costs associated with issuing paper payroll checks have been on a steady rise.   To help reduce these costs, many employers encourage employees to have their pay directly deposited into a bank account.   Re-loadable Stored Value Payroll Cards which act similarly to a bank account are the answer.  For More Information Contact Mike Colston at 800-515-3036.
 
BOOKS TO  OUT
Sixteen NEW job titles and updated descriptions highlight the 2005 Alliance of Independent Bankers Salary & Compensation Survey.  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!  Click here to download the order form and order your survey today!  You may also order your survey online through the IBAT Store.
 
ON THE EDUCATION FRONT
Don’t miss out on How to Create & Maintain a Sales Culture in a Community Bank on March 7-8 at the Radisson Hill Country Resort & Spa in San Antonio.  This program applies to everyone who is involved in sales, from the CEO who is attempting to create or improve a sales culture in the bank, to the sales trainer, to the bank employee who simply needs to learn or improve sales skills.
 
COMING SOON...
For a complete listing of upcoming events, click here.  Meanwhile, please mark your calendar for some of our key events for 2006.
 
February 13-14, 2006 - The Woodlands
March 7-8, 2006 - San Antonio
The Exceptional Assistant
April 27-28, 2006 - San Antonio
Bank Marketing Institute
April 30-May 2, 2006 - Dallas
Leadership Conference
June 15-17, 2006 - Galveston
IBAT 32nd Annual Convention
October 1-4, 2006 - San Antonio
Bank Operations Institute
October 8-13, 2006 - Dallas
 

Contact IBAT or if you have comments or questions about this newsletter, email or call Bonnie Kankel at (800) 749-4228.
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