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All words and phrases in blue in this newsletter are links to more information!
| LEGAL EASE QUESTION OF THE WEEK |
 Must the bank cash government checks for noncustomers? 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 |
 The answers to last week's questions: Question for the week: Go to the Foundation Home Page (Who You Are-Parent/Adult). What community bank has created the WOWZone, that teaches the value of money? Answer revealed next week. Happy Hunting.
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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M Benefit Solutions – Bank Strategies, an IBAT Endorsed Provider, strives to be out in front of any pending accounting and legislative actions concerning the banking industry. They have recently issued the following BANKER ALERT! The Financial Accounting Standards Board (FASB) released information on November 22, 2005, that the Agenda Committee of the Emerging Issues Task Force (EITF) has decided to add employer accounting for deferred compensation or postretirement benefit aspects of split-dollar life insurance arrangements to the EITF agenda. Click here for the complete BANKER ALERT! Contact Tom Jordan with M Benefit Solutions – Bank Strategies at 800-577-2261 for more information.
 Although new federal legislation affects almost every American household, it has not been widely publicized. Check out this month's Consumer Tips column for more information.
We are in the process of updating our e-mail distribution list for the Consumer Tips columns. If you want to receive this column via e-mail, please e-mail John Alexander at jalexander@ibat.org so that we can make sure you are included on the new distribution list.
 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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February 13-14, 2006 - The Woodlands |
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March 7-8, 2006 - San Antonio |
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The Exceptional Assistant
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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Did you know that IBAT co-hosts programs with Professional Bank Services? We have several programs coming up that deserve your attention, including 