LEGAL EASE QUESTION OF THE WEEK
		Question:  We want to encourage more mortgage lending.  We would like to have an ad campaign with customers receiving a coupon for money towards closing costs.  How do we disclose this?      To find out the answer, click on the flashing question mark.  And you can also check out our searchable database of other frequently asked questions.
SOLUTIONS FROM SERVICES
		Great news for IBAT members only! Diebold, an IBAT Endorsed Service Provider since 1995, brings you DieboldDirect.  Now it's easier and faster to purchase products for your financial institution.  Watch for your DieboldDirect catalog in the mail and call the IBAT member only supply line to find out about your negotiated discounts.  Call 888/286-2861 for guaranteed $avings!
32ND ANNUAL CONVENTION
		There's still time to register for the IBAT Convention - October 1-3 at the Westin La Cantera Resort in San Antonio.  We'll extend the early bird pricing one more day... but we must receive your registration form by the end of the day Monday (August 21).  You can fax it in and send payment later, or we can invoice you.  Visit us online for more information.        We'd also like to say THANK YOU to all our sponsors and exhibitors for their generous support!  Exhibit space is sold out, but we still have some sponsorship opportunities available.  Don't miss this chance to promote your company to potential clients!
BAKER WEEKLY
		Inflationary concerns have softened this week as wholesale prices were less than anticipated and retail prices rose slightly.  Read more in this week's Baker Weekly.      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.
ON THE EDUCATION FRONT
		Bank Operations Institute October 8-13 - SMU Campus, Dallas Hotel cutoff - September 7 More Information/Register      BOI is a two year program that provides the practical management and leadership techniques necessary for successful community bank operations. The dynamic curriculum is monitored by regulators and bankers and offers strategic insight into both the present and future of banking technology, processes, and project management.       IBAT and PBS co-sponsor seminars throughout the year to better serve you.  Here are the upcoming topics.   Compliance With Federal Lending Regulations Irving - September 13 & 14 - Radisson Hotel DFW South Houston - October 11 & 12 - Sheraton North Houston Hotel More Information      Who Should Attend: This program is suitable for the compliance officer, lenders, loan administration personnel and auditors. Program content is presented at the basic and intermediate levels and focuses on federal law. Attendees should be familiar with lending terms and procedures as well as the laws of their state. This is the annual review for those who realize the breadth of their task and know that, without help, they cannot read enough to keep up in this area.   IRS Compliance San Antonio - October 24 - Hilton San Antonio Airport Irving - October 25 - Harvey Suites DFW Airport More Information      Who Should Attend:  Those who should attend are tax compliance, operations, data processing, loan administration, account administrators, trust and accounting personnel, as well as auditors. Attendees should have general knowledge of banking terms and the laws of their state regarding proper methods for titling accounts.
COMING SOON
		For a complete listing of upcoming events, click here. Meanwhile, please mark your calendar for some of our key events for 2006.     Leadership Division Regional Meeting August 23, 2006 - Fort Worth   3rd Annual Operations Compliance Summit August 24-25, 2006 - Arlington   Leadership Division Regional Golf Tournament August 28, 2006 - Amarillo   Leadership Division Regional Sporting Clay Tournament August 29, 2006 - San Angelo 123rd Assembly for Bank Directors September 1-4, 2006 - Coeur d'Alene, Idaho Advanced Bonds Analysis Summit September 7, 2006 - Crowne Plaza Dallas near the Galleria   IBAT 32nd Annual Convention October 1-3, 2006 - San Antonio   Bank Operations Institute October 8-13, 2006 - Dallas