RECENT NEWS
		Don't Forget to Vote Early voting is underway for the November 7 General Election.  Just a reminder that you can see a listing of those candidates supported by the IBAT PAC and the IBAT FedPAC.      Additionally, don't forget the link to the judicial recommendations, from our friends at the Texas Civil Justice League.  Thank you all for your involvement in this critical process, and for your support of community banking. Mark Your Calendars For February 14 for the IBAT Legislative Luncheon in Austin.  You’ll receive a morning legislative briefing from IBAT staff , as well as hear from some of our legislators.  The luncheon provides a great opportunity to visit with your hometown legislator in an informal setting.  Make sure your local legislator has the date circled in red on his or her calendar and you’ll be receiving more information in the coming weeks.
LEGAL EASE QUESTION OF THE WEEK
		Question:  May the bank allow candidates to place their campaign literature in the bank lobby?      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
		Custom Printing and Office Products  AccuSource Solutions has over 20 years of strategic partnering with over 100 Texas community banks to save money, time and resources.  They provide a comprehensive outsourcing solution for the purchasing, inventory control and distribution of printed forms and envelopes, office supplies, marketing collateral and promotional items.  AccuSource provides technology and service solutions for expense control and branch cost allocations that upload into the bank’s accounts payable general ledger software.      IBAT member banks receive a minimum of 10 to 25% hard dollar savings with substantial resource savings along with other exclusive benefits.  In fact, AccuSource guarantees results.  Targeted reductions are established and guaranteed following a no cost, no obligation analysis that identifies measurable cost-saving opportunities.  Using the power of the Internet, AccuSource delivers more than product, we deliver: Solutions. Service. Savings.      Call 800.869.0992 and ask for Mark Wood at ext. 106 or Bill Saunders at 127 to learn more about how AccuSource can impact your bank.
BAKER WEEKLY
		The U.S. economy slowed…Annualized GDP unexpectedly dropped…Core personal consumption expenditures show third quarter slowing...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
		Financial Literacy Summit December 5-6, 2006 - Federal Reserve Bank, Houston More information...   PURPOSE:  To demonstrate practical ways community bankers can bring financial literacy information to High School Juniors in the 2006-2007 school year.  To spotlight successful programs that earn CRA credit where local bankers have promoted financial education using Money Smart, Building Wealth, Texas Banking Department and other regulatory agency initiatives.  To showcase a new partnership between Junior Achievement and community bankers.
COMING SOON
		For a complete listing of upcoming events, click here. Meanwhile, please mark your calendar for some of our key events for 2006 and 2007.     2006 Bank Outreach Programs - FDIC November 2-3 - San Antonio   IBAT Appraisals Summit November 6 - Dallas   2006 Bank Outreach Programs - FDIC November 8-9 - Dallas (Richardson)   IBAT Winter Summit VII January 28-30, 2007 - South Lake Tahoe, NV   IBAT Legislative Luncheon February 14, 2007 - Austin   Post-ICBA Convention Program March 8-11, 2007 - Maui, HI IBAT Leadership Conference June 14-16, 2007 - Hyatt Lost Pines Resort IBAT 33rd Annual Convention September 30 - October 2, 2007 - Fort Worth