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 IBAT's Bottom Line the IBAT weekly electronic newsletter  3/26/2007 
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Lincoln

RESPOND BY TUESDAY, MARCH 27
Our 15th Annual Congressional Visit is scheduled for April 24-26. This is a great opportunity to tell the community banking story to your elected officials in Washington. We hope you'll make plans to join us and help us make a difference for our industry.
     We have a few rooms left in our block at the Madison Hotel but we must hear from you by Tuesday, March 27.  One of our members has alerted us to some really great airfares on American from Dallas that are as low as $225 round trip via Travelzoo's SuperSearch.
 

capitol

 
Capitol Report
In case you missed it, check out last week's Capitol Report for an update on what's happening at the state capitol.
 

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Question:  At closing, we usually ask the borrower to verify the information and sign their application for a mortgage loan.  Recently, a would-be borrower informed the closer that she had a different employer and that her income was significantly less than shown on the application.  We did NOT close this loan.  Next steps?
     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.
 

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Why settle for an ordinary credit card – when you can set your sights on the best card, offering your bank sensational value and expanding your bank’s bottom line?
     The IBAT Proprietary Credit Card Issuing Program was established for the sole purpose of providing superior bank card products and services to Texas community banks.  Along with developing and supporting industry-leading products, this program will deliver broad-based knowledge and experience that can help your staff design and implement successful programs to drive credit card loan volume and build customer loyalty and friendly bill payment services.
     IBAT has arranged for a seminar on the web to present an in depth description of the program.  Please join us on Thursday, April 5, at 1 p.m. to learn more about the hottest program for community banks.  The web seminar is free of charge.  Contact Jessica Molina at IBAT for more information at jmolina@ibat.org.
 

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This week the Fed kept short-term borrowing rates at 5.25%, but their rhetoric seemed to be less hawkish in the minds of some economists as they dropped their reference that "some additional firming may be neded"...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. 
 

EDUCATION

 
CDARS Webinar
Tired of the burden and cost of pledging securities for your local municipal and school district customers?  Interested in opening accounts with an average balance of $2 million or more? CDARS can be the solution!
Municipalities and schools in 37 states are using CDARS today.  Find out how!
     Join us for a webinar covering strategies and best practices for using CDARS with your public funds customers. In less than an hour, we’ll cover:
IBAT.org Benefits of CDARS
IBAT.org Why finance directors like CDARS
IBAT.org Tips for selling against competing products like TexPool 
     Click here to register...
 
Operations Compliance Summit
April 12-13
Omni Hotel, San Antonio
     It is not too late to register for this year's IBAT Operations Compliance Summit.  IBAT's General Counsel, Karen Neeley will be the speaker for a host of topics including:
IBAT.org Overdraft privilege best practices and pitfalls
IBAT.org BSA/AML examination issues
IBAT.org Information security issues
IBAT.org Stored value and payroll card issues
IBAT.org Check processing issues, including Check 21 warranties and remote capture opportunities
IBAT.org FACT Act Update
 
Our luncheon sponsor, SecureWorks, will speak on "the Red Flag-Identity Theft Regulations
 

IBAT.org

 
Circle the wagons!  It’s the registration round up!  The Annual Leadership Conference Registration is now available online for your convenience. 
     Join us June 14-16 at the brand new Hyatt Lost Pines Resort & Spa.  If you enjoy the Hyatt Hill Country, you will LOVE the Hyatt Lost Pines.
     The first 50 attendees to register online will be entered in a drawing for a free iPod Nano.
 

IBAT.org

 
TechMecca 2007
The Premier Technology Conference & Expo for Financial Institutions
November 28-29
Red Rock Casino & Resort, Las Vegas
 
Calling all exhibitors!  Exhibit registration is now open!  Please click here for more information!
   
COMING SOON

 
 
 
 
For a complete listing of upcoming events, click here. Meanwhile, please mark your calendar for some of our key events for 2007.
 
 
IBAT Operations Compliance Summit
April 12-13, 2007 - San Antonio
 
April 24-26, 2007 - Washington, D.C.
June 14-16, 2007 - Hyatt Lost Pines Resort
IBAT 33rd Annual Convention
September 30 - October 2, 2007 - Fort Worth
 
TechMecca 2007
November 28-29, 2007 - Las Vegas


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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