CONSUMER TIPS
		Most Americans today are ill-prepared for retirement tomorrow.  While we dream of and look forward to an active, carefree and independent retirement, the reality is that far too many Americans have saved little or nothing for their "golden years."      CLICK HERE For the July Consumer Tips column: I'm Still Young.  Why Worry About Retirement?      Remember, you can insert your bank's logo and use these tips as statement stuffers for your customers.
IBAT 33RD ANNUAL CONVENTION
		Watch your mail soon for the official convention brochure.  Or check out the preliminary schedule and early bird registration form available on our web site now.      More information...
LEGAL EASE QUESTION OF THE WEEK
		Question:  We have a good CIP system for all accounts, including our commercial ones.  Do we still need to verify commercial depositor address every year?      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
		When deciding on health care providers, do you wonder “Who’s on First?”      It can be difficult to decipher the different health care plans and programs offered by insurance carriers and individual brokers.  Advantage Health Plans Trust makes it simple.  We know that providing quality health options to your employees is not a game.  Our commitment to independent bankers and their employees goes way beyond the signature on a contract.      Recently endorsed by IBAT, Advantage Health Plans Trust is actively providing health care programs to over 50 of IBAT’s banks in Texas.  Join this webinar and let us show you why bankers across Texas are choosing Advantage Health Plans Trust.   Webinar Details Date:  July 17, 2007 Time:  8:30 am   CLICK HERE to register.   *Paid Endorsement
IBAT EDUCATION FOUNDATION
		The IBAT Education Foundation web site offers links to financial information for students of all ages.  To help your teenager learn how to save, spend and protect his/her cash, click on Students under "Who You Are"  on the home page and click on "Money Management for Teens" under High School.
BAKER WEEKLY
		The Federal Open Market Committee once again decided to leave the overnight borrowing rate steady at 5.25% this week. The Fed's target rate has remained unchanged since June 2006. Following the release of their statement, analysts saw more light at the end of the tunnel as the Fed removed its “elevated” inflation concerns and replaced it with “readings on core inflation have improved modestly”...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
		IBAT & PBS are co-sponsoring several seminars in 2007.  Here is the current schedule.   Anti-Money Laundering & BSA School   July 24 & 25 - San Antonio   July 26 & 27 - Grapevine   Mastering HMDA   August 8 - Grapevine   August 9 - Houston   August 14 - San Antonio   CTR Workshop & Suspicious Activity   August 15 - Houston   How to Ensure Compliance with Deposit Regulations   August 21 - Lubbock   August 22 - San Antonio   August 23 - Waco   August 24 - Irving   October 10 - Houston
COMING SOON
		For a complete listing of upcoming events, CLICK HERE.  Meanwhile, please mark your calendar for some of our key events for 2007.      Advanced Bonds Summit August 2 - San Antonio   Lending Compliance Summit August 23-24 - Addison   IBAT 33rd Annual Convention September 29 - October 2, 2007 - Fort Worth   Bank Operations Institute October 7-12 - Dallas   FDIC Banker Outreach October 23 - Richardson October 25 - Arlington   How to Create and Maintain a Sales Culture in a Community Bank November 6-7 - Arlington   TechMecca 2007 November 28-29, 2007 - Las Vegas   Financial Literacy Summit December 4-5 - TBD