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| IBAT REGIONAL MEETINGS |
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Here's your chance to help frame our program of work in 2008. We invite you, your officers, employees and directors to attend one of these FREE meetings – simply fax us your registration form or register online.
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| IBAT 16TH ANNUAL CONGRESSIONAL VISIT |
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Have you registered yet? Don't miss this opportunity to get a fascinating behind-the-scenes look at the federal legislative arena, while helping to tell the community bank story in Washington.
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| LEGAL EASE QUESTION OF THE WEEK |
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Question: I was wondering about the demand feature box in the payment section of our note for a consumer (non-real estate) loan. Some of the notes we've done in the past have the demand box checked, then the note says something like, "on demand, but if no demand is made then I will pay the loan in 12 payments of $100 each". Other notes show the same payment verbiage but don't have the demand box checked or the demand verbiage. Since our document provider software provides both options, I'm assuming the bank can do as it chooses, but thought I'd get your opinion because this clearly seems like a State law issue to me.
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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| SOLUTIONS FROM SERVICES |
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Recently, premature twins were hospitalized for more than 90 days with charges in excess of $1,487,581. Because of their commitment to IBAT member participant Plans, The Kempton Company, administrator of Advantage Health Plans Trust*, set out to see how they could reduce these charges, while still making sure the babies got the very best care. Through auditing, negotiation, and the hard work of their staff and the stop-loss carrier, they were able to save the Plan over $265,000 above the PPO discount! Not only are the babies happy and thriving, but the client and reinsurance company are too!
"It's a pleasure to work with each of you and with a TPA that is far above and beyond the rest!" *Group Stop-Loss Carrier
For more information on how Advantage Health Plans Trust can help your financial institution save on health benefits, contact Rick Berg at USI: rick.berg@usi.biz or 713-490-4597.
*Paid Endorsement |
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| BAKER WEEKLY |
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Federal Reserve Chairman Ben Bernanke has vowed to reduce the “downside risk” of the U.S. economy with “substantive additional action'. Following his speech, short-term Treasury Notes rallied in anticipation of additional rate cuts, while Fed Fund futures indicates a 94% chance of lowering overnight borrowing rates 50bps from 4.25% at the end of this month...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. |
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| ON THE EDUCATION FRONT |
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Don't Delay...register now for the following programs:
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Investment Basics Summit
February 12, 2008
Watermark Hotel & Spa, San Antonio
HOTEL DEADLINE - 1/21
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IT Security Summit
February 21, 2008
Sheraton Arlington Hotel
HOTEL DEADLINE - 1/25
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COMING SOON |
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For a complete listing of upcoming events, CLICK HERE. Meanwhile, please mark your calendar for some of our key upcoming events.
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January 22-25, February 5-8, 2008 - Locations TBD |
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February 12, 2008 - San Antonio |
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February 21, 2008 - Arlington |
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March 6-8, 2008 - Grand Bahama Island |
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April 29-May 1, 2008 - Washington, DC |
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IBAT Leadership Conference
June 19-21, 2008 - Moody Gardens, Galveston |
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September 20-23, 2008 - Hyatt Lost Pines Resort, Austin/Bastrop |
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Bank Operations Institute
October 5-10, 2008 - Dallas | | |
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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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