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| LEGAL EASE QUESTION OF THE WEEK |
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Question: If we do an unsecured loan, with a “purpose” of home improvement, but we do NOT have a separate loan classification for home improvement loans, is it automatically reportable under HMDA requirements, or would it be at the option of the bank whether to report this type of loan?
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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| McGRUFF'S NOT JUST FOR KIDS ANYMORE |
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McGruff, the CrimeDog, is also helping seniors take a bite out of crime. The threat of crime worries people of all ages. The National Crime Prevention Council has designed a new kit just for seniors with personal safety tips whether they are at home or traveling, plus tips to protect them from fraud and identity theft. If you would like more information on how you can order these kits for your customers, customized with your bank logo, call Mae Beth at 800.749.4228. |
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| SOLUTIONS FROM SERVICES |
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IBAT endorses BancVue’s REWARDChecking program
The IBAT board has endorsed BancVue’s REWARDChecking program – a free checking account without any minimum balance requirements that offers a high interest rate and ATM Fee Refunds. In order to receive these rewards, the customer must meet certain technology adoption criteria which offsets the cost of the rewards. If the customer doesn’t meet the technology adoption criteria, the account is still free and pays a little interest.
Participants should expect increased profitability through deposit growth, competitive positioning and decreased costs of serving your customers. IBAT members will receive financial discounts on both new agreements and renewals of existing agreements. For more information contact Donna Cravens at 866.342.2557 or e-mail at sales@bancvue.com. |
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| BAKER WEEKLY |
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Conditions for sustained economic growth look to be negative, at least for the next three to six months. January’s leading economic indicator, released last week, showed the fourth straight month of possible contraction as credit problems and housing slowdown still looms. 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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Because you are a member of IBAT you have access to convenient, efficient, cost-effective training on a variety of topics. The CD Rom Training Catalog makes it easy to find what you are looking for. Indexed by topic, the catalog may be viewed from your computer or printed out in hard-copy form.
Each CD Rom is 90 minutes long and was recorded from a live web-based training session. The CD includes:
 90-minute audio/visual presentation (including live Q&A session)
 pdf copy of handout materials
email address of the presenter to ask post training questions
Conducted by top industry experts, this format allows you to build your training library and train from the convenience of your training room or desk... training when and where you choose.
To order a CD Rom, refer to page 2 of the CD Rom Training Catalog. These CDs may be ordered at any time. The New CDs and Hot topics have been marked for easy identification. Click HERE for the entire catalog. |
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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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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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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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