CONVENTION UPDATE
		IBAT 34th Annual Convention "Hometown Heroes" September 20-23, 2008 Hyatt Regency Lost Pines Resort, Bastrop, TX More information...   Online registration is now open - early bird and hotel cutoff is August 15.      Come help us celebrate Hometown Heroes - Community Bankers.  We have an awesome lineup of general sessions and workshops, along with some outstanding entertainment and networking opportunities.      New this year - Regulators Panel.  Officials from the Texas Banking Department, Federal Reserve, FDIC and OCC will discuss the current economic climate and its impact on our industry.
TECHMECCA 2008
		We are 50% sold on exhibit space, so please do not delay in registering for your booth.  Click HERE for more details.   TechMecca Attendees: Special Pricing!  Make plans to join us in Dallas November 3-4, 2008.      Attendee Registration Is available - $595 per person.  Each full paid registration is eligible to bring three (3) additional attendees from the same financial institution at no additional charge if registered at the same time. Must pre-register to be eligible for this offer.  No free registration will be granted on site.  Each additional or any single registrant will be $395 per person.
IBAT DREAM VACATION
		I couldn’t believe it when they called my name as the winner of the $5,000 Dream Vacation during last year’s convention.  This year, my wife and I will celebrate our 33rd wedding anniversary and we’re going to spend our Dream Vacation in Hawaii.  Be sure to purchase your Dream Vacation ticket…you may be this year’s lucky winner!      Rick Coburn, The Data Center, Grapevine, TX   To order your Dream Vacation tickets, click HERE for the order form.  The Dram Vacation winner will be announced following the Live Auction during the Annual IBAT Convention on September 21st.  Payment must be by personal check or personal credit card.  Under state ethics law, no corporate contributions are allowed.
IBAT PAC AUCTION UNDER WAY
		Here's our current list of items for the IBAT PAC Auction on September 22, 2008 at the Hyatt Lost Pines.  To donate your item, click HERE for the Auction Form and return to Mae Beth in the IBAT Office.
SUBCHAPTER S BANK ASSOCIATION
		The Sub S Bank Association offers a series of monthly training programs via telephone/webcast/audio CD.  This month's program is:   Sub S Trusts: Use, Management & Problems with QSST, ESBT, & Other Unique Sub S Shareholders Wednesday, July 30, 10:00-11:30am Central Time More information...    To see the list of upcoming webcasts or to purchase audio CDs from previous programs, click HERE.
LEGAL EASE QUESTION OF THE WEEK
		Question:   I recently read some materials that stated that if I wrote a letter to a debtor informing him that he was delinquent on his note and the bank was giving him 30 days to bring the note current or the bank would accelerate his note, post for foreclosure, etc., then according to Title I, Subtitle B, Section 170 of the Housing Development Act of 1987, I had to also give him notice that homeownership counseling services were available and attach a list of HUD-approved counseling agencies.  Is this notice and list as to counseling services required?      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.
BAKER WEEKLY
		The Baker Group is excited to release a new weekly periodical "Baker Market Update", formerly titled Baker Weekly.  They have added many new features to help give more thorough market insight and more detailed analysis.  Read more in this week's Baker Market Update.   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.
SOLUTIONS FROM SERVICES
		Coy Lewis Company has been IBAT’s human resource consultant and an IBAT Endorsed Service Provider since 1994.  Their primary goal is to provide consulting services to Texas financial institutions through salary administration and incentive compensation plan development, organizational studies, policy design and implementation.      Coy Lewis Company strives to keep client financial institutions' HR staff appraised of issues that will place an employment risk upon their organization if not handled properly.      Click HERE to learn more about how the Coy Lewis Company can help your financial institution grow and strengthen your human resource department.      For more information contact Coy Lewis at 800.569.3713 or e-mail at coy@coylewis.com.
ON THE EDUCATION FRONT
		Advanced Bonds Summit August 7 - Irving More information...   Lending Compliance Summit August 21 - San Antonio More information...    Liquidity Management Summit September 4-5 - Irving More information...   Upcoming Webcasts Because of your membership with IBAT you have access to register for the following webcasts:  Please see the calendar page for a complete list of webcasts.  August 6   Understanding Letters of Credit Rules Elizabeth Fast, Banker’s Choice August 7   How to Roll Out Remote Deposit Capture Lee Wetherington, Goldleaf Financial Solutions August 12   Advanced Business Accounts: Agencies, Escrow & Multi-tiered Deborah Crawford, gettechnical, inc. August 14   Network Scanning Dr. Kevin Streff, Secure Banking Solutions August 19   Regulators & Impaired Loans  S. Wayne Linder, Young & Assoc, Inc. August 21   Home Equity Loan & HELOC Compliance Ann Brode, Brode Consulting Services August 26   Handling Returns in the New Payments Environment Wendy Wishon, Mid-America Payment Exchange August 27   Reporting Your Credit Data: EOSCAR & Federal Compliance Greg Souther, Greg Souther Consulting & Seminars August 28   Hot Compliance Issues in Product Regulation Karen Neeley, Cox, Smith, Mathews
COMING SOON
		For a complete listing of upcoming events, CLICK HERE.  Meanwhile, please mark your calendar for some of our key upcoming events.      IBAT Associate Member Orientation July 25, 2008 - Austin   Advanced Bonds Summit August 7 - Irving Lending Compliance Summit August 21 - San Antonio   Liquidity Management Summit September 4-5, Irving   IBAT 34th Annual Convention September 21-23, 2008 - Hyatt Lost Pines Resort, Austin/Bastrop   Bank Operations Institute October 5-10, 2008 - Dallas   Sales Culture 201 Summit November - Dallas   TechMecca 2008 November 3-4 - Dallas   Financial Literacy Summit December 2-3 - San Antonio