Pub. 12 2022-2023 Issue 3

TOC	1
Message from the CEO	2
In Memoriam	3
Not Just Nonprofits	4
Education & Trust Matter When Dealing with Digital Assets	6
HSAs, an Opportunity for Mutual Benefit	6
FOR COMMUNITY BANKS, THE SUN ALSO RISES Solar Tax Credit Investments Now More Accessible	12
Equity Cure Provisions in Middle-Market, Sponsor-Backed Credit Agreements	14
How to Know if Your Bank Must Report a Cybersecurity Incident	16
Regulatory Scrutiny of NSF and Overdraft Fees	19
Four tips for for Community Banks to Retain Talent	22
The Society of Bank Executives	24
Cash Flow Management	26
Why Banks are Embracing Loan Marketplaces as a Solution to Liquidity	27

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