Pub 1 2023 Issue 1

Contents	3
President's Message: Advocating for Community Banks	4
LEAD FWD 2023	6
The Myth, Lure and Reality of AI	9
Home Equity Line of Credit Scams	10
Value Added: High Baseline Yields Accompany Surprisingly Wide Spreads	12
Securing Your Data: Advice From an Award-Winning Cybersecurity Team	14
Checks & Balances ICBA Successfully Defends Against FDIC Special Assessment	16
Welcome New CBW Associate Members	18
2023 CBW Membership Annual Convention & Trade Show	20
Convention Agenda	21
Convention Sponsors	22

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