Pub. 3 2024 Issue 4

Support the ICBC’s Associate Members!	4
Flourish - Connected as Independent Community Banks	6
From the Top - Showing Pride in Independence	7
ICBC Preferred Providers	8
ICBC Featured Member - Out of Office: Ashley Burt	9
51st Annual Convention	10
State Conformity To IRC Section 174 R&D Cost Capitalization Rules Can Vary	12
Associate Member Spotlight - Getting to Know Ryan Abdoo of Plante Moran	13
Risks of Using AI in BSA/AML Compliance	14
Why More Community Banks Are Choosing to Outsource Their ATMs: Challenges Facing FIS in Today’s	15
Outsource and Elevate Your Marketing Efforts	17
SBA Loans for Startups: Debunking Myths and Laying Out Facts	18
The Value of Mentorship in Banking: Cultivating the Next Generation of Leaders	20
How Positive Pay Helps Fight Check Fraud	22
The Meek ... Inherit a Prominent Place in Bond Portfolios	24
In Memoriam	26
Unlock More Profitable Customer Relationships	28
Beyond The Screen: The Value of In-Branch Banking for Young Consumers	30

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