EDITORIAL: Nebraska Banker seeks to provide news and information relevant to Nebraska and other news and information of direct interest to members of the Nebraska Bankers Association. Statement of fact and opinion are made on the responsibility of the authors alone and do not represent the opinion or endorsement of the NBA. Articles may be reproduced with written permission only. ADVERTISEMENTS: The publication of advertisements does not necessarily represent endorsement of those products or services by the NBA. The editor reserves the right to refuse any advertisement. SUBSCRIPTION: Subscription to the magazine, which began bimonthly publication in May 2006, is included in membership fees to the NBA. ©2023 NBA | The newsLINK Group, LLC. All rights reserved. Nebraska Banker is published six times each year by The newsLINK Group, LLC for the NBA and is the official publication for this association. The information contained in this publication is intended to provide general information for review, consideration and education. The contents do not constitute legal advice and should not be relied on as such. If you need legal advice or assistance, it is strongly recommended that you contact an attorney as to your circumstances. The statements and opinions expressed in this publication are those of the individual authors and do not necessarily represent the views of the NBA, its board of directors, or the publisher. Likewise, the appearance of advertisements within this publication does not constitute an endorsement or recommendation of any product or service advertised. Nebraska Banker is a collective work, and as such, some articles are submitted by authors who are independent of the NBA. While Nebraska Banker encourages a first-print policy, in cases where this is not possible, every effort has been made to comply with any known reprint guidelines or restrictions. Content may not be reproduced or reprinted without prior written permission. For further information, please contact the publisher at 855.747.4003. 8 PRESIDENT’S MESSAGE CELEBRATING AND REFLECTING ON RECENT EVENTS Richard J. Baier, President and CEO, Nebraska Bankers Association 10 WASHINGTON UPDATE ADVOCATING FOR ACRE: HOW CONGRESS CAN HELP RURAL AMERICA Rob Nichols, President and CEO, American Bankers Association 13 COUNSELOR’S CORNER IMPEDIMENTS TO A SUCCESSFUL LOAN CLOSING Aaron B. Johnson, Baird Holm 17 ARTIFICIAL INTELLIGENCE THE BENEFITS AND CHALLENGES FOR FINANCIAL INSTITUTIONS Julia A. Gutierrez, Director of Education, Compliance Alliance 22 TECH TALK CUSTOMER CYBERSECURITY AWARENESS: SHARING A CULTURE OF SECURITY Eric Chase, Client Services Information Security Consultant, SBS CyberSecurity, LLC 26 IS YOUR BALANCE SHEET RECESSION READY? Dale Sheller, Associate Partner, The Baker Group 30 2023-2024 EDUCATION CALENDAR CONTENTS 10 17 6 Nebraska Banker
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