Pub. 18 2023 2024 Issue 3

President’s Message: Celebrating and Reflecting on Recent Events	8
Washington Update - Advocating for ACRE: How Congress Can Help Rural America	10
Counselor’s Corner: Impediments to a Successful Loan Closing	13
Artificial Intelligence The Benefits and Challenges for Financial Institutions	17
Customer Cybersecurity Awareness: Sharing a Culture of Security	22
Is Your Balance Sheet Recession Ready?	26
2023-2024 Education Calendar	30

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