Pub. 10 2021 Issue 4

TOC	2
Chairman's Message: Membership Engagment	4
President's Message: The Story That Does Not Get Old: Yours!	5
VACB 44th Annual Convention	6
Exhibit Hall Prize Winners	12
Thank you, Convention Sponsors!	14
Newly Elected Officers and Board Members for 2021-22	15
Smart Ways to Find Loan Growth	16
Banking on the “E” in ESG	18
Uncovering Fee-Income and Yield Opportunities in a Challenging Market	20
ACH Debit Entry Fraud	21

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