CONTENTS ©2023 The West Virginia Bankers Association | The newsLINK Group, LLC. All rights reserved. West Virginia Banker is published four times each year by The newsLINK Group, LLC for the West Virginia Bankers Association 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 West Virginia Bankers Association, 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. West Virginia Banker is a collective work, and as such, some articles are submitted by authors who are independent of the West Virginia Bankers Association. While West Virginia 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. 5 President’s Message: Advocacy is a Year-Round Team Activity By Mark Mangano, WVBankers President & CEO 6 Washington Update: The High Cost of Too Much Capital By Rob Nichols, President and CEO, American Bankers Association 8 Amid the AI Hype, What Should Your Bank Do? By Milton Bartley, President and CEO, ImageQuest 10 Escheatment Laws in West Virginia By Randy Cole, Suttle & Stalnaker, PLLC 14 “Keep It Long Enough, It Will Come Back in Fashion” Buydown Program Considerations By Elizabeth Madlem, Bankers Alliance 18 B2B Marketing Quickly Identify and Engage Small Business Prospects By David Adams, Equifax 21 Unmaking the Myths Fact-Checking Community Banking By Achim Griesel and Dr. Sean Payant, Haberfeld 4 West Virginia Banker 8 18 14
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