Pub 14 2023 Issue 4

President’s Message Advocacy is a Year-Round Team Activity	5
Washington Update The High Cost of Too Much Capital	6
Amid the AI Hype, What Should Your Bank Do?	8
Escheatment Laws in West Virginia	10
“Keep It Long Enough, It Will Come Back in Fashion” Buydown Program Considerations	14
B2B Marketing Quickly Identify and Engage Small Business Prospects	18
Unmaking the Myths Fact-Checking Community Banking	21

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