Pub. 12 2021 Issue 2

TOC	4
A Message From The Chief Executive: Moving Forward	5
Community Corner	6
Banks: The Path to Service Quality and Managing Costs for the Future	8
Three Ways the Legislature Has Redefined Consumer Litigation in West Virginia	10
3 Tips for Bank Leaders in Today’s Environment	14
The Loyalty Factor: Translating Relationships into Non-Interest Income	18
Advertiser Index	20
CRBs and HRBs and MRBs, Oh My: Navigating the Intricacies of Cannabis Banking	22
Five Pillars Supporting Community Bank Independence	26
Good Things Come to Those Who Wait: Interagency Proposed Flood Q & As	28
Is Opportunity Cost Hurting Our Bottom Line?	30
WVCCPA Finds Its Equilibrium	32
2021 Calendar of Events	34

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