Pub. 12 2021 Issue 3 4 West Virginia Banker 8 CONTENTS The West Virginia Banker magazine was recognized with an Award of Distinction in the Overall Design Category. The Communicator Awards are the leading international creative awards program honoring creative excellence for communication professionals. Founded over two decades ago, The Communicator Awards are an annual competition honoring the best in advertising, corporate communications, public relations and identity work for print, video, interactive and audio. The 24th Annual Communicator Awards received over 6,000 entries from top ad agencies, interactive agencies, production firms, in-house creative professionals, graphic designers, design firms, and public relations firms around the world. ©2021 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. 6 5 WVBankers Group Retirement Plan – A Value Proposition for Members By Sally Cline 6 Meet Your Chairman: Chad Mildren, Chief Consumer Banking Officer, United Bank 8 2021 Convention Photos 10 Thank you 2021 WVBankers/OBL Joint Convention Sponsors 12 How Will Your Bank Leverage Fintech? By Amy J. Tawney and Sandra M. Murphy, Bowles Rice LLP 14 Let’s Talk About Firewalls By Trista Cline, Arnett Carbis Toothman LLP 20 Collateral Concerns: Common Interest Ownership Communities By Matthew Kingery, Lewis & Glasser PLLC 22 Bond Market Behavior: Trusting the Fed on Inflation By Jeffrey F. Caughron, The Baker Group 24 Three Issues — and Opportunities — Facing Banks in the Post-Pandemic World By Nicholas P. Mooney II, Spilman Thomas & Battle PLLC 26 Opportunities in Partnership: Ways Community Banks Can Benefit from Today’s FinTechs By Brian Mullet, Bankers Healthcare Group 28 State Privacy Legislation: A Trend Worth Watching for Banks By Matthew Chase and Mark Mangano, Jackson Kelly PLLC 34 2021 Calendar of Events