16 CONTENTS ©2022 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 Association Focus By Sally Cline, President and CEO, WVBA 8 Meet Your Chairman Jim King, Bank of Monroe 12 The 128th Annual WVBankers Convention Recap 14 Thank You to Our Sponsors 16 Cybersecurity Is Everyone’s Responsibility By Nicholas P. Mooney II and Alexander L. Turner, Spilman Thomas & Battle, PLLC 18 Will the Federal Reserve Sell MBS? By Andrea F. Pringle, The Baker Group 21 West Virginia Shortens Tax Sale Redemption Periods By Amy J. Tawney and Sandra M. Murphy, Bowles Rice 24 The Battle for Deposits is Heating Up: Are You Ready By Achim Griesel and Dr. Sean Payant, Haberfeld 28 NSF Fees: Prepare for a new regulatory focus By Mark Mangano, Jackson Kelly, PLLC 30 Advertiser Index 28 wvbankers.org 4 West Virginia Banker
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