Pub. 11 2020 Issue 3 4 West Virginia Banker 20 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. 6 ©2020 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 A Message From the Chief Executive: The Association’s New Retirement Solution By Sally Cline 8 Meet Your Chairman — George Ford, The Grant County Bank 10 community Corner 12 Last Call for LIBOR By Lester Murray, The Baker Group 14 Addition by Subtraction: Thoughts for Creating Non-Dilutive Capital By Scott Hildenbrand and Matthew Forgotson, Piper Sandler 18 Commercial Real Estate Will Recover By Matthew Kingery, Lewis Glasser 20 Enter Sandbox: West Virginia Adopts Innovative FinTech Regulatory Sandbox Program By Randall L. Saunders, Esq. and Jonah D. Samples, Esq., Nelson Mullins Riley & Scarborough LLP 24 Sorry, Wrong Number: Another Federal Court Holds that Callers are Subject to TCPA Liability if They Intend to Make Automated Calls to a Consenting Customer, but Instead Call Someone Else By Wesley A. Shumway , Spilman Thomas & Battle Edited by Nicholas P. Mooney II 28 Limiting Liability: Handling Accommodation Requests Related to COVID-19 By Julie A. Moore, Bowles Rice 32 COVID-19 Impact on Information Security Increase in Cyber Events and Attempts By Chris Joseph, Arnett Carbis Toothman 34 Calendar of Events