Pub. 11 2020 Issue 3

A Message From the Chief Executive: The Association's New Retirement Solution 6
Meet Your Chairman- George Ford, The Grant County Bank 8
community Corner 10
Last Call for LIBOR 12
Addition by Subtraction: Thoughts for Creating Non-Dilutive Capital 14
Commercial Real Estate Will Recover 18
Enter Sandbox: West Virginia Adopts Innovative FinTech Regulatory Sandbox Program 20
Sorry, Wrong Number: Another Federal Court Holds that Callers aare Subject to TCPA Liability if They Intend to Make Automated Calls to a Consenting Customer, but Instead Call Someone Else 24
Limiting Liability: Handling Accommodation Requests Related to COVID-19 28
Calendar of Events 34
Advertiser Index 34
Arnett Carbis Toothman 35
ATM Solutions 26
Baker Group 2
Bankers Healthcare Group 17
Bankers Bank of Kentucky 9
Bowles Rice 3
Deluxe 5
Greenbrier 31
S.R. Snodgrass 30
Spilman Thomas & Battle 36
Suttle & Stalnaker 7
WVBA Insurance Group 23
YHB 27
Zeno, Pockl, Lilly and Copeland 22