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

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