Pub. 11 2020 Issue 4 4 West Virginia Banker 26 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: Suddenly, Virtual Learning Became a Necessity By Sally Cline 8 community CORNER 10 Building Diversity, Equity and Inclusion in the Workplace By Ashley Hardesty Odell, Bowles Rice LLP 12 Fighting Margin Compression in Today’s Rate Environment By Dale Sheller, The Baker Group 14 Ransomware — Additional Risks for Banks By Mark Mangano, Jackson Kelly PLLC 16 Navigating the Pandemic — Where To From Here? By Gary Shook, Community Bankers’ Bank 18 Avoiding CCPA Debt Collection Traps — A Periodic Reminder By Russell Jessee and Sarah Ellis, Steptoe & Johnson PLLC 22 Strategic Transactions With Outstanding PPP Loan and EIDL Obligations By Matthew Kingery, Lewis Glasser PLLC 26 Six Ways the COVID-19 Pandemic Has Changed the Delivery of Financial Services By Nicholas P. Mooney II and Angela L. Beblo, Spilman Thomas & Battle 30 Cloud Computing: Security Considerations By Chris Joseph, Arnett Carbis Toothman 34 Calendar of Events