Pub. 4 2015-2016 Issue 1

CONTENTS: • 4 Hello to All! • 6 Fine Points: Praise for Small Ball • 7 Client Alert: Timing of Notice is Key for Calculating Consumer’s Liability for Unauthorizated Funds Transfers Involving Loss of Theft of Access Devices • 8 Don’t Let a Typo Tuin Your Lien Part 2 • 11 Cybersecurity Assessment Tool • 12 This n’ That • 14 Thank You Sheet • 15 Serving First-Time Homebuyers is a Win-Win for Lenders and Their Communities • 16 How the Board can Manage Risks •17 Lender Service Providers and SBA • 20 The Old Switcheroo: Instead of Buying Bonds, Why Not Sell Loans? • 21 By the Numbers: What Does an Audit if Your Community Bank’s Financial Statements Really Entail? • 22 Mobile Fraud Alerts • 24 Feature Menber Banks •26 Feature Associate Members • 27 Associate Member News • 30 Webinars Summer 2015 OF F I C I A L PUB L I CA T I ON OF THE COMMUN I T Y B ANK E R S OF WE S T V I RG I N I A S UMME R 2 0 1 5

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