Pub. 4 2015-2016 Issue 4

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 P R I NG 2 0 1 6 CONTENTS: • 4 It’s Been a Pleasure to Serve as Your President • 6 Fine Points: Of Unicorns and Rainbows • 7 Protect or Pay: Cybersecurity in the Age of Ransomware • 8 Client Alert: Data Breach and Data Theft: Some Risks May Be Closer Than You Think • 10 It’s Time to Adapt to the Digital Payments Landscape • 12 SBA’s Certified Development Company 504 • 14 Start Profitable Relationships By Offering Products People Recognize • 15 ICBAWashington Policy Summit • 18 By the Numbers: Significant Changes to Financial Reporting of Leases •20 Dollars and (Common) Sense – Community Bank Corporate Governance • 22 Cybersecurity Issues: Past, Present, and Future • 24 Feature Member Bank • 26 Feature Associate Members • 28 Bank Member News • 30 Upcoming Webinars • 30 CBWV 2016 Spring Directors College

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