Pub. 6 2017-2018 Issue 2

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  F A L L 2 0 1 7 CONTENTS: •3 Dutiful Service •5 Returns, Really?Why Net Yields Have Disappeared •6 WhyWe Must Embrace Change •8 Is That Person Your ‘Friend?’ Best Practices for Staying Ahead of Social Media Scams •9 Client Alert: Take Advantage of the Right to Cure Defense Available in Claims Under the West Virginia Consumer Credit Protection Act •11 Examining BondPortfolioTrends: ThirdQuarter 2017 •14 De-MystifyingNISTSP800-171 •15 PCBBAnnouncesComprehensiveCECL Solution for Financial Institutions •17 3 Key Strategies for Acquiring and Retaining Millennial Customers •18 BSA/AML Model Validation: How To Know If Your Model Is Producing Garbage Or Gold •19 Proposed Regulatory Updates Will Require IncreasedAnalysis of NewLoans toDetermine if Different RiskWeight Exposures Apply •20 Christensen Elected to Governance Framework Formation Team •22 FASB Makes The Right Call •23 By The Numbers: Local Administrator Rights •24 Leadership Banker Development Group, Advanced Directors College &CEODirectors Conference Highlights •26 Featured AssociateMember •27 FeaturedMember Bank •28 BankMember News •29 UpcomingWebinars •30 Super Star Associates •31 10Minutes withMatt Stickel