OCTOBERőî CURRENCIES Clinton Savings Bank holds fundraiser to benefi t NEADY Cats Q ICBA names NextGen Scholarship Award recipients Q Good Reads: The dangers of megabanks Q History Lesson: The story of paper money Q The Ledger: Data breaches in the U.S. Q The banking industry in Michigan Q What community bankers are posting about 80 CONNECTIONS 70 Trailblazer Anderson Brothers Bank uses a 21st-century approach to provide timeless customer service 74 Community Spirit 1st State Bank builds connections with young local professionals through its award program PORTFOLIO 18 A way through for mortgage lenders? How recent changes under DoddFrank aff ect community banks in the mortgage market 15 IN EVERY ISSUE 7 Flourish 9 From the Top 80 Out of Offi ce 22 Innovation Station ICBA's Kevin Tweddle on which technology community banks should invest in 24 Diving into wealth management services Three community banks share how they've successfully implemented wealth management services 29 Leading by Example ICBA's Chris Lorence shares how you can develop a positive response to change 30 How to keep ACH fraud away from your bank The best defense against payments fraud is prevention 32 Faster payments prepares for the next step It's time for community banks to take a closer look at real-time payments 35 What is GDPR, and why should you care? GDPR is an ocean away, but could it still aff ect your community bank and its customers? 38 Portfolio Management ICBA's Jim Reber on the foundation for a solid deposit strategy 29 2 Q ICBA Independent Banker Q October 2018 40 Checks and Balances ICBA's Chris Cole on proposals to ease megabank capital standards 70 Connect with ICBA facebook.com/icbaorg @icba linkedin.com/company/icba youtube.com/user/ communitybankchannel 76 Call to Action A timeline of ICBA's S.2155 advocacy, step by stephttp://www.facebook.com/icbaorg http://www.linkedin.com/company/icba http://www.youtube.com/user/