How to reach customers with disabilities Both online and in branch Partners in ag lending Why community banks are there for farmers FALL LEGISLATIVE OUTLOOK PAGE 40 SEPTEMBER 2022 independentbanker.org ICBA National Community Bank Service Awards 2022 Hawaii's helping hands Ann Teranishi of Exceptional award winner American Savings Bank on kahiau: giving without expecting anything back REGTECH AND RISK PAGE 32 Plus: Emerging winner First Community Bank of the Heartland PAGE 42http://www.independentbanker.org