Pub. 7 2016 Issue 3

www.wvbankers.org 4 West Virginia Banker 25 18 © 2016 West Virginia Bankers Association The newsLINK Group, LLC. All rights reserved. West Virginia Banker is published four times each year by The newsLINK Group, LLC for the West Virginia Bankers As- sociation and is the official publication for this association. The information contained in this publication is intended to provide general information for review and consideration. The contents do not constitute legal advice and should not be relied on as such. If you need legal advice or assistance, it is strongly recommended that you contact an attorney as to your specific circumstances. The statements and opinions expressed in this publication are those of the individual authors and do not necessarily represent the views of the West Virginia Bankers Association, its board of directors, or the publisher. Likewise, the appear- ance of advertisements within this publication does not constitute an endorsement or recommendation of any product or serviced advertised. West Virginia Banker is a collective work and as such some articles are submitted by authors that are independent of the West Virginia Bankers Association. While West Virginia Banker encourages a first print policy, in cases where this is not possible, every effort has been made to comply with any known reprint guidelines or restrictions. Content may not be reproduced or reprinted without prior written permission. For further information, please contact the publisher at: 855-747-4003. 6 Financial Assistance for West Virginia Flood Disaster Victims By Sally Cline, President & CEO 8 GR / PR It’s All About Relationships By Loren Allen, General Counsel and Government Relations Director 9 Meet Your Chairman Randy Snider 10 Asset/Liability Management: Modeling the Dynamics of Liquidity By Jeffrey F. Caughron, The Baker Group LP 12 Whistleblower Incentives and Confidentiality: Recent SEC Ruling Impacts Severance and Settlement Agreements By Pamela Ferrell, Bowles Rice LLP 13 High Performance in a Prolonged Low Interest Rate Environment By Bryan Edmundson, Duncan-Williams, Inc. 18 Digital Currencies and Blockchain Technology Threaten to Disrupt Traditional Banking Services By Nicholas P. Mooney II, Spilman Thomas & Battle 20 Virtualization Benefits, Risks and Controls By Trista Cline, Arnett Carbis Toothman LLP 22 2016 WVBA Convention 25 Take Steps in Protecting and Physically Securing your Bank’s ATMs By Dirk Hanket, ABA Insurance Services 26 It’s Time to Adapt to the Digital Payments Landscape By Matt Herren, CSI 27 Take Another Look at Public Fund Deposits By Erich Buckenmaier, Promontory 28 Calendar of Events 30 Member Notes