Pub. 16 2019 Issue 1

ISSUE 1 2019 PAGE 2 President’s Message – John S. Gulas Diversifying Our Most Important Asset – Rob Nichols PAGE 10 Good News for Banks: Congress Makes Way for Reciprocal Deposits – Chuck McBrayer PAGE 8 Photo Credit: Jim Renfrow PAGE 14 Why Boards & Management Should Care About Both Cybersecurity and IT Management Practices! – Mark Allers