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Archive for category: Products

Compliance, Products, Resources

Now Available On Demand: WBA Loan Documentation Webinar Series

WBA’s  Loan Documentation Webinar series, which was broadcast live on four dates in April, is now available on demand. The four-part series discusses unique customer due diligence scenarios, the impact of cross-collateralization clauses in loan documents on requirements under the Flood Disaster Protection Act and HMDA, and other business and ag-loan related topics, including nested entities and section 1071 considerations.

Loan officers, loan processors, loan administrative assistants, compliance officers, bank legal counsel, as well as those who are new to lending can benefit from viewing the comprehensive and informative on-demand webinar series.

Session 1:
WBA Fundamentals of Loan Documents
This webinar reviews in detail the importance of the many components of loan documents, and the significance of security interests and priorities in collateral.

Session 2:
WBA Introduction to Commercial Loan Documentation
For commercial loans, this webinar reviews proper documentation of a loan to a limited liability company and a loan to a sole proprietor, each with various types of collateral including business assets and equipment, life insurance, stock, brokerage accounts and a home. Guarantors will also be discussed.

Session 3:
WBA Introduction to Agricultural Loan Documentation
For agricultural loans, this webinar reviews proper documentation of a loan to an individual to buy a tractor and a loan to a married couple secured by all farm collateral where the loan is repaid from milk sales.

Session 4:
WBA Discussion of Miscellaneous Business and Ag Loan Considerations
This webinar reviews unique ag loan considerations such as statutory ag liens. It reviews proper documentation of such loans through an example of a loan to an individual to buy a tractor and a loan to a married couple secured by all farm collateral where the loan is repaid from milk sales.

Speakers: WBA Legal Department

On-Demand Access:
To purchase the on-demand webinar series contact: wbaeducation@wisbank.com

If you were a registered attendee for the live webinar series, you will have on-demand access to the recorded webinars through August. To access the on-demand sessions, log-in to the browser-based platform using prior emails from Sessions 1, 2, 3 or 4.  Look for the button which reads “Go to My Event” – you will then enter your name and the email address you used during registration process. You will receive a verification code to complete log-in. If you need assistance accessing the on-demand sessions, please feel free to contact: wbaeducation@wisbank.com

May 24, 2024/by Katie Reiser
https://www.wisbank.com/wp-content/uploads/2021/09/Triangle-Backgrounds_Blue-on-Lime-Green.jpg 972 1920 Katie Reiser https://www.wisbank.com/wp-content/uploads/2021/09/Wisconsin-Bankers-Association-logo.svg Katie Reiser2024-05-24 07:42:082024-05-24 16:19:53Now Available On Demand: WBA Loan Documentation Webinar Series
Advocacy, Community, Compliance, Education, Member News, News, Products, Resources

May/June 2024 Wisconsin Banker

Learn more about WBA’s Top Workplace recognition, Ryan Boebel, WBA’s 2024–2025 BOLT Section Chair, and banking in the age of generative AI.

Featured inside are the Chair’s Column by Donna Hoppenjan, current WBA chair and president and CEO of Mound City Bank, Platteville; the Community Advocate, Jeff Johnson, president and CEO of First National Bank of River Falls; and a recap from the 2024 Power of Community Week.

April 30, 2024/by Christian Heo
https://www.wisbank.com/wp-content/uploads/2021/09/Triangle-Backgrounds_Blue-on-Lime-Green.jpg 972 1920 Christian Heo https://www.wisbank.com/wp-content/uploads/2021/09/Wisconsin-Bankers-Association-logo.svg Christian Heo2024-04-30 15:37:062024-04-30 15:37:06May/June 2024 Wisconsin Banker
FinTech Showcase attendees
Education, News, Products, Resources

FinTech Showcase Brings Insights on Leading-Edge Solutions

Charles Potts, ICBA

On April 15, 2024, bankers and FinTech vendors came together for WBA’s second annual FinTech Showcase. The full-day event opened with a keynote session on harnessing the power of artificial intelligence (AI) by Charles Potts, EVP and chief innovation officer at ICBA. Potts covered three important aspects of preparing for an AI-driven future:

  • Invest in Training: upskill employees to work alongside AI tools.
  • Collaborate with Tech Firms: Partner with AI innovators for best solutions.
  • Stay Updated: Keep abreast of the latest AI trends and technologies.

“I now use ChatGPT more than I use Google Search.” – Charles Potts

Throughout the day, attendees had the opportunity to watch eight live FinTech demonstrations (20 minutes each) and network with other bankers and over a dozen FinTech providers in the Showcase Hall. A variety of vendors presented live demonstrations of their products and services:

Brandon Ragan, Alkami; and Cyrene Wilke, Horicon Bank

Alkami Technology, Inc. is a leading cloud-based digital banking solutions provider for financial institutions in the United States that enables clients to grow confidently, adapt quickly, and build thriving digital communities. Alkami helps clients transform through retail and business banking, digital account opening, treasury management, data analytics, and marketing solutions.

Eisley Nkwonta, Array US, Inc.

Array is a leading financial innovation platform that helps financial institutions get compelling consumer products and features to market quickly. Our table stakes products include credit monitoring and identity protection features that improve financial literacy, increase digital engagement with customers, and provide non-interest income opportunities. Banks also have access to Array’s Offers Engine which unlocks hyper-targeted marketing for credit products.

Dave Mancl, Wisconsin Department of Financial Institutions; and Joe Saari, ELEVATE Wisconsin

ELEVATE Wisconsin® is a financial wellness program that provides interactive, effective, unbiased online instruction in personal finance and investing fundamentals designed to enhance the lives of Wisconsin employees and their families. This program was created through public-private collaboration with the Department of Financial Institutions, the Governor’s Council on Financial Literacy, the University of Wisconsin-Madison, and iGrad/Enrich Financial Wellness to help empower and improve the financial literacy of Wisconsinites.

Rahul Rao, EngageGPS

EngageGPS by Customarkable, LLC is a transformative customer engagement and growth platform for community banks that redefines how the financial institution connects with its customers. It’s the next-gen of relationship management solutions that until now has only been available to large regional and national banks.

Lori Shao, Finli, Inc.

Finli helps community banks grow business deposits, attract, retain, and deepen relationships with business customers, and compete effectively against NeoBanks, FinTechs, and large banks. We offer an embedded and turnkey comprehensive digital back office for micro, small, and mid-sized businesses offered through community banks.

Amber Robinson and Kim Snyder, KlariVis

KlariVis is the only cloud-based, core-agnostic enterprise dashboard and data analytics platform built for bankers, by bankers. KlariVis helps your entire organization see data clearly, empowering you, your team, and your customers to live and work better.

Paul Lehnert, Lenderful Solutions

Home Equity Turbo by Lenderful Solutions allows a lender to process and close a loan in two days. The solution has built-in automation tools, including AVM, Credit Pull (soft or tri), VOI, VOE, VOA, ID verification, property reports, insurance quotes, and underwriting summaries.

Scott Earwood, White Clay

White Clay is a software solution that helps you build great relationships, know what they are worth, and see them in an actionable dashboard so your bankers can make smarter decisions to drive better returns.

To find additional FinTech providers and other companies that cater to Wisconsin’s banking industry, please visit the WBA Associate Member Directory.

April 15, 2024/by Cassandra Krause
https://www.wisbank.com/wp-content/uploads/2024/04/IMG_5743-scaled.jpg 1707 2560 Cassandra Krause https://www.wisbank.com/wp-content/uploads/2021/09/Wisconsin-Bankers-Association-logo.svg Cassandra Krause2024-04-15 14:30:442024-04-15 14:30:44FinTech Showcase Brings Insights on Leading-Edge Solutions
Advocacy, Community, Compliance, Education, Member News, News, Products, Resources

March/April 2024 Wisconsin Banker

Learn more about the oldest operating banks in Wisconsin, how to make the most of your bank’s benefits with WBA, and opportunities to advocate for your industry this spring.

Featured inside are the chair’s column by Donna Hoppenjan, current WBA chair and president and CEO of Mound City Bank, Platteville; the Community Advocate, Eric Glewen, Oostburg State Bank President and CEO; and a recap from the 2024 Bank Executives Conference.

February 27, 2024/by Christian Heo
https://www.wisbank.com/wp-content/uploads/2021/09/Triangle-Backgrounds_Yellow-on-Light-Blue.jpg 972 1921 Christian Heo https://www.wisbank.com/wp-content/uploads/2021/09/Wisconsin-Bankers-Association-logo.svg Christian Heo2024-02-27 15:52:242024-02-27 16:03:34March/April 2024 Wisconsin Banker
Advocacy, Community, Compliance, Education, Member News, News, Products, Resources

January/February 2024 Wisconsin Banker

Learn more about ways to inspire your team in 2024, programs for the Wisconsin Bankers Foundation, and the results of WBA’s Bank Holiday Closure survey.

Featured inside are the chair’s column by Donna Hoppenjan, current WBA chair and president and CEO of Mound City Bank, Platteville; the Community Advocate, Jerry Jacobson, president and CEO of Northwestern Bank, Chippewa Valley; and industry experts from throughout the state.

January 2, 2024/by Hannah Flanders
https://www.wisbank.com/wp-content/uploads/2021/09/Untitled-3_Blue.jpg 972 1920 Hannah Flanders https://www.wisbank.com/wp-content/uploads/2021/09/Wisconsin-Bankers-Association-logo.svg Hannah Flanders2024-01-02 07:00:262023-12-28 14:32:08January/February 2024 Wisconsin Banker
Businesswoman with smartphone using application
News, Products

The Rise of Instant Payments

The Federal Reserve Launches FedNow® Service

By Hannah Flanders

In 2022, research by the Pew Research Center found that over 75% of U.S. adults have utilized PayPal, Venmo, Zelle, or Cash App at least once to send and receive payments. Of these users, ease is cited as the main reason for their adoption.

As banks look to further engage their customers, remain competitive in a quickly advancing society, and provide a safe and trusted alternative to popular payment apps, the Federal Reserve has launched its long-awaited FedNow instant payment service.

What is FedNow?

Launched in July 2023, FedNow allows financial institutions of all sizes to provide safe and efficient instant payment services to customers nationwide. Already, over 100 financial institutions across the U.S. have begun offering FedNow to customers. Of these institutions, First Citizens State Bank in Whitewater is currently one of the few in Wisconsin.

“As early adopters of the service, our team believes that FedNow, and other real-time payment systems, are the future of payments,” states Nate Parrish, First Citizens State Bank president. “We want to ensure our bank is on the cutting edge and not left behind when this technology really takes off.”

The release of the FedNow Service includes baseline functionality including core clearing and settlement capabilities. Currently, FedNow not only facilitates the peerto- peer (P2P) functionalities many customers are familiar with, but also has the capabilities to facilitate payments between businesses or between businesses and consumers. Further developments are expected to launch in phases as industry demand evolves.

FedNow, however, is not the first service to provide real-time payments to banks. In 2017, The Clearing House launched its Real Time Payments® (RTP) service to all federally insured U.S. depository institutions. As of mid-2023, over 350 banks and credit unions were listed as participants in RTP.

With several banks in Wisconsin signed on as RTP participants, the most significant difference bankers will notice with FedNow is the development of a new rail. The rail, which runs concurrent to already existing credit card and Automated Clearing House (ACH) payment rails, is overseen by the Federal Reserve Bank. Additionally, beginning in 2024, certified institutions will pay a monthly participation fee of $25. On the customer end, varying transaction limits (only $500,000 for Fed- Now) and clearing times occurring in just a matter of seconds may be the most obvious difference.

“‘Instant’ is the next modernization of ‘faster’ in the payments landscape,” says Julie Redfern, chief banking officer at Lake Ridge Bank in Monona. “Services such as Fedwire and FedACH, which are only available during certain windows, will always have a place. Fed- Now is the next step in remaining competitive and providing our customers the services they expect.”

For banks in deposit-gathering mode, the implementation of Fed- Now will help increase cash flow by allowing customers to move funds directly from one bank account to another, rather than storing funds within third-party apps. These capabilities to move money instantly can be found on the certified bank’s website or mobile app.

Getting Started

Unlike previous real-time systems, FedNow is generally seen as more accessible to mid-size and smaller banks. In this, smaller banks utilizing FedNow will now have the ability to access real-time payments without having to pay their larger competitors for the service.

Both First Citizens State Bank and Lake Ridge Bank, which is currently in the implementation process, are connecting to FedNow’s receiving rail (i.e., the bank cannot initiate customer payments) via integration of their core system. However, participation in the FedNow service is flexible, meaning that banks may opt to both send and receive payments, support liquidity management transfers, or access settlement services between correspondents and respondents. Additionally, banks may also choose to connect to the rail network through partnership with a FinTech company.

“FedNow has been slow out of the gate mainly due to bottlenecking on the core’s end,” says Redfern. “If an institution is considering going through a Fin- Tech, it’s important to make sure that they are already Fed approved rather than having to face additional delays.”

Parrish also emphasized the importance of getting ahead of the instant payment movement. “Especially with core providers being slow to adopt the idea of instantaneous movement, it may take several years for interested institutions to get on the rail. Even if 900 institutions are able to join in the next year, it could still take another nine or 10 years before FedNow is fully implemented across the country.”

To begin the process of implementation, banks are encouraged to consider their overarching payments plan and examine their operating processes to determine if the institution has the capabilities to support real-time payments. This process may require meeting with third party service providers or enhancing in-house technology.

From there, banks must undergo onboarding and testing. Certification, according to the Fed, is the final stage which entails the completion of an operational readiness test and network experience checklist. The Independent Community Bankers of America (ICBA) has emphasized that this process is not meant to be difficult, but rather to ensure that institutions are prepared to support instant payments.

The Future of FedNow

With just over 100 providers across the U.S. connected to FedNow’s rail as of October 2023, the main issue currently certified institutions are facing is the lack of transactions.

“Aside from conducting P2P payments, many customers are not entirely aware of the possibilities of FedNow,” says Parrish. “As bankers, it is our role to help inform our customers and small business clients of the possibilities of instant payments. From payroll to recurring bill payments or emergency disbursements, the ability to immediately move money will impact the way many operate.”

Though the Fed expects usage to increase as more institutions go live, banks that have incorporated FedNow into their payment offerings play an important role in emphasizing the key use cases and sharing with customers the possibilities of real-time payments.

Parrish also adds that the prospect of conducting Government-to- Consumer (G2C), Customer-to-Government (C2G), and Business-to-Government (B2G) payments on FedNow to be a significant factor as to why banks should become participants. Already, the U.S. Department of the Treasury’s Bureau of the Fiscal Service is ready with instant payment capabilities via FedNow.

Of course, as fraud continues to evolve, especially as increasingly more services become digitalized, risk mitigation and security is a significant consideration for many banks. While many theorize that the use of FedNow’s instant payment service will significantly cut down the number of uninsured, fraudulent payments that occur on third party apps as well as reduce check fraud scams across the country, it is vital that participating institutions have up-to-date strategies and procedures to mitigate risk.

Through FedNow, key risk management and information security solutions, such as accepting payments without posting, the ability to request more information from the sending or receiving institution, data encryption and tokenization, as well as several authentication and authorization measures, are available to participants. These tools, too, are expected to evolve and expand as the service grows. However, as the first line of defense against fraud, the Fed emphasizes that all participating institutions ensure that their overall fraud management strategy is consistent with the evolving payments landscape, communicated with vendors and customers, and regularly reviewed.

As ‘instant’ becomes the status quo for payments, FedNow can help drive commerce in new sectors, increase cash flow throughout communities, and offer financial institutions of all sizes innovative solutions to meeting the ever-evolving expectations of customers. To learn more about FedNow, and what its services may offer your bank and its customers, please visit frbservices.org/financial-services/fednow.

November 7, 2023/by Hannah Flanders
https://www.wisbank.com/wp-content/uploads/2023/11/Phone-scaled.jpeg 1548 2560 Hannah Flanders https://www.wisbank.com/wp-content/uploads/2021/09/Wisconsin-Bankers-Association-logo.svg Hannah Flanders2023-11-07 16:21:552023-11-07 16:21:55The Rise of Instant Payments
Advocacy, Community, Compliance, Education, Member News, News, Products, Resources

November/December 2023 Wisconsin Banker

Learn more about what ag bankers are expecting in the new year, upcoming WBA events, and how your bank can make an impact with WBA’s advocacy initiatives.

Featured inside are the chair’s column by Donna Hoppenjan, current WBA chair and president and CEO of Mound City Bank, Platteville; Loni Meiborg, senior vice president – organizational development at Fortifi Bank in Berlin; and the Community Advocate, Steve Ploetz, president of Bank of Prairie du Sac.

October 27, 2023/by Hannah Flanders
https://www.wisbank.com/wp-content/uploads/2021/09/Untitled-3_Blue.jpg 972 1920 Hannah Flanders https://www.wisbank.com/wp-content/uploads/2021/09/Wisconsin-Bankers-Association-logo.svg Hannah Flanders2023-10-27 08:04:202023-10-27 08:04:20November/December 2023 Wisconsin Banker
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News, Products, Resources

Executive Letter: Protecting Your Bank from a Cyberattack

By Rose Oswald Poels

Cyberattacks are becoming an increasingly alarming trend and it is vital that bankers in Wisconsin remain vigilant in safeguarding their institutions and the personal financial information of their customers. In 2022, global cyberattacks increased by 38% when compared to the year prior, notes a study conducted by Check Point Research. These attacks, which target both individuals and businesses worldwide, include phishing, ransomware, breaches, and vulnerability exploitation. Each year, cybercrime costs the U.S. economy billions of dollars.

Despite this, there are many ways in which banks are able to mitigate these risks if an attack occurs.

Continually monitoring, updating, and testing your systems are all key to ensuring that your people and environments are not vulnerable. In an ever-changing digital and banking world, it may be difficult to know what areas need to be addressed, but it does not have to be. As always, WBA and its subsidiaries — FIPCO and Midwest Bankers Insurance Services (MBIS) — offer many different resources for banks to help educate your employees, protect your systems, and partner with you during a cyber event.

To proactively identify vulnerabilities of critical aspects of business operation, FIPCO offers an IT Audit & Security service. This service, which includes various tests, audits, and resources, keeps your institution one step ahead to mitigate high-risk areas before it is too late.

Right behind robust firewalls, up-to-date antivirus software, and other initiatives to mitigate cyberthreats, are your employees. Ensuring all team members feel empowered to assist in cyber risk reduction efforts should be a significant aspect of an institution’s risk mitigation strategy. Annually, WBA offers a number of security and IT-focused educational opportunities, a best practices library featuring an extensive list of security and financial crimes resources, as well as a technology and operations peer group to help in facilitating discussion and idea sharing.

Ensuring that all team members are set up with strong, unique passwords may also be the difference between a secure organization and a vulnerable one. These passwords, according to the National Institute of Standards and Technology (NIST), should be more than 12 characters long and include mixed casing and numbers. Multifactor Authentication (MFA) is also strongly recommended for bank leaders and administrators, if not every member of the team.

Having comprehensive insurance coverage is also crucial in the event of an attack. MBIS offers an extensive list of insurance coverages, including cyber liability. This policy is designed to protect directors, officers, employees, and entities from losses arising out of electronic theft of customer information, including cyber extortion, forensic expense, security breach notification, e-commerce activity, and electronic publishing. The insurance carriers for cyber liability policies also provide extensive resources that MBIS recommends be immediately engaged in the event of any cyberattack, including phishing incidents and ransomware attacks. Additionally, FIPCO’s Loan Processing Central service provides a resource you can retain ahead of time to immediately step in if a bank experiences a disaster, including a cyberattack, or an unplanned employee absence, to help continue the processing of your loan documentation.

Whether your bank is recovering from a cyber incident or mitigating the chances of one, our team is here to ensure your bank is well-prepared and equipped to navigate the complex and stressful landscape of cybersecurity challenges. If you are interested in learning more about the protections WBA can help you implement at your bank, please contact Rob Foxx (FIPCO) at rfoxx@fipco.com or Jeff Otteson (MBIS) at jeffo@mbisllc.com.

October 11, 2023/by Hannah Flanders
https://www.wisbank.com/wp-content/uploads/2023/10/Cybersecurity.jpg 562 1000 Hannah Flanders https://www.wisbank.com/wp-content/uploads/2021/09/Wisconsin-Bankers-Association-logo.svg Hannah Flanders2023-10-11 14:16:592023-10-11 14:16:59Executive Letter: Protecting Your Bank from a Cyberattack
Community, News, Products

Executive Letter: The Federal Reserve’s FedNow® Service Offers New Payment Options

By Rose Oswald Poels

As you have likely seen, the Federal Reserve’s FedNow® Service is now live, having initially launched in late July with baseline functionality to support account-to-account transfers and bill pay. Through the service, financial institutions are able to instantly transfer money for customers any time of the day and any day of the year, adding greater flexibility for customers.

For those who are not yet familiar with the new service, FedNow Service is the Federal Reserve’s new instant payment infrastructure that allows financial institutions of any size to provide safe and efficient payment services. Customers can send and receive instant payments; recipients have full access to funds immediately. The following is a standard payment flow example from the FedNow Service:

  1. A sender (i.e., an individual or business) initiates a payment by sending a payment message to its Financial Institution (FI) through an end-user interface outside the FedNow Service. The sender’s FI is responsible for screening the payment according to its internal processes and requirements.
  2. The sender’s FI, or its service provider, submits a payment message to the FedNow Service.
  3. The FedNow Service validates the payment message, for example, by verifying that it meets message format specifications.
  4. The FedNow Service sends the contents of the payment message to the receiver’s FI to seek confirmation that it intends to accept the payment message. At this point, the receiver’s FI has the opportunity to confirm, among other things, that it maintains the specified account.
  5. The receiver’s FI sends a positive response to the FedNow Service, confirming that it intends to accept the payment message. Steps 4 and 5 are intended to reduce the number of misdirected payments and resulting exception cases that can occur in high-volume systems.
  6. The FedNow Service debits and credits the designated master accounts of the sender’s and receiver’s FI (or those of their correspondents), respectively.
  7. The FedNow Service sends a payment message forward to the receiver’s FI with an advice of credit and sends an acknowledgement to the sender’s FI that settlement is complete.
  8. Outside of the FedNow Service, the receiver’s FI credits the receiver’s account.* The receiver’s FI makes funds available to the receiver immediately after step 7. This crediting to the receiver’s account as well as the debiting of the sender’s account by their respective financial institutions happens outside the FedNow Service.*

*The FedNow Service processes payments around the clock, every day of the year. However, for accounting and reporting purposes, the FedNow cycle date differs from the calendar date for a period of time (from close until midnight) because it aligns with the Fedwire® Funds Service business day, which generally has a closing time of 7:00:59 p.m. ET. If the Fedwire Funds Service business day is extended, the FedNow cycle date extends along with it. For consistency, the FedNow Service aligns to the same timeframe for weekends and holidays.

For financial institutions that elect to be a receive-only participant, the institution is able to receive customer payments, but may not initiate customer payments, except to return payments using the service. Alternatively, a financial institution may elect to be able to send and receive customer transfers. A financial institution could also elect to participate in the FedNow Service to receive requests for payment via the FedNow Service.

The FedNow Service will also support transfers between participating financial institutions, either on behalf of their respondents or for their own internal purposes. This type of transfer includes settlement services.

In trying to identify future educational offerings and other resources for the WBA membership, I ask that bankers please complete the following short survey regarding use or non-use of the new service. Results will be kept confidential.

Take the Survey

Additional FedNow® Service Resources

  • FedNow® 101: What to Know Now About FedNow Webinar (September 5, 1:30–2:30 p.m.)
  • Banks Advised to Gear up Now for 2023 Launch of FedNow Instant Payments, Article by Paul Gores
  • Federal Reserve FedNow® Service Resource Webpage
August 30, 2023/by Hannah Flanders
https://www.wisbank.com/wp-content/uploads/2021/09/Untitled-3_Yellow.jpg 972 1920 Hannah Flanders https://www.wisbank.com/wp-content/uploads/2021/09/Wisconsin-Bankers-Association-logo.svg Hannah Flanders2023-08-30 13:39:522023-08-31 09:03:16Executive Letter: The Federal Reserve’s FedNow® Service Offers New Payment Options
Advocacy, Community, Compliance, Education, Member News, News, Products, Resources

September/October 2023 Wisconsin Banker

Learn more about how Wisconsin’s 2023–2025 Budget will impact banks across the state, upcoming WBA events, and serving Amish/Mennonite communities.

Featured inside are the chair’s column by Donna Hoppenjan, current WBA chair and president and CEO of Mound City Bank, Platteville; Lauren Moran, marketing director at Wolf River Community Bank in Greenville; and the Community Advocate, Craig Stuedemann, president and CEO of AbbyBank in Abbotsford.

August 30, 2023/by Hannah Flanders
https://www.wisbank.com/wp-content/uploads/2021/09/Triangle-Backgrounds_Blue-on-Lime-Green.jpg 972 1920 Hannah Flanders https://www.wisbank.com/wp-content/uploads/2021/09/Wisconsin-Bankers-Association-logo.svg Hannah Flanders2023-08-30 10:58:442023-08-30 10:59:08September/October 2023 Wisconsin Banker
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