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C O N T E N T S

VACB EXECUTIVE

COMMITTEE

CHAIRMAN

Jeff Dick

President & CEO

MainStreet Bank

CHAIRMAN ELECT

John Caldwell

President & CEO

The Farmers Bank of

Appomattox

IMMEDIATE PAST

CHAIRMAN

Joseph A. Shearin

President & CEO

EVB

ICBA STATE DIRECTOR

Samuel L. Neese

Highlands Union Bank

Abingdon

PRESIDENT & CEO

Steve Yeakel, CAE

VACB

Richmond

VACB BOARD OF

DIRECTORS

Bob Buchanan

First Sentinel Bank

Richlands

Hunt Burke

Burke & Herbert Bank

Alexandria

Robert Buzzo

First Community Bank

Bluefield

Mike Ewing

Oak View National Bank

Warrenton

Alice Frazier

Cardinal Bank

McLean

Roger Gillispie

Virginia Bank & Trust Co.

Danville

Randy Greene

Bank of Lancaster

Kilmarnock

Mark Hanna

Virginia Company Bank

Newport News

Lloyd Harrison

Virginia Partners Bank

Fredericksburg

Scott Harvard

First Bank

Strasburg

Herb Marth

Central Virginia Bank

Powhatan

Preston Moore

Virginia Community Bank

Louisa

Tom Winfree

Village Bank

Midlothian

VACB STAFF

Steve Yeakel, CAE

President & CEO

Katharine Garner, CMP

Vice President Education

& Communications

Kelli Mallinger

Director Member Services

© 2014 Virginia Association of Community Banks | The newsLINK Group, LLC. All rights reserved.

The Community Banker

is published four times each year byThe newsLINK Group, LLC for the Virginia Association of Com-

munity Banks 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 Virginia Association of Community Banks, its board of directors, or the publisher. Likewise, the appearance of advertisements within this publication does not

constitute an endorsement or recommendation of any product or serviced advertised.

The Community Banker

is a collective work and as such some articles are submitted by authors that are independent of the Virginia Association

of Community Banks. While

The Community 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.

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8

14

20

6

Chairman’s Message

6

President’s Message

8

What’s A Banker To Do?

Where Private Employee Bankruptcy Protection

and the NewMortgage Rules Collide

12

Banking: No Place for Wimps

14

Bankcard Chargebacks: Rules, Rights,

Obligations, And Risks

16

Why Traditional Strategic Planning

Methods May Be Harming Your Bank

I8

Bank Bytes: Social Media Risk Management Program

20

Counselor’s Corner: The Affordable Care Act:

“ObamaCare” Delayed Again