INDEPENDENTBANKER.ORG My, how things have changed! ____________________________________ A 180-year tour of advancements in branch tech, payments and beyond + How to stop traffickers from exploiting your community bank The pros and cons of doing your own internal audit What exactly is encryption, and how does it work? NOVEMBER 2017http://www.qmags.com/clickthrough.asp?url=www.independentbanker.org&id=20402&adid=PCOVER1E1