In this issue of Community Banker, we answer your questions about employees using cell phones at work, the basics on loans and flood insurance for commercial lenders, required wording for a representative payee for a SSI beneficiary account, and deposits into an account by an authorized signer.

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The Community Banker is prepared by attorneys at Olson & Burns P.C. to provide information pertaining to legal developments affecting the field of banking. In order to accomplish this objective, we welcome any comments our readers have regarding the content and format of this publication. Please address your comments to