TABLE of CONTENTS 4 The Bottom Line By Howard Headlee, President and CEO, Utah Bankers Association WASHINGTON UPDATE 5 Cutting Through the Noise — And the Regulatory Red Tape By Rob Nichols, President and CEO, American Bankers Association 6 117th Annual UBA Convention Recap By Brian Comstock, Director of Communications & Marketing, Utah Bankers Association 8 Introducing the 2025-26 UBA Board of Directors 10 George Daines Honored with 2025 Distinguished Banker Award 10 2025 ABA Washington Summit Wrap-Up 11 UBA’s Women in Banking Conference Recap 12 The Growing Threat of AI-Driven Fraud and Deepfakes By Matt Jones, Compliance Advisor, Compliance Hub 14 8 Reasons Why Banks Should Go Bananas By Neal Reynolds, President, BankMarketingCenter.com 16 The SBA 504 Loan Program A Game-Changer for Small Business Growth By Caryl Eriksson, InterMountain Business Lending 18 Bank Kudos 22 Bankers on the Move 24 Welcome to Our New Associate Members! 25 UBA Associate Members Utah Banker 3
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