Howard M. Headlee President & CEO howard@utah.bank Sara Matute Executive Vice President sara@utah.bank UBA STAFF ©2026 Utah Bankers Association (UBA) | MBR Connect, formerly The newsLINK Group LLC. All rights reserved. Utah Banker is published four times per year and is the official publication for this association. The information contained in this publication is intended to provide general information for review, consideration and education. 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 circumstances. The statements and opinions expressed in this publication are those of the individual authors and do not necessarily represent the views of UBA, 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 service advertised. Utah Banker is a collective work, and as such, some articles are submitted by authors who are independent of UBA. While a first-print policy is encouraged, 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. Beth Parker Director of Education beth@utah.bank Brian Comstock Director of Communications & Marketing brian@utah.bank Jackson Last Deputy Chief of Staff jackson@utah.bank Spring Labs 4551 Glencoe Ave., Ste. 330 Marina Del Ray, CA 90292 Nate Schmitt (310) 484-6928 nate@springlabs.com www.springlabs.com SpringTide Ventures 50 W. Broadway, Ste. 333, PMB 32923 Salt Lake City, UT 84101 Austin Walters (801) 822-2544 austin@springtide.com www.springtide.com Stablecore PO Box 190829 Dallas, TX 75219 Alex Treece (469) 269-2648 sales@stablecore.com stablecore.com StrategyCorps 100 Westwood Pl., Ste. 400 Brentwood, TN 37027 Jack Enger (425) 941 8817 jack.enger@strategycorps.com strategycorps.com Tag Systems USA Inc. 2252 S. Presidents Dr. West Valley City, UT 84120 Thomas Grouard (518) 450-9644 tgrouard@tagsystems.net tagsystems.net TCA Compliance 2021 Midwest Rd., Ste. 200 Oak Brook, IL 60523 Michelle Strickland (219) 707-7725 m_strickland@tcaregs.com www.tcaregs.com Tech Legion PO Box 51521 Provo, UT 84065 Lee Weech (801) 935-9923 lweech@techlegion.com techlegion.com The Baker Group 2975 W. Executive Pkwy., Ste. 139 Lehi, UT 84043 Brian Bates (800) 937-2257 bbates@gobaker.com www.gobaker.com Unitas Financial Services 6543 Commerce Pkwy., Ste. M Dublin, OH 43017 Brian Ruhe (740) 967-1131 brian.ruhe@unitas360.com www.unitas360.com Upgrade Inc. 275 Battery St., Ste. 2300 San Francisco, CA 94111 Nik Vukovich (415) 940-7688 nvukovich@upgrade.com www.upgrade.com/institutions Vericast 15955 La Cantera Pkwy. San Antonio, TX 78256 www.vericast.com West Gate Bank Correspondent Mortgage Services 6003 Old Cheney Rd. Lincoln, NE 68506 Clay Blank (402) 853-7026 cblank@westgate.bank tpo.westgate.mortgage Zest AI 3900 W. Alameda Ave., 16th Fl. Burbank, CA 91505 David Odell (617) 633-3284 dho@zest.ai zest.ai Zions Correspondent Banking Group 310 S. Main St., Ste. 1400 Salt Lake City, UT 84101 Phil Diederich (801) 844-7853 phillip.diederich@zionsbancorp.com www.zionscbg.com UBA ASSOCIATE MEMBERS Utah Banker 23
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