4 THE BOTTOM LINE By Howard Headlee, President and CEO, Utah Bankers Association 5 WASHINGTON UPDATE Partners in the Fight Against Elder Abuse By Rob Nichols, President and CEO, American Bankers Association 6 115th Annual UBA Convention By Brian Comstock, Director of Marketing & Communications, Utah Bankers Association 8 Introducing the 2023- 2024 UBA Board of Directors 10 SBA 504 Loan Refinance Program: An Empowering Tool for Small Businesses Amid Rising Interest Rates and Economic Uncertainty By Chris Meyers, Chief Executive Officer, B:Side Capital 12 Dodd-Frank Section 1071 Objects In Mirror Are Closer Than They Appear By John Pace, CCRM, CrossCheck Compliance, LLC 14 THE EDULOGUE By Beth Parker, Director of Education, Utah Bankers Association 15 UBA Women in Banking Conference By Brian Comstock, Director of Marketing & Communications, Utah Bankers Association 16 CBA’s Johnson on the Causes and Aftermath of Recent Bank Failures By Rob Blackwell, Chief Content Officer, IntraFi 18 Is It Time to Hedge Interest Rate Risk With a Forward Rate Lock? By Jay Kenney, SVP and Southwest Regional Manager, PCBB 20 How a Community Shred-it® Event Can Help Protect Your Business and the Community 22 BANK KUDOS 24 Banks Should Leverage Customer Segmentation and Data to Meet Top Customers and Protect Deposits By Josh Hoppes, Director, West Monroe Partners, LLC 26 BANKERS ON THE MOVE 27 UBA ASSOCIATE MEMBERS 30 NEW ASSOCIATE MEMBERS Contents Utah Banker 3
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