Pub 11 2023 Issue 2

The Bottom Line	4
Washington Update: Partners in the Fight Against Elder Abuse	5
115th Annual UBA Convention	6
Introducing the 2023-2024 UBA Board of Directors	8
SBA 504 LOAN REFINANCE PROGRAM: An Empowering Tool for Small Businesses Amid Rising Interest Rates and Economic Uncertainty	10
DODD-FRANK SECTION 1071 Objects In Mirror Are Closer Than They Appear	12
The Edulogue	14
UBA WOMEN IN BANKING CONFERENCE	15
CBA’S JOHNSON ON THE CAUSES AND AFTERMATH OF RECENT BANK FAILURES	16
IS IT TIME TO HEDGE INTEREST RATE RISK WITH A FORWARD RATE LOCK?	18
HOW A COMMUNITY SHRED-IT® EVENT CAN HELP PROTECT YOUR BUSINESS AND THE COMMUNITY	20
BANK KUDOS	22
BANKS SHOULD LEVERAGE CUSTOMER SEGMENTATION AND DATA TO MEET TOP CUSTOMERS AND PROTECT DEPOSITS	24
Bankers on the Move	26
UBA Associate Members	27
New Associate Members	30

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