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2021 BUSINESS PARTNER DIRECTORY
UBA Board of Directors 2021
CHAIR
Kristin B. Dittmer Jan M. Bergeson
EVP and CFO Utah Market Leader
EnerBank USA Ally Bank
Salt Lake City Sandy
VICE CHAIRMAN Robert M. Bowen
Eric Schmutz President and CEO
President and CEO Brighton Bank
State Bank of Southern Utah Salt Lake City
Cedar City
N. George Daines
2ND VICE CHAIRMAN Chairman and CEO
Matthew D. Bloye Cache Valley Bank
Region Bank President Logan
Wells Fargo
Salt Lake City Terry L. Grant
A Great Resource –
Utah Market President
IMMEDIATE PAST KeyBank
CHAIRMAN Salt Lake City
Kay B. Hall
EVP and CFO
Zions Bank
Salt Lake City
Kisty Morris
Executive Director
Morgan Stanley Bank
UBA Business Partners
Salt Lake City
COMMUNITY BANK
ADVISORY COUNCIL Andrea J. Moss
The UBA Business Partners are an invaluable resource for the UBA and its member
CHAIR President & CEO banks. Each year UBA Business Partners bring their very best people, products and
Len E. Williams Nelnet Bank
President and CEO South Jordan services to the member banks of the UBA. These companies are at the leading edge
Altabank of their business whether it is technology based, service based, or product based.
American Fork Wade L. Newman
President and COO Our Business Partners offer everything from accounting, correspondent banking,
INDUSTRIAL BANK Celtic Bank
ADVISORY COUNCIL Salt Lake City consulting, investment, legal, technology and any number of other bank related
CHAIR
Andrea J. Moss Mark Packard
products and services. Many of these companies have been Business Partners for
President & CEO President over 20 years and have supported the UBA, our member banks and Utah banking
Nelnet Bank Central Bank 3
South Jordan Provo in general through the good times and the bad.
REGIONAL BANK Mori Paulsen Considering the current state of our industry, we are seeing numerous new
ADVISORY COUNCIL Salt Lake Market President companies wanting to get involved with the UBA and bring their specialized
CHAIR Bank of America
Mark A. Herman Salt Lake City areas of expertise to our Utah Bankers. In turn, those that have been with us for
Market President
U.S. Bank Paul F. Thome
a long time are continually changing and keeping up with the times, whether it’s
Salt Lake City President updating current products and services or adding new lines of business.
Sallie Mae Bank
PRESIDENT Salt Lake City Not only do they bring those top of the line products and services, but they also
Howard M. Headlee
President Brittany A. Westover help by sponsoring UBA conferences, seminars and other events. Without those
Utah Bankers Association Market Executive, Executive sponsorship dollars we would be limited in the scope of what we could bring to
Salt Lake City Director JPMorgan Chase
Salt Lake City you, our member banks. It is a combination of those sponsorship dollars and your
BOARD MEMBERS
Brad R. Baldwin Drew Yergensen
attendance that allow us to continue to bring you the very best and most up to
President & CEO KeyBank date educational opportunities.
First Utah Bank Utah Market President
Salt Lake City Salt Lake City, UT They all have one purpose and that is to bring the absolute best products and services
to our Utah member banks and to support our local banking industry.
Please take time to look through this guide, and when you are looking for bank
solutions, please reference this guide and those members who truly care about banking
UBA Staff in Utah and are proud to be Business Partners of the Utah Bankers Association.
Howard M. Headlee Sara Matute
President Office Administrator Sincerely,
howard@utah.bank sara@utah.bank
Howard Headlee, President
Becky Wilkes Annelise Dudley Utah Bankers Association
Senior Vice President Communications Specialist
bwilkes@utah.bank anna@utah.bank
Beth Parker
Director of Education
beth@utah.bank Disclaimer: The publication of advertisements does not necessarily represent endorsement of those products or services
by the UBA or the Utah Banker Magazine. With the exception of official announcements, the UBA disclaims responsibility
for the opinions expressed and statements made herein. The editors reserve the right to refuse any advertisement or
editorial copy deemed to be unsuitable for publication.
UTAH BANKERS ASSOCIATION
MISSION STATEMENT The Utah Bankers Association is a financial services trade association comprised of Regional, Community, and Industrial Banks. The Association’s mission is to: • Promote a favorable image and understanding of the banking industry to the general public and maintain the public confidence in the strength and security of Utah’s financial service industry. • Protect the industry against legislation or regulation that could result in undue or burdensome oversight or competitive disadvantage. • Provide (i) membership with assistance and resources designed to improve operational efficiency and profitability and (ii) a forum for open communication between providers of financial services in Utah.
Accountants/CPAs Compliance/Audits IT
BKD CPAs & Advisors�������������������������������������� Page 6 Compliance Alliance, Inc.��������������������������������� Page 11 Executech���������������������������������������������������������Page 17
Eide Bailly LLP������������������������������������������������� Page 6 CrossCheck Compliance���������������������������������� Page 11
Moss Adams��������������������������������������������������� Page 6 RSM US LLP���������������������������������������������������� Page 11 Job Board
PwC���������������������������������������������������������������� Page 6 BankTalentHQ����������������������������������������������������Page 17
RSM US LLP.���������������������������������������������������� Page 6 Core/Data Processing
BMA���������������������������������������������������������������� Page 11
Lending Partners
Simpson & Company, CPAs����������������������������� Page 7 BancAlliance�����������������������������������������������������Page 17
Tanner, LLC������������������������������������������������������ Page 7 Finastra������������������������������������������������������������ Page 11
Bell Bank����������������������������������������������������������Page 17
WSRP, LLC������������������������������������������������������� Page 7 FPS GOLD�������������������������������������������������������� Page 12
Federal Home Loan Bank of Des Moines������������Page 18
Kadince, Inc.���������������������������������������������������� Page 12
Lendio Utah������������������������������������������������������Page 18
Asset/Real Estate Management SPARK������������������������������������������������������������� Page 12
Mountain West Small Business Finance�������������Page 18
BancAlliance���������������������������������������������������� Page 7 Rocky Mountain CRC����������������������������������������Page 18
Cherrywood Enterprises, LLC��������������������������� Page 7 Correspondent Services
Bankers' Bank of the West�������������������������������� Page 12 Upgrade, Inc.����������������������������������������������������Page 18
Utah Center for Neighborhood Stabilization������� Page 7 Utah Center for Neighborhood Stabilization��������Page 18
Bell Bank��������������������������������������������������������� Page 12
Utah Housing Corporation���������������������������������Page 18
Attorneys/Law Firms GPS Capital Markets, Inc.��������������������������������� Page 12
Dorsey & Whitney LLP������������������������������������� Page 7 PCBB��������������������������������������������������������������� Page 14 Loan Services
Holland & Hart, LLP.����������������������������������������� Page 8 Zions Correspondent Banking Group����������������� Page 14 Bankers Healthcare Group���������������������������������Page 18
Jones Waldo���������������������������������������������������� Page 8 Bell Bank����������������������������������������������������������Page 20
Kirton McConkie���������������������������������������������� Page 8 CRA Services
Parsons Behle & Latimer���������������������������������� Page 8 Kadince, Inc.���������������������������������������������������� Page 14 Management Consultants
Ray Quinney & Nebeker P.C.����������������������������� Page 8 Rocky Mountain CRC��������������������������������������� Page 14 Cherrywood Enterprises, LLC.���������������������������Page 20
Scalley Reading Bates Utah Center for Neighborhood Stablilization������ Page 14
Hansen & Rasmussen�������������������������������������� Page 9
Marketing Solutions
Cybersecurity Bank Marketing Center��������������������������������������Page 20
Snell & Wilmer, LLP����������������������������������������� Page 9 Executech�������������������������������������������������������� Page 14 Harland Clarke��������������������������������������������������Page 20
Bank Advisory Services Document Shredding Merchant Services
FinPro, Inc.������������������������������������������������������ Page 9 Shred-it������������������������������������������������������������ Page 14 Select Bankcard������������������������������������������������Page 20
Bank Building Construction Due Diligence Mergers and Acquisitions
CoFi���������........................................................Page 9 CrossCheck Compliance���������������������������������� Page 15 Stephens Inc.����������������������������������������������������Page 21
Bank/Office Supplies Education Peer Analysis
Office Depot����������������������������������������������������� Page 9 OnCourse Learning������������������������������������������ Page 15 Bank Trends������������������������������������������������������Page 21
Clear Core LLC.�������������������������������������������������Page 21
Brokerage Services Flood 5
GPS Capital Markets, Inc.��������������������������������� Page 10 LERETA, LLC��������������������������������������������������� Page 15 Printing
Lendio Utah����������������������������������������������������� Page 10 Office Depot������������������������������������������������������Page 21
Furniture and Fixtures
Business Intelligence Office Depot����������������������������������������������������� Page 15 Quality Control
Clear Core, LLC������������������������������������������������ Page 10 CrossCheck Compliance�����������������������������������Page 21
Insurance
Capital Partners ABA Insurance Services Inc����������������������������� Page 16 Software Providers
GPS Capital Markets, Inc.��������������������������������� Page 10 KeyState Captive Management, LLC����������������� Page 16 Clear Core LLC.�������������������������������������������������Page 21
IntraFi Network������������������������������������������������ Page 10 Newcleus, LLC������������������������������������������������� Page 16 CoFi������������������������������������������������������������������Page 22
Lendio Utah����������������������������������������������������� Page 10 Unitas Financial Services���������������������������������� Page 16 Kadince, Inc.�����������������������������������������������������Page 22
Stephens Inc.��������������������������������������������������� Page 10 SPARK��������������������������������������������������������������Page 22
Interest Rate Risk Management vCom����������������������������������������������������������������Page 22
Card Services PCBB��������������������������������������������������������������� Page 16
Discover® Debit���������������������������������������������� Page 10 The Baker Group���������������������������������������������� Page 16 Wholesale Function & Treasury Services
PULSE®, a Discover Company������������������������ Page 10 GPS Capital Markets, Inc.����������������������������������Page 22
Investment Services
BancAlliance���������������������������������������������������� Page 17
Check Printing
D.A. Davidson & Co����������������������������������������� Page 17
Harland Clarke������������������������������������������������� Page 11
Newcleus, LLC������������������������������������������������� Page 17
Collections Piper Sandler Companies��������������������������������� Page 17
Cherrywood Enterprises, LLC.�������������������������� Page 11
UTAH BANKERS ASSOCIATION
analysis, and assistance and fraud
Accountants/ investigation. Eide Bailly is ranked
CPAs as one of the 25 largest CPA firms
Associate Members by Category
in the nation. The regional CPA
and business advisory firm offers
a team of professionals who work PwC
specifically with clients in the 201 S. Main St., Ste. 900
financial institutions’ industry. Salt Lake City, UT 84111
What inspires you, inspires us. (435) 850-9797
eidebailly.com/fi. Ryan Dent
BKD CPAs & Advisors ryan.j.dent@pwc.com
510 S. 200 W., Ste. 200
Salt Lake City, UT 84101
PwC is the leading provider of
(303) 861-4545
audit, tax and advisory services
Bud Hollenkamp
to financial services companies.
bhollenkamp@bkd.com Moss Adams The breadth and depth of our
601 W. Riverside Ave., Ste. 1800 experience in the financial
BKD offers an array of services — Spokane, WA 99201 services and banking industry
including audit and tax, internal (509) 747-2600 covers the areas most relevant
audit, regulatory compliance, Mike Thronson to your business, including
loan review, CECL consulting, mike.thronson@mossadams.com technical accounting, regulatory,
cybersecurity, M&A consulting, compliance, risk management,
and strategic planning. BKD The Moss Adams LLP Financial outsourcing, securities processing,
helps institutions like yours Institutions Group serves more payments, information risk and
manage risk, keep compliant than 500 banks, thrifts, mortgage security, data quality, mergers
and reach shareholder goals. companies, and other financial and acquisitions, tax and other
Our professionals serve as entities, including more than 40 services. Our local financial
exhibitors, sponsors and speakers publicly held institutions. With services practice provides these
in the industry’s most significant over 150 skilled individuals services to many of the top
associations. In the heavily firm-wide who dedicate virtually banking institutions in Utah.
regulated banking industry, leaders all of their public accounting We help our clients navigate the
face more challenges than ever, careers to financial institutions, transformation of the financial
including managing shareholder we can provide resources to help services industry by rethinking
and regulatory expectations, you compete more effectively. business strategies, evaluating risk
6 protecting against cyberattacks, Our practice serves organizations and compliance and implementing
and staying competitive. That’s ranging in size from startups to smart solutions that work.
why financial institutions across those with greater than $23 billion
the country are turning to BKD in assets and we have experience
for in-depth expertise on the latest dealing with all stages of the
trends, concerns and opportunities. growth cycle, including de novo,
Combine our hometown service mergers and acquisitions, public
with the resources of a national markets and SEC reporting, and RSM US LLP
firm and you’ll begin to understand mutual stock conversions. Founded 515 S. Flower St., 17th Fl.
why BKD is the trusted adviser in 1913 and headquartered in Los Angeles, CA 90071
your institution has been seeking. Seattle, Moss Adams is the 11th (213) 330-4668
largest accounting and consulting Dan Shumovich
firm in the United States, and the dan.shumovich@rsmus.com
largest headquartered in the West.
We aim to make a measurable RSM’s purpose is to deliver the
difference in our clients’ businesses power of being understood to our
by delivering industry-specific clients, colleagues and communities
insight, accessible and proactive through world-class audit, tax and
Eide Bailly LLP service, and strong relationships consulting services focused on
5 Triad Center, Ste. 600 built on candor and trust.
Salt Lake City, UT 84121
(888) 777-2015
Gary Smith
gsmith@eidebailly.com
As CPAs and business advisers,
Eide Bailly serves banks by
providing tax and assurance
services, internal audits,
compliance consulting and loan
review services, technology
examination services, strategic
planning, bank stock valuations,
bank merger & acquisition
middle market businesses. The
clients we serve are the engine of
global commerce and economic
growth, and we are focused on
developing leading professionals
and services to meet their evolving
needs in today’s ever-changing Utah Center for
business environment. RSM US Neighborhood Stabilization
LLP is the U.S. member of RSM 6880 S. 700 W., 2nd Fl.
International, a global network Midvale, UT 84047
of independent audit, tax and (801) 316-9112
consulting firms with more than Daniel J. Adams
43,000 people in more than 120 dan@utcns.com
countries. For more information,
visit rsmus.com, like us on UCNS stabilizes neighborhoods
Facebook, follow us on Twitter through its subsidiary
and/or connect with us organizations by providing single
on LinkedIn. emphasis on maintaining a healthy and multi-family affordable
a PCAOB independent registered
financial position. housing, neighborhood
public accounting firm and a
revitalization, transit-oriented
member of the Allinial Global
development, and small business
Network. Our purpose is to serve.
lending and investing.
Each day, we will make a positive Asset/
impact in the lives of all those Real Estate
with whom we interact.
Management Attorneys/Law
Simpson & Company, Firms
CPAs
5353 S. 960 E., Ste. 102
Salt Lake City, UT 84117
(801) 484-5206 BancAlliance
Kenneth Simpson 4445 Willard Ave., Ste. 1100
krsimpson@simpson-co.com Chevy Chase, MD 20815 Dorsey & Whitney LLP
(301) 232-5423 111 S. Main St., 21st Fl.
Simpson & Company has been Brendan Hart Salt Lake City, UT 84111
a leader in service to community bhart@alliancepartners.com (801) 933-7365 7
WSRP, LLC Steven Waterman
banks in the intermountain 155 N. 400 W., Ste. 400
area for over 40 years. We offer BankAlliance provides waterman.steven@dorsey.com
Salt Lake City, UT 84014 community banks with efficient
a wide range of services in (801) 931-3822
auditing, accounting, taxation, access to lending services available Dorsey & Whitney provides
Bruce Gulso only through membership. Join
and consulting. We provide legal representation in all
bgulso@wsrp.com 260+ banks nationwide in the
quality service at a competitive aspects of commercial banking
and predictable cost. At our benefits of the network: Grow with specific experience in all
At WSRP, we help clients address and diversify your loan portfolios;
firm, you deal directly with an types of lending, litigation,
their financial reporting, tax maintain and grow your customer
experienced partner. bankruptcy and receiverships,
strategies, and provide advisory base; participate in engaging mergers and acquisitions, and
support to help them evaluate training; and receive efficient and regulatory matters. Founded
opportunities and overcome regulatory support. in 1912 at the request of a
obstacles that may arise. Our bank, Dorsey has a century of
professionals collaborate with service in the financial services
our clients’ executive teams to
Tanner, LLC industry. Dorsey represents lead
36 S. State St., Ste. 600 help work toward maximizing arrangers, administrative agents,
Salt Lake City, UT 84111 the value of their companies. We lending banks and borrowers in
develop deep relationships and
(801) 532-7444
proactively help manage client
Cherrywood Enterprises, syndicated, club and single-bank
Mark Erickson LLC credit transactions. The firm
merickson@tannerco.com growth by developing an intricate also represents banks in out-of-
knowledge of their business. 6901 Okeechobee Blvd., #D5-l2
West Palm Beach, FL 33411 court workouts, receiverships,
Tanner is a regional, Utah- WSRP is one of the largest bankruptcy and financial
(561) 508-7650
based CPA firm that provides independent CPA firms in Utah. restructurings. Its experience
Craig Geisler
a full spectrum of services. Our clients range from startup includes representing underwriters
cgeisler@cherrywoodenterprises.com
Representative specialties include entities to large corporations, and issuers in high yield and Rule
audit and transaction consulting, including publicity traded entities. 144A transactions. In addition,
Cherrywood Enterprises is a
tax planning and consulting, Our clients have a common need Dorsey advises national banks,
buyer of charged-off debt files.
leadership development and for support that provides credible multi-bank holding companies,
We purchase charged-off credit
succession, strategic planning, opinions, accurate accounting, regional banks, and foreign banks
cards, consumer loans, overdraft
SOC examination services, detailed financial data, proactive on regulatory matters. Dorsey
accounts, commercial loans, and
and IT security. Tanner serves tax strategies, and fresh ideas that attorneys have experience before
even judgments!
a variety of leading financial maximize benefits. Our team helps regulatory bodies, including
institutions and clients in the clients take a comprehensive look the Board of Governors of the
Intermountain Region. Tanner is at their overall operations, with an Continued on page 8
UTAH BANKERS ASSOCIATION
Continued from page 7
Federal Reserve System, U.S. law firm. In addition to being
Treasury Department (including the largest Utah-based law firm,
the Office of the Comptroller Kirton McConkie Parsons Behle & Latimer is one of
of the Currency, the Office of 50 E. South Temple the oldest and best-known firms in
Foreign Assets Control and the Salt Lake City, UT 84111 the Intermountain Region, offering
Financial Crimes Enforcement Jones Waldo (801) 328-3600 litigation and business law services
Network), FDIC, SEC, FINRA, 170 S. Main St., Ste. 1500 Gary Winger since 1882. The firm offers the
NYSE, SIPC, and State Salt Lake City, UT 84101 gwinger@kmclaw.com resources and capabilities of a large
banking, insurance and securities (801) 534-7217 and diverse firm, coupled with the
regulators. Dorsey’s experience George Sutton Kirton McConkie is a full-service highest levels of accessibility and
extends to representing banks in gsutton@joneswaldo.com law firm successfully representing responsiveness. With more than
commercial litigation, including business, real estate, intellectual 150 attorneys, it brings a depth and
collections, foreclosures, class Founded in 1875, Jones Waldo has property, litigation, international, range of experience in the following
actions, and defense of lender assisted commercial clients in all technology, health care, major areas: Banking and Finance;
liability and consumer cases. aspects of business for more than construction, employment, tax Corporate Transactions and
Please visit dorsey.com for more a century. We are a full-service and estate planning clients. Our Securities; Chapter 11 Bankruptcy
information. law firm of more than 75 lawyers attorneys understand how clients and Restructuring; Energy;
committed to providing innovative think about their challenging Environmental and Natural
solutions to business problems. Our situations, and we strive to guide Resources; Cybersecurity and
firm comprises several interrelated clients through legal processes Data Privacy; Employment and
Holland & Hart, LLP practice areas, equipping us to while keeping business objectives Labor; Government Relations
222 S. Main St., Ste. 2200 assemble a customized legal team in mind. For this reason, clients and Lobbying; Health care;
Salt Lake City, UT 84101 to handle your most difficult from startups to multinational Intellectual Property; Litigation;
(801) 799-5935 challenges. Our specialists in companies have come to rely on Real Estate; and Tax law.
Timothy Crisp the various practice groups have our attorneys for their business Headquartered in Salt Lake City,
TSCrisp@hollandhart.com demonstrated a great ability to advice and legal acumen. Parsons Behle & Latimer has
develop a deep understanding of offices in Lehi, Boise, Idaho Falls,
Founded in 1947, Holland & our clients’ industries, which often Missoula, and Reno.
Hart is a full-service Am Law allows us to proactively anticipate parsonsbehle.com.
200 firm with offices in eight our clients’ needs before problems
states and Washington, D.C. develop. Jones Waldo is based in
We deliver integrated legal Salt Lake City, Utah, with offices
solutions to regional, national, and in Lehi and Park City, Utah, and
international clients of all sizes Chicago, Illinois. Parsons Behle & Latimer Ray Quinney & Nebeker
8 in diverse industries. For more 201 S. Main St., Ste. 1800 P.C.
information, visit hollandhart.com Salt Lake City, UT 84111 36 S. State St., Ste. 1400
or on Twitter: @HollandHart. (801) 536-6780 Salt Lake City, UT 84111
Gary E. Doctorman (801) 323-3373
GDoctorman@parsonsbehle.com Michael Mayfield
mmayfield@rqn.com
Parsons Behle & Latimer offers
national expertise in a regional Ray Quinney & Nebeker (RQN)
is a full-service law firm. With
skilled attorneys involved in over
40 specialized practice areas,
RQN is uniquely equipped
to handle nearly all areas of
personal, business, tax and
estate, commercial, consumer,
real estate, and litigation needs
of clients. RQN has one of the
largest and most sophisticated
banking and finance practices in
Utah. Our banking and finance
group has litigation, transactional,
and lending experience covering
commercial lending, asset-based
lending, commercial mortgage
lending, equipment finance,
equipment leasing, aviation finance,
syndications and participations,
loan sales, problem credit solutions
and collections, bankruptcy,
receiverships, regulatory issues,
lending compliance and many
related issues. RQN’s banking and
finance group takes a collaborative
approach to ensure that clients
receive the best service and to small businesses, individuals
solutions available. RQN lawyers and entrepreneurs throughout the
are personable, professional, and western United States. In addition,
problem solvers. Snell & Wilmer is a member of Lex
Mund, a leading association of the
world’s top 160 independent law
firms. Our attorneys are well-versed
in collaborating with local counsel
around the world through this
Scalley Reading Bates network to meet our clients’ needs.
Hansen & Rasmussen Clients and peers have recognized
15 W. South Temple, Ste. 600 Snell & Wilmer and its lawyers for
Salt Lake City, UT 84101 exceptional legal skills and ethical
(801) 531-7870 and exemplary business practices
Darwin Bingham with various distinguished awards.
dbingham@scalleyreading.net
Bank Advisory
Scalley Reading Bates Hansen &
Rasmussen, P.C. is a full-service
Services
law firm serving Utah businesses
for over 35 years. Lending
institutions represent the largest UBA Endorsed Vendor
single segment of our clients. Thus,
our attorneys are knowledgeable
and skilled in addressing all of the
specific needs of lenders. With
numerous laws enacted to protect
the borrower, a lender needs an FinPro, Inc.
experienced attorney who knows 158 Route 206
how to document transactions, for residential, commercial, contract delivery to catalogs and
Gladstone, NJ 7934 e-commerce. As an Office Depot
enforce loans, and protect the and SBA loans. Construction
(908) 234-9398 x102 customer, you will have access to
lender. Our firm has attorneys lending has remained mainly
Scott Polakoff Office Depot’s exclusive Business
specializing in: foreclosures, unchanged for decades and is ripe
spolakoff@finpro.us for the introduction of technology. Services Division website, strategic
creditor bankruptcy, debt 9
collection, loan documentation, Lenders large and small use paper- brand name partnerships, multi-
FinPro, Inc. is a full-service based systems, static spreadsheets, billion dollar buying power, and
modification agreements, management consulting firm
forbearance agreements, and more and more employees ease in economizing your bank’s
specializing in providing advisory to manage their construction operations. Enjoy customer service
compliance, and lender liability services to the financial institution
defense. Our firm is large enough portfolio. eDraw helps lenders from Office Depot unmatched
industry. FinPro is an industry connect with their borrowers, in the industry. Members
to handle complex commercial leader in strategic planning, board simplify the process, and scale interested in participating in
transactions and litigation, but retreat moderation, planning, their construction portfolio. this program can now sign-
small enough to respond effectively enterprise risk management, up at odams.officedepot.com/
to each lender’s specific needs. leadership and education, registrations/synergybai.php.
corporate governance, market Program Highlights: Up to
feasibility, de novo bank formation, Bank/Office 80% off MSLP on a core list of
asset/liability management, and Supplies 900+ frequently ordered, deeply
regulatory consulting, FinPro discounted products featuring
Snell & Wilmer, LLP also conducts M&A through its many high-use commodity
15 W. South Temple, Ste. 1200 wholly-owned subsidiary, FCA, as items. Your own customized
Salt Lake City, UT 84101 a FINRA registered broker/dealer. UBA Endorsed Vendor list of an additional 75 items
(801) 257-1954 will utilize the same steeply
Brian Cunningham discounted pricing matrix as
bcunningham@swlaw.com the core list. This additional
Bank Building 75 item list is where you would
Founded in 1938, Snell & Wilmer Construction want to include items specific
is a full-service business law to your organization, such as
firm with more than 450 lawyers Office Depot toner and inkjet cartridges. For
practicing from 15 locations, 9501 Amberglen Blvd., Ste. 200 miscellaneous items outside the
including Albuquerque, NM; Austin, TX 78729 core and custom-tailored list, you
Boise, ID; Denver, CO; Las CoFi (855) 337-6811 x12878 can choose any other product in
Vegas, NV; Los Angeles, CA; Los 395 S. Main St., #101 Issac Mares the Business Services Division
Cabos, Mexico; Orange County, American Fork, UT 84003 issac.mares@officedepot.com full line catalog at 10% off
CA; Phoenix, AZ; Portland, OR; (435) 557-0412 retail published prices (excludes
Reno, NV; Salt Lake City, UT; San Mike Lacey Office Depot, founded in 1986, technology products). Free
Diego, CA; Seattle, WA; Tucson, mike@trycofi.com is the world’s leading seller of delivery for orders over $50.00,
AZ; and Washington, DC. The office supplies and an industry and if placed by 4 p.m. local time,
firm represents clients ranging from eDraw automates and modernizes leader in every distribution orders are delivered the next day
large, publicly traded corporations the construction payment process channel — from retail stores and
Continued on page 10
UTAH BANKERS ASSOCIATION
Continued from page 9
in most markets by Office Depot for their customers, which helps to our M&A experience, we have
or UPS. Customers have access Business them attract and maintain lead-managed or co-managed
to the award-winning Business Intelligence valuable customer relationships, more than 72 equity and debt
Services Division website to place grow reciprocal deposits, offerings in the banking sector
orders, online catalogs, stock manage liquidity and generate since 2016, with a total offering
availability, order history, product fee income, diversify funding, value approaching $7.7 billion.
returns, and usage reports. We and reduce collateralization. We
provide the support of a local Clear Core, LLC work with the market leader
account manager responsible 9040 S. Rita Rd., Ste. 1270 to expand profitability and Card Services
for total account management Tucson, AZ 85747 increase franchise value. IntraFi
and customer satisfaction. In (520) 780-6417 Network’s innovative balance-
addition to office supplies, you’ll Buck Strasser sheet management solution
also receive discounts on office buck@clearcore.us — known as IntraFi Network UBA Endorsed Vendor
furniture, print/copy services, Deposits (formerly CDARS, ICS,
custom business forms, stationery Clear Core leverages cutting and IND deposit solutions) —
supplies, promotional products, edge artificial intelligence and empowers institutions to increase
lunchroom and janitorial data science to automate the data profitability, grow franchise value,
provisions, and a discount governance and data augmentation manage liquidity more effectively,
program for member employees. processes, thereby reducing and serve customers better. To
The Office Depot team will effort, cost, and fixing decades of learn more, visit IntraFi.com. Discover® Debit
provide you with ongoing creative insufficient data in real time. Clear 1301 Mckinney St., Ste. 2500
and innovative procurement Core makes data analysis and Houston, TX 77010
solutions by identifying quick answers to new questions (605) 336-3409
preferred products and process available to all. Mark Froemke
improvement opportunities. markfroemke@discover.com
Lendio Utah
Capital 1064 N. County Blvd., Ste. 100
Pleasant Grove, UT 84062
Discover® Debit offers banks
a compelling alternative in
Brokerage Partners (801) 900-6962 signature debit. With superior
Services Jason Kirkham economics, simplified rules and
jason.kirkham@lendiolocal.com fee transparency, a comprehensive
fraud mitigation program and
GPS Capital Markets, Inc. Lendio is a marketplace for stronger program flexibility,
10813 S. River Front Pkwy., business loans. Our network of Discover® Debit is a direct route to
10 GPS Capital Markets, Inc. Ste. 400 lenders fund all industries with a greater profitability.
10813 S. River Front Pkwy., South Jordan, UT 84095 variety of loan products including
Ste. 400 (801) 727-2130 lines of credit, short-term working
South Jordan, UT 84095 Randal Roberts capital, equipment financing,
(801) 727-2130 rroberts@gpsfx.com factoring, SBA, and term loans.
Randal Roberts
rroberts@gpsfx.com GPS Capital Markets is a leading
corporate foreign exchange PULSE®, a Discover
GPS Capital Markets is a leading brokerage firm. We have around Company
corporate foreign exchange the world, around-the-clock Stephens Inc. 1301 McKinney St., Ste. 600
brokerage firm. We have around FX services. 101 2nd St., Ste. 850 Houston, TX 77010
the world, around-the-clock San Francisco, CA 94105 (346) 204-6120
FX services. (415) 548-6912 Alia Garces
Steve Egli aliagarces@discover.com
UBA Endorsed Vendor steve.egli@stephens.com
As the only major EFT debit
Stephens Inc. is an investment network not owned by a
Lendio Utah banking adviser to a broad processor or acquirer, PULSE® is
1064 N. County Blvd., Ste. 100 spectrum of financial services empowered to serve our partners
Pleasant Grove, UT 84062 companies. Representative without compromise. And as a
(801) 900-6962 clients include: regional and subsidiary of Discover Financial
Jason Kirkham IntraFi Network various community banks Services, a direct banking and
jason.kirkham@lendiolocal.com 1300 17th St. N., Ste. 1800 and thrifts, consumer finance payment services company, we use
Arlington, VA 22209 companies, broker/dealers, our entire view of the industry to
Lendio is a marketplace for (727) 580-7623 wealth managers, insurance be a guiding force in providing
business loans. Our network of Bryan Harper brokers and underwriters, and insights and advocacy.
lenders fund all industries with bharper@promnetwork.com third-party administrators. The
various loan products including Financial Services Group serves
lines of credit, short-term working Promontory Interfinancial public and private companies in
capital, equipment financing, Network is now IntraFi Network. addition to private equity groups.
factoring, SBA, and term loans. Having built the largest bank Since January 1, 2016, Stephens
network of its kind, we’re a Inc. has advised on 67 M&A
trusted ally to community banks transactions in the banking
that never competes with banks sector with a total transaction
value of $12 billion. In additionsupport services exclusively to the International, a global network
Check Printing Compliance/ financial services industry. Since of independent audit, tax and
Audits our founding in 2008, we have consulting firms with more than
built a reputation for tailoring 43,000 people in more than 120
solutions that fit each client’s size, countries. For more information,
UBA Endorsed Vendor complexity and business needs. visit rsmus.com, like us on
UBA Endorsed Vendor Our experts adeptly identify the Facebook, follow us on Twitter and/
needs and challenges of our clients, or connect with us on LinkedIn.
having held similar positions
as compliance officers, internal
auditors, general counsel, outside
Core/Data
counsel, regulators, underwriters, Processing
and consultants. Our experienced
Harland Clarke and credentialed professionals
6343 Clay Park Dr. Compliance Alliance, Inc. have expertise in federal and
Murray, UT 84107 P.O. Box 162407 state financial regulations, as well
(801) 288-2133 Austin ,TX 78716 as certifications in accounting,
Michael Kelly (888) 353-3933 compliance, risk, internal audit, BMA
Michael.Kelly@harlandclarke.com Scott Daugherty fraud, underwriting, BSA/ 2151 S. 3600 W.
scott@compliancealliance.com AML and mortgage banking. Salt Lake City, UT 84119
Harland Clarke is a leading This means our clients receive (801) 887-0122
provider of customer engagement Owned by 30 State Bankers the highest level of professional Kevin Jones
solutions that help connect Associations, Compliance standards of knowledge and ethics. kevin.jones@bmabankingsystems.
businesses and people how, Alliance provides an all- We are also well-known for our com
when, and where it matters. The inclusive compliance solution for industry involvement with trade
company offers payment tools banks of all sizes. Membership associations serving on boards and BMA offers expert individualized
such as checks and cards; and offers three main areas of committees, presenting at industry software solutions to make
marketing services such as deposit support including downloadable events, and as published authors for your Financial Institution
and loan acquisition programs, documents, a compliance hotline key industry publications. successful. BMA is an innovative
digital marketing, performance and review services. Compliance leader in software technology
analytics and promotional Alliance members receive by providing outstanding IT,
products. It deploys these customer unlimited access to all products Custom Programming and Core
engagement solutions holistically and services for one annual fee. Processing Services. Whether
across print, phone, and digital Visit compliancealliance.com you have an existing bank, are
channels, ensuring customers of for more information about the creating a new bank, need custom
programming or IT services, we
11
its world-class client base enjoy a benefits of membership with RSM US LLP
consistently superior experience. Compliance Alliance. 515 S. Flower St., 17th Fl. can build our software to meet
Harland Clarke serves more Los Angeles, CA 90071 your specific needs. Our team is
than 43 million consumers and 6 (213) 330-4668 customer-centric; we put you first!
million small and medium-sized Dan Shumovich We’re focused on providing the
businesses per year through its dan.shumovich@rsmus.com ultimate customer care experience
relationships with more than 6,240 while delivering outstanding
of the nation’s leading financial RSM’s purpose is to deliver the products for over 30 years. Call to
institutions, large retailers, CrossCheck Compliance power of being understood to our schedule a discovery meeting or
affiliate marketing companies and 810 W. Washington Blvd. clients, colleagues and communities demonstration.
accounting software providers. Chicago, IL 60607 through world-class audit, tax
(262) 649-2258 and consulting services focused
Liza Warner on middle market businesses. The
lwarner@crosscheckcompliance.com clients we serve are the engine of
Collections global commerce and economic
CrossCheck Compliance, LLC, growth, and we are focused on Finastra
headquartered in Chicago, is developing leading professionals 744 Primera Blvd., Ste. 2000
a nationwide consulting firm and services to meet their evolving Lake Mary ,FL 32746
providing regulatory compliance, needs in today’s ever-changing (800) 989-9009
internal audit, fair lending, loan business environment. RSM US Michele Yurcich
Cherrywood Enterprises, review/due diligence and litigation Michele.yurcich@finastra.com
LLP is the U.S. member of RSM
LLC
6901 Okeechobee Blvd., #D5-l2 Community banks have particular
West Palm Beach, FL 33411 needs that Finastra is uniquely
(561) 508-7650 positioned to support. We have
Craig Geisler built our business by serving yours.
cgeisler@cherrywoodenterprises.com Finastra delivers the broadest
portfolio of financial services
Cherrywood Enterprises is a software in the world today,
buyer of charged-off debt files. including digital solutions, core
We purchase charged-off credit banking systems, lending and
cards, consumer loans, overdraft mortgage solutions. Our open
accounts, commercial loans, and platform brings parties together
even judgments!
Continued on page 12
UTAH BANKERS ASSOCIATIONContinued from page 11
to collaborate, innovate, and build community banks with high- nurturing relationships. Unlike
great customer experiences for quality, affordably priced a typical correspondent bank,
our 4,200+ clients in the North correspondent solutions and expert Bell’s focus is working as your
American Community Markets. customer service since 1980. partner. We have more significant
With Finastra, the future of SPARK Services include loan participation hold limits, so we won’t resell
finance is open. To discover all 801 Nicollet Mall for overline, share-the-risk, and your loan participation with us.
that we can offer your financial Minneapolis, MN 55402 concentration management; bank We also have a team dedicated to
institution, visit (612) 345-0683 stock and direct loans to banks; correspondent banking and credit
finastra.com/communitymarkets. J.D. Crouch and municipal leasing. We offer to provide flexible underwriting,
jd.crouch@lendwithspark.com professional safekeeping and competitive lending terms and
access to investment portfolio prices, fast decision-making,
For nearly a decade, SPARK has accounting services. Additionally, and consistent communication.
made the origination of SBA and we provide cash letter processing Having partnered with more
FPS GOLD non-SBA loans easier, more secure, and settlement services; agent-fed than 300 other independent
1525 W. 820 N. and more transparent for our clients funds and fed funds lines; wire community banks across 16 states,
Provo, UT 84601 and their customers. SPARK transfers; international services; we’ll help you enhance your
(801) 429-2126 digitizes the entire origination and certificates of deposit. Bank customer relationships through
Matt DeVisser process from initial lead capture to card products include ATM and our experience-based expertise
mattd@fps-gold.com funding and is fast becoming the debit card processing; merchant in participation loans, bank
industry standard for SBA lending. services and mobile payments stock and ownership loans, and
Since 1964, FPS GOLD has Banks, lender service providers and solutions; and credit, debit, and equipment financing. In providing
been an integral part of the other regulated institutions have prepaid cards. these services, we become your
computerized data processing used SPARK to originate and fund behind-the-scenes partner, helping
industry. We specialize in over $6 billion in loans, including you work in a larger relationship
helping banks gain an immediate 60,000 PPP loans. without threatening your
competitive advantage by providing relationship with your customer.
better banking services. These Bell Bank Call (701) 298-1500 to learn how.
services include a core and wire 2435 S. Honeysuckle Cir. Bell Bank, member FDIC.
system to help cut data processing Correspondent Mesa, AZ 85209
costs, add greater flexibility, Services (480) 259-8280
improve productivity, and integrate Tracy Peterson
all systems for better profitability tpeterson@bell.bank
management and reporting. We GPS Capital Markets, Inc.
know from experience that FPS Headquartered in Fargo, N.D., 10813 S. River Front Pkwy.,
12 GOLD’s products and services Bell Bank is one of the largest Ste. 400
will give your bank a competitive independently owned banks in South Jordan, UT 84095
advantage, one that will lead to the nation, with assets of more (801) 727-2130
profitability at a very fast pace. Bankers’ Bank of than $9 billion. As a privately Randal Roberts
We provide Core Processing, the West held company owned by several rroberts@gpsfx.com
Relationship Banking, General 1099 18th St., Ste. 2700 majority stockholders, about 140
Ledger, Deposit Platform, Loan Denver, CO 80202 additional stockholders, and Bell GPS Capital Markets is a
Origination, Internet Banking, (303) 313-8107 employees through an employee leading corporate foreign
Telephone Banking, Item & Karen Maydick stock ownership plan (ESOP), exchange brokerage firm. We
Payment Processing, Check kmaydick@bbwest.com we don’t have the pressure of have around the world, around-
Imaging, Customer Verification, next quarter’s earnings. Instead, the-clock FX services.
and Wire System. Bankers’ Bank of the West we focus on a healthy balance
(Member FDIC) has supported of profitability, growth and Continued on page 14
Kadince, Inc.
2485 Grant Ave., Ste. 300
Ogden, UT 84401
(801) 499-4393
Casey Elliott
casey@kadince.com
Managing, tracking, and reporting
on community involvement
is time-consuming. Kadince
streamlines community
involvement management for
financial institutions. With
Kadince, you will save time so
you can make a more significant
impact in your community.
Kadince can also streamline your
marketing approval management
and complaint management.Huge teams. Hidden costs. Everything on the meter. Sorry, that’s just not us. Our clients hire us to understand who they are and what they want, whether that’s leaner teams, transparent budgets or alternative fee arrangements. We continually monitor and evaluate their needs, anticipating the value they demand – delivering exceptional legal services the way they want it. Find out more at swlaw.com. Brian D. Cunningham | 801.257.1954 | bcunningham@swlaw.com Gateway Tower West | 15 West South Temple | Suite 1200 | Salt Lake City, UT 84101 Albuquerque | Boise | Denver | Las Vegas | Los Angeles | Los Cabos | Orange County Phoenix | Portland | Reno | Salt Lake City | San Diego | Seattle | Tucson | Washington, D.C.
Continued from page 12
private nonprofit supported by
Utah’s banking community. These Document
banks created RMCRC over 20 Shredding
years ago to increase access to
financing for housing in low- and
moderate-income communities.
With the support of its 30-member UBA Endorsed Vendor
bank network, RMCRC originates
and services commercial loans for
affordable housing and community
development. RMCRC provides
technical assistance, community
advocacy, and financial products
for both nonprofit and for-profit
developers and service providers.
offer many products and solutions RMCRC is certified as a CDFI. Shred-it
expanding on this great tradition, 205 Winchester Dr.
including Automated Fed Funds East Stroudsburg, PA 18301
Sweep, Foreign Exchange, Image (917) 528-7940
Clearing, Internet CD Auctions, Andrew Allu
PCBB Loan Generation and Acquisition, andrew.allu@stericycle.com
1676 N. California Blvd., Ste. 300 Fixed Income and Banking
Walnut Creek, CA 94596 Software. For more information Shred-it Document Destruction
(213) 247-5096 regarding the products and services Services can help you develop
Jay Kenney we offer, contact the Zions Bank and implement a cost-effective,
jkenney@pcbb.com Correspondent Banking Group at Utah Center for
secure and compliant document
1-800-737-6470. Neighborhood destruction solution. Shred-it
Founded by community bankers Stabilization security consultants will help you
in 1997, PCBB was created 6880 S. 700 W., 2nd Fl. establish a complete document
with the sole purpose of helping CRA Services Midvale, UT 84047 destruction program customized
community based financial (801) 316-9112 to your specific business needs
institutions become stronger. Our Daniel J. Adams — no matter the size of your
goal was to create an organization dan@utcns.com organization. Their AAA NAID
that could provide fellow bankers Certified Destruction solutions
14 with high-quality, competitively- UCNS stabilizes neighborhoods provide Secure mobile or offsite
priced correspondent banking Kadince, Inc. through its subsidiary document destruction Proof
solutions and personalized 2485 Grant Ave., Ste. 300 organizations by providing single of Service Tracking using Bar
service. PCBB provides a Ogden, UT 84401 and multi-family affordable Coding and Scanning Technology
comprehensive set of products and (801) 499-4393 housing, neighborhood to assure accuracy. Certificate
services covering multiple areas Casey Elliott revitalization, transit-oriented of Destruction for a legal audit
important to community banks, casey@kadince.com development, and small business trail (chain of custody) Flexible,
including correspondent and lending and investing. customized service options, 100%
commercial banking, hedging, Managing, tracking, and recycled document destruction,
and international banking. PCBB reporting on community and leading the industry in
also offers a variety of consulting involvement is time-consuming. Cybersecurity environmental sustainability. UBA
services ranging from asset Kadince streamlines community Program Highlights: reduce your
liability management, relationship involvement management for costs with our national account
profitability, loan reserve analysis, financial institutions. With pricing structure, Certified PCI
and stress testing. We designed Kadince, you will save time so you Compliant, and NAID AAA
our services to help you compete can make a more significant impact Executech Certified. Your due diligence
more effectively, but never to in your community. Kadince can 1314 W. 11400 S. has been done. We provide local
compete against you for your also streamline your marketing South Jordan, UT 84095 flexibility with organizational
customers. approval management and (385) 482-5847 scalability, onsite and offsite
complaint management. Jarom Plewe destruction options and superior
jarom.plewe@executech.com service quality by the most
customer-oriented vendor in
Executech is an award-winning, the industry. Streamline your
managed IT services provider. operations with an organization-
Zions Correspondent Executech provides enterprise- wide syndicated document
Banking Group quality IT support to small and destruction program and reduce
310 S. Main St., Ste. 1100 Rocky Mountain CRC medium-sized organizations your risk and document-related
Salt Lake City, UT 84101 64 E. Winchester St., Ste. 230 across the West. Its people define exposure to breaches and
(801) 844-7853 Salt Lake City, UT 84107 Executech and every client is compliance issues.
Phillip Diederich (801) 503-0547 supported by a team of professional
phillip.diederich@zionsbank.com David Watkins and friendly experts.
dwatkins@rmcrc.org
Since 1873, Zions Bank has been
a leader in community banking. Rocky Mountain Community
Today, nearly 140 years later, we Reinvestment Corporation is aLife-of-Loan flood services include
Due Diligence Education Flood monitoring and reporting ALL
changes in the flood hazard status
of the loan. Monthly flood hazard
UBA Endorsed Vendor reports tracking the flood hazard
UBA Endorsed Vendor
status of existing and acquired
loans is available.
CrossCheck Compliance
810 W. Washington Blvd.
Chicago ,IL 60607
(262) 649-2258
Liza Warner OnCourse Learning Furniture and
lwarner@crosscheckcompliance. P.O. Box 310 Fixtures
com Waunakee, WI 53597 LERETA, LLC
(800) 831-0678 1123 Park View Dr.
CrossCheck Compliance, LLC, Dan Heldmann Covina, CA 91724
headquartered in Chicago, is dheldmann@oncourselearning.com (626) 667-1506 UBA Endorsed Vendor
a nationwide consulting firm John Short
providing regulatory compliance, OnCourse Learning is a member jshort@lereta.com
internal audit, fair lending, loan of Adtalem Global Education
review/due diligence and litigation (NYSE: ATGE), a global LERETA provides real-time
support services exclusively to the education provider headquartered flood zone determination services
financial services industry. Since in the United States. It empowers that include flexible levels of
our founding in 2008, we have financial institutions to prepare service based on our customers’
built a reputation for tailoring their frontlines, compliance teams, needs, from simple delivery Office Depot
solutions that fit each client’s size, executive leadership, and board of flood zone determination 9501 Amberglen Blvd., Ste. 200
complexity and business needs. of directors with comprehensive to complete portfolio life-of- Austin, TX 78729
Our experts adeptly identify the enterprise compliance, risk loan tracking. Our innovative (855) 337-6811 x12878
needs and challenges of our clients, management and professional technologies and dedicated Issac Mares
having held similar positions development education that is team of real estate tax and flood issac.mares@officedepot.com
as compliance officers, internal effective and engaging. Over service professionals provide the
auditors, general counsel, outside 10,000 clients and partners have mortgage and insurance industries Office Depot, founded in 1986,
counsel, regulators, underwriters, adopted OnCourse Learning the fastest, most accurate and is the world’s leading seller of
and consultants. Our experienced solutions to efficiently manage complete access to property tax office supplies and an industry
and credentialed professionals complexity, change and growth. and flood information across leader in every distribution 15
have expertise in federal and Plus, throughout our 40+ year the country. LERETA’s Flood channel — from retail stores and
state financial regulations, as well history, we have trained over Service options include: Flood contract delivery to catalogs and
as certifications in accounting, 190,000 individuals with our Zone Certification — All flood e-commerce. As an Office Depot
compliance, risk, internal audit, NMLS-approved licensure certifications are determined using customer, you will have access to
fraud, underwriting, BSA/ and continuing education digital and hard copy FEMA Office Depot’s exclusive Business
AML and mortgage banking. courses. Learn more about Flood Insurance Rate Maps and Services Division website, strategic
This means our clients receive OnCourse Learning’s history: Flood Hazard Boundary Maps brand name partnerships, multi-
the highest level of professional oncourselearning.com/business/ in conjunction with geocoding billion dollar buying power, and
standards of knowledge and ethics. financial-services/bank/. software, street maps, tax maps, ease in economizing your bank’s
We are also well-known for our plats, and aerial and satellite operations. Enjoy customer service
industry involvement with trade photos. LERETA’s Flood Services from Office Depot unmatched
associations serving on boards and offer Basic Determination/ in the industry. Members
committees, presenting at industry Certification — One-time interested in participating in
events, and as published authors for certification satisfying Federal this program can now sign-
key industry publications. regulatory market requirements up at odams.officedepot.com/
at origination. HMDA/Census registrations/synergybai.php.
Tracking information is available Program Highlights: Up to
with each determination. 80% off MSLP on a core list of
Life-of-Loan Determination/ 900+ frequently ordered, deeply
Certification — The certification discounted products featuring
assures compliance with all many high-use commodity items.
Federal regulatory and secondary Your own customized list of an
market requirements and provides additional 75 items will utilize
the flood hazard status of the the same steeply discounted
property for the life of the loan. pricing matrix as the core list. This
Services include fast flood zone additional 75 item list is where
determination turn-around you would want to include items
times. Over 99% of our orders specific to your organization, such
are completed and delivered back as toner and inkjet cartridges.
in 24 hours; 89% are delivered For miscellaneous items outside
instantly. We provide accurate the core and custom-tailored
to-the-structure determinations; list, you can choose any other
easy, convenient access to instant product in the Business Services
certificates and borrower notices. Division full line catalog at 10% off
Continued on page 16
UTAH BANKERS ASSOCIATIONYou can also read
