When the founders of UBB gathered together in 1975, they faced a serious threat. New branching laws meant that the major systems banks were invading their hometowns, competing for their best retail and commercial customers. As one founder so eloquently put it at the time, "we were doing business with the enemy!" WE WERE DOING BUSINESS WITH THE ENEMY! A new correspondent bank was needed that would be owned and managed by community banks, and would focus only on their best interests. Their vision: level the competitive playing field with systems banks by providing community banks with a full range of innovative correspondent services secure in the knowledge that nobody would ever come after their customers.