PUB. 18 2021 ISSUE 3

Table of Contents	4
President's Message: It's That Time of Year Again	6
Executive Vice President's Message: Important Congressional and State Legislative Issues	8
Washington Update: Banking On Inclusion: America’s Banks Embrace Bank On Movement	12
Recognizing the Value of Incentive Compensation Plans	14
The New Mexico Bankers Association 109th Annual Convention	16
America’s Higher Education Conundrum	18
One Step Closer to Instant Payments with the FedNow Pilot Program	20
What a Small Town Taught Me About Artificial Intelligence	22
Digital Acceleration of Business Payments	24
Bank News	26

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