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