Pub. 13 2016 Issue 1

O V E R A C E N T U R Y : B U I L D I N G B E T T E R B A N K S - H E L P I N G N E W M E X I C O R E A L I Z E D R E A M S 4 The NewMexico Bankers Association is proud to present THE NEW MEXICO BANKERS DIGEST as a benefit of membership in the Association. No member dues were used in the publishing of this news magazine. All publishing costs were borne by advertising sales. Purchase of any products or services from paid advertisements within this magazine are the sole responsibility of the consumer. The statements and opinions expressed herein are those of the individual authors and do not necessarily represent the views of NEWMEXICO BANKERS ASSOCIATION , or its publisher The newsLINK Group, LLC. Any legal advice should be regarded as general information. It is strongly recommended that one contact an attorney for counsel regarding specific circumstances. Likewise, the appearance of advertisers does not constitute an endorsement of the products or services featured by The newsLINK Group, LLC. Our Mission The mission of the New Mexico Bankers Association (NMBA) is to serve member bank needs by acting as New Mexico banking’s representative to government, the public, and the industry; pro- viding resources, education and information to enhance the opportunities for success in banking; promoting unity within the industry on common issues; and seeking to improve the regulatory climate to the end that banks can profitably compete in the providing of financial and related products and services. 6 PRESIDENT'S MESSAGE By Paul DiPaola, New Mexico Bankers Association President, U.S. Bank, Albuquerque 8 EXECUTIVE VICE PRESIDENT’S MESSAGE By John Anderson, Executive Vice President, New Mexico Bankers Association 11 TIME FOR POLITICAL MUSCLE-BUILDING BY Rob Nichols, ABA President 12 SOCIAL MEDIA’S GROWING INFLUENCE By Mark Anderson, New Mexico Bankers Association 14 COUNSELOR’S CORNER: MANAGING JURISDICTIONAL RISK INTRANSACTIONS IN INDIAN COUNTRY By Debbie Ramirez, Modrall Sperling Law Firm 16 THE USDA-RURAL DEVELOPMENT BUSINESS & INDUSTRY (B&I) LOAN GUARANTEE PROGRAM CAN HELP LENDERS MAKE RURAL LOANS By Richard Carrig and Pat Navarrette, USDA-Rural Development 17 IT’S TIME TO ADAPT TO THE DIGITAL PAYMENTS LANDSCAPE By Matt Herren, Computer Services, Inc. 18 THE IMPORTANCE OF HAVING A BREACH RESPONSE PLAN IN PLACE By ABA Insurance Services 20 THE BANK OF UBER? REALLY? By George Warfel, Senior Vice President, Payments Strategy, Wespay 21 BANKERS ON THE MOVE 22 BANK NEWS 2015-2016 NMBA Board of Directors President Paul DiPaola US Bank PO Box 3686 Albuquerque, NM 87190 President-Elect Jay Jenkins Carlsbad National Bank 202 W. Stevens Carlsbad, NM 88220 Secretary/Treasurer Ron Wiser Bank of the Southwest PO Box 1638 Roswell, NM 87202-1108 Immediate Past President Ken Clayton Western Bank PO Drawer 500 Artesia, NM 88221-0500 Executive Vice President John W. Anderson New Mexico Bankers Association 316 Osuna NE, Suite 502 Albuquerque, NM 87107 Term Expiring 2016 John Dowling Pinnacle Bank PO Box 1729 Gallup, NM 87305-1729 Mike Lowrimore Bank of the West 500 Marquette NW, 14th Fl Albuquerque, NM 87102 Sheila Mathews Four Corners Community Bank 500 W. Main Suite 101 Farmington, NM 87401 Term Expiring 2017 John Gulas Los Alamos National Bank PO Box 60 Los Alamos, NM 87544-0060 Jon Hitchcock Pioneer Bank PO Box 130 Roswell, NM 88202-0130 David Hockmuth Wells Fargo Bank 200 Lomas Blvd NW Albuquerque, NM 87102 Term Expiring 2018 John C. Asbury First National 2101 Mountain Rd NW, #A Albuquerque, NM 87104 Greg Leyendecker New Mexico Bank & Trust PO Box 1048 Albuquerque, NM 87103 Jason Wyatt Western Commerce Bank 212 North Canal St. Carlsbad, NM 88220 SPRING2016 PAGE 6 PAGE 12 PAGE 20 President’sMessage–PaulDiPaola TheBank ofUber? Really? SocialMedia’s Growing Influence