Pub.4 2023 Issue 1

Contents	3
Flourish	5
Top 5 Innovation Trends for 2023	6
CBS Endorses Results Technology	8
Fixed Rate or Floating? Hybrid ARMS Give an Investor Both Features	12
CFPB Issues Guidance About Illegal Junk Fees on Deposti Accounts	16
Anniversaries	18
New Associate Member Olsen Palmer	18
Webinars	23
Products and Services Reference List	24

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