Pub 2 2023 Issue 1

President’s Message: Nebraska’s Community Banks are Well-Positioned	4
ICBA Live 2023	5
Flourish	6
From The Top	8
Windows 11 vs. Windows 10: Should You Make the Switch?	10
Fixed Rate or Floating? Hybrid ARMs Give an Investor Both Features	12
Innovation Station: Top 5 Innovation Trends for 2023	14
Over-Sharing in the Workplace? Why Your Company May Need a TikTok and BeReal Policy	16
CFPB Issues Guidance About Illegal Junk Fees on Deposit Accounts	20
Upcoming Webinars	22
Navigating the Potential Impact of Recent Regulatory Guidance	24
NICB Endorsed Partners	26
Associate Members 2023	26

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