1. MBAH Annual State Conference JUne 2016
“What is Keeping CEOs Awake at Night?”
Rob Chrisman
Chrisman LLC/MBAH

2. What’s it Like out there?
2.99% % - what’s the diff?
Chrisman LLC/MBAH

3. Can’t we all just get along?
The industry
Can’t we all just get along?
Chrisman LLC/MBAH

4. Doing the same things really, really well
Profitability
Doing the same things really, really well
Chrisman LLC/MBAH

5. People really do matter
Hiring & Training
People really do matter
Chrisman LLC/MBAH

6. Chrisman LLC/MBAH

7. As far as rates are concerned
“Don’t fight the Fed”
Chrisman LLC/MBAH

8. Housing is not a big issue
And in November
Housing is not a big issue
Chrisman LLC/MBAH

9. But really…
Chrisman LLC/MBAH

10. Without any demand would there by any supply?
The markets
Without any demand would there by any supply?
Chrisman LLC/MBAH

11. Ceo’s Daily Agenda 2006 7AM: Alarm goes off. Breakfast
8-8:30: Drive to work. Listen to new Nickelback album.
8:30-9:30: Greet staff, answer s.
9:30-11AM: Meet with VP to cover Sales Conference Trip: San Francisco, logistics, fancy expensive gifts.
11-12: Meet with CFO to discuss revenue projections.
12-1:30: Lunch with new correspondent investor
1:30-2: Answer voice mails and s.
2-4: Meet with production staff to discuss new SISA and NINA program rollout
4-5:00 Answer s
5:00 Leave for home
Chrisman LLC/MBAH

12. Daily Agenda 2016 6AM: Alarm goes off. Breakfast
7-7:30: Drive to work. Call with IT staff to discuss cybersecurity.
7:30-8: Meet with Capital Markets to discuss hedge position, servicing values, and competition.
8-8:30: Meet with VP to go over social media and LO website controls; sales conference trip to Honolulu Zoo.
8:30-9:30 Meet with CFO to discuss latest acquisition offers.
9:30-10: Answer voice mails and s.
10-11: Meet with VP to discuss recruiting efforts and branch support.
11-12: Work on Millennial University – hiring, retaining, and customer outreach efforts
12-1:30: Lunch telephone call with new correspondent investor
1:30-2: Answer voice mails and s.
2-4: Meet with in-house counsel to discuss status of lawsuits
4-5:30 Answer s
5:30 Leave for home
6:00 Mai Tai
Chrisman LLC/MBAH

13. Where CEO’s heads are My Model M&A Non-banks
Recruiting – “We have your back on compliance!”
Electronic streamlining
Not an environment for amateurs – are competitors too small to comply?
And then there’s…
Chrisman LLC/MBAH

14. Thank you very much, have a great Summit, and keep up the great work!
Chrisman LLC/MBAH

15. My company is Good at… (pick one)
Product
Price
Service
Chrisman LLC/MBAH

16. There is a change in focus: corporate culture & helping the client
it is good to see that…
There is a change in focus: corporate culture & helping the client
Chrisman LLC/MBAH

17. wrap up – the song remains the same
It is not a “hard” environment
We can expect the legal & regulatory atmosphere to continue
We can expect market volatility to continue
We can expect further consolidation
E-whatevers
Helping others: “Families, not files”
Chrisman LLC/MBAH

18. Management’s message:
"Do not let what you cannot do interfere with what you can do."—
Chrisman LLC/MBAH

19. MBAH -
Thank you very much, have a memorable 2016, and keep up the great work helping your clients!
Chrisman LLC/MBAH