5. “If you don’t like change, you’re going to like irrelevance even less”
-General Eric Shinseki, Chief of Staff, U.S. Army

10. Industry Transformation
Technology
Markets
Distributions
Carriers
Products

13. HCB2020 Think Tank Chase Allen Lance Barton Michael Pariano
David Bernaus
John Riggs
Nancy Hanson
Mike Sapyta
Steve Kampwerth
Chris Soniat
Anthony Lancaster
Wilma Turner
Teague Wright

17. Financial
Cultural
Operational
Distribution
Markets
Technology

18. PC – $150M
NHOR - $50M
Net Revenue - $65.5M
EBITDA - $8.2M
(12.5% of net revenue)
Average SVP NHOR - $425,000

19. Customer Intimacy
Inclusivity
Performance Management
Career Management
Sales Culture

20. Client Facing
User Friendly
One HCB with local emphasis
Efficient
Performance managed
Maximized Technology

21. Diversification is Key
Banks – Wires
P & C
IBD
Closely Aligned/Independent
UHNW
Click Call Transactional

22. We will remain a leader
Business Intelligence
Business Management
Business Processing
Click – Call
CRM fully integrated

24. Thank you!