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Answer the question should we relocate a branch?                 Is the branch profitable? FPA/RVP/AM YES Is the lease renewable? Cassidy/Turlery YES Is it in the right location? AM/TSM/BM/MP YES Is the building in good shape? RVP/AM/BM YES Is the rent at or near fair market rates? Cassidy/Turley NO NO NO YES NO YES NO If we relocated would it become profitable? AM/TSM/BM YES   Are there potential buildings in the right location? Cassidy/Turley and Market Planning Will the landlord pay for repairs needed or upgrades? Cassidy/Turlery NO Can we renegotiate better terms? Cassidy/Turley NO NO YES NO NO YES Can we consolidate with the nearest branch? RVP/AM YES Consolidate! AM/BM Relocate to less desirable location! RVP/AM/BM/FPA/MP YES Move RVP/AM/BM/FPA/MP Renew and Stay CT/RVP/FPA NO NO Don't renew and close. CEO/CFO/RVP/FPA