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56Chevy

11/12/14 3:30 PM

#30 RE: 56Chevy #29

Enterprising Investor

11/12/14 5:12 PM

#31 RE: 56Chevy #29

Expansion into San Jose is a wonderful thing long term.

However, starting a branch from scratch will have start-up costs that could impact the bottom line for PPFC is in the short run. It will take some time for the branch to reach the critical mass to become a profit center on a stand-alone basis.

Enterprising Investor

11/12/14 10:36 PM

#32 RE: 56Chevy #29

Expansion into San Jose is a wonderful thing long term.

However, starting a branch from scratch will have start-up costs that could impact the bottom line for PPFC in the short run. It will take some time for the branch to reach the critical mass needed to become a profit center on a stand-alone basis.