2025 PACC Presentation

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Primed for Growth as Market Normalizes CA Market Maturing Re-Expansion into Legacy Markets (IL, IN, FL) AI-Driven Operational Efficiency Diversification of Revenue Streams Mortgage Growth via CMG Joint Venture Back-Office Innovations (BOS, YLN)

Traditional Model Under Pressure

Organizational Size Limits Agility

Established Reputation

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Strong Team Relationships & Culture Proven Leadership with Clear Vision Diverse Marketplaces & Services Disciplined Operations (EOS Framework) Partnership with Anywhere Healthy Margins in Midwest Markets

Revenue Drop vs. Built-Out Cost Structure Margin Compression Trends

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Excessive Loyalty

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Ownership Structure

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Incomplete Core Services Integration JV vs. Wholly-Owned Core Services Dilemma

Disruptive Tech & AI Innovations

Industry-Wide Legal Challenges Prolonged Market Downturn Risk Private Equity Competitors

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Capital Constraints

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Brand Perception Gaps

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Franchise pricing

CA Market Volatility

Compliance Team

Strategic Implication We can leverage our stability, diversified services, and operational rigor to pivot into new markets and scale efficiently.​

Strategic Implication To overcome these, we must streamline decision-making, reassess capital deployment, and revamp market-facing brand messaging.​

Strategic Implication Focused investment in technology and diversified services will be key to scaling profitability in a tight-margin market.​

Strategic Implication Proactive business model adaptation, risk mitigation strategies, and focusing on profitable core markets will be essential for navigating this environment.​

Franchise expiration

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