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The human resource department at Mountain Bank should develop a program that would allow the tellers and managers to have open dialogue to determine new ways to retain customers as well as implement new programs that are designed to market the existing programs with real estate and corporate banking. By having sound communication where the tellers are encouraged to bring new ideas, would give them more responsibility to receive more information from the customers in order to promote the existing services offered. Tellers in this program would be given increased pay for their knowledge and skills. Training will be provided to individuals that would like to sharpen their skills and be promoted to the advanced level within the company.

1. There are four areas in which Mountain Bank should developing and implementing a competitive advantage in the marketplace:

? Establish investment priorities and leverage its corporate resources into the real estate and corporate banking business units.

? Initiate action plans to improve the performance of the real estate and corporate banking business