Centris attended a conference hosted by Wilary Winn LLC in the fall of 2014. We were highly impressed with the presentation that they gave on non-maturity deposit analysis. Their methodologies were sound and they introduced us to the concept of “surge deposits” and how we need to be ready surge deposit runoff when rates do rise. Upon returning to the office, we engaged Wilary Winn to complete a non-maturity sensitivity analysis. We received a very thorough final report laying out their methodology, process, and results. We now incorporate these results into our ALM modeling. Wilary Winn was very helpful throughout the process and did a wonderful job.