2015 Opportunities Assessment

Please provide your thoughts in complete sentences with detail where appropriate.

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* 1. What are the biggest opportunities in your marketplace for the following areas: Lending, ALM, Technology, Operations?

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* 2. Where do you see the biggest challenges?

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* 3. What new products, policies or initiatives are you most excited about for 2015?

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* 4. Contact Information:

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* 5. Can we share your comments with your name associated, or would you rather this comment remain anonymous? In the latter case, we'll identify only the state and asset peer group (for example: An Arizona CU $50-$100M)

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