2019 Lender Outlook Survey Thank you for your insights! This survey should take approximately 5 minutes to complete. OK Question Title * 1. Which of the following describes your institution? Regional bank National bank Community bank ABL Bank Alternative lender Other type of institution OK Question Title * 2. What is your institution’s asset size? < $1 billion $1 billion – 5 billion $6 billion – 10 billion $11 billion – 50 billion $51 billion - 99 billion $100 billion - $249 billion >$250 billion OK Question Title * 3. In what position do you currently work? Commercial lending Asset-based lending Special assets Wealth planning Business development officer Other OK Question Title * 4. Where are you personally located? AK AL AR AZ CA CO CT DE FL GA HI IA ID IL IN KS KY LA MA MD ME MI MN MO MS MT NC ND NE NH NJ NM NV NY OH OK OR PA RI SC SD TN TX UT VA VT WA WI WV WY Other or N/A OK Question Title * 5. What is your institution’s economic outlook for 2019? No change from 2018 Limited growth compared with 2018 Significant growth compared with 2018 Slight decline compared with 2018 Significant decline compared with 2018 OK Question Title * 6. Considering your answer to the above, how do you think this will impact your institution’s loan portfolio in 2019? No change from 2018 Limited growth compared with 2018 Significant growth compared with 2018 Slight decline compared with 2018 Significant decline compared with 2018 OK Question Title * 7. Please characterize your portfolio’s loan volume in 2018 compared with 2017. No change Somewhat increased Significantly increased Somewhat decreased Significantly decreased OK Question Title * 8. Please characterize your portfolio’s loan quality in 2018 compared with 2017. No change Somewhat increased Significantly increased Somewhat decreased Significantly decreased OK Question Title * 9. What was the purpose of the loans you made in 2018? Select all that apply. Acquisitions Growth capital for an existing business Term loans for capital expense New client loans Clients requiring increase in working capital Other Not applicable for my institution/role OK Question Title * 10. With respect to your institution’s portfolio in the department you work in, how does its stability in 2018 compare with 2017? No change Somewhat increased (i.e. became more stable in 2018) Significantly increased Somewhat decreased Significantly decreased OK Question Title * 11. What do you expect your individual portfolio’s loan volume to do in 2019? No change Somewhat increase Significantly increase Somewhat decrease Significantly decrease Not applicable OK Question Title * 12. Do you see credit conditions in your institution: Contracting Slightly contracting Neutral - staying the same Slightly expanding Expanding Not applicable OK Question Title * 13. With respect to your institution’s portfolio in your specific area, what do you expect as far as quality in 2019? No change Somewhat increase (i.e. become higher quality) Significantly increase Somewhat decrease Significantly decrease Not applicable OK Question Title * 14. How would you generally describe your competition when you compete for new business with a prospective client? Not aggressive Somewhat aggressive Significantly aggressive I cannot compete with their proposal due to its aggressiveness Not applicable OK Question Title * 15. Given your answer to the above, how do you think this will affect your ability to win business in 2019? No change Will somewhat negatively impact my ability to win business Will significantly negatively impact my ability to win business It will improve my ability to win business Not applicable OK Question Title * 16. Please select the top three industries you expect to see growth in for your institution in 2019: Building products/construction Business services Consumer products/retail Energy Food and beverage Healthcare Industrial Technology Transportation Other OK Question Title * 17. Please select the industry or industries you feel are most likely to contract in 2019: Building products/construction Business services Consumer products/retail Energy Food and beverage Healthcare Industrial Technology Transportation Other OK Question Title * 18. Are there any additional comments or insights you'd like to share? OK Question Title * 19. Thank you for participating. If you would like a copy of the survey results, please share your contact information. Note: the results will NOT contain any identifying information about individuals or institutions. Name Company Email Address OK DONE