4 3 2 1 FAMILY FEUD FAMILY FEUD

4 3 2 1

FAMILY FEUD FAMILY FEUD FAMILY FEUD FAMILY FE

Round 1 Investment Bank 30 Savings & Loan 28 Private Bank 14 Piggy Bank 6 5 Blood Bank Win Lose Cheer Boo Silence

Round 2 Commercial/ 24 Business Banking Wealth Mgt/ Private Bkg 11 Retail 20 Capital Markets 7 Credit 17 Treasury/FX 14 Cash Management 5 2 Leasing Win Lose Cheer Boo Silence

Round 3 Historical (and YTD) Borrower Financials 30 Business Plan/ Loan Purpose/S & U 20 Inventory info 7 17 Equipment/RE Appraisals 5 14 Explanation of Derogatory info 2 Projections & Assumptions Guarantor PFS/ Tax Reports A/R , A/P agings 11 Win Lose Cheer Boo Silence

Round 4 Capacity 20 Credit 20 Collateral 20 Conditions 20 20 Character Win Lose Cheer Boo Silence

Round 5 31 Buy-out partner Equity repurchase 9 Real estate purchase/ Comm. Mortgage 25 Permanent W/C 5 Leasehold improvements 18 Buy a business/ Product line 14 FF&E Win Lose Cheer Boo Silence

Round 6 Debt Service Coverage, OCF/TDS 35 Leverage, TL/TNW, FD/EBITDA 28 Liquidity, W/C 20 Minimum NW 12 5 Maximum CAPEX $s Win Lose Cheer Boo Silence

Round 7 Losses/ Insufficient CF 24 New Management Bad Management 11 Too much debt/ Leverage 20 Growing too fast 7 No Collateral 15 Bad credit checkings 5 14 Poor quality Financial reports 5 Start-up/risky strategy Win Lose Cheer Boo Silence

Round 8 Promissory Note 35 Loan Agreement 28 Guaranty 20 Closing Agenda 12 Intercreditor/ Subordination Agmt Win Lose Cheer 5 Boo Silence

Round 9 Work-Life Balance 26 Great boss/ Co-workers 10 Well paid 22 Job security/ Managed Assets 6 Never dull/ Constant learning 18 Growth opportunities Lateral & Up 16 Win Lose Cheer Boo Silence