In choosing a bank, businesses face different selection criteria than individuals. Because banks have different lending policles and areas of expertise, management must take into account all of a bank's characteristics before choosing a banking relationship. A bank that has experienced a recent downtum in profitability and is worried about maintaining deposits would most likely be Which of the following attributes would be most important to a small retaller with a localized customer base? Check all that apply. A bank with separate divisions for specialty lending, such as real estate A bank with expertise in electronic funds transfer and foreign currency operations A bank with small-business expertise A small bank with loyalty to the community