1. Jim Conard of West Bank described how West Bank wins in the market place. What did he share is a key to their success? [5 pts]

2. Name the title or describe the kind of work that Niki Prom from MidwestOne Bank does. [5 pts]

3. Which of the following is NOT an advantage of being well capitalized? [5 pts]

1. Well capitalized banks have lower risk.
2. Well capitalized banks undergo fewer examinations.
3. Well capitalized banks can more freely expand the services they offer or take over other banks.
4. Well capitalized banks grow more slowly.

4. Name the 6 Cs of lending: [5 pts]

• [Character, capacity, capital / cash, collateral, conditions, control]