CASH 2018 Annual Report

5 LENDING ACTIVITIES General The diagram below shows the composition of the Company's lending portfolio by loan type. The Company emphasizes credit quality and seeks to avoid undue concentrations of loans and leases to a single industry or based on a single class of collateral. The Company has established lending policies that include a number of underwriting factors that it considers in making a loan, including loan-to-value ratio, cash flow, interest rate and credit history of the borrower. Asset- based Lending SBA/USDA Commercial Insurance Premium Finance Commercial Finance Consumer Finance Agricultural 1-4 Family Real Estate Commercial Operating Commercial & Multifamily Real Estate National Lending Community Banking Tax Services Consumer Factoring Other Commercial Finance Lease Receivable Consumer Credit Products Warehouse Lending Student Loans Taxpayer Advances ERO Advances Loan & Lease Portfolio