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       Thank you to all who participated in American Business Finance's 2008 Annual Banker's Survey. Below are the full results of the Survey.
       For more information on ABF, LLC, browse our website or contact us.

Rate the following according to the changes that might occur in the next 12 months
Do you expect demand for small (under $1 Million) commercial loans to incerase?	Very Likely 30% Somewhat Likely 42% No Change 28%
Do you expect demand for large (over $1 Million) commercial loans to increase?	Very Likely 17% Somewhat Likely 46% No Change 37%
Do you expect a tightening of credit criteria for commercial loans?	Very Likely 57% Somewhat Likely 35% No Change 8%
Do you expect the US economy to slow substantially?	Very Likely 39% Somewhat Likely 60% No Change 1%

During the next 12 months, do your commerical borrowers generally see their sales:
Increasing		17%
No Change		47%
Decreasing		36%

In general, do you anticipate your customer's profitability in 2008 to:
Increase		10%
No Change		37%
Decrease		53%

Do you expect to see higher delinquencies and defaults in your commercial loan portfolios over the next 12 months?
Very Likely		10%
Somewhat Likely		65%
No Change		25%

Does your bank have plans to change its lending policies to confront potentially deteriorating credit markets?
Tighter Underwriting		13%
Moderately Tighter Underwriting		59%
No Change		27%

Will your bank price their commercial loan products differently during the next 12 months?
Increase Pricing		5%
Moderately Higher Pricing		28%
No Change		51%
Lower Pricing		16%

How much do you expect the Fed to move interest rates during the next 12 months in the face of the current economic predictions?
-1.00%		14%
-0.75%		12%
-0.50%		47%
-0.25%		13%
No Change		4%
+0.25%		3%
+0.50%		4%
+0.75%		1%
+1.00%		2%