Question: The below information is all what I have. The case is shown in 2 attached pictures. 1. Can Office Smart do an annual cleanup? If

The below information is all what I have. The case is shown in 2 attached pictures.

1. Can Office Smart do an annual cleanup? If not, if you price the credit as a working capital loan, do you underprice the loan? If the loan is not seasonal,what is it?

2. Do you want key man life insurance for Eric? In what amount? Key man insurance is a life insurance policy purchased by a business to compensate for financial losses that would arise from the death or extended incapacity of an important member of the business, in this case, Eric Farland.

3. Should you require all operating accounts to be with your bank, and if so what advantages does this bring to the bank?

4. Do you want a personal guarantee from Eric Farland? Your bank could require his agreement to be liable for the debts of Office Smart. A personal guarantee signifies that the lender (obligee) can lay claim to the guarantor's assets in case of the borrower's (obligor) default.

5. . What do you believe the outcome will be to this loan request?

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