Sometimes a bank sets aside money for a customer to be sure it is available when the customer actually applies for a loan. This reserve, called a Guidance Facility, or simply “Facility”, is normally not communicated to the customer. The concept is shown in Figure 20-8 as a sub-type of Agreement. Each Guidance Facility must be based on a prior Marketing Relationship between the bank and the customer. Eventually, a Guidance Facility may be implemented via one or more Lines of Credit, or it may be implemented via another kind of Loan.

A Line of Credit is an agreed upon amount of money to be loaned to the customer, but not paid all at once. Rather it is a fund that the customer can draw upon, as necessary. Even though the Guidance ...

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