evidence that: (1) fees are used to Price options embedded in loan contracts such as the draw-down option for credit lines and … the cancellation option in term loans; and (2) fees are used to screen borrowers about the likelihood of exercising these …

that: (1) fees are used to price options embedded in loan contracts such as the drawdown option for credit lines and the … cancellation option in term loans, and (2) fees are used to screen borrowers based on the likelihood of exercising these options …

evidence that: (1) fees are used to price options embedded in loan contracts such as the draw-down option for credit lines and … the cancellation option in term loans; and (2) fees are used to screen borrowers about the likelihood of exercising these …