Return-Path: Delivered-To: directory@aicenergycorp.com Received: from server.64xmedia.com by server.64xmedia.com with LMTP id J4ahNjjBFmK5BwAAdUq3JA (envelope-from ) for ; Wed, 23 Feb 2022 18:20:24 -0500 Return-path: Envelope-to: directory@aicenergycorp.com Delivery-date: Wed, 23 Feb 2022 18:20:24 -0500 Received: from atl4mhob21.registeredsite.com ([209.17.115.115]:51098) by server.64xmedia.com with esmtps (TLS1.2) tls TLS_ECDHE_RSA_WITH_AES_256_GCM_SHA384 (Exim 4.94.2) (envelope-from ) id 1nN0vn-0000UX-0I for directory@aicenergycorp.com; Wed, 23 Feb 2022 18:20:24 -0500 Received: from mailpod.hostingplatform.com ([10.30.71.211]) by atl4mhob21.registeredsite.com (8.14.4/8.14.4) with ESMTP id 21NNJfN9077963 (version=TLSv1/SSLv3 cipher=DHE-RSA-AES256-GCM-SHA384 bits=256 verify=FAIL) for ; Wed, 23 Feb 2022 18:19:41 -0500 Received: (qmail 28013 invoked by uid 0); 23 Feb 2022 23:19:41 -0000 X-TCPREMOTEIP: 24.230.175.2 X-Authenticated-UID: pstack@keitu.com Received: from unknown (HELO JasperGreen) (pstack@keitu.com@24.230.175.2) by 0 with ESMTPA; 23 Feb 2022 23:19:41 -0000 From: "Phillip" To: , Cc: , , "'rgrimes'" Subject: Loan-to-Value Summary Date: Wed, 23 Feb 2022 17:21:01 -0600 Message-ID: <000001d8290c$05c93b50$115bb1f0$@keitu.com> MIME-Version: 1.0 Content-Type: multipart/alternative; boundary="----=_NextPart_000_0001_01D828D9.BB2ECB50" X-Mailer: Microsoft Outlook 16.0 Thread-Index: AdgpC7Ob2tnVm/rrRFyLwtDiTjoN+w== Content-Language: en-us X-Spam-Status: No, score=1.0 X-Spam-Score: 10 X-Spam-Bar: + X-Ham-Report: Spam detection software, running on the system "server.64xmedia.com", has NOT identified this incoming email as spam. The original message has been attached to this so you can view it or label similar future email. If you have any questions, see root\@localhost for details. Content preview: Hi Snow, I think the loan-to-value summary needs to be put on the agenda for the meeting with the bank. Loan-to-value is not about why you need/are going for the loan. It is not how the loan provides value to AIC. Instead, a bank uses a loan-to-value ratio as a measure of their risk in case the group th [...] Content analysis details: (1.0 points, 3.0 required) pts rule name description ---- ---------------------- -------------------------------------------------- 0.0 HTML_MESSAGE BODY: HTML included in message -0.0 T_SCC_BODY_TEXT_LINE No description available. 1.0 KAM_LAZY_DOMAIN_SECURITY Sending domain does not have any anti-forgery methods 0.0 AWL AWL: Adjusted score from AWL reputation of From: address X-Spam-Flag: NO This is a multipart message in MIME format. ------=_NextPart_000_0001_01D828D9.BB2ECB50 Content-Type: text/plain; charset="us-ascii" Content-Transfer-Encoding: 7bit Hi Snow, I think the loan-to-value summary needs to be put on the agenda for the meeting with the bank. Loan-to-value is not about why you need/are going for the loan. It is not how the loan provides value to AIC. Instead, a bank uses a loan-to-value ratio as a measure of their risk in case the group they loan the money to defaults. This could be an internal calculation the bank will do when reviewing the application and something we don't have to worry about at this time. However, it is certainly a question to ask BND during the meeting this week. Please let me know if you have any questions. Sincerely, Phillip Stack ------=_NextPart_000_0001_01D828D9.BB2ECB50 Content-Type: text/html; charset="us-ascii" Content-Transfer-Encoding: quoted-printable

Hi Snow,

I think the = loan-to-value summary needs to be put on the agenda for the meeting with = the bank.

Loan-to-value is not about why you need/are going for = the loan. It is not how the loan provides value to AIC. = Instead, a bank uses a loan-to-value ratio as a measure of their risk in = case the group they loan the money to defaults. This could be an = internal calculation the bank will do when reviewing the application and = something we don’t have to worry about at this = time.

However, it is certainly a question to ask BND during = the meeting this week.

Please let = me know if you have any questions.

Sincerely,

Phillip = Stack

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