3. Brie is a student at Texas State University. In need of funds to pay for tuition and books, Brie asks Dependable Bank for a short-term bank loan. The bank agrees to make a loan if Brie will have someone who is financially responsible guarantee the loan payments. Esperanza, a well-known businessperson and a friend of Brie s family, calls the bank and verbally agrees to pay the loan if Brie cannot. Because of Esperanza's reputation, the loan is made based on Esperanza's verbal agreement. However, Brie never signed a loan guaranty agreement. Brie is making the payments, but because of illness she is unable to work for one month. She asks Dependable extend the loan for three months. The bank agrees, raising the interest rate for the extended period. Esperanza is not notified of the loan extension. One month later, Brie drops out of school and stopped making loan payments. All attempts to collect the remainder of the loan from Brie fail. Can Dependable assert a valid and enforceable claim against Esperanza on the debt? Why or why not