Ebenezer is the CEO of a successful small business and would like to double the size of their current loan with First National Bank. He approaches the bank manager at First National Bank with the following facts; the business has proven to be successful in the past, the last three years have shown increases in sales and earnings, our business already has an existing loan of $500,000 with the bank. Which of the following should not be a consideration of the bank manager approving the loan

• The business has established a relationship with the bank based on the $500,000 loan.

• Sales and earnings have increased over the last three years.

• Ebenezer promises to give the bank manager an extra $1,000 if she approves the loan.

• The business has been successful in the past.