I Which of the following could like require the reporting of a credit as Restructured Troubled Debt (TDR). Borrower begins to have financial difficulty and asks bank for help by lowering Interest Rate from 10 to 4% Borrower is delinquent for 60 days and asks the bank for some assistance with Interest Only for 12 months Borrower notices that rates have really fallen and his 10% is significantly higher than current rates as asks management to lower his rate to Prime +2, matching the rate published in the bank's advertisement for current loans. Borrower is delinquents 80 days and is not sure he will be able to catch up due to a significant decline in customers. He proposed that he pay interest only for the next 3 months, then beginning a 2% interest rather than the 6% currently paid.