In 2015, Karam started making tooled leather belts as a hobby. He used to sell these items to his friends and relatives. As demand increased, he decided to get into the business of making and selling belts and other leather goods under the trade name "Cintura". He decided to open a business concern which is located in Samer's premises in a popular area in Beirut. Karam and Samer concluded a lease contract to period of six years, which includes a condition stating that Karam can't transfer the lease contract without the prior consent of Samer.

To start up the business, Karam took a loan of $30,000 from IBL Bank to pay the needed expenses and to buy leather stock needed for the manufacturing of belts.

1)IBL Bank presented a case before the court claiming for the repayment of the loan. Indicate against whom the case should be presented: Karam or "Cintura". Justify your answer