John and his father go to the office of Tom, a corporate lending officer with ABC Bank in order for John to secure a loan for his new software business. Tom is skeptical since John has no track record in business, but finally relents to giving John the loan when his father tells Tom: Dont worry. If John doesnt pay the loan back, I will. The father then leaves the meeting and John signs the loan documentation. When can the ABC Bank look to Johns father to repay the loan?