Ricky consults two banks for a small business loan for his car auto detailing venture. He goes to two banks: GLB Bank and MKZ Bank. GLB Bank believes they can recover 30% of the loan by selling the equipment that is used as collateral for the loan. On the other hand, MKZ Bank appraises the collateral and think that they would only lose 65% of the loan, if defaulted. GLB Bank assigns a 20% probability of default given the risky nature of the business, while MKZ assigns a 25% probability of default. Assume Ricky needs a $150,000 loan and both banks want to earn 6%, which bank should he choose?