The owner of a workplace talked with similar workplace owners that had to close the workplace until June because of Corona virus. She collected the data and analyzed the closure times of the workplaces. 

✓ She estimated that the closure times were exponentially distributed with the average closure time 40 days. 

✓ She evaluated that still there is a probability to close workplaces in coming winter because of Corona virus. ✓ Her total monthly workplace expenses are 10.000 TL. 

✓ He determined the uncertainty about the coming period by talking to the experts that the workplace could be closed in less than 1 month, between 1 and 2 months and between 2 and 3 months. 

✓ Within the scope of the search for alternative financial resources in this period, her bank has offered 3 alternatives with a 3-month grace-free (no payment for the first three month) annual 15,000 TL, a 3-month grace-free 40,000 TL with a 2 % interest rate/month and a 3-month grace-free annual 60,000 TL with 3 % interest rate/month. 

✓ Draw your decision tree with the future value of money and suggest about the decision of the business owner.