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. 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