You are a credit operations executive and your company handles commercial banking, brokerage, insurance, Afore and a Sofom that manages credit cards. Among your responsibilities is to be the operational counterpart of the business banking promoters. You analyze the customer and business prospects presented by your sales partner before passing them on to the Risk Committee and the control desk to obtain the corresponding authorizations.

To stimulate placement, the bank has launched a commission scheme in which the promoter and the operations executive will each receive 25% of the commission for opening new loans for productive activities or the purchase of fixed assets, 50% for loans granted to operate in the derivatives market, and 15% when the funds are used to finance working capital.

The commissions charged by the bank are as follows:

Product	Placement Amount	Commission
Working Capital Financing	$10,000,000 - $24,999,999 Maxon	1.00%
Working Capital Financing	$25,000,000 MXN and up	0.75%
Financing to operate in Mexder	$100,000,000 - 249,999,000 MXN	1.50%
Financing to operate in Mexder	$250,000,000 MXN and up	1.00%
Fixed Asset Financing	$10,000,000 - $24,999,999 Maxon	0.75%
Fixed Asset Financing	$25,000,000 MXN and up	0.50%

Your counterpart brings the following business prospects to the table.

1. A company engaged in the commercialization of gold requires a loan to buy 15 armored vehicles with a value of $770,000.00 MXN, VAT included.
2. A company that imports medicines from Europe requires six-month hedge on the exchange rate. Currently the MXN/ exchange rate is 19.20 and he plans to buy medicines for 7,000,000.00.
3. An organization that is venturing into digital commerce that requires working capital for $27,000,000.00 MXN.

Preliminary analysis yields the following:

1. The bank has a policy of not financing taxes, therefore, the amount to be placed would be $9,956,869.55 MXN.
2. The importer is a distributor of the government and all of its businesses depend on the contracts and tenders obtained. Despite the fact that its competition offers better prices, payment terms, and delivery logistics, for some unknown reason, it always wins the bidding contests.
3. Digital merchants don't have the financial capacity to pay for financing anytime soon.

When presenting these observations to your counterpart, he suggests the following:

1. Negotiate with the armoring company to increase the cost by $5,000.00 MXN per unit, in exchange for handing over the commission of both. The promoter argues that this could attract a second credit to trade futures on gold, with a value of at least $300,000,000.00 MXN if it is proven that the best service can be provided.
2. The promoter knows that "extracurricular" compensations are made to you. government official, which the importer covers for the surcharge, generally selling at 43% above market value.
3. Another proposal is to suggest that long-term credit be granted so that the digital commerce company can meet its payments.
4. What decision would you make and why?