You are given the task of striking a loan agreement with a bank. You need $20,000,000 to launch a new product which will begin to provide very little profit and working capital in year 1. It will provide $13,000,000 in year 2 and $25,000,000 in year 3 working capital and profit. The bank has offered the money 4% and the inflation rate is projected 2% a year for the 3 year loan period. There will be a call principle at the bank's discretion. There will be a 20% inventory secured lien toward the loan. All arbitrations will be held in the Venezuelan courts. The bank has the right to adjust the interest rate at their discretion and says that you can not negotiate with any other banks. Repayments are to be made daily and the bank reserves the right to be included in all corporate decisions. How would you secure a loan and agreement with this bank? How would you handle the shortfalls of working capital based on the adjustments you will make for the interest rate and inflation?