| http://www.w3.org/ns/prov#value | - tments held by BACSC, provided the loans: (a) are consistent with safe and sound banking practices, (b) do not present more than the normal degree of risk of repayment, and (c) are extended on terms and under circumstances, including credit standards, that are substantially the same, or at least as favorable to BAC, as those prevailing at the time
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