The loan contracts of commercial banks, savings banks, financial companies, insurance companies and investment banks are very different from each other and all serve a different purpose. “Commercial banks” and “savings banks”, because they accept deposits and benefit from FDIC insurance, generate loans that incorporate the concepts of “public trust”. Prior to intergovernmental banking, this “public trust” was easily measured by state banking regulators, who could see how local deposits were used to finance the working capital needs of local industry and businesses and the benefits associated with employing this organization. “Insurance organizations” that charge premiums to provide life or property and casualty insurance have created their own types of loan contracts. The credit agreements and documentation standards of “banks” and “insurance companies” evolved from their individual cultures and were governed by policies that somehow addressed the liabilities of each organization (in the case of “banks”, the liquidity needs of their depositors; in the case of insurance organizations, liquidity must be linked to their expected “claims payments”). Credit agreements are usually in written form, but there is no legal reason why a loan agreement cannot be a purely oral agreement (although verbal agreements are more difficult to enforce). The categorization of loan agreements by type of facility usually leads to two main categories: the forms of loan agreements vary enormously from one industry to another, from one country to another, but characteristically, a commercial loan agreement drafted by professionals contains the following terms: For commercial banks and large financial enterprises, “loan agreements” are generally not categorized, although “loan portfolios” are often classified into “personal” and “commercial” credits. Ite are subdivided, while category “c” “ocrcial” is then divided into “Industrial Real Estate” and “Commercial Real Estate”. “Industrial” loans are those that depend on the cash flow and solvency of the company and the widgets or services it sells. .