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In quadrant I, find
Chartered Banks
Chartered Banks are financial institutions that have been granted a charter or license by the government, allowing them to operate and offer a range of banking services, such as accepting deposits and making loans.
Secured Creditor
A creditor who has a claim on property of the debtor, giving him priority on that property over other creditors.
Guarantee
A formal promise or assurance, typically in writing, that certain conditions will be met or that a product will perform as stated.
Default
Failure to fulfill a legal obligation or condition, such as not making a scheduled payment on a loan.
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