This presentation from John Maxfield grabbed our attention for its detailed history on why some banks are evil at times. The good news is that there are many outstanding local community banks in the Madison area that will never treat you like this. Oak Bank, State Bank of Cross Plains, Oregon Community Bank & Trust, Park Bank, and Town Bank come to mind. One thing you can count on as an absolute fact: At Lighthouse Commercial Real Estate, you will always be a Client and never a counter-party. If you are a lender, what are your thoughts on this?