FINANCIAL,CODE,DIVISION,CALIFORNIA,FINANCE,LENDERS,LAW,CHAPTER,COMMERCIAL LOANS,ARTICLE,OPEN END,CREDIT,PROGRAM,MEANS,LICENSEES,PLAN,LOANS,LOAN AGREEMENT,FORTH,TERMS AND CONDITIONS,GOVERNING,THE OPEN,LOAN,THE BORROWER,MONEY,GOODS,LABOR,LICENSEE,PURPOSE,OR AT,DIRECTION,CREATES,AMOUNT,ADVANCE,CHARGES,COSTS,ACCOUNT,C,FROM TIME TO TIME,THE BORROWERS,COMPUTATION,FEES,PRIVILEGE,FULL,EFFECTIVE,JANUARY 1,JULY 1,