The Reputation and Contractual Discretion Argument Suggests That the Banks

The reputation and contractual discretion argument suggests that the banks have an incentives to sell loan commitments because

A) the contract contains "escape" clauses that allow the banks to change the contract terms in order to maintain their good reputation.
B) for banks with high reputational capital, the contract allows the banks to charged higher prices for future loan commitments
C) the contract allows the banks not to honor the commitment due to the "escape" clauses and therefore can conserve the scarce financial capital
D) b and c only
E) all of the above