Question-and-Answer Session
Operator
(Operator Instructions). Your first question comes from the line of Mike Taiano with Sander O’Neill, please proceed.
Mike Taiano - Sander O’Neill
Hey guys, couple of questions. First, I guess from a strategic standpoint. I mean, John, your comments in terms of moving away from the gain-on-sale accounting. Is the way to think about that is that you guys will be moving towards more of a typical mono-line vendor model; meaning that part of the loans are going to end up on the balance sheet and part of them are going to be securitized. Is that sort of a fair way to think about it?
John Hupalo
Mike, I think that’s exactly right. As the business progresses, we are going to have opportunities to continue to serve the business-to-business clients that we have and we are also going to have opportunities to use the, whereas all the bank to fund loans and bring some of that that income into us in a different way. So we think that'll increase in aggregate as a package, the quality of revenue coming in to the company.
Mike Taiano - Sander O’Neill
Okay and what level of flexibility do you have with of negotiating a lower marketing fee?
Jack Kopnisky
Well, we are working with them at all times. So, as contracts come up, we have the opportunity to go back to them and talk to them about the reality of the market situation and have them understand, which frankly the conversations we've had, the banks are very much understanding the market situation and looking at how we progress into the future in terms of marketing fee and relationship with them.
Mike Taiano - Sander O’Neill
Okay. So, essentially it's dictated by the timing of the contract so you can't really negotiate until the contract expires -- is that how it works?
Jack Kopnisky
Yes.
Mike Taiano - Sander O’Neill
Okay. And then just last question, the warehouse lines that you said you guys were looking to expand with the 2 to 2.5 billion in addition to the Goldman warehouse line -- or is that including the Goldman warehouse line?
John Hupalo
Mike that includes the warehouse line and it's separate from the existing line, a UFSB that's already been in place.
Mike Taiano - Sander O’Neill
Okay. And how much is that again, the one at the bank?
John Hupalo
The one of the bank is for a maximum of 300 million.
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