You can use Capital Accounts tab to set up yourself on it. The allowance is an estimate of the losses inherent in the loan portfolio as of the balance sheet date.Secured loan products include home equity loans and lines of credit, which are underwritten based on loan-to-value limits specified in the lending policy. The Company must meet the attached Program criteria before they can be considered eligible for a "Fulton. County Revolving Funds Program" Loan. The loans will be retired anywhere from 2015 to 2041. See Note 15 in the financial statements for more information regarding the City's debt.