I joined PwC a few months ago. I am working on a small project for a bank. The bank has recently announced a very good offer of an automobile loan to its customers. The loan would be collateralised by the automobile and is available to those who have had an account with the bank for at least 3 months. I meet these criteria. Although this loan would be material to me, taking it would not represent an independence issue as this loan will be made in the ordinary course of business and under normal lending procedures, terms and requirements of the bank. True or False.