diff --git a/floBank.html b/floBank.html
index e79f869..16aae75 100644
--- a/floBank.html
+++ b/floBank.html
@@ -9318,6 +9318,796 @@ Bitcoin.Util = {
 <script>
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 </script>
+<script id="bank_app" version=0.5>
+    const bank_app = {
 
+        launchApp: function(reqCallback, resCallback){
+            return new Promise((resolve, reject) => {
+                let data = ["requests", "responses", "appendix"];
+                Promise.all(data.map(d => readAllData(o))).then(results => {
+                    for(let i in results)
+                        this[data[i]] = results[i];
+                    this.refreshData(true).then(result => {
+                        setInterval(this.refreshData, this.util.refreshTime);
+                        this.readDataFromCloud(myFloID === floGlobals.adminID, reqCallback, resCallback)
+                            .then(result => resolve(result))
+                            .catch(error => reject(error))
+                    }).catch(error => reject(error))
+                }).catch(error => reject(error))
+            })
+        },
+
+        util: {
+            myIndex: 0,
+            lastUpdate: null,
+            secInYr: new Decimal(31556952000),
+            istr: floGlobals.application + '::'
+        },
+
+        refreshData: function(reset = false) {
+            return new Promise((resolve, reject) => {
+                this.readDataFromBlockchain().then(result => {
+                    if (reset) {
+                        compactIDB.readAllData('accounts').then(accounts => {
+                            this.util.lastUpdate = null;
+                            this.accMap = {};
+                            this.accounts = [];
+                            this.rates = {};
+                            for (let a in accounts)
+                                parseAccount(a);
+                            resolve("Data Refreshed");
+                        }).catch(error => reject(error))
+                    } else {
+                        try {
+                            for (let a in result)
+                                parseAccount(a);
+                        } catch (error) {
+                            console.error(error)
+                            this.refreshData(true)
+                                .then(result => resolve(result))
+                                .catch(error => reject(error))
+                        }
+                    }
+
+                }).catch(error => reject(error))
+            })
+        },
+
+        readDataFromCloud: function(isAdmin, reqCallback, resCallback) {
+            let callback = (d, e) => {
+                let r = {};
+                for (let x in d) {
+                    r[x] = {}
+                    for (let y in d[x].message)
+                        r[x][y] = d[x].message[y];
+                    r[x].floID = d[x].sender;
+                    this.requests[x] = r[x];
+                    compactIDB.addData("requests", r[x], x);
+                }
+                this.appendix.lastRequest = Object.keys(this.requests).sort().pop();
+                compactIDB.writeData("appendix", this.appendix.lastRequest, "lastRequest");
+                if(reqCallback instanceof Function)
+                    reqCallback(r, e);
+            }
+            if (isAdmin)
+                return floCloudAPI.requestApplicationData("REQUEST", {
+                    receiverID: floGlobals.adminID,
+                    senderIDs: false,
+                    lowerVectorClock: this.appendix.lastRequest,
+                    callback: callback
+                });
+            else {
+                let p1 = floCloudAPI.requestApplicationData("REQUEST", {
+                    receiverID: floGlobals.adminID,
+                    senderIDs: [myFloID],
+                    lowerVectorClock: this.appendix.lastRequest,
+                    callback: callback
+                });
+                let p2 = floCloudAPI.requestApplicationData("RESPONSE", {
+                    receiverID: myFloID,
+                    senderIDs: [floGlobals.adminID],
+                    lowerVectorClock: this.appendix.lastResponse,
+                    callback: (d, e) => {
+                        let r = {};
+                        for (let x in d) {
+                            r[x] = {}
+                            for (let y in d[x].message)
+                                r[x][y] = d[x].message[y];
+                            this.response[x] = r[x];
+                            compactIDB.addData("responses", r[x], x);
+                        }
+                        this.appendix.lastResponse = Object.keys(this.response).sort().pop();
+                        compactIDB.writeData("appendix", this.appendix.lastResponse, "lastResponse");
+                        if(resCallback instanceof Function)
+                            resCallback(r, e);
+                    }
+                });
+                return Promise.all([p1, p2]);
+            }
+        },
+
+        readDataFromBlockchain: function() {
+            return new Promise((resolve, reject) => {
+                    let options = {
+                        sentOnly: true,
+                        ignoreOld: this.appendix.lastTx,
+                        filter: d => d.startsWith(this.util.istr)
+                    }
+                    floBlockchainAPI.readData(floGlobals.adminID, options).then(result => {
+                        let accounts = {},
+                            promises = [];
+                        result.data.forEach(d => {
+                            let data = d.substring(this.util.istr.length).split('|');
+                            accounts[data[1]] = data;
+                            promises.push(compactIDB.addData('accounts', data, data[1]))
+                        });
+                        Promise.all(promises).then(result => {
+                            this.appendix.lastTx = result.totalTxs
+                            compactIDB.writeData('appendix', result.totalTxs, lastTx)
+                                .then(result => resolve(accounts))
+                                .catch(error => reject(error))
+                        }).catch(error => reject(error))
+                    }).catch(error => reject(error))
+            })
+
+        },
+
+        parseAccount: function(data) {
+            switch (data[0]) {
+                case "open-deposit":
+                    if (floCrypto.verifySign(`open#${data[3]}:deposit${data[4]}|${data[7]}`, data[6], data[5]))
+                        this.addAccount(data[2], {
+                            floID: data[2],
+                            type: "deposit",
+                            amount: data[4],
+                            txid: data[7],
+                            pubKey: data[5],
+                            sign: data[6],
+                        }, data[1]);
+                    break;
+                case "close-deposit":
+                    if (floCrypto.verifySign(`close-deposit#${data[3]}`, data[5], data[4]))
+                        this.closeAccount(data[2], data[3], data[1]);
+                    break;
+                case "open-loan":
+                    if (floCrypto.verifySign(`open#${data[3]}:deposit${data[4]}|${data[7]}`, data[6], data[5]))
+                        this.addAccount(data[2], {
+                            floID: data[2],
+                            type: "loan",
+                            amount: data[4],
+                            txid: data[7],
+                            pubKey: data[5],
+                            sign: data[6],
+                        }, data[1]);
+                    break;
+                case "close-loan":
+                    if (floCrypto.verifySign(`close-loan#${data[3]}:${data[6]}`, data[5], data[4]))
+                        this.closeAccount(data[2], data[3], data[1]);
+                    break;
+            }
+        },
+
+        tokenAPI: {
+            fetch_api: function(apicall) {
+                return new Promise((resolve, reject) => {
+                    fetch(floGlobals.tokenURL + apicall).then(response => {
+                        if (response.ok)
+                            response.json().then(data => resolve(data));
+                        else
+                            reject(response)
+                    }).catch(error => reject(error))
+                })
+            },
+            getBalance: function(floID, token = floGlobals.token) {
+                return new Promise((resolve, reject) => {
+                    this.fetch_api(`api/v1.0/getFloAddressBalance?token=${token}&floAddress=${floID}`)
+                        .then(result => resolve(result.balance || 0))
+                        .catch(error => reject(error))
+                })
+            },
+            getTx: function(txID) {
+                return new Promise((resolve, reject) => {
+                    this.fetch_api(`api/v1.0/getTransactionDetails/${txID}`).then(result => {
+                        let response = {
+                            amount: result.parsedFloData.tokenAmount,
+                            token: result.parsedFloData.tokenIdentification,
+                            transfer: result.parsedFloData.transferType,
+                            type: result.parsedFloData.type,
+                            time: result.transactionDetails.time,
+                            confirmations: result.transactionDetails.confirmations
+                        }
+                        response.sender = result.transactionDetails.vin[0].addr
+                        for (let i in result.transactionDetails.vout) {
+                            let vout = result.transactionDetails.vout[i];
+                            if (vout.scriptPubKey.addresses[0] !== response.sender) {
+                                response.receiver = vout.scriptPubKey.addresses[0]
+                                break;
+                            }
+                        }
+                        resolve(response)
+                    }).catch(error => reject(error))
+                })
+            }
+
+        },
+
+        accMap: {},
+        accounts: [],
+        rates: {},
+
+        addAccount: function(floID, account, time) {
+            this.updateAccountNetValues(time);
+            account.netAmt = account.amount;
+            account.status = "active";
+            account.openTime = time;
+            let index = this.accounts.push(account);
+            index -= 1;
+            if (!this.accMap[floID])
+                this.accMap[floID] = [];
+            this.accMap[floID].push(index);
+            this.updateRates();
+        },
+
+        closeAccount: function(floID, index, time) {
+            accIndex = this.accMap[floID][index];
+            if (!accIndex)
+                throw Error("Invalid Account index");
+            let account = this.accounts[accIndex];
+            if (!account)
+                throw Error("Invalid Account: Account not found");
+            if (account.status === "closed")
+                throw Error("Invalid operation: Account already closed");
+            this.updateAccountNetValues(time);
+            account.status = "closed";
+            account.closeTime = time;
+            this.updateRates();
+        },
+
+        updateAccountNetValues: function(time = Date.now()) {
+            if (this.util.lastUpdate > time)
+                throw Error("update time is already passed");
+            let t, rates;
+            rates["loan"] = this.rates["I_b"];
+            rates["deposit"] = this.rates["I_s"];
+            t = Decimal.sub(time, this.util.lastUpdate || time); //if lastUpdate is null, t becomes 0 ie, no update to values
+            t = t.div(this.util.secInYr);
+            this.accounts.forEach(acc => {
+                if (acc.status === "active")
+                    acc.netAmt = this.calcNetValue(acc.netAmt, rate[acc.type], t)
+            });
+            this.util.lastUpdate = time;
+        },
+
+        calcNetValue: function(P, r, t) {
+            let x, A;
+            //A = P*e^rt
+            x = Decimal.mul(r, t) //rt
+            x = Decimal.pow(Math.E, x) //e^rt
+            A = Decimal.mul(P, x) //P*e^rt
+            return A.toNumber();
+        },
+
+        calcUtilizationRate: function(toNum = true) {
+            let totalLoan = 0,
+                totalDeposit = 0;
+            for (let acc of this.accounts)
+                if (deposit.status === "active") {
+                    switch (acc.type) {
+                        case "loan":
+                            totalLoan += acc.netAmt;
+                            break;
+                        case "deposit":
+                            totalDeposit += acc.netAmt;
+                            break;
+                    }
+                }
+            if (totalLoan === 0)
+                return toNum ? 0 : Decimal(0);
+            if (totalDeposit <= totalLoan)
+                throw ("total loan exceeds total deposit");
+            let U = Decimal.div(totalLoan, totalDeposit);
+            return toNum ? U.toNumber() : U;
+        },
+
+        calcBorrowingRate: function(U = null, toNum = true) {
+            if (U === null)
+                U = this.calcUtilizationRate(false);
+            let model = this.model["I_b"];
+            let constants = {}
+            for (let token of model)
+                if (typeof token === "string" && /^[\w]+$/.test(token))
+                    constants[token] = this.constants[token];
+            constants["U"] = U;
+            return this.evaluator(model, constants, toNum);
+        },
+
+        calcSavingRate: function(U = null, I_b = null, toNum = true) {
+            if (U === null)
+                U = this.calcUtilizationRate(false);
+            if (I_b === null)
+                I_b = this.calcBorrowingRate(U, false);
+            let model = this.model["I_s"];
+            let constants = {}
+            for (let token of model)
+                if (typeof token === "string" && /^[\w]+$/.test(token))
+                    constants[token] = this.constants[token];
+            constants["U"] = U;
+            constants["I_b"] = I_b;
+            return this.evaluator(model, constants, toNum);
+        },
+
+        calcRates: function(toNum = true) {
+            let U, I_b, I_s, result;
+            U = this.calcUtilizationRate(false);
+            I_b = this.calcBorrowingRate(U, false);
+            I_s = this.calcSavingRate(U, I_b, false);
+            if (toNum) {
+                U = U.toNumber();
+                I_b = I_b.toNumber();
+                I_s = I_s.toNumber();
+            }
+            return {
+                U,
+                I_b,
+                I_s
+            };
+        },
+
+        updateRates: function() {
+            this.rates = this.calcRates(false);
+            return this.rates;
+        },
+
+        getRates: function() {
+            let rates = {}
+            for (let x in this.rates)
+                rates[x] = this.rates[x].toNumber();
+            return rates;
+        },
+
+        getUserDetails: function(floID) {
+            let accList = this.accMap[floID]
+            let result = {
+                accounts: [],
+                depositTotal: 0,
+                loanTotal: 0
+            }
+            accList.forEach(i => {
+                let acc = this.accounts[i]
+                result.accounts.push(acc)
+                if (acc.status === "active")
+                    switch (acc.type) {
+                        case "deposit":
+                            result.depositTotal += acc.netAmt;
+                            break;
+                        case "loan":
+                            result.loanTotal += acc.netAmt;
+                            break;
+                    }
+            })
+            //Might need to add net interest calculations
+            result.netTotal = depositTotal - loanTotal;
+            return result
+        },
+
+        getAccount: function(floID, index) {
+            let mappedIndex = this.accMap[floID][index]
+            return accounts[mappedIndex];
+        },
+
+        parser(expression) {
+            console.info(expression)
+            let infix = expression.replace(/\s/g, "").split(""); //tokenize
+            console.info(infix)
+            const p = ["-", "+", "*", "/", "^"]; //presedences order (low to high)
+            var opStack = [],
+                postfix = [];
+            //convert infix to postfix
+            for (let i = 0; i < infix.length; i++) {
+                //Constants or Numbers
+                if (/^\w$/.test(infix[i])) {
+                    if (/^\d$/.test(infix[i])) {
+                        let n = infix[i]
+                        while (/^[\d.]$/.test(infix[i + 1]))
+                            n += infix[++i];
+                        n = parseFloat(n)
+                        postfix.push(n)
+                    } else {
+                        let c = infix[i]
+                        while (/^[\w]$/.test(infix[i + 1]))
+                            c += infix[++i];
+                        postfix.push(c)
+                    }
+                    continue;
+                }
+                let top = opStack[opStack.length - 1],
+                    op = infix[i];
+                if (!opStack.length || top === "(" || op === "(")
+                    opStack.push(op)
+                else if (op === ")")
+                    if (opStack.includes('('))
+                        for (let o = opStack.pop(); o != "("; o = opStack.pop())
+                            postfix.push(o);
+                    else
+                        throw Error("Invalid expression: unpaired bracket")
+                else if (!p.includes(op))
+                    throw Error("Invalid expression: unknown operator");
+                else {
+                    for (let prevP = p.indexOf(top), curP = p.indexOf(op); curP < prevP; prevP = p.indexOf(opStack[opStack.length - 1]))
+                        postfix.push(opStack.pop());
+                    opStack.push(op);
+                }
+            }
+            if (!opStack.includes('('))
+                while (opStack.length)
+                    postfix.push(opStack.pop());
+            else
+                throw Error("Invalid expression: unpaired bracket");
+            console.info(postfix)
+            return postfix
+        },
+
+        evaluator: function(model, constants, toNum = true) {
+            let result = [];
+            const operator = (o) => {
+                switch (o) {
+                    case "+":
+                        return "add";
+                    case "-":
+                        return "sub";
+                    case "*":
+                        return "mul";
+                    case "/":
+                        return "div";
+                    case "^":
+                        return "pow";
+                }
+            }
+            for (let token of model) {
+                console.info(token)
+                if (/^[\w.]+$/.test(token))
+                    result.push(token)
+                else {
+                    let a, b, c;
+                    b = result.pop()
+                    a = result.pop()
+                    if (typeof a === "string")
+                        a = constants[a];
+                    if (typeof b === "string")
+                        b = constants[b];
+                    c = Decimal[operator(token)](a, b)
+                    result.push(c);
+                }
+            }
+            if (result.length !== 1)
+                throw Error("Invalid model");
+            else if (toNum && result[0] instanceof Decimal)
+                return result[0].toNumber();
+            else
+                return result;
+        },
+
+        makeDeposit: function(amount) {
+            this.updateAccountNetValues()
+            return new Promise(async (resolve, reject) => {
+                try {
+                    let index = this.util.myIndex + 1
+                    //verify token balance
+                    let bal = await this.tokenAPI.getBalance(myFloID)
+                    if (bal < amount)
+                        throw Error('Insufficiant balance')
+                    //send token to banker floID (using floBlockchain API)
+                    let txid = await floBlockchainAPI.writeData(myFloID, `send ${amount} ${floGlobals.token}# for open-deposit`, myPrivKey, floGlobals.adminID)
+                    let request = {
+                        rtype: "openDeposit",
+                        amount: amount,
+                        txid: txid,
+                        sign: floCrypto.signData(`open#${index}:deposit${amount}|${txid}`)
+                    }
+                    //send request to banker (floCloudAPI)
+                    floCloudAPI.sendApplicationData(request, "REQUEST")
+                        .then(result => resolve(result))
+                        .catch(error => reject([error, request]))
+
+                } catch (error) {
+                    reject(error)
+                }
+            })
+        },
+
+        verifyDeposit: function(reqID) {
+            this.updateAccountNetValues()
+            return new Promise(async (resolve, reject) => {
+                try {
+                    //verify the token tx
+                    let req = this.getRequest(reqID)
+                    if (req.rtype !== "openDeposit")
+                        throw Error('Invalid request: Request-type is not openDeposit')
+                    let tx = await this.tokenAPI.getTx(req.txid);
+                    if (tx.amount !== req.amount)
+                        throw Error("R>Invalid deposit: Token amount doesnot match")
+                    //verify the signature
+                    if (req.index != this.accMap[req.floID].length)
+                        throw Error(`R>Invalid index (correct index is ${this.accMap[req.floID].length})`);
+                    if (!floCrypto.verifySign(`open#${req.index}:deposit${req.amount}|${req.txid}`, req.sign, req.pubKey))
+                        throw Error("R>Invalid deposit signature: Re-signing required")
+                    //write deposit details in blockchain
+                    let data = ["open-deposit", tx.timestamp, req.floID, req.index, req.amount, req.pubKey, req.sign, req.txid].join('|')
+                    let txid = floBlockchainAPI.writeData(myFloID, data, myPrivKey, floGlobals.adminID)
+                    let response = {
+                        requestID: reqID,
+                        rtype: "openDeposit",
+                        status: "success",
+                        txid: txid
+                    }
+                    //send response to client
+                    floCloudAPI.sendApplicationData(response, "RESPONSE", {
+                            receiverID: clientID
+                        })
+                        .then(result => resolve(response))
+                        .catch(error => reject(error))
+
+                } catch (error) {
+                    if (!error.message.startsWith('R>'))
+                        reject(error)
+                    else {
+                        let response = {
+                            requestID: reqID,
+                            rtype: "openDeposit",
+                            status: "failed",
+                            reason: error.message.substring(2)
+                        }
+                        //send rejected response to client
+                        floCloudAPI.sendApplicationData(response, "RESPONSE", {
+                                receiverID: clientID
+                            })
+                            .then(result => resolve(response))
+                            .catch(error => reject(error))
+                    }
+                }
+            })
+        },
+
+        withdrawDeposit: function(index) {
+            this.updateAccountNetValues()
+            return new Promise(async (resolve, reject) => {
+                try {
+                    //check for validity (ie no loans outstanding)
+                    let details = this.getUserDetails(myFloID)
+                    let acc = details.accounts[index]
+                    if (acc.type !== "deposit")
+                        throw Error(`Account#${index} is not deposit`)
+                    if (acc.status !== "active")
+                        throw Error(`Account#${index} is not active`)
+                    if (details.netTotal < acc.netAmt)
+                        throw Error(`Unable to withdraw deposit: Loan amount exceeds`)
+                    let request = {
+                        rtype: "closeDeposit",
+                        index: index,
+                        sign: floCrypto.signData(`close-deposit#${index}`, myPrivKey)
+                    }
+                    //send request to banker
+                    floCloudAPI.sendApplicationData(request, "REQUEST")
+                        .then(result => resolve(result))
+                        .catch(error => reject(error))
+                } catch (error) {
+                    reject(error)
+                }
+            })
+        },
+
+        closeDeposit: function(reqID) {
+            this.updateAccountNetValues()
+            return new Promise(async (resolve, reject) => {
+                try {
+                    let req = this.getRequest(reqID)
+                    if (req.rtype !== "closeDeposit")
+                        throw Error('Invalid request: Request-type is not closeDeposit')
+                    //check for validity (ie no loans outstanding)
+                    let details = this.getUserDetails(req.floID)
+                    let acc = details.accounts[req.index]
+                    if (acc.type !== "deposit")
+                        throw Error(`R>Account#${req.index} is not deposit`)
+                    if (acc.status !== "active")
+                        throw Error(`R>Account#${req.index} is not active`)
+                    if (details.netTotal < acc.netAmt)
+                        throw Error(`R>Unable to close deposit: Loan amount exceeds`)
+                    //check for signature in request
+                    if (floCrypto.verifySign(`close-deposit#${req.index}`, req.sign, req.pubKey))
+                        throw Error("R>Invalid deposit signature: Re-signing required")
+                    //send tokens to user and close loan (via blockchain)
+                    let ttxid = await floBlockchainAPI.writeData(myFloID, `send ${acc.netAmt} ${floGlobals.token}# for close-deposit`, myPrivKey, req.floID)
+                    //verify token transfer
+                    let tx = await this.tokenAPI.getTx(ttxid)
+                    if (!valid(tx)) //Condition should be fixed
+                        throw Error('Token not valid')
+                    //write close-deposit in blockchain 
+                    let data = ["close-deposit", timestamp, clientID, req.index, req.pubKey, req.sign, ttxid].join('|')
+                    let btxid = await floBlockchainAPI.writeData(myFloID, data, myPrivKey, floGlobals.adminID)
+                    //send response to client
+                    let response = {
+                        requestID: reqID,
+                        rtype: "closeDeposit",
+                        status: "success",
+                        token: ttxid,
+                        txid: btxid
+                    }
+                    floCloudAPI.sendApplicationData(response, "RESPONSE", {
+                            receiverID: clientID
+                        }).then(result => resolve(response))
+                        .catch(error => reject(error))
+                } catch (error) {
+                    if (!error.message.startsWith('R>'))
+                        reject(error)
+                    else {
+                        let response = {
+                            requestID: reqID,
+                            rtype: "closeDeposit",
+                            status: "failed",
+                            reason: error.message.substring(2)
+                        }
+                        //send rejected response to client
+                        floCloudAPI.sendApplicationData(response, "RESPONSE", {
+                                receiverID: clientID
+                            }).then(result => resolve(response))
+                            .catch(error => reject(error))
+                    }
+                }
+            })
+        },
+
+        requestLoan: function(amount) {
+            this.updateAccountNetValues()
+            return new Promise((resolve, reject) => {
+                let index = this.util.myIndex + 1;
+                //check for validity of loan (ie, check if enough deposit is present)
+                let user = this.getUserDetails(myFloID)
+                if (user.netTotal <= amount)
+                    return reject("Deposit insufficient")
+                let request = {
+                    rtype: "openLoan",
+                    index: index,
+                    amount: amount,
+                    sign: floCrypto.signData(`open#${index}:loan${amount}`, myPrivKey)
+                }
+                //send request to banker
+                floCloudAPI.sendApplicationData(request, "REQUEST")
+                    .then(result => resolve(result))
+                    .catch(error => reject(error))
+            })
+        },
+
+        sendLoan: function(reqID) {
+            this.updateAccountNetValues()
+            return new Promise(async (resolve, reject) => {
+                try {
+                    let req = this.getRequest(reqID);
+                    if (req.rtype !== "openLoan")
+                        throw Error('Invalid request: Request-type is not openLoan');
+                    //verify the signature
+                    if (req.index != this.accMap[req.floID].length)
+                        throw Error(`R>Invalid index (correct index is ${this.accMap[req.floID].length})`);
+                    if (!floCrypto.verifySign(`open#${req.index}:loan${req.amount}`, req.sign, req.pubKey))
+                        throw Error("R>Invalid deposit signature: Re-signing required");
+                    //check for validity of loan (ie, check if enough deposit is present)
+                    let user = this.getUserDetails(req.floID)
+                    if (user.netTotal <= amount)
+                        return reject("Deposit insufficient");
+                    //send token to user
+                    ttxid = await floBlockchainAPI.writeData(myFloID, `send ${amount} ${floGlobals.token}# for open-loan`, myPrivKey, clientID);
+                    //verify token transfer
+                    let tx = await this.tokenAPI.getTx(ttxid)
+                    if (!valid(tx)) //Condition should be fixed
+                        throw Error('Token not valid');
+                    let data = ["open-loan", timestamp, clientID, sign, ttxid].join('|')
+                    let btxid = await floBlockchainAPI.writeData(myFloID, data, myPrivKey, floGlobals.adminID)
+                    let response = {
+                        requestID: reqID,
+                        rtype: "openLoan",
+                        status: "success",
+                        token: ttxid,
+                        txid: btxid
+                    }
+                    floCloudAPI.sendApplicationData(response, "RESPONSE", {
+                            receiverID: clientID
+                        }).then(result => resolve(result))
+                        .catch(error => reject(error))
+                } catch (error) {
+                    if (!error.message.startsWith('R>'))
+                        reject(error)
+                    else {
+                        let response = {
+                            requestID: reqID,
+                            rtype: "openLoan",
+                            status: "failed",
+                            reason: error.message.substring(2)
+                        }
+                        //send rejected response to client
+                        floCloudAPI.sendApplicationData(response, "RESPONSE", {
+                                receiverID: clientID
+                            }).then(result => resolve(response))
+                            .catch(error => reject(error))
+                    }
+                }
+            })
+        },
+
+        repayLoan: function(index) {
+            this.updateAccountNetValues()
+            return new Promise((resolve, reject) => {
+                try {
+                    let details = this.getUserDetails(myFloID)
+                    let acc = details.accounts[index]
+                    if (acc.type !== "loan")
+                        throw Error(`Account#${index} is not loan`)
+                    if (acc.status !== "active")
+                        throw Error(`Account#${index} is not active`)
+                    let bal = await this.tokenAPI.getBalance(myFloID)
+                    if (bal < acc.netAmt)
+                        throw Error('Insufficiant balance');
+                    //send token to banker floID (using floBlockchain API)
+                    let txid = await floBlockchainAPI.writeData(myFloID, `send ${acc.netAmt} ${floGlobals.token}# for close-loan`, myPrivKey, floGlobals.adminID)
+                    //send request to banker (floCloudAPI)
+                    let request = {
+                        rtype: "closeLoan",
+                        index: index,
+                        txid: txid,
+                        sign: floCrypto.signData(`close-loan#${index}:${txid}`)
+                    }
+                    floCloudAPI.sendApplicationData(request, "REQUEST")
+                        .then(result => resolve(result))
+                        .catch(error => reject(error))
+                } catch (error) {
+                    reject(error)
+                }
+            })
+        },
+
+        closeLoan: function(reqID) {
+            this.updateAccountNetValues()
+            return new Promise(async (resolve, reject) => {
+                try {
+                    //verify token tx
+                    let req = this.getRequest(reqID)
+                    if (req.rtype !== "closeLoan")
+                        throw Error('Invalid request: Request-type is not closeLoan')
+                    let tx = await this.tokenAPI.getTx(req.txid);
+                    let acc = this.getAccount(req.floID, req.index);
+                    if (tx.amount !== acc.netAmt)
+                        throw Error("R>Invalid request: Token amount insufficient")
+                    //close loan via blockchain
+                    let data = ["close-loan", timestamp, req.floID, req.index, req.pubKey, req, sign, req.txid].join('|')
+                    txid = await floBlockchainAPI.writeData(myFloID, data, myPrivKey, floGlobals.adminID)
+                    let response = {
+                        requestID: reqID,
+                        rtype: "closeLoan",
+                        status: "success",
+                        txid: txid
+                    }
+                    floCloudAPI.sendApplicationData(response, "RESPONSE", {
+                            receiverID: clientID
+                        }).then(result => resolve(result))
+                        .catch(error => reject(error))
+                } catch (error) {
+                    if (!error.message.startsWith('R>'))
+                        reject(error)
+                    else {
+                        let response = {
+                            requestID: reqID,
+                            rtype: "closeLoan",
+                            status: "failed",
+                            reason: error.message.substring(2)
+                        }
+                        //send rejected response to client
+                        floCloudAPI.sendApplicationData(response, "RESPONSE", {
+                                receiverID: clientID
+                            }).then(result => resolve(response))
+                            .catch(error => reject(error))
+                    }
+                }
+            })
+        }
+    }
+</script>
 </body>
 </html>