Punctuation for questions (How can a bank have exposure to a bond insurer who...)

[Musicgold]

Hi,

Can you please review the following sentences for grammatical and punctuation errors?

1. How can a bank have exposure to a bond insurer who has insured the bank’s holdings? I don’t understand why the bank has to take write-offs when the insurer is downgraded.

2. With regards to the mortgage portfolio in the news, does the bank hold those mortgages in its loan portfolio or in its surplus portfolio?

Thanks,

MG.