Be careful the terms you use. Recently, a banker who will remain nameless lost my business using the terms “widget” and “term you out”. Never call a company’s product a widget unless you intend to insult the company. Second, even if you think that a loan should be converted from a line of credit to a term loan, have the decency to explain the reasoning and use a term that does not sound so much like “turn you out”!
I don’t think there is much more to say on this subject.