MEMORANDUM ASKING SEVERAL QUESTIONS THAT HAVE ARISEN IN CONNECTION WITH YOUR REVIEW OF THE SUBJECT PROGRAM. YOUR QUESTIONS AND OUR ANSWERS FOLLOW. 1.DOES SBA HAVE THE RESPONSIBILITY TO ACTIVELY IDENTIFY. SEC. 636(B)(3) PROVIDES THAT SBA IS AUTHORIZED - "(3) TO MAKE SUCH LOANS (EITHER DIRECTLY OR IN COOPERATION WITH BANKS OR OTHER LENDING INSTITUTIONS THROUGH AGREEMENTS TO PARTICIPATE ON AN IMMEDIA...