This sounds like I'm going out to buy a car for $10,000 and instead of getting a loan for $10,000 I get a loan for $14,000 because I might want to do some upgrades, get new tires, or fix something on the car.
What this sounds like is you're asking for more money than you need because you may want to use it in the future to invest in this bank some more. Am I misunderstanding it?