If Aegon takes King’s Landing while Stannis is stuck up north, does the Iron Bank cut their losses and try to collect the throne’s old debt from him instead? Presumably Stannis has assumed personal responsibility for the debt in exchange for the loan. Would/could he have negotiated some sort of reciprocity clause obligating them to not recognize any rival claimants?

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Well, the nice thing about being the Iron Bank is that you can offer to get rid of pesky rivals in return for prompt payments – hitting people with the carrot and enticing them with the stick, as it were.

I’m sure Stannis would have liked to have that sort of clause, but he wasn’t in a position to insist. 

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