Prior to the sale, pledge, or other use of the loans or undivided interests in pools of loans, the Arkansas Natural Resources Commission shall retain the services of a financial advisor who shall render, prior to the closing of the contemplated transaction, a fairness opinion which shall verify that:
(1) The loans are properly valued;
(2) The transaction enhancements, if any, are not excessive or unreasonable; and
(3) The terms and conditions of the contemplated transaction are fair and reasonable.