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Officials at Global Community Bank, under terms of its long - term banking agreement with the company, have agreed to lend thecompany additional monies should

Officials at Global Community Bank, under terms of its long-term banking agreement with the company, have agreed to lend thecompany additional monies should you elect to use debt to help finance growth and other financial needs; the interest rate that willbe charged on such loans is tied toO the payback period (1-year, 5-years, 10-years) and whether the company's gross profit margins, operating profit margins, andnet profit margins the previous two years are above/below the industry averages and by how much.O the company's net profit margin the past two years, the percentage of free cash flows (defined as net income plus depreciationless dividend payments) the company has the ability to use to make interest payments, and the company's current credit rating.O how much the company has already borrowed against its ongoing $100 million line of credit and the size of its free cash flows(defined as net income plus depreciation less dividend payments) the past two years.O the company's current credit rating, going rates of return in world financial markets, and the paycheck period (1-week, 5-weeks,10-weeks).the company's current credit rating, going rates of interest in world financial markets, and the payback period (1-year, 5-years,10-years).

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