The Global Community Bank, under terms of its long$-$term

banking agreement with the company, has agreed to lend the

company additional monies should you elect to use debt to help

finance growth and other financial needs; the interest rate the

GCB will charge on such loans is tied to the payback period $(1-$

year, $5-$years, $10-$years$)$ and to

the company's debt$-$assets ratio and gross profit margin.

the company's balance sheet strength, dividend payout

ratio, most recent year earnings per share.

the company's net profit margin, current ratio, and current

credit rating.

the company's current credit rating and its earnings per

share for the most recent two years.

the going rates of interest in world financial markets and the

company's current credit rating.