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 Copyright by Glue Software, Inc. Copying, distributing or 3rd party website posting impressly prohibited and constitutes copyright violation the payback period (1-year, 5-years, 10-years) and the company's balance sheet strength as measured primarily by its debt-assets ratio and cash on hand. O its current ratio, the payback period of the loan (1-year, 5-years, 10-years), whether the company's year-ending cash balance is above/below its interest payments in the upcoming year, and the prevailing interest rates worldwide. O how much the company has already borrowed against its $50 million line of credit with the bank and the flexibility the company has to use a high percentage of its free cash flows (defined as net income plus depreciation less dividend payments) to make its interest payments. O the payback period (1-year, 5-years, 10-years), the company's current credit rating, and going interest rates in world financial markets. O the payroll period (1-year, 5-years, 10-years), the company's current credit rating, and going rates or return in world financial markets.