21.   It is prudent to seekassistance from banks to restructure the maturity of short term loans.

22.   More serious is the steady decline in the money market rate which has not shown any impact on term loans and general interest rates.

23.   No details on the loan terms were available.

24.   Once it acquires the loans, the agency will uniformly change loan terms to five years and charge prevailing interest rates.

25.   Proceeds from the offering will go to repay company term loans and reduce the revolving portion of its credit agreement.

26.   That could mean businesses would be unable to renegotiate their loan terms and consumers would be more exposed to bankruptcy.

27.   Some of the money will be used to provide short term loans to ordinary citizens.

28.   The auditors also pointed out that a subsidiary company has contravened certain covenants relating to its long term loans.

29.   The bank also plans to boost gross domestic product through providing medium and long term loans.

30.   The group said Household uses practices that include exorbitant interest rates, overpriced credit insurance and misrepresented loan terms.