EXHIBIT A

PREPARING YOUR LOAN PROPOSAL

1.0 BRIEF DESCRIPTION OF PROJECT

2.0 SPONSORSHIP, MANAGEMENT, AND TECHNICAL ASSISTANCE:

2.1 History and business background of sponsors (borrowers), including financial information.

2.2 Proposed management arrangements and names and curricula vitae of managers.

2.3 Description of technical arrangements and other external assistance (management, production, marketing, finance, etc.).

3.0 MARKETING AND SALES

3.1 Basic market orientation - local, national, regional, or export.

3.2 Projected production volumes, unit prices, sales objectives, and market share of proposed venture.

3.3 Potential users of products and distribution channels to be used.

3.4 Present sources of supply for products.

3.5 Future competition and possibility that market may be satisfied by substitute products.

3.6 Tariff protection or import restriction affecting products,

3.7 Critical factors that determine market potential.

4.0 TECHNICAL FEASIBILITY, MANPOWER, RAW MATERIAL RESOURCES, AND ENVIRONMENT:

4.1 Brief description of manufacturing process. Possible suppliers of equipment.

4.2 Comment on special technical complexities and need for know-how and special skills.

4.3 Availability of manpower and of infrastructure facilities (transport and communications, power, water,etc.).

4.4 Breakdown of projected operating costs by major categories of expenditures.

4.5 Sources, cost, and quality of raw material supply and relations with support industries.Import restrictions on required raw materials.

4.6 Proposed plant location in relation to suppliers,markets, infrastructure, and manpower. Proposed plant size in comparison with other known plants.

4.7 Potential environmental issues are addressed.

5.0 INVESTMENT REQUIREMENTS, PROJECT FINANCING, AND RETURNS:

5.1 Estimate of total project cost, broken down into land, construction, installed equipment, and working capital, indicating foreign exchange component.

5.2 Proposed financial structure of venture, indicating expected sources, and terms of equity and debt financing. Type of financing in need - straight loan, equity,or both, and amount. Projected financial statements, profitability analysis.

5.3 Critical factors determining profitability analysis.

6.0 GOVERNMENT SUPPORT AND REGULATIONS.