I'm not sure what the rules are for foreign banking? All speculative as the statement isn't clear. Perhaps a foreign bank for International distributions? Larger planned sales in Korea and Canada ----> financing. Does that mean paying off the note and filing and getting bank approval? Perhaps. Perhaps they've spoken with banking and have been given that information. Perhaps they are waiting as they expand their market share and gain enough revenue to pay off the notes with interest, retain enough for further production and distribution and expand distribution? Again, its a nebulous statement so I'm just guessing.