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[Music] hello and welcome to another short video from elvin capital create guide series focusing on banking and finance issues that cfos and treasury managers may find helpful this series is devoted to credit agreements this video and this whole series is brought to you by elding capital your corporate finance advisor so without further ado lets go to our topic for today which is revolving facility one short clarification right at the beginning in order not to make matters messy later when legal documents including facilities agreements term sheets and syndication documents especially those based on the standards of the loan market association refer to a revolving facility what they have in mind is an umbrella term for a facility that can take a form of a revolving facility strictly speaking or also referred to as casual building facility letter of credit facility an overdraft facility or a treasury facility for the purpose of this video when we talk about a revolving facility we are