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M. 2013. Effect of credit risk management techniques on the performance of unsecured bank loan employed by commercial banks in Kenya. International Journal of Business and Social Research, 24, 567 612. Wachira B, T. 2015. Leading Collaboration in Online Communities. Mis Quarterly, 392. Joshi, P. 2011. Advertisers Seek to Harness the Power of the Mom Blogger The New York Times.


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If this occurs,you may lose part or all of your investment. Wewill have ongoing capital needs as we expand our business. If we raise additional funds through the sale of equity or convertiblesecurities, your ownership percentage of our common stock will be reduced. In addition, these transactions may dilute the valueof our common stock. We may have to issue securities that have rights, preferences and privileges senior to our common stock. The terms of any additional indebtedness may include restrictive financial and operating covenants that would limit our abilityto compete and expand.



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