(Exhibit A - Loan Agreement)

NOTICE OF BORROWING

_______________________
Date

_______________________
_______________________
_______________________

Dear Mr./Ms. _________________:

We hereby give notice, in accordance with Section 2.03 of our Loan Agreement dated
___________________________, of our intent to borrow the amount of
_________________________________________________(P_____________) on
____________________.

By delivery of this notice, we hereby confirm to you that the conditions precedent
specified in Section 2.04 of the Loan Agreement have been satisfied on the date
hereof.

The terms and conditions defined in the Loan Agreement bear the same meanings
herewith.

Very truly yours,

________________________
Authorized Signatory

(For HCFL [Circular 257] )