We do our customers` current credit assessments and adjust credit limits based on customers` payment history and current creditworthiness, which is determined by checking their current credit information. Customers` account activities are continuously monitored. As a result of this review process, we identify credit losses based on historical experiences and specific customer collection issues, in order to tailor the book value of the requirement associated with its estimated realizable value. If, in the past, these credit losses were in line with the expectations and value adjustments recognized, a deterioration in the financial situation of one or more of our customers may require additional provisions for credit losses. If you need a vehicle for a shorter period, we also offer short-term rental contracts from 3 to 24 months. In certain circumstances, NBTY is limited by the terms of bonds and credit facilities guaranteed in priority dividends to holding companies. NBTY has not guaranteed the indebtedness of the holding companies and has not mortgaged any of its assets as collateral, and the Holdco ratings are not recorded on NBTY`s balance sheet. Our provision for income taxes is influenced by a number of factors, including federal taxes, our international tax structure, state tax rates in the countries where we operate, and our ability to use public tax credits that expire between 2016 and 2030. As a result, our overall effective income tax rate may vary. For the three months to December 31, 2015, net cash flows from financing activities included an additional capital payment and an excess cash payment under our long-term debt agreements. During the three months of December 31, 2014, cash outflows from the financing activity mainly concerned payments related to financing costs related to the extension of the revolving credit facility. Under the revolving credit facility, the charges are as follows: (i) an unused line fee of 0.50% per annum, based on the unused portion of the revolving credit facility; (ii) a credit entry fee corresponding to the total declared amount of each credit available in the hull in an amount equal to the margin applicable for loans at Eurodollar interest rates; (iii) a credit tax of 0.25% per annum on the daily amount of each credit to be used; and (iv) certain other usual fees and expenses of our credit providers. On 21 March 27, 2013, NBTY, Holdings, Barclays Bank PLC and several other lenders entered into the third amendment and refinancing agreements (the `second refinancing`), under which NBTY revalued its fixed-term loan B-1 under its then existing credit agreement.
Under the terms of the second refinancing, the B-1 fixed-term loan of USD 1,750,000 was replaced by a new B-2 loan in the amount of USD 1,507,500. . . .