Twitter says its underwriters or their affiliates are the lenders of the credit, which include Goldman Sachs, Morgan Stanley, J.P. Morgan, Bank Of America Merrill Lynch, Deutsche Bank Securities, Allen & Company LLC, and CODE Advisors. Here's how the credit line's interest and fees work: "Loans under the credit facility bear interest, at our option, at (i) a base rate based on the highest of the prime rate, the federal funds rate plus 0.50% and an adjusted LIBOR rate for a one-month interest period plus 1.00%, in each case plus a margin ranging from 0.00% to 0.75% or (ii) an adjusted LIBOR rate plus a margin ranging from 1.00% to 1.75%. This margin is determined based on our total leverage ratio for the preceding four fiscal quarter period, but will be at the highest level at least until we consummate this offering."