; and (C) may charge for the review of any project proposal in such amount as may be approved by the Board to cover the costs of such review. (6) Refinancing Subject to a full audit of the project and borrower, and subject to Board review, the Bank may extend the time limit for repayment of a loan, through renewal, substitution of new obligations, or other wise, with the maximum time for such renewal to be approved by the Board. The Bank may make such further loans as necessary for project completion, or to assure loan repayment. (7) Prohibition on other loans The Bank may not provide loans to consumers or any other loans not described under this Act. (g) Capital for loan disbursements Once chartered as a national bank, the Bank is authorized to create funds in a deposit account in a borrowers name, in accordance with the loan agreement, and each scheduled loan disbursement as it is made. The Bank shall draw up an Aggregate Loan Disbursement Plan, in consultation with the Comptroller of the Currency and the Board of Governors of the Federal Reserve System. (h) Net earnings After meeting current obligations, the Bank is authorized to use its earnings, and all moneys which have been or may hereafter be allocated to or borrowed by it, in the exercise of its functions. From those monies, the Bank shall set aside loan loss provisions equal to a proportion of loan book value, as determined appropriate by the Board. Net earnings of the Bank, after setting aside loan loss provisions and estimated forward cash flow needs, shall be used for the payment of dividends to the United States Treasury, in an annual amount to be determined by the Board. Any residual net earnings shall be deposited into a Trust Fund to subsidize loans for disadvantaged communities that are not able to repay infrastructure loans on normal loan terms, in a manner to be determined by the Board. Any direct Federal contributions from the budget for the purpose of subsidizing disadvantaged communities may also be added and utilized via the Trust Fund.