I believe its both, now. Vis Vires should be soon. I learned that maturity dates are NOT necessarily dates that they can begin converting. Often, there are 3 dates that are important 1. Date you can pay off loan in full without penalty or conversion 2. Date they can start converting 3. Date of maturity All 3 can be different. That is what pisses me off....his PR said maturity 2016. But said NOTHING about converting earlier. I was told numerous times don't worry, notes will be paid off early, I learned my lesson. Guess what..............