Common use of Change in Circumstances Clause in Contracts

Change in Circumstances. 44 8.01 Basis for Determining Interest Rate Inadequate or Unfair ........ 44 8.02 Illegality ...................................................... 44 8.03 Increased Cost and Reduced Return ............................... 45 8.04 Base Rate Loans Substituted for Affected Fixed Rate Loans ....... 46 ARTICLE IX

Change in Circumstances. 44 8.01 SECTION 8.01. Basis for Determining Interest Rate Interest Rate Inadequate or Unfair ........ 44 8.02 Illegality ...................................................... 44 8.03 Unfair..........66 SECTION 8.02. Illegality......................................................................67 SECTION 8.03. Increased Cost and Reduced Return ............................... 45 8.04 Return...............................................67 SECTION 8.04. Taxes...........................................................................69 SECTION 8.05. Base Rate Loans Substituted for Affected Fixed Rate Loans ....... 46 ARTICLE IXEuro-Dollar Loans......................71 SECTION 8.06. Substitution of Bank............................................................72

Change in Circumstances. 44 8.01 53 SECTION 8.01. Basis for Determining Interest Rate Inadequate or Unfair ........ 44 8.02 Illegality ...................................................... 44 8.03 Unfair.......................... 53 SECTION 8.02. Illegality........................................................................ 53 SECTION 8.03. Increased Cost and Reduced Return ............................... 45 8.04 Base Rate Loans Substituted for Affected Fixed Rate Loans ....... 46 ARTICLE IXReturn................................................. 54 SECTION 8.04.

Change in Circumstances. 44 SECTION 8.01 Basis for Determining Interest Rate Inadequate or Unfair ........ 44 Unfair................ 48 8.02 Illegality ...................................................... 44 Illegality............................... 49 8.03 Increased Cost and Reduced Return ............................... 45 Return........ 50 8.04 Taxes.................................... 52 8.05 Base Rate Loans Substituted for Affected Fixed Rate Loans ....... 46 Loans................ 54 8.06 Substitution of a Bank................... 55 ARTICLE IXIX MISCELLANEOUS

Change in Circumstances. 44 8.01 39 SECTION 8.01. Basis for Determining Interest Rate Inadequate or Unfair ........ 44 8.02 Illegality ...................................................... 44 8.03 Unfair... 39 SECTION 8.02. Illegality................................................. 39 SECTION 8.03. Increased Cost and Reduced Return ............................... 45 8.04 Return.......................... 40 SECTION 8.04. Base Rate Loans Substituted for Affected Fixed Rate Loans ....... 46 ARTICLE IXLoans.. 41 SECTION 8.05. HLT Classification......................................... 42

Change in Circumstances. 44 8.01 Section 8.01. Basis for For Determining Interest Rate Inadequate or Unfair ........ 44 8.02 Illegality ...................................................... 44 8.03 Or Unfair............................................57 Section 8.02. Illegality..........................................................................................57 Section 8.03. Increased Cost and And Reduced Return ............................... 45 8.04 Return...................................................................58 Section 8.04. Base Rate Loans Substituted for For Affected Fixed Rate Loans ....... 46 ARTICLE IXLoans...........................................59

Change in Circumstances. 44 8.01 Section 8.01. Basis for Determining Interest Rate Inadequate or Unfair ........ 44 8.02 Illegality ...................................................... 44 8.03 Unfair.......85 Section 8.02. Illegality.....................................................86 Section 8.03. Increased Cost and Reduced Return ............................... 45 8.04 Return..............................87 Section 8.04. Taxes..........................................................89 Section 8.05. Base Rate Loans Substituted for Affected Fixed Rate Loans ....... 46 ARTICLE IXLoans......91 Section 8.06. Substitution of Bank...........................................92

Change in Circumstances. 44 8.01 SECTION 8.01. Basis for Determining Determination Interest Rate Inadequate or Unfair ........ 44 8.02 Illegality ...................................................... 44 8.03 Unfair......................................................... 47 SECTION 8.02. Illegality..................................................... 48 SECTION 8.03. Increased Cost and Reduced Return ............................... 45 8.04 Return.............................. 48 SECTION 8.04. Taxes.......................................................... 50 SECTION 8.05. Base Rate Loans Substituted for Affected Fixed Rate Loans ....... 46 Loans...... 52 SECTION 8.06. Substitution of Bank........................................... 52 ARTICLE IX9 GUARANTY SECTION 9.01. The Guaranty................................................... 53 SECTION 9.02.

Change in Circumstances. 44 8.01 SECTION 8.01. Basis for Determining Interest Rate Inadequate or Unfair ........ 44 8.02 ............................. 45 SECTION 8.02. Illegality ...................................................... 44 8.03 ....................................... 46 SECTION 8.03. Increased Cost and Reduced Return ............................... 45 8.04 ................ 47 SECTION 8.04. Base Rate Loans Substituted for Affected Fixed Rate Loans ....... 46 ARTICLE IX................................. 49

Change in Circumstances. 44 8.01 25 Section 8.01. Basis for Determining Interest Rate Inadequate or Unfair ........ 44 8.02 Illegality ...................................................... 44 8.03 Unfair.....................................25 Section 8.02. Illegality...............................................25 Section 8.03. Increased Cost and Reduced Return ............................... 45 8.04 Return........................26 Section 8.04. Taxes....................................................27 Section 8.05. Base Rate Loans Substituted for Affected Fixed Rate Loans ....... 46 Loans.........................................28 Section 8.06. Substitution of Bank.....................................28 ARTICLE IX9 MISCELLANEOUS...............................................28

Change in Circumstances. 44 8.01 SECTION 8.01. Basis for Determining Interest Rate Inadequate or Unfair ........ Unfair........................44 8.02 Illegality ...................................................... 44 8.03 SECTION 8.02. Illegality......................................................................45 SECTION 8.03. Increased Cost and Reduced Return ............................... Return...............................................45 8.04 SECTION 8.04. Taxes...........................................................................47 SECTION 8.05. Base Rate Loans Substituted for Affected Fixed Rate Loans ....... 46 ARTICLE IXLoans.......................48

Change in Circumstances. 44 8.01 Section 8.01. Basis for Determining Interest Rate Inadequate or Unfair ........ 44 8.02 .. 51 Section 8.02. Illegality ...................................................... 44 8.03 ................................................ 51 Section 8.03. Increased Cost and Reduced Return ............................... 45 8.04 ......................... 52 Section 8.04. Base Rate Loans Substituted for Affected Fixed Rate Loans ....... 46 ARTICLE IX.................................................... 53

Change in Circumstances. 44 8.01 SECTION 8.01. Basis for Determining Interest Rate Inadequate or Unfair ........ 44 8.02 Illegality ...................................................... 44 8.03 or................................. 53 SECTION 8.02. Illegality.................................... 54 SECTION 8.03. Increased Cost and Reduced Return ............................... 45 8.04 Return............. 55 SECTION 8.04. Base Rate Loans Substituted for Affected Fixed Rate Loans ....... 46 Loans..................... 57 SECTION 8.05. Election to Terminate......................... 58 Page ARTICLE IX

Change in Circumstances. 44 8.01 SECTION 8.01. Basis for Determining Interest Rate Inadequate or Unfair ........ .....43 SECTION 8.02. Illegality ...................................................44 8.02 Illegality ...................................................... 44 8.03 SECTION 8.03. Increased Cost and Reduced Return ............................... ............................45 8.04 SECTION 8.04. Taxes ........................................................46 SECTION 8.05. Base Rate Loans Substituted for Affected Fixed Rate Loans ....... 46 ARTICLE IX....48 SECTION 8.06. Substitution of Bank; Termination Option .....................49

Change in Circumstances. 44 8.01 SECTION 8.01. Basis for Determining Interest Rate Inadequate or Unfair ........ 44 8.02 ..... 50 SECTION 8.02. Illegality ...................................................... 44 8.03 ................................................... 50 SECTION 8.03. Increased Cost and Reduced Return ............................... 45 8.04 ............................ 51 SECTION 8.04. Taxes ........................................................ 52 SECTION 8.05. Base Rate Loans Substituted for Affected Fixed Rate Loans ....... 46 ARTICLE IX.... 55 SECTION 8.06. Substitution of Bank; Termination Option ..................... 55

Change in Circumstances. 44 8.01 Section 8.01. Basis for Determining Interest Rate Inadequate or Unfair ........ 44 8.02 Illegality ...................................................... 44 8.03 Unfair.......................................... 45 Section 8.02. Illegality......................................... 45 Section 8.03. Increased Cost and Reduced Return ............................... 45 8.04 Return.................. 46 Section 8.04. Base Rate Loans Substituted for Affected Fixed Rate Loans ....... 46 ARTICLE IXLoans...................................... 47 Section 8.05.

Change in Circumstances. 44 8.01 SECTION 8.1. Basis for Determining Interest Rate Inadequate or Unfair ........ ................................................. 44 8.02 SECTION 8.2. Illegality ...................................................... 44 8.03 ................................................ 45 SECTION 8.3. Increased Cost and Reduced Return ............................... Return.......................... 45 8.04 SECTION 8.4. Base Rate Loans Substituted for Affected Fixed Rate Loans ....... 46 ARTICLE IX................................................ 47 SECTION 8.5. Substitution of Bank ...................................... 47

Change in Circumstances. 44 8.01 SECTION 8.01. Basis for Determining Interest Rate Inadequate or Unfair ........ 44 8.02 Illegality ...................................................... 44 8.03 Unfair.......57 SECTION 8.02. Illegality.....................................................58 SECTION 8.03. Increased Cost and Reduced Return ............................... 45 8.04 Return..............................58 SECTION 8.04. Taxes..........................................................60 SECTION 8.05. Base Rate Loans Substituted for Affected Fixed Rate Loans ....... 46 ARTICLE IXLoans......62

Change in Circumstances. 44 8.01 SECTION 8.01. Basis for Determining Interest Rate Inadequate or Unfair ........ 44 8.02 Illegality ...................................................... 44 8.03 Unfair.......55 SECTION 8.02. Illegality.....................................................56 SECTION 8.03. Increased Cost and Reduced Return ............................... 45 8.04 Return..............................57 SECTION 8.04. Taxes..........................................................58 SECTION 8.05. Base Rate Loans Substituted for Affected Fixed Rate Loans ....... 46 ARTICLE IXLoans......60 SECTION 8.06.

Change in Circumstances. 44 8.01 SECTION 8.1. Basis for Determining Interest Rate Inadequate or Unfair ........ 44 8.02 Illegality ...................................................... 44 8.03 Unfair.......47 SECTION 8.2. Illegality.....................................................47 SECTION 8.3. Increased Cost and Reduced Return ............................... 45 8.04 Return..............................48 SECTION 8.4. Taxes..........................................................50 SECTION 8.5. Base Rate Loans Substituted for Affected Fixed Rate Loans ....... 46 ARTICLE IXLoans......51 SECTION 8.6.

Change in Circumstances. 44 8.01 SECTION 8.01. Basis for Determining Interest Rate Inadequate or Unfair ........ 44 8.02 Illegality ...................................................... 44 8.03 Unfair.........................................46 SECTION 8.02. Illegality.......................................................................................47 SECTION 8.03. Increased Cost and Reduced Return ............................... 45 8.04 Return................................................................47 SECTION 8.04. Taxes............................................................................................49 SECTION 8.05. Base Rate Loans Substituted for Affected Fixed Rate Loans ....... 46 ARTICLE IXLoans........................................50 SECTION 8.06. Substitution of Bank.............................................................................51

Change in Circumstances. 44 8.01 SECTION 8.1 Basis for Determining Interest Rate Inadequate or Unfair ........ 44 8.02 Illegality ...................................................... 44 8.03 Unfair......60 SECTION 8.2 Illegality....................................................61 SECTION 8.3 Increased Cost and Reduced Return ............................... 45 8.04 Return.............................61 SECTION 8.4 Taxes.........................................................62 SECTION 8.5 Base Rate Loans Substituted for Affected Fixed Rate Loans ....... 46 Loans.....63 ARTICLE IXIX MISCELLANEOUS ii 99

Change in Circumstances. 44 8.01 Basis for Determining Section 8.01. Inability to Determine Interest Rate Inadequate or Unfair ........ 44 8.02 Illegality ...................................................... 44 8.03 Rate.................... 39 Section 8.02. Illegality.............................................. 40 Section 8.03. Increased Cost and Reduced Return ............................... 45 8.04 Return....................... 40 Section 8.04. Taxes................................................... 42 Section 8.05. Base Rate Loans Substituted for Affected Fixed Rate Loans ....... 46 ARTICLE IXLoans................................................ 43 Section 8.06. Addition, Termination or Substitution of Banks.......... 44

Change in Circumstances. 44 8.01 SECTION 8.01. Basis for Determining Interest Rate Inadequate or Unfair ........ 44 8.02 Illegality ...................................................... 44 8.03 Unfair..........................................55 SECTION 8.02. Illegality.........................................56 SECTION 8.03. Increased Cost and Reduced Return ............................... 45 8.04 Return..................57 SECTION 8.04. Taxes..............................................58 SECTION 8.05. Base Rate Loans Substituted for Affected Fixed Rate Loans ....... 46 Loans......................................60 SECTION 8.06. Substitution of Bank...............................61 ARTICLE IX9 MISCELLANEOUS

Change in Circumstances. 44 8.01 SECTION 8.01. Basis for Determining Interest Rate Inadequate or Unfair ........ 44 8.02 ..................................51 SECTION 8.02. Illegality ...................................................... 44 8.03 ............................................52 SECTION 8.03. Increased Cost and Reduced Return ............................... 45 8.04 .....................52 SECTION 8.04. Taxes .................................................54 SECTION 8.05. Base Rate Loans Substituted for Affected Fixed Rate Loans ....... 46 ARTICLE IX.............................56 SECTION 8.06.

Change in Circumstances. 44 8.01 Section 8.01. Basis for Determining Interest Rate Inadequate or Unfair ........ 44 8.02 Illegality ...................................................... 44 8.03 Unfair.......59 Section 8.02. Illegality.....................................................60 Section 8.03. Increased Cost and Reduced Return ............................... 45 8.04 Return..............................61 Section 8.04. Taxes..........................................................63 Section 8.05. Base Rate Loans Substituted for Affected Fixed Rate Loans ....... 46 ARTICLE IXLoans......66 Section 8.06. Substitution of Bank...........................................66

Change in Circumstances. 44 8.01 SECTION 8.01. Basis for Determining Interest Rate Inadequate or Unfair ........ 44 8.02 .................................... 45 SECTION 8.02. Illegality ...................................................... 44 8.03 .............................................. 46 SECTION 8.03. Increased Cost and Reduced Return ............................... 45 8.04 ....................... 47 SECTION 8.04. Base Rate Loans Substituted for Affected Fixed Rate Loans ....... 46 ARTICLE IX........................................ 49

Change in Circumstances. 44 8.01 Section 8.1. Basis for Determining Interest Rate Inadequate or Unfair ........ 44 8.02 Illegality ...................................................... 44 8.03 Unfair..............................................51 Section 8.2. Illegality.............................................52 Section 8.3. Increased Cost and Reduced Return ............................... 45 8.04 Return......................52 Section 8.4. Taxes..................................................54 Section 8.5. Base Rate Loans Substituted for Affected Fixed Rate Loans ....... 46 ARTICLE IXLoans.............................................56 Section 8.6. Substitution of Bank...................................56

Change in Circumstances. 44 8.01 SECTION 8.01. Basis for Determining Interest Rate Inadequate or Unfair ........ 44 8.02 Illegality ...................................................... 44 8.03 Unfair.................................... 94 SECTION 8.02. Illegality............................................... 94 SECTION 8.03. Increased Cost and Reduced Return ............................... 45 8.04 Return........................ 95 SECTION 8.04. Base Rate Loans Substituted for Affected Fixed Rate Loans ....... 46 ARTICLE IXLoans............................... 97 SECTION 8.05.

Change in Circumstances. 44 8.01 SECTION 8.01. Basis for Determining Interest Rate Inadequate or Unfair ........ 44 8.02 Illegality ...................................................... 44 8.03 Unfair......75 SECTION 8.02. Illegality....................................................76 SECTION 8.03. Increased Cost and Reduced Return ............................... 45 8.04 Return.............................77 SECTION 8.04. Taxes.........................................................78 SECTION 8.05. Base Rate Loans Substituted for Affected Fixed Rate Loans ....... 46 Rate...........80 ARTICLE IX9 MISCELLANEOUS

Change in Circumstances. 44 8.01 SECTION 8.01. Basis for Determining Interest Rate Inadequate or Unfair ........ 44 8.02 Illegality ...................................................... 44 8.03 Unfair.......48 SECTION 8.02. Illegality.....................................................48 SECTION 8.03. Increased Cost and Reduced Return ............................... 45 8.04 Return..............................49 SECTION 8.04. Taxes..........................................................51 SECTION 8.05. Base Rate Loans Substituted for Affected Fixed Rate Loans ....... 46 ARTICLE IXLoans......52 SECTION 8.06. Substitution of Bank...........................................53

Change in Circumstances. 44 8.01 SECTION 8.01. Basis for Determining Interest Rate Inadequate or Unfair ........ 44 8.02 Illegality ...................................................... 44 8.03 Unfair........................48 SECTION 8.02. Illegality......................................................................49 SECTION 8.03. Increased Cost and Reduced Return ............................... 45 8.04 Return...............................................49 SECTION 8.04. Taxes...........................................................................51 SECTION 8.05. Base Rate Loans Substituted for Affected Fixed Rate Loans ....... 46 ARTICLE IXLoans.......................53 SECTION 8.06. Substitution of Bank............................................................53

Change in Circumstances. 44 8.01 SECTION 10.01. Basis for Determining Interest Rate Inadequate or Unfair ........ 44 8.02 Illegality ...................................................... 44 8.03 Unfair.......................................75 SECTION 10.02. Illegality......................................76 SECTION 10.03. Increased Cost and Reduced Return ............................... 45 8.04 Return...............76 SECTION 10.04. Taxes...........................................78 SECTION 10.05. Base Rate Loans Substituted for Affected Fixed Rate Loans ....... 46 Loans......................................80 SECTION 10.06. Borrower's Right to Replace Banks...............80 ARTICLE IX11 MISCELLANEOUS

Change in Circumstances. 44 8.01 SECTION 8.01. Basis for Determining Interest Rate Inadequate or Unfair ........ 44 8.02 ... 35 SECTION 8.02. Illegality ...................................................... 44 8.03 ................................................. 36 SECTION 8.03. Increased Cost and Reduced Return ............................... 45 8.04 .......................... 36 SECTION 8.04. Taxes ...................................................... 38 SECTION 8.05. Base Rate Loans Substituted for Affected Fixed Rate Loans ....... 46 ARTICLE IX.. 39

Change in Circumstances. 44 SECTION 8.01 Basis for Determining Interest Rate Inadequate or Unfair ........ 44 Unfair.................. 50 8.02 Illegality ...................................................... 44 Illegality................................... 51 8.03 Increased Cost and Reduced Return ............................... 45 Return............ 51 8.04 Taxes........................................ 53 8.05 Base Rate Loans Substituted for Affected Fixed Rate Loans ....... 46 Loans.................. 55 ARTICLE IXIX MISCELLANEOUS

Change in Circumstances. 44 8.01 Section 8.01. Basis for Determining Interest Rate Inadequate or Unfair ........ 44 8.02 Illegality ...................................................... 44 8.03 Unfair.......59 Section 8.02. Illegality.....................................................59 Section 8.03. Increased Cost and Reduced Return ............................... 45 8.04 Return..............................60 Section 8.04. Taxes..........................................................61 Section 8.05. Base Rate Loans Substituted for Affected Fixed Rate Loans ....... 46 ARTICLE IXLoans......63 Section 8.06. Substitution of Lenders........................................64

Change in Circumstances. 44 8.01 SECTION 8.01. Basis for Determining Interest Rate Inadequate or Unfair ........ 44 8.02 Illegality ...................................................... 44 8.03 Unfair................... 65 SECTION 8.02. Illegality............................... 66 SECTION 8.03. Increased Cost and Reduced Return ............................... 45 8.04 Return........ 66 SECTION 8.04. Taxes.................................... 68 SECTION 8.05. Base Rate Loans Substituted for Affected Fixed Rate Loans ....... 46 Loans....................... 70 ARTICLE IXIX MISCELLANEOUS

Change in Circumstances. 44 8.01 71 SECTION 9.1. Basis for Determining Interest Rate Inadequate Inaccurate or Unfair ........ 44 8.02 Illegality ...................................................... 44 8.03 Unfair....................................71 SECTION 9.2. Illegality..................................................................................72 SECTION 9.3. Increased Cost and Reduced Return ............................... 45 8.04 Return...........................................................72 SECTION 9.4. Taxes.......................................................................................73 SECTION 9.5. Base Rate Loans Substituted for Affected Fixed Rate Loans ....... 46 ARTICLE IXLoans...................................75

Change in Circumstances. 44 8.01 SECTION 8.01. Basis for Determining Interest Rate Inadequate or Unfair ........ 44 8.02 Illegality ...................................................... 44 8.03 Unfair........................55 SECTION 8.02. Illegality......................................................................56 SECTION 8.03. Increased Cost and Reduced Return ............................... 45 8.04 Return...............................................57 SECTION 8.04. Taxes...........................................................................58 SECTION 8.05. Base Rate Loans Substituted for Affected Fixed Rate Loans ....... 46 Loans.......................60 SECTION 8.06. Substitution of Bank............................................................61 ARTICLE IX9 MISCELLANEOUS

Change in Circumstances. 44 8.01 SECTION 8.01. Basis for Determining Interest Rate Inadequate or Unfair ........ 44 8.02 Illegality ...................................................... 44 8.03 Unfair........................47 SECTION 8.02. Illegality......................................................................48 SECTION 8.03. Increased Cost and Reduced Return ............................... 45 8.04 Return...............................................49 SECTION 8.04. Taxes...........................................................................50 SECTION 8.05. Base Rate Loans Substituted for Affected Fixed Rate Loans ....... 46 ARTICLE IXLoans.......................52 SECTION 8.06. Substitution of Bank............................................................53

Change in Circumstances. 44 8.01 Section 8.01. Basis for Determining Interest Rate Inadequate or Unfair ........ 44 8.02 Illegality ...................................................... 44 8.03 Unfair.......83 Section 8.02. Illegality.....................................................84 Section 8.03. Increased Cost and Reduced Return ............................... 45 8.04 Return..............................84 Section 8.04. Taxes..........................................................87 Section 8.05. Base Rate Loans Substituted for Affected Fixed Rate Loans ....... 46 ARTICLE IXLoans......89 Section 8.06. Substitution of Bank...........................................90

Change in Circumstances. 44 8.01 91 SECTION 8.1. Basis for Determining Interest Rate Inadequate or Unfair ........ 44 8.02 Illegality ...................................................... 44 8.03 Unfair..................... 91 SECTION 8.2. Illegality................................................................... 91 SECTION 8.3. Increased Cost and Reduced Return ............................... 45 8.04 Return............................................ 92 SECTION 8.4. Taxes........................................................................ 94 SECTION 8.5. Base Rate Loans Substituted for Affected Fixed Rate Loans ....... 46 TIBOR Loans......................... 97 ARTICLE IXIX MISCELLANEOUS.................................................................. 97

Change in Circumstances. 44 52 8.01 Basis for Determining Interest Rate Inadequate or Unfair ........ 44 Unfair.....................................................................................52 8.02 Illegality ...................................................... 44 Illegality....................................................................................52 8.03 Increased Cost and Reduced Return ............................... 45 Return.............................................................53 8.04 Base Rate Loans Substituted for Affected Fixed Rate Loans ....... 46 Loans.................................................................................54 ARTICLE IX

Change in Circumstances. 44 8.01 Section 8.01. Basis for Determining Determination Interest Rate Inadequate or Unfair ........ 44 8.02 Illegality ...................................................... 44 8.03 Unfair................................................................................... 41 Section 8.02. Illegality........................................................................ 42 Section 8.03. Increased Cost and Reduced Return ............................... 45 8.04 Return................................................. 42 Section 8.04. Taxes............................................................................. 44 Section 8.05. Base Rate Loans Substituted for Affected Fixed Rate Loans ....... Loans......................... 46 ARTICLE IXSection 8.06. Substitution of Bank.............................................................. 47

Change in Circumstances. 44 8.01 SECTION 8.01. Basis for Determining Interest Rate Inadequate or Unfair ........ 44 8.02 Illegality ...................................................... 44 8.03 Unfair....................................... 72 SECTION 8.02. Illegality................................................... 73 SECTION 8.03. Increased Cost and Reduced Return ............................... 45 8.04 Return............................ 74 SECTION 8.04. Taxes........................................................ 75 SECTION 8.05. Base Rate Loans Substituted for Affected Fixed Rate Loans ....... 46 Loans........................................... 77 ARTICLE IXIX MISCELLANEOUS

Change in Circumstances. 44 8.01 SECTION 8.01. Basis for Determining Interest Rate Inadequate or Unfair ........ 44 8.02 Illegality ...................................................... 44 8.03 Unfair........................ 60 8.02. Illegality...................................................................... 61 8.03. Increased Cost and Reduced Return ............................... 45 8.04 Return............................................... 62 8.04. Base Rate Loans Substituted for Affected Fixed Rate Loans ....... 46 ARTICLE IXLoan........................ 64 8.05.

Change in Circumstances. 44 SECTION 8.01 Basis for Determining Interest Rate Inadequate or Unfair ........ 44 Unfair................................ 43 8.02 Illegality ...................................................... Illegality.................................................... 44 8.03 Increased Cost and Reduced Return ............................... 45 Return............................. 44 8.04 Taxes...................................................... 46 8.05 Base Rate Loans Substituted for Affected Fixed Rate Loans ....... 46 ARTICLE IXLoans................................ 49 8.06

Change in Circumstances. 44 8.01 SECTION 8.01. Basis for Determining Interest Rate Inadequate or Unfair ........ 44 8.02 Illegality ...................................................... 44 8.03 Unfair........................50 SECTION 8.02. Illegality......................................................................51 SECTION 8.03. Increased Cost and Reduced Return ............................... 45 8.04 Return...............................................51 SECTION 8.04. Base Rate Loans Substituted for Affected Fixed Rate Loans ....... 46 ARTICLE IXLoans.......................54

Change in Circumstances. 44 8.01 Section 9.1. Basis for Determining Interest Rate Inadequate or Unfair ........ 44 8.02 Illegality ...................................................... 44 8.03 Unfair.............................................. 46 Section 9.2. Illegality............................................ 46 Section 9.3. Increased Cost and Reduced Return ............................... 45 8.04 Return..................... 47 Section 9.4. Taxes................................................. 48 Section 9.5. Base Rate Loans Substituted for Affected Fixed Rate Loans ....... 46 ARTICLE IXLoans............................................... 50

Change in Circumstances. 44 8.01 SECTION 8.01. Basis for Determining Interest Rate Inadequate or Unfair ........ 44 8.02 Illegality ...................................................... 44 8.03 Unfair................................... 37 SECTION 8.02. Illegality................................................................................. 37 SECTION 8.03. Increased Cost and Reduced Return ............................... 45 8.04 Return.......................................................... 38 SECTION 8.04. Taxes...................................................................................... 39 SECTION 8.05. Base Rate Loans Substituted for Affected Fixed Rate Loans ....... 46 ARTICLE IXLoans.................................. 41 PAGE ----

Change in Circumstances. 44 8.01 SECTION 8.01. Basis for Determining Interest Rate Inadequate or Unfair ........ 44 8.02 Illegality ...................................................... 44 8.03 Unfair....50 SECTION 8.02. Illegality..................................................50 SECTION 8.03. Increased Cost and Reduced Return ............................... 45 8.04 Base Return...........................51 SECTION 8.04. Alternative Rate Loans Substituted for Affected Fixed Rate Loans ....... 46 ARTICLE IXLoans.......52 SECTION 8.05. Determination of Alternative Rate; Prepayment of Certain Affected Loans..............................................52 SECTION 8.06. Substitution of Bank........................................53

Change in Circumstances. 44 8.01 SECTION 8.01. Basis for Determining Interest Rate Inadequate or Unfair ........ 44 8.02 ......59 SECTION 8.02. Illegality ...................................................... 44 8.03 ....................................................60 SECTION 8.03. Increased Cost and Reduced Return ............................... 45 8.04 .............................60 SECTION 8.04. Taxes .........................................................62 SECTION 8.05. Base Rate Loans Substituted for Affected Fixed Rate Loans ....... 46 ARTICLE IX...........63

Change in Circumstances. 44 8.01 SECTION 8.01. Basis for Determining Interest Rate Inadequate or Unfair ........ 44 8.02 Illegality ...................................................... 44 8.03 Unfair.......54 SECTION 8.02. Illegality.....................................................55 SECTION 8.03. Increased Cost and Reduced Return ............................... 45 8.04 Return..............................55 SECTION 8.04. Taxes..........................................................57 SECTION 8.05. Base Rate Loans Substituted for Affected Fixed Rate Loans ....... 46 ARTICLE IXLoans......59

Change in Circumstances. 44 8.01 SECTION 8.01. Basis for Determining Interest Rate Inadequate or Unfair ........ 44 8.02 Illegality ...................................................... 44 8.03 Unfair................................................. 47 SECTION 8.02. Illegality................................................. 48 SECTION 8.03. Increased Cost and Reduced Return ............................... 45 8.04 Return.......................... 49 SECTION 8.04. Base Rate Loans Substituted for Affected Fixed Rate Loans ....... 46 Loans................................................ 51 ARTICLE IXIX MISCELLANEOUS

Change in Circumstances. 44 8.01 SECTION 8.01. Basis for Determining Interest Rate Inadequate or Unfair ........ 44 8.02 Illegality ...................................................... 44 8.03 Unfair......66 SECTION 8.02. Illegality....................................................67 SECTION 8.03. Increased Cost and Reduced Return ............................... 45 8.04 Return.............................68 SECTION 8.04. Taxes.........................................................69 SECTION 8.05. Base Rate Loans Substituted for Affected Fixed Rate Loans ....... 46 ARTICLE IXLoans.....73 SECTION 8.06. Substitution of Bank..........................................73 SECTION 8.07. Allocations...................................................74

Change in Circumstances. 44 8.01 SECTION 8.01. Basis for Determining Interest Rate Inadequate or Unfair ........ 44 8.02 Illegality ...................................................... 44 8.03 Unfair............ 36 SECTION 8.02. Illegality.......................................................... 37 SECTION 8.03. Increased Cost and Reduced Return ............................... 45 8.04 Return................................... 37 SECTION 8.04. Taxes............................................................... 39 SECTION 8.05. Base Rate Loans Substituted for Affected Fixed Rate Loans ....... 46 Loans........... 40 PAGE ARTICLE IX9 MISCELLANEOUS

Change in Circumstances. 44 8.01 SECTION 8.01. Basis for Determining Interest Rate Inadequate or Unfair ........ Unfair........................44 8.02 Illegality ...................................................... 44 8.03 SECTION 8.02. Illegality......................................................................45 SECTION 8.03. Increased Cost and Reduced Return ............................... Return...............................................45 8.04 SECTION 8.04. Taxes...........................................................................47 SECTION 8.05. Base Rate Loans Substituted for Affected Fixed Rate Loans ....... 46 ARTICLE IXLoans.......................49 SECTION 8.06. Substitution of Bank............................................................50

Change in Circumstances. 44 8.01 SECTION 8.01. Basis for Determining Interest Rate Inadequate or Unfair ........ 44 8.02 .... 57 SECTION 8.02. Illegality ...................................................... 44 8.03 .................................................. 57 SECTION 8.03. Increased Cost and Reduced Return ............................... 45 8.04 ........................... 58 SECTION 8.04. Taxes ....................................................... 60 SECTION 8.05. Base Rate Loans Substituted for Affected Fixed Rate Loans ....... 46 ARTICLE IX... 63 SECTION 8.06. Substitution of Bank ........................................ 64

Change in Circumstances. 44 8.01 SECTION 8.01. Basis for Determining Interest Rate Inadequate or Unfair ........ 44 8.02 ................................................ 42 SECTION 8.02. Illegality ...................................................... 44 8.03 ............................................ 43 SECTION 8.03. Increased Cost and Reduced Return ............................... ..................... 43 SECTION 8.04. Taxes ................................................. 45 8.04 SECTION 8.05. Base Rate Loans Substituted for Affected Fixed Rate Loans ....... 46 ARTICLE IXLoans.................................................. 47 SECTION 8.06. Substitution of Bank; Termination Option............... 48

Change in Circumstances. 44 8.01 SECTION 8.01. Basis for Determining Interest Rate Inadequate or Unfair ........ 44 8.02 Illegality ...................................................... 44 8.03 Unfair..... 54 SECTION 8.02. Illegality................................................... 54 SECTION 8.03. Increased Cost and Reduced Return ............................... 45 8.04 Return............................ 55 SECTION 8.04. Taxes........................................................ 56 SECTION 8.05. Base Rate Loans Substituted for Affected Fixed Rate Loans ....... 46 ARTICLE IXLoans.... 58 SECTION 8.06.

Change in Circumstances. 44 8.01 Section 8.01. Basis for Determining Interest Rate Inadequate or Unfair ........ 44 8.02 Illegality ...................................................... 44 8.03 Unfair... 46 Section 8.02. Illegality................................................. 47 Section 8.03. Increased Cost and Reduced Return ............................... 45 8.04 Return.......................... 47 Section 8.04. Taxes...................................................... 49 Section 8.05. Base Rate Loans Substituted for Affected Fixed Rate Loans ....... 46 ARTICLE IXLoans.. 51 Section 8.06. Substitution Of Bank....................................... 51

Change in Circumstances. 44 8.01 SECTION 8.01. Basis for Determining Interest Rate Inadequate or Unfair ........ 44 8.02 Illegality ...................................................... 44 8.03 Unfair.......70 SECTION 8.02. Illegality.....................................................71 SECTION 8.03. Increased Cost and Reduced Return ............................... 45 8.04 Return..............................71 SECTION 8.04. Taxes..........................................................74 SECTION 8.05. Base Rate Loans Substituted for Affected Fixed Rate Loans ....... 46 Loans......76 SECTION 8.06. Substitution of Bank...........................................76 PAGE ---- ARTICLE IX9 MISCELLANEOUS

Change in Circumstances. 44 8.01 37 SECTION 8.01. Basis for Determining Interest Rate Inadequate or Unfair ........ 44 8.02 Illegality ...................................................... 44 8.03 Unfair.............. 37 SECTION 8.02. Illegality............................................................ 38 SECTION 8.03. Increased Cost and Reduced Return ............................... 45 8.04 Return..................................... 38 SECTION 8.04. Base Rate Loans Substituted for Affected Fixed Rate Loans ....... 46 ARTICLE IXLoan.............. 40 SECTION 8.05. Substitution of Bank.................................................. 40 -iii-

Change in Circumstances. 44 8.01 Section 8.01. Basis for Determining Interest Rate Inadequate or Unfair ........ Unfair................... 43 Section 8.02. Illegality................................................................. 44 8.02 Illegality ...................................................... 44 8.03 Section 8.03. Increased Cost and Reduced Return ............................... Return.......................................... 45 8.04 Section 8.04. Base Rate Loans Substituted for Affected Fixed Rate Loans ....... 46 ARTICLE IXLoans.................. 48 Section 8.05. Substitution of Lender..................................................... 48 Section 8.06.

Change in Circumstances. 44 8.01 SECTION 8.01. Basis for Determining Interest Rate Inadequate or Unfair ........ 44 8.02 Illegality ...................................................... 44 8.03 Unfair......................... 62 SECTION 8.02. Illegality...................................... 62 SECTION 8.03. Increased Cost and Reduced Return ............................... 45 8.04 Return............... 63 SECTION 8.04. Taxes........................................... 65 SECTION 8.05. Base Rate Loans Substituted for Affected Fixed Rate Loans ....... 46 Loans.................... 67 SECTION 8.06 Substitution of Bank............................. 68 ARTICLE IXIX MISCELLANEOUS

Change in Circumstances. 44 8.01 Section 8.1. Basis for Determining Interest Rate Inadequate or Unfair ........ 44 8.02 Illegality ...................................................... 44 8.03 Unfair.................................................48 Section 8.2. Illegality.............................................49 Section 8.3. Increased Cost and Reduced Return ............................... 45 8.04 Return......................50 Section 8.4. Base Rate Loans Substituted for Affected Fixed Rate Loans ....... 46 ARTICLE IXLoans..................................................52

Change in Circumstances. 44 8.01 SECTION 8.01. Basis for Determining Interest Rate Inadequate or Unfair ........ 44 8.02 Illegality ...................................................... 44 8.03 Unfair........................ 74 SECTION 8.02. Illegality...................................................................... 75 SECTION 8.03. Increased Cost and Reduced Return ............................... 45 8.04 Return............................................... 75 SECTION 8.04. Taxes........................................................................... 78 SECTION 8.05. Base Rate Loans Substituted for Affected Fixed Rate Loans ....... 46 ARTICLE IXLoans....................... 80 SECTION 8.06. Substitution of Bank............................................................ 81

Change in Circumstances. 44 8.01 SECTION 8.01. Basis for Determining Interest Rate Inadequate or Unfair ........ 44 8.02 ..... 41 SECTION 8.02. Illegality ...................................................... 44 8.03 ................................................... 41 SECTION 8.03. Increased Cost and Reduced Return ............................... 45 8.04 ............................ 42 SECTION 8.04. Taxes ........................................................ 43 SECTION 8.05. Base Rate Loans Substituted for Affected Fixed Rate Loans ....... .... 46 ARTICLE IXSECTION 8.06. Substitution of Bank; Termination Option ..................... 46

Change in Circumstances. 44 SECTION 8.01 Basis for Determining Interest Rate Inadequate or Unfair ........ 44 Unfair.......... 49 8.02 Illegality ...................................................... 44 Illegality........................... 50 8.03 Increased Cost and Reduced Return ............................... 45 Return.... 50 8.04 Base Rate Loans Substituted for Affected Fixed Rate Loans ....... 46 ARTICLE IXLoans.......... 52 8.05

Change in Circumstances. 44 8.01 Section 8.01. Basis for Determining Interest Rate Inadequate or Unfair ........ 44 8.02 Illegality ...................................................... 44 8.03 Unfair............................................... 40 Section 8.02. Illegality............................................ 41 Section 8.03. Increased Cost and Reduced Return ............................... 45 8.04 Return..................... 42 Section 8.04. Taxes................................................. 43 Section 8.05. Base Rate Loans Substituted for Affected Fixed Rate Loans ....... 46 ARTICLE IXLoans................................................ 45 Section 8.06. Substitution of Bank.................................. 45

Change in Circumstances. 44 8.01 SECTION 8.01. Basis for Determining Interest Rate Inadequate or Unfair ........ 44 8.02 Illegality ...................................................... 44 8.03 Unfair...................... 55 SECTION 8.02. Illegality.................................................................... 56 SECTION 8.03. Increased Cost and Reduced Return ............................... 45 8.04 Return............................................. 56 SECTION 8.04. Taxes......................................................................... 57 SECTION 8.05. Base Rate Loans Substituted for Affected Fixed Rate Loans ....... 46 ARTICLE IXLoans..................... 60 SECTION 8.06. Substitution of Lender........................................................ 60

Change in Circumstances. 44 8.01 SECTION 8.01. Basis for Determining Interest Rate Inadequate or Unfair ........ Unfair.....43 SECTION 8.02. Illegality...................................................44 8.02 Illegality ...................................................... 44 8.03 SECTION 8.03. Increased Cost and Reduced Return ............................... 45 8.04 Return............................44 SECTION 8.04. Taxes........................................................46 SECTION 8.05. Base Rate Loans Substituted for Affected Fixed Rate Loans ....... 46 ARTICLE IXLoans....48

Change in Circumstances. 44 8.01 SECTION 8.01. Basis for Determining Interest Rate Inadequate or Unfair ........ 44 8.02 Illegality ...................................................... 44 8.03 Unfair......53 SECTION 8.02. Illegality....................................................54 SECTION 8.03. Increased Cost and Reduced Return ............................... 45 8.04 Return.............................54 SECTION 8.04. Taxes.........................................................55 SECTION 8.05. Base Rate Loans Substituted for Affected Fixed Rate Loans ....... 46 ARTICLE IXLoans.....57 SECTION 8.06. Substitution of Bank..........................................58

Change in Circumstances. 44 SECTION 8.01 Basis for Determining Interest Rate Inadequate or Unfair ........ 44 Unfair....... 46 8.02 Illegality ...................................................... 44 Illegality.......................... 46 8.03 Increased Cost and Reduced Return Return... 47 8.04 Taxes............................... 45 8.04 49 8.05 Base Rate Loans Substituted for Affected Fixed Rate Loans Loans....... 46 ARTICLE IX51 8.06

Change in Circumstances. 44 SECTION 8.01 Basis for Determining Interest Rate Inadequate or Unfair ........ 44 Unfair..................... 43 8.02 Illegality ...................................................... Illegality...................................... 44 8.03 Increased Cost and Reduced Return ............................... 45 Return............... 44 8.04 Taxes........................................... 46 8.05 Base Rate Loans Substituted for Affected Fixed Rate Loans ....... 46 ARTICLE IXLoans..................... 49 8.06

Change in Circumstances. 44 8.01 8.1. Basis for Determining Interest Rate Inadequate or Unfair ........ 44 8.02 Illegality ...................................................... 44 8.03 Unfair............................... 52 8.2. Illegality......................................... 53 8.3. Increased Cost and Reduced Return ............................... 45 8.04 Return.................. 53 8.4. Taxes.............................................. 55 8.5. Base Rate Loans Substituted for Affected Fixed Rate Loans ....... 46 ARTICLE IXLoans................................... 57 8.6.

Change in Circumstances. 44 8.01 SECTION 8.01. Basis for Determining Interest Rate Inadequate or Unfair ........ 44 8.02 ........................................... 52 SECTION 8.02. Illegality ...................................................... 44 8.03 ............................................ 53 SECTION 8.03. Increased Cost and Reduced Return ............................... 45 8.04 ..................... 53 SECTION 8.04. Base Rate Loans Substituted for Affected Fixed Rate Loans ....... 46 ARTICLE IX.................................... 55 SECTION 8.05.

Change in Circumstances. 44 8.01 SECTION 8.01. Basis for Determining Interest Rate Inadequate or Unfair ........ 44 8.02 Illegality ...................................................... 44 8.03 Unfair..........................................53 SECTION 8.02. Illegality........................................................................................53 SECTION 8.03. Increased Cost and Reduced Return ............................... 45 8.04 Return.................................................................54 SECTION 8.04. Taxes.............................................................................................55 SECTION 8.05. Base Rate Loans Substituted for Affected Fixed Rate Loans ....... 46 Loans.........................................57 SECTION 8.06. Substitution of Bank..............................................................................57 ARTICLE IX9 MISCELLANEOUS

Change in Circumstances. 44 8.01 SECTION 8.01. Basis for Determining Interest Rate Inadequate or Unfair ........ 44 8.02 Illegality ...................................................... 44 8.03 Unfair...................... 48 SECTION 8.02. Illegality.................................. 49 SECTION 8.03. Increased Cost and Reduced Return ............................... 45 8.04 Base Rate Loans Substituted for Affected Fixed Rate Loans ....... 46 ARTICLE IXReturn........... 50 SECTION 8.04. Substitute Loans............................ 52 SECTION 8.05. Substitution of Bank........................ 52

Change in Circumstances. 44 8.01 35 SECTION 8.1. Basis for Determining Interest Rate Inadequate or Unfair ........ 44 8.02 Illegality ...................................................... 44 8.03 Unfair....................................... 35 SECTION 8.2. Illegality..................................................................................... 36 SECTION 8.3. Increased Cost and Reduced Return ............................... 45 8.04 Return.............................................................. 36 SECTION 8.4. Base Rate Loans Substituted for Affected Fixed Rate Loans ....... 46 ARTICLE IXLoans................................................. 37 SECTION 8.5. Substitution of Bank........................................................................... 38

Change in Circumstances. 44 8.01 SECTION 8.01. Basis for Determining Interest Rate Inadequate or Unfair ........ 44 8.02 Unfair..........................................53 SECTION 8.02. Illegality ...................................................... 44 8.03 .......................................................................................................53 SECTION 8.03. Increased Cost and Reduced Return ............................... 45 8.04 Return.................................................................54 SECTION 8.04. Taxes.............................................................................................55 SECTION 8.05. Base Rate Loans Substituted for Affected Fixed Rate Loans ....... 46 Loans.........................................57 SECTION 8.06. Substitution of Bank..............................................................................57 ARTICLE IX9 MISCELLANEOUS

Change in Circumstances. 44 8.01 Section 8.01. Basis for Determining Interest Rate Inadequate or Unfair ........ 44 8.02 Illegality ...................................................... 44 8.03 Unfair........................45 Section 8.02. Illegality......................................................................46 Section 8.03. Increased Cost and Reduced Return ............................... 45 8.04 Return...............................................46 Section 8.04. Taxes...........................................................................48 Section 8.05. Base Rate Loans Substituted for Affected Fixed Rate Loans ....... 46 ARTICLE IXLoans.......................50 Section 8.06. Substitution Of Bank............................................................50 ii 4

Change in Circumstances. 44 8.01 SECTION 8.01. Basis for Determining Interest Rate Inadequate or Unfair ........ 44 8.02 Illegality ...................................................... 44 8.03 Unfair........... 54 SECTION 8.02. Illegality......................................................... 55 SECTION 8.03. Increased Cost and Reduced Return ............................... 45 8.04 Return.................................. 55 SECTION 8.04. Taxes.............................................................. 57 SECTION 8.05. Base Rate Loans Substituted for Affected Fixed Rate Loans ....... 46 Loans.......... 58 SECTION 8.06. Substitution of Bank............................................... 59 ARTICLE IX9 MISCELLANEOUS SECTION 9.01. Notices............................................................ 59 SECTION 9.02. No Waivers......................................................... 60 SECTION 9.03.

Change in Circumstances. 44 8.01 8.1. Basis for Determining Interest Rate Inadequate or Unfair ........ 44 8.02 Illegality ...................................................... 44 8.03 .............. 51 8.2. Illegality............................................................. 52 8.3. Increased Cost and Reduced Return ............................... 45 8.04 .................................... 52 8.4. Taxes.................................................................. 53 8.5. Base Rate Loans Substituted for Affected Fixed Rate Loans ....... 46 ............ 55 ARTICLE IX9

Change in Circumstances. 44 8.01 SECTION 8.01. Basis for Determining Interest Rate Inadequate or Unfair ........ 44 8.02 Illegality ...................................................... 44 8.03 Unfair........................51 SECTION 8.02. Illegality......................................................................52 SECTION 8.03. Increased Cost and Reduced Return ............................... 45 8.04 Return...............................................53 SECTION 8.04. Base Rate Loans Substituted for Affected Fixed Rate Loans ....... 46 ARTICLE IXLoans.......................55