Common use of VARIABLE INTEREST RATE Clause in Contracts

VARIABLE INTEREST RATE. The interest rate on this loan is subject to change from time to time based on changes in an independent index which is the National Prime Rate as published in the Money Section of the Wall Street Journal (the "Index"). The Index is not necessarily the lowest rate charged by Lender on its loans. If the Index becomes unavailable during the term of this loan, Lender may designate a substitute index after notifying Borrower. Lender will tell Borrower the current Index rate upon Borrower's request. The interest rate change will not occur more often than each day. Borrower understands that Lender may make loans based on other rates as well. The Index currently is 8.250% per annum. The interest rate to be applied to the unpaid principal balance during this loan will be at a rate of 2.000 percentage points over the Index, resulting in an initial rate of 10.250% per annum. NOTICE: Under no circumstances will the interest rate on this loan be more than the maximum rate allowed by applicable law.

VARIABLE INTEREST RATE. The interest rate on this loan Note is subject to change from time to time based on changes in an independent index which is the National the Prime Rate as published in the Money Section of the Wall Street Journal on the first business day of the previous month (the "Index"). The Index is not necessarily the lowest rate charged by Lender on its loans. If the Index becomes unavailable during the term of this loan, Lender may designate a substitute index after notifying notice to Borrower. Lender will tell Borrower the current Index rate upon Borrower▇▇▇▇▇▇▇▇'s request. The interest rate change will not occur more often than each daymonth, beginning May 1, 2004. Borrower understands that Lender may make loans based on other rates as well. The Index currently is 8.2504.000% per annum. The interest rate to be applied to the unpaid principal balance during of this loan Note will be at a rate of 2.000 percentage points over equal to the Index, resulting in an initial rate of 10.2504.000% per annum. NOTICE: Under no circumstances will the interest rate on this loan Note be more than the maximum rate allowed by applicable law.

VARIABLE INTEREST RATE. The interest rate on this loan Note is subject to change from time to time based on changes in an independent index which is the Far East National Bank Prime Rate as published in the Money Section of the Wall Street Journal (the "“Index"”). The Index is not necessarily the lowest rate charged by Lender on its loans. , If the Index becomes unavailable during the term of this loan, Lender may designate a substitute index after notifying Borrower. Lender will tell Borrower the current Index rate upon Borrower's ▇▇▇▇▇▇▇▇’s request. The interest rate change will not occur more often than each daytime the Far East National Bank Prime Rate changes. Borrower understands that Lender may make loans based on other rates as well. The Index currently is 8.2503.250% per annum. The interest rate to be applied to Interest on the unpaid principal balance during of this loan Note will be at calculated as described in the “INTEREST CALCULATION METHOD” paragraph using a rate of 2.000 percentage points over equal to the Index, resulting in an initial rate of 10.250% per annum3.250%. NOTICE: Under no circumstances will the interest rate on this loan Note be more than the maximum rate allowed by applicable law.

VARIABLE INTEREST RATE. The interest rate on this loan Note is subject to change from time to time based on changes in an independent index which is the National Prime Lender’s Base Rate as published in the Money Section of the Wall Street Journal (the "“Index"”). The Index is not necessarily the lowest rate charged by Lender on its loansloans and is set by Lender in its sole discretion. If the Index becomes unavailable during the term of this loan, Lender may designate a substitute index after notifying Borrower. Lender will tell Borrower the current Index rate upon Borrower's ▇▇▇▇▇▇▇▇’s request. The interest rate change will not occur more often than each day. Borrower understands that Lender may make loans based on other rates as well. The Index currently is 8.2504.000% per annum. The interest rate to be applied to Interest on the unpaid principal balance during of this loan Note will be at calculated as described in the “INTEREST CALCULATION METHOD” paragraph using a rate of 2.000 percentage points over equal to the Index, resulting in an initial rate of 10.250% per annum4.000%. NOTICE: Under no circumstances will the interest rate on this loan Note be more than the maximum rate allowed by applicable law.

VARIABLE INTEREST RATE. The interest rate on this loan is subject to change from time to time based on changes in an independent index which is the National Prime Rate as published in the Money Section of the Wall Street Journal (the "“Index"”). The Index is not necessarily the lowest rate charged by Lender on its loans. If the Index becomes unavailable during the term of this loan, Lender may designate a substitute index after notifying Borrower. Lender will tell Borrower the current Index rate upon Borrower's ’s request. The interest rate change will not occur more often than each day. Borrower understands that Lender may make loans based on other rates as well. The Index currently is 8.2506.500% per annum. The interest rate to be applied to the unpaid principal balance during this loan will be at a rate of 2.000 percentage points over the Index, resulting in an initial rate of 10.2508.500% per annum. NOTICE: Under no circumstances will the interest rate on this loan be more than the maximum rate allowed by applicable law.

VARIABLE INTEREST RATE. The interest rate on this loan Note is subject to change from time to time based on changes in an independent index which is the National Prime Rate means the highest bank prime rate as published recorded in the Money Section of the The Wall Street Journal in its general guide to money rates (the "Index"). The Index is not necessarily the lowest rate charged by Lender on its loans. If the Index becomes unavailable during the term of this loan, Lender may designate a substitute index after notifying Borrower. Lender will tell Borrower the current Index rate upon BorrowerB▇▇▇▇▇▇▇'s request. The interest rate change will not occur more often than each day. Borrower understands that Lender may make loans based on other rates as well. The Index currently is 8.2503.250% per annum. The interest rate to be applied to Interest on the unpaid principal balance during of this loan Note will be at a rate of 2.000 0.125 percentage points over the Index, resulting in an initial rate of 10.2503.375% per annumannum based on a year of 360 days. NOTICE: Under no circumstances will the interest rate on this loan Note be more than the maximum rate allowed by applicable law.

VARIABLE INTEREST RATE. The interest rate on this loan Note is subject to change from time to time based on changes in an independent index which is the National Prime Rate as published in the Money Section of the Wall Street Journal (Western Edition) (the "“Index"”). The Index is not necessarily the lowest rate charged by Lender on its loans. If the Index becomes unavailable during the term of this loan, Lender may designate a substitute index after notifying notice to Borrower. Lender will tell Borrower the current Index rate upon Borrower's ’s request. The interest rate change will not occur more often than each day. Borrower understands that Lender may make loans based on other rates as well. The Index currently is 8.250% per annum4.00%. The interest rate to be applied to the unpaid principal balance during of this loan Note will be at a rate of 2.000 0.500 percentage points over the Index, resulting in an initial rate of 10.250% per annum4.50%. NOTICE: Under no circumstances will the interest rate on this loan Note be more than the maximum rate allowed by applicable law.

VARIABLE INTEREST RATE. The interest rate on this loan Note is subject to change from time to time based on changes in an independent index which is the National the Prime Rate as published in the Money Section of the Wall Street Journal on the first business day of the previous month (the "Index"). The Index is not necessarily the lowest rate charged by Lender on its loans. If the Index becomes unavailable during the term of this loan, Lender may designate a substitute index after notifying notice to Borrower. Lender will tell Borrower the current Index rate upon Borrower▇▇▇▇▇▇▇▇'s request. The interest rate change will not occur more often than each daymonth, beginning May 1, 2002. Borrower understands that Lender may make loans based on other rates as well. The Index currently is 8.2504.750% per annum. The interest rate to be applied to the unpaid principal balance during of this loan Note will be at a rate of 2.000 percentage points over equal to the Index, resulting in an initial rate of 10.2504.750% per annum. NOTICE: Under no circumstances will the interest rate on this loan Note be more than the maximum rate allowed by applicable law.