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 Wall Street Journal Prime Rate as published in the "Money Rates" table in the Wall Street Journal from time to time (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 4.750% per annum. Interest prior to maturity on the unpaid principal balance of this loan will be calculated as described in the "INTEREST CALCULATION METHOD" paragraph using a rate of 0.750 percentage points over the Index, adjusted if necessary for any minimum and maximum rate limitations described below, resulting in an initial rate of 5.500% per annum based on a year of 360 days. NOTICE: Under no circumstances will the interest rate on this loan be less than 4.250% per annum or more than (except for any higher default rate or Post Maturity Rate shown below) the lesser of 18.000% per annum or the maximum rate allowed by applicable law. For purposes of this Agreement, the "maximum rate allowed by applicable law" means the greater of (A) the maximum rate of interest permitted under federal or other law applicable to the indebtedness evidenced by this Agreement, or (B) the "Weekly Ceiling" as referred to in Sections 303.002 and 303.003 of the Texas Finance Code.

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 Wall Street Journal Lender’s Prime Rate as published in the "Money Rates" table in the Wall Street Journal from time to time (the "“Index"”). The Index This is the rate Lender charges, or would charge, on 90-day unsecured loans to the most creditworthy corporate customers. This rate may or may not necessarily be the lowest rate charged by available from Lender on its loans. If the Index becomes unavailable during the term of this loan, Lender may designate a substitute index after notifying Borrowerat any given time. Lender will tell Borrower the current Index rate upon Borrower's ’s request. The interest rate change will not occur more often than each dayDAY. Borrower understands that Lender may make loans based on other rates as well. The Index currently is 4.7505.000% per annum. Interest The interest rate to be applied prior to maturity on to the unpaid principal balance of this loan Note will be calculated as described in the "“INTEREST CALCULATION METHOD" ” paragraph using a rate of 0.750 1.000 percentage points point over the Index, adjusted if necessary for any minimum and maximum rate limitations described below, resulting in an initial rate of 5.5006.000% per annum based on a year of 360 daysannum. NOTICE: Under no circumstances will the interest rate on this loan Note be less than 4.250% per annum or more than (except for any higher default rate or Post Maturity Rate shown below) the lesser of 18.000% per annum or the maximum rate allowed by applicable law. For purposes of this AgreementNote, the "“maximum rate allowed by applicable law" ” means the greater of (A) the maximum rate of interest permitted under federal or other law applicable to the indebtedness evidenced by this AgreementNote, or (B) the "“Weekly Ceiling" ” as referred to in Sections 303.002 and 303.003 of the Texas Finance Code.

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 Wall Street Journal Prime London Interbank Offered Rate (commonly known as "LIBOR") for U.S. Dollar Deposits published in the "Money Rates" table in by the Wall Street Journal from time to time as the "One (1) Month LIBOR Rate" (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 first (1st) day of every month during the term of the Note. The interest rate will be adjusted and determined without notice to Borrower using the Index as of the date that is two (2) London Banking Days prior to each interest rate change date. "London Banking Day" means any day, other than a Saturday or Sunday, on which commercial banking institutions in London, England, are generally open for business. At Lender's option, the Index and/or the interest rate may be rounded upwards to the next higher one one-hundredth of one percent (0.01%). If at any time the Index is less than zero, then it shall be deemed to be zero for the purpose of calculating the interest rate on this Note. Borrower understands that Lender may make loans based on other rates as well. The Index currently is 4.7500.460% per annum. Interest prior to maturity on the unpaid principal balance of this loan Note will be calculated as described in the "INTEREST CALCULATION METHOD" paragraph using a rate of 0.750 3.250 percentage points over the Index, adjusted if necessary for any minimum and maximum rate limitations described below, resulting in an initial rate of 5.5003.710% per annum based on a year of 360 days. NOTICE: Under no circumstances will the interest rate on this loan Note be less than 4.250% per annum or more than (except for any higher default rate or Post Maturity Rate shown below) the lesser of 18.000% per annum or the maximum rate allowed by applicable law. For purposes of this AgreementNote, the "maximum rate allowed by applicable law" means the greater of (A) the maximum rate of interest permitted under federal or other law applicable to the indebtedness evidenced by this AgreementNote, or (B) the "Weekly Quarterly Ceiling" as referred to in Sections 303.002 and 303.003 Section 303.006 of the Texas Finance Code.

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 Wall Street Journal Prime Rate as published in the "Money Rates" table in the Wall Street Journal from time to time 10 Year Treasury Note (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 day5 Years. Borrower understands that Lender may make loans based on other rates as well. The Index currently is 4.7502.010% per annum. Interest prior to maturity on the unpaid principal balance of this loan will be calculated as described in the "“INTEREST CALCULATION METHOD" ” paragraph using a rate of 0.750 3.000 percentage points over the Index, rounded up to the nearest 0.125 percent, adjusted if necessary for any minimum and maximum rate limitations described below, resulting in an initial rate of 5.500% per annum based on a year of 360 days%. NOTICE: Under no circumstances will the interest rate on this loan be less than 4.2505.500% per annum or more than (except for any higher default rate or Post Maturity Rate shown below) the lesser of 18.000% per annum or the maximum rate allowed by applicable law. For purposes Whenever increases occur in the interest rate, Lender, at its option, may do one or more of this Agreement, the "maximum rate allowed by applicable law" means the greater of following: (A) the maximum rate of interest permitted under federal or other law applicable increase Borrower’s payments to the indebtedness evidenced ensure Borrower’s loan will pay off by this Agreementits original final maturity date, or (B) increase Borrower’s payments to cover accruing interest, (C) Increase the "Weekly Ceiling" as referred to in Sections 303.002 number of Borrower’s payments, and 303.003 (D) continue Borrower’s payments at the same amount and increase Borrower’s final payment. INTEREST CALCULATION METHOD. Interest on this loan is computed on a 365/365 simple interest basis; that is, by applying the ratio of the Texas Finance Codeinterest rate over the number of days in a year (366 during leap years), multiplied by the outstanding principal balance, multiplied by the actual number of days the principal balance is outstanding. All interest payable under this loan is computed using this method.

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 The Wall Street Journal Prime Rate as published in the "Money Rates" table in Rates Section of the Wall Street Journal from time to time 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 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 4.7504.000% per annum. The Interest prior rate to maturity on be applied to the unpaid principal balance of this loan Note will be calculated as described in the "INTEREST CALCULATION METHOD" paragraph using at a rate of 0.750 percentage points over equal to the Index, adjusted if necessary for any minimum and maximum rate limitations described below, resulting in an initial rate of 5.5004.000% per annum based on a year of 360 daysannum. Notwithstanding the foregoing, the variable interest rate or rates provided for in this Note will be subject to the following minimum and maximum rates. NOTICE: Under no circumstances will the interest rate on this loan Note be less than 4.2501.000% per annum or more than (except for any higher default rate or Post Maturity Rate shown below) the lesser of 18.000% per annum or the maximum rate allowed by applicable law. For purposes Whenever increases occur in the interest rate, Lender, at its option, may do one or more of this Agreement, the "maximum rate allowed by applicable law" means the greater of following: (A) the maximum rate of interest permitted under federal or other law applicable increase Borrower’s payments to the indebtedness evidenced ensure Borrower’s loan will pay off by this Agreementits original final maturity date, or (B) increase Borrower’s payments to cover accruing interest, (C) increase the "Weekly Ceiling" as referred to in Sections 303.002 number of Borrower’s payments, and 303.003 of (D) continue Borrower’s payments at the Texas Finance Codesame amount and increase Borrower’s final payment.

VARIABLE INTEREST RATE. The interest rate on this loan is Note Is subject to change from time to time based on changes in an independent index which is the Wall Street Journal ▇▇▇▇▇▇’s Prime Rate as published in the "Money Rates" table in the Wall Street Journal from time to time (the "“Index"”), This is the rate Lender charges, or would charge, on 90-day unsecured loans to the most creditworthy corporate customers. The Index is This rate may or may not necessarily be the lowest rate charged by available from Lender on its loans. If the Index becomes unavailable during the term of this loan, Lender may designate a substitute index after notifying Borrowerat any given time. Lender will tell Borrower the current Index rate upon Borrower's ’s request. The , 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 4.750% per annum. Interest interest rate to be applied prior to maturity on to the unpaid principal balance of during this loan Note will be calculated as described in the "INTEREST CALCULATION METHOD" paragraph using at a rate of 0.750 1.000 percentage points point over the Index, adjusted if necessary for any minimum and maximum rate limitations described below, resulting in an initial rate of 5.500% per annum based on a year of 360 days. NOTICE: Under no circumstances will the interest rate on this loan Note be less than 4.250% per annum or more than (except for any higher default rate or Post Maturity Rate shown below) the lesser of 18.000% per annum or the maximum rate allowed by applicable law. For purposes of this AgreementNote, the "“maximum rate allowed by applicable law" · means the greater of (A) the maximum rate of interest permitted under federal or other law applicable to the indebtedness evidenced by this AgreementNote, or (B) the "“Weekly Ceiling" ” as referred to in In Sections 303.002 and 303.003 of the Texas Finance Code. Whenever Increases occur in the interest rate, Lender at its option, may do one or more of the following: (A) increase Borrower’s payments to ensure Borrower’s loan will payoff by its original final maturity date, (B) Increase Borrower’s payments to cover accruing interest, (C) increase the number of Borrower’s payments and (D) continue Borrower’s payments at the same amount and increase Borrower’s final payment.

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 Wall Street Journal The Prime Rate as published quoted in the "Money Rates" table in Section of the Wall Street Journal from time to time Journal, when a range of rates is published the highest rate will be applied (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 4.7503.250% per annum. Interest prior The interest rate to maturity on be applied to the unpaid principal balance of this loan will be calculated as described in the "“INTEREST CALCULATION METHOD" ” paragraph using a rate of 0.750 0.125 percentage points over under the Index, adjusted if necessary for any minimum and maximum rate limitations described below, resulting in an initial rate of 5.5005.750% per annum based on a year of 360 days. NOTICE: Under no circumstances will the interest rate on this loan be less than 4.2505.750% per annum or more than (except for any higher default rate or Post Maturity Rate shown below) the lesser of 18.000% per annum or the maximum rate allowed by applicable law. For purposes of INTEREST CALCULATION METHOD. Interest on this Agreementloan is computed on a 365/360 basis; that is, by applying the "maximum rate allowed by applicable law" means the greater of (A) the maximum rate of interest permitted under federal or other law applicable to the indebtedness evidenced by this Agreement, or (B) the "Weekly Ceiling" as referred to in Sections 303.002 and 303.003 ratio of the Texas Finance Codeinterest rate over a year of 360 days, multiplied by the outstanding principal balance, multiplied by the actual number of days the principal balance is outstanding. All interest payable under this loan is computed using this method.