Common use of VARIABLE INTEREST RATE Clause in Contracts

VARIABLE INTEREST RATE. The interest rate on this Note is subject to change from time to time based on changes in an independent index which is the Wall Street Journal Prime as published in 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 ▇▇▇▇▇▇▇▇'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 Note will be at a rate of 0.500 percentage points over the Index, adjusted if necessary for any minimum and maximum rate limitations described below, resulting in an initial rate of 8.750% per annum. NOTICE: Under no circumstances will the interest rate on this Note be less than 6.000% per annum or more than the maximum rate allowed by applicable law. Notwithstanding the above provisions, the maximum increase or decrease in the interest rate at any one time on this loan will not exceed 1.000 percentage points.

VARIABLE INTEREST RATE. The interest rate on this Note loan is subject to change from time to time based on changes in an independent index which is the Wall Street Journal Highest Prime as Rate published in The 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. Borrower Lender will tell Borrower the current Index rate upon ▇▇▇▇▇▇▇▇'s Borrower’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 index currently is 8.2503.250% per annum. The interest rate to be applied to Interest on the unpaid principal balance during of this Note loan will be at calculated as described in the “INTEREST CALCULATION METHOD” paragraph using a rate of 0.500 percentage points over the Index, adjusted if necessary for any minimum and maximum rate limitations described belowindex, resulting in an initial rate of 8.7503.750% per annumannum based on a year of 360 days. NOTICE: NOTICE Under no circumstances will the interest rate on this Note loan be less than 6.000% per annum or more than the maximum rate allowed by applicable law. Notwithstanding the above provisions, the maximum increase or decrease in the interest rate at any one time on this loan will not exceed 1.000 percentage points.

VARIABLE INTEREST RATE. The interest rate on this Note is subject Subject to change from time to time based on changes in an independent index which is the Wall Street Journal Prime as published in The Wall Street Journal (the "“Index"”). The Index is not necessarily the lowest rate charged by Lender on its loans. If the Index 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 ▇▇▇▇▇▇▇▇'s 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 8.2503.250% per annum. The interest rate to be applied to Interest on the unpaid principal balance during of this Note will be at calculated as described in the “INTEREST CALCULATION METHOD” paragraph using a rate of 0.500 2.000 percentage points over the Index, adjusted if necessary for any minimum and maximum rate limitations described below, resulting in an initial rate of 8.7506.000% per annumannum based on a year of 360 days. NOTICE: Under no circumstances will the interest rate on this Note be less than 6.000% per annum or more than the maximum rate allowed by applicable law. Notwithstanding the above provisions, the maximum increase or decrease in the interest rate at any one time on this loan will not exceed 1.000 percentage points.

VARIABLE INTEREST RATE. The interest Interest rate on this Note is subject to change from time to time based on changes in an independent index which is the Wall Street Journal Enterprise Bank Prime as published in The Wall Street Journal Rate (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 Index after notifying Borrower. Lender will tell Borrower the current Index 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 8.2504.000% per annum. The interest rate to be applied to the unpaid principal balance during this Note will be at a rate of 0.500 percentage points over calculated as described in the Index, adjusted if necessary for any minimum and maximum rate limitations described below, “INTEREST CALCULATION METHOD” paragraph resulting in an initial rate of 8.7505.500% per annumannum based on a year of 360 days. . NOTICE: Under no circumstances will the interest rate on this Note be less than 6.0005.500% per annum or more than the maximum rate allowed by applicable law. Notwithstanding the above provisions, the maximum increase or decrease in the interest rate at any one time on this loan will not exceed 1.000 percentage points.

VARIABLE INTEREST RATE. The interest rate on this Note 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 the Money Section of the Wall Street Journal Journal. When a range of rates has been published, the higher of the rates will be used, (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 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 8.2503.250% per annum. The interest rate to be applied to Interest on the unpaid principal balance during of this Note loan will be at calculated as described in the "INTEREST CALCULATION METHOD" paragraph using a rate of 0.500 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 8.7504.000% per annumannum based on a year of 360 days. NOTICE: Under no circumstances will the interest rate on this Note loan be less than 6.0004.000% per annum or more than (except for any higher default rate shown below) the lesser of 10.000% per annum or the maximum rate allowed by applicable law. Notwithstanding the above provisions, the maximum increase or decrease in the interest rate at any one time on this loan will not exceed 1.000 percentage points.

VARIABLE INTEREST RATE. The interest rate on this Note loan is subject to change from time to time based on changes in an independent index which is the Wall Street Journal National Prime Rate as published in The 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 ▇▇▇▇▇▇▇▇'s 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 Note loan will be at a rate of 0.500 2.000 percentage points over the Index, adjusted if necessary for any minimum and maximum rate limitations described below, resulting in an initial rate of 8.75010.250% per annum. NOTICE: Under no circumstances will the interest rate on this Note loan be less than 6.000% per annum or more than the maximum rate allowed by applicable law. Notwithstanding the above provisions, the maximum increase or decrease in the interest rate at any one time on this loan will not exceed 1.000 percentage points.