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 index which is the COLORADO BUSINESS BANK PRIME RATE (the “Index”). 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 or rates to be applied to the unpaid principal balance during this loan will be the rate or rates set forth herein the “Payment” section. Notwithstanding any other provision of this Agreement, after the first payment stream, the interest rate for each subsequent payment stream will be effective as of the last payment date of the just-ending payment stream. NOTICE: Under no circumstances will the interest rate on this loan be more than the maximum rate allowed by applicable law. 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 pay off 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 Note is subject to change from time to time based on changes in an independent index which is the COLORADO BUSINESS BANK THE WALL STREET JOURNAL PRIME 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 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 DAY. Borrower understands that Lender may make loans based on other rates as wellweil. The Index currently is 8.2504.250% per annum. The interest rate or rates to be applied to the unpaid principal balance during of this loan Note will be at a rate equal to the Index, resulting in an initial rate or rates set forth herein the “Payment” sectionof 4.250% per annum. Notwithstanding any other provision of this Agreement, after the first payment stream, the interest rate for each subsequent payment stream will be effective as of the last payment date of the just-ending payment stream. NOTICE: Under no circumstances will the interest rate on this loan Note be more than the maximum rate allowed by applicable law. 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 pay off 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 Note is subject to change from time to time based on changes in an independent index which is the COLORADO BUSINESS BANK PRIME RATE weekly average yield on the United States Treasury securities adjusted to a constant maturity of five years (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 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 DAYfive years. The interest rate may change on the five year anniversary date of this Change in Terms Agreement and every five years in the same month thereafter. Borrower understands that Lender may make loans based on other rates as well. The Index currently is 8.2504.660% per annum. The interest rate or rates to be applied to the unpaid principal balance during of this loan Note will be the rate or rates set forth herein of 2.600 percentage points over the “Payment” section. Notwithstanding any other provision Index, resulting in an initial rate of this Agreement, after the first payment stream, the interest rate for each subsequent payment stream will be effective as of the last payment date of the just-ending payment stream7.260% per annum. NOTICE: Under no circumstances will the interest rate on this loan Note be more than the maximum rate allowed by applicable law. 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 pay off by its it 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 Note is subject to change from time to time based on changes in an independent index which is the COLORADO BUSINESS BANK PRIME RATE The Wall Street Journal Prime Rate as published in the Money Rates 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 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 DAYday. Borrower understands that Lender may make loans based on other rates as well. The Index currently is 8.2504.000% per annum. The interest Interest rate or rates to be applied to the unpaid principal balance during of this loan Note will be at a rate equal to the Index, adjusted if necessary for any minimum and maximum rate limitations described below, resulting in an initial rate of 4.000% per annum. Notwithstanding the foregoing, the variable interest rate or rates set forth herein the “Payment” section. Notwithstanding any other provision of provided for in this Agreement, after the first payment stream, the interest rate for each subsequent payment stream Note will be effective as of subject to the last payment date of the just-ending payment streamfollowing minimum and maximum rates. NOTICE: Under no circumstances will the interest rate on this loan Note be less than 1.000% per annum or more than (except for any higher default rate shown below) the lesser of 18.000% per annum or the maximum rate allowed by applicable law. 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 pay off 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 Note Is subject to change from time to time based on changes in an index which is the COLORADO BUSINESS BANK PRIME RATE Xxxxxx’s Prime Rate (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 be the lowest rate available from Lender at any given time. Lender will tell Borrower the current Index rate upon Borrower’s request. The , 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 8.250% per annum. The interest rate or rates to be applied prior to maturity to the unpaid principal balance during this loan Note will be at a rate of 1.000 percentage point over the rate or rates set forth herein the “Payment” section. Notwithstanding any other provision of this Agreement, after the first payment stream, the interest rate for each subsequent payment stream will be effective as of the last payment date of the just-ending payment streamIndex. NOTICE: Under no circumstances will the interest rate on this loan Note be more than the maximum rate allowed by applicable law. For purposes of this Note, 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 Note, or (B) the “Weekly Ceiling” as referred to In Sections 303.002 and 303.003 of the Texas Finance Code. Whenever increases Increases occur in the interest rate, Lender, Lender at its option, may do one or more of the following: (A) increase Borrower’s payments to ensure Borrower’s loan will pay off payoff by its original final maturity date, (B) increase Increase Borrower’s payments to cover accruing interest, (C) increase the number of Borrower’s payments, 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 Agreement is subject to change from time to time based on changes in an independent index which is the COLORADO BUSINESS BANK PRIME RATE minimum prime lending rate for large U.S. Money Center Commercial banks as published in the Money Rate 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 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 DAYquarter. Borrower understands that Lender may make loans based on other rates as well. The Index currently is 8.2504.750% per annum. Prior to adding or subtracting any margin to the Index, the Index is rounded up to the nearest 0.001 per cent, resulting in a current rounded Index of 4.750%. The interest rate or rates to be applied to the unpaid principal balance during this loan of the Note will be at a rate of 3.750 percentage points over the Index, rounded up to the nearest 0.001 percent, resulting in an initial rate or rates set forth herein the “Payment” section. Notwithstanding any other provision of this Agreement, after the first payment stream, the interest rate for each subsequent payment stream will be effective as of the last payment date of the just-ending payment stream8.500% per annum. NOTICE: Under no circumstances will the interest rate on this loan the Note be more than the maximum rate allowed by applicable law. 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 pay off 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 Agreement is subject to change from time to time based on changes in an independent index which is the COLORADO BUSINESS BANK PRIME RATE Prime Rate as published in the Western Edition 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 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 DAY. Borrower understands that Lender may make loans based on other rates as well. The interest rate change will not occur more often than each Day. The Index currently is 8.250% per annum9.500%. The interest rate or rates to be applied to the unpaid principal balance during of this loan Agreement will be the rate or rates set forth herein above in the “Payment” section. Notwithstanding any other provision of this Agreement, after the first payment stream, the interest rate for each subsequent payment stream will be effective as of the last payment date of the just-ending payment stream. NOTICE: Under no circumstances will the interest rate on this loan Agreement be more than the maximum rate allowed by applicable law. Whenever increases occur in the interest rate, Lender, at its option, may do one or more of the following: (Aa) increase Borrower’s payments to ensure Borrower’s loan will pay off by its original final maturity date, (Bb) increase Borrower’s payments to cover accruing interest, (Cc) increase the number of Borrower’s payments, and (Dd) continue Borrower’s payments at the same amount and increase Borrower’s final payment.