APPLICABLE MARGIN. The term Applicable Margin" shall mean (a) with respect to the Prime Rate Loan, three percent (3.0%), and (b) with respect to the LIBOR Loan, an amount needed for the initial interest rate to accrue on the LIBOR Loan to be equal to the interest rate accruing on the Prime Rate Loan on the effective date of the LIBOR Rate Conversion, as determined from time to time by Lender in its sole discretion; provided, however, the "Applicable Margin" for the Prime Rate Loan after a Prime Rate Conversion shall be an amount needed for the initial interest rate to accrue on the Prime Rate Loan after the Prime Rate Conversion to be equal to the interest rate accruing on the LIBOR Loan on the effective date of the Prime Rate Conversion, as determined from time to time by Lender in its sole discretion."