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 index which is the BOKF National Prime Rate, described as the rate of interest set by BOK Financial Corporation, in its sole discretion, on a daily basis as published by BOK Financial Corporation ("BOKF") from time to time (the "Index"). The Index is not necessarily the lowest rate charged by Lender on its loans 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 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 4.000% per annum. Interest on the unpaid principal balance of this Note will be calculated as described in the "INTEREST CALCULATION METHOD" paragraph using a rate of 0.500 percentage points under the Index, adjusted if necessary for any minimum and maximum rate limitations described below, resulting in an initial rate of 3.500% per annum based on a year of 360 days. NOTICE: Under no circumstances will the interest rate on this Note be less than 3.500% per annum or more than the maximum rate allowed by applicable law. INTEREST CALCULATION METHOD. Interest on this Note is computed on a 365/360 basis; that is, by applying the ratio of the interest 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 Note is computed using this method.

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 BOKF National Prime Rate, described as the rate of interest set by BOK Financial Corporation, in its sole discretion, on a daily basis as published by BOK Financial Corporation ("BOKF") from time to time in the Money Section of the Wall Street 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 and is set by Lender in its sole discretionloans. 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 4.0003.250% per annum. Interest on the unpaid principal balance of this Note loan will be calculated as described in the "INTEREST CALCULATION METHOD" paragraph using a rate of 0.500 0.750 percentage points under over the Index, adjusted if necessary for any minimum and maximum rate limitations described below, resulting in an initial rate of 3.5004.000% per annum based on a year of 360 days. NOTICE: Under no circumstances will the interest rate on this Note loan be less than 3.5004.000% 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. INTEREST CALCULATION METHOD. Interest on this Note loan is computed on a 365/360 basis; that is, by applying the ratio of the interest 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 Note loan is computed using this method. This calculation method results in a higher effective interest rate than the numeric interest rate stated in the loan documents.

VARIABLE INTEREST RATE. The interest rate on this Note loan is subject to change from time to time based on changes in an index independent Index which is Is the BOKF National U.S. Prime Rate, described as the rate of interest set by BOK Financial Corporation, in its sole discretion, on a daily basis Rate as published by BOK Financial Corporation the Wall Street Journal and currently is determined by the base rate on corporate loans posted by at least seventy percent ("BOKF"70%) from time to time of the nations ten (10) largest banks (the "“Index"”). The Index is not necessarily the lowest rate charged by Lender on its loans and is set by Lender in its sole discretionloans. 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 dayday during the term of the loan. Borrower understands that Lender may make loans based on other rates as well. The Index currently is 4.0004.250% per annum. Interest on the unpaid principal balance of this Note loan will be calculated as described in the "“INTEREST CALCULATION METHOD" ” paragraph using a rate of 0.500 0.250 percentage points under the Index, adjusted if necessary for any minimum and maximum rate limitations described below, resulting in an initial rate of 3.5004.000% per annum based on a year of 360 days. NOTICE: Under no circumstances will the interest rate on this Note loan be less than 3.500% per annum or more than the maximum rate allowed by applicable law. INTEREST CALCULATION METHOD. Interest on this Note is loan Is computed on a 365/360 basis; that isIs, by applying the ratio of the interest 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 Interest payable under this Note is loan Is computed using this method.

VARIABLE INTEREST RATE. The interest rate on this Note is subject to change from time to time based on changes in an index which is the BOKF National Prime Rate, described as the rate of interest set by BOK Financial Corporation, in its sole discretion, on a daily basis as published by BOK Financial Corporation ("BOKF") from time to time (the "Index"). The Index is not necessarily the lowest rate charged by Lender on its loans 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 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 4.000% per annum. Interest on The interest rate to be applied to the unpaid principal balance of this Note will be calculated as described in the "INTEREST CALCULATION METHOD" paragraph using a rate of 0.500 1.250 percentage points under the Index, adjusted if necessary for any minimum and maximum rate limitations described below, resulting in an initial rate of 3.5002.750% per annum based on a year of 360 days. NOTICE: Under no circumstances will the interest rate on this Note be less than 3.5002.500% per annum or more than the maximum rate allowed by applicable law. INTEREST CALCULATION METHOD. Interest on this Note is computed on a 365/360 basis; : that is, by applying the ratio of the interest 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 Note is computed using this method.

VARIABLE INTEREST RATE. The interest rate on this Note is subject to change from time to time based on changes in an index which is the BOKF National Prime RateOne Month British Bankers Association (BBA) LIBOR as reported by a major news service selected by Lender (such as Reuters, described as the rate of interest set by BOK Financial Corporation, in its sole discretion, on a daily basis as published by BOK Financial Corporation ("BOKF"Bloomberg or Moneyline Telerate) from time to time (the "“Index"”). The Index is not necessarily the lowest rate charged by Lender on its loans and is set by Lender in at its sole discretion. If the Index 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 ’s request. The interest rate change will not occur more often than each day1st day of each calendar month and as defined in Exhibit — “Applicable Margin”. Borrower understands that Lender may make loans based on other rates as well. The Index index currently is 4.0000.495% per annum. Interest on The interest rate to be applied to the unpaid principal balance of this Note will be calculated as described in the "“INTEREST CALCULATION METHOD" ” paragraph using a rate of 0.500 1.550 percentage points under over the Index, adjusted if necessary for any minimum and maximum rate limitations described below, resulting in an initial rate of 3.5004.250% per annum based on a year of 360 days. NOTICE: . Under no circumstances will the interest rate on this Note be less than 3.5004.250% per annum or more than the maximum rate allowed by applicable law. INTEREST CALCULATION METHOD. Interest on this Note is computed on a 365/360 basis; that is, by applying the ratio of the interest 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 Note is computed using this method. This calculation method results in a higher effective interest rate than the numeric interest rate stated in this Note.

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 BOKF National U.S. Prime Rate, described as the rate of interest set by BOK Financial Corporation, in its sole discretion, on a daily basis Rate as published by BOK Financial Corporation the Wall Street Journal and currently is determined by the base rate on corporate loans posted by at least seventy percent ("BOKF"70%) from time to time of the nations ten (10) largest banks (the "“Index"”). The Index is not necessarily the lowest rate charged by Lender on its loans 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 Borrowerloans. Lender will tell Borrower the current Index rate upon Borrower's Bxxxxxxx’s request. The interest rate change will not occur more often than each dayday during the term of the loan. 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 the Note. Borrower understands that Lender may make loans based on other rates as well. The Index currently is 4.0008.500% per annum. Interest on the unpaid principal balance of this Note loan will be calculated as described in the "“INTEREST CALCULATION METHOD" ” paragraph using a rate of 0.500 0.50 percentage points under the IndexIndex (the “Margin”), adjusted if necessary for any minimum and maximum rate limitations described below, resulting in an initial rate of 3.5008.250% per annum based on a year of 360 days. If Lender determines, in its sole discretion, that the Index has become unavailable or unreliable, either temporarily, indefinitely, or permanently, during the term of this loan, Lender may amend this loan by designating a substantially similar substitute index. Lender may also amend and adjust the Margin to accompany the substitute index. The change to the Margin may be a positive or negative value, or zero. In making these amendments, Lender may take into consideration any then-prevailing market convention for selecting a substitute index and margin for the specific Index that is unavailable or unreliable. Such an amendment to the terms of this loan will become effective and bind Borrower 10 business days after Lxxxxx gives written notice to Borrower without any action or consent of the Borrower. NOTICE: Under no circumstances will the interest rate on this Note loan be less than 3.5003.000% per annum or more than the maximum rate allowed by applicable law. INTEREST CALCULATION METHOD. Interest on this Note is computed on a 365/360 basis; that is, by applying the ratio of the interest 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 Note is computed using this method.

VARIABLE INTEREST RATE. The Subject to designation of a different interest rate index by Borrower as provided below, the interest rate on this Note loan is subject to change from time to time based on changes in an index which is the BOKF National Citizens Business Bank Prime Rate, described as the rate Rate of interest set Interest. This Index is determined by BOK Financial Corporation, in its sole discretion, on a daily basis as published by BOK Financial Corporation ("BOKF") Citizens Business Bank from time to time as a means of pricing credit extensions to some customers and is neither tied to any external rate of interest or index nor necessarily the lowest rate of interest charged by Citizens Business Bank at any given time for any particular class of customers or credit extensions (the "Index"). The Index is not necessarily the lowest rate charged by Lender on its loans 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 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 4.0005.500% per annum. Interest on the unpaid principal balance of this Note loan will be calculated as described in the "INTEREST CALCULATION METHOD" paragraph using a rate of 0.500 percentage points under the Index, adjusted if necessary for any minimum and maximum rate limitations described below, resulting in an initial rate of 3.500% per annum based on a year of 360 days5.000%. NOTICE: Under no circumstances will the interest rate on this Note loan be less than 3.500% per annum or more than the maximum rate allowed by applicable law. INTEREST CALCULATION METHOD. Interest on this Note loan is computed on a 365/360 basis; that is, by applying the ratio of the interest 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 Note loan is computed using this method. This calculation method results in a higher effective interest rate than the numeric interest rate stated in the loan documents.

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 BOKF National U.S. Prime Rate, described as the rate of interest set by BOK Financial Corporation, in its sole discretion, on a daily basis Rate as published by BOK Financial Corporation the Wall Street Journal and currently is determined by the base rate on corporate loans posted by at least seventy percent ("BOKF"70%) from time to time of the nations ten (10) largest banks (the "Index"). The Index is not necessarily the lowest rate charged by Lender on its loans and is set by Lender in its sole discretionloans. 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 dayday during the term of the loan. 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%). Borrower understands that Lender may make loans based on other rates as well. The Index currently is 4.0003.500% per annum. Interest on the unpaid principal balance of this Note will be calculated as described in the "INTEREST CALCULATION METHOD" paragraph using a rate of 0.500 0.250 percentage points under the Index, adjusted if necessary for any minimum and maximum rate limitations described below, resulting in an initial rate of 3.5003.250% per annum based on a year of 360 days. NOTICE: Under no circumstances will the interest rate on this Note be less than 3.500% per annum or more than the maximum rate allowed by applicable law. Unless waived by Lender, any increase in the interest rate will increase the amounts of Borrower's interest payments. INTEREST CALCULATION METHOD. Interest on this Note is computed on a 365/360 basis; that is, by applying the ratio of the interest 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 Note is computed using this method.

VARIABLE INTEREST RATE. The interest rate on this Note is subject to change from time to time based on changes in an a index which is the BOKF National Sovereign Bank Prime Rate, described as . The Sovereign Bank Prime Rate shall mean the rate of interest set by BOK Financial Corporation, in its sole discretion, on a daily basis as published by BOK Financial Corporation ("BOKF") per annum from time to time established by Lender as the Prime Rate and made available by Lender at its main office or, in the discretion of Lender, the base, reference or other rate then designated by Lender for general commercial loan reference purposes, it being understood that such rate is a reference rate, not necessarily the lowest, established from time to time, which serves as the basis upon which effective interest rates are calculated for loans making reference thereto, (the "“Index"”). The Index is not necessarily the lowest rate charged by Lender on its loans 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 daytime as and when the “Index” changes. Borrower understands that Lender may make loans based on other rates as well. The Index currently is 4.000% per annum. Interest on interest to be applied to the unpaid principal balance of this Note will be calculated as described in the "“INTEREST CALCULATION METHOD" ” paragraph using a rate of 0.500 percentage points under over the Index, adjusted if necessary for any minimum and maximum rate limitations described below, resulting in an initial rate of 3.500% per annum based on a year of 360 days. NOTICE: Under no circumstances will the interest rate on this Note be less than 3.500% per annum or more than the maximum rate allowed by applicable law. INTEREST CALCULATION METHOD. Interest on this Note is computed on a 365/360 basis; that is, by applying the ratio of the interest 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 Note is computed using this method.

VARIABLE INTEREST RATE. The interest rate on this Note is subject to change from time to time based on changes in an index which is the BOKF National Prime Rate, described as the rate of interest set by BOK Financial Corporation, in its sole discretion, on a daily basis as published by BOK Financial Corporation ("BOKF") from time to time (the "Index"). The Index is not necessarily the lowest rate charged by Lender on its loans 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 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 4.000% per annum. Interest on the unpaid principal balance of this Note will be calculated as described in the "INTEREST CALCULATION METHOD" paragraph using a rate of 0.500 percentage points under the Index, adjusted if necessary for any minimum and maximum rate limitations described below, resulting in an initial rate of 3.500% per annum based on a year of 360 days. NOTICE: Under no circumstances will the interest rate on this Note be less than 3.500% per annum or more than the maximum rate allowed by applicable law. INTEREST CALCULATION METHOD. Interest on this Note is computed on a 365/360 basis; : that is, by applying the ratio of the interest 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 Note is computed using this method.

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 BOKF National Prime Rate, described as the highest published prime rate of interest set by BOK Financial Corporation, in its sole discretion, on a daily basis as published by BOK Financial Corporation ("BOKF") from time to time in the Wall Street Journal (the "“Index"”). The Index is not necessarily the lowest rate charged by Lender on its loans and is set by Lender in its sole discretionloans. 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 note occur more often than each daydaily. Borrower understands that Lender may make loans based on other rates as well. The Index is currently is 4.0003.250% per annum. Interest on the unpaid principal balance of this Note loan will be calculated as described in the "“INTEREST CALCULATION METHOD" ” paragraph using a rate of 0.500 1.000 percentage points under point over the Index, adjusted if necessary for any minimum and maximum rate limitations described below, resulting in an initial rate of 3.5006.000% per annum based on a year of 360 days. NOTICE: Under no circumstances will the interest rate on this Note loan be less than 3.5006.000% per annum or and no more than the maximum rate allowed by applicable law. INTEREST CALCULATION METHOD. Interest on this Note loan is computed on a 365/360 basis; that is, by applying the ratio of the interest 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 Note loan is computed using this method.. This calculation method results in a higher effective interest rate than the numeric rate stated in the loan documents. (Initial Here /s/ JW )