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 Lender’s Base Rate (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 Xxxxxxxx’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 equal to the Index, resulting in an initial rate of 4.000%. NOTICE: Under no circumstances will the interest rate on this Note be 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 Lender’s Base Highest Prime Rate published 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. Borrower Lender will tell Borrower the current Index rate upon XxxxxxxxBorrower’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 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 equal to of 0.500 percentage points over the Indexindex, resulting in an initial rate of 4.000%3.750% per annum based on a year of 360 days. NOTICE: NOTICE Under no circumstances will the interest rate on this Note loan be 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.

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 Lender’s Base Rate 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 and is set by Lender in its sole discretionloans. 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 XxxxxxxxBorrower’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 will be calculated as described in the “INTEREST CALCULATION METHOD” paragraph using a rate equal to of 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 4.000%6.000% per annum 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. INTEREST CALCULATION METHOD. Interest on this Note is computed on a 365/360 basis; : that is, by applying the ratio of the interest 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 Lender’s Base U.S. Prime Rate as published by the Wall Street Journal and currently is determined by the base rate on corporate loans posted by at least seventy percent (70%) 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 XxxxxxxxBxxxxxxx’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 4.0005.250% 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 equal to of 0.250 percentage points under the Index, resulting in an initial rate of 4.000%5.000% per annum based on a year of 360 days. NOTICE: Under no circumstances will the interest rate on this Note loan be 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.

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 Lender’s Base U.S. Prime Rate as published by the Wall Street Journal and currently is determined by the base rate on corporate loans posted by at least seventy percent (70%) 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 XxxxxxxxBxxxxxxx’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 this Note. Borrower understands that Lender may make loans based on other rates as well. The Index currently is 4.0004.750% 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 equal to of 0.250 percentage points under the Index, resulting in an initial rate of 4.000%4.500% per annum based on a year of 360 days. NOTICE: Under no circumstances will the interest rate on this Note loan be 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.

VARIABLE INTEREST RATE. The interest rate on this Note loan is subject to change from time to time based on changes in an index which is the Lender’s Bank Base Rate (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 Xxxxxxxx’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 4.000% 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 equal to 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 4.000%6.000% per annum based on a year of 360 days. NOTICE: Under no circumstances will the interest rate on this Note loan be less than 6,000% 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 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.

VARIABLE INTEREST RATE. The interest Interest rate on this Note is subject to change from time to time based on changes in an index which is the Lender’s Base Enterprise Bank Prime Rate (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 index rate upon Xxxxxxxx’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 4.000% per annum. Interest on The interest rate to be applied to the unpaid principal balance of during this Note will be calculated as described in the “INTEREST CALCULATION METHOD” paragraph using a rate equal to the Index, resulting in an initial rate of 4.000%5.500% per annum based on a year of 360 days. . NOTICE: Under no circumstances will the interest rate on this Note be less than 5.500% 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 independent index which is the Lender’s Base Rate The Prime Rate, as published 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 Xxxxxxxx’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 4.0003.250% 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 equal to of 1.250 percentage points over the Index, adjusted if necessary for any minimum and maximum rate limitations described below, resulting in an initial rate of 4.0004.500%. NOTICE: Under no circumstances will the interest rate on this Note be less than 4.500% 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.