Common use of Change in Circumstances Clause in Contracts

Change in Circumstances. 44 8.01 Basis for Determining Interest Rate Inadequate or Unfair ........ 44 8.02 Illegality ...................................................... 44 8.03 Increased Cost and Reduced Return ............................... 45 8.04 Base Rate Loans Substituted for Affected Fixed Rate Loans ....... 46 ARTICLE IX

Change in Circumstances. 44 SECTION 8.01 Basis for Determining Interest Rate Inadequate or Unfair ........ 44 Unfair................ 48 8.02 Illegality ...................................................... 44 Illegality............................... 49 8.03 Increased Cost and Reduced Return ............................... 45 Return........ 50 8.04 Taxes.................................... 52 8.05 Base Rate Loans Substituted for Affected Fixed Rate Loans ....... 46 Loans................ 54 8.06 Substitution of a Bank................... 55 ARTICLE IXIX MISCELLANEOUS

Change in Circumstances. 44 8.01 53 SECTION 8.01. Basis for Determining Interest Rate Inadequate or Unfair ........ 44 8.02 Illegality ...................................................... 44 8.03 Unfair.......................... 53 SECTION 8.02. Illegality........................................................................ 53 SECTION 8.03. Increased Cost and Reduced Return ............................... 45 8.04 Base Rate Loans Substituted for Affected Fixed Rate Loans ....... 46 ARTICLE IXReturn................................................. 54 SECTION 8.04.

Change in Circumstances. 44 8.01 Section 8.01. Basis for Determining Interest Rate Inadequate or Unfair ........ 44 8.02 Illegality ...................................................... 44 8.03 Unfair.......59 Section 8.02. Illegality.....................................................60 Section 8.03. Increased Cost and Reduced Return ............................... 45 8.04 Return..............................61 Section 8.04. Taxes..........................................................63 Section 8.05. Base Rate Loans Substituted for Affected Fixed Rate Loans ....... 46 ARTICLE IXLoans......66 Section 8.06. Substitution of Bank...........................................66

Change in Circumstances. 44 SECTION 8.01 Basis for Determining Interest Rate Inadequate or Unfair ........ 44 Unfair.................. 50 8.02 Illegality ...................................................... 44 Illegality................................... 51 8.03 Increased Cost and Reduced Return ............................... 45 Return............ 51 8.04 Taxes........................................ 53 8.05 Base Rate Loans Substituted for Affected Fixed Rate Loans ....... 46 Loans.................. 55 ARTICLE IXIX MISCELLANEOUS

Change in Circumstances. 44 8.01 SECTION 8.01. Basis for Determining Interest Rate Inadequate or Unfair ........ Unfair........................44 8.02 Illegality ...................................................... 44 8.03 SECTION 8.02. Illegality......................................................................45 SECTION 8.03. Increased Cost and Reduced Return ............................... Return...............................................45 8.04 SECTION 8.04. Taxes...........................................................................47 SECTION 8.05. Base Rate Loans Substituted for Affected Fixed Rate Loans ....... 46 ARTICLE IXLoans.......................48

Change in Circumstances. 44 8.01 34 SECTION 8.01. Basis for Determining Interest Rate Inadequate or Unfair ........ 44 8.02 Illegality ...................................................... 44 8.03 Unfair.................................34 SECTION 8.02. Illegality...............................................................................34 SECTION 8.03. Increased Cost and Reduced Return ............................... 45 8.04 Return........................................................35 SECTION 8.04. Taxes....................................................................................36 SECTION 8.05. Base Rate Loans Substituted for Affected Fixed Rate Loans ....... 46 ARTICLE IXLoans................................37 SECTION 8.06. Substitution of Bank.....................................................................37

Change in Circumstances. 44 8.01 SECTION 8.01. Basis for Determining Interest Rate Inadequate or Unfair ........ 44 8.02 Illegality ...................................................... 44 8.03 Unfair.......70 SECTION 8.02. Illegality.....................................................71 SECTION 8.03. Increased Cost and Reduced Return ............................... 45 8.04 Return..............................71 SECTION 8.04. Taxes..........................................................74 SECTION 8.05. Base Rate Loans Substituted for Affected Fixed Rate Loans ....... 46 Loans......76 SECTION 8.06. Substitution of Bank...........................................76 PAGE ---- ARTICLE IX9 MISCELLANEOUS

Change in Circumstances. 44 43 8.01 Basis for Determining Interest Rate Inadequate or Unfair ........ 44 Unfair..........................................43 8.02 Illegality ...................................................... 44 8.03 Increased Cost and Reduced Return ............................... 45 8.04 Base Rate Loans Substituted for Affected Fixed Rate Loans ....... 46 ARTICLE IXIllegality........................................................................................43

Change in Circumstances. 44 8.01 SECTION 8.01. Basis for Determining Interest Rate Inadequate or Unfair ........ 44 8.02 ..................................51 SECTION 8.02. Illegality ...................................................... 44 8.03 ............................................52 SECTION 8.03. Increased Cost and Reduced Return ............................... 45 8.04 .....................52 SECTION 8.04. Taxes .................................................54 SECTION 8.05. Base Rate Loans Substituted for Affected Fixed Rate Loans ....... 46 ARTICLE IX.............................56 SECTION 8.06.

Change in Circumstances. 44 8.01 48 Section 8.1 Basis for Determining Interest Rate Inadequate or Unfair ........ 44 8.02 .................................. 48 Section 8.2 Illegality ...................................................... 44 8.03 ............................................................................................................... 48 Section 8.3 Increased Cost and Reduced Return ............................... 45 8.04 Base Rate Loans Substituted for Affected Fixed Rate Loans ....... 46 ARTICLE IX.................................................................... 48 Section 8.4 Taxes .................................................................................................................... 49 Section 8.5 Replacement of Lenders ...................................................................................... 51 TABLE OF CONTENTS (continued) iv WEIL:\96719829\13\99980.0025

Change in Circumstances. 44 8.01 34 Section 8.1. Basis for Determining Interest Rate Inadequate or Unfair ........ 44 8.02 Illegality ...................................................... 44 8.03 Increased Cost and Reduced Return ............................... 45 8.04 Base Rate Loans Substituted for Affected Fixed Rate Loans ....... 46 ARTICLE IXUnfair.............................................34 Section 8.2. Illegality..........................................

Change in Circumstances. 44 8.01 8.1. Basis for Determining Interest Rate Inadequate or Unfair ........ 44 8.02 Illegality ...................................................... 44 8.03 Unfair............................... 52 8.2. Illegality......................................... 53 8.3. Increased Cost and Reduced Return ............................... 45 8.04 Return.................. 53 8.4. Taxes.............................................. 55 8.5. Base Rate Loans Substituted for Affected Fixed Rate Loans ....... 46 ARTICLE IXLoans................................... 57 8.6.

Change in Circumstances. 44 8.01 SECTION 8.01. Basis for Determining Interest Rate Inadequate or Unfair ........ 44 8.02 Illegality ...................................................... 44 8.03 Unfair..... 54 SECTION 8.02. Illegality................................................... 54 SECTION 8.03. Increased Cost and Reduced Return ............................... 45 8.04 Return............................ 55 SECTION 8.04. Taxes........................................................ 56 SECTION 8.05. Base Rate Loans Substituted for Affected Fixed Rate Loans ....... 46 ARTICLE IXLoans.... 58 SECTION 8.06.

Change in Circumstances. 44 8.01 89 Section 8.1 Basis for Determining Interest Rate Inadequate or Unfair ........ 44 8.02 ........................89 Section 8.2 Illegality ...................................................... 44 8.03 Increased Cost and Reduced Return ............................... 45 8.04 Base Rate Loans Substituted for Affected Fixed Rate Loans ....... 46 ARTICLE IX................................................................................................90

Change in Circumstances. 44 8.01 48 SECTION 8.01. Basis for Determining Interest Rate Inadequate or Unfair ........ 44 8.02 Illegality ...................................................... 44 8.03 Unfair................................... 48 SECTION 8.02. Illegality............................................. 49 SECTION 8.03. Increased Cost and Reduced Return ............................... 45 8.04 Base Rate Loans Substituted for Affected Fixed Rate Loans ....... 46 ARTICLE IXReturn...................... 49

Change in Circumstances. 44 8.01 SECTION 8.01. Basis for Determining Interest Rate Inadequate or Unfair ........ 44 8.02 ..... 50 SECTION 8.02. Illegality ...................................................... 44 8.03 ................................................... 50 SECTION 8.03. Increased Cost and Reduced Return ............................... 45 8.04 ............................ 51 SECTION 8.04. Taxes ........................................................ 52 SECTION 8.05. Base Rate Loans Substituted for Affected Fixed Rate Loans ....... 46 ARTICLE IX.... 55 SECTION 8.06. Substitution of Bank; Termination Option ..................... 55

Change in Circumstances. 44 8.01 Section 8.01. Basis for Determining Interest Rate Inadequate or Unfair ........ 44 8.02 Illegality ...................................................... 44 8.03 Unfair....40 ----------------------------------------------------------------------- Section 8.02. Illegality..................................................40 ------------------------- Section 8.03. Increased Cost and Reduced Return ............................... 45 8.04 Base Rate Loans Substituted for Affected Fixed Rate Loans ....... 46 ARTICLE IXReturn...........................41 ------------------------------------------------ Section 8.04. Taxes.......................................................42 -------------------- Section

Change in Circumstances. 44 8.01 SECTION 8.01. Basis for Determining Interest Rate Inadequate or Unfair ........ 44 8.02 Illegality ...................................................... 44 8.03 or................................. 53 SECTION 8.02. Illegality.................................... 54 SECTION 8.03. Increased Cost and Reduced Return ............................... 45 8.04 Return............. 55 SECTION 8.04. Base Rate Loans Substituted for Affected Fixed Rate Loans ....... 46 Loans..................... 57 SECTION 8.05. Election to Terminate......................... 58 Page ARTICLE IX

Change in Circumstances. 44 8.01 SECTION 8.01. Basis for Determining Interest Rate Inadequate or Unfair ........ .....43 SECTION 8.02. Illegality ...................................................44 8.02 Illegality ...................................................... 44 8.03 SECTION 8.03. Increased Cost and Reduced Return ............................... ............................45 8.04 SECTION 8.04. Taxes ........................................................46 SECTION 8.05. Base Rate Loans Substituted for Affected Fixed Rate Loans ....... 46 ARTICLE IX....48 SECTION 8.06. Substitution of Bank; Termination Option .....................49

Change in Circumstances. 44 8.01 35 SECTION 8.1. Basis for Determining Interest Rate Inadequate or Unfair ........ 44 8.02 Illegality ...................................................... 44 8.03 Unfair....................................... 35 SECTION 8.2. Illegality..................................................................................... 36 SECTION 8.3. Increased Cost and Reduced Return ............................... 45 8.04 Return.............................................................. 36 SECTION 8.4. Base Rate Loans Substituted for Affected Fixed Rate Loans ....... 46 ARTICLE IXLoans................................................. 37 SECTION 8.5. Substitution of Bank........................................................................... 38

Change in Circumstances. 44 SECTION 8.01 Basis for Determining Interest Rate Inadequate or Unfair ........ 44 Unfair................................ 43 8.02 Illegality ...................................................... Illegality.................................................... 44 8.03 Increased Cost and Reduced Return ............................... 45 Return............................. 44 8.04 Taxes...................................................... 46 8.05 Base Rate Loans Substituted for Affected Fixed Rate Loans ....... 46 ARTICLE IXLoans................................ 49 8.06

Change in Circumstances. 44 8.01 SECTION 8.01. Basis for Determining Interest Rate Inadequate or Unfair ........ 44 8.02 Illegality ...................................................... 44 8.03 Unfair........................50 SECTION 8.02. Illegality......................................................................51 SECTION 8.03. Increased Cost and Reduced Return ............................... 45 8.04 Return...............................................51 SECTION 8.04. Base Rate Loans Substituted for Affected Fixed Rate Loans ....... 46 ARTICLE IXLoans.......................54

Change in Circumstances. 44 8.01 Section 8.01. Basis for Determining Interest Rate Inadequate or Unfair ........ 44 8.02 Illegality ...................................................... 44 8.03 Unfair........................59 Section 8.02. Illegality......................................................................59 Section 8.03. Increased Cost and Reduced Return ............................... 45 8.04 Return...............................................60 Section 8.04. Taxes...........................................................................61 Section 8.05. Base Rate Loans Substituted for Affected Fixed Rate Loans ....... 46 ARTICLE IXLoans.......................63 Section 8.06. Substitution of Bank............................................................64

Change in Circumstances. 44 42 8.01 Basis for Determining Interest Rate Inadequate or Unfair ........ 44 Unfair......................................42 8.02 Illegality ...................................................... 44 8.03 Increased Cost and Reduced Return ............................... 45 8.04 Base Rate Loans Substituted for Affected Fixed Rate Loans ....... 46 ARTICLE IXIllegality....................................................................................42

Change in Circumstances. 44 8.01 91 SECTION 8.1. Basis for Determining Interest Rate Inadequate or Unfair ........ 44 8.02 Illegality ...................................................... 44 8.03 Unfair..................... 91 SECTION 8.2. Illegality................................................................... 91 SECTION 8.3. Increased Cost and Reduced Return ............................... 45 8.04 Return............................................ 92 SECTION 8.4. Taxes........................................................................ 94 SECTION 8.5. Base Rate Loans Substituted for Affected Fixed Rate Loans ....... 46 TIBOR Loans......................... 97 ARTICLE IXIX MISCELLANEOUS.................................................................. 97

Change in Circumstances. 44 8.01 SECTION 8.01. Basis for Determining Interest Rate Inadequate or Unfair ........ 44 8.02 Illegality ...................................................... 44 8.03 Unfair........................51 SECTION 8.02. Illegality......................................................................52 SECTION 8.03. Increased Cost and Reduced Return ............................... 45 8.04 Return...............................................53 SECTION 8.04. Base Rate Loans Substituted for Affected Fixed Rate Loans ....... 46 ARTICLE IXLoans.......................55

Change in Circumstances. 44 8.01 Basis for Determining Section 8.01. Inability to Determine Interest Rate Inadequate or Unfair ........ 44 8.02 Illegality ...................................................... 44 8.03 Rate.................... 39 Section 8.02. Illegality.............................................. 40 Section 8.03. Increased Cost and Reduced Return ............................... 45 8.04 Return....................... 40 Section 8.04. Taxes................................................... 42 Section 8.05. Base Rate Loans Substituted for Affected Fixed Rate Loans ....... 46 ARTICLE IXLoans................................................ 43 Section 8.06. Addition, Termination or Substitution of Banks.......... 44

Change in Circumstances. 44 8.01 71 SECTION 9.1. Basis for Determining Interest Rate Inadequate Inaccurate or Unfair ........ 44 8.02 Illegality ...................................................... 44 8.03 Unfair....................................71 SECTION 9.2. Illegality..................................................................................72 SECTION 9.3. Increased Cost and Reduced Return ............................... 45 8.04 Return...........................................................72 SECTION 9.4. Taxes.......................................................................................73 SECTION 9.5. Base Rate Loans Substituted for Affected Fixed Rate Loans ....... 46 ARTICLE IXLoans...................................75

Change in Circumstances. 44 8.01 SECTION 8.01. Basis for Determining Interest Rate Inadequate or Unfair ........ 44 8.02 .... 57 SECTION 8.02. Illegality ...................................................... 44 8.03 .................................................. 57 SECTION 8.03. Increased Cost and Reduced Return ............................... 45 8.04 ........................... 58 SECTION 8.04. Taxes ....................................................... 60 SECTION 8.05. Base Rate Loans Substituted for Affected Fixed Rate Loans ....... 46 ARTICLE IX... 63 SECTION 8.06. Substitution of Bank ........................................ 64

Change in Circumstances. 44 8.01 SECTION 8.01. Basis for Determining Interest Rate Inadequate or Unfair ........ Unfair.....43 SECTION 8.02. Illegality...................................................44 8.02 Illegality ...................................................... 44 8.03 SECTION 8.03. Increased Cost and Reduced Return ............................... 45 8.04 Return............................44 SECTION 8.04. Taxes........................................................46 SECTION 8.05. Base Rate Loans Substituted for Affected Fixed Rate Loans ....... 46 ARTICLE IXLoans....48

Change in Circumstances. 44 8.01 Basis for Determining Interest Rate Inadequate or Unfair ........ 44 8.02 Illegality ...................................................... 44 8.03 Unfair........................47 SECTION 8.02. Illegality......................................................................48 SECTION 8.03. Increased Cost and Reduced Return ............................... 45 8.04 Return...............................................49 SECTION 8.04. Taxes...........................................................................50 SECTION 8.05. Base Rate Loans Substituted for Affected Fixed Rate Loans ....... 46 ARTICLE IXLoans.......................52 SECTION 8.06. Substitution of Bank............................................................53

Change in Circumstances. 44 8.01 SECTION 8.01. Basis for Determining Interest Rate Inadequate or Unfair ........ 44 8.02 Illegality ...................................................... 44 8.03 Unfair...................... 55 SECTION 8.02. Illegality.................................................................... 56 SECTION 8.03. Increased Cost and Reduced Return ............................... 45 8.04 Return............................................. 56 SECTION 8.04. Taxes......................................................................... 57 SECTION 8.05. Base Rate Loans Substituted for Affected Fixed Rate Loans ....... 46 ARTICLE IXLoans..................... 60 SECTION 8.06. Substitution of Lender........................................................ 60

Change in Circumstances. 44 8.01 8.1. Basis for Determining Interest Rate Inadequate or Unfair ........ 44 8.02 Illegality ...................................................... 44 8.03 Increased Cost and Reduced Return ............................... 45 8.04 Base Rate Loans Substituted for Affected Fixed Rate Loans ....... Unfair............................................ 46 ARTICLE IX8.2. Illegality............................................... 47

Change in Circumstances. 44 8.01 SECTION 8.01. Basis for Determining Interest Rate Inadequate or Unfair ........ 44 8.02 Illegality ...................................................... 44 8.03 Unfair..........................................53 SECTION 8.02. Illegality........................................................................................53 SECTION 8.03. Increased Cost and Reduced Return ............................... 45 8.04 Return.................................................................54 SECTION 8.04. Taxes.............................................................................................55 SECTION 8.05. Base Rate Loans Substituted for Affected Fixed Rate Loans ....... 46 Loans.........................................57 SECTION 8.06. Substitution of Bank..............................................................................57 ARTICLE IX9 MISCELLANEOUS

Change in Circumstances. 44 8.01 SECTION 8.01. Basis for Determining Interest Rate Inadequate or Unfair ........ 44 8.02 Illegality ...................................................... 44 8.03 Unfair................................................. 47 SECTION 8.02. Illegality................................................. 48 SECTION 8.03. Increased Cost and Reduced Return ............................... 45 8.04 Return.......................... 49 SECTION 8.04. Base Rate Loans Substituted for Affected Fixed Rate Loans ....... 46 Loans................................................ 51 ARTICLE IXIX MISCELLANEOUS

Change in Circumstances. 44 8.01 SECTION 8.1 Basis for Determining Interest Rate Inadequate or Unfair ........ 44 8.02 Illegality ...................................................... 44 8.03 Unfair......60 SECTION 8.2 Illegality....................................................61 SECTION 8.3 Increased Cost and Reduced Return ............................... 45 8.04 Return.............................61 SECTION 8.4 Taxes.........................................................62 SECTION 8.5 Base Rate Loans Substituted for Affected Fixed Rate Loans ....... 46 Loans.....63 ARTICLE IXIX MISCELLANEOUS ii 99

Change in Circumstances. 44 8.01 97 SECTION 8.1. Basis for Determining Interest Rate ----------------------------------- Inadequate or Unfair ........ 44 8.02 Illegality ...................................................... 44 8.03 Increased Cost and Reduced Return ............................... 45 8.04 Base Rate Loans Substituted for Affected Fixed Rate Loans ....... 46 ARTICLE IXUnfair...................................................97 -------------------- SECTION 8.2. Illegality..............................................97 ---------- SECTION 8.

Change in Circumstances. 44 8.01 SECTION 8.01. Basis for Determining Interest Rate Inadequate or Unfair ........ 44 8.02 Unfair... 66 SECTION 8.02. Illegality ...................................................... 44 8.03 ................................................ 66 SECTION 8.03. Increased Cost and Reduced Return ............................... 45 8.04 Base Rate Loans Substituted for Affected Fixed Rate Loans ....... 46 ARTICLE IX......................... 67 SECTION 8.04. Taxes ..................................................... 69 SECTION 8.05.

Change in Circumstances. 44 8.01 SECTION 8.01. Basis for Determining Interest Rate Inadequate or Unfair ........ 44 8.02 Illegality ...................................................... 44 8.03 Unfair............ 36 SECTION 8.02. Illegality.......................................................... 37 SECTION 8.03. Increased Cost and Reduced Return ............................... 45 8.04 Return................................... 37 SECTION 8.04. Taxes............................................................... 39 SECTION 8.05. Base Rate Loans Substituted for Affected Fixed Rate Loans ....... 46 Loans........... 40 PAGE ARTICLE IX9 MISCELLANEOUS

Change in Circumstances. 44 8.01 SECTION 8.01. Basis for Determining Interest Rate Inadequate or Unfair ........ 44 8.02 ................................................ 42 SECTION 8.02. Illegality ...................................................... 44 8.03 ............................................ 43 SECTION 8.03. Increased Cost and Reduced Return ............................... ..................... 43 SECTION 8.04. Taxes ................................................. 45 8.04 SECTION 8.05. Base Rate Loans Substituted for Affected Fixed Rate Loans ....... 46 ARTICLE IXLoans.................................................. 47 SECTION 8.06. Substitution of Bank; Termination Option............... 48

Change in Circumstances. 44 8.01 SECTION 8.01. Basis for Determining Interest Rate Inadequate or Unfair ........ 44 8.02 Illegality ...................................................... 44 8.03 Unfair......66 SECTION 8.02. Illegality....................................................67 SECTION 8.03. Increased Cost and Reduced Return ............................... 45 8.04 Return.............................68 SECTION 8.04. Taxes.........................................................69 SECTION 8.05. Base Rate Loans Substituted for Affected Fixed Rate Loans ....... 46 ARTICLE IXLoans.....73 SECTION 8.06. Substitution of Bank..........................................73 SECTION 8.07. Allocations...................................................74

Change in Circumstances. 44 8.01 SECTION 8.01. Basis for Determining Interest Rate Inadequate or Unfair ........ 44 8.02 Illegality ...................................................... 44 8.03 Unfair..........................................55 SECTION 8.02. Illegality.........................................56 SECTION 8.03. Increased Cost and Reduced Return ............................... 45 8.04 Return..................57 SECTION 8.04. Taxes..............................................58 SECTION 8.05. Base Rate Loans Substituted for Affected Fixed Rate Loans ....... 46 Loans......................................60 SECTION 8.06. Substitution of Bank...............................61 ARTICLE IX9 MISCELLANEOUS

Change in Circumstances. 44 SECTION 8.01 Basis for Determining Interest Rate Inadequate or Unfair ........ 44 Unfair....... 46 8.02 Illegality ...................................................... 44 Illegality.......................... 46 8.03 Increased Cost and Reduced Return Return... 47 8.04 Taxes............................... 45 8.04 49 8.05 Base Rate Loans Substituted for Affected Fixed Rate Loans Loans....... 46 ARTICLE IX51 8.06

Change in Circumstances. 44 8.01 Section 8.01. Basis for Determining Interest Rate Inadequate or Unfair ........ 44 8.02 Illegality ...................................................... 44 8.03 Unfair........................................58 Section 8.02. Illegality......................................................................................59 Section 8.03. Increased Cost and Reduced Return ............................... 45 8.04 Return...............................................................60 Section 8.04. Taxes...........................................................................................61 Section 8.05. Base Rate Loans Substituted for Affected Fixed Rate Loans ....... 46 ARTICLE IXLoans.......................................63 Section 8.06. Substitution of Lenders.........................................................................63

Change in Circumstances. 44 SECTION 8.01 Basis for Determining Interest Rate Inadequate or Unfair ........ 44 Unfair..................... 43 8.02 Illegality ...................................................... Illegality...................................... 44 8.03 Increased Cost and Reduced Return ............................... 45 Return............... 44 8.04 Taxes........................................... 46 8.05 Base Rate Loans Substituted for Affected Fixed Rate Loans ....... 46 ARTICLE IXLoans..................... 49 8.06

Change in Circumstances. 44 8.01 SECTION 8.01. Basis for Determining Interest Rate Inadequate or Unfair ........ 44 8.02 ............................. 45 SECTION 8.02. Illegality ...................................................... 44 8.03 ....................................... 46 SECTION 8.03. Increased Cost and Reduced Return ............................... 45 8.04 ................ 47 SECTION 8.04. Base Rate Loans Substituted for Affected Fixed Rate Loans ....... 46 ARTICLE IX................................. 49

Change in Circumstances. 44 8.01 SECTION 8.01. Basis for Determining Interest Rate Inadequate or Unfair ........ 44 8.02 Illegality ...................................................... 44 8.03 Unfair........................55 SECTION 8.02. Illegality......................................................................56 SECTION 8.03. Increased Cost and Reduced Return ............................... 45 8.04 Return...............................................57 SECTION 8.04. Taxes...........................................................................58 SECTION 8.05. Base Rate Loans Substituted for Affected Fixed Rate Loans ....... 46 Loans.......................60 SECTION 8.06. Substitution of Bank............................................................61 ARTICLE IX9 MISCELLANEOUS

Change in Circumstances. 44 8.01 72 SECTION 8.1. Basis for Determining Interest Rate Inadequate or Unfair ........ 44 8.02 Illegality ...................................................... 44 8.03 Increased Cost and Reduced Return Unfair............................... 45 8.04 Base Rate Loans Substituted for Affected Fixed Rate Loans ....... 46 ARTICLE IX72 SECTION 8.2. Illegality............................................................................. 72

Change in Circumstances. 44 8.01 SECTION 8.01. Basis for Determining Interest Rate Inadequate or Unfair ........ 44 8.02 ........................................... 52 SECTION 8.02. Illegality ...................................................... 44 8.03 ............................................ 53 SECTION 8.03. Increased Cost and Reduced Return ............................... 45 8.04 ..................... 53 SECTION 8.04. Base Rate Loans Substituted for Affected Fixed Rate Loans ....... 46 ARTICLE IX.................................... 55 SECTION 8.05.

Change in Circumstances. 44 8.01 SECTION 8.01. Basis for Determining Interest Rate Inadequate or Unfair ........ 44 8.02 Illegality ...................................................... 44 8.03 Unfair....................................... 72 SECTION 8.02. Illegality................................................... 73 SECTION 8.03. Increased Cost and Reduced Return ............................... 45 8.04 Return............................ 74 SECTION 8.04. Taxes........................................................ 75 SECTION 8.05. Base Rate Loans Substituted for Affected Fixed Rate Loans ....... 46 Loans........................................... 77 ARTICLE IXIX MISCELLANEOUS

Change in Circumstances. 44 8.01 SECTION 8.01. Basis for Determining Interest Rate Inadequate or Unfair ........ 44 8.02 Illegality ...................................................... 44 8.03 Unfair.......55 SECTION 8.02. Illegality.....................................................56 SECTION 8.03. Increased Cost and Reduced Return ............................... 45 8.04 Return..............................57 SECTION 8.04. Taxes..........................................................58 SECTION 8.05. Base Rate Loans Substituted for Affected Fixed Rate Loans ....... 46 ARTICLE IXLoans......60 SECTION 8.06.

Change in Circumstances. 44 8.01 SECTION 8.1. Basis for Determining Interest Rate Inadequate or Unfair ........ 44 8.02 Illegality ...................................................... 44 8.03 Unfair.......47 SECTION 8.2. Illegality.....................................................47 SECTION 8.3. Increased Cost and Reduced Return ............................... 45 8.04 Return..............................48 SECTION 8.4. Taxes..........................................................50 SECTION 8.5. Base Rate Loans Substituted for Affected Fixed Rate Loans ....... 46 ARTICLE IXLoans......51 SECTION 8.6.

Change in Circumstances. 44 8.01 37 SECTION 8.01. Basis for Determining Interest Rate Inadequate or Unfair ........ 44 8.02 Illegality ...................................................... 44 8.03 Unfair.............. 37 SECTION 8.02. Illegality............................................................ 38 SECTION 8.03. Increased Cost and Reduced Return ............................... 45 8.04 Return..................................... 38 SECTION 8.04. Base Rate Loans Substituted for Affected Fixed Rate Loans ....... 46 ARTICLE IXLoan.............. 40 SECTION 8.05. Substitution of Bank.................................................. 40 -iii-

Change in Circumstances. 44 8.01 64 Section 8.1. Basis for Determining Interest Rate Inadequate or Unfair ........ 44 8.02 Unfair......................................... 64 Section 8.2. Illegality ...................................................... 44 8.03 Increased Cost and Reduced Return ............................... 45 8.04 Base Rate Loans Substituted for Affected Fixed Rate Loans ....... 46 ARTICLE IX...................................................................................................................

Change in Circumstances. 44 8.01 SECTION 8.01. Basis for Determining Interest Rate Inadequate or Unfair ........ 44 8.02 Illegality ...................................................... 44 8.03 Unfair.................................... 94 SECTION 8.02. Illegality............................................... 94 SECTION 8.03. Increased Cost and Reduced Return ............................... 45 8.04 Return........................ 95 SECTION 8.04. Base Rate Loans Substituted for Affected Fixed Rate Loans ....... 46 ARTICLE IXLoans............................... 97 SECTION 8.05.

Change in Circumstances. 44 8.01 SECTION 8.01. Basis for Determining Interest Rate Inadequate or Unfair ........ 44 8.02 Illegality ...................................................... 44 8.03 Unfair.........................................46 SECTION 8.02. Illegality.......................................................................................47 SECTION 8.03. Increased Cost and Reduced Return ............................... 45 8.04 Return................................................................47 SECTION 8.04. Taxes............................................................................................49 SECTION 8.05. Base Rate Loans Substituted for Affected Fixed Rate Loans ....... 46 ARTICLE IXLoans........................................50 SECTION 8.06. Substitution of Bank.............................................................................51

Change in Circumstances. 44 8.01 Basis Section 8.01.Basis for Determining Interest Rate Inadequate or Unfair ........ 44 8.02 ...... 81 8.02. Illegality ...................................................... 44 8.03 Increased Cost and Reduced Return ............................... 45 8.04 Base Rate Loans Substituted for Affected Fixed Rate Loans ....... 46 ARTICLE IX................................................................................... 81

Change in Circumstances. 44 8.01 SECTION 8.01. Basis for Determining Interest Rate Inadequate or Unfair ........ 44 8.02 Illegality ...................................................... 44 8.03 Unfair................... 65 SECTION 8.02. Illegality............................... 66 SECTION 8.03. Increased Cost and Reduced Return ............................... 45 8.04 Return........ 66 SECTION 8.04. Taxes.................................... 68 SECTION 8.05. Base Rate Loans Substituted for Affected Fixed Rate Loans ....... 46 Loans....................... 70 ARTICLE IXIX MISCELLANEOUS

Change in Circumstances. 44 8.01 72 10.1 Basis for Determining Interest Rate Inadequate or Unfair ........ 44 8.02 Illegality ...................................................... 44 8.03 Increased Cost and Reduced Return ............................... 45 8.04 Base Rate Loans Substituted for Affected Fixed Rate Loans ....... 46 ARTICLE IXUnfair............... 72 10.2 Illegality............................................................. 73 10.3

Change in Circumstances. 44 8.01 SECTION 8.01. Basis for Determining Interest Rate Inadequate or Unfair ........ 44 8.02 Illegality ...................................................... 44 8.03 Unfair...................... 48 SECTION 8.02. Illegality.................................. 49 SECTION 8.03. Increased Cost and Reduced Return ............................... 45 8.04 Base Rate Loans Substituted for Affected Fixed Rate Loans ....... 46 ARTICLE IXReturn........... 50 SECTION 8.04. Substitute Loans............................ 52 SECTION 8.05. Substitution of Bank........................ 52

Change in Circumstances. 44 8.01 Basis for Determining Interest Rate Inadequate or Unfair ........ 44 8.02 ..... 41 SECTION 8.02. Illegality ...................................................... 44 8.03 ................................................... 41 SECTION 8.03. Increased Cost and Reduced Return ............................... 45 8.04 ............................ 42 SECTION 8.04. Taxes ........................................................ 43 SECTION 8.05. Base Rate Loans Substituted for Affected Fixed Rate Loans ....... .... 46 ARTICLE IXSECTION 8.06. Substitution of Bank; Termination Option ..................... 46

Change in Circumstances. 44 8.01 SECTION 8.01. Basis for Determining Interest Rate Inadequate or Unfair ........ 44 8.02 .................................... 45 SECTION 8.02. Illegality ...................................................... 44 8.03 .............................................. 46 SECTION 8.03. Increased Cost and Reduced Return ............................... 45 8.04 ....................... 47 SECTION 8.04. Base Rate Loans Substituted for Affected Fixed Rate Loans ....... 46 ARTICLE IX........................................ 49

Change in Circumstances. 44 8.01 SECTION 8.01. Basis for Determining Interest Rate Inadequate or Unfair ........ 44 8.02 Illegality ...................................................... 44 8.03 Unfair......75 SECTION 8.02. Illegality....................................................76 SECTION 8.03. Increased Cost and Reduced Return ............................... 45 8.04 Return.............................77 SECTION 8.04. Taxes.........................................................78 SECTION 8.05. Base Rate Loans Substituted for Affected Fixed Rate Loans ....... 46 Rate...........80 ARTICLE IX9 MISCELLANEOUS

Change in Circumstances. 44 8.01 SECTION 8.01. Basis for Determining Interest Rate Inadequate or Unfair ........ 44 8.02 Illegality ...................................................... 44 8.03 Unfair.......48 SECTION 8.02. Illegality.....................................................48 SECTION 8.03. Increased Cost and Reduced Return ............................... 45 8.04 Return..............................49 SECTION 8.04. Taxes..........................................................51 SECTION 8.05. Base Rate Loans Substituted for Affected Fixed Rate Loans ....... 46 ARTICLE IXLoans......52 SECTION 8.06. Substitution of Bank...........................................53

Change in Circumstances. 44 8.01 SECTION 8.01. Basis for Determining Interest Rate Inadequate or Unfair ........ 44 8.02 Illegality ...................................................... 44 8.03 Unfair........................48 SECTION 8.02. Illegality......................................................................49 SECTION 8.03. Increased Cost and Reduced Return ............................... 45 8.04 Return...............................................49 SECTION 8.04. Taxes...........................................................................51 SECTION 8.05. Base Rate Loans Substituted for Affected Fixed Rate Loans ....... 46 ARTICLE IXLoans.......................53 SECTION 8.06. Substitution of Bank............................................................53

Change in Circumstances. 44 8.01 SECTION 10.01. Basis for Determining Interest Rate Inadequate or Unfair ........ 44 8.02 Illegality ...................................................... 44 8.03 Unfair.......................................75 SECTION 10.02. Illegality......................................76 SECTION 10.03. Increased Cost and Reduced Return ............................... 45 8.04 Return...............76 SECTION 10.04. Taxes...........................................78 SECTION 10.05. Base Rate Loans Substituted for Affected Fixed Rate Loans ....... 46 Loans......................................80 SECTION 10.06. Borrower's Right to Replace Banks...............80 ARTICLE IX11 MISCELLANEOUS

Change in Circumstances. 44 8.01 SECTION 8.01. Basis for Determining Interest Rate Inadequate or Unfair ........ 44 8.02 ... 35 SECTION 8.02. Illegality ...................................................... 44 8.03 ................................................. 36 SECTION 8.03. Increased Cost and Reduced Return ............................... 45 8.04 .......................... 36 SECTION 8.04. Taxes ...................................................... 38 SECTION 8.05. Base Rate Loans Substituted for Affected Fixed Rate Loans ....... 46 ARTICLE IX.. 39

Change in Circumstances. 44 8.01 Basis for Determining Interest Rate Inadequate or Unfair ........ 44 8.02 Illegality ...................................................... 44 8.03 Increased Cost and Reduced Return ............................... 45 8.04 Base Rate Loans Substituted for Affected Fixed Rate Loans ....... 46 ARTICLE IXUnfair.... 99 -------------------------------------------------------- SECTION 8.2. Illegality.................................................. 99 ---------- SECTION 8.

Change in Circumstances. 44 52 8.01 Basis for Determining Interest Rate Inadequate or Unfair ........ 44 Unfair.....................................................................................52 8.02 Illegality ...................................................... 44 Illegality....................................................................................52 8.03 Increased Cost and Reduced Return ............................... 45 Return.............................................................53 8.04 Base Rate Loans Substituted for Affected Fixed Rate Loans ....... 46 Loans.................................................................................54 ARTICLE IX

Change in Circumstances. 44 8.01 8.1. Basis for Determining Interest Rate Inadequate or Unfair ........ 44 8.02 Illegality ...................................................... 44 8.03 .............. 51 8.2. Illegality............................................................. 52 8.3. Increased Cost and Reduced Return ............................... 45 8.04 .................................... 52 8.4. Taxes.................................................................. 53 8.5. Base Rate Loans Substituted for Affected Fixed Rate Loans ....... 46 ............ 55 ARTICLE IX9

Change in Circumstances. 44 8.01 SECTION 8.01. Basis for Determining Interest Rate Inadequate or Unfair ........ 44 8.02 Illegality ...................................................... 44 8.03 Unfair.......57 SECTION 8.02. Illegality.....................................................58 SECTION 8.03. Increased Cost and Reduced Return ............................... 45 8.04 Return..............................58 SECTION 8.04. Taxes..........................................................60 SECTION 8.05. Base Rate Loans Substituted for Affected Fixed Rate Loans ....... 46 ARTICLE IXLoans......62

Change in Circumstances. 44 SECTION 8.01 Basis for Determining Interest Rate Inadequate or Unfair ........ 44 Unfair.......... 49 8.02 Illegality ...................................................... 44 Illegality........................... 50 8.03 Increased Cost and Reduced Return ............................... 45 8.04 Base Rate Loans Substituted for Affected Fixed Rate Loans ....... 46 ARTICLE IXReturn....

Change in Circumstances. 44 8.01 SECTION 8.01. Basis for Determining Interest Rate Inadequate or Unfair ........ 44 8.02 Illegality ...................................................... 44 8.03 Unfair........................ 60 8.02. Illegality...................................................................... 61 8.03. Increased Cost and Reduced Return ............................... 45 8.04 Return............................................... 62 8.04. Base Rate Loans Substituted for Affected Fixed Rate Loans ....... 46 ARTICLE IXLoan........................ 64 8.05.