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If, after the date hereof, any Issuing Bank or any Lender determines that # any Change in Law regarding capital, liquidity or reserve requirements for banks or bank holding companies, or # compliance by such Issuing Bank or such Lender, or their respective parent bank holding companies, with any guideline, request or directive of any Governmental Authority regarding capital

If, afterIf by reason of # any Change in Law, or # compliance by the date hereof, anyapplicable Issuing Bank or any other member of the Lender determines that # any Change in Law regarding capital, liquidity or reserve requirements for banks or bank holding companies, or # compliance by such Issuing Bank or such Lender, or their respective parent bank holding companies,Group with any guideline, requestdirection, request, or directiverequirement (irrespective of whether having the force of law) of any Governmental Authority regarding capitalor monetary authority including, Regulation D of the Board of Governors as from time to time in effect (and any successor thereto):

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