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It is the intention of the parties hereto to comply with the usury laws applicable to this loan if any, accordingly it is agreed that notwithstanding any provision to the contrary in this Promissory Note or in any of the documents securing payment hereof no such provision shall require the payment or permit the collection of interest in excess of the maximum permitted by law. If any excess of interest is provided for, contracted for, charged for or received, then the provisions of this paragraph shall govern and control and neither the Maker hereof nor any other party liable for the payment hereof shall be obligated to pay the amount of such excess interest. Any such excess interest which may have been collected shall be, at the Holder's option, either applied as a credit against the then unpaid principal amount hereof or refunded to Maker. The effective rate of interest shall be automatically subject to reduction to the maximum lawful contract rate allowed under the usury laws as now or hereafter construed. It is further agreed that without limitation of the foregoing, all calculations of the rate of interest contracted for, charged for, or received under this Promissory Note which are made for the purposes of determining whether such rate exceeds the maximum lawful rate, shall be made, to the extent permitted by law, by amortizing, prorating, allocating and spreading in equal parts during the full stated term of this Note, all interest contracted for, charged for or received from the Maker or otherwise by the Note Holder.

It is the intention of the parties heretoPayee and Maker to comply strictly with any applicable usury laws; and, accordingly, in no event and upon no contingency shall the usury laws applicableholder of this Note ever be entitled to this loan if any, accordingly it is agreed that notwithstandingreceive, collect, or apply as interest any provisioninterest, fees, charges or other payments equivalent to the contrary in this Promissory Note or in any of the documents securing payment hereof no such provision shall require the payment or permit the collection of interestinterest, in excess of the maximum effective contract rate which Payee may lawfully charge under applicable statutes and laws from time to time in effect; and in the event that the holder hereof ever receives, collects, or applies as interest any such excess, such amount which, but for this provision, would be excessive interest, shall be applied to the reduction of the principal amount of the indebtedness evidenced by this Note; and if the principal amount of the indebtedness evidenced by this Note, all lawful interest thereon and all lawful fees and charges in connection therewith, are paid in full, any remaining excess shall forthwith be paid to Maker, or other party lawfully entitled thereto. All interest paid or agreed to be paid by Maker shall, to the maximum extent permitted under applicable law, be amortized, prorated, allocated and spread throughout the full period until payment in full of the principal so that the interest hereon for such full period shall not exceed the maximum amount permitted by applicable law. IfAny provision hereof, or of any other agreement between the holder hereof and Maker, that operates to bind, obligate, or compel Maker to pay interest in excess of interest is provided for, contracted for, charged for or received, thensuch maximum effective contract rate shall be construed to require the payment of the maximum rate only. The provisions of this paragraph shall govern and control and neither the Maker hereof norbe given precedence over any other party liable forprovision contained in this Note or in any other agreement between the payment hereof shall be obligated to pay the amount of such excess interest. Any such excess interest which may have been collected shall be, at the Holder's option, either applied as a credit against the then unpaid principal amount hereof or refunded to Maker. The effective rate of interest shall be automatically subject to reduction to the maximum lawful contract rate allowed under the usury laws as now or hereafter construed. It is further agreed that without limitation of the foregoing, all calculations of the rate of interest contracted for, charged for, or received under this Promissory Note which are made for the purposes of determining whether such rate exceeds the maximum lawful rate, shall be made, to the extent permitted by law, by amortizing, prorating, allocating and spreading in equal parts during the full stated termholder of this Note, all interest contracted for, charged for or received fromNote and Maker that is in conflict with the Maker or otherwise by the Note Holder.provisions of this paragraph.

It isUsury. To the intention ofextent it may lawfully do so, the parties heretoCompany hereby agrees not to comply withinsist upon or plead or in any manner whatsoever claim, and will resist any and all efforts to be compelled to take the benefit or advantage of, usury laws applicablewherever enacted, now or at any time hereafter in force, in connection with any action or proceeding that may be brought by the Holder in order to enforce any right or remedy under this loan if any, accordingly it is agreed that notwithstandingNote. Notwithstanding any provision to the contrary contained in this Promissory Note or in anyNote, it is expressly agreed and provided that the total liability of the documents securing payment hereofCompany under this Note for payments which under the applicable law are in the nature of interest shall not exceed the maximum lawful rate authorized under applicable law (the “Maximum Rate”), and, without limiting the foregoing, in no event shall any rate of interest or default interest, or both of them, when aggregated with any other sums which under the applicable law in the nature of interest that the Company may be obligated to pay under this Note exceed such provision shall requireMaximum Rate. It is agreed that if the paymentmaximum contract rate of interest allowed by applicable law and applicable to this Note is increased or permitdecreased by statute or any official governmental action subsequent to the collectionIssue Date, the new maximum contract rate of interest allowed by law will be the Maximum Rate applicable to this Note from the effective date thereof forward, unless such application is precluded by applicable law. If under any circumstances whatsoever, interest in excess of the maximum permittedMaximum Rate is paid by law. If anythe Company to the Holder with respect to indebtedness evidenced by this the Note, such excess of interest is provided for, contracted for, charged for or received, then the provisions of this paragraph shall govern and control and neither the Maker hereof nor any other party liable for the payment hereof shall be obligatedapplied by the Holder to pay the amountunpaid principal balance of any such indebtedness or be refunded to the Company, the manner of handling such excess interest. Any such excess interest which may have been collected shall be,to be at the Holder'Holder’s option, either applied as a credit against the then unpaid principal amount hereof or refunded to Maker. The effective rate of interest shall be automatically subject to reduction to the maximum lawful contract rate allowed under the usury laws as now or hereafter construed. It is further agreed that without limitation of the foregoing, all calculations of the rate of interest contracted for, charged for, or received under this Promissory Note which are made for the purposes of determining whether such rate exceeds the maximum lawful rate, shall be made, to the extent permitted by law, by amortizing, prorating, allocating and spreading in equal parts during the full stated term of this Note, all interest contracted for, charged for or received from the Maker or otherwise by the Note Holder.election.

USURY. It is the intention of the parties heretoMaker and the Payee or Holder to comply withconform strictly to the applicable federal or state usury laws applicablenow or hereafter in force with respect to this loan if any, accordingly it is agreed that notwithstanding any provision toNote. To such end (i) the contraryaggregate of all interest and other charges constituting interest under such applicable usury laws and contracted for, chargeable or receivable under all documents and instruments now or hereafter executed in connection with this Promissory Note or in anyshall never exceed the maximum amount of the documents securing payment hereof no such provision shall require the payment or permit the collection of interestinterest, nor produce a rate in excess of the maximum permitted by law. Ifcontract rate of interest that the Payee or Holder is authorized to charge the Maker under such applicable usury laws (the "Maximum Rate"); (ii) if any excess of interest is provided for, contracted for, charged forit shall be deemed a mistake, and the excess shall, at the option of the Payee or received, thenHolder, either be refunded to the provisionsMaker or credited on the unpaid principal balance of this paragraph shall governNote, and control and neither the Maker hereof nor any other party liable for the payment hereofthis Note shall be obligatedautomatically reformed to paypermit for only the collection of interest computed at the Maximum Rate; (iii) in determining the maximum amount of such excess interest. Any such excess interest whichthat the Payee or Holder may have been collected shall be, atcharge to the Holder's option, either applied as a credit against the then unpaid principal amount hereof or refunded to Maker. The effective rate ofMaker, all interest shall be automatically subject to reductionamortized, prorated, allocated and spread over the entire term of this Note to the maximum lawful contract rate allowed under the usury laws as now or hereafter construed. It is further agreed that without limitation of the foregoing, all calculations of the rate of interest contracted for, charged for, or received under this Promissory Note which are made for the purposes of determining whether such rate exceeds the maximum lawful rate, shall be made, to thefull extent permitted by law, by amortizing, prorating, allocatingapplicable federal or state law; and spreading(iv) in equal parts during the full stated termevent that this Note is prepaid or the maturity is accelerated, unearned interest shall be cancelled and, if theretofore paid, shall at the option of this Note, all interest contracted for, charged forthe Payee or received fromHolder, either be refunded to the Maker or otherwise bycredited on the Note Holder.unpaid balance of this Note.

It isIn no event shall the intentioninterest charged under this Note be in excess of the parties hereto to comply withlegal maximum rate of interest (if any) allowed by applicable law, as such applicable law now exists or as such applicable law may be changed in the usury laws applicable to this loan if any, accordingly itfuture, and, in the event that interest is agreed that notwithstanding any provision to the contrary in this Promissory Note or in any of the documents securing payment hereof no such provision shall require the payment or permit the collection of interestcharged at a rate in excess of the maximum permitted by law. Ifrate allowed, any excess of interest is provided for, contracted for, charged for or received, then the provisions of this paragraphsums collected hereunder shall govern and control and neither the Maker hereof nor any other party liable for the payment hereof shall be obligated to pay the amount of such excess interest. Any such excess interest which may have been collected shall be, at the Holder's option, either applied as a credit againstreduction of principal, it being the then unpaid principal amount hereof or refunded to Maker. The effectiveintent of the Maker and the Payee that the Maker shall pay no more and the Payee shall collect no more than the sums allowed using a lawful rate of interest shall be automatically subject to reduction to the maximum lawful contract rate allowed under the usury laws as now or hereafter construed. It is further agreed that without limitation of the foregoing, all calculations of the rate of interest contracted for, charged for, or received under this Promissory Note which are made for the purposes of determining whether such rate exceeds the maximum lawful rate, shall be made, to the extent permitted by law, by amortizing, prorating, allocating and spreading in equal parts during the full stated term of this Note, all interest contracted for, charged for or received from the Maker or otherwise by the Note Holder.interest.

It isUsury. To the intention ofextent it may lawfully do so, the parties heretoCompany hereby agrees not to comply withinsist upon or plead or in any manner whatsoever claim, and will resist any and all efforts to be compelled to take the benefit or advantage of, usury laws applicablewherever enacted, now or at any time hereafter in force, in connection with any claim, action or proceeding that may be brought by the Purchaser in order to this loan if any, accordingly it is agreed that notwithstandingenforce any right or remedy under the Note. Notwithstanding any provision to the contrary contained in this Promissoryherein or under the Note, it is expressly agreed and provided that the total liability of the Company under the Note for payments in the nature of interest shall not exceed the maximum lawful rate authorized under applicable law (the “Maximum Rate”), and, without limiting the foregoing, in no event shall any rate of interest or default interest, or both of them, when aggregated with any other sums in the nature of interest that the Company may be obligated to pay under the Note or inherein exceed such Maximum Rate. It is agreed that if the maximum contract rate of interest allowed by law and applicable to the Note is increased or decreased by statute or any official governmental action subsequent to the date hereof, the new maximum contract rate of interest allowed by law will be the documents securing payment hereof noMaximum Rate applicable to the Note from the effective date forward, unless such provision shall require the payment or permit the collection ofapplication is precluded by applicable law. If under any circumstances whatsoever, interest in excess of the maximum permittedMaximum Rate is paid by law. If anythe Company to the Purchaser with respect to indebtedness evidenced by the Note, such excess of interest is provided for, contracted for, charged for or received, then the provisions of this paragraph shall govern and control and neither the Maker hereof nor any other party liable for the payment hereof shall be obligatedapplied by the Purchaser to pay the amountunpaid principal balance of any such indebtedness or be refunded to the Company, the manner of handling such excess interest. Any such excess interest which may have been collected shall be,to be at the Holder'Purchaser’s option, either applied as a credit against the then unpaid principal amount hereof or refunded to Maker. The effective rate of interest shall be automatically subject to reduction to the maximum lawful contract rate allowed under the usury laws as now or hereafter construed. It is further agreed that without limitation of the foregoing, all calculations of the rate of interest contracted for, charged for, or received under this Promissory Note which are made for the purposes of determining whether such rate exceeds the maximum lawful rate, shall be made, to the extent permitted by law, by amortizing, prorating, allocating and spreading in equal parts during the full stated term of this Note, all interest contracted for, charged for or received from the Maker or otherwise by the Note Holder.election.

It is the intentionintent of the parties heretoLenders and the Borrowers to complyconform to and contract in strict compliance with applicable usury law from time to time in effect. All agreements between the usury lawsLenders and the Credit Parties are hereby limited by the provisions of this paragraph which shall override and control all such agreements, whether now existing or hereafter arising and whether written or oral. In no way, nor in any event or contingency (including, but not limited to, prepayment or acceleration of the maturity of any obligation), shall the interest taken, reserved, contracted for, charged, or received under this Credit Agreement, under the Notes or otherwise, exceed the maximum nonusurious amount permissible under applicable to this loan if any, accordingly it is agreed that notwithstandinglaw. If, from any provision to the contrary in this Promissory Note or inpossible construction of any of the documents securing payment hereof no such provision shall require the paymentCredit Documents or permit the collection ofany other document, interest would otherwise be payable in excess of the maximum permitted by law. Ifnonusurious amount, any excess of interest is provided for, contracted for, charged for or received, thensuch construction shall be subject to the provisions of this paragraph shall govern and control and neither the Maker hereof nor any other party liable for the payment hereof shall be obligated to pay the amount of such excess interest. Any such excess interest which may have been collected shall be, at the Holder's option, either applied as a credit against the then unpaid principal amount hereof or refunded to Maker. The effective rate of interest shall be automatically subject to reductionreduced to the maximum lawful contract rate allowednonusurious amount permitted under applicable law, without the usury lawsnecessity of execution of any amendment or new document. If any [[Organization A:Organization]] shall ever receive anything of value which is characterized as now or hereafter construed. It is further agreed that without limitationinterest on the Loans under applicable law and which would, apart from this provision, be in excess of the foregoing, all calculations of the rate of interest contracted for, charged for, or received under this Promissory Note which are made for the purposes of determining whether such rate exceeds the maximum lawful rate, shallamount, an amount equal to the amount which would have been excessive interest shall, without penalty, be made,applied to the reduction of the principal amount owing on the Loans and not to the payment of interest, or refunded to the Borrowers or the other payor thereof if and to the extent such amount which would have been excessive exceeds such unpaid principal amount of the Loans. The right to demand payment of the Loans or any other indebtedness evidenced by any of the Credit Documents does not include the right to receive any interest which has not otherwise accrued on the date of such demand, and the Lenders do not intend to charge or receive any unearned interest in the event of such demand. All interest paid or agreed to be paid to the Lenders with respect to the Loans shall, to the extent permitted by applicable law, by amortizing, prorating, allocatingbe amortized, prorated, allocated, and spreading in equal parts duringspread throughout the full stated term of this Note, all interest contracted for, charged for or received from the Maker or otherwise by the Note Holder.(including any

ItUsury. Notwithstanding any provision of this Note to the contrary, it is the intentionintent of the parties heretoBorrower and the Lender that the Lender shall not at any time be entitled to comply withreceive, collect or apply, and the usury laws applicableBorrower and the Lender shall not be deemed to this loan if any, accordingly it is agreed that notwithstandinghave contracted for, as interest on the principal indebtedness evidenced hereby, any provision to the contrary in this Promissory Note or in any of the documents securing payment hereof no such provision shall require the payment or permit the collection of interestamount in excess of the maximum permitted by law. If any excess of interest is provided for, contracted for, charged for or received, then the provisions of this paragraph shall govern and control and neither the Maker hereof nor any other party liable for the payment hereof shall be obligated to pay the amount of such excess interest. Any such excess interest which may have been collected shall be, at the Holder's option, either applied as a credit against the then unpaid principal amount hereof or refunded to Maker. The effective rate of interest permitted to be charged by applicable law, and in the event the Lender ever receives, collects or applies as interest any such excess, such excess shall be automatically subject to reductiondeemed partial payment of the principal indebtedness evidenced hereby, and if such principal shall be paid in full, any such excess shall forthwith be paid to the maximum lawful contract rate allowed under the usury laws as now or hereafter construed. It is further agreed that without limitation of the foregoing, all calculations of the rate of interest contracted for, charged for, or received under this Promissory Note which are made for the purposes of determining whether such rate exceeds the maximum lawful rate, shall be made, to the extent permitted by law, by amortizing, prorating, allocating and spreading in equal parts during the full stated term of this Note, all interest contracted for, charged for or received from the Maker or otherwise by the Note Holder.Borrower.

It isNothing herein contained, nor in any instrument or transaction relating hereto, shall be construed or so operate as to require the Borrower, or any person liable for the payment of this Note, to pay interest in an amount or at a rate greater than the highest rate permissible under applicable law. By acceptance hereof, Lender hereby warrants and represents to Borrower that Lender has no intention of charging a usurious rate of interest. Should any interest or other charges paid by Borrower, or any parties liable for the parties hereto to comply with the usury laws applicablepayments made pursuant to this loan if any, accordingly it is agreed that notwithstanding any provision toNote result in the contrary in this Promissory Notecomputation or in any of the documents securing payment hereof no such provision shall require the payment or permit the collectionearning of interest in excess of the maximumhighest rate permissible under applicable law, any and all such excess shall be and the same is hereby waived by the holder hereof. Lender shall make adjustments in the Note as necessary to ensure that Borrower will not be required to pay further interest in excess of the amount permitted by applicable law. IfAll such excess shall be automatically credited against and in reduction of the outstanding principal balance. Any portion of such excess which exceeds the outstanding principal balance shall be paid by the holder hereof to the Lender and any excess of interest is provided for, contracted for, chargedparties liable for or received, then the provisionspayment of this paragraphNote, it being the intent of the parties hereto that under no circumstances shall govern and control and neither the Maker hereof norBorrower, or any other party liable for the payment hereof shallpayments hereunder, be obligatedrequired to pay the amount of suchinterest in excess interest. Any such excess interest which may have been collected shall be, at the Holder's option, either applied as a credit against the then unpaid principal amount hereof or refunded to Maker. The effective rate of interest shall be automatically subject to reduction to the maximum lawful contract rate allowed under the usury laws as now or hereafter construed. It is further agreed that without limitation of the foregoing, all calculations of thehighest rate of interest contracted for, charged for, or receivedpermissible under this Promissory Note which are made for the purposes of determining whether such rate exceeds the maximum lawful rate, shall be made, to the extent permitted by law, by amortizing, prorating, allocating and spreading in equal parts during the full stated term of this Note, all interest contracted for, charged for or received from the Maker or otherwise by the Note Holder.applicable law.

It is the intentionSECTION # Usury Laws. Any provision of this Agreement or any of the parties hereto to comply with the usury laws applicable to this loan if any, accordingly it is agreed that notwithstanding any provisionother Credit Documents to the contrary notwithstanding, the Borrower and the Lender agree that they do not intend for the interest or other consideration provided for in this Promissory NoteAgreement and the other Credit Documents to be greater than the maximum amount permitted by applicable law. Regardless of any provision in this Agreement or in any of the documents securing payment hereof no such provisionother Credit Documents, the Lender shall requirenot be entitled to receive, collect or apply, as interest on the payment or permit the collection of interestObligations, any amount in excess of the maximum permitted by law. If any excess of interest is provided for, contracted for, charged for or received, then the provisions of this paragraph shall govern and control and neither the Maker hereof nor any other party liable for the payment hereof shall be obligated to pay the amount of such excess interest. Any such excess interest which may have been collected shall be, at the Holder's option, either applied as a credit against the then unpaid principal amount hereof or refunded to Maker. The effective rate of interest permitted to be charged under applicable law until such time, if any, as that interest, together with all other interest then payable, falls within the then applicable maximum lawful rate of interest. If the Lender shall receive, collect or apply any amount in excess of the then maximum rate of interest, the amount that would be excessive interest shall be automatically subjectapplied first to the reduction of the principal amount of the Obligations then outstanding in the inverse order of maturity, and second, if such principal amount is paid in full, any excess shall forthwith be returned to the Borrower. In determining whether the interest paid or payable under any specific contingency exceeds the highest lawful rate, the Borrower and the Lender shall, to the maximum lawful contract rate allowedextent permitted under applicable law, # characterize any nonprincipal payment as an expense, fee or premium rather than as interest, # exclude voluntary prepayments and the usury lawseffects thereof, # consider all the Obligations as now or hereafter construed. It is further agreed that without limitationone general obligation of the foregoing, all calculationsBorrower, and # "spread" the total amount of the rate of interest contracted for, charged for, or received under this Promissory Note which are made for the purposes of determining whether such rate exceeds the maximum lawful rate, shall be made, to the extent permitted by law, by amortizing, prorating, allocating and spreading in equal parts during the full stated term of this Note, all interest contracted for, charged for or received from the Maker or otherwise by the Note Holder.

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