ANNUAL REVIEW / RENEWAL OF CREDIT LINE. At Lender’s discretion, Lender may complete an annual review of Borrower’s credit line and consider renewal of this credit line for future advances. Borrower understands that decision to renew credit line is determined by Lender. Material changes to financial position and/or repayment history with Lender and/or other creditors will negatively impact Borrower’s potential for renewal of this credit line. Borrower may be required to provide updated financial statements and/or anticipated crop plan information for consideration of a renewal by Lender. At Lender’s discretion, and except as prohibited by applicable law, Lender may change Borrower’s credit limit, maturity date, fees, costs, interest rate or other terms of this Agreement at any time. Lender will notify Borrower of any change to this Agreement either by sending Borrower a separate notice or by reflecting such change on Borrower’s billing statement. Please be aware that any change to this Agreement may take effect before Borrower receives notification from Lender, and all such changes shall be binding upon Borrower and Lender. Borrower may request a change to Borrower’s credit limit by contacting Lender. Lender may require additional documentation from Borrower before approving or denying changes to Borrower’s credit limit. Underwriting and renewal of any credit facility is always subject to discretion of Lender and Lender may, at any time, decline to renew a credit facility or require additional information prior to making a determination of whether or not to renew a credit facility. In the event any change will cause a fee, rate or minimum payment to increase (other than due to a change in the Prime Rate), Lender will mail Borrower written notice at least 15 days before the beginning of the billing period in which the change will become effective. If Borrower does not agree to any such change, Borrower must notify Lender in writing that Borrower does not agree to such change within 25 days after the effective date of the change and pay Lender the total outstanding balance under the terms of the unchanged Agreement. 6.
