Common use of Interest Rate Calculations; Payments Clause in Contracts

Interest Rate Calculations; Payments. The interest rate on this Note will be equal to the interest rate calculated by reference to the Interest Rate Basis specified on the face hereof (i) plus or minus the Spread, if any, (ii) multiplied by the Spread Multiplier, if any, or (iii) plus or minus the Spread, if any and multiplied by the Spread Multiplier, if any. The "Spread" is the number of basis points (one basis point equals one one-hundredth of a percentage point) specified on the face hereof as being applicable to this Note, and the "Spread Multiplier" is the percentage specified on the face hereof as being applicable to this Note. Specified on the face hereof is the Interest Rate Basis and the Spread and/or Spread Multiplier, if any, and the maximum or minimum interest rate, if any, applicable to this Note. Specified on the face hereof are particulars as to the Calculation Agent (unless otherwise specified, Bank One, National Association (in such capacity, the "Calculation Agent")), Index Maturity, Original Issue Date, the interest rate in effect for the period from the Original Issue Date to the first Interest Reset Date specified on the face hereof (the "Initial Interest Rate"), Interest Determination Dates, Interest Payment Dates, Regular Record Dates and Interest Reset Dates with respect to this Note. Except as provided below, the Interest Payment Dates for the payment of interest and, if this Note is an Amortizing Note, principal on this Note will be (i) if this Note resets daily, weekly or monthly, the third Wednesday of each month or the third Wednesday of March, June, September and December of each year, as specified on the face hereof; (ii) if this Note resets quarterly, the third Wednesday of March, June, September and December of each year, as specified on the face hereof; (iii) if this Note resets semi-annually, the third Wednesday of the two months of each year specified on the face hereof; and (iv) if this Note resets annually, the third Wednesday of the one month of each year specified on the face hereof and, in each case, at Maturity. If any Interest Payment Date, other than Maturity, for this Note is not a Business Day for this Note, such Interest Payment Date will be postponed to the next day that is a Business Day for this Note, except that if the Interest Rate Basis specified on the face hereof is LIBOR, if such Business Day is in the next succeeding calendar month, such Interest Payment Date will be the immediately preceding London Business Day. If the Maturity for this Note falls on a day that is not a Business Day, payment of principal, premium, if any, and interest to be made on such day with respect to this Note will be made on the next day that is a Business Day with the same force and effect as if made on the due date, and no additional interest will be payable on the date of payment for the period from and after the due date as a result of such delayed payment. The rate of interest on this Note will be reset daily, weekly, monthly, quarterly, semiannually or annually (such period being the "Reset Period" for this Note, and the first day of each Reset Period being an "Interest Reset Date"), as specified on the face hereof. Unless otherwise specified on the face hereof, the Interest Reset Date will be, if this Note resets daily, each Business Day for this Note; if this Note resets weekly (unless the Interest Rate Basis specified on the face hereof is the Treasury Rate), the Wednesday of each week; if this Note resets weekly and the Interest Rate Basis specified on the face hereof is the Treasury Rate, the Tuesday of each week (except as specified below); if this Note resets monthly (unless the Interest Rate Basis specified on the face hereof is the 11th District Cost of Funds Rate), the third Wednesday of each month; if this Note resets monthly and the Interest Rate Basis specified on the face hereof is the 11th District Cost of Funds Rate, the first calendar day of the month; if this Note resets quarterly, the third Wednesday of each March, June, September and December; if this Note resets semi-annually, the third Wednesday of the two months of each year specified on the face hereof; and if this Note resets annually, the third Wednesday of the one month of each year specified on the face hereof; provided, however, that the interest rate in effect from the Original Issue Date to but excluding the first Interest Reset Date will be the Initial Interest Rate specified on the face hereof. If the Interest Reset Date is not a Business Day for this Note, the Interest Reset Date will be postponed to the next day that is a Business Day for this Note, except that if the Interest Rate Basis specified on the face hereof is LIBOR, if such Business Day is in the next succeeding calendar month, such Interest Reset Date will be the immediately preceding London Business Day. Each adjusted rate will be applicable on and after the Interest Reset Date to which it relates to but excluding the next succeeding Interest Reset Date or until Maturity. The interest rate for each Reset Period will be the rate determined by the Calculation Agent on the Calculation Date (as defined below) pertaining to the Interest Determination Date pertaining to the Interest Reset Date for such Reset Period. Unless otherwise specified on the face hereof, the "Interest Determination Date" pertaining to an Interest Reset Date (a) if the Interest Rate Basis specified on the face hereof is Commercial Paper Rate (the "Commercial Paper Interest Determination Date"), (b) if the Interest Rate Basis specified on the face hereof is CD Rate (the "CD Interest Determination Date"), (c) if the Interest Rate Basis specified on the face hereof is CMT Rate (the "CMT Interest Determination Date"), (d) if the Interest Rate Basis specified on the face hereof is Federal Funds Rate (the "Federal Funds Interest Determination Date"), or (e) if the Interest Rate Basis specified on the face hereof is Prime Rate (the "Prime Interest Determination Date"), will be the second Business Day prior to such Interest Reset Date as specified on the face hereof. Unless otherwise specified on the face hereof, the Interest Determination Date pertaining to an Interest Reset Date, if the Interest Rate Basis specified on the face hereof is 11th District Cost of Funds Rate (the "11th District Interest Determination Date"), will be the last Business Day of the month immediately preceding such Interest Reset Date on which the Federal Home Loan Bank of San Francisco (the "FHLB of San Francisco") publishes the Index (as defined below under "Determination of 11th District Cost of Funds Rate"). Unless otherwise specified on the face hereof, the Interest Determination Date pertaining to an Interest Reset Date, if the Interest Rate Basis specified on the face hereof is LIBOR (the "LIBOR Interest Determination Date"), will be the second London Business Day immediately preceding such Interest Reset Date. Unless otherwise specified on the face hereof, the Interest Determination Date pertaining to an Interest Reset Date, if the Interest Rate Basis specified on the face hereof is Treasury Rate (the "Treasury Interest Determination Date"), will be the day of the week in which such Interest Reset Date falls on which Treasury bills would normally be auctioned. Treasury bills are usually sold at auction on Monday of each week, unless that day is a legal holiday, in which case the auction is usually held on the following Tuesday, except that such auction may be held on the preceding Friday. If an auction is so held on the preceding Friday, such Friday will be the Treasury Interest Determination Date pertaining to the Reset Period commencing in the next succeeding week. Unless otherwise specified on the face hereof, the "Calculation Date" pertaining to any Interest Determination Date will be the earlier of (i) the tenth calendar day after the Interest Determination Date or, if such day is not a Business Day, the next day that is a Business Day, or (ii) the Business Day preceding the applicable Interest Payment Date or Maturity, as the case may be.

Interest Rate Calculations; Payments. The interest rate on this Subordinated Note will be equal to the interest rate calculated by reference to the Interest Rate Basis specified on the face hereof (i) plus or minus the Spread, if any, (ii) multiplied by the Spread Multiplier, if any, or (iii) plus or minus the Spread, if any any, and multiplied by the Spread Multiplier, if any. The "Spread" is the number of basis points (one basis point equals one one-hundredth of a percentage point) specified on the face hereof as being applicable to this Subordinated Note, and the "Spread Multiplier" is the percentage specified on the face hereof as being applicable to this Subordinated Note. Specified on the face hereof is the Interest Rate Basis and the Spread and/or Spread Multiplier, if any, and the maximum or and/or minimum interest rate, if any, applicable to this Subordinated Note. Specified on the face hereof are particulars as to the Calculation Agent (unless otherwise specified, U.S. Bank One, National Association (in such capacity, the "Calculation Agent")), Index Maturity, Original Issue Date, the interest rate in effect for the period from the Original Issue Date to the first Interest Reset Date specified on the face hereof (the "Initial Interest Rate"), Interest Determination Dates, Interest Payment Dates, Regular Record Dates and Interest Reset Dates with respect to this Subordinated Note. Except as provided below, the Interest Payment Dates for the payment of interest and, if this Subordinated Note is an Amortizing Note, principal on this Subordinated Note will be be: (i) if this Subordinated Note resets daily, weekly or monthly, the third Wednesday of each month or the third Wednesday of March, June, September and December of each year, as specified on the face hereof; (ii) if this Subordinated Note resets quarterly, the third Wednesday of March, June, September and December of each year, as specified on the face hereof; (iii) if this Subordinated Note resets semi-annually, the third Wednesday of each of the two months of each year specified on the face hereof; and (iv) if this Subordinated Note resets annually, the third Wednesday of the one month of each year specified on the face hereof hereof; and, in each case, at Maturity. If any Interest Payment Date, other than Maturity, for this Subordinated Note is not a Business Day for this Subordinated Note, such Interest Payment Date will be postponed to the next day that is a succeeding Business Day for this Subordinated Note, except that if the Interest Rate Basis specified on the face hereof is LIBOR, if such Business Day is in the next succeeding calendar month, such Interest Payment Date will be the immediately preceding London Business Day, in each case with the same force and effect as if made on the Interest Payment Date. If the Maturity for this Subordinated Note falls on a day that is not a Business Day, then payment of principal, premium, if any, and or interest to need not be made on such day with respect to this Note will date but may be made on the next day that is a succeeding Business Day with the same force and effect as if made on the due date, and no additional interest will be payable on the date of payment for the period from and after the due date as a result of such delayed payment. The rate of interest on this Subordinated Note will be reset daily, weekly, monthly, quarterly, semiannually semi-annually or annually (such period being the "Reset Period" for this Subordinated Note, and the first day of each Reset Period being an "Interest Reset Date"), as specified on the face hereof. Unless otherwise specified on the face hereof, the Interest Reset Date will be, : (i) if this Subordinated Note resets daily, each Business Day for this Subordinated Note; (ii) if this Subordinated Note resets weekly (unless the Interest Rate Basis specified on the face hereof is the Treasury Rate), the Wednesday of each week; (iii) if this Subordinated Note resets weekly and the Interest Rate Basis specified on the face hereof is the Treasury Rate, the Tuesday of each week (except as specified below); (iv) if this Subordinated Note resets monthly (unless the Interest Rate Basis specified on the face hereof is the 11th Eleventh District Cost of Funds Rate), the third Wednesday of each month; (v) if this Subordinated Note resets monthly and the Interest Rate Basis specified on the face hereof is the 11th Eleventh District Cost of Funds Rate, the first calendar day of the each month; (vi) if this Subordinated Note resets quarterly, the third Wednesday of each March, June, September and December; (vii) if this Subordinated Note resets semi-annually, the third Wednesday of each of the two months of each year specified on the face hereof; and (viii) if this Subordinated Note resets annually, the third Wednesday of the one month of each year specified on the face hereof; provided, however, that the interest rate in effect from the Original Issue Date to but excluding the first Interest Reset Date will be the Initial Interest Rate specified on the face hereof. If the Interest Reset Date is not a Business Day for this Subordinated Note, the Interest Reset Date will be postponed to the next day that is a succeeding Business Day for this Subordinated Note, except that if the Interest Rate Basis specified on the face hereof is LIBOR, if such Business Day is in the next succeeding calendar month, such Interest Reset Date will be the immediately preceding London Business Day. Each adjusted rate will be applicable on and after the Interest Reset Date to which it relates to but excluding the next succeeding Interest Reset Date or until Maturity. The interest rate for each Reset Period will be the rate determined by the Calculation Agent on the Calculation Date (as defined below) pertaining to the Interest Determination Date pertaining to the Interest Reset Date for such Reset Period; provided, however, that if the Interest Rate Basis specified on the face hereof is LIBOR or the Eleventh District Cost of Funds Rate, such rate will be determined on the applicable Interest Determination Date. Unless otherwise specified on the face hereof, the "Interest Determination Date" pertaining to an Interest Reset Date will be: (ai) if the Interest Rate Basis specified on the face hereof is the Commercial Paper Rate (the "Commercial Paper Interest Determination Date"), the Federal Funds Rate (bthe "Federal Funds Interest Determination Date") or the Prime Rate (the "Prime Interest Determination Date"), the Business Day immediately preceding such Interest Reset Date; (ii) if the Interest Rate Basis specified on the face hereof is the CD Rate (the "CD Interest Determination Date") or the CMT Rate (the "CMT Interest Determination Date"), the second Business Day immediately preceding such Interest Reset Date; (ciii) if the Interest Rate Basis specified on the face hereof is CMT Rate (the "CMT Interest Determination Date"), (d) if the Interest Rate Basis specified on the face hereof is Federal Funds Rate (the "Federal Funds Interest Determination Date"), or (e) if the Interest Rate Basis specified on the face hereof is Prime Rate (the "Prime Interest Determination Date"), will be the second Business Day prior to such Interest Reset Date as specified on the face hereof. Unless otherwise specified on the face hereof, the Interest Determination Date pertaining to an Interest Reset Date, if the Interest Rate Basis specified on the face hereof is 11th Eleventh District Cost of Funds Rate (the "11th Eleventh District Interest Determination Date"), will be the last Business Day of the month immediately preceding such Interest Reset Date on which the Federal Home Loan Bank of San Francisco (the "FHLB of San Francisco") publishes the FHLB Index (as defined below under "Determination of 11th Eleventh District Cost of Funds Rate"). Unless otherwise specified on the face hereof, the Interest Determination Date pertaining to an Interest Reset Date, ; (iv) if the Interest Rate Basis specified on the face hereof is LIBOR (the "LIBOR Interest Determination Date"), will be the second London Business Day immediately preceding such Interest Reset Date. Unless otherwise specified on the face hereof, the Interest Determination Date pertaining to an Interest Reset Date, ; and (v) if the Interest Rate Basis specified on the face hereof is the Treasury Rate (the "Treasury Interest Determination Date"), will be the day of the week in which such Interest Reset Date falls on which Treasury bills would normally be auctioned. Treasury bills are usually sold at auction on Monday of each week, unless that day is a legal holiday, in which case the auction is usually held on the following Tuesday, except that such auction may be held on the preceding Friday. If an auction is so held on the preceding Friday, such Friday will be the Treasury Interest Determination Date pertaining to the Reset Period commencing in the next succeeding week. Unless otherwise specified on the face hereof, the "Calculation Date" pertaining to any Interest Determination Date will be the earlier of (i) the tenth calendar day after the Interest Determination Date or, if such day is not a Business Day, the next day that is a succeeding Business Day, or and (ii) the Business Day preceding the applicable Interest Payment Date or Maturity, as the case may be.

Interest Rate Calculations; Payments. The interest rate on this Note will be equal to either (i) the interest rate calculated by reference to the specified Interest Rate Basis specified on the face hereof (i) plus or minus the Spread, if any, or (ii) multiplied the interest rate calculated by reference to the Spread Multiplier, if any, or (iii) plus or minus the Spread, if any and specified Interest Rate Basis multiplied by the Spread Multiplier, if any. The "Spread" is the number of basis points (one basis point equals one one-hundredth of a percentage point) specified on the face hereof as being applicable to this Note, and the "Spread Multiplier" is the percentage specified on the face hereof as being applicable to this Note. Specified Set forth on the face hereof is are the Interest Rate Basis and the Spread and/or or Spread Multiplier, if any, and the maximum or minimum interest raterate limitation, if any, applicable to this Note. Specified Set forth on the face hereof are particulars as to the Calculation Agent (unless otherwise specifiedspecified otherwise, State Street Bank One, National Association and Trust Company (in such capacity, the "Calculation Agent")), Index Maturity, Original Issue Date, the interest rate in effect for the period from the Original Issue Date to the first Interest Reset Date specified set forth on the face hereof (the "Initial Interest Rate"), Interest Determination Dates, Interest Payment Dates, Regular Record Dates and Interest Reset Dates with respect to this Note. Except as provided below, the Interest Payment Dates for the payment of interest and, if this Note is an Amortizing Note, principal on this Note will be payable (i) if this Note resets daily, weekly or monthly, on the third Wednesday of each month or on the third Wednesday of March, June, September and December of each year, as specified on the face hereof; (ii) if this Note resets quarterly, on the third Wednesday of March, June, September and December of each year, as specified on the face hereof; (iii) if this Note resets semi-annually, on the third Wednesday of the each of two months of each year specified on the face hereof; and (iv) if this Note resets annually, on the third Wednesday of the one month of each year specified on the face hereof and(each such day being an "Interest Payment Date"), and in each case, case at Maturity. If any Interest Payment Date, other than Maturity, for this Note would otherwise be a day that is not a Business Day for this NoteDay, such Interest Payment Date will shall be postponed to the next day that is a Business Day for this NoteDay, except that if the Interest Rate Basis specified on the face hereof this Note is LIBORa LIBOR Note, if such Business Day is in the next succeeding calendar month, such Interest Payment Date will shall be the immediately preceding London Business Day. If the Maturity for this Note falls on a day that is not a Business Day, payment of principal, premium, if any, and interest to be made on such day with respect to this Note will be made on the next day that is a succeeding Business Day with the same force and effect as if made on the due date, and no additional interest will shall be payable on the date of payment for the period from and after the due date as a result of such delayed payment. The rate of interest on this Note will be reset daily, weekly, monthly, quarterly, semiannually semi-annually or annually (such period being the "Reset Period" for this such Note, and the first day of each Reset Period being an "Interest Reset Date"), as specified on the face hereof. Unless otherwise specified on the face hereof, the The Interest Reset Date Dates will be, if this Note resets daily, each Business Day for this NoteDay; if this Note resets weekly (unless the Interest Rate Basis specified on the face hereof is the Treasury Rate), the Wednesday of each week; if this Note resets weekly and the Interest Rate Basis specified on the face hereof is the Treasury Rate, the Tuesday of each week (week, except as specified below)provided in the next succeeding paragraph; if this Note resets monthly (unless the Interest Rate Basis specified on the face hereof is the 11th District Cost of Funds Rate), the third Wednesday of each month; if this Note resets monthly and the Interest Rate Basis specified on the face hereof is the 11th District Cost of Funds Rate, the first calendar day of the month; if this Note resets quarterly, the third Wednesday of each March, June, September and December; if this Note resets semi-annually, the third Wednesday of the two months of each year specified on the face hereof; and if this Note resets annually, the third Wednesday of the one month of each year specified on the face hereof; provided, however, that the interest rate in effect from the Original Issue Date to but excluding the first Interest Reset Date will be the Initial Interest Rate specified on the face hereof. If the Interest Reset Date would otherwise be a day that is not a Business Day for this NoteDay, the Interest Reset Date will shall be postponed to the next day that is a Business Day for this NoteDay, except that if the Interest Rate Basis specified on the face hereof is LIBOR, if such Business Day is in the next succeeding calendar month, such Interest Reset Date will shall be the immediately preceding London Business Day. Each adjusted The interest rate in effect on each day will be applicable on and after (a) if such day is an Interest Reset Date, the interest rate with respect to the Interest Determination Date pertaining to such Interest Reset Date, or (b) if such day is not an Interest Reset Date, the interest rate with respect to the Interest Determination Date pertaining to which it relates the next preceding Interest Reset Date, subject in either case to any maximum or minimum interest rate limitation referred to on the face hereof and to any adjustment by a Spread or a Spread Multiplier referred to on the face hereof; provided, however, that the interest rate in effect for the period from and including the Original Issue Date to but excluding the next succeeding first Interest Reset Date or until Maturityshall be the Initial Interest Rate specified on the face hereof. The interest rate for each Reset Period will be the rate determined by the Calculation Agent on the Calculation Date (as defined below) pertaining to the Interest Determination Date pertaining to the Interest Reset Date for such Reset Period. Unless otherwise specified on the face hereof, the "Interest Determination Date" pertaining to an Interest Reset Date for (a) if the Interest Rate Basis specified on the face hereof is a Commercial Paper Rate Note (the "Commercial Paper Interest Determination Date"), (b) if the Interest Rate Basis specified on the face hereof is CD Rate (the "CD Interest Determination Date"), (c) if the Interest Rate Basis specified on the face hereof is CMT Rate (the "CMT Interest Determination Date"), (d) if the Interest Rate Basis specified on the face hereof is a Federal Funds Rate Note (the "Federal Funds Interest Determination Date"), or (ec) if a CD Rate Note (the "CD Interest Rate Basis specified on the face hereof is Determination Date'), (d) a Prime Rate Note (the "Prime Interest Determination Date"), (e) a CMT Rate Note (the "CMT Interest Determination Date"), or (f) a Kennx Xxxe Note (the "Kennx Xxxe Interest Determination Date") will be the second Business Day prior to such Interest Reset Date as specified on the face hereofDate. Unless otherwise specified on the face hereof, the Interest Determination Date pertaining to an Interest Reset Date, if the Interest Rate Basis specified on the face hereof is Date for an 11th District Cost of Funds Rate Note (the "11th District Interest Determination Date"), ) will be the last Business Day of the month immediately preceding such Interest Reset Date on which the Federal Home Loan Bank of San Francisco (the "FHLB of San Francisco") publishes the Index (as defined below under "Determination of 11th District Cost of Funds Rate"below). Unless otherwise specified on the face hereof, the Interest Determination Date pertaining to an Interest Reset Date, if the Interest Rate Basis specified on the face hereof is Date for a LIBOR Note (the "LIBOR Interest Determination Date"), ) will be the second London Business Day immediately preceding such Interest Reset Date. Unless otherwise specified on the face hereof, the Interest Determination Date pertaining to an Interest Reset Date, if the Interest Rate Basis specified on the face hereof is Date for a Treasury Rate Note (the "Treasury Interest Determination Date"), ) will be the day of the week in which such Interest Reset Date falls on which Treasury bills would normally be auctioned. Treasury bills are usually sold at auction on Monday of each week, unless that day is a legal holiday, in which case the auction is usually held on the following Tuesday, except that such auction may be held on the preceding Friday. If If, as a result of a legal holiday, an auction is so held on the preceding Friday, such Friday will be the Treasury Interest Determination Date pertaining to the Reset Period commencing in the next succeeding week. If an auction date shall fall on any Interest Reset Date for a Treasury Rate Note, then such Interest Reset Date shall instead be the first Business Day immediately following such auction date. Unless otherwise specified on the face hereof, the "Calculation Date" pertaining to any Interest Determination Date will shall be the earlier of (i) the tenth calendar day after the Interest Determination Date or, if such day is not a Business Day, the next day that is a succeeding Business Day, or (ii) the Business Day preceding the applicable Interest Payment Date or Maturity, as the case may be.

Interest Rate Calculations; Payments. The interest rate on borne by this Note will be equal to the interest rate calculated by reference to determined as follows: (i) Unless the Interest Rate Basis Category of this Note is specified on the face hereof as a "Floating Rate/Fixed Rate Note" or an "Inverse Floating Rate Note" or the face hereof specifies that either "Other/Additional Provisions" or an Addendum hereto applies, in each case, relating to a different interest rate formula, this Note shall be designated as a "Regular Floating Rate Note" and, except as set forth below or specified on the face hereof or in an Addendum hereto, shall bear interest at the rate determined by reference to the applicable Interest Rate Basis or Bases (ia) plus or minus the Spread, if any, and/or (iib) multiplied by the Spread Multiplier, if any, or (iii) plus or minus the Spread, if any and multiplied by the Spread Multiplier, if any. The "Spread" is the number of basis points (one basis point equals one one-hundredth of a percentage point) specified on the face hereof as being applicable to this Note, and the "Spread Multiplier" is the percentage specified on the face hereof as being applicable to this Note. Specified on the face hereof is the Interest Rate Basis and the Spread and/or Spread Multiplier, if any, and the maximum or minimum interest rate, if any, applicable to this Note. Specified on the face hereof are particulars as to the Calculation Agent (unless otherwise specified, Bank One, National Association (in such capacity, the "Calculation Agent")), Index Maturity, Original Issue Date, the interest rate in effect for the period from the Original Issue Date to the first Interest Reset Date specified on the face hereof (the "Initial Interest Rate"), Interest Determination Dates, Interest Payment Dates, Regular Record Dates and Interest Reset Dates with respect to this Note. Except as provided below, the Interest Payment Dates for the payment of interest and, if this Note is an Amortizing Note, principal on this Note will be (i) if this Note resets daily, weekly or monthly, the third Wednesday of each month or the third Wednesday of March, June, September and December of each year, as specified on the face hereof; (ii) if this Note resets quarterly, the third Wednesday of March, June, September and December of each year, as specified on the face hereof; (iii) if this Note resets semi-annually, the third Wednesday of the two months of each year specified on the face hereof; and (iv) if this Note resets annually, the third Wednesday of the one month of each year specified on the face hereof and, in each case, at Maturity. If any Interest Payment Date, other than Maturity, for this Note is not a Business Day for this Note, such Interest Payment Date will be postponed to the next day that is a Business Day for this Note, except that if the Interest Rate Basis specified on the face hereof is LIBOR, if such Business Day is in the next succeeding calendar month, such Interest Payment Date will be the immediately preceding London Business Day. If the Maturity for this Note falls on a day that is not a Business Day, payment of principal, premium, if any, and interest to be made on such day with respect to this Note will be made on the next day that is a Business Day with the same force and effect as if made on the due date, and no additional interest will be payable on the date of payment for the period from and after the due date as a result of such delayed payment. The rate of interest on this Note will be reset daily, weekly, monthly, quarterly, semiannually or annually (such period being the "Reset Period" for this Note, and the first day of each Reset Period being an "Interest Reset Date"), case as specified on the face hereof. Unless otherwise specified Commencing on the face hereofInitial Interest Reset Date, the rate at which interest on this Note shall be payable shall be reset as of each Interest Reset Date will be, if this Note resets daily, each Business Day for this Note; if this Note resets weekly (unless the Interest Rate Basis specified on the face hereof is the Treasury Rate), the Wednesday of each week; if this Note resets weekly and the Interest Rate Basis specified on the face hereof is the Treasury Rate, the Tuesday of each week (except as specified below); if this Note resets monthly (unless the Interest Rate Basis specified on the face hereof is the 11th District Cost of Funds Rate), the third Wednesday of each month; if this Note resets monthly and the Interest Rate Basis specified on the face hereof is the 11th District Cost of Funds Rate, the first calendar day of the month; if this Note resets quarterly, the third Wednesday of each March, June, September and December; if this Note resets semi-annually, the third Wednesday of the two months of each year specified on the face hereof; and if this Note resets annually, the third Wednesday of the one month of each year specified on the face hereof; provided, however, that the interest rate in effect for the period, if any, from the Original Issue Date to but excluding the first Initial Interest Reset Date will shall be the Initial Interest Rate; (ii) If the Interest Category of this Note is specified on the face hereof as a "Floating Rate/Fixed Rate Note", then, except as set forth below or specified on the face hereof or in an Addendum hereto, this Note shall bear interest at the rate determined by reference to the applicable Interest Rate Basis or Bases (a) plus or minus the Spread, if any, and/or (b) multiplied by the Spread Multiplier, if any. Commencing on the Initial Interest Reset Date, the rate at which interest on this Note shall be payable shall be reset as of each Interest Reset Date; provided, however, that (y) the interest rate in effect for the period, if any, from the Original Issue Date to the Initial Interest Reset Date shall be the Initial Interest Rate and (z) the interest rate in effect for the period commencing on the Fixed Rate Commencement Date specified on the face hereof to the Maturity Date shall be the Fixed Interest Rate specified on the face hereof. If the hereof or, if no Fixed Interest Reset Date Rate is not a Business Day for this Noteso specified, the Interest Reset Date will be postponed to interest rate in effect on the next day that is a Business Day for this Note, except that immediately preceding the Fixed Rate Commencement Date; (iii) if the Interest Rate Basis Category of this Note is specified on the face hereof is LIBORas an "Inverse Floating Rate Note", if such Business Day is then, except as set forth below or specified on the face hereof or in an Addendum hereto, this Note shall bear interest at the next succeeding calendar month, such Fixed Interest Reset Date will be the immediately preceding London Business Day. Each adjusted rate will be applicable on and after the Interest Reset Date to which it relates to but excluding the next succeeding Interest Reset Date or until Maturity. The interest rate for each Reset Period will be Rate minus the rate determined by the Calculation Agent on the Calculation Date (as defined below) pertaining reference to the applicable Interest Determination Date pertaining to Rate Basis or Bases (a) plus or minus the Interest Reset Date for such Reset Period. Unless Spread, if any, and/or (b) multiplied by the Spread Multiplier, if any; provided, however, that, unless otherwise specified on the face hereofhereof or in an Addendum hereto, the "Interest Determination Date" pertaining to an Interest Reset Date (a) if the Interest Rate Basis specified interest rate hereon shall not be less than zero. Commencing on the face hereof is Commercial Paper Rate (the "Commercial Paper Interest Determination Date"), (b) if the Interest Rate Basis specified on the face hereof is CD Rate (the "CD Interest Determination Date"), (c) if the Interest Rate Basis specified on the face hereof is CMT Rate (the "CMT Interest Determination Date"), (d) if the Interest Rate Basis specified on the face hereof is Federal Funds Rate (the "Federal Funds Interest Determination Date"), or (e) if the Interest Rate Basis specified on the face hereof is Prime Rate (the "Prime Interest Determination Date"), will be the second Business Day prior to such Interest Reset Date as specified on the face hereof. Unless otherwise specified on the face hereof, the Interest Determination Date pertaining to an Initial Interest Reset Date, the rate at which interest on this Note shall be payable shall be reset as of each Interest Reset Date; provided, however, that the interest rate in effect for the period, if any, from the Interest Rate Basis specified on Original Issue Date to the face hereof is 11th District Cost of Funds Rate (the "11th District Interest Determination Date"), will be the last Business Day of the month immediately preceding such Initial Interest Reset Date on which the Federal Home Loan Bank of San Francisco (the "FHLB of San Francisco") publishes the Index (as defined below under "Determination of 11th District Cost of Funds Rate"). Unless otherwise specified on the face hereof, the Interest Determination Date pertaining to an Interest Reset Date, if the Interest Rate Basis specified on the face hereof is LIBOR (the "LIBOR Interest Determination Date"), will shall be the second London Business Day immediately preceding such Initial Interest Reset DateRate. Unless otherwise specified on the face hereof, the Interest Determination Date pertaining to an Interest Reset Date, if the Interest Rate Basis specified on the face hereof is Treasury Rate (the The "Treasury Interest Determination Date"), will be the day of the week in which such Interest Reset Date falls on which Treasury bills would normally be auctioned. Treasury bills are usually sold at auction on Monday of each week, unless that day is a legal holiday, in which case the auction is usually held on the following Tuesday, except that such auction may be held on the preceding Friday. If an auction is so held on the preceding Friday, such Friday will be the Treasury Interest Determination Date pertaining to the Reset Period commencing in the next succeeding week. Unless otherwise specified on the face hereof, the "Calculation DateSpread" pertaining to any Interest Determination Date will be the earlier of (i) the tenth calendar day after the Interest Determination Date or, if such day is not a Business Day, the next day that is a Business Day, or (ii) the Business Day preceding the applicable Interest Payment Date or Maturity, as the case may be.is

Interest Rate Calculations; Payments. The interest rate on this Senior Note will be equal to the interest rate calculated by reference to the Interest Rate Basis specified on the face hereof (i) plus or minus the Spread, if any, (ii) multiplied by the Spread Multiplier, if any, or (iii) plus or minus the Spread, if any any, and multiplied by the Spread Multiplier, if any. The "Spread" is the number of basis points (one basis point equals one one-hundredth of a percentage point) specified on the face hereof as being applicable to this Senior Note, and the "Spread Multiplier" is the percentage specified on the face hereof as being applicable to this Senior Note. Specified on the face hereof is the Interest Rate Basis and the Spread and/or Spread Multiplier, if any, and the maximum or and/or minimum interest rate, if any, applicable to this Senior Note. Specified on the face hereof are particulars as to the Calculation Agent (unless otherwise specified, U.S. Bank One, National Association (in such capacity, the "Calculation Agent")), Index Maturity, Original Issue Date, the interest rate in effect for the period from the Original Issue Date to the first Interest Reset Date specified on the face hereof (the "Initial Interest Rate"), Interest Determination Dates, Interest Payment Dates, Regular Record Dates and Interest Reset Dates with respect to this Senior Note. Except as provided below, the Interest Payment Dates for the payment of interest and, if this Senior Note is an Amortizing Note, principal on this Senior Note will be be: (i) if this Senior Note resets daily, weekly or monthly, the third Wednesday of each month or the third Wednesday of March, June, September and December of each year, as specified on the face hereof; (ii) if this Senior Note resets quarterly, the third Wednesday of March, June, September and December of each year, as specified on the face hereof; (iii) if this Senior Note resets semi-annually, the third Wednesday of each of the two months of each year specified on the face hereof; and (iv) if this Senior Note resets annually, the third Wednesday of the one month of each year specified on the face hereof hereof; and, in each case, at Maturity. If any Interest Payment Date, other than Maturity, for this Senior Note is not a Business Day for this Senior Note, such Interest Payment Date will be postponed to the next day that is a succeeding Business Day for this Senior Note, except that if the Interest Rate Basis specified on the face hereof is LIBOR, if such Business Day is in the next succeeding calendar month, such Interest Payment Date will be the immediately preceding London Business Day, in each case with the same force and effect as if made on the Interest Payment Date. If the Maturity for this Senior Note falls on a day that is not a Business Day, then payment of principal, premium, if any, and or interest to need not be made on such day with respect to this Note will date but may be made on the next day that is a succeeding Business Day with the same force and effect as if made on the due date, and no additional interest will be payable on the date of payment for the period from and after the due date as a result of such delayed payment. The rate of interest on this Senior Note will be reset daily, weekly, monthly, quarterly, semiannually semi-annually or annually (such period being the "Reset Period" for this Senior Note, and the first day of each Reset Period being an "Interest Reset Date"), as specified on the face hereof. Unless otherwise specified on the face hereof, the Interest Reset Date will be, : (i) if this Senior Note resets daily, each Business Day for this Senior Note; (ii) if this Senior Note resets weekly (unless the Interest Rate Basis specified on the face hereof is the Treasury Rate), the Wednesday of each week; (iii) if this Senior Note resets weekly and the Interest Rate Basis specified on the face hereof is the Treasury Rate, the Tuesday of each week (except as specified below); (iv) if this Senior Note resets monthly (unless the Interest Rate Basis specified on the face hereof is the 11th Eleventh District Cost of Funds Rate), the third Wednesday of each month; (v) if this Senior Note resets monthly and the Interest Rate Basis specified on the face hereof is the 11th Eleventh District Cost of Funds Rate, the first calendar day of the each month; (vi) if this Senior Note resets quarterly, the third Wednesday of each March, June, September and December; (vii) if this Senior Note resets semi-annually, the third Wednesday of each of the two months of each year specified on the face hereof; and (viii) if this Senior Note resets annually, the third Wednesday of the one month of each year specified on the face hereof; provided, however, that the interest rate in effect from the Original Issue Date to but excluding the first Interest Reset Date will be the Initial Interest Rate specified on the face hereof. If the Interest Reset Date is not a Business Day for this Senior Note, the Interest Reset Date will be postponed to the next day that is a succeeding Business Day for this Senior Note, except that if the Interest Rate Basis specified on the face hereof is LIBOR, if such Business Day is in the next succeeding calendar month, such Interest Reset Date will be the immediately preceding London Business Day. Each adjusted rate will be applicable on and after the Interest Reset Date to which it relates to but excluding the next succeeding Interest Reset Date or until Maturity. The interest rate for each Reset Period will be the rate determined by the Calculation Agent on the Calculation Date (as defined below) pertaining to the Interest Determination Date pertaining to the Interest Reset Date for such Reset Period; provided, however, that if the Interest Rate Basis specified on the face hereof is LIBOR or the Eleventh District Cost of Funds Rate, such rate will be determined on the applicable Interest Determination Date. Unless otherwise specified on the face hereof, the "Interest Determination Date" pertaining to an Interest Reset Date will be: (ai) if the Interest Rate Basis specified on the face hereof is the Commercial Paper Rate (the "Commercial Paper Interest Determination Date"), the Federal Funds Rate (bthe "Federal Funds Interest Determination Date") or the Prime Rate (the "Prime Interest Determination Date"), the Business Day immediately preceding such Interest Reset Date; (ii) if the Interest Rate Basis specified on the face hereof is the CD Rate (the "CD Interest Determination Date") or the CMT Rate (the "CMT Interest Determination Date"), the second Business Day immediately preceding such Interest Reset Date; (ciii) if the Interest Rate Basis specified on the face hereof is CMT Rate (the "CMT Interest Determination Date"), (d) if the Interest Rate Basis specified on the face hereof is Federal Funds Rate (the "Federal Funds Interest Determination Date"), or (e) if the Interest Rate Basis specified on the face hereof is Prime Rate (the "Prime Interest Determination Date"), will be the second Business Day prior to such Interest Reset Date as specified on the face hereof. Unless otherwise specified on the face hereof, the Interest Determination Date pertaining to an Interest Reset Date, if the Interest Rate Basis specified on the face hereof is 11th Eleventh District Cost of Funds Rate (the "11th Eleventh District Interest Determination Date"), will be the last Business Day of the month immediately preceding such Interest Reset Date on which the Federal Home Loan Bank of San Francisco (the "FHLB of San Francisco") publishes the FHLB Index (as defined below under "Determination of 11th Eleventh District Cost of Funds Rate"). Unless otherwise specified on the face hereof, the Interest Determination Date pertaining to an Interest Reset Date, ; (iv) if the Interest Rate Basis specified on the face hereof is LIBOR (the "LIBOR Interest Determination Date"), will be the second London Business Day immediately preceding such Interest Reset Date. Unless otherwise specified on the face hereof, the Interest Determination Date pertaining to an Interest Reset Date, ; and (v) if the Interest Rate Basis specified on the face hereof is the Treasury Rate (the "Treasury Interest Determination Date"), will be the day of the week in which such Interest Reset Date falls on which Treasury bills would normally be auctioned. Treasury bills are usually sold at auction on Monday of each week, unless that day is a legal holiday, in which case the auction is usually held on the following Tuesday, except that such auction may be held on the preceding Friday. If an auction is so held on the preceding Friday, such Friday will be the Treasury Interest Determination Date pertaining to the Reset Period commencing in the next succeeding week. Unless otherwise specified on the face hereof, the "Calculation Date" pertaining to any Interest Determination Date will be the earlier of (i) the tenth calendar day after the Interest Determination Date or, if such day is not a Business Day, the next day that is a succeeding Business Day, or and (ii) the Business Day preceding the applicable Interest Payment Date or Maturity, as the case may be.

Interest Rate Calculations; Payments. The interest rate on this Note will be equal to either (i) the interest rate calculated by reference to the specified Interest Rate Basis specified on the face hereof (i) plus or minus the Spread, if any, or (ii) multiplied the interest rate calculated by reference to the Spread Multiplier, if any, or (iii) plus or minus the Spread, if any and specified Interest Rate Basis multiplied by the Spread Multiplier, if any. The "Spread" is the number of basis points (one basis point equals one one-hundredth of a percentage point) specified on the face hereof as being applicable to this Note, and the "Spread Multiplier" is the percentage specified on the face hereof as being applicable to this Note. Specified Set forth on the face hereof is are the Interest Rate Basis and the Spread and/or or Spread Multiplier, if any, and the maximum or minimum interest raterate limitation, if any, applicable to this Note. Specified Set forth on the face hereof are particulars as to the Calculation Agent (unless otherwise specifiedspecified otherwise, State Street Bank One, National Association and Trust Company (in such capacity, the "Calculation Agent")), Index Maturity, Original Issue Date, the interest rate in effect for the period from the Original Issue Date to the first Interest Reset Date specified set forth on the face hereof (the "Initial Interest Rate"), Interest Determination Dates, Interest Payment Dates, Regular Record Dates and Interest Reset Dates with respect to this Note. Except as provided below, the Interest Payment Dates for the payment of interest and, if this Note is an Amortizing Note, principal on this Note will be payable (i) if this Note resets daily, weekly or monthly, on the third Wednesday of each month or on the third Wednesday of March, June, September and December of each year, as specified on the face hereof; (ii) if this Note resets quarterly, on the third Wednesday of March, June, September and December of each year, as specified on the face hereof; (iii) if this Note resets semi-annually, on the third Wednesday of the each of two months of each year specified on the face hereof; and (iv) if this Note resets annually, on the third Wednesday of the one month of each year specified on the face hereof and(each such day being an "Interest Payment Date"), and in each case, case at Maturity. If any Interest Payment Date, other than Maturity, for this Note would otherwise be a day that is not a Business Day for this NoteDay, such Interest Payment Date will shall be postponed to the next day that is a Business Day for this NoteDay, except that if the Interest Rate Basis specified on the face hereof this Note is LIBORa LIBOR Note, if such Business Day is in the next succeeding calendar month, such Interest Payment Date will shall be the immediately preceding London Business Day. If the Maturity for this Note falls on a day that is not a Business Day, payment of principal, premium, if any, and interest to be made on such day with respect to this Note will be made on the next day that is a succeeding Business Day with the same force and effect as if made on the due date, and no additional interest will shall be payable on the date of payment for the period from and after the due date as a result of such delayed payment. The rate of interest on this Note will be reset daily, weekly, monthly, quarterly, semiannually semi-annually or annually (such period being the "Reset Period" for this such Note, and the first day of each Reset Period being an "Interest Reset Date"), as specified on the face hereof. Unless otherwise specified on the face hereof, the The Interest Reset Date Dates will be, if this Note resets daily, each Business Day for this NoteDay; if this Note resets weekly (unless the Interest Rate Basis specified on the face hereof is the Treasury Rate), the Wednesday of each week; if this Note resets weekly and the Interest Rate Basis specified on the face hereof is the Treasury Rate, the Tuesday of each week (week, except as specified below)provided in the next succeeding paragraph; if this Note resets monthly (unless the Interest Rate Basis specified on the face hereof is the 11th District Cost of Funds Rate), the third Wednesday of each month; if this Note resets monthly and the Interest Rate Basis specified on the face hereof is the 11th District Cost of Funds Rate, the first calendar day of the month; if this Note resets quarterly, the third Wednesday of each March, June, September and December; if this Note resets semi-annually, the third Wednesday of the two months of each year specified on the face hereof; and if this Note resets annually, the third Wednesday of the one month of each year specified on the face hereof; provided, however, that the interest rate in effect from the Original Issue Date to but excluding the first Interest Reset Date will be the Initial Interest Rate specified on the face hereof. If the Interest Reset Date would otherwise be a day that is not a Business Day for this NoteDay, the Interest Reset Date will shall be postponed to the next day that is a Business Day for this NoteDay, except that if the Interest Rate Basis specified on the face hereof is LIBOR, if such Business Day is in the next succeeding calendar month, such Interest Reset Date will shall be the immediately preceding London Business Day. Each adjusted The interest rate in effect on each day will be applicable on and after (a) if such day is an Interest Reset Date, the interest rate with respect to the Interest Determination Date pertaining to such Interest Reset Date, or (b) if such day is not an Interest Reset Date, the interest rate with respect to the Interest Determination Date pertaining to which it relates the next preceding Interest Reset Date, subject in either case to any maximum or minimum interest rate limitation referred to on the face hereof and to any adjustment by a Spread or a Spread Multiplier referred to on the face hereof; provided, however, that the interest rate in effect for the period from and including the Original Issue Date to but excluding the next succeeding first Interest Reset Date or until Maturityshall be the Initial Interest Rate specified on the face hereof. The interest rate for each Reset Period will be the rate determined by the Calculation Agent on the Calculation Date (as defined below) pertaining to the Interest Determination Date pertaining to the Interest Reset Date for such Reset Period. Unless otherwise specified on the face hereof, the "Interest Determination Date" pertaining to an Interest Reset Date for (a) if the Interest Rate Basis specified on the face hereof is a Commercial Paper Rate Note (the "Commercial Paper Interest Determination Date"), (b) if the Interest Rate Basis specified on the face hereof is CD Rate (the "CD Interest Determination Date"), (c) if the Interest Rate Basis specified on the face hereof is CMT Rate (the "CMT Interest Determination Date"), (d) if the Interest Rate Basis specified on the face hereof is a Federal Funds Rate Note (the "Federal Funds Interest Determination Date"), or (ec) if a CD Rate Note (the "CD Interest Rate Basis specified on the face hereof is Determination Date'), (d) a Prime Rate Note (the "Prime Interest Determination Date"), (e) a CMT Rate Note (the "CMT Interest Determination Date"), or (f) a Xxxxx Rate Note (the "Xxxxx Rate Interest Determination Date") will be the second Business Day prior to such Interest Reset Date as specified on the face hereofDate. Unless otherwise specified on the face hereof, the Interest Determination Date pertaining to an Interest Reset Date, if the Interest Rate Basis specified on the face hereof is Date for an 11th District Cost of Funds Rate Note (the "11th District Interest Determination Date"), ) will be the last Business Day of the month immediately preceding such Interest Reset Date on which the Federal Home Loan Bank of San Francisco (the "FHLB of San Francisco") publishes the Index (as defined below under "Determination of 11th District Cost of Funds Rate"below). Unless otherwise specified on the face hereof, the Interest Determination Date pertaining to an Interest Reset Date, if the Interest Rate Basis specified on the face hereof is Date for a LIBOR Note (the "LIBOR Interest Determination Date"), ) will be the second London Business Day immediately preceding such Interest Reset Date. Unless otherwise specified on the face hereof, the Interest Determination Date pertaining to an Interest Reset Date, if the Interest Rate Basis specified on the face hereof is Date for a Treasury Rate Note (the "Treasury Interest Determination Date"), ) will be the day of the week in which such Interest Reset Date falls on which Treasury bills would normally be auctioned. Treasury bills are usually sold at auction on Monday of each week, unless that day is a legal holiday, in which case the auction is usually held on the following Tuesday, except that such auction may be held on the preceding Friday. If If, as a result of a legal holiday, an auction is so held on the preceding Friday, such Friday will be the Treasury Interest Determination Date pertaining to the Reset Period commencing in the next succeeding week. If an auction date shall fall on any Interest Reset Date for a Treasury Rate Note, then such Interest Reset Date shall instead be the first Business Day immediately following such auction date. Unless otherwise specified on the face hereof, the "Calculation Date" pertaining to any Interest Determination Date will shall be the earlier of (i) the tenth calendar day after the Interest Determination Date or, if such day is not a Business Day, the next day that is a succeeding Business Day, or (ii) the Business Day preceding the applicable Interest Payment Date or Maturity, as the case may be.