In order to comply with Articles L. 314-1 to L.314-5 and R.314-1 et seq. of the French Consumer Code and L. 313-4 of the French Monetary and Financial Code, the Lender informs the Borrower, which the Borrower recognizes and accepts, that the effective global rate (taux effectif global) applicable to the Second Credit may be evaluated at an annual rate of three point zero five per cent (3.05%) on the basis of a three hundred and sixty-five (365) day year, and an Interest Period of six (6) months at a period rate of one point fifty-one per cent (1.51%), subject to the following: