article i definitions section 1. 01. defined terms section 1. 02. classification of loans and borrowings section 1. 03. terms generally section 1. 04. accounting terms ; gaap article ii the credits section 2. 01. commitments section 2. 02. loans and borrowings section 2. 03. requests for borrowings section 2. 04. letters of credit ( a ) general ( b ) notice of issuance, amendment, renewal, extension ; certain conditions ( c ) expiration date ( d ) participations ( e ) reimbursement ( f ) obligations absolute ( g ) disbursement procedures ( h ) interim interest section 2. 05. funding of borrowings section 2. 06. interest elections section 2. 07. termination and reduction of commitments section 2. 08. repayment of loans ; evidence of debt section 2. 09. prepayment of loans section 2. 10. fees section 2. 11. interest section 2. 12. alternate rate of interest section 2. 13. increased costs section 2. 14. break funding payments section 2. 15. taxes section 2. 16. payments generally ; pro rata treatment ; sharing of set - offs section 2. 17. mitigation obligations ; replacement of lenders article iii representations and warranties section 3. 01. existence and power section 3. 02. corporate and governmental authorization ; no contravention section 3. 03. binding effect section 3. 04. financial information section 3. 05. litigation section 3. 06. compliance with erisa section 3. 07. taxes section 3. 08. environmental compliance section 3. 09. properties section 3. 10. compliance with laws and agreements section 3. 11. investment and holding company status section 3. 12. full disclosure section 3. 13. security interest section 3. 14. solvency section 3. 15. employee matters section 3. 16. use of proceeds section 3. 17. subsidiaries section 3. 18. no change in credit criteria or collection policies article iv conditions section 4. 01. effective date section 4. 02. each credit event article v affirmative covenants section 5. 01. information section 5. 02. maintenance of property ; insurance section 5. 03. compliance with laws section 5. 04. inspection of property, books and records section 5. 05. use of proceeds section 5. 06. environmental matters section 5. 07. taxes section 5. 08. security interests section 5. 09. existence ;