The Loan Documents and each Advance is not entered into in contemplation of insolvency or with intent to hinder, delay or defraud any of the Borrowers’ creditors.  No Borrower is insolvent within the meaning of 11 U.S.C. Section 101(32) and the taking of an Advance pursuant hereto (i) will not cause a Borrower to become insolvent, (ii) will not result in any property remaining with a Borrower to be unreasonably small capital, and (iii) will not result in debts that would be beyond a Borrower’s ability to pay as same mature.  Each Borrower has received reasonably equivalent value in exchange for the transfer of the Pledged Assets.