Increased Costs

Increased Costs. Means the increased portion (the amount reasonably calculated by such Lender) of lending expenses, in cases where the Lender's lending expenses under this Agreement are substantially increased (excluding any increase caused by a change in tax rates on taxable incomes of such Lender) due to, among other things, (i) any enactment or amendment of Laws and Ordinances, or any change in the interpretation or application thereof, or (ii) establishment or increase in capital reserves.