This may only be issued on Loan Policies for commercial or residential properties and land that is improved or unimproved. It provides the lender with coverage against loss due to invalidity or unenforceability  the lien of the Insured Mortgage resulting from changes in the rate of interest pursuant to the formula provided in either the loan documents secured by the Insured Mortgage or the Insured Mortgage itself. It also provides coverage against loss or damage due to loss of priority of the lien of the Insured Mortgage for the unpaid principal balance and interest charged thereon which might be cause by the provisions in the Insured Mortgage that allow for a variable interest rate. This endorsement does not provide coverage for loss or damage due to usury, consumer credit or truth in lending laws.