This decision holds that usury savings clauses are unenforceable as against public policy except when the loan agreement would otherwise violate usury restrictions only due to some unanticipated post-agreement event. A usury savings clause is a provision stating that if the loan agreement would otherwise require payment of usurious interest, it is to be construed to charge only the maximum legal rate of interest. Some other states have adopted a categorical rule barring enforcement of usury savings clauses in all circumstances. NV One, LLC v Potomac Realty Capital, LLC, 84 A.3d 800 (RI, 2014); Swindell v Fed Nat’l Mtg Ass’n, 330 N.C. 153, 160; 409 S.E.2d 892 (1991). Another group of states permit enforcement of usurysavings clauses in particular situations. Jersey Palm-Gross, Inc v Paper, 658 So.2d 531, 534 (Fla, 1995).; First State Bank v Dorst, 843 S.W.2d 790 (Tex App, 1992).