made by that financial institution to borrowers which are considered by that financial institution to have adverse credit risks, it being recorded that such voluntary provisions may reduce the capital adequacy ration of that financial institution; "market risk" means the risk of a reduction in the market value of an asset (which risk is common to all assets of the same class or type as that asset) as a result of movements in financial market variables such as interest rates, foreign exchange rates, equity prices and commodity prices; "medium term note means a bond with a medium-term maturity ranging between 3 and 5 years; "mezzanine debt" means, in relation to a borrower, the debt of that borrower which is subordinated to the senior debt of that borrower, but which is not subordinated to the junior debt of that borrower, and which accordingly ranks higher than such junior debt, but lower than such senior debt, in priority of payment; "DFI Network" means the collective of development finance institutions SADC as recognised in Article 2; "non-recourse" means, in relation to a borrower, that, if that borrower defaults in the repayment of a debt of that borrower, (i) the relevant lender(s) may not have recourse to any assets of that borrower when claiming, or instituting proceedings, for the repayment of that debt and, where applicable, interest thereon, and (ii) the relevant lender(s) may only have recourse to the assets of the project in respect of which that debt was incurred by that borrower when claiming, or instituting proceedings, for the repayment of that debt and, where applicable, interest thereon,; "operational risk" means, in relation to an entity or enterprise, as the case may be, the risk of direct or indirect loss to, or damage to the reputation of, the entity or enterprise, as the case may be, which is due to deficiencies or errors in the internal operations of the entity or national of the enterprise, as the case may be organization, 84