The "General Nervous Clause" in a Loan Commitment Contract

The "general nervous clause" in a loan commitment contract

A) allows the bank to change the loan contract rate to reflect changes in the interest rate environment in order to break even.
B) allows the bank to change from a fixed rate to a variable rate contract and vice versa.
C) allows the bank not to honor the commitment when the customer's financial condition has materially deteriorated between the time the contract was sold and the time the customer can exercise it.
D) all of the above
E) a and c only