It says the greater of - so if it is $1 Billion then it is $250 million. When it say OR that doesn't mean both can be true.
"She says "Greater of 25% or 5x amount lent"... but she also said "up to 5x". Hard to know which is accurate, but both can NOT be accurate if the settlement is over $100m ( after which 25% would exceed 5x whatever was lent). I think we all believe the total will be well over $100m"