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ATTORNEYS' FEES, EXPENSES. Lender may hire an attorney to help collect this Note if Borrower
<br />does not pay, and Borrower will pay Lender's reasonable attorneys' fees. Borrower also will pay Lender
<br />all other amounts Lender actually incurs as court costs, lawful fees for filing, recording, or releasing to any
<br />public office any instrument securing this Note; and the reasonable cost actually expended for repossessing,
<br />storing, preparing for sale, and selling any security.
<br />GOVERNING LAW. This Note will be governed by, construed and enforced in accordance with
<br />Federal Law and the laws of the State of Texas. This Note has been accepted by Lender in the State
<br />of Texas.
<br />CHOICE OF VENUE. Should litigation become necessary between the parties, and if the transactions
<br />evidenced by this Note occurred in Lamar County, Borrower agrees upon Lender's request to submit to the
<br />jurisdiction of the Courts of Lamar County, State of Texas.
<br />SUCCESSOR INTERESTS. The terms of this Note shall be binding upon Borrower, and upon
<br />Borrower=s successors and assigns, and shall inure to the benefit of Lender, its successors and assigns.
<br />NOTIFY US OF INACCURATE INFORMATION WE REPORT TO CONSUMER REPORTING
<br />AGENCIES. Please notify us if we report any inaccurate information about your account(s) to a consumer
<br />reporting agency. Your written notice describing the specific inaccuracy(ies) should be sent to us at the
<br />following address:
<br />GENERAL PROVISIONS. If any part of this Note cannot be enforced, this fact will not affect the rest
<br />of the Note. Borrower does not agree or intend to pay, and Lender does not agree or intend to contract for,
<br />charge, collect, take, reserve or receive (collectively referred to herein as Acharge or collect@), any amount
<br />in the nature of interest or in the nature of a fee for this loan, which would in any way or event (including
<br />demand, prepayment, or acceleration) cause Lender to charge or collect more for this loan than the
<br />maximum Lender would be permitted to charge or collect by Federal law or the law of the State of Texas
<br />(as applicable). Any such excess interest or unauthorized fee shall, instead of anything stated to the
<br />contrary, be applied first to reduce the principal balance of this loan, and when the principal has been paid
<br />in full, be refunded to Borrower. The right to accelerate maturity of sums due under this Note does not
<br />include the right to accelerate any interest which has not otherwise accrued on the date of such acceleration,
<br />and Lender does not intend to charge or collect any unearned interest in the event of acceleration. Allsums
<br />paid or agreed to be paid to Lender for the use, forbearance or detention of sums due hereunder shall, to the
<br />extent permitted by applicable law, be amortized, prorated, allocated and spread throughout the full term
<br />of the loan evidenced by this Note until payment in fall so that the rate or amount of interest on account of
<br />the loan evidenced hereby does not exceed the applicable usury ceiling. Lender may delay or forgo
<br />enforcing any of its rights or remedies under this Note without losing them. Borrower and any other person
<br />who signs, guarantees or endorses this Note, to the extent allowed by law, waive presentment, demand for
<br />payment, notice of dishonor, notice of intent to accelerate the maturity of this Note, and notice of
<br />acceleration of the maturity of this Note. Upon any change in the terms of this Note, and unless otherwise
<br />expressly stated in writing, no party who signs this Note, whether as maker, guarantor, accommodation
<br />maker or endorser, shall be released from liability. All such parties agree that Lender may renew or extend
<br />(repeatedly and for any length of time) this loan, or release any party or guarantor or collateral; or impair,
<br />fail to realize upon or perfect Lender's security interest in the collateral without the consent of or notice to
<br />anyone. All such parties also agree that Lender may modify this loan only with the consent of and notice
<br />to Borrower. The obligations under this Note are joint and several.
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