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Borrower also promises to pay reasonable attorney's fees and court and other costs if this note is <br />placed in the hands of an attorney to collect or enforce the note. These expenses will bear interest <br />from the date of advance at the Annual Interest Rate on Matured, Unpaid Amounts. Borrower <br />will pay Lender these expenses and interest on demand at the Place for Payment. These expenses <br />and interest will become part of the note and will be secured by any security for payment. <br />Borrower may prepay this note in any amount at any time before the Maturity Date without <br />penalty or premium. <br />Interest on the debt evidenced by this note will not exceed the maximum rate or amount of <br />nonusurious interest that may be contracted for, taken, reserved, charged, or received under law. <br />Any interest in excess of that maximum amount will be credited on the Principal Amount or, if <br />the Principal Amount has been paid, refunded. On any acceleration or required or permitted <br />prepayment, any excess interest will. be canceled automatically as of the acceleration or <br />prepayment or, if the excess interest has already been paid, credited on the Principal Amount or, <br />if the Principal Amount has been paid, refunded. This provision overrides any conflicting <br />provisions in this note and all. other instruments concerning the debt. <br />Each Borrower is responsible for all obligations represented by this note. <br />When the context requires, singular nouns and pronouns include the plural, <br />THE MASTER'S SCHOOL OF SAN MARCOS, INC.: <br />By: <br />?` - <br />David McCall, President