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under the terms of such agreement shall constitute a default under this paragraph. <br />Borrower also promises to pay reasonable attorney's fees and court and other costs if this <br />note is placed in the hands of an attorney to collect or enforce the note. Borrower will pay <br />Lender these expenses on demand at the Place for Payment. These expenses will become part of <br />the debt evidenced by the note. <br />Borrower may prepay at any time before the Maturity date without penalty or premium. <br />Interest or late payment penalties on the debt evidenced by this note will not exceed the <br />maximum rate or amount of nonusurious interest that may be contracted for, taken, reserved, <br />charged, or received under law. Any interest in excess of that maximum amount will be credited <br />on the Principal Amount or, if the Principal Amount has been paid, refunded. On any <br />acceleration or required or permitted prepayment, any excess interest or late payment charges <br />will be canceled automatically as of the acceleration or prepayment or, if the excess interest has <br />already been paid, credited on the Principal Amount or, if the Principal Amount has been paid, <br />refunded. This provision overrides any conflicting provisions in this note and all other <br />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 />EL MILAGRO OF T>F,,S, INC. <br />Name: A rJ Aki <br />Title: <br />