Borrower shall pay to Lender the entire outstanding balance of this Note on or before the date that is twenty-four (24) months from the Original Issue Date (the “ Maturity Date ”). Borrower will make all payments of sums due hereunder to Lender at Lender’s address set forth in the January Purchase Agreement, or at such other place as Lender may designate in writing. Unless otherwise agreed or required by applicable law, payments will be applied first to any unpaid collection costs and late charges, then to accrued interest and finally to principal.