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Loan #: 1211104 200110985 <br />Exhibit <br />NOTICE OF NO ORAL AGREEMENTS <br />THIS WRITTEN LOAN AGREEMENT REPRESENTS THE FINAL AGREEMENT BETWEEN THE <br />PARTIES AND MAY NOT BE CONTRIADICTED BY EVIDENCE OF PRIOR, <br />CONTEMPORANEOUS, OR SUBSEQUESNT ORAL AGREEMENTS OF THE PARTIES. <br />THERE ARE NO UNWRITTEN ORAL AGREEMNTS BETWEEN THE PARTIES. <br />Receipt of Notice: The undersigned hereby represents and warrants that I /we have each received and read a copy <br />of the Notice on or before the execution of the "Loan Agreement'. "Loan Agreement" means one or more <br />promises, promissory notes, agreements, undertakings, security agreements, deeds of trust or other documents, or <br />commitments, or any combination of those actions or documents, pursuant to which a financial institution loans or <br />delays repayment of or agrees to loan or delay repayment of money, goods, or any other thing of value or to <br />otherwise extend credit or make a financial accommodations. <br />(Seal) (Seal) <br />Kenton L. Schuyler Borrower Tracy D. Sc yler - Borrower <br />(Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />NOTICE OF NO ORAL AGREEMENTS (MULTISTATE) Page 1 of I <br />