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,' f <br /> 3� 1 � � � 22 <br /> the 24th day of each and every calendar month during <br /> the term hereof through and including June 24, 2019 the <br /> ( "Maturity Date" ) . The amounts of such installments <br /> shall be determined as follows : <br /> 1.2 . 1 . 1 Maker shall pay to Payee 12 consecutive <br /> monthly installments of Four Thousand Two Hundred <br /> Seventy Six and 47/100 Dollars ($4, 276 . 47 ) each, <br /> beginning upon the 24th day of the first calendar <br /> month following the date of this Agreement and <br /> subsequently on the 24th day of each and every <br /> calendar month of the next succeeding 11 calendar <br /> months thereafter. <br /> 1.2 . 1. 2 The amount of each monthly installment <br /> due and payable upon each of the twelve <br /> installment due dates following each Change Date <br /> shall be the amount (determined by Payee) which <br /> shall be sufficient to repay in full by the <br /> Maturity Date the principal balance owing on such <br /> Change Date, together with interest thereon over <br /> the remaining term of the loan at the Variable <br /> Interest Rate established for such Change Date, in <br /> equal monthly installments. If the Monthly Due <br /> Date is later in a month than the 28th day of the <br /> month, then the Monthly Due Date for February <br /> shall be the 28th day of February. Further, if <br /> the Monthly Due Date is the 31st day of a month, <br /> then the Monthly Due Date shall fall on the 30th <br /> day in those months having only 30 days . <br /> 1.2 . 1 . 3 Final Installment. Maker shall pay to <br /> Payee, on the Maturity Date, all amounts then <br /> owing and unpaid under the Promissory Note and <br /> this Agreement, including (i) the full unpaid <br /> balance of the principal sum, (ii) all accrued and <br /> unpaid interest, and (iii) any penalties payable <br /> under the terms of the Promissory Note and this <br /> Agreement. <br /> 2 . Application of Pavments . All payments on account of the <br /> indebtedness evidenced by this Promissory Note shall be first <br /> applied to the payment of late charges, if any, due and payable, <br /> then to accrued but unpaid interest, and the excess remaining <br /> thereafter shall be credited to principal. <br /> 3 . Place of Pavment. All payments hereunder shall be made to <br /> Payee at P.O. Box 229009, St. Louis, Missouri 63122-9009, or at <br /> such other place as the Payee may from time to time designate in <br /> writing, delivered or mailed to the Maker. <br /> 4 . Prepavment. Maker reserves the right to prepay all amounts <br /> due hereunder in whole, or subject to the conditions hereinafter <br /> stated, in part, on any installment payment date without premium <br /> or penalty and without prior notice to the Payee. Any such <br /> prepayment shall be first applied against accrued but unpaid <br /> interest, and the excess, if any, shall be applied against <br />