Texas Code § 94.102

APPLICATION OF PREPAYMENTS TO LOAN INSTALLMENTS
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Sec. 94.102. APPLICATION OF PREPAYMENTS TO LOAN INSTALLMENTS. Unless otherwise agreed in writing, a savings bank shall apply:
(1) a prepayment of principal to the final installment of the obligation until the final installment is fully paid; and
(2) additional prepayments to installments in the inverse order of their maturity.

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