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.
Acts 1997, 75th Leg., ch. 1008, Sec. 1, eff. Sept. 1, 1997.