BIRD, Judge.
On January 22, 1988, Thelma Laster Stewart and Thearders Hall entered into a written contract by which Hall agreed to loan Stewart $2,000 in cash, pay off a $4,100 balance owed by Stewart to Farmers Credit Service, and pay future taxes on Stewart's fifty-seven acres in Lonoke County. The loan was to be repaid, plus interest "at a maximum rate allowed by law" and certain other specified expenses, on or before January 1, 1995. The contract provided:
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