FOR GOOD AND VALUABLE CONSIDERATION RECEIVED, We, the undersigned ___________________, and _______________________ (hereinafter "Borrowers") do hereby jointly and severally promise to pay to ______________

__________________ (hereinafter "Lender") the amount of __________, with interest on such amount accruing at the rate of ________ percent (____%) per _________. Payment will first be applied to interest, and then to principal, accordingly.

Payments shall be made in the following fashion:

Payments are due on the ________ of each __________, to be paid at _____________, in person or by U.S. Mail. Any payment not made within _____________ of being due shall be considered in default and Lender may, at such time, demand payment in full of the entire balance due, including interest.

Borrowers reserve the right to pay the entire balance due on this Note at any time, without penalty charges.

CONFESSION OF JUDGMENT - Borrowers do hereby irrevocably authorize any attorney of any court of record to appear for Borrowers at any time to waive the issuance and service of process and to confess judgment against Borrowers, and in favor of Lender or any subsequent holder hereof, for such amount as is unpaid with accrued interest, together with costs and attorney fees. In addition Borrowers ratify and confirm all that said attorney may do by virtue hereof, and waive and release all errors that may intervene in such proceedings. Venue shall lie in the following jurisdiction:

____________________________________________________________________.

COLLATERAL - As collateral security for the payment of this Note, Borrowers agree to:

______________________________________________________________________

______________________________________________________________________

______________________________ _____________________________

Borrower Date

______________________________ _____________________________

Borrower Date

______________________________ _____________________________

Witness Date