In consideration of value received, the undersigned (hereinafter "Borrowers") do hereby jointly and severally promise to pay to ___________________________ (hereinafter "Lender"), the amount of $___________________, upon which interest will accrue at ___________ percent per ________________. Borrowers agree to pay in conformity with these terms: _______________________________________________________

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Such payments shall be first applied to interest and then to the principal. This Note may be paid in full at any time without penalty charges. Lender reserves the right to demand payment in full or in part, together with interest accrued, at any time and for any reason as Lender deems a breach of this contract.

In the event this Note shall be in default, and collection proceedings are instituted, then the Borrowers agree to pay all reasonable attorney fees and costs of collection. Payments not made within ______ days of due date shall be subject to a late charge of $__________________.

The undersigned and all other parties to this Note, whether as endorsers, guarantors or sureties waive demand, presentment and protest and all notices thereto and further agree to remain bound, notwithstanding any extension, modification, waiver, or other indulgence by any holder or upon the discharge or release of any obligor hereunder or to this Note, or upon the exchange, substitution, or release of any collateral granted as security for this Note.

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Borrower Date

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Witness Date