NOTE AND GUARANTEE

FOR VALUE RECEIVED, the borrower, ____________________________ residing at ______________________________________________, shall pay to the order of ____________________ (lender), at ______________________ (address) the total amount of _______________________ ($_____), including principal and interest at ___________ percent (____%) per year, in consecutive payments, payable on the _________ day of the month beginning on ___________ until the loan is paid in full.  The borrower may prepay this loan without any early payment penalty.

Failure to make a payment when due shall be a default on the loan.  Should a default exist for more than ______________ (_____) days, the total amount outstanding will be currently due, and the borrower agrees to pay the holder of this note reasonable costs of collection including attorney fees.

Date:  ____________________                             Borrower:  ____________________

GUARANTY

FOR VALUABLE CONSIDERATION RECEIVED, the guarantor, ______________, guarantees full payment of the above amount, and shall remain liable until the note is fully satisfied and paid in full.

Date:  ____________________

Guarantor:  _______________        Address:  _______________________________