PROMISSORY NOTE - GUARANTY

In consideration of value received, the undersigned (hereinafter "Borrowers") do hereby jointly and severally promise to pay to _____________________________ (hereinafter "Lender") the amount of _________________________, such amount accruing interest at the rate of ________ per _________.  This amount is to be paid at: ____________
__________________________________________________________________ under these terms: ____________________________________________________.

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, with accrued interest charges, at any time.  Borrower agrees to pay all reasonable expenses, including court costs and attorney fees, as may be incurred during collection proceedings in the event of default on this Note.  Each maker, surety, guarantor or endorser of this note waives presentation of payment, notice of non-payment, protest and notice of protest and agrees to all extensions, renewals, or release, discharge or exchange of any other party or collateral without notice.

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Borrowers				            Date

_____________________________      	_______________________________
Witness					Date