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$                                                                                                   County,                       

Date:                         , 20              

FOR VALUE RECEIVED, the undersigned, promises to pay to the order of                        whose address is          ____________________               ,                  _______      ,               _____                              (or at such other place as the holder hereof may designate), the sum of                                                        ($                        ), together with interest of               percent per annum, payable in monthly installments of                          per month, with the first payment being due on the       day of          ____           , 20   ____   and a like payment on the same day of each month thereafter untill fully paid.

THERE will be no pre-payment penalty on this Note.

IF DEFAULT is made in payment after demand, and such default shall continue for a period of 10 days, then the holder hereof may, at its option, declare the whole sum then remaining unpaid immediately due and payable.   In case of any such default, the undersigned agrees to pay all costs of collection, including a reasonable attorney’s fee, whether or not suit is instituted.

PRESENTMENT for payment, demand, notice of dishonor, protest, notice of protest and any homestead or personal property exemption allowed by the constitutions or laws of any state are hereby waived by the undersigned.  Failure by the holder hereof to exercise any option granted it hereunder shall not constitute a waiver of future rights.  The term “undersigned” as used herein shall include all makers, co-makers, endorsers, sureties and guarantors hereof.  



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