FOR VALUE RECEIVED, the undersigned jointly and severally
promise to pay to the order of _, the sum of _ ($_) Dollars in
(_) consecutive, monthly payments of $_ each, beginning one
month from date hereof and thereafter on the same date of each
subsequent month until paid in full. Any unpaid balance may
be paid at any time without penalty and any unearned finance
charges will be refunded based on the Rule of 78’s. In the
event the undersigned defaults in any payment beyond _ days
from the due date, the entire balance may be due at the option
of the holder.

1. Proceeds $_

2. Other charges (itemize) $_

3. Amount financed (1+2) $_

4. Total of payments $_

5. Annual Percentage Rate _%

___________________________________

FOR VALUE RECEIVED, WE, THE UNDERSIGNED, jointly and
severally promise to pay, in lawful money of the United
States of America, to the order of (name of lender) at
(address of lender), (amount) ( ) Dollars
in installments as follows:

(amount of payment) on (date), and (number)
successive payments of (amount) beginning on
(date of payment) together with a delinquency charge
on each installment in default for days in an
amount equal to percent of such installment
but not less than $ .

In the event of default in the payment of any of the
said installments or said interest when due as herein
provided, time being of the essence hereof, the holder of
this note may, without notice or demand, declare the entire
principal sum then unpaid immediately due and payable.
The holder of this note may, with or without notice
to any of us, cause additional parties to be added hereto,
or release any party hereto, or revise, extend, or renew
the note, or extend the time for making any installment
provided for herein, or accept any installment in advance,
all without affecting the liability of us, or any of us,
hereon.

If suit be commenced on said note, the parties hereto
jointly and severally agree to pay to the holder of said
note a reasonable attorney fee.

The borrower agrees to pay a reasonable collection
charge should collection be referred to a collection
agency or to the payee`s collection facilities.

The parties hereto, jointly and severally, hereby waive
presentment, demand, protest, notice of dishonor and/or
protest and notice of nonpayment; the right, if any, to the
benefit of, or to direct the application of, any security
hypothecated to the holder until all indebtedness of the
borrower to the holder shall have been paid; the right to
require the holder to proceed against the borrower, or to
pursue any other remedy in the holder’s power; and agree
that the holder may proceed against us directly and
independently of the borrower, and that the cessation of
Continuation of 5037
liability of the borrower for any reason, other than
full payment, or any revision, renewal, extension,
forebearance, change of rate of interest, or acceptance,
release or substitution of security, or any impairment or
suspension of the holder’s remedies or rights against the
borrower, shall not in anywise affect the liability of any
of the parties hereto.

The parties hereto hereby authorize (payee) to
date this note as of the day when the loan evidenced hereby
is made and to complete this note in any other particular
according to the terms of the said loan.

It is agreed that if the parties hereto, or any of
them at any time fail in business or become insolvent, or
commit an act of bankruptcy, or if any deposit account or
other property of the parties hereto, or any of them, be
attempted to be obtained or held by writ of execution,
garnishment, attachment, or other legal process, or if any
assessment for taxes against the parties hereto, or any of
them, other than taxes on real property, is made by the
federal or state governemt, or any department thereof, or
if the parties hereto fail to notify you of any material
change in their financial condition, then, and in such case
all of the obligations of the parties hereto to you, or
held by you, shall at your option immediately become due
and payable without demand or notice.

Signatures Address
_______________________ _______________________________
Borrower
_______________________ _______________________________
Co-Maker

a. Presentment, demand, protest, notice of dishonor
and the notice of nonpayment;

b. The right, if any, to the benefit, or to direct
the application of, any security hypothecated to the holder,
until all indebtedness of the maker to the holder, howsoever
arising shall have been paid;

c. The right to require the holder to proceed against
the maker, or to pursue any other remedy in the holder’s
power;

And agrees that the holder may proceed against any of the
undersigned, directly and independently of the maker and
that the cessation of the liability of the maker for any
reason other than full payment, or any extension,
forebearance, change of rate of interest, acceptance,
release, substitution of security, or any impairment or
suspension of the holder’s remedies or rights against the
maker, shall not in anywise affect the liability of any of
the undersigned hereunder. All obligations of the makers
if more than one, shall be joint and several.

_________________________________________

_________________________________________

FOR VALUE RECEIVED, the undersigned hereby jointly and
severally promise to pay to the order of _, the sum of _ ($_)
Dollars, together with interest thereon at the rate of _% per
annum on the unpaid balance. Said sum shall be paid in the
manner following: (Describe terms)

_

All payments shall be first applied to interest and the
balance to principal.

This note may be prepaid, at any time, in whole or part,
without penalty.

This note shall at the option of any holder hereof be
immediately due and payable upon the occurrence of any of the
following:

1. Failure to make any payment due hereunder within _ days
of its due date.

2. Breach of any condition of any security interest,
mortgage, pledge agreement or guaranty granted as
collateral security for this note.

3. Breach of any condition of any security agreement or
mortgage, if any, having a priority over any security
agreement or mortgage on collateral granted, in whole
or in part, as collateral security for this note.

4. Upon the death, dissolution or liquidation of any of
the undersigned, or any endorser, guarantor or surety
hereto.

5. Upon the filing by any of the undersigned of an
assignment for the benefit of creditors, bankruptcy,
or for relief under any provisions of the Bankruptcy
Code; or by suffering an involuntary petition in
bankruptcy or receivership not vacated within thirty
days.

In the event this note shall be in default, and placed
with an attorney for collection, then the undersigned agree to
pay all reasonable attorney fees and costs of collection.
Payments not made within five days of due date shall be
subject to a late charge of _% of said payment. All payments
hereunder shall be made to such address as may from time to
time be designated by any holder hereof.
The undersigned and all other parties to this note,
whether as endorsers, guarantors or sureties, agree to remain
fully bound hereunder until this note shall be fully paid and
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. No modification or indulgence by any holder hereof shall
be binding unless in writing; and any indulgence on any one
occasion. Any modification or change of terms, hereunder
granted by any holder hereof, shall be valid and b inding upon
each of the undersigned, notwithstanding the acknowledgement
of any of the undersigned, and each of the undersigned does
hereby irrevocably grant to each others a power of attorney to
enter into any such modification on their behalf. The rights
of any holder hereof shall be cumulative and not necessarily
successive. This note shall take effect as a sealed instrument
and shall be construed, governed and enforced in accordance
with the laws of _.

FOR VALUE RECEIVED, the undersigned jointly and severally
promise to pay to the order of _, the sum of _ ($_) Dollars,
together with interest thereon at the rate of _% per annum on
any unpaid balance.

Said sum, inclusive of interest, shall be paid in _
(monthly/weekly) installments of $_ each, with a first payment
due _, 19_, and a like amount on the same day of each
(month/week) thereafter until the full amount of this note and
accrued interest shall be fully paid. All payments shall be
first applied to accrued interest and the balance to
principal.

The undersigned reserves the right to pre-pay this
note in whole or in part without penalty.

This note shall be fully payable upon demand of any
holder in the event the undersigned shall default in making
any payments due under this note within _ days of its due date.
In the event of any default, the undersigned agreed to
pay all reasonable attorney fees and costs of collection to
the extent permitted by law. This note shall take effect as a
sealed instrument and be enforced in accordance with the laws
of the payee’s state.

_

The undersigned may prepay this note without penalty. In
the event any payment due hereunder is not paid when due, the
entire balance shall be immediately due upon demand of any
holder. Upon default, the undersigned shall pay all reasonable
attorney fees and costs necessary for the collection of this
note.

This note is executed to evidence a certain existing
indebtedness due the payee from the undersigned relative to a
certain open account balance as of this date, and this note
shall not be construed as a separate obligation.

Signed under seal this _ day of _, 19_.

_______________________________

Upon default in making payment within _ days of demand,
the undersigned agree to pay all reasonable legal fees and
costs of collection to the extent permitted by state law. This
note shall take effect as a sealed instrument and be enforced
in accordance with the laws of the payee’s state.

Dated: _

For VALUE RECEIVED, the undersigned (jointly and
severally,if more than one) promises to pay to _________
____________the principal sum of _______________________
____________DOLLARS, ($00,000.00) with interest from date
at the rate of ______ ( ) percent per annum on the
balance from time to time remaining unpaid. The said
principal and interest shall be payable in lawful money
of the United States of America at_________________
St. Petersburg, Florida or at such place as may hereafter
be designated by written notice from the holder to the
maker hereof, on the date and in the manner following:
UPON DEMAND AFTER——————–.
Maker’s Address _____________________________(SEAL)
_____________________________(SEAL)
____________________
_____________________________(SEAL)

__________after date (without grace) I promise to pay to
the order of ______________________________________________
Net_________________________________________________DOLLARS
for value received with interest of ___________ percent per
__________from __________________________ until paid both
principal and interest payable only in LAWFUL MONEY OF THE
UNITED STATES.

Payable at _____________________________________

No. ________ Due ____________ __________________________
(signature)