SAMPLE OF AN INSTALMENT NOTE

                                                     Date:                        , 20         .

FOR VALUE RECEIVED, we, (Comaker)                                         , of                                              , and (Comaker)                                         , of                                            , herein referred to as the undersigned, promise to pay to the order of (payee),  herein referred to as holder, at (Address)                                   , (city)            , (state)        , the sum of                             Dollars ($            ), with interest on any unpaid balance from the date at the rate of                      per cent (       %) per annum and payable in equal successive monthly payments of                             Dollars ($           )  commencing on                   , 20     , and continuing on the same day of each and every month thereafter until paid, except the final instalment which shall be the balance due on this note.

1.   Overdue Instalments.  If any instalment is not paid when due, the undersigned shall pay all appropriate collection charges.  In addition, the entire amount owing and full unpaid balance will at the election of noteholder become due and payable.

2.   Attorneys' Fees.  The undersigned shall pay all reasonable attorneys' fees incurred by holder in enforcing any remedy hereunder.

3.   Joint and Several Liability.  All obligations of the undersigned hereunder shall be joint and several.

__________                   _________________________________

      Date                                          Signature Of Co-Maker

__________                    _________________________________

      Date                                          Signature Of Co-Maker

__________                   _________________________________

      Date                                             Signature Of Holder