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PROMISSORY NOTE (For Open Account Debt)


              FOR VALUE RECEIVED, the undersigned 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 principal and interest shall be payable as follows: (Describe
              Terms)
 

              The undersigned may prepay this Note in whole or in part without
              penalty.  In the event any payment due hereunder is not paid when
              due, the entire balance shall be immediately due and payable upon
              demand of the 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 an existing indebtedness due the
              payee from the undersigned on an open account balance as of this
              date, and this Note shall not be construed as a separate obligation.
 

              Signed under seal this _____day of _________, 20___.

              ____________________________