EXHIBIT 4.7

THE SECURITIES  REPRESENTED HEREBY HAVE NOT BEEN REGISTERED UNDER THE SECURITIES
ACT OF  1933,  AS  AMENDED,  AND  MAY  NOT BE  SOLD,  TRANSFERRED,  ASSIGNED  OR
HYPOTHECATED UNLESS THERE IS AN EFFECTIVE  REGISTRATION STATEMENT UNDER SUCH ACT
COVERING SUCH SECURITIES, THE SALE IS MADE IN ACCORDANCE WITH RULE 144 UNDER THE
ACT,  OR THE  COMPANY  RECEIVES  AN OPINION  OF COUNSEL  FOR THE HOLDER OF THESE
SECURITIES  REASONABLY  SATISFACTORY  TO THE  COMPANY  STATING  THAT SUCH  SALE,
TRANSFER,  ASSIGNMENT  OR  HYPOTHECATION  IS EXEMPT  FROM THE  REGISTRATION  AND
PROSPECTUS DELIVERY REQUIREMENTS OF SUCH ACT.

                                 PROMISSORY NOTE

$150,000                                                      September 30, 2002


         Quicktest 5, Inc., a Delaware  corporation (the  "Company"),  for value
received,  hereby  promises to pay to NMDS  Investments,  L.P., a Nevada Limited
Partnership ("Holder"),  the principal sum of One-Hundred Fifty Thousand Dollars
($150,000).

         1. Payment.

               1.1 Payment. The outstanding  principal shall be due and payable,
unless earlier  converted by Holder,  at the earlier of (i) four (4) months from
the effective date of the  information  statement  filed with the Securities and
Exchange  Commission  on Schedule 14C of  MoneyZone.com,  Inc.;  but in no event
later than March 1, 2002 or (ii) a financing  in which the Company  receives net
proceeds of $1 million (the "Maturity Date").  Payments  hereunder shall be made
by the Company to the  Holder,  at the address as provided to the Company by the
Holder in writing,  in lawful money of the United  States of America.  This Note
shall bear no interest.

               1.2  Prepayment.  The Company shall have the right to prepay,  in
whole  or in part,  the  principal  outstanding  hereunder  at any time  without
penalty; provided,  however, Holder shall be given ten (10) days' written notice
of the Company's intention to pepay this Note.

               1.3  Acceleration.  The principal  outstanding  hereunder and all
accrued and unpaid interest shall be immediately due and payable in full without
notice,  demand,  presentment,  protest or other  formalities of any kind in the
event that (a) a decree or order by a court having  jurisdiction  adjudging  the
Company bankrupt or insolvent, or approving a petition seeking reorganization of
the Company is entered, and such decree or order is unstayed and in effect for a
period of thirty (30) days, or (b) a voluntary  case under  relevant  bankruptcy
law is commenced, or the Company consents to the commencement of a bankruptcy or
insolvency   proceeding  against  it  or  to  the  appointment  of  a  receiver,
liquidator, assignee, trustee or similar official.













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         2. Conversion.

               2.1 Conversion.  This Note shall be  convertible,  in whole or in
part,  into shares of Common  Stock of the  Company at the sole  election of the
Holder at any time, and without the payment of any additional  consideration  by
the Holder.

               2.2 Conversion  Price. The number of shares of Stock to be issued
upon such  conversion  shall equal the aggregate  amount of principal  under the
Note then outstanding  divided by the Conversion Price, which shall initially be
set at $1.00 per share;  provided,  however,  that the Conversion Price shall be
adjusted to $.10 if this note is not paid in full within 60 days of the Maturity
Date.

               2.3 Delivery of Note and Share  Certificates.  Upon conversion of
this Note,  Holder  shall  deliver the executed  original to the Company  within
twenty  (20)  business  days of such  conversion.  On, or as soon as  reasonably
practicable  after,  such conversion and execution,  the Company shall issue and
deliver  to the  Holder a  certificate  or  certificates  for the number of full
shares of Stock to which the Holder is entitled and a check or cash with respect
to any fractional  interest in a share of Stock. The Company  covenants that all
shares of Stock issued upon conversion  will,  upon issuance,  be fully paid and
non-assessable  and free from all taxes,  liens and charges caused or created by
the Company with respect to the issue thereof.

               2.4 Dividends;  Adjustment of Conversion  Price. In the event the
Company  at any  time  or from  time  to time  shall  declare  any  dividend  or
distribution upon the Common Stock,  whether in cash,  property,  stock or other
securities,  whether or not a regular  cash  dividend  and whether or not out of
earnings  or earned  surplus,  the  Company  shall make an  equivalent  dividend
payment  or  distribution,  on a  pro-rata  basis,  to the  holder of this Note,
assuming  the  conversion  thereof.  In the event of any stock  dividend,  stock
split, recapitalization or other such event ("Recapitalization"), the Conversion
Price shall be adjusted to take into effect such Recapitalization.

               2.4 Stock  Issuance.  Simultaneously  with the  execution of this
Agreement, the Company will issue to the Holder 75,000 shares of Common Stock.

         3. Amendment Provisions.  This Note may not be amended or modified, nor
may any of its terms be  waived,  except by a written  instrument  signed by the
Company  and the  Holder of this  Note,  and then only to the  extent  set forth
therein.

         4.  Severability.  If any  provision of this Note is  determined  to be
invalid, illegal or unenforceable,  in whole or in part, the validity,  legality
and  enforceability of any of the remaining  provisions or portions of this Note
shall  not in any way be  affected  or  impaired  thereby  and this  Note  shall
nevertheless be binding between the Company and the Holder.

         5. Binding Effect.  This Note shall be binding upon, and shall inure to
the benefit of, the Company and the Holder thereof and their  respective  heirs,
successors and assigns.

         6.  Notices.  Any notice  required by any  provision of this Note to be
given to the  holders  of Notes  shall be in  writing  and may be  delivered  by
personal  service,  e-mail or facsimile or sent by registered or certified mail,
return  receipt  requested,   with  postage  thereon  fully  prepaid.  All  such
communications  shall be  addressed  to the  Holder  of  record  at its  address
appearing on the books of the Company.

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         7. Headings and Governing  Law. The  descriptive  headings in this Note
are inserted for convenience only and do not constitute a part of this Note. The
validity, meaning and effect of this Note shall be determined in accordance with
the laws of the State of  California,  without regard to principles of conflicts
of law.

         8. Attorney's  Fees. The Company,  agrees to pay such additional sum as
reasonably necessary to enforce payment of this Note, including attorney's fees,
costs and expenses.

         9. Binding Effect.  This Note shall be binding upon, and shall inure to
the benefit of, the Company and the Holder thereof and their  respective  heirs,
successors and assigns.

         10.  Consideration.  In consideration for this Note, payment shall have
been made by Holder to the  account of the Company by delivery of a check in the
name of  Quicktest  5,  Inc.,  at the  Company's  principal  office  located  at
_____________________________.


         IN WITNESS  WHEREOF,  Quicktest 5, Inc. has duly caused this Note to be
signed in its name and on its  behalf by its duly  authorized  officer as of the
date hereinabove written.

                                          QUICKTEST 5, INC.


                                          By: /s/ TIMOTHY J. OWENS
                                             --------------------------------
                                                Timothy J. Owens
                                                Title:  President and CEO




























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