EXHIBIT 10.12
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                            ONE YEAR INSTALLMENT NOTE

$200,000.00                                                 June  13, 2003

FOR  VALUE  RECEIVED   American  Indian  CigCo,  LLC  and  CigCo-EPIC   Venture,
(hereinafter  called  "MAKER"),  hereby  promise  to  pay to  the  order  of the
Cyco.Net,  Inc., or Assigns (hereinafter called "PAYEE" whether one or more), at
Albuquerque, New Mexico or at such other address as the Payee may designate from
time to time in writing to Maker,  the  principal  sum of TWO  HUNDRED  THOUSAND
DOLLARS  ($200,000.00)  pursuant  to a Finance  Agreement  attached  hereto,  as
follows:

[] Maker to make Twelve Monthly  Installments  of $16,667.00  beginning July 31,
   2003 until Note is paid in full.

      All past due payments due on this Note shall bear  interest at the rate of
ten  percent  (10%) per annum from  maturity  until  paid.  All sums called for,
payable,  or to be paid  hereunder  shall be paid in lawful  money of the United
States of America,  which at the time of payment is legal tender for the payment
of public and private debts therein.
      In the event of a default in the timely  payment of any amount due hereon,
in whole or in part,  that remains  uncured for a period of fifteen (15) days or
more after the giving by the holder of this Note to Maker or Purchaser herein of
a written notice  setting forth the details of such default,  then the Holder of
this Note shall have right and option, at any time after the end of such fifteen
(15) day period, in addition to any and all other rights,  remedies or recourses
available to it, to declare the unpaid principal balance and accrued interest on
the Note at once due and payable. Time is of the essence with respect to payment
on this Note.
      Any notice required or permitted to be given hereunder by one party to the
other  shall be in  writing  and the same  shall be given and shall be deemed to
have been  served  and given if  delivered  in person to the  address  set forth
hereinafter  for the  party to whom the  notice  is  given,  or if placed in the
United States,  postage prepaid, by registered or certified mail, return receipt
requested,  addressed to the party at that address  hereinafter  specified.  The
address  of the  Payee  for  all  purposes  under  this  Note  and  all  notices
hereinafter  shall be 4201 Yale Blvd.,  N.E.  Suite G,  Albuquerque,  New Mexico
87107
      The  address  of the Maker for all  purposes  under  this Note and for all
notices hereunder shall be: 800 Gold Ave. S. W., Albuquerque, NM 87102.
      Either party may designate  another  address within the  forty-eight  (48)
contiguous  states of the United  States of America for all purposes of the Note
by giving the other party not less than fifteen (15) days advance written notice
of such change of address in accordance with the provisions hereof.
      If,  after  default,  the Note is placed in the hands of an  attorney  for
collection,  or is collected through the probate court,  bankruptcy court, or by
any other legal or  judicial  proceedings,  then Maker shall pay the  reasonable
attorneys fees of the Holder of this Note. This is a non-recourse note.

IN WITNESS  WHEREOF,  Maker has duly  executed this Note as of the date and year
above first written.

                              MAKER

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                                    BY:   AMERICAN INDIAN CIGCO, LLC


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                                    BY:   CIGCO-EPIC VENTURE