Exhibit No. 10.15
Form 10-KSB
Buyers United, Inc.
File No. 0-26917

                                PROMISSORY NOTE

THIS  PROMISSORY  NOTE HAS BEEN ACQUIRED FOR INVESTMENT FOR THE  HOLDER'S  OWN
ACCOUNT AND NOT WITH A VIEW TO OR FOR SALE IN CONNECTION WITH ANY DISTRIBUTION
OF SECURITIES.  THE SECURITIES HAVE NOT BEEN REGISTERED OR QUALIFIED UNDER THE
SECURITIES  ACT  OF  1933, AS AMENDED ("SECURITIES ACT") OR  UNDER  ANY  STATE
SECURITIES LAWS ("BLUE SKY LAWS").  AN OFFER TO SELL OR TRANSFER OR  THE  SALE
OR  TRANSFER  OF  THESE  SECURITIES IS UNLAWFUL UNLESS  MADE  PURSUANT  TO  AN
EFFECTIVE   REGISTRATION  STATEMENT  OR  PERMIT,  AS  APPLICABLE,  UNDER   THE
SECURITIES  ACT  OR  APPLICABLE BLUE SKY LAWS  OR  UNLESS  AN  EXEMPTION  FROM
REGISTRATION AND/OR QUALIFICATION UNDER THE SECURITIES ACT AND APPLICABLE BLUE
SKY  LAWS  IS AVAILABLE OR AN OPINION OF COUNSEL, OR OTHER EVIDENCE REASONABLY
SATISFACTORY  TO  THE COMPANY, IS PROVIDED TO THE COMPANY TO THE  EFFECT  THAT
SUCH  REGISTRATION OR QUALIFICATION IS NOT REQUIRED UNDER THE  SECURITIES  ACT
AND APPLICABLE BLUE SKY LAWS.


Amount Advanced: $________________________             Dated: ____________


          FOR  VALUE  RECEIVED,  the undersigned, Buyers  United,  Inc.,  a
     Delaware  corporation ("Debtor"), promises to  pay  to  the  order  of
     ______________________________________________   or    his    assignee
     ("Lender"),          the          principal           sum           of
     $________________________________________________  (the   "Advances"),
     pursuant  to  Section 3 of this Promissory Note (the or this  "Note"),
     from the date first written above (the "Execution Date").

1.   Fixed Interest.

     Fixed  interest shall accrue on the outstanding principal amount  of  the
Note  at the rate of ten percent (10%) per annum and the principal of the Note
shall  be paid monthly from the LMB Opportunity's (defined hereinafter)  Gross
Collected Revenues, (defined hereinafter).

2.   Computation.

     All payments (including prepayments) hereunder are to be applied first to
the  payment  of  accrued Fixed Interest and the remaining  balance  shall  be
applied to the payment of principal.  Accrued Fixed Interest shall be computed
on  the basis of a three hundred and sixty (360) day year, based on the actual
number of days elapsed.

3.   Principal and Fixed Interest Payments. Loan Provisions.

     Debtor  has  a  member acquisition opportunity described in that  certain
"Confidential  Executive  Summary"  (the  "Summary"),  delivered   to   Lender
simultaneously  herewith.  Debtor has bundled the revenues  derived  from  the
member acquisition opportunity into a revenue pool ("Revenue Pool") from which
it  will  pay  lender an "Additional Payment," as defined in this  Note.   The
"Additional Payment" shall be paid as follows:

     * Debtor will pay to Lender and other participating lenders in the
       Revenue Pool monthly, a total of forty percent (40%) of the "New
       Members' (defined hereinafter) collected monthly revenues from the
       Revenue Pool (the "Additional Payments") that will be applied against
       the Note's principal until the Note is
       paid in full.

     3.1   Description  of the Opportunity. Debtor has a current  relationship
with  a  company  know as LowerMyBill.com ("LMB").  LMB  has  a  website  that
attracts  large  numbers  of  individuals who  receive  information  regarding
discount pricing on monthly services.  Among the various services marketed  to
LMB  members  is a telecommunication service.  LMB effects relationships  with
telecommunication providers and then markets these services  to  its  members.
Debtor  has  tested  LMB's ability to upsell its telecommunication  and  other
services  and  has found LMB to be effective in upselling such  services  (the
"Services")  to its members (the "LMB Opportunity").  For each  customer  that
becomes  a  member of Debtor's organization (the "New Members") and  purchases
monthly telecommunication or other services (the "Services"), Debtor pays  LMB
a  commission  (the "Commissions").  Pursuant to the foregoing, the  following
terms and conditions are an integral part of this Note:

     * Debtor shall use a minimum of fifty percent (50%) of the Advances
       to pay to LMB Commissions to acquire New Members.

     * Debtor will pay to Lender the Interest and the Additional Payment
       monthly out of the gross collected revenues ("Gross Collected
       Revenues") from the payments for the Services paid by the New Members,
       pursuant to the  LMB Opportunity.  For purposes of this Note, Gross
       Collected Revenues shall mean, all revenues received from the New
       Members, less taxes, PICC charges, late fees and penalties.

     * Upon  request, Debtor shall remit timely to Lender  copies  of  all
       correspondence, information, accountings, audit results, etc. that it
       tenders to LMB pursuant to the LMB Agreement.

     3.2  Supplemental Additional Payments.  After the Note's principal
balance
is paid  in  full  by the Additional Payments, the Additional Payments  shall
be reduced  to  an  amount  equal to twenty-four (24%)  of  the  Gross
Collected Revenues  generated  from  the  Revenue  Pool  (the  "Supplemental
Additional Payments"). The Supplemental Additional Payments will be paid
monthly.   The Supplemental Payments will continue until the New Members,
purchased with  the Advances,  ceases to purchase telecommunication or other
products or  services from Debtor.

     3.3  Limited Fund.  Payment of Interest, Additional Payments, and
Supplemental
Additional Payments is limited to the unsecured Gross Collected Revenues  from
the LMB Opportunity and not the general assets of the Company.

4.   Designated Places of Payment.

     The Advances and interest due hereunder is payable in lawful money of the
United States of America, in immediately available funds, at such place as may
be designated by.

5.   Usury Matters.

      It  is  expressly stipulated and agreed to be the intent  of  Maker  and
Lender  to  comply with at all times, the applicable state law  governing  the
maximum  rate or amount of interest payable on the Note (or applicable federal
law  to  the extent that it permits the Lender to contract for, charge,  take,
reserve  or  receive a greater amount of interest than under applicable  state
law),  In  the  event the applicable law is judicially interpreted  so  as  to
render  usurious  any  amount called for under the  Note  or  contracted  for,
charged, taken, reserved or received with respect to such indebtedness, or  if
Lender's exercise of his, her or its option to accelerate the maturity of  the
Note,  or if any prepayment by Maker results in Maker having paid any interest
in  excess of that permitted by applicable law, then it is the express  intent
of  both  Maker  and Lender that all excess amounts theretofore  collected  by
Lender be credited to the principal balance of the Note (or, if this Note  has
been  or would thereby be paid in full, refunded to Maker).  In the event such
judicial  interpretation is applied to this Note, the provisions of this  Note
shall  immediately  be  deemed amended and the amounts thereafter  collectible
hereunder  reduced,  without the necessity of the execution  of  any  new,  or
amendment to any existing, document, so as to comply with the applicable  law,
but so as to permit the recovery of the fullest amount legally permitted.

6.   Waivers.

      Except as set forth elsewhere herein, Maker, for itself and its  legal
representatives,  successors,  and assigns,  expressly  waives  presentment,
protest,  demand,  notice  of  dishonor, notice  of  nonpayment,  notice  of
maturity,  notice  of  protest, notice of intent to  accelerate,  notice  of
acceleration,  presentment  for the purpose of  accelerating  maturity,  and
diligence in collection.

7.   Default Provisions

     The occurrence of one or more of the following events shall constitute an
event of default of this Agreement:

     7.1   Nonpayment.  The nonpayment of any principal or interest by  Debtor
on  the Loan when the same becomes due and payable and available which is  not
cured within Twenty (20) days of the due date.

     7.2   Bankruptcy.   The  entry of a decree or order  by  a  court  having
appropriate  jurisdiction  adjudging  Debtor  a  bankrupt  or  insolvent,   or
approving  as properly filed a petition seeking reorganization or  liquidation
of  Debtor under the Federal Bankruptcy Act or any other applicable federal or
state law, or appointing a receiver, liquidator, assignee or trustee over  any
substantial  portion  of the Debtor's property or Collateral,  as  defined  in
Section  6, or ordering the winding up or liquidation of its affairs, and  the
continuance of any such decree or order unstayed and in effect for a period of
sixty (60) consecutive days.

     7.3  Involuntary Bankruptcy.  The institution by Debtor of proceedings to
be  adjudicated  a  bankrupt  or insolvent,  or  the  consent  by  it  to  the
institution of bankruptcy or insolvency proceedings against it, or the  filing
by  it  of  a petition or answer or consent seeking reorganization  or  relief
under the Federal Bankruptcy Act or any other applicable federal or state law,
or consent by it to the filing of any such petition or to the appointment of a
receiver, liquidator, assignee or trustee of the Debtor, shall become  subject
to  the jurisdiction of a federal bankruptcy court or similar state court,  or
if  Debtor  shall make an assignment for the benefit of its creditors,  or  if
there is an attachment, receivership, execution or other judicial seizure,  or
if  there  is an admission in writing by Debtor of its inability  to  pay  its
debts  generally  as  they become due, or the taking of  corporate  action  by
Debtor in furtherance of any such action.

     7.4   Failure  to Comply.  Debtor's failure to comply with  any  material
term, obligation, covenant, or condition contained in this Note, within twenty
(20)  days  after  receipt of written notice from the  Lender  demanding  such
compliance.

     7.5   Misrepresentation.  Any warranty, covenant, or representation  made
to  Lender  by  Debtor under this Note, or any related agreement  executed  in
connection  with  this  Offering, proves to have been false  in  any  material
respect when made or furnished.

      7.6  Seizure.  Any levy, seizure, attachment, lien, or encumbrance  of
or  on  the Revenue Pool, , other than those existing as of the date hereof,
which is not discharged by Debtor within ten (10) days,

      7.7  For purposes of section 7.4, 7.5, 7.6, and 7.7, default shall occur
only upon the approval of a majority in interest of the outstanding Notes

8.   Cure.

     Maker shall be provided a period of thirty (30) days from the date of  an
event of default, as defined in Section 7 hereinabove, to cure a default.   In
the  event  Maker fails to cure any default within such time period, including
the  payment of all costs and expenses provided for in this Note and under the
Loan  and  Security  Agreement  by and among  Maker  and  Lender,  Lender  may
immediately enforce any and all rights provided to him under this Note and the
Loan and Security Agreement.

9.   Acceleration, Attorneys' Fees.

     At  the option of the Lender, and without demand or notice, all principal
and any unpaid interest shall become immediately due and payable upon an event
of  default  as set forth in Section 7 hereinabove.  Any reasonable attorneys'
fees  and other expenses incurred by the Lender in enforcing any of its rights
hereunder  or from a bankruptcy filing relating to the Maker, or  any  of  the
other  events  described in Section 7 hereinabove, shall be deemed  additional
indebtedness  of  the  Maker and added to the principal amount  of  the  Note,
irrespective of whether Lender files suit against Maker.

10.  Section Headings.

     Headings  and  numbers have been set forth for convenience only.   Unless
the  contrary  is  compelled by the context, the language set  forth  in  each
paragraph applies equally to the entire Note.

11.  Amendments in Writing.

     This  Note may only be changed, modified or amended in writing signed  by
the Parties.

12.  Closing.

For purposes of this Note the "Closing" shall refer to the closing of the Loan
and  other loans by third parties, the proceeds of which are included  in  the
Revenue Pool.

13.  Choice of Law.

     The  Note  and all transactions hereunder and evidenced hereby  shall  be
governed by, construed under, and enforced in accordance with the laws of  the
State of Utah.





Made and Executed in Salt Lake City, Utah

Buyers United, Inc.


______________________________________
By:  Paul Jarman
Its:  Chief Operating Officer