EXHIBIT A

                             DEMAND PROMISSORY NOTE


$250,000                                                  Minneapolis, Minnesota
                                                                November 7, 1995

         FOR VALUE RECEIVED, the undersigned, Innovative Accessories, Inc. an
Oklahoma corporation ("Maker") promises to pay to the order of Lund
International Holdings, Inc., a Delaware corporation ("Lender"), at 911 Lund
Boulevard, Anoka, Minnesota 55303 (or at such other place as the holder hereof
shall notify Maker in writing) the principal amount as shown on Schedule 1
hereto, which amount shall be not less than Two Hundred Fifty Thousand Dollars
$250,000 with interest from the date hereof on the unpaid principal balance
hereunder to be calculated on the first business day of each month at an annual
rate equal to 8%. Interest shall be paid monthly, in arrears, on the fifteenth
day of each month. The principal amount of this Note, and all interest accrued
thereon, shall be due and automatically payable on demand.

         Principal and interest shall be payable in lawful money of the United
States of America.

                  If any default occurs in any payment due under this Note,
Maker and its successors and assigns promise to pay all reasonable costs and
expenses, including reasonable attorneys' fees, incurred by each holder hereof
in collecting or attempting to collect the indebtedness under this Note. None of
the provisions hereof and none of the holder's rights or remedies hereunder on
account of any past or future defaults shall be deemed to have been waived by
the holder's acceptance of any past due installments or by any indulgence
granted by the holder to Maker.

         Maker and its successors and assigns hereby waive presentment, demand,
protest and notice thereof or of dishonor, and agree that they shall remain
liable for all amounts due hereunder notwithstanding any extension of time or
change in the terms of payment of this Note granted by any holder hereof, any
change, alteration or release of any property now or hereafter securing the
payment hereof or any delay or failure by the holder hereof to exercise any
rights under this Note or the Security Agreement.

         This Note shall be governed by and construed in accordance with the
laws of the State of Minnesota.

         IN WITNESS WHEREOF, Maker has caused this Note to be duly executed the
day and year first above written.




                                                  INNOVATIVE ACCESSORIES, INC.


                                                  By: /s/ James A. Nett
                                                  President


                                                  By: /s/ Marilyn Lee Nett
                                                  Secretary

         The undersigned, James A. Nett, majority shareholder and President of
Maker, hereby irrevocably and unconditionally guarantees the prompt payment of
the foregoing note.


                                                  GUARANTOR

                                                  /s/ James A. Nett
                                                  James A. Nett
                                                  Date: November 7, 1995


                                   SCHEDULE 1


AMOUNT BORROWED                                                         DATE