<PAGE>

                                                                    EXHIBIT 4.18

                            [LOGO] INSTALLMENT NOTE

$1,752,000.00                             Atlanta  ,     GA      June 24 , 1999
 ------------                           ----------- ----------- ---------    --
                                           (City)      (State)     Date


     For value received, the undersigned (whether one or more, hereinafter
called the "Obligors") promise(s) to pay to the order of SOUTHTRUST BANK,
NATIONAL ASSOCIATION (hereinafter called the "Bank" or, together with any other
holder of this note, the "Holder"), at any office of the Bank in
XXXXXXXXXXXXXXXXXXXXXXXXX, or at such other place as the Holder may designate,
the principal sum of ONE MILLION SEVEN HUNDRED FIFTY TWO THOUSAND Dollars,
together with interest thereon at the rate and on the date(s) provided below
from the date of this note (or other interest accrual date shown below) until
maturity, and with interest on the unpaid principal balance after maturity at
the rate which is 2 percent per annum in excess of the rate stated below or the
maximum rate allowed by law, whichever is less, from maturity until sold
indebtedness is paid in full, interest will accrue beginning on the date of this
note unless another date is shown here: July 14, 1999.

<TABLE>
<S>                      <C>
INTEREST RATE            The above-slated sum shall accrue interest as follows (check applicable  box(es)):
-------------

[_] Variable Rate        Interest will accrue on the above-stated principal sum at the rate per annum which is
    Interest from date   _____________ percentage points in excess of the Index Rate. Unless another rate is made
                         applicable below, the "Index Rate" is the rate of interest designated by the Bank periodically
                         as its Base Rate. The Base Rate is not necessarily the lowest rate charged by the Bank. The
                         Base Rate on the date of this note is ____________ percent.

                         [_]  (check box if applicable) The "Index Rate" is the weekly auction average yield of
                              ______________-wook U.S. Treasury Bills at the most recent auction prior to the date the
                              Index Rate is calculated. The Index Rate on the date of this note is ______________
                              percent.

                         The rate of interest payable under this note will change to reflect any change in the Index
                         Rate:

                         [_]  on any day of the Index Rate changes.       [_]  on the _____________ day on each month
                         [_]  on the day each payment of interest is due  [_]  _____________________________________.
                              as provided below.

[X]  Fixed Rate          Interest will accrue on the above-slated principal sum at the rate of 7.90 percent per annum.
     Interest from date
</TABLE>

     Interest on the principal sum will be calculated at the rate set forth
above on the basis of a 360-day year and the actual number of days elapsed by
multiplying the principal sum by the per annum rate set forth above, multiplying
the product thereof by the actual number of days elapsed, and dividing the
product so obtained by 360. Obligors acknowledge that the rate of interest
payable under this Note, computed on the basis of a 365-day year and expressed
in simple interest terms as of the date hereof, is 8.01 percent per annum. The
interest rate payable hereunder may be calculated in simple interest terms per
annum (on the basis of a 365-day year) on any date by taking the sum of (a)
the Index Rate in effect on such date plus (b) _____________________ percent and
multiplying such sum by a fraction, the numerator of which is 365 and the
denominator of which is 360.

<TABLE>
<S>                      <C>
PAYMENT SCHEDULE         The above stated principal sum and interest thereon shall be paid as follows (check applicable
----------------         box(es)):

[_] Installments         The Obligors promise to pay the above-stated principal sum in ___________________ consecutive
    of Principal,        [_] monthly installments  [_] quarterly installments  [_] _______________ installments in the
    Interest Paid        amount of $______________________________ each beginning ______________________, 19 __ and
    Separately           continuing on the same day of each month, quarter, or other period (as applicable) thereafter
                         until ______________________________________, 19 __, at which time the unpaid balance of the
                         principal sum and all accrued but unpaid interest thereon shall be due and payable.

                         The Obligors promise to pay accrued interest on the principal sum
                         [_] monthly [_] quarterly [_] ________________________________________ beginning
                         ______________________, 19 __ and continuing on the same day of each month, quarter, or other
                         period (as applicable) thereafter until maturity.


[X] Installments of      The Obligors promise to pay the above-stated principal sum and interest thereon in 84 consecutive
    Principal and        [X] monthly installments  [_] quarterly installments  [_] _______________ installments in the
    Interest             amount of $ 27,205.00 each, beginning July 24, 1999 and continuing on the same day of each
                         month, quarter, or other period (as applicable) thereafter until June 24, 2006 at which time the
                         unpaid balance of the principal sum and all accrued but unpaid interest thereon shall be due
                         and payable.
</TABLE>

LATE CHARGE:
-----------
     If any scheduled payment is in default 10 days or more, Obligors agree to
pay a late charge equal to 5% of the amount of the payment which is in default,
but not less than $.50 or more than the maximum amount allowed by applicable
law.

LOAN FEE. (This provision applicable only if completed):
--------
     A loan fee in the amount of $0 has been [  ] included in the amount of this
note and paid to the Bank from the loan proceeds, [  ] paid to the Bank by cash
or check at closing. The loan fee is earned by the Bank when paid and is not
subject to refund except to the extent required by law.

PREPAYMENT:
----------
     If the interest rate on this note is a variable rate, Obligors may prepay
this note in full at any time without premium or penalty. If the interest rate
on this note is a fixed rate, unless the paragraph which follows is applicable,
prepayment of the principal sum of this note in whole or in part is not
permitted.

[_]  If this box is checked, and if the interest rate on this note is a fixed
rate, Obligors may not prepay this note in whole or in part during the first
year after the date of this note. Thereafter, prepayment will be permitted on
any scheduled payment date on condition that the amount of the prepayment must
equal the sum of (a) the principal amount prepaid plus (b) accrued interest on
the amount prepaid plus (c) a premium equal to 1% of the principal amount
prepaid multiplied times the number of years or parts of a year remaining until
final scheduled maturity of this note. No prepayment premium need be paid if
prepayment is made within one year prior to the final schedule maturity of this
note.

     If prepayment in full without penalty or premium is required to be
permitted by applicable law, the foregoing provisions will not apply and
prepayment will be allowed in accordance with such law.

COLLATERAL
----------
     This note is secured by every security agreement, pledge, assignment, stock
power, mortgage, deed of trust, security deed and/or other covering personal or
real property (all of which are hereinafter included in the term "Separate
Agreements") which secures an obligation so defined as to include this note,
including without limitation all such Separate Agreements which are of even date
herewith and/or described in the space below. In addition, as security for the
payment of any and all liabilities and obligations of the Obligors to the Holder
(including this note and the indebtedness evidenced by this note and all
extensions, renewals and modifications thereof, and all writings, delivered in
substitution therefor) and all claims of every nature of the Holder against the
Obligors, whether present or future, and whether joint, several, absolute,
contingent, matured, liquidated, unliquidated, direct or indirect (all of the
foregoing are hereinafter included in the term "Obligations"), the Obligors
hereby assign to the Holder and grant to the Holder a security interest in and
security title to the property (the "Collateral") described below: (Describe
Separate Agreements and Collateral.)

     All that "Collateral" as such terms is defined in that certain Guaranty and
     Security Agreement, dated as of even date herewith, by and between Obligor
     and Bank (as hereafter amended, restated, supplemented or otherwise
     modified from time to time).

     The Obligors are jointly and severally liable for the payment of this note
and have subscribed their names hereto without condition that anyone else should
sign or become bound hereon and without any other condition whatever being made.
The provisions printed on the back of this page are a part of this note. The
provisions of this note are binding on the heirs, executors, administrators,
successors and assigns of each and every Obligor and shall inure to the behalf
of the Holder, its successors and assigns. This note is executed under the seal
of each of the Obligors of the indorsers, if any.

          The provisions on the reverse side are a part of this note.

Address of Obligors:                   COLOR IMAGE, INC.
                                   -------------------------------------- (SEAL)

2972 Pacific Drive                 By: Sue-Ling Wang, Ph.D., President
--------------------------             ----------------------------------
                                                               Title

Norcross, georgia 30071       By:  /s/ [ILLEGIBLE]
--------------------------         -------------------------------------- (SEAL)

No. 2437016-20006                  Signature: ___________________________ (SEAL)
   -----------------------

Officer: Ken Davis/ GY8
        ------------------
Branch: 152
       -------------------


<PAGE>

              Additional Terms and Conditions of Installment Note
                      (Terms Continued from Reverse Side)

     If the Obligors fail to pay any installment of principal or interest or any
other sum under this note exactly when it is due or fail to perform any other
covenant under this Note when due (time being of the essence of every term of
this note), or if any of the Obligors or any guarantor or indorser of this note
shall die (if an individual) or dissolve or cease to do business (if a
partnership or corporation), or if any of the Obligors or any guarantor or
indorser of this note becomes insolvent, or makes a general assignment for the
benefit of creditors, or files or has filed against him or it a petition under
any chapter of the Federal Bankruptcy Code, or files or has filed against him or
it an application in any court for the appointment of a receiver or trustee for
any substantial part of his or its property or assets, or if a judgment is
entered against any of the Obligors or any such guarantor or indorser or a
levy, writ of execution, attachment or garnishment is issued against any of the
Obligors or any such guarantor or indorser or any of his or its property or
assets; or if any Obligor, indorser or guarantor of this note transfers all or
any valuable part of his, her or its assets outside the ordinary course of
business, or wastes, loses, or dissipates or permits waste, loss or dissipation
of any valuable part of such person's assets; or if any Obligor, indorser or
guarantor of this note is a partnership, and any general partner of such
partnership withdraws or is removed; or if any Obligor, indorser or guarantor of
this note is a corporation and ownership or power to vote more than 50 percent
of the voting stock of such corporation is transferred, directly or indirectly
(including through any voting trust, irrevocable proxy, or the like), during any
12 month period; or if any default or breach occurs under any of the Separate
Agreements, or if at any time in the opinion of the Holder the financial
responsibility of any Obligor or any guarantor or indorser of this note becomes
impaired, then if any of the foregoing shall occur, the entire unpaid principal
sum of this note and all accrued but unpaid interest thereon shall, at the
option of the Holder and without requirement of notice or demand, become due and
payable immediately, notwithstanding any time or credit allowed under this note
or under any other agreement made by the Holder with the Obligors.

     As additional Collateral for the payment of all Obligations, the Obligors
jointly and severally transfer, assign, pledge, and set over to the Holder, and
grant the Holder a continuing lien upon and security interest in, any and all
property of each Obligor that for any purpose, whether in trust for any Obligor
or for custody, pledge, collection or otherwise, is now or hereafter in the
actual or constructive possession of, or in transit to, the Holder in any
capacity, its correspondents or agents, and also a continuing lien upon and
right of set-off against deposits and credits of each Obligor with, and all
claims of each Obligor against, the Holder now or at any time hereafter
existing. The Holder is hereby authorized at any time or times and without
prior notice to apply such property, deposits, credits, and claims, in whole or
in part and in such order as the Holder may elect, to the payment of, or as a
reserve against, one or more of the Obligations, whether other Collateral
therefor is deemed adequate or not. All such property, deposits, credits and
claims of the Obligors are included in the terms Collateral, and the Holder
shall have (unless prohibited by law) the same rights with respect to such
Collateral as it has with respect to other Collateral.

     Without the necessity for any further notice to or consent of any Obligor,
the Holder may exercise any rights of any of the Obligors with respect to any
Collateral, including without limitation thereto the following rights: (1) to
record or register in, or otherwise transfer into, the name of the Holder or
its nominee any part of the Collateral, without disclosing that the Holder's
interest is that of a secured party; (2) to pledge or otherwise transfer any or
all of the Obligations and/or Collateral, whereupon any pledgee or transferee
shall have all the rights of the Holder hereunder, and the Holder shall
thereafter be fully discharged and relieved from all responsibility and
liability for the Collateral so transferred but shall retain all rights and
powers thereunder as to all Collateral not so transferred; (3) to take
possession of any Collateral and to receive any proceeds of and dividends and
income on any Collateral, including money, and to hold the same as Collateral or
apply the same to any of the Obligations, the manner, order and extent of such
application to be in the sole discretion of the Holder; (4) to exercise any and
all rights of voting, conversion, exchange, subscription and other rights or
options pertaining to any Collateral; and (5) to liquidate, demand, sue for,
collect, compromise, receive and give receipt for the cash or surrender value of
any Collateral. If for any reason whatsoever the Collateral shall cease to be
satisfactory to the Holder, the Obligors shall upon demand deposit with the
Holder additional Collateral satisfactory to the Holder. Surrender of this note,
upon payment or otherwise, shall not affect the right of the Holder to retain
the Collateral as security for other Obligations. Upon default, the Obligors
agree to assemble the collateral and make it available to Holder at such place
or places as the Holder shall designate.

     The Holder shall be deemed to have exercised reasonable care in the custody
and preservation of any of the Collateral which is in its possession if it takes
such reasonable actions for that purpose as the pledgor of such Collateral shall
request in writing, but the Holder shall have the sole discretion to determine
whether such actions are reasonable. Any omission to do any act not requested by
the pledgor shall not be deemed a failure to exercise reasonable care. The
Obligors shall be responsible for the preservation of the Collateral and shall
take all steps to preserve rights against prior parties. The Holder shall not be
liable for, and no Obligor, indorser, or guarantor shall be discharged to any
extent on account of, any failure to realize upon, or to exercise any right or
power with respect to, any of the Obligations or Collateral, or for any delay in
so doing.

     The Holder, without making any demand whatsoever, shall have the right to
sell all or any part of the Collateral, although the Obligations may be
contingent or unmatured, whenever the Holder considers such sale necessary for
its protection. Sale of the Collateral may be made, at any time and from time to
time, at any public or private sale, at the option of the Holder, without
advertisement or notice to any Obligor, except such notice as is required by law
and cannot be waived. The Holder may purchase the Collateral at any such sale
(unless prohibited by law) free from any equity of redemption and from all other
claims. After deducting all expenses including legal expenses and attorney's
fees as provided below, for maintaining or selling the Collateral and collecting
the proceeds of sale, the Holder shall have the right to apply the remainder of
said proceeds in payment of, or as a reserve against, any of the Obligations,
the manner, order and extent of such application to be in the sole discretion of
the Holder. To the extent notice of any sale or other disposition of the
Collateral is required by law to be given to any Obligor and cannot be waived,
the requirement of reasonable notice shall be met by sending such notice, as
provided below, at least ten (10) calendar days before the time of sale or
disposition. The Obligor shall remain liable to the Holder for the payment of
any deficiency with interest at the rate provided hereinabove. However, the
Holder shall not be obligated to resort to any Collateral but, at its election,
may proceed to inforce any of the Obligations in default against any or all of
the Obligors.

     With respect to any and all Obligations, to the extent permitted by
applicable law, the Obligors and any indorsers of this note jointly and
severally waive the following: (1) all rights of exemption of property from levy
or sale under execution or other process for the collection of debts under the
constitution and laws of the United States or of any state thereof; (2) demand,
presentment, protest, notice of dishonor, suit against any party and all other
requirements necessary to charge or hold any Obligor or indorser liable on any
Obligation; (3) any further receipt for or acknowledgment of the Collateral now
or hereafter deposited and any statement of indebtedness; (4) all statutory
provisions and requirements for the benefit of any Obligor or indorser, now or
hereafter in force (to the extent that same may be waived); (5) the right to
interpose any set-off or counterclaim of any nature or description in any
litigation in which the Holder and any Obligor or indorser shall be adverse
parties; and (6) notice of any intended public or private sale or sales or other
intended disposition by the Holder of the Collateral or any part thereof. The
Obligors and indorsers agree that any Obligations of any Obligor may, from time
to time, in whole or in part be renewed, extended, modified, accelerated,
compromised, discharged or released by the Holder, and any Collateral, lien
and/or right of set-off securing any Obligation may from time to time, in whole
or in part, be exchanged, sold, released, or otherwise impaired, all without
notice to or further reservations of rights against any Obligor or any other
person and all without in any way affecting or discharging the liability of any
Obligor or indorser. The Obligors jointly and severally agree to pay all filing
fees and taxes in connection with this note or the Collateral and all costs of
collecting or securing or attempting to collect or secure any of the
Obligations, including an attorney's fee in the amount which is 15% of the
unpaid balance of this note if this note is referred to an attorney, not a
salaried employee of the Holder, for collection following any default hereunder
by the Obligors.

     The Holder shall not by any act, delay, omission or otherwise be deemed to
have waived any of its rights or remedies, and no waiver of any kind shall be
valid, unless in writing and signed by the Holder. All rights and remedies of
the Holder under the terms of this note and under statutes or rules of law are
cumulative and may be exercised successively or concurrently. The Obligors
jointly and severally agree that the Holder shall be entitled to all rights of a
holder in due course of a negotiable instrument. This note shall be governed by
and construed in accordance with the substantive laws of the United States and
the state where the office of the Bank set forth above in the first paragraph of
this note is located, without regard to the rules of such state governing
conflicts of law. Any provision of this note which may be unenforceable or
invalid under any law shall be ineffective to the extent of such
unenforceability or invalidity without affecting the enforceability or validity
of any other provision hereof. Any notice required to be given to any person
shall be deemed sufficient if delivered to such person or if mailed, postage
prepaid, to such person's address as it appears on this note or, if none
appears, to any address of such person in the Holder's files. The Holder shall
have the right to correct patent errors in this note. A photocopy of this note
may be filed as a financing statement in any public office.

     The Obligors understand that the Bank may enter into participation
agreements with participating banks whereby the Bank will sell undivided
interests in this note to such other banks. The Obligors consent that the Bank
may furnish information regarding the Obligors, including financial information,
to such banks from time to time and also to prospective participating banks in
order that such banks may make an informed decision whether to purchase a
participation in this note. The Obligors hereby grant to each such participating
bank, to the extent of its participation in this note, the right to set off
deposit accounts maintained by the Obligors, or any of them, with such bank,
against unpaid sums owed under this note. Upon written request from the Holder,
the Obligors agree to make each payment under this note directly to each such
participating bank in proportion to the participants's interest in this note as
set forth in such request from the Holder.

     If, at any time, the rate or amount of interest, late charge, attorney's
fee or any other charge payable under this note shall exceed the maximum rate or
amount permitted by applicable law, then, for such time as such rate or amount
would be excessive, its application shall be suspended and there shall be
charged instead the maximum rate or amount permitted under such law, and any
excess interest or other charge paid by the Obligors or collected by the Holder
shall be refunded to the Obligors or credited against the principal sum of this
note, at the election of the Holder or as required by applicable law. Obligors
agree that the late charge provided in this note is a reasonable estimate of
probable additional unanticipated internal costs to the Holder of reporting and
accounting for the late payment, that such costs are difficult or impossible to
estimate accurately, and that the agreement to pay a late charge is a reasonable
liquidated damages provision.

     Notwithstanding any provision of this note to the contrary, if the Obligors
are one or more natural persons and the loan is used for personal, family, or
household [ILLEGIBLE] the following provisions are applicable (a) the waivers of
exemption of property from levy or sale under execution or
<PAGE>

such property, deposits, credits and claims of the Obligors are included in the
term Collateral, and the Holder shall have (unless prohibited by law) the same
rights with respect to such Collateral as it has with respect to other
Collateral.

     Without the necessity for any further notice to or consent of any Obligor,
the Holder may exercise any rights of any of the Obligors with respect to any
Collateral, including without limitation thereto the following rights: (1) to
record or register in, or otherwise transfer into, the name of the Holder or its
nominee any part of the Collateral, without disclosing that the Holder's
interest is that of a secured party: (2) to pledge or otherwise transfer any or
all of the Obligations and/or Collateral, whereupon any pledgee or transferee
shall have all the rights of the Holder hereunder, and the Holder shall
thereafter be fully discharged and relieved from all responsibility and
liability for the Collateral so transferred but shall retain all rights and
powers thereunder as to all Collateral not so transferred; (3) to take
possession of any Collateral and to receive any proceeds of and dividends and
income on any Collateral, including money, and to hold the same as Collateral or
apply the same to any of the Obligations, the manner, order and extent of such
application to be in the sole discretion of the Holder; (4) to exercise any and
all rights of voting, conversion, exchange, subscription and other rights or
options pertaining to any Collateral; and (5) to liquidate, demand, sue for,
collect, compromise, receive and give receipt for the cash or surrender value of
any Collateral. If for any reason whatsoever the Collateral shall cease to be
satisfactory to the Holder, the Obligors shall upon demand deposit with the
Holder additional Collateral satisfactory to the Holder. Surrender of this note,
upon payment or otherwise, shall not affect the right of the Holder to retain
the Collateral as security for other Obligations. Upon default, the Obligors
agree to assemble the Collateral and make it available to Holder at such place
or places as the Holder shall designate.

     The Holder shall be deemed to have exercised reasonable care in the custody
and preservation of any of the Collateral which is in its possession if it takes
such reasonable actions for that purpose as the pledgor of such Collateral shall
request in writing, but the Holder shall have the sole discretion to determine
whether such actions are reasonable. Any omission to do any act not requested by
the pledgor shall not be deemed a failure to exercise reasonable care. The
Obligors shall be responsible for the preservation of the Collateral and shall
take all steps to preserve rights against prior parties. The Holder shall not be
liable for, and no Obligor, indorser, or guarantor shall be discharged to any
extent on account of, any failure to realize upon, or to exercise any right or
power with respect to, any of the Obligations or Collateral, or for any delay in
so doing.

     The Holder, without making any demand whatsoever, shall have the right to
sell all or any part of the Collateral, although the Obligations may be
contingent or unmatured, whenever the Holder considers such sale necessary for
its protection. Sale of the Collateral may be made, at any time and form time to
time, at any public or private sale, at the option of the Holder, without
advertisement or notice to any Obligor, except such notice as is required by law
and cannot be waived. The Holder may purchase the Collateral at any such sale
(unless prohibited by law) free from any equity of redemption and from all other
claims. After deducting all expenses including legal expenses and attorney's
fees as provided below, for maintaining or selling the Collateral and collecting
the proceeds of sale, the Holder shall have the right to apply the remainder of
said proceeds in payment of, or as a reserve against, any of the Obligations,
the manner, order and extent of such application to be in the sole discretion of
the Holder. To the extent notice of any sale or other disposition of the
Collateral is required by law to be given to any Obligor and cannot be waived,
the requirement of reasonable notice shall be met by sending such notice, as
provided below, at least ten (10) calendar days before the time of sale or
disposition. The Obligor shall remain liable to the Holder for the payment of
any deficiency with interest at the rate provided hereinabove. However, the
Holder shall not be obligated to resort to any Collateral but, at its election,
may proceed to enforce any of the Obligations in default against any or all of
the Obligors.

     With respect to any and all Obligations, to the extent permitted by
applicable law, the Obligors and any indorsers of this note jointly and
severally waive the following: (1) all rights of exemption of property from levy
or sale under execution or other process for the collection of debts under the
constitution and laws of the United States or of any state thereof; (2) demand,
presentment, protest, notice of dishonor, suit against any party and all other
requirements necessary to charge or hold any Obligor or indorser liable on any
Obligation; (3) any further receipt for or acknowledgment of the Collateral now
or hereafter deposited and any statement of indebtedness; (4) all statutory
provisions and requirements for the benefit of any Obligor or indorser, now or
hereafter in force (to the extent that same may be waived); (5) the right to
interpose any set-off or counterclaim of any nature or description in any
litigation in which the Holder and any Obligor or indorser shall be adverse
parties; and (6) notice of any intended public or private sale or sales or other
intended disposition by the holder of the Collateral or any part thereof. The
Obligors and indorsers agree that any Obligations of any Obligor may, from time
to time, in whole or in part, be renewed, extended, modified, accelerated,
compromised, discharged or released by the Holder, and any Collateral, lien
and/or right of set-off securing any Obligation may from time to time, in whole
or in part, be exchanged, sold, released, or otherwise impaired, all without
notice to or further reservations of rights against any Obligor or any other
person and all without in any way affecting or discharging the liability of any
Obligor or indorser. The Obligors jointly and severally agree to pay all filing
fees and taxes in connection with this note of the Collateral and all costs of
collecting or securing or attempting to collect or secure any of the
Obligations, including an attorney's fee in the amount which is 15% of the
unpaid balance of this note if this note is referred to an attorney, not a
salaried employee of the Holder, for collection following any default hereunder
by the Obligors.

     The Holder shall not by any act, delay, omission or otherwise be deemed to
have waived any of its rights or remedies, and no waiver of any kind shall be
valid, unless in writing and signed by the Holder. All rights and remedies of
the Holder under the terms of this note and under statutes or rules of law are
cumulative and may be exercised successively or concurrently. The Obligors
jointly and severally agree that the Holder shall be entitled to all rights of a
holder in due course of a negotiable instrument. This note shall be governed by
and construed in accordance with the substantive laws of the United States and
the state where the office of the Bank set forth above in the first paragraph of
this note is located, without regard to the rules of such state governing
conflicts of law. Any provision of this note which may be unenforceable or
invalid under any law shall be ineffective to the extent of such
unenforceability or invalidity without affecting the enforceability or validity
of any other provision hereof. Any notice required to be given to any person
shall be deemed sufficient if delivered to such person or if mailed, postage
prepaid, to such person's address as it appears on this note or, if none
appears, to any address of such person in the Holder's files. The Holder shall
have the right to correct patent errors in this note. A photocopy of this note
may be filed as a financing statement in any public office.

     The Obligors understand that the Bank may enter into participation
agreements with participating banks whereby the Bank will sell undivided
interests in this note to such other banks. The Obligors consent that the Bank
may furnish information regarding the Obligors, including financial information,
to such banks from time to time and also to prospective participating banks in
order that such banks may make an informed decision whether to purchase a
participation in this note. The Obligors hereby grant to each such participating
bank, to the extent of its participation in this note, the right to set off
deposit accounts maintained by the Obligors, or any of them, with such bank,
against unpaid sums owed under this note. Upon written request from the Holder,
the Obligors agree to make each payment under this note directly to each such
participating bank in proportion to the participant's interest in this note as
set forth in such request from the Holder.

     If at any time, the rate or amount of interest, late charge, attorney's fee
or any other charge payable under this note shall exceed the maximum rate or
amount permitted by applicable law, then, for such time as such rate or amount
would be excessive, its application shall be suspended and there shall be
charged instead the maximum rate or amount permitted under such law, and any
excess interest or other charge paid by the Obligors or collected by the Holder
shall be refunded to the Obligors or credited against the principal sum of this
note, at the election of the Holder or as required by applicable law. Obligors
agree that the late charge provided in this note is a reasonable estimate of
probable additional unanticipated internal costs to the Holder of reporting and
accounting for the late payment, that such costs are difficult or impossible to
estimate accuracy, and that the agreement to pay a late charge is a reasonable
liquidated damages provision.

     Notwithstanding any provision of this note to the contrary, if the Obligors
are one or more natural persons and the loan is used for personal, family, or
household use other than the purchase of real property, the following provisions
are applicable: (a) the waivers of exemption of property from levy or sale under
execution or other process for the collection of debts, as hereinabove provided,
applies only with respect to the Collateral, if any, for this note; (b) to the
extent that any Separate Agreement covers property which is ("household goods",
as that term is defined in 12 C.F.R. Section 227.12(d), and to the extent the
proceeds of the loan evidenced by this note were not used to purchase such
property, such "household goods" do not constitute any part of Collateral for
the Obligations, and (c) whether or not the loan is used to purchase real
property, no consumer protection provision of applicable law and no limitation
on the remedy of garnishment provided under federal or state law is waived
hereby.

     Time is of the essence of the payment and performance of this note.

EACH INDORSER OF THIS NOTE AGREES TO BE BOUND BY THE PROVISIONS PRINTED OR
OTHERWISE APPEARING ABOVE AND ON THE FACE OF THIS NOTE, INCLUDING THE PROVISION
FOR PAYMENT OF ATTORNEY'S FEES FOR COLLECTION.

                            Signature_______________________________ (SEAL)

                            Address  2972 Pacific Drive, Norcross, Georgia 30071
                                     -------------------------------------------

                            Signature_______________________________ (SEAL)

                            Address________________________________________