Document:

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                                                                    EXHIBIT 10.7

                           COMMERCIAL PROMISSORY NOTE

[FIDELITY BANK LOGO]                                      Loan No.______________

                                                          Borrower(s):__________

                                                          Location:_____________

                                                          Officer:______________

U.S. $1,500,000.00                                              OCTOBER 1, 2003

         FOR VALUE RECEIVED, the undersigned INTELLIGENT SYSTEMS CORPORATION, A
GEORGIA CORPORATION (hereinafter, whether one or more, referred to as "Maker")
promises to pay to the order of Fidelity Bank, chartered under the laws of the
state of Georgia (hereinafter, together with any subsequent holder hereof,
referred to as "Holder"), at its office at 3 Corporate Square, Atlanta, Georgia
30329 or at such other place as Holder hereof may from time to time designate in
writing, in lawful money of the United States of America, the principal sum of
ONE MILLION FIVE HUNDRED DOLLARS ($ 1,500,000.00 ) or so much as may be
disbursed hereunder, together with simple interest (computed on the basis of
actual days elapsed in a 360-day year) on the principal balance from time to
time outstanding prior to default hereunder at the rate of PRIME PLUS 1.5% PER
ANNUM percent per annum. The initial interest rate on this loan is 5.50 %.

         (If the interest rate is stated in terms of, or with reference to,
"Prime", "Prime Rate", or "P" (the "Prime Rate"), then (i) such terms shall mean
the rate established by Holder from time to time as being its "Prime Rate" for
the purpose of a reference from which it sets rates for specific loans, which
reference rate is not necessarily the rate actually provided to the most
creditworthy, or any other class of, borrowers, and (ii) the interest rate
charged hereunder will change as of the opening business on each day the Prime
Rate changes.)

         Installments of principal and interest shall be due under this Note as
follows:

SEE RIDER ATTACHED HERETO AND INCORPORATED HEREIN BY THIS REFERENCE.

         This Note shall mature and the principal balance hereof, together with
all unpaid interest and other charges, costs and expenses provided for hereunder
or under any other document or instrument evidencing or securing the
indebtedness of this Note shall be due and payable on SEPTEMBER 1, 2004 .

         If (i) any payment of principal or interest on this Note is not
received by Holder as and when same is due or (ii) a default occurs n the
performance of any other covenant or agreement of Maker in this Note or by Maker
(or by any guarantor, endorser, accommodation party or any other party liable
for payment of this Note or providing security for payment of the same,
collectively with Maker, an "Obligor") under any other Loan Document or (iii)
any Obligor shall cease to exist or become insolvent or (iv) debtor
reorganization, relief or liquidation proceedings shall be initiated by or
against any Obligor, or (v) Holder shall otherwise deem itself insecure, then
all obligations of Maker to Holder, including this Note, although otherwise
unmatured or contingent, shall, at the option of Holder, forthwith mature, and
the entire principal balance and all accrued interest and other charges due
Holder shall become immediately due and payable without any notice or demand
whatsoever.

         If the principal balance of this Note is accelerated, or any
installment due hereunder is not paid as and when the same is due, or if the
principal balance of this Note is not paid at maturity, then Holder shall have
the option to increase the rate of interest to a default rate equal to two
percentage points (2%) per annum plus the rate specified above, but in no event
to exceed the maximum rate permitted by applicable law. If any monthly
installment is not received within ten (10) days after its due date, Maker
shall, at Holder's option, pay a late charge equal to five percent (5%) of the
past due installment, such payment to be due with the succeeding monthly
installment. Payment of any late charge or default interest does not entitle
Maker to extension of any due date.

         To secure this indebtedness, along with any extensions or renewals
thereof, in whole or in part, as well as all other indebtedness of Maker to
Holder, now existing or hereafter incurred or arising however incurred
(hereinafter sometimes referred to collectively as the "Liabilities"), Maker
does hereby grant to Holder a security interest in and security title to the
following:

SEE RIDER ATTACHED HERETO AND INCORPORATED HEREIN BY THIS REFERENCE.

together with any and all additions and accessions thereto or replacements
thereof, returned or unearned premiums from any insurance on any of the same
against fire, theft, collision or other catastrophe and any products and/or
proceeds of any of the foregoing (al referred to herein as the "Collateral").

         Holder shall have the right to accelerate the maturity of the
Liabilities in the event that the Collateral or any portion thereof is
transferred, assigned, or sold, or any security interest granted therein without
the prio r written consent of Holder. If at any time Holder deem itself
insecure, Maker will immediately furnish such further Collateral to be held by
Holder, or make such payment on account, as will be satisfactory to holder.

         In addition to and independent of the rights and remedies of Holder as
a secured party under the Uniform Commercial Code of Georgia, Holder shall, as
security for the Liabilities, have the right to take possession of the
Collateral, or the proceeds thereof and to sell or otherwise dispose thereof,
and for this purpose, to sign in the name of Maker any transfer, conveyance or
instrument necessary therefor, and Holder may enter upon the premises on which
the Collateral or any part thereof may be situated and remove the same
therefrom, without being liable in any way to Maker on account of entering any
premises. Holder may require Maker to assemble the Collateral and make the same
reasonably convenient to both parties. The right is expressly granted to Holder
to transfer at any time to itself or its nominee any Collateral held hereunder
and to receive the income therefrom and hold the same as security herefor, or to
apply it to any of the Liabilities. If any notification of intended disposition
of any of the Collateral is required by law, such notification shall be deemed
reasonable and properly given if mailed at least five days before such
disposition.

         Whenever Holder in good faith reasonably believes that the prospect of
payment of this Note is impaired, Holder, without notice or demand of any kind,
may if the Maker is in bankruptcy place an administrative freeze upon, and if
the Maker is not in bankruptcy, hold and set off against any or all outstanding
principal or interest as Holder may elect, any balance or amount to the credit
of Maker in any deposit, agency, reserve, holdback or other account of any
nature whatsoever maintained by or on behalf of Maker with Holder at any of its
offices, regardless of whether such accounts are general or special and
regardless of whether such accounts are individual or joint, excepting only
accounts which are actually known to Holder to be trust accounts.

         Time is of the essence with respect to all of Maker's obligations and
agreements under this Note and the Loan Documents. In the event that Holder
institutes legal proceedings to enforce this Note or refers the same to an
attorney-at-law for enforcement or collection, Maker agrees to pay to Holder, in
addition to an y indebtedness due and unpaid, all costs and expenses of such
proceedings, including attorney's fees in the amount of fifteen percent (15%) of
the outstanding principal and interest.

         Holder shall not by any act of omission or commission be deemed to
waive any of its rights or remedies hereunder unless such waiver be in writing
and signed by an authorized officer of Holder and then only to the extent
specifically set forth therein; a waiver on one occasion shall not be construed
as continuing or as a bar to or waiver of such right or remedy on any other
occasion. All remedies conferred upon Holder by this Note or any other
instrument or agreement connected herewith or related hereto shall be cumulative
and none is exclusive, and such remedies may be exercised concurrently or
consecutively at Holder's option.

         This Note is hereby expressly limited so that in no contingency or
event whatsoever, whether by acceleration of maturity of the debt evidenced
hereby or otherwise, shall the amount paid or agreed to be paid to Holder for
the use, forbearance or retention of the money advanced or to be advanced
hereunder exceed the highest lawful rate permissible under applicable laws. If,
from any circumstances whatsoever, fulfillment of any provision hereof or of any
other agreement evidencing or securing the debt, at the time performance of such
provisions shall be due, shall involve the payment of interest in excess of that
authorized by law, the obligation to be fulfilled shall be reduced to the limit
so authorized by law, and if from any circumstances, Holder shall ever receive
as interest an amount which would exceed the highest lawful rate applicable to
Maker, such amount which would be excessive interest shall be applied to the
reduction of the unpaid principal balance of the debt evidenced hereby and not
to the payment of interest, regardless of any books or records of Holder which
may indicate the contrary.

         As used herein, the terms "Maker" and "Holder" shall be deemed to
include their respective heirs, successors, legal representatives and assigns,
whether by voluntary action of the parties or by operation of law; provided,
nothing herein shall be deemed consent by Holder to any assignment or conveyance
which is restricted or prohibited by the terms of any Loan Document. In the
event that more than one person, firm or entity is a Maker hereunder, then all
references to "Maker" shall be deemed to refer equally to each of said persons,
firms, or entities, all of whom shall be jointly and severally liable for all of
the obligations of Maker hereunder.

         Each Obligor hereby waives presentment for payment, demand, notice of
non-payment of this Note, protest and notice of protest, and consents that
Holder may extend the time of payment of any part or the whole of the debt at
any time at the request of any other person or entity liable.

         Each Obligor hereby waives and renounces for itself, its heirs,
successors and assigns, all rights to the benefits of any appraisement,
exemption or homestead now provided, or which may hereafter be provided by the
Constitution and laws of the United States of America and of any state thereof
in and to all of its property, real and personal, against the enforcement and
collection of the Liabilities. Each Obligor hereby transfers, conveys and
assigns to Holder a sufficient amount of such homestead or exemption as may be
set apart in bankruptcy, to pay this Note in full, with all costs of collection,
and does hereby direct any trustee in bankruptcy having possession of such
homestead or exemption to deliver to Holder a sufficient amount of property or
money set apart as exempt to pay the indebtedness evidenced hereby, or any
renewal thereof, and does hereby appoint Holder the attorney-in-fact for such
Obligor to claim any and all homestead exemptions allowed by law.

         In the event any suit or legal action is commenced by Holder, Maker
hereby expressly agrees, consents and submits to the personal jurisdiction of
any state or federal court sitting in DeKalb or Fulton County, Georgia with
respect to such suit or legal action, and the Maker also expressly consents and
submits to and agrees that venue in any such suit or legal action is proper in
said courts and county and Maker hereby expressly waives any and all personal
rights under applicable law or in equity to object to the jurisdiction and venue
in said courts and county. The jurisdiction and venue of the courts consented
and submitted to and agreed upon in this paragraph are not exclusive but are
cumulative and in addition to the jurisdiction and venue of any court under any
applicable laws or in equity.

         This Note shall be governed and construed under the laws of the State
of Georgia except to the extent applicable Georgia law is preempted by the laws
of the United States of America.

         Maker warrants that the proceeds of the loan evidenced hereby shall be
used solely for business or commercial purposes.

IN WITNESS WHEREOF, Maker has signed, sealed and delivered this Note as of the
date first hereinbove written and acknowledges receipt of a complete copy
hereof.

MAKER:                                       MAKER:
INTELLIGENT SYSTEMS CORPORATION, A GEORGIA
CORPORATION

By:_______________________________________   By:________________________________
Title:
            [CORPORATE SEAL]
__________________________________________   ___________________________________
Address  4355 Shackleford Road               Address
         Norcross, Georgia 30093

                                             Social Security No.:_______________
                                             Phone No.:_________________________
Social Security No.:______________________
Phone No.:____________

<PAGE>

                    RIDER TO COMMERCIAL PROMISSORY NOTE FROM
        INTELLIGENT SYSTEMS CORPORATION, A GEORGIA CORPORATION ("MAKER")
                      IN FAVOR OF FIDELITY BANK ("HOLDER")
       IN THE FACE PRINCIPAL AMOUNT OF $1,500,000.00 DATED OCTOBER 1, 2003

         This Rider to the above referenced Promissory Note (the "NOTE") is
hereby made a part of the Note and incorporated therein by this reference.

1.       From and after the date hereof, interest shall accrue at the "prime
rate" of Holder (as defined on the face of the Note) plus one and one-half
percent (1 1/2 %) per annum, and shall be adjusted daily with changes in the
prime rate during the term of the Note. The Note is calculated on a 360 day
basis.

2.       Commencing on November 1, 2003 and continuing on the same day of each
month thereafter through and including August 1, 2004, payments of interest
only, in arrears, shall be due and payable.

3.       On September 1, 2004, the entire outstanding principal balance of the
indebtedness hereby evidenced, together with all accrued and unpaid interest
thereon, and all sums due to Holder hereunder shall be due and payable in full.

4.       The Liabilities (as defined in the Note) are secured by certain assets
of Maker as more particularly described in the following documents dated of even
date herewith:

         a.       Security Agreement from Maker, as pledgor, to Holder, as
                  lender;

         b.       Loan Agreement by and between Maker and Holder; and

                  c.       Those certain Georgia form UCC-1 financing statements
                           executed by Maker, as debtor to Holder, as secured
                           party.

                  d.       Guaranties from VISaer, Inc., Corecard Software,
                           Inc., ChemFree Corporation, and QS Technologies,
                           Inc., all secured by Security Agreements executed by
                           each Guarantor in favor of the Secured Party as
                           evidenced by certain form UCC-1 financing statements
                           executed by Guarantor, as guarantor to Holder, as
                           secured party.

                  e.       Assignment of Life Insurance Policy in the amount of
                           no less than $1,000,000.00 on the life of J. Leland
                           Strange.

                  5.       Disbursements under the loan evidenced by this Note
(the "LOAN") shall be made in accordance with the terms of that certain Loan
Agreement of even date herewith by and between Maker, as debtor, and Holder, as
secured party (the "LOAN AGREEMENT").

         The undersigned Maker has executed this Rider under seal on this ______
day of October, 2003.

                        MAKER:

                        INTELLIGENT SYSTEMS CORPORATION., a Georgia corporation

Attest:__________________________         By: __________________________________
                                          Its:__________________________________

                                          [CORPORATE SEAL]<PAGE>
                                                                    EXHIBIT 10.8

                                                                 OCTOBER 1, 2003

                                FORM OF GUARANTY
                            (WITH SECURITY AGREEMENT)
                         FIDELITY BANK, ATLANTA, GEORGIA

         FOR VALUE RECEIVED, the sufficiency of which is hereby acknowledged,
and in consideration of any loan or other financial accommodation heretofore or
hereafter at any time made or granted to Intelligent Systems Corporation.
(hereinafter called the "Debtor") by FIDELITY BANK, chartered under the laws of
the state of Georgia (hereinafter together with its successors and assigns,
called the "Bank"), the undersigned Guarantor(s) do hereby unconditionally
guaranty the full and prompt payment when due, whether by declaration or
otherwise, and at all times hereafter, of all obligations of the Debtor to the
Bank, however and whenever incurred or evidenced, whether direct or indirect,
absolute or contingent, or due or to become due (collectively called
"Liabilities"), and the undersigned Guarantor(s) further agree(s) to pay the
following (herein called "Expenses"): (a) all expenses paid or incurred by the
Bank in endeavoring to collect the Liabilities or any part thereof from the
Debtor, including attorney's fees of 15% of the total amount sought to be
collected if the Bank endeavors to collect from the Debtor by law or through an
attorney at law; and (b) all expenses paid or incurred by the Bank in collecting
this Guaranty, including attorney's fees of 15% of the total amount sought to be
collected if this Guaranty is collected by law or through an attorney at law.

         Undersigned Guarantor(s) hereby warrants that loans or other financial
accommodations by the Bank to the Debtor will be to the direct interest and
advantage of the undersigned Guarantor(s). This Guaranty is a guaranty of
payment and not merely a guaranty of collection.

         This Guaranty shall be continuing, absolute and unconditional and shall
remain in full force and effect as to the undersigned Guarantor(s), even though
from time to time the Liabilities of the Debtor may from time to time be
completely paid, subject to discontinuance of this Guaranty as to any of the
undersigned Guarantor(s) (including, without limitation, any undersigned
Guarantor(s) who shall become deceased, incompetent or dissolved) only as
follows: Any of the undersigned Guarantor(s), and an person duly authorized and
acting on behalf of any of the undersigned Guarantor(s), may give written notice
to the Bank of the discontinuance of this Guaranty as to the undersigned
Guarantor(s) by whom or on whose behalf such notice is given, but no such notice
shall be effective in any respect until it is actually received by the Bank and
no such notice shall affect or impair the obligations hereunder of the
undersigned Guarantor(s) by whom or on whose behalf such notice is given with
respect to the Liabilities existing at the date of receipt of such notice by the
Bank, any interest thereon or any expenses paid or incurred by the Bank in
endeavoring to collect such Liabilities, or any part thereof, and in enforcing
this Guaranty against such undersigned Guarantor(s). Any such notice of
discontinuance by or on behalf of any of the undersigned Guarantor(s) shall not
affect or impair the obligations hereunder of any other of the undersigned
Guarantor(s).

         To secure the obligations herein, along with any extensions or renewals
thereof, in whole or in part, as well as all other indebtedness of undersigned
Guarantor(s) to Bank, now existing or hereafter incurred or arising however
incurred, undersigned Guarantor(s) does hereby grant to Bank a security interest
in and security title to the following: all assets of the Guarantor, including
all Inventory, Accounts, General Intangibles, Chattel Paper, Equipment and
Fixtures, and Leasehold Improvements owned by the Guarantor now or in the future
together with any and all additions and accessions thereto or replacements
thereof, returned or unearned premiums from any insurance on any of the same
against fire, theft, collision or other catastrophe and any products and/or
proceeds of any of the foregoing (all referred to herein as the "Collateral").
Neither the Collateral nor any portion thereof may be transferred, assigned, or
sold, or any security interest granted therein without prior written consent of
Bank. If at any time Bank shall deem itself insecure, undersigned Guarantor(s)
will immediately furnish such further Collateral to be held by Bank or make such
payment on account, as will be satisfactory to Bank.

         In addition to and independent of the rights and remedies of Bank as a
secured party under the Uniform Commercial Code of Georgia, Bank shall, as
security for the obligations of the undersigned herein, have the right to take
possession of the Collateral, or the proceeds thereof and to sell or otherwise
dispose thereof, and for this purpose, to sign in the name of undersigned
Guarantor(s) any transfer, conveyance or instrument necessary therefor, and Bank
may enter upon the premises on which the Collateral or any part thereof may be
situated and remove the same therefrom without being liable in any way to
undersigned Guarantor(s) to assemble the Collateral and make the same reasonably
convenient to both parties. The right is expressly granted to Bank to transfer
at any time to itself or its nominee any Collateral held hereunder and to
receive the income therefrom and hold the same as security herefor, or to apply
it to any of the obligations of the undersigned herein. If any notification of
intended disposition of any of the Collateral is required by law, such
notification shall be deemed reasonable and properly given if mailed at least
five days before such disposition.

         Whenever Bank in good faith reasonably believes that the prospect of
payment of the obligations of the undersigned Guarantor(s) herein is impaired,
Bank, without notice or demand of any kind, may if the undersigned Guarantor(s)
is in bankruptcy place an administrative freeze upon, and if the undersigned
Guarantor(s) is not in bankruptcy, hold and set off against any or all
outstanding principal or interest as reserve, a holdback or other account of any
nature whatsoever maintained by or on behalf of undersigned and regardless of
whether such accounts are individual or joint, excepting only accounts which are
actually known to Bank to be trust accounts. Bank may, without demand or notice
of any kind, at any time when any amount shall be due and payable hereunder by
any of the undersigned guarantor(s), appropriate and apply toward the payment of
such amount, and in such order of application as the Bank may from time to time
elect, any property, balances, credits, deposits, accounts, items or monies of
such undersigned Guarantor(s) in the possession or control of the Bank for any
purpose.

         The Bank may, from time to time, without notice to the undersigned
Guarantor(s) (or any of them) (a) retain or obtain a security interest in any
property to secure any of the Liabilities or any obligation hereunder, (b)
retain or obtain the primary or secondary liability of any party or parties, in
addition to the undersigned Guarantor(s), with respect to any of the
Liabilities, (c) extend or renew for any period (whether or not longer than the
original period), alter or exchange any of the Liabilities, (d) release or
compromise any liability of any of the undersigned Guarantor(s) hereunder or any
liability of any other party or parties primarily or secondarily liable on any
of the Liabilities, (e) release its security interest, if any, in all or any
property securing any of the Liabilities or any obligation hereunder and permit
any substitution or exchange for any such property, and (f) resort to the
undersigned Guarantor(s) (or any of them) for payment of any of the Liabilities,
whether or not the Bank shall have resorted to any property securing any of the
Liabilities or any obligation hereunder or shall have proceeded against any
other of the undersigned Guarantor(s) or any other party primarily or
secondarily liable on any of the Liabilities.

         In the event of death, incompetency, dissolution or insolvency of the
Debtor, or if a petition in bankruptcy be filed by or against the Debtor, or if
a receiver be appointed for any part of the property or assets of the Debtor, or
if any judgment be entered against the Debtor, or if the Bank shall deem itself
insecure with respect to Liabilities, and if any such event should occur at a
time when any of the Liabilities may not then be due and payable, the
undersigned Guarantor(s) agrees to pay to the Bank upon demand the full amount
which would be payable hereunder by the undersigned Guarantor(s) if all
Liabilities were then due and payable.

         Any amount received by the Bank from whatever source and applied by it
toward the payment of the Liabilities shall be applied in such order of
application as the Bank may from time to time elect.

         The undersigned Guarantor(s) hereby expressly waive(s): (a) notice of
the acceptance of this Guaranty, (b) notice of the existence or creation of all
or any of the Liabilities, (c)presentment, demand, notice of dishonor, protest,
and all other notices whatsoever, and (d) all diligence in collection or
protection of or realization upon the Liabilities or any thereof, any obligation
hereunder, or any security for any of the foregoing. The creation or existence
from time to time of Liabilities in excess of the amount to which the right of
recovery under this Guaranty is limited is hereby authorized, without notice to
the undersigned Guarantor(s) (or any of them), and shall in no way affect or
impair this Guaranty. The Bank may, without notice of any kind, sell, assign or
transfer all or any of the Liabilities, and in such event each and every
immediate and successive assignee, transferee, or holder of all or any of the
liabilities, shall have the right to enforce this Guaranty, by suit or
otherwise, for the benefit of such assignee, transferee or holder, as fully as
if such assignee, transferee or holder of all or any of the Liabilities, shall
have the right to enforce this Guaranty, by suit or otherwise, for the benefit
of such assignee, transferee or holder, as fully as if such assignee, transferee
or holder were herein by name specifically given such rights, powers and
benefits, but the Bank shall have an unimpaired right, prior and superior to
that of any such assignee, transferee or holder, to enforce this Guaranty for
the benefit of the Bank as to so much of the Liabilities as it has not sold,
assigned or transferred.

         No delay or failure on the part of the Bank in the exercise of any
right or remedy shall operate as a waiver thereof, and no single or partial
exercise by the Bank of any right or remedy shall preclude other or further
exercise thereof or the exercise of any other right or remedy. No action of the
Bank permitted hereunder shall in any way impair or affect this Guaranty. For
the purpose of this Guaranty, the Liabilities shall include all obligations of
the Debtor to the Bank, notwithstanding any right or power of the Debtor or
anyone else to assert any claim or defense, as to the invalidity or
unenforceability of any such obligation, and no such claim or defense shall
impair or affect the obligations of the undersigned Guarantor(s) hereunder.

         In the event any payment of Debtor to Bank is held to constitute a
preference under the bankruptcy laws, or if for any other reason, Bank is
required to refund such payment or pay the amount thereof to any other party,
such payment by Debtor to Bank shall not constitute a release of the undersigned
Guarantor(s) from any liability hereunder, but the undersigned Guarantor(s)
agree to pay such amount to Bank upon demand and this Guaranty shall continue to
be effective or shall be reinstated, as the case may be, to the extent of any
such payment or payments.

         Undersigned Guarantor(s) shall have no right of subrogation to Bank
against Debtor, and undersigned Guarantor(s) hereby waives any rights to enforce
any remedy which Bank may have against Debtor, claims which the undersigned
Guarantor(s) may have against Debtor with respect to sums due hereunder, and any
rights to participate in any security for the Liabilities.

         The undersigned hereby expressly waive(s) the right to require Bank to
take action against the Debtor as provided for in O.C.G.A. Section 10-7-24 or
any successor statute.

         This Guaranty has been made and delivered in the State of Georgia and
shall be governed by the laws of the State. Wherever possible each provision of
this Guaranty shall be interpreted in such manner as to be effective and valid
under applicable law, but if any provision of this Guaranty shall be prohibited
by or invalid under such law, such provision shall be ineffective to the extent
of such prohibition or invalidity, without invalidating the remainder of such
provision or the remaining provision of this Guaranty. In the event any suit or
legal action is commenced by Bank, the undersigned Guarantor(s) do hereby
expressly agree, consent and submit to the personal jurisdiction of any state or
federal court sitting in Dekalb or Fulton County, Georgia with respect to such
suit or legal action, and the undersigned Guarantor(s) do also expressly consent
and submit to and agree that venue in any such suit or legal action is proper in
said courts and county and the undersigned Guarantor(s) do hereby expressly
waive any and all personal rights under applicable law or in equity to object to
the jurisdiction and venue in said courts and county. The jurisdiction and venue
of the courts consented and submitted to and agreed upon in this paragraph are
not exclusive but are cumulative and in addition to the jurisdiction and venue
of any other court under any applicable laws or in equity.

NOTICE TO GUARANTOR: You are being asked to guarantee this debt. Think carefully
before you do. If the borrower doesn't pay the debt, you will have to. Be sure
you can afford to pay if you have to, and that you want to accept this
responsibility. You may have to pay up to the full amount of the debt if the
borrower does not pay. You may also have to pay late fees or collection costs,
which increase this amount. The bank can collect this debt from you without
first trying to collect from the borrower, such as suing you, garnishing your
wages, etc. If this debt is ever in default, that fact may become a part of your
credit record. This notice is not the contract that makes you liable for the
debt.

         IN WITNESS WHEREOF the undersigned have hereunto set their hands and
affixed their seals the day and year above written.

GUARANTORS:
CHEMFREE CORPORATION, A GEORGIA CORPORATION
__________________________________________   ___________________________________

__________________________________________   ___________________________________
Address:                                     Address:
Tax Identification No.:___________________   Tax Identification No.:____________
Telephone No._____________________________   Telephone No.:_____________________

<PAGE>

__________________________________________   ___________________________________
Address:                                     Address:
Tax Identification No.:___________________   Tax Identification No.:____________
Telephone No._____________________________   Telephone No.:_____________________

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