Document:

EXHIBIT 10.3
                                                                    ------------

                         PLASTIC PALLET PRODUCTION, INC.
                                 REVOLVING NOTE
                                 --------------

$3,000,000.00                                                    Tulsa, Oklahoma
                                                               December 11, 2001

            FOR VALUE RECEIVED, the undersigned, PLASTIC PALLET PRODUCTION,
INC., a Texas corporation ("Borrower"), promises to pay to the order of THE F&M
BANK & TRUST COMP ANY ("the Bank"), the principal sum of THREE MILLION DOLLARS
($3,000,000.00) or so much as is advanced and remaining unpaid and outstanding
hereunder together with interest on the unpaid balance from the date of the
execution of this Note at the Prime Lending Rate of Interest as defined in the
Loan Agreement between the Bank and Borrower dated as of even date herewith
("Loan Agreement") (which may or may not be the lowest or best interest rate
extended to any borrower) plus one-quarter of one percent (.25%) at all times.
The rate of interest payable on this Note shall change or fluctuate daily and be
adjusted daily based on any daily changes or fluctuations of the Prime Lending
Rate of Interest; provided, however, that the rate of interest payable upon the
indebtedness evidenced by this Note shall not at any time exceed the maximum
rate of interest permitted under the laws of the State of Oklahoma for loans of
the type and character evidenced by this Note.

            Notwithstanding the fact that the face amount of the Note is THREE
MILLION DOLLARS ($3,000,000.00), the actual principal amount due from Borrower
to the Bank at any one time on account of the Note for which interest will
accrue will be the sum of all advances made on account hereof, less all
principal payments actually received by Bank in collected funds. Subject to the
terms of the Loan Agreement, advances on the Note will be made as requested, but
the aggregate advances on the Note will be made as requested by Borrower and
will be made without regard to the cumulative amount of the advances made under
the term of this Note as long as the outstanding principal balance does not at
the time of any requested advance, plus the requested advance, exceed the face
amount of the Note and as long as no default or event of default shall have
occurred under this Note, the Loan Agreement or any other agreement between the
Bank and the Borrower. The principal sum and the interest hereon will be paid in
installments at the principal office of The F&M Bank & Trust Company in Tulsa,
Oklahoma, or such other places it may designate in writing, not later than 2:00
p.m., on the due dates thereof, according to the following schedule:

                        (i) On January 20, 2002, and on the same day of each
            consecutive month thereafter until the final payment, all accrued
            and unpaid interest shall be due and payable on the principal sums
            advanced and outstanding under this Note; and

                        (ii) On December 31,2002, a final payment of all accrued
            and unpaid interest and the principal balance of this Note shall be
            due and payable.

            If any payment of interest or principal due hereunder or any
interest or principal on any other indebtedness of the Borrower or any party
primarily or secondarily liable hereunder is not
<PAGE>

paid when due, or if any default occurs under any of the Loan Agreement or the
loan documents between any party primarily or secondarily liable on this Note,
or if a receiver be appointed over any of the property of Borrower or if any
proceeding in Bankruptcy be instituted by or against any party primarily or
secondarily liable under this Note, the Holder hereof may, at its option,
without notice or demand, declare this Note in default and all indebtedness
hereunder immediately due and payable. All sums applied to the Note in excess of
then due installment of interest or principal, whether by pre-payment,
acceleration or otherwise, will be applied first to reduce the reasonable costs
incurred under the security documents, then to accrued but unpaid interest, then
to installments of principal then due but unpaid and finally, to the
installments of principal last maturing in inverse order. In the event of a
default, the entire unpaid balance shall be immediately due and payable,
together with interest from the date of default on such principal balance at the
rate of five percent (5%) per annum above the Prime Lending Rate described
above.

            At the maturity of this Note, whether by acceleration or otherwise,
the Bank, at its option, may apply to the payment of this Note or to any other
indebtedness of Borrower to the Bank, whether then due or not, the deposit
balances of Borrower, and may also setoff against all of their liabilities of
each maker of a Guaranty to the Bank all money owed by the Bank in any capacity
to each or any such person(s); and the Bank shall be deemed to have exercised
any such right of set-off and to have made a charge against such money
immediately upon occurrence of such default, even though such charge is made or
entered onto the books of the Bank subsequently thereto. From time to time the
maturity of this Note may be extended or this Note may be renewed, in whole or
in part, or a new note of a different form may be substituted for this Note
and/or the rate of interest may be changed, or changes may be made in
consideration of loan extensions and, the Holder, from time to time, may waive
or surrender either in whole or in part any rights, security interest(s), liens,
guaranties given for the benefit of the Holder's Note in connection with the
payment and securing the payment of this Note; but no such consequence shall in
any manner affect, limit, modify or otherwise impair any rights, guaranties,
assumption agreements or security not specifically waived, released or
surrendered in writing, nor shall any maker, guarantor, person assuming the Debt
or any part thereof, endorser or any person who is or might be liable hereon
either primarily or contingently, be released from such liability by reason of
the occurrence of such event. The Holder hereof, from time to time, shall have
the unlimited right to release any person who might be liable hereon, and any
such release shall not affect or discharge the liability of any other person who
is or might be liable hereon, either primarily or secondarily.

            The Borrower, on its own behalf and all persons assuming liability
under this Note, endorsers, guarantors and sureties hereby severally waive,
protest, presentment, demand, dishonor, notice of dishonor, notice of protest or
non-payment in the case this Note or any payment due hereunder is not paid when
due, and agree to any renewal of this Note or to any extension, acceleration or
postponement of the time of payment, or any other indulgence to, any
substitution, exchange or release of collateral and to the release of any party
or person primarily or contingently liable without notice to any maker,
endorser, guarantor, surety or other person assuming liability. The Borrower and
any guarantor, endorser, and surety or any other person who is or may be
primarily liable hereon, will, on demand, pay all costs of collection, including
a

                                       2
<PAGE>

reasonable attorneys' fee to the Holder hereof attempting to enforce the payment
of this Note and a reasonable attorneys' fees for defending the validity of the
Note or any documents securing this Note. The words "any party" or "all parties"
shall, in addition to the undersigned, include endorsers, sureties and
guarantors of the Note and the word "undersigned" shall include the singular as
well as the plural member.

            This Promissory Note is subject to, and entitled to the benefits of
the certain Loan Agreement as a Revolving Notes issued thereunder.

            The Note shall be governed and construed in accordance with laws of
the State of Oklahoma.

                                    BORROWER:

                                    PLASTIC PALLET PRODUCTION, INC.
                                    a Texas corporation

                                    By: /s/ Paul A. Kruger
                                        ------------------------------------
                                        Paul A. Kruger, President

                                       3EXHIBIT 10.4
                                                                    ------------

                                 PAUL A. KRUGER
                                    GUARANTY
                                    --------

            The Borrower, PLASTIC PALLET PRODUCTION, INC., a Texas corporation
("Borrower"), has borrowed or desires to borrow the principal sum of
$3,000,000.00 from THE F&M BANK & TRUST COMPANY , an Oklahoma banking
corporation ("Bank"), pursuant to a Note ("Note") and Loan Agreement of even
date, (the "Loan Agreement") with Borrower and Bank and Warren F. Kruger, Paul
A. Kruger and PalWeb Corporation (individually or collectively "Guarantor" or
"Guarantors ") (hereinafter the Note identified above will be collectively
referred to as the "Note" and the sums due under the Note shall be referred to
and defined hereafter as "Indebtedness").

            As a condition of the loans by the Bank, the Bank has required that
the payment and performance by Borrower of the Note and Indebtedness be
unconditionally guaranteed by the undersigned to the extent outlined below in
this Guaranty. The loan of monies to Borrower will benefit the Guarantor as
owner of an interest in Borrower.

            1. As an inducement for and in consideration of Bank agreeing to
make available or lend to Borrower and Guarantor certain funds pursuant to that
certain Loan Agreement dated of even date herewith between Borrower and Bank,
and evidenced by the certain Note executed by Borrower and payable to the order
of Bank, Guarantor, Guarantor absolutely and unconditionally guarantees and
promises to pay to Bank or its order, in legal tender of the United States of
America, the Note and Indebtedness (as defined below) of Borrower, to Bank on
the terms and conditions set forth in this Guaranty. Under this Guaranty, the
liability of Guarantor is unlimited as set forth above, and the obligations of
Guarantor are absolute and continuing. The amount of this Guaranty is unlimited.

            2. Guarantor's liability under this Guaranty shall be open and
continuous for so long as this Guaranty remains in force. Guarantor intends to
guarantee at all times the performance and prompt payment when due, whether at
maturity or earlier by reason of acceleration or otherwise, of all Indebtedness.
Accordingly, no payments made upon the Indebtedness will discharge or diminish
the continuing liability of Guarantor in connection with any remaining portions
of the Indebtedness or any of the Indebtedness which subsequently arises or is
thereafter incurred or contracted. Notwithstanding anything contained in this
Guaranty to the contrary, Guarantor shall be entitled to any notices and
opportunities to cure a default pursuant to the Indebtedness which may be
afforded the Borrower.

            3. This Guaranty will take effect when received by Bank without the
necessity of any acceptance by Bank, or any notice to Guarantor or to Borrower,
and will continue in full force until all Indebtedness incurred or contracted
before receipt by Bank of any notice of revocation shall have been fully and
finally paid and satisfied and all other obligations of Guarantor under this
Guaranty shall have been performed in full. If Guarantor elects to revoke this
Guaranty, Guarantor may only do so in writing. Guarantor's written notice of
revocation must be delivered to Bank at the address of Bank listed above or such
other place as Bank may designate in writing. This Guaranty may be revoked only
with respect to Indebtedness incurred or contracted by Borrower, or acquired by
Bank thirty (30) days or more after the date on which written notice of
revocation is actually received by Bank. No notice of revocation hereof shall be
effective as to any Indebtedness: (a) existing at the date of receipt of such
notice; (b) incurred or contracted by Borrower, or acquired by Bank, within
thirty (30) days after receipt of such notice; (c) now existing or hereafter
created pursuant to or evidenced by a loan agreement or commitment under which
Borrower is or may become obligated to Bank; or (d) renewals, extensions,
consolidations, substitutions, and refinancings of the foregoing. Any payment by
Guarantor with respect to the Indebtedness guaranteed shall not reduce the
maximum obligation hereunder, unless written notice to that effect be actually
received by Bank at or prior to the time of such payment. It is anticipated that
fluctuations may occur in the aggregate amount of Indebtedness covered by this
Guaranty, and it is specifically acknowledged and agreed by Guarantor that
reductions in the amount of Indebtedness, even to zero dollars ($0.00), prior to
written revocation of this Guaranty by Guarantor shall not constitute a
termination of this Guaranty. This Guaranty is binding upon Guarantor and
Guarantor's heirs, successors and assigns so long as any of the guaranteed
Indebtedness remains, but sums are available for advance.
<PAGE>

            4. Guarantor authorizes Bank, either before or after any revocation
hereof, without notice or demand and without lessening Guarantor's liability
under this Guaranty, from time to time: (a) prior to revocation as set forth
above, to make one or more additional secured or unsecured loans to Borrower, to
lease equipment or other goods to Borrower, or otherwise to extend additional
credit to Borrower; (b) to alter, compromise, renew, extend, accelerate, or
otherwise change one or more times the time for payment or other terms of the
Indebtedness or any part of the Indebtedness, including increases and decreases
of the rate of interest on the Indebtedness; extensions may be repeated and may
be for longer than the original loan term; (c) to take and hold security for the
payment of this Guaranty or the Indebtedness, and exchange, enforce, waive, fail
or decide not to perfect, and release any such security, with or without the
substitution of new collateral; (d) to release, substitute, agree not to sue, or
deal with anyone or more of Borrower's sureties, endorsers, or other guarantors
on any terms or in any manner Bank may choose; (e) to determine how, when and
what application of payments and credits shall be made on the Indebtedness; (f)
to apply such security and direct the order or manner of sale thereof, including
without limitation, any nonjudicial sale permitted by the terms of the
controlling security agreement, as Bank in its discretion may determine; (g) to
sell, transfer, assign, or grant participations in all or any part of the
Indebtedness; (h) to assign or transfer this Guaranty in whole or in part; (i)
to exercise or refrain from exercising any rights against Borrower or others, or
otherwise act or refrain from acting; (j) to settle or compromise any
Indebtedness; and (k) to subordinate the payment of all or any part of
Indebtedness of Borrower to Bank to the payment of any liabilities which may be
due Bank or others.

            5. Guarantor represents and warrants to Bank that (a) no
representations or agreements of any kind have been made to Guarantor which
would limit or qualify in any way the terms of this Guaranty; (b) this Guaranty
is executed at Borrower's request and at the request of Bank; (c) Guarantor has
not and will not, without the prior written consent of Bank, sell, lease,
assign, encumber, hypothecate, transfer, or otherwise dispose of all or
substantially all of Guarantor's assets, or any interest therein; (d) Bank has
made no representation to Guarantor as to the credit worthiness of Borrower; (e)
upon Bank's request, Guarantor will provide to Bank financial and credit
information in form acceptable to Bank, and all such financial information
provided to Bank is true and correct in all material respects and fairly
presents the financial condition of Guarantor as of the dates thereof, and no
material adverse change has occurred in the financial condition of Guarantor
since the date of the financial statements; and (f) Guarantor has established
adequate means of obtaining from Borrower on a continuing basis information
regarding Borrower's financial condition. Guarantor agrees to keep adequately
informed from such means of any facts, events, or circumstances which might in
any way affect Guarantor's risks under this Guaranty, and Guarantor further
agrees that, absent a request for information, Bank shall have no obligation to
disclose to Guarantor any information or documents acquired by Bank in the
course of its relationship with Borrower.

            6. Except as prohibited by applicable law, Guarantor waives any
right to require Bank (a) to continue lending money or to extend other credit to
Borrower; (b) to make any presentment, protest, demand, or notice of any kind
including notice of any nonpayment of the Indebtedness or of any nonpayment
related to any collateral, or notice of any action or nonaction on the part of
Borrower or Bank in connection with the Indebtedness or in connection with the
creation of new or additional loans or obligations; (c) to resort for payment or
to proceed directly or at once against any person, including Borrower or any
other guarantor; (d) to proceed directly against or exhaust any collateral held
by Bank from Borrower, any other guarantor, or any other person; (e) to give
notice of the terms, time, and place of any public or private sale of personal
property security held by Bank from Borrower or to comply with any other
applicable provisions of the Uniform Commercial Code; (f) to pursue any other
remedy within Bank's power; or (g) to commit any act or omission of any kind, or
at any time, with respect to any matter whatsoever .

If now or hereafter (a) Borrower shall be or become insolvent, and (b) the
Indebtedness shall not at all times until paid be fully secured by collateral
pledged by Borrower, Guarantor hereby forever waives and relinquishes in favor
of Bank and Borrower, and their respective successors, any claim or right to
payment Guarantor may now have or hereafter have or acquire against Borrower, by
subrogation or otherwise, so that at no time shall Guarantor be or become a
"creditor" of Borrower within the meaning of 11 U.S.C. section 547(b), or any
successor provision of the Federal bankruptcy laws.

Guarantor also waives any and all rights or defenses arising by reason of (a)
any "one action" or "anti-deficiency" law or any other law which may prevent
Bank from bringing any action, including a claim for deficiency, against
Guarantor, before or after Bank's commencement or completion of any foreclosure
action, either judicially or by

                                       2
<PAGE>

exercise of a power of sale; (b) any election of remedies by Bank which destroys
or otherwise adversely affects Guarantor's subrogation rights or Guarantor's
rights to proceed against Borrower for reimbursement, including without
limitation, any loss of rights Guarantor may suffer by reason of any law
limiting, qualifying, or discharging the Indebtedness; (c) any disability or
other defense of Borrower or of any other person, or by reason of the cessation
of Borrower's liability from any cause whatsoever, other than payment in full in
legal tender, of the Indebtedness; (d) any right to claim discharge of the
Indebtedness on the basis of impairment of any collateral for the Indebtedness;
(e) any statute of limitations, if at any time any action or suit brought by
Bank against Guarantor is commenced there is outstanding Indebtedness of
Borrower to Bank which is not barred by any applicable statute of limitations;
(f) any defenses given to guarantors at law or in equity other than actual
payment and performance of the Indebtedness; or (g) by any failure, neglect, or
omission by Bank to perfect in any manner the  collection of the
Indebtedness or the security given therefor, including the failure or omission
to seek a deficiency judgement against Borrower. If payment is made by Borrower,
whether voluntarily or otherwise, or by any third party, on the Indebtedness and
thereafter Bank is forced to remit the amount of that payment to Borrower's
trustee in bankruptcy or to any similar person under any federal or state
bankruptcy law or law for the relief of debtors, the Indebtedness shall be
considered unpaid for the purpose of enforcement of this Guaranty.

Guarantor further waives and agrees not to assert or claim at any time any
deductions to the amount guaranteed under this Guaranty for any claim of setoff,
counterclaim, counter demand, recoupment or similar right, whether such claim,
demand or right may be asserted by the Borrower, the Guarantor, or both.

            7. In the event of (i) an Event of Default as that tem1 is defined
in the Loan Agreement of even date herewith between Borrower and Bank, or (ii) a
breach of any of the covenants or agreements of Guarantor contained herein, or
(iii) a default or events of default under any loan agreement, credit agreement,
pledge agreement, guaranty, mortgage or security agreement between or among the
Borrower and/or the Bank, or a material default or events of default under any
loan agreement, credit agreement, pledge agreement, guaranty, mortgage or
security agreement between or among the Guarantor and/or the Bank, or (iv)
failure of Guarantor to pay debts as they mature, or (v) the business failure of
Borrower or Guarantor or (vi) the appointment of a receiver, trustee, custodian
or liquidator of any substantial portion of the property or assets of Borrower
or Guarantor or (vii) the commencement of any proceedings under any bankruptcy
or insolvency laws by or against Borrower or Guarantor and as to involuntary
proceedings, a failure to obtain a dismissal thereof within 90 days, or (viii)
the death of Guarantor and even if such event shall occur at a time when any of
the Indebtedness may not be due and payable, all Indebtedness shall, for the
purposes of this Guaranty Agreement, be deemed, at Bank's election and after
written notice, to be immediately due and payable.

            8. Guarantor warrants and agrees that each of the waivers set forth
above is made with Guarantor's full knowledge of its significance and
consequences and that, under the circumstances, the waivers are reasonable and
not contrary to public policy or law. If any such wavier is determined to be
contrary to any applicable law or public policy, such waiver shall be effective
only to the extent permitted by law or public policy.

                                       3
<PAGE>

            9. In addition to all liens upon and rights of setoff against the
moneys, securities or other property of Guarantor given to Bank by law, Bank
shall have, with respect to Guarantor's obligations to Bank under this Guaranty
and to the extent permitted by law, a contractual possessory security interest
in and a right of setoff against, and Guarantor hereby assigns, conveys,
delivers, pledges, and transfers to Bank all of Guarantor's right, title and
interest in and to, all deposits, moneys, securities and other property of
Guarantor now or hereafter in the possession of or on deposit with Bank, whether
held in a general or special account or deposit, whether held jointly with
someone else, or whether held for safekeeping or otherwise, excluding however
all IRA, Keogh, and trust accounts. Every such security interest and right of
setoff may be exercised without demand upon or notice to Guarantor. No security
interest or right of setoff shall be deemed to have been waived by any act or
conduct on the part of Bank or by any neglect to exercise such right of setoff
or to enforce such security interest or by any delay in so doing. Every right of
setoff and security interest shall continue in full force and effect until such
right of setoff or security interest is specifically waived or released by an
instrument in writing executed by Bank.

            10. Guarantor agrees that the Indebtedness of Borrower to Bank,
whether now existing or hereafter created, shall be prior to any claim that
Guarantor may now have or hereafter acquire against Borrower, whether or not
Borrower becomes insolvent. Guarantor hereby expressly subordinates any claim
Guarantor may have against Borrower, upon any account whatsoever, to any claim
that Bank may now or hereafter have against Borrower. In the event of insolvency
and consequent liquidation of the assets of Borrower, through bankruptcy, by an
assignment for the benefit of creditors, by voluntary liquidation, or otherwise,
the assets of Borrower applicable to the payment of the claims of both Bank and
Guarantor shall be paid to Bank and shall be first applied by Bank to the
Indebtedness of Borrower to Bank. Guarantor does hereby assign to Bank all
claims which it may have or acquire against Borrower or against any assignee or
trustee in bankruptcy of Borrower; provided however, that such assignment shall
be effective only for the purpose of assuring to Bank full payment in legal
tender of the Indebtedness. If Bank so requests, any notes or credit agreements
now or hereafter evidencing any debts or obligations of Borrower to Guarantor
shall be marked with a legend that the same are subject to this Guaranty and
shall be delivered to Bank. Guarantor agrees, and Bank hereby is authorized, in
the name of Guarantor, from time to time to execute and file financing
statements and continuation statements and to execute such other documents and
to take such other actions as Bank deems necessary or appropriate to perfect,
preserve and enforce its rights under this Guaranty.

            11. The following words shall have the following meaning when used
in this Guaranty:

            Guarantor or Guarantors shall have the meaning set out in the
preamble. GUARANTY. The word "Guaranty" means this Guaranty made by Guarantor
for the benefit of Bank dated of even date herewith. INDEBTEDNESS. The word
"Indebtedness" is used in its most comprehensive sense and means and includes
any and all of Borrower's liabilities, obligations, debts, and indebtedness to
Bank on the Note or otherwise, now existing or hereinafter incurred or created,
including, without limitation, all loans, advances, interest, costs, debts
overdraft indebtedness, credit card indebtedness, lease obligations, other
obligations, and liabilities of Borrower and any present or future judgements
against Borrower; and whether any such Indebtedness is voluntarily or
involuntarily incurred, due or not due, absolute or contingent, liquidated or
unliquidated, determined or undetermined; whether Borrower may be liable
individually or jointly with others, or primarily or secondarily, or as
guarantor or surety; whether recovery on the Indebtedness may be or may become
barred or unenforceable against Borrower for any reason whatsoever; and whether
the Indebtedness arises from transactions which may be voidable on account of
infancy, insanity, ultra vires, or otherwise. BANK. The word "Bank" means The
F&M Bank & Trust Company of Tulsa, Oklahoma, its successors and assigns. RELATED
DOCUMENTS. The word "Related Documents" mean and include without limitation all
notes, loan agreements, guaranties, security agreements, mortgages, deeds of
trust, and all other instruments, agreements and documents, whether now or
hereafter existing, executed in connection with the Indebtedness.

            12. The following miscellaneous provisions are a part of this
Guaranty:

AMENDMENTS. This Guaranty, together with any Related Documents, constitutes the
entire understanding and agreement of the parties as to the matters set forth in
this Guaranty. All prior and contemporaneous representations and discussions
concerning the subject are included in this document and the Related Documents
or do not constitute an aspect of the agreement of the parties. Except as may be
specifically set forth in this Guaranty and the Related Documents, no conditions
precedent or subsequent, of any kind whatsoever, exist with respect to
Guarantor's obligations under this Guaranty. No alteration of or amendment to
this Guaranty shall be effective unless given in writing and signed by the party
or parties sought to be charged or bound by the alteration or amendment.

                                       4
<PAGE>

APPLICABLE LAW. This Guaranty has been delivered to Bank and accepted by Bank in
the State of Oklahoma. If there is a lawsuit, Guarantor agrees upon Bank's
request to submit to the jurisdiction of the courts of Oklahoma County, State of
Oklahoma. This Guaranty shall be governed by and construed in accordance with
the laws of the State of Oklahoma.

ATTORNEYS' FEES; EXPENSES. Guarantor agrees to pay upon demand all of Bank's
reasonable costs and expenses, including reasonable attorneys' fees and Bank's
reasonable legal expenses, incurred in connection with the enforcement of this
Guaranty. Bank may pay someone else to help enforce this Guaranty, and Guarantor
shall pay the reasonable costs and expenses of such enforcement. Costs and
expenses include Bank's reasonable attorneys' fees and legal expenses whether or
not there is a lawsuit, including reasonable attorneys' fees and legal expenses
for bankruptcy proceedings (and including efforts to modify or vacate any
automatic stay or injunction), appeals, and any anticipated post-judgment
collection services. Guarantor also shall pay all court costs and such
additional fees as may be directed by the court.

NOTICES. Except for revocation notices by Guarantor, all notices required to be
given by either party to the other under this Guaranty shall be in writing and
shall be delivered either personally, by overnight courier, or by United States
mail (postage prepaid), addressed to the intended recipient at the address shown
above or to such other addresses as either party may designate to the other in
writing and shall be effective on the date of actual delivery . All revocation
notices by Guarantor shall be in writing and shall be effective only upon actual
delivery to Bank as provided above in the section set out above. For notice
purposes, Guarantor agrees to keep Bank informed at all times of Guarantor's
current address.

INTERPRETATION. The words "Guarantor," "Borrower," and "Bank" include the heirs,
successors, assigns, and transferees of each of them. Caption headings in this
Guaranty are for convenience purposes only and are not to be used to interpret
or define the provisions of this Guaranty. If a court of competent jurisdiction
finds any provision of this Guaranty to be invalid or unenforceable as to any
person or circumstance, such finding shall not render that provision invalid or
unenforceable as to any other persons or circumstances, and all provisions of
this Guaranty in all other respects shall remain valid and enforceable. It is
not necessary for Bank to inquire into the powers of Borrower or Guarantor or of
the officers, directors, partners, or agents acting or purporting to act on
their behalf, and any Indebtedness made or created in reliance upon the
professed exercise of such powers shall be guaranteed under this Guaranty.

WAIVER. Bank shall not be deemed to have waived any rights under this Guaranty
unless such waiver is given in writing and signed by Bank. No delay or omission
on the part of Bank in exercising any right shall operate as a waiver of such
right or any other right. A waiver by Bank of a provision of this Guaranty shall
not prejudice or constitute a waiver of Bank's right otherwise to demand strict
compliance with that provision or any other provision of this Guaranty. No prior
waiver by Bank, nor any course of dealing between Bank and Guarantor, shall
constitute a waiver of any of Bank's rights or of any of Guarantor's obligations
as to any future transactions. Whenever the consent of Bank is required under
this Guaranty, the granting of such consent by Bank in any instance shall not
constitute continuing consent to subsequent instances where such consent is
required and in all cases such consent may be granted or withheld in the sole
discretion of Bank.

            DATED EFFECTIVE THIS 11 DAY OF DECEMBER, 2001.

                                       GUARANTOR:

                                       /s/ Paul A. Kruger
                                       -----------------------------------
                                       Paul A. Kruger

                                       5

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