Document:

<PAGE>

                                                                   EXHIBIT 10(Y)

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[LOGO] M&T Real Estate, Inc.                                       MORTGAGE NOTE
--------------------------------------------------------------------------------

Syracuse, New York          September 28, 2000, 199__                $850,000.00
--------                    ------------------                       -----------

BORROWER: Griffin Environmental Company, Inc.
          -----------------------------------
a(n) [_] individual(s) [_] partnership [X] corporation [_] trust [_] limited
liability company [_] ________________ organized under the laws of the State of
New York  Address of residence/chief executive office: 7066 Interstate Island
--------                                               ----------------------
Road, Syracuse, NY 13209
------------------------

LENDER: M&T REAL ESTATE, INC., One Fountain Plaza, Buffalo, New York 14203-2399.

Promises to Pay. For value received, the undersigned Borrower promises to pay to
the order of the Lender at its office identified above in lawful money of the
United States and in immediately available funds, the sum of EIGHT HUNDRED FIFTY
                                                             -------------------
THOUSAND DOLLARS and 00/100 DOLLARS ($850,000.00) (the "Principle Sum") plus
---------------------------         -------------
interest on the unpaid portion of the Principal Sum, all amounts if any required
for an escrow against taxes and other charges pursuant to the Mortgage defined
below (the "Escrow"), and all Expenses (defined below).

Interest. The Borrower shall pay to the Lender interest, calculated on the basis
of a 360-day year consisting of twelve (12) 30-day months, on the outstanding
Principal Sum from and including the date of this Note to, but not including,
the Maturity Date at a rate per year that on each day shall be

      [X]   10.39% per annum.
            -----

      [_]   _____% above the rate in effect as the rate announced by
            Manufacturers and Traders Trust Company, as its prime rate of
            interest on the first day of the calendar month containing such day.

      [_]   _____% above LIBOR for a [_] one month period, [_] two month period,
            [_] three month period or [_] six month period. If no period is
            specified, a one month period shall be used. LIBOR is defined in
            Rider B attached hereto and made a part of this Note by this
            reference.

      [_] See Rider C attached hereto and made part of this Note by reference.

If no rate is specified, interest shall accrue at the Maximum Legal Rate defined
below, fixed as of the date of disbursement.

Maximum Legal Rate. It is the intent of the Lender and the Borrower that in no
event shall such interest be payable at a rate in excess of the maximum rate
permitted by applicable law (the "Maximum Legal Rate"). If this Note is for a
personal loan of less than $2,5000,000 and is secured primarily by a one- to
four-family residence, the interest rate shall not exceed 16%. Solely to the
extent necessary to prevent interest under this Note from exceeding the Maximum
Legal Rate, any amount that would be treated as excessive under a final judicial
interpretation of applicable law shall be deemed to have been a mistake and
automatically cancelled and if received by the Lender shall be refunded to the
Borrower.

<PAGE>

Default Rate. Upon and after the Maturity Date or the occurrence or existence of
an Event of Default under the Mortgage, the interest rate on the unpaid
Principal Sum shall be increased to 3% per year above the otherwise applicable
rate per year, effective as of the date of the default or maturity. No failure
to impose or delay in imposing this Default Rate shall be construed as a waiver
by the Lender of its right to collect interest at the Default Rate for the
period from the Maturity Date or the commencement of the default, as applicable,
to but not including the earlier of the date (a) the default is cured to the
satisfaction of the Lender in its sole discretion or (b) this Note is paid in
full.

                *the first day of the first full month following

Term. The term of this Note is 5 years from the date of issue. The Maturity Date
                               -
is October 1, 199  / 2005.
   ---------     --    --

Repayment of Principal and Interest. The Borrower shall pay the Principal Sum
and interest owing pursuant to this Note to the Lender in installments as
follows:

    (1) one installment of interest payable on the date of this Note equal in
        amount to the interest which will accrue during the period beginning on
        the date of this Note and ending on the last calendar day of the same
        month and year;

[_]     (2) _________ consecutive monthly installments of principal each in the
        amount of $_______ shall become due and payable on the first day of each
        month commencing on _________, 199_; with an equal number of
        installments of interest in amounts which may vary, which shall become
        due and payable on the first day of each such month;

        OR

[X]     (2) 60 consecutive level monthly installments consisting of both
            --
        principal and interest amortized over a period of 10 years, each
                                                          --
        installment being in the amount of $11,417.18, shall become due and
                                           ----------
        payable on the first day of each month commencing on November 1, 2000,
                                                             ----------------
        199__. If the Borrower elects a variable interest rate and there is a
        change in such interest rate, the remaining consecutive level monthly
        installments consisting of both principal and interest may be adjusted
        to reflect such change in the interest rate.

        OR

[_] (2) See Rider C attached hereto and made part of this Note by reference.

        AND

    (3) one final installment of principal, interest, premiums and Expenses to
        become due on the Maturity Date and to be equal to the total of the
        outstanding Principal Sum and all accrued and unpaid interest, premiums
        and all other amounts owing pursuant to this Note and the Mortgage and
        remaining unpaid.

Late Charge. If the Borrower fails to pay the whole or any installment of
principal or interest owing pursuant to this Note or Escrow payment owing
pursuant to the Mortgage within ten days of its due date, the Borrower shall

<PAGE>

immediately pay to the Lender a late charge equal to six percent (6%) of the
delinquent amount.

Application of Payments. Each payment pursuant to this Note shall be applied
first to accrued and unpaid interest, next to Principal, next to the Escrow,
next to late charges, and finally to Expenses.

Prepayment. See Rider A attached to and made part of this Note by this
reference.

Events of Default; Acceleration. This Note is secured by a mortgage dated on or
about the date of this Note [or on _____________], executed by the Borrower [or
by __________ (if Mortgagor is not Borrower)] (the "Mortgage") and is entitled
to the benefits thereof. An Event of Default under the Mortgage is an Event of
Default under this Note. All amounts under this Note shall become immediately
due and payable without any notice, demand, presentment or protest of any kind
(each of which is waived by the Borrower) (a) automatically, if the Borrower or
Mortgagor or any guarantor commences any bankruptcy or insolvency proceeding, if
voluntary, and upon the lapse of 30 days without dismissal if involuntary, (b)
at the sole option of the Lender, upon or at any time or from time to time after
the occurrence or existence of any other event or condition specified in the
Mortgage as an Event of Default and the passage of any applicable grace period,
and (c) at the sole option of the Lender, upon or at any time after the Maturity
Date, regardless of whether the Lender has accepted any partial payments after
the Maturity Date.

Right of Setoff. If an Event of Default occurs, the Lender or its agents shall
have, in addition to its other rights, the right to set off against the amounts
owing under this Note any deposit account or other property held by the Lender,
its agents or affiliates in any capacity for the Borrower, Mortgagor or any
guarantor. Such right of setoff shall be deemed to have been exercised
immediately at the time of such election.

                                                                  MRE-014 (6/97)

<PAGE>

Expenses. The Borrower shall pay to the Lender or its agents on demand each cost
and expense (including, but not limited to, the reasonable fees and
disbursements of counsel to the Lender or its agents, whether internal or
external and whether retained for advice, for litigation or for any other
purpose) incurred by the Lender or its agents either directly or indirectly in
connection with this Note including, without limitation endeavoring to (1)
collect any amount owing pursuant to this Note or negotiate or document a
workout or restructuring, (2) enforce or realize upon any guaranty, endorsement
or other assurance, any collateral or other security, or any subordination,
directly or indirectly securing or otherwise directly or indirectly applicable
in any such amount or (3) preserve or exercise any right or remedy of the Lender
or its agents pursuant to this Note (the "Expenses").

Joint and Several. If the Borrower is more than one legal person, each such
person is jointly and severally liable for all amounts which become due under
this Note and the term "Borrower" shall include each as well as all of them.

Cumulative Nature of the Lender's Rights and Remedies. All rights and remedies
of the Lender under applicable law, this Note, the Mortgage or any related
security agreement, guaranty or other document if any, are cumulative and not
exclusive. No single, partial or delayed exercise by the Lender or its agents of
any right or remedy shall preclude subsequent exercise by the Lender or its
agents at any time of any right or remedy of the Lender without notice. No
course of dealing or other conduct, no oral agreement or representation made by
the Lender or its agents or usage of trade shall operate as a waiver of any
right or remedy of the Lender.

Miscellaneous. This Note, with the Mortgage and any related security agreements,
guaranties or other documents, if any, contains the entire agreement between the
Lender and the Borrower with respect to the Note and Mortgage, and supersedes
every course of dealing, other conduct, oral agreement and representation
previously made by the Lender or its agents in their capacity as agents for the
Lender. No amendment or waiver of any provision of this Note shall be effective
unless specifically agreed to in writing by the Lender and the Borrower. As to
any notice by the Borrower to the Lender with regard to this Note or any
document executed in connection herewith, such notice shall not be considered
valid if sent by electronic communication (e.g., e-mail). This Note shall be
governed by the laws of the State of New York, without regard to its principles
of conflict of laws. This Note is a binding obligation enforceable against the
Borrower and its successors and assigns and shall inure to the benefit of and be
enforceable by the Lender and its successors, assigns and its agents. References
to the Lender's agent shall include, without limitation, Manufacturers and
Traders Trust Company. If a court deems any provision of this Note invalid, the
remainder of the Note shall remain in effect. Section headings are for
convenience only. Singular number includes plural and neuter gender includes
masculine and feminine as appropriate.

Borrower's Waivers and Consents. In any action or other legal proceeding
relating to this Note, the Borrower (1) consents to the personal jurisdiction of
any State or federal court located in the State of New York and (2) agrees that
in any legal proceeding, a copy of this Note kept in the Lender's course of
business may be admitted into evidence as an original.

TRIAL BY JURY. THE BORROWER AND THE LENDER EACH WAIVE ANY RIGHT TO TRIAL BY JURY
IN ANY ACTION IN CONNECTION WITH THIS NOTE.

[_]   This Note is given in replacement of and in substitution for, but not in
      payment of, a note dated _______________, 19__, in the original, principal
      amount of $__________ issued by the Borrower (or __________) to the Lender
      (or its predecessor in interest).

Preauthorized Transfers from Deposit Account. If a deposit number is provided in
the following blank, the Borrower hereby authorizes the Lender to debit the
Borrower's deposit account #______________ with the Manufacturers and Traders
Trust Company automatically for the full amount of each payment which becomes
due under this Note.

Tax ID # 16-0877949                     GRIFFIN ENVIRONMENTAL COMPANY, INC.
         ----------                     -----------------------------------

                                      BY: /s/ Thomas Graziano
                                        ----------------------------------------
                                        Thomas Graziano, President

<PAGE>

STATE OF New York )
         --------
                   :SS.
COUNTY OF Onondaga)
          --------

On the 28th day of September, 2000, before me personally came Thomas Graziano
       ----        ---------------                            ---------------

[_] Individual(s)       to me known and known to me to be the person(s)
                        described in and who executed the above instrument,
                        and _he (they jointly and severally) acknowledged to
                        me that _he (they) executed the same.

[_] Partnership         to me known and known to me to be a general partner of
                        the partnership described in and which executed the
                        above instrument, and _he duly acknowledged to me that
                        _he executed the above instrument for and on behalf of
                        said partnership.

[X] Corporation         to me known, who, being by me duly sworn, did depose
                        and say that _he resides at____________________________
                        __________________________________ that _he is the
                        President of Griffin Environment Company, Inc., the
                        ----------------------------------------------
                        corporation described in and which executed the above
                        instrument and the _he signed his (her) name thereto by
                        order of the board of directors of said corporation.

[_] Trust or Estate     to me known to be the [executor of the last Will and
                        testament of] [administrator of the goods, chattels and
                        credits of] ____________________, late of
                        ____________________ County, State of __________,
                        deceased; or Trustee of/under ________________________
                        of the __________________ [Town, etc.] of
                        ___________________, New York; and known to me to be the
                        person described in and who executed the foregoing
                        instrument and acknowledged that _he executed the same
                        as such [executor or administrator or trustee].

[_] LLC                 to me known, who, being duly sworn, did depose and say
                        that _he resides at ________________; that _he is the
                        _______________ of the limited liability company
                        described in and which executed the above instrument;
                        and that _he signed his (her) name thereto by order of
                        the members/managers of said limited liability company.

                                        /s/ Nancy Farrell Hussey
                                        ----------------------------------------
                                        Notary Public

                                        My commission expires __________________

                                                     NANCY FARRELL HUSSEY
                                               Notary Public, State of New York
                                                        No. 02HU6023017
                                                  Qualified in Cayuga County
                                              Commission Expires, April 30, 2001

                              FOR INTERNAL USE ONLY

Authorization Confirmed: /s/ [ILLEGIBLE]
                         -------------------------------------------------------

                                                                  MRE-014 (6/97)

<PAGE>

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[LOGO] M&T Real Estate, Inc.
--------------------------------------------------------------------------------

                                   RIDER A TO

                                  MORTGAGE NOTE

                               (Yield Maintenance)

           Rider A to Mortgage Note dated September      , 1999/2000
                                          ---------------
                in the Original Principal Amount of $850,000.00
                                                    -----------
              and Executed by Griffin Environmental Company, Inc.
                              -----------------------------------

Prepayment Premium. During the term of this Note, the Borrower shall have the
option of paying the Principal Sum to the Lender in advance of the Maturity
Date, in whole or in part, at any time and from time to time upon written notice
received by the Lender at least thirty (30) days prior to making such
prepayment; provided, however, that together with such prepayment, the Borrower
shall pay to the Lender, as consideration of the privilege of making such
prepayment, a premium equal to the greater of (a) one percent (1%) of the
Principal Sum prepaid, or (b) an amount equal to the present value of the
difference between (i) the amount of interest that would have accrued on the
Principal Sum during the remaining term of the Note, at the interest rate set
forth in Note in effect on the date of prepayment and (ii) the amount of
interest that would have accrued on the Principal Sum during the remaining term
of the Note at the Current Market Rate.

Upon making any prepayment of the Principal Sum in whole, the Borrower shall pay
to the Lender all interest and Expense owing pursuant to this Note and remaining
unpaid. Each partial prepayment of the Principal Sum shall be applied in inverse
order of maturity. In the event the Maturity Date of this Note is accelerated
following an Event of Default, any tender of payment of the amount necessary to
satisfy the entire indebtedness made after such Event of Default shall be
expressly deemed a voluntary prepayment. In such a case, to the extent permitted
by law, the Lender shall be entitled to the amount necessary to satisfy the
entire indebtedness, plus the appropriate prepayment premium calculated in
accordance with this Rider.

 . "Current Market Rate" shall mean the most recent yield on United States
Treasury Obligations adjusted to a constant maturity having a term most nearly
corresponding to the term remaining from the date of prepayment to the Maturity
Date, in effect two (2) business days prior to the prepayment date as published
by the Board of Governors of the Federal Reserve System in the Federal Reserve
Statistical Release H.15 (519), or by such other quoting service, index or
commonly available source utilized by Manufacturers and Traders Trust Company.

 . "Present Value" calculation shall use the Current Market Rate as the discount
rate and shall be calculated as if each installment of the Principal Sum had
been made during the remaining term of the Note.

                                        GRIFFIN ENVIRONMENTAL COMPANY, INC.
                                        ----------------------------------------

                                   BY:  /s/ Thomas Graziano
                                        ----------------------------------------
                                        Thomas Graziano, President

MRE-004 (8/99)<PAGE>

                                                                   EXHIBIT 10(Z)

Borrower: ANDERSEN 2000 INC
          ----------------------------------------------------------------------

Account Number: 954-0502843                     Note Number: 00001
                ------------------------                     -------------------

Address: 306 DIVIDEND DR                        NEWNAN                 , Georgia
         -------------------------------        -----------------------
         PEACHTREE CITY, GA 30269               Date: AUGUST 27, 2001
         -------------------------------              --------------------------

                                      BB&T

                                 PROMISSORY NOTE

THE UNDERSIGNED REPRESENTS THAT THE LOAN EVIDENCED HEREBY IS BEING OBTAINED FOR
BUSINESS/COMMERCIAL OR AGRICULTURAL PURPOSES. For value received, the
undersigned, jointly and severally, if more than one, promises to pay BRANCH
BANKING AND TRUST COMPANY, a North Carolina banking corporation (the "Bank"), or
order, at any of Bank's offices in the above referenced city for such other
place or places that may be hereafter designated by Bank), the sum of
                     FIVE HUNDRED THOUSAND DOLLARS & 00/100
--------------------------------------------------------------------------------
Dollars ($500,000.00), in immediately available coin or currency of the United
         -----------
States of America. [_] Borrower shall pay a prepayment penalty as set forth in
the Prepayment Penalty Addendum attached hereto.

Interest shall accrue from the date hereof on the unpaid balance outstanding
from time to time at the:

[_]   Fixed rate of _____________% per annum.

[X]   Variable rate of the Bank's Prime Rate plus 0.75% per annum to be adjusted
                                                  -----
      Daily as the Bank's Prime Rate changes. If checked here [_], the interest
      -----
      rate will not exceed a(n) [_] fixed [_] average minimum rate
      of ________________% of a [_] floating maximum rate of the greater
      of _____________% or the Bank's Prime Rate; and the interest rate will not
      decrease below a fixed minimum rate of ____________%. If an average
      maximum rate is specified, a determination of any required reimbursement
      of interest by Bank will be made: [_] when Note is repaid in full by
      Borrower [_] annually beginning on __________________________________.

[_]   Fixed rate of __________________% per annum through ____________________
      which automatically converts on ____________________ to a variable rate
      equal to the Bank's Prime Rate plus _______________________% per annum
      which shall be adjusted _____________________ as such Prime Rate changes.

[_]   --------------------------------------------------------------------------

      Principal and interest is payable as follows

<TABLE>
<S>                                                                                <C>
[_]   Principal (plus any accrued interest not otherwise scheduled herein)         )
                                                                                   )is due in full at maturity on ____________.
[_]   Principal plus accrued interest                                              )

[X]   Payable in consecutive Monthly installments of [_] Principal                 )
                             -------                                               )commencing on SEPTEMBER 27, 2001
                                                     [X] Principal and interest    )              ------------------

</TABLE>

       and continued on the same day each calendar period thereafter, in 34
                                                                         --
       equal payments of $10,300.00, with one final payment of all remaining
                         ----------
       principal and accrued interest due on JULY 27, 2004.
                                             -------------
[_]    ChoiceLine Payment Option: 2% of outstanding balance is payable monthly
       commencing on _________________ and continuing on the same day of each
       calendar period thereafter, with one final payment of all remaining
       principal and accrued interest due on ______________.

[_]    Accrued interest is payable ____________ commencing on _________________
       and continuing on the same day of each calendar period thereafter, with
       one final payment of all remaining interest due on ___________.

[_]    Bank reserves the right in its sole discretion to adjust the fixed
       payment due hereunder ______________ on ________________ and continuing
       on the same day of each calendar period thereafter, in order to maintain
       an amortization period of no more than _______ months from the date of
       this Note. Borrower understands the payment may increase if interest
       rates increase.

[_]    Prior to an event of default, Borrower may borrow, repay, and reborrow
       hereunder pursuant to the terms of the Loan Agreement, hereinafter
       defined.

[_]    ------------------------------------------------------------------------.

[_]    Borrower hereby authorizes Bank to automatically debit from its demand,
       deposit or savings account(s) with Bank, any payment(s) due under this
       Note on the date(s) due.

        In addition, the undersigned promises to pay to Bank, or order, a late
fee in the amount of five percent (5%) of any installment past due for ten (10)
or more days. When any installment payment is past due for fifteen (15) or more
days, subsequent payments shall first be applied to the past due balance. All
interest shall be computed and charged for the actual number of days elapsed on
the basis of a year consisting of three hundred sixty (360) days. In the event
periodic accruals of interest shall exceed any periodic fixed payment amount
described above, the fixed payment amount shall be immediately increased, or
additional supplemental interest payments required on the same periodic basis as
specified above (increased fixed payments or supplemental payments to be
determined in the Bank's sole discretion), in such amounts and at such times as
shall be necessary to pay all accruals of interest for the period and all
accruals of unpaid interest from previous periods. Such adjustments to the fixed
payment amount or supplemental payments shall remain in effect for so long as
the interest accruals shall exceed the original fixed payment amount and shall
be further adjusted upward or downward to reflect changes in the variable
interest rate. In no event shall the fixed payment amount be reduced below the
original fixed payment amount specified above.

        This Note ("NOTE") is given by the undersigned in connection with the
following agreements (if any) between the undersigned and the Bank:

Security Deed granted in favor of Bank as grantee:

[X]   dated AUGUST 27, 2001 in the maximum principal amount of $700,000.00
            ---------------                                    -----------
      granted by ANDERSEN 2000 INC, CROWN ANDERSEN INC
                 -------------------------------------
[_]   dated _____________ in the maximum principal amount of $_________________

      granted by_______________________________________________________________

<PAGE>
Security Agreement(s) granting a security interest to Bank:

[_]   dated ____________________ given by _____________________________________

      _________________________________________________________________________.

[_]   dated ____________________ given by _____________________________________.

      _________________________________________________________________________.

[_]   Securities Account Pledge and Security Agreement dated___________________,
      executed by _____________________________________________________________.

<TABLE>
<S>                                                         <C>                           <C>
[_]   Control Agreement(s) dated _______________, covering  [_] Deposit Account(s)        [_] Investment Property
                                                            [_] Letter of Credit Rights   [_] Electronic Chattel Paper

</TABLE>

[_]   Assignment of Certificate of Deposit, Security Agreement, and Power of
      Attorney (for Certificated Certificates of Deposit)
      dated ____________________, executed by _________________________________

      _________________________________________________________________________.

[_]   Pledge and Security Agreement for Publicly Traded Certificated Securities
      dated ______________________________, executed by _______________________.

[_]   Assignment of Life Insurance Policy as Collateral dated _________________,
      executed by _____________________________________________________________.

[X]   Loan Agreement dated AUGUST 27, 2001, executed by Borrower and
                           ---------------
      [X] Guarantor(s).

[_]   _________________________________________________________________________.

All of the terms, conditions and covenants of the above described agreements
(the "Agreements") are expressly made a part of this Note by reference in the
same manner and with the same effect as if set forth herein at length and any
holder of this Note is entitled to the benefits of and remedies provided in the
Agreements and any other agreements by and between the undersigned and the Bank.

      No delay or omission on the part of the holder in exercising any right
hereunder shall operate as a waiver of such right or of any other right of such
holder, nor shall any delay, omission or waiver on any one occasion be deemed a
bar to or waiver of the same or of any other right on any future occasion. Every
one of the undersigned and every endorser or guarantor of this note regardless
of the time, order or place of signing waives presentment, demand, protest and
notices of every kind and assents to any one or more extensions or postponements
of the time of payment or any other indulgences, to any substitutions, exchanges
or releases of collateral if at any time there be available to the holder
collateral for this note, and to the additions or releases of any other parties
or persons primarily or secondarily liable.

      The failure to pay any part of the principal or interest when due on this
Note or to fully perform any covenant, obligation or warranty on this or on any
other liability to the Bank by any one or more of the undersigned, by any
affiliate of the undersigned (as defined in 11USC Section (101) (2)), or by any
guarantor or surety of this Note (said affiliate, guarantor, and surety are
herein called Obligor; or if any financial statement or other representation
made to the Bank by any of the undersigned or any Obligor shall be found to be
materially incorrect or incomplete; or in the event the default pursuant to any
of the Agreements or any other obligation of any of the undersigned or any
Obligor in favor of the Bank; or in the event the Bank demands that the
undersigned secure or provide additional security for its obligations under this
Note and security deemed adequate and sufficient by the Bank is not given when
demanded; or in the event one or more of the undersigned or any Obligor shall
die, terminate its existence, allow the appointment of a receiver for any part
of its property, make an assignment for the benefit of creditors, or where a
proceeding under bankruptcy or insolvency laws is initiated by or against any of
the undersigned or any Obligor; or in the event the Bank should otherwise deem
itself, its security interest, or any collateral unsafe or insecure; or should
the Bank in good faith believe that the prospect of payment or other performance
is impaired; or if there is an attachment, execution, or other judicial seizure
of all or any portion of the Borrower's or any Obligor's assets, including an
action or proceeding to seize any funds on deposit with the Bank, and such
seizure is not discharged within 20 days; or if final judgment for the payment
of money shall be rendered against the Borrower or any Obligor which is not
covered by insurance and shall remain undischarged for a period of 30 days
unless such judgment or execution thereon is effectively stayed; or the
termination of any guaranty agreement given in connection with this Note, then
any one of the same shall be a material default hereunder and this Note and
other debts due the Bank by any one or more of undersigned shall immediately
become due and payable without notice, at the option of the Bank. From and after
any event of default hereunder, interest shall accrue on the sum of the
principal balance and accrued interest then outstanding at the variable rate
equal to the Bank's Prime Rate plus 5% per annum ("Default Rate"), provided that
such rate shall not exceed at any time the highest rate of interest permitted by
the laws of the State of Georgia; and further provided that such rate shall
apply after judgement, in the event of any default, the then remaining unpaid
principal amount and accrued but unpaid interest then outstanding shall bear
interest at the Default Rate called for hereunder until such principal and
interest have been paid in full. In addition, upon default, the Bank may pursue
its full legal remedies at law or equity, and the balance due hereunder may be
charged against any obligation of the Bank to any party including any Obligor.
Bank shall not be obligated to accept any check, money order, or other payment
instrument marked "payment in full" on any disputed amount due hereunder, and
Bank expressly reserves the right to reject all such payment instruments.
Borrower agrees that tender of its check or other payment instrument so marked
will not satisfy or discharge its obligation under this Note, disputed or
otherwise, even if such check or payment instrument is inadvertently processed
by Bank unless in fact such payment is in fact sufficient to pay the amount due
hereunder.

      The term "Prime Rate," if used herein, means the rate of interest per
annum announced by the Bank from time to time and adopted as its Prime Rate.
Bank lends at rates above and below the Prime Rate, and the Prime Rate is one of
several rate indexes employed by the Bank when extending credit. Any change in
the interest rate resulting from a change in the Bank's Prime Rate shall become
effective as of the opening of business on the effective date of the change. If
this Note is placed with an attorney for collection, the undersigned agrees to
pay, in addition to principal and interest, all costs of collection and
reasonable attorneys' fees. All obligations of the undersigned and of any
Obligor shall bind his heirs, executors, administrators, successors, and/or
assigns. Use of the masculine pronoun herein shall include the feminine and the
neuter, and also the plural. If more than one party shall execute this Note, the
term "undersigned" as used herein shall mean all the parties signing this Note
and each of them, and all such parties shall be jointly and severally obligated
hereunder. Wherever possible, each

<PAGE>
provision of this Note shall be interpreted in such a manner to be effective and
valid under applicable law, but if any provision of this Note shall be
prohibited by or invalid under such law, such provision shall be ineffective but
only to the extent of such prohibition or invalidity, without invalidating the
remainder of such provision or the remaining provisions of this Note. All of the
undersigned hereby waive all exemptions and homestead laws. The proceeds of the
loan evidenced by this Note may be paid to any one or more of the undersigned.

      From time to time, at the Bank's option, the maturity date of this Note
may be extended, or this Note maybe renewed in whole or in part, or a new note
of different form may be substituted for this Note, or the rate of interest may
be modified, or changes may be made in consideration of loan extensions, and the
holder hereof, from time to time may waive or surrender, either in whole or in
part any rights, guarantees, secured interest, or loans, given for the benefit
of the holder in connection with the payment and the securing payment of this
Note; but no such occurrence shall in any manner affect, limit, modify, or
otherwise impair any rights, guaranties or security of the holder not
specifically waived, released, or surrendered in writing, nor shall the
undersigned makers, or any guarantor, endorser, or any person who is or might be
liable hereon, either primarily or contigently, be released from such event. The
holder hereof, from time to time, shall have the unlimited right to release any
person who might be liable hereon, and such release shall not affect or
discharge the liability of any other person who is or might be liable hereon. No
waivers and modifications shall be valid unless in writing and signed by the
Bank. The Bank may, at its option, charge any fees for the modification,
renewal, extension, or amendment of any of the terms of the note permitted by
applicable law. In case of a conflict between the terms of this Note and the
Loan Agreement, or the Commitment Letter issued in connection herewith, the
priority of controlling terms shall be first this Note, then the Loan Agreement,
and then the Commitment Letter. This Note shall be governed by and construed in
accordance with the laws of Georgia in connection with any foreclosure or
enforcement proceeding undertaken in connection with the Borrower's property
situated in Georgia. Time is of the essence of this instrument.

Borrower agrees that the only interest charge is the interest actually stated in
this Note, and that any loan or origination fee shall be deemed charges other
than interest, which charges are fully earned and non-refundable. It is further
agreed that any late charges are not a charge for the use of money but are
imposed to compensate Bank for some of the administrative services, cost and
losses associated with any deliquency or default under this Note, and said
charges shall be fully earned and non-refundable when accrued. All other charges
imposed by Bank upon Borrower in connection with this Note and the loan
including without limitation, any commitment less, loan fees, facility fees,
origination fees, discount points, default and late charges, prepayment fees,
statutory attorney's fees and reimbursements for costs and expenses paid by Bank
to third parties or for damages incurred by Bank are and shall be deemed to be
charges made to compensate Bank for underwriting and administrative services and
costs, other services, and costs or losses incurred and to be incurred by Bank
in connection with this Note and the loan shall under no circumstances be deemed
to be charges for the use of money. All such charges shall be fully earned and
non-refundable when due. This paragraph is executed for the purpose of
clarifying the status of charges of the Loan for purpose of O.C.G.A. Sec.
7-4-2(a) and (a)(3).

It is the intention of Bank and Borrower to conform strictly to the usury laws
now or hereafter in effect, and any interest payable hereunder shall be subject
to reduction to the amount in excess of the maximum non-usurious amount allowed
under applicable usury laws now or hereafter construed by courts having
jurisdiction over such matters. If the maturity of this Note is accelerated by
reason of any provision of this Note or by reason of voluntary prepayment by the
undersigned, or otherwise, then earned interest may never include more than the
maximum amount permitted by law, computed from the date of each advance of the
loan proceeds hereunder until payment, and any interest in excess of the maximum
amount permitted by law shall be cancelled automatically and, if paid, shall at
the option of Bank, if allowed by applicable law, either be rebated to Borrower
or credited on the principal amount of this Note, or if all principal has
heretofor been repaid, then the excess shall be rebated to Borrower.

--------------------------------------------------------------------------------

                      CREDIT LIFE AND DISABILITY INSURANCE

Subject to certain underwriting criteria and limitations, INDIVIDUAL BORROWERS
AND ADDITIONAL CO-MAKERS HAVE THE RIGHT TO REQUEST CREDIT LIFE AND DISABILITY
INSURANCE PROTECTION FOR THIS LOAN. One or two Borrowers/Co-makers may be
covered by BB&T Credit Life Insurance and one Borrower/Co-maker may be covered
by BB&T Credit Disability Insurance. However, the purchase of credit life and
credit disability insurance from the Bank is not a condition of obtaining this
loan.

      I, the undersigned, desire the credit insurance with the cost and terms
      described below and promise to pay the premium of such insurance coverage.
      I understand that I may cancel this credit insurance at any time. I
      represent that, to the best of my knowledge, I am in good health and am
      insurable.

<TABLE>
<S>                                      <C>
[_]   Product 1: Complete the following: [_] Fidelity Security Insurance Company Flex Plan (Complete separate application)
</TABLE>
<TABLE>
<S>                                    <C>                 <C>             <C>                 <C>             <C>

CREDIT LIFE INSURANCE                  Effective Date      Term in Mos.    Amount Financed     Interest Rate   Credit Life Premium

[_]   Single    [_]   Level

[_]   Joint     [_]   Decreasing                                             $500,000.00            7.50         $
                                       --------------      -----------     ---------------     -------------     -------------------
</TABLE>
<TABLE>
<S>                                     <C>                                   <C>
CREDIT DISABILITY INSURANCE             Monthly Benefit Amount                Credit Disability Premium
Effective Date and Terms in Mos.
Same as Credit Life Insurance Above

                                      $                                      $
---------------------------------      -----------------------------------    --------------------------------------

</TABLE>

Credit Disability Insurance is subject to a 14-day elimination period and a
60-month maximum benefit period. Only the Borrower or Co-Maker who signs the
first line under "Signature(s) of Insured" is covered by Credit Disability
Insurance.

Date of Birth   Signature(s) of Insured         Total Credit Life and Disability
                                                       Insurance Premium

--------------- ------------------------------
                Signature of Primary Insured

                                                 $
--------------- -------------------------------  ---------------------------
                Signature of Secondary Insured

--------------------------------------------------------------------------------

                         (SIGNATURES ON FOLLOWING PAGE)

<PAGE>

                                      BB&T

                         PROMISSORY NOTE SIGNATURE PAGE

Borrower: ANDERSEN 2000 INC
          ----------------------------------------------------------------------
Account Number: 954-0502843                     Note Number: 00001
                -----------                                  -----
Note Amount: 500,000.00                         Date: AUGUST 27, 2001
             ----------                               ---------------
Notice of Right to Copy of Appraisal: If a 1-4 family residential dwelling is
------------------------------------
pledged as collateral for this Note, you, the undersigned, have a right to a
copy of the real estate appraisal report used in connection with your
application for credit. If you wish to receive a copy, please notify in writing
the branch office where you applied for credit. You must forward your request to
the Bank no later than 90 days after the date of this Note. In your request
letter, please provide your name, mailing address, appraised property address,
the date of this Note, and the Account and Note Numbers shown on the front of
this Note.

IN WITNESS WHEREOF, the undersigned, on the day and year first written above,
has caused this note to be executed under seal.

                          If Borrower is a Corporation:

ATTEST: /s/ Randall H. Morgan                   ANDERSEN 2000 INC
        ----------------------------         -----------------------------------
        RANDALL H. MORGAN                    NAME OF CORPORATION

Title: SECRETARY                             By: /s/ Jack D. Brady
       -----------------------------             -------------------------------
                                                 JACK D. BRADY

                                             Title: PRESIDENT
                                                    ----------------------------
Corporation
Seal

(Affix seal or insert name of corporation
in seal to adopt as seal of Borrower)
                                             By: /s/ Randall H. Morgan
                                                 -------------------------------
                                                 RANDALL H. MORGAN

WITNESS:

/s/ Jean I. Shelton                          Title: SECRETARY
------------------------------------                ----------------------------

If Borrower is a Partnership, Limited Liability Company, Limited Liability
Limited Partnership, or Limited Liability Partnership:

WITNESS:

                                      ------------------------------------------
                                      NAME OF PARTNERSHIP, LLC, LLLP, OR LLP

                                      By:
------------------------------------     ---------------------------------(SEAL)
                                           GENERAL PARTNER/MANAGER/MEMBER

                                      By:
------------------------------------     ---------------------------------(SEAL)
                                           GENERAL PARTNER/MANAGER/MEMBER

                                      By:                                 (SEAL)
------------------------------------     ---------------------------------
                                           GENERAL PARTNER/MANAGER/MEMBER

                          If Borrower is an individual

WITNESS:

------------------------------------     ---------------------------------(SEAL)

                              Additional Co-makers

WITNESS:

------------------------------------     ---------------------------------(SEAL)

------------------------------------     ---------------------------------(SEAL)

------------------------------------     ---------------------------------(SEAL)

------------------------------------     ---------------------------------(SEAL)

<PAGE>

Borrower: ANDERSEN 2000 INC
          ----------------------------------------------------------------------
Account Number: 954-0502843                     Note Number: 00002
                -------------------------                    -------------------
Address: 306 DIVIDEND DR                        NEWNAN, Georgia
         --------------------------------       -------
         PEACHTREE CITY, GA 30269               Date: AUGUST 27, 2001
         --------------------------------             --------------------------

                                      BB&T

                                 PROMISSORY NOTE

THE UNDERSIGNED REPRESENTS THAT THE LOAN EVIDENCED HEREBY IS BEING OBTAINED FOR
BUSINESS/COMMERCIAL OR AGRICULTURAL PURPOSES. For value received, the
undersigned, jointly and severally, if more than one, promises to pay to BRANCH
BANKING AND TRUST COMPANY, a North Carolina banking corporation (the "Bank"), or
order, at any of Bank's offices in the above referenced city (or such other
place or places that may be hereafter designated by Bank), the sum of
                      TWO HUNDRED THOUSAND DOLLARS & 00/100
--------------------------------------------------------------------------------

Dollars ($200,000.00), in immediately available coin or currency of the United
         -----------
States of America. [_] Borrower shall pay a prepayment penalty as set forth in
the Prepayment Penalty Addendum attached hereto.

Interest shall accrue from the date hereof on the unpaid balance outstanding
from time to time at the:

[_] Fixed rate of __________% per annum.

[X] Variable rate of the Bank's Prime Rate plus 0.75% per annum to be adjusted
                                                -----
    Daily as the Bank's Prime Rate changes. If checked here [_], the interest
    -----
    rate will not exceed a(n) [_] fixed [_] average maximum rate of ________% or
    a [_] floating maximum rate of the greater of ______% or the Bank's Prime
    Rate; and the interest rate will not decrease below a fixed minimum rate of
    _____%. If an average maximum rate is specified, a determination of any
    required reimbursement of interest by Bank will be made: [_] when Note is
    repaid in full by Borrower [_] annually beginning on ___________________.

[_] Fixed rate of _____% per annum through _____ which automatically converts on
    ___________ to a variable rate equal to the Bank's Prime Rate plus _____%
    per annum which shall be adjusted _____________ as such Prime Rate changes.

[_] ---------------------------------------------------------------------------.

    Principal and interest is payable as follows

<TABLE>
<S>                                                                                <C>
[X]   Principal (plus any accrued interest not otherwise scheduled herein)         )
                                                                                   )is due in full at maturity on FEBRUARY 27, 2002.
[_]   Principal plus accrued interest                                              )                              -----------------

[_]   Payable in consecutive ________ installments of [_] Principal                )
                                                                                   )commencing on ________________
                                                      [_] Principal and interest   )
</TABLE>
      and continued on the same day of each calendar period thereafter, in ____
      equal payments of $______, with one final payment of all remaining
      principal and accrued interest due on ____________.

[_]   ChoiceLine Payment Option: 2% of outstanding balance is payable monthly
      commencing on _______________ and continuing on the same day of each
      calendar period thereafter, with one final payment of all remaining
      principal and accrued interest due on _________________________.

[X]   Accrued interest is payable Monthly commencing on SEPTEMBER 27, 2001 and
                                  -------               ------------------
      continuing on the same day of each calendar period thereafter, with one
      final payment of all remaining interest due on FEBRUARY 27, 2002.
                                                     -----------------
[_]   Bank reserves the right in its sole discretion to adjust the fixed payment
      due hereunder ________________ on ____________________ and continuing on
      the same day of each calendar period thereafter, in order to maintain an
      amortization period of no more than ______ months from the date of this
      Note. Borrower understands the payment may increase if interest rates
      increase.

[X]   Prior to an event of default, Borrower may borrow, repay, and reborrow
      hereunder pursuant to the terms of the Loan agreement, hereinafter
      defined.

[_]
      -------------------------------------------------------------------------.

[_]   Borrower hereby authorizes Bank to automatically debit from its demand,
      deposit, or savings account(s) with Bank, any payment(s) due under this
      Note on the date(s) due.

      In addition, the undersigned promises to pay to Bank, or order, a late fee
in the amount of five percent (5%) of any installment past due for ten (10) or
more days. When any installment payment is past due for fifteen (15) or more
days, subsequent payments shall first be applied to the past due balance. All
interest shall be computed and charged for the actual number of days elapsed on
the basis of a year consisting of three hundred sixty (360) days. In the event
periodic accruals of interest shall exceed any periodic fixed payment amount
described above, the fixed payment amount shall be immediately increased, or
additional supplemental interest payments required on the same periodic basis as
specified above (increased fixed payments or supplemental payments to be
determined in the Bank's sole discretion), in such amounts and at such times as
shall be necessary to pay all accruals of interest for the period and all
accruals of unpaid interest from previous periods. Such adjustments to the fixed
payment amount or supplemental payments shall remain in effect for so long as
the interest accruals shall exceed the original fixed payment amount and shall
be further adjusted upward or downward to reflect changes in the variable
interest rate. In no event shall the fixed payment amount be reduced below the
original fixed payment amount specified above.

      This note ("NOTE") is given by the undersigned in connection with the
following agreements (if any) between the undersigned and the Bank;

Security Deed granted in favor of Bank as grantee:

[X]   dated AUGUST 27, 2001 in the maximum principal amount of $700,000.00
            ---------------                                    -----------
      granted by ANDERSEN 2000 INC, CROWN ANDERSEN INC
                 -------------------------------------

[_]   dated _______________ in the maximum principal amount of $________________

      granted by _______________________________________________________________

<PAGE>
Security Agreement(s) granting a security interest to Bank:

[_]   dated __________________ given by ________________________________________

      _________________________________________________________________________.

[_]   dated __________________ given by ________________________________________

      _________________________________________________________________________.

[_]   Securities Account Pledge and Security Agreement dated ______, executed by

      _________________________________________________________________________.
<TABLE>
<S>                                                         <C>                           <C>
[_]   Control Agreement(s) dated _______________, covering  [_] Deposit Account(s)        [_] Investment Property
                                                            [_] Letter of Credit Rights   [_] Electronic Chattel Paper

</TABLE>

[_]   Assignment of Certificate of Deposit, Security Agreement, and Power of
      Attorney (for Certificated Certificates of Deposit) dated ________________
      ___________________, executed by ________________________________________.

[_]   Pledge and Security Agreement for Publicly Traded Certificated Securities
      dated ________________, executed by ______________________________________

      _________________________________________________________________________.

[_]   Assignment of Life Insurance Policy as Collateral dated _________________,
      executed by _____________________________________________________________.

[_]   Loan Agreement dated __________________________, executed by Borrower and
      [_] Guarantor(s).

[_]   _________________________________________________________________________.

All of the terms, conditions and covenants of the above described agreements
(the "Agreements") are expressly made a part of this Note by reference in the
same manner and with the same effect as if set forth herein at length and any
holder of this Note is entitled to the benefits of and remedies provided in the
Agreements and any other agreements by and between the undersigned and the Bank.

      No delay or omission on the part of the holder in exercising any right
hereunder shall operate as a waiver of such right or of any other right of such
holder, nor shall any delay, omission or waiver on any one occasion be deemed a
bar to or waiver of the same or of any other right on any future occasion. Every
one of the undersigned and every endorser or guarantor of this note regardless
of the time, order or place of signing waives presentment, demand, protest and
notices of every kind and assents to any one or more extensions or postponements
of the time of payment or any other indulgences, to any substitutions, exchanges
or releases or collateral if at any time there be available to the holder
collateral for this note, and to the additions or releases of any other parties
or persons primarily or secondarily liable.

        The failure to pay any part of the principal or interest when due on
this Note or to fully perform any covenant, obligation or warranty on this or on
any other liability to the Bank by any one or more of the undersigned, by any
affiliate of the undersigned (as defined in 11USC Section (101) (21)), or by any
guarantor or surety of this Note (said affiliate, guarantor, and surety are
herein called Obligor); or if any financial statement or other representation
made to the Bank by any of the undersigned or any Obligor shall be found to be
materially incorrect or incomplete; or in the event the default pursuant to any
of the Agreements or any other obligation of any of the undersigned or any
Obligor in favor of the Bank; or in the event the Bank demands that the
undersigned secure or provide additional security for its obligations under this
Note and security deemed adequate and sufficient by the Bank is not given when
demanded; or in the event one or more of the undersigned or any Obligor shall
die, terminate its existence, allow the appointment of a receiver for any part
of its property, make an assessment for the benefit of creditors, or where a
proceeding under bankruptcy or insolvency laws is initiated by or against any of
the undersigned or any Obligor; or in the event the Bank should otherwise deem
itself, its security interest, or any collateral unsafe or insecure; or should
the Bank in good faith believe that the prospect of payment or other performance
is impaired; or if there is an attachment, execution, or other judicial seizure
of all or any portion of the Borrower's or any Obligor's assets, including an
action or proceeding to seize any funds on deposit with the Bank, and such
seizure is not discharged within 20 days; or if final judgment for the payment
of money shall be rendered against the Borrower or any Obligor which is not
covered by insurance and shall remain undischarged for a period of 30 days
unless such judgment or execution thereon is effectively stayed; or the
termination of any guaranty agreement given in connection with this Note, then
any one of the same shall be a material default hereunder and this Note and
other debts due the bank by any one or more of undersigned shall immediately
become due and payable without notice, at the option of the Bank. >From and
after any event of default hereunder, interest shall accrue on the sum of the
principal balance and accrued interest then outstanding at the variable rate
equal to the Bank's Prime Rate plus 5% per annum ("Default Rate"), provided that
such rate shall not exceed at any time the highest rate of interest permitted by
the laws of the State of Georgia; and further provided that such rate shall
apply after judgement. In the event of any default, the then remaining unpaid
principal amount and accrued but unpaid interest then outstanding shall bear
interest at the Default Rate called for hereunder until such principal and
interest have been paid in full. In addition, upon default, the Bank may pursue
its full legal remedies at law or equity, and the balance due hereunder may be
charged against any obligation of the Bank to any party including any Obligor.
Bank shall not be obligated to accept any check, money order, or other payment
instrument marked "payment in full" on any disputed amount due hereunder, and
Bank expressly reserves the right to reject all such payment instruments.
Borrower agrees that tender of its check or other payment instrument so marked
will not satisfy or discharge its obligation under this Note, disputed or
otherwise, even if such check or payment instrument is inadvertently processed
by Bank unless in fact such payment is in fact sufficient to pay the amount due
hereunder.

      The term "Prime Rate," if use herein, means the rate of interest per annum
announced by the Bank from time to time and adopted as its Prime Rate. Bank
lends at rates above and below the Prime Rate, and the Prime Rate is one of
several rate indexes employed by the Bank when extending credit. Any change in
the interest rate resulting from a change in the Bank's Prime Rate shall become
effective as of the opening of business on the effective date of the change. If
this Note is placed with an attorney for collection, the undersigned agrees to
pay, in addition to principal and interest, all costs of collection and
reasonable attorneys' fees. All obligations of the undersigned and of any
Obligor shall bind his heirs, executors administrators, successors, and/or
assigns. Use of the masculine pronoun herein shall include the feminine and the
neuter, and also the plural. If more than one party shall execute this Note, the
term "undersigned" as used herein shall mean all the parties signing this Note
and each of them, and all such parties shall be jointly and severally obligated
hereunder. Wherever possible, each

<PAGE>

provision of this Note shall be interpreted in such a manner to be effective and
valid under applicable law, but if any provision of this Note shall be
prohibited by or invalid under such law, such provision shall be ineffective but
only to the extent of such prohibition or invalidity, without invalidating the
remainder of such provision or the remaining provisions of this Note. All of the
undersigned hereby waive all exemptions and homestead laws. The proceeds of the
loan evidenced by this Note may be paid to any one or more of the undersigned.

      From time to time, at the Bank's option, the maturity date of this Note
may be extended, or this Note may be renewed in whole or in part, or a new note
of different form any be substituted for this Note, or the rate of interest may
be modified, or changes may be made in consideration of loan extensions, and the
holder hereof, from time to time may waive or surrender, either in whole or in
part any rights, guaranties, secured interest, or liens, given for the benefit
of the holder in connection with the payment and the securing the payment of
this Note; but no such occurrence shall in any manner effect, limit, modify, or
otherwise impair any rights, guaranties or security of the holder not
specifically waived, released, or surrendered in writing, nor shall the
undersigned makers, or any guarantor, endorser, or any person who is or might be
liable hereon, either primarily or contingently, be released from such event.
The holder hereof, from time to time, shall have the unlimited right to release
any person who might be liable hereon, and such release shall not affect or
discharge the liability of any other person who is or might be liable hereon. No
waivers and modifications shall be valid unless in writing and signed by the
Bank. The Bank may, at its option, charge any fees for the modification,
renewal, extension, or amendment of any of the terms of the Note permitted by
applicable law. In case of a conflict between the terms of this Note and the
Loan Agreement or Commitment Letter issued in connection herewith, the priority
of controlling terms shall be first this Note, then the Loan Agreement, and then
the Commitment Letter. This Note shall be governed by and construed in
accordance with the laws of Georgia in connection with any foreclosure or
enforcement proceeding undertaken in connection with the Borrower's property
situated in Georgia. Time is of the essence of this instrument.

Borrower agrees that the only interest charge is the interest actually stated in
this Note, and that any loan or origination fee shall be deemed charges rather
than interest, which charges are fully earned and non-refundable. It is further
agreed that any late charges are not a charge for the use of money but are
imposed to compensate Bank for some of the administrative services, costs and
losses associated with any delinquency or default under this Note, and said
charges shall be fully earned and non-refundable when accrued. All other charges
imposed by Bank upon Borrower in connection with this Note and the loan
including without limitation, any commitment fees, loan fees, facility fees,
origination fees, discount points, default and late charges, prepayment fees,
statutory attorney's fees and reimbursements for costs and expenses paid by Bank
to third parties or for damages incurred by Bank are and shall be deemed to be
charges made to compensate Bank for underwriting and administrative services and
costs, other services, and costs or losses incurred and to be incurred by Bank
in connection with this Note and the loan shall under no circumstances be deemed
to be charges for the use of money. All such charges shall be fully earned and
non-refundable when due. This paragraph is executed for the purpose of
clarifying the status of charges of the Loan for purpose of O.C.G.A. Sec.
7-4.2(a) and (a)(3).

It is the intention of Bank and Borrower to conform strictly to the usury laws
now or hereafter in effect, and any interest payable hereunder shall be subject
to reduction to the amount in excess of the maximum non-usurious amount allowed
under applicable usury laws now or hereafter construed by courts having
jurisdiction over such matters. If the maturity of this Note is accelerated by
reason of any provision of this Note or by reason of voluntary prepayment by the
undersigned, or otherwise, then earned interest may never include more than the
maximum amount permitted by law, computed from the date of each advance of the
loan proceeds hereunder until payment, and any interest in excess of the maximum
amount permitted by law shall be cancelled automatically and, if paid, shall at
the option of Bank, if allowed by a applicable law, either be rebated to
Borrower or credited on the principal amount of this Note, or if all principal
has heretofor been repaid, then the excess shall be rebated to Borrower.

--------------------------------------------------------------------------------

                      CREDIT LIFE AND DISABILITY INSURANCE

Subject to certain underwriting criteria and limitations, INDIVIDUAL BORROWERS
AND ADDITIONAL CO-MAKERS HAVE THE RIGHT TO REQUEST CREDIT LIFE AND DISABILITY
INSURANCE PROTECTION FOR THIS LOAN. One or two Borrowers/Co-makers may be
covered by BB&T Credit Life Insurance and one Borrower/Co-maker may be covered
by BB&T Credit Disability Insurance. However, the purchase of credit life and
credit disability insurance from the Bank is not a condition of obtaining this
loan.

     I, the undersigned, desire the credit insurance with the cost and terms
     described below and promise to pay the premium of such insurance coverage.
     I understand that I may cancel this credit insurance at any time. I
     represent that, to the best of my knowledge, I am in good health and am
     insurable.

<TABLE>
<S>                                      <C>
[_]   Product 1: Complete the following: [_] Fidelity Security Insurance Company Flex Plan (Complete separate application)
</TABLE>
<TABLE>
<S>                                    <C>                 <C>             <C>                 <C>             <C>

CREDIT LIFE INSURANCE                  Effective Date      Term in Mos.    Amount Financed     Interest Rate   Credit Life Premium

[_]   Single    [_]   Level

[_]   Joint     [_]   Decreasing                                             $200,000.00            7.25         $
                                       --------------      -----------     ---------------     -------------     -------------------
</TABLE>
<TABLE>
<S>                                     <C>                                   <C>
CREDIT DISABILITY INSURANCE             Monthly Benefit Amount                Credit Disability Premium
Effective Date and Terms in Mos.
Same as Credit Life Insurance Above

                                      $                                      $
---------------------------------      -----------------------------------    --------------------------------------

</TABLE>

Credit Disability Insurance is subject to a 14-day elimination period and a
60-month maximum benefit period. Only the Borrower or Co-Maker who signs the
first line under "Signature(s) of Insured" is covered by Credit Disability
Insurance.

Date of Birth   Signature(s) of Insured         Total Credit Life and Disability
                                                       Insurance Premium

--------------- ------------------------------
                Signature of Primary Insured

                                                 $
--------------- -------------------------------  ---------------------------
                Signature of Secondary Insured

--------------------------------------------------------------------------------
                         (SIGNATURES ON FOLLOWING PAGE)

<PAGE>

                                      BB&T

                         PROMISSORY NOTE SIGNATURE PAGE

Borrower: ANDERSEN 2000 INC
          ----------------------------------------------------------------------

Account Number: 954-0502843                     Note Number: 00002
                ------------------------                     -------------------

Note Amount: 200,000.00                         Date: AUGUST 27, 2001
             ---------------------------              --------------------------

Notice of Right to Copy of Appraisal: If a 1-4 family residential dwelling is
------------------------------------
pledged as collateral for this Note, you, the undersigned, have a right to a
copy of the real estate appraisal report used in connection with your
application for credit. If you wish to receive a copy, please notify in writing
the branch office where you applied for credit. You must forward your request to
the Bank no later than 90 days after the date of this Note. In your request
letter, please provide your name, mailing address, appraised property address,
the date of this Note, and the Account and Note Numbers shown on the front of
this Note.

IN WITNESS WHEREOF, the undersigned, on the day and year first written above,
has caused this note to be executed under seal.

                          If Borrower is a Corporation:

ATTEST: /s/ Randall H. Morgan                        ANDERSEN 2000 INC
        -------------------------------      ----------------------------------
            RANDALL H. MORGAN                       NAME OF CORPORATION

Title:         SECRETARY                     By: /s/ Jack D. Brady
       --------------------------------          -------------------------------
                                                      JACK D. BRADY

[CORPORATION SEAL]      (Affix seal or       Title:      PRESIDENT
                        insert name of              ----------------------------
                        corporation in
                        seal to adopt as     By: /s/ Randall H. Morgan
                        seal of Borrower)        -------------------------------
                                                      RANDALL H. MORGAN

WITNESS:

/s/ Jean I. Shelton                          Title:       SECRETARY
---------------------------------------             ---------------------------

If Borrower is a Partnership, Limited Liability Company, Limited Liability
Limited Partnership, or Limited Liability Partnership:

WITNESS:                                 ---------------------------------------
                                          NAME OF PARTNERSHIP, LLC, LLLP, OR LLP

                                         By:
--------------------------------------      ------------------------------(SEAL)
                                            GENERAL PARTNER/MANAGER/MEMBER

                                         By:
--------------------------------------      ------------------------------(SEAL)
                                            GENERAL PARTNER/MANAGER/MEMBER

                                         By:
--------------------------------------      ------------------------------(SEAL)
                                            GENERAL PARTNER/MANAGER/MEMBER

                          If Borrower is an Individual

WITNESS:

--------------------------------------   ---------------------------------(SEAL)

                              Additional Co-makers

WITNESS:

--------------------------------------   ---------------------------------(SEAL)

--------------------------------------   ---------------------------------(SEAL)

--------------------------------------   ---------------------------------(SEAL)

--------------------------------------   ---------------------------------(SEAL)

Source: [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00032-of-00352.parquet"}, [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00032-of-00352.parquet"}]]