Document:

10/17/00 - PROMISSORY NOTE

  
 Exhibit 4.4 
  
 PROMISSORY NOTE 
  
 
	 $100,000.
 	 	 DATE: October 17, 2000
 

 
  
 FOR VALUE RECEIVED, SMALL BUSINESS INVESTMENT CORPORATION OF
AMERICA, INC. by John H. Brown, Chairman and Joyce L. Brown, Secretary (hereinafter referred to as the “Maker”) promises to pay to Kathleen Roberts (hereinafter referred to as the “Holder”) the sum of One Hundred
Thousand Dollars ($100,000.00) (hereinafter the “Principal Amount”), with interest at the rate of twelve percent (12%) per annum, until paid and 10,000 shares of common stock in Mega Group, Inc. The 10,000 shares will be in the
recapitalized company and registered for trading. 
  
 1.  The entire balance due on the Note, principal
plus accrued interest, shall be payable 180 days from the date hereof. All payments shall be applied first to late fees, then to administrative charges (such as court costs, bounced check fees, attorney’s fees and other costs of collection, if
incurred), then to the payment of interest on the amount of principal remaining unpaid, and the balance thereof credited to payment on the outstanding principal. The 10,000 shares shall be issued upon completion of the merger and re-capitalization.

  
 2.  In the event of default on any installment payment as it becomes due, the entire balance then
remaining unpaid shall, at the option of the holder thereof, become immediately due and payable in full, after a ten (10) day written notice to cure such default and Maker’s failure to cure within such period. In addition, the undersigned
hereby authorizes and empowers any attorney at law to appear for him before any court and to confess judgment or assent to the entry of judgment from the date hereof at the rate of fifteen percent (12%) per annum, reasonable attorney’s fees and
costs of suit; and to waive all errors in pleading, notice of dishonor or presentment, stay of execution and the benefit of all exemptions or homestead laws. 
  
 3.  The occurrence of any one or more of the following events (the “Events of Default”) shall constitute a default hereunder: 
  

a.  If Maker shall fail to make any payment required hereunder. 
  
 b.  The filing of a voluntary or involuntary petition against the undersigned under any of the provisions of the Federal Bankruptcy Act or
amendments thereto; 
  
 c.  The undersigned’s assignment for the benefit of creditors;

  
 d.  Entry of judgment or issuance of an Order of attachment against the undersigned or

  
 e.  Commencement of any proceeding or procedure for enforcement of a money judgment
against the undersigned. 
  
 4.  The Maker, for themselves and their heirs, successors and assigns, hereby
waive presentment, protest, demand, diligence, notice of dishonor and of nonpayment, and waive and renounce all rights to the benefits of any moratorium, appraisement, exemptions and homestead now provided or which may hereafter be provided by any
federal or state statue against the enforcement and collection of the obligations evidenced by the Note and any and all extensions, renewals and modifications hereof. 

  
 5.  The undersigned hereby authorized any attorney at law to appear in
any court of record in the United States if the balance due provided for herein is not paid at maturity, including any acceleration thereof as provided herein. The Maker waives the issuance and service of process and confesses a judgment against the
Maker in favor of the Holder hereof for the amount of the Note as may be due and unpaid hereon, with costs of suit plus twenty percent (20%) of the amount in default as attorney’s fees, waiving all rights of appeal, stay of execution, and all
exemption laws of any state of the United States. The Maker specifically consents to the filing of and maintenance of a confessed judgment action in any court of record in the United states, Maker expressly waiving any objection or defense as to
insufficiency of process, lack of personal jurisdiction by any said court over the person, proper venue, and specifically consents to the registration or enrollment of the judgment by confession once granted on any other court of record in the
United States. 
  
 6.  No failure on the part of Holder or other holder hereof to exercise any right or
remedy hereunder, whether before or after the happening of a default shall constitute a waiver thereof, and no waiver of any past default shall constitute waiver of any future default or of any other default. 
  
 7.  The Maker reserves the right of prepayment in any amount at any time without penalty. 
  
 8.  All payments on this Note are payable to the Holder at the following address, or to such other address as may be hereafter
given by written notice from the Maker to the Holder. 
  
 Ms. Kathy Roberts 
 1246 West Man of War Cove 
 South Jordan, Utah 84095 
  
 9.  This Note may not be changed orally, but only by an agreement in writing signed by the party against whom such agreement is sought to be enforced.

  
 10.  All notices sent to The Maker shall be by hand delivery or by registered or certified mail, return
receipt requested, to the Maker at 1730 Rhode Island Avenue N.W., Suite 415, Washington, DC 20036, or to such address as may be hereafter given by written notice from the Maker to The Holder. 
  

11.  This Note shall be governed by and construed in accordance with the laws of the District of Columbia. 
  
 IN WITNESS WHEREOF the Maker has executed this Note on the day and year first above written. 
  
 SMALL BUSINESS INVESTMENT CORPORATION OF AMERICA,
INC. 
  
 
	 
	 By:
 	 	 /s/    JOHN H.
BROWN        
 
	 	  	 	 By:
 	 	 /s/    JOYCE L.
BROWN        
 

	  	 	 John H. Brown,
 Chairman
 	 	  	 	  	 	 Joyce L. Brown,
 Secretary09/24/01 - PROMISSORY NOTE

 Exhibit 4.5 
  
 PROMISSORY NOTE AND OPTION CONTRACT 
  
 This agreement is entered into between SMALL
BUSINESS INVESTMENT CORPORATION OF AMERICA, INC. (“SBICOA”), MEGA GROUP, INC. (“MEGA”) AND SANDRA HOLLY (“HOLLY”). 
  
 WHEREFORE, SBICOA is a wholly owned subsidiary of Mega and it is in both SBICOA and Mega’s interest for SBICOA to receive an infusion of cash for the development of various projects; Holly is
willing to make a cash payment in return for unconditional promise to pay and an option to purchase shares of Mega; 
  
 NOW, THEREFORE, for an in consideration of payment of Ten Dollars and other good and valuable consideration, the receipt and sufficiency of which is hereby expressly acknowledged, the parties do hereby agree as follows: 

 
 1.  Holly shall pay to SBICOA the sum of $60,000. 
  
 2.  SBICOA shall repay the $60,000 to Holly, with interest at the rate of twelve and one-half percent (12.5%) per annum. The entire principal and interest shall
be due one year from the date hereof. SBICOA hereby authorizes and empowers any attorney at law to appear for him before any court and to confess judgment or assent to the entry of judgment from the date hereof at the rate of judgment from the date
hereof at the rate of twelve and one half percent (12.5%) per annum, reasonable attorney’s fees and costs of suit; and to waive all errors in pleading, notice of dishonor or presentment, stay of execution and the benefit of all exemptions or
homestead laws. 
  
 3.  The entire principal and all accrued interest shall also become immediately due in
any of the following events: 
  
 a.  The filing of a voluntary or involuntary petition
against Mega or SBICOA under any of the provisions of the Federal Bankruptcy Act or amendments thereto. 
  
 b.  The assignment by Mega or SBICOA for the benefit of creditors. 
  
 c.  Entry of judgment or issuance of an Order of Attachment against Mega or SBICOA. 
  
 d.  Commencement of any proceeding or procedure for enforcement of a money judgment against Mega or SBICOA. 
  
 4.  No failure on the part of Holly to exercise any right or remedy hereunder, whether before or after the happening of a default shall constitute a waiver hereof and no waiver of any past defaults shall constitute
waiver of any future default or any other default. 
  
 5.  Mega hereby grants to Holly the option to
purchase120,000 common shares of stock of Mega at a price of $.50 per share. This option will expire at the end of two years from the date of this agreement. The option also must be exercised 

 prior to completion by Mega of a secondary offering of its common shares. Mega will provide notice to Holly as to the date when the secondary
offering is begun and the anticipated completion at least fifteen (15) days prior to the effective date of the offering. Holly, in her discretion, may apply any part of the $60,000 owed pursuant to paragraph #2 to the stock option. 

 
 6.  SBICOA may prepay any amount at any time without penalty. 
  

7.  Mega does hereby guarantee performance of all obligations of SBICOA. 
  
 8.  All payments to Holly shall be made to P. O. Box 94838, Jackson, Mississippi 39286, or to such other address as may be furnished by Holly in writing.

  
 9.  This agreement contains the entire understanding between the parties. There are no other oral
agreements. This agreement may be amended only in writing signed by all parties. 
  
 10.  All notices to
Mega and/or SBICOA shall be by hand-delivery, registered or certified mail, return receipt requested, overnight delivery, or by facsimile to 1730 Rhode Island Avenue N.W., Suite 415, Washington, DC 20036 or to such address as may be later given by
written notice. 
  
 11.  This agreement shall be governed and construed in accordance with the laws of the
Washington, District of Columbia. 
  
 IN WITNESS WHEREOF, the undersigned have executed this agreement this 24th day
of September 2001. 
  
 
	  
	 
	 By:
 	 	 /s/    JOHN H. BROWN
        
 

	  	 	 John H. Brown,
 Chairman-Mega/SBICOA, The Borrower
 

 
  
 
	  
	 
	 By:
 	 	 /s/    JOYCE L. BROWN
        
 

	  	 	 Joyce L. Brown,
 Secretary-Mega/SBICOA, The Borrower
 

 
  
 
	 By:
 	 	 /s/    SANDRA
HOLLY        
 

	  	 	 Sandra Holly-Lender

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