Document:

<TABLE>
<CAPTION>
<S>                       <C>                    <C>                     <C>                    <C>

------------------------- ---------------------- ----------------------- ---------------------- ----------------------
      LOAN NUMBER               LOAN NAME             ACCT. NUMBER             NOTE DATE              INITIALS

        12500024             First American                                    04/22/03                  GEY
                           Capital Corporation
      NOTE AMOUNT                                         RATE               MATURITY DATE          LOAN PURPOSE
                            INDEX (w/Margin)
     $1,875,578.18                                       6.000%                 4/22/13              Commercial
                           Wall Street Journal
                                  Prime            Creditor Use Only
------------------------- ---------------------- ----------------------- ---------------------- ----------------------

</TABLE>

                                 PROMISSORY NOTE
                  (Commercial - Single Advance - Variable Rate)

DATE AND PARTIES. The date of this Promissory Note (Note) is April 22, 2003. The
parties and their addresses are:

       LENDER:
              WESTERN NATIONAL BANK
              212 SW 8th St., Ste. 101
              Topeka, Kansas 66603
              Telephone: (785) 357-4669

       BORROWER:
              FIRST AMERICAN CAPITAL CORPORATION
              a Kansas Corporation
              1303 First American Place
              Topeka, Kansas 66604

1. DEFINITIONS. As used in this Note, the terms have the following meanings:

     A.  Pronouns.  The  pronouns  "I,"  "me," and "my"  refer to each  Borrower
     signing this Note,  individually and together with their heirs,  successors
     and assigns,  and each other person or legal entity (including  guarantors,
     endorsers,  and  sureties)  who agrees to pay this  Note.  "You" and "Your"
     refer to the Lender,  with its participants or syndicators,  successors and
     assigns, or any person or company that acquires an interest in the Loan.

     B.  Note.  Note  refers to this  document,  and any  extensions,  renewals,
     modifications and substitutions of this Note.

     C. Loan. Loan refers to this transaction  generally,  including obligations
     and duties  arising from the terms of all  documents  prepared or submitted
     for this transaction such as applications, security agreements, disclosures
     or notes, and this Note.

     D. Property.  Property is any property, real, personal or intangible,  that
     secures my performance of the obligations of this Loan.

     E. Percent.  Rates and rate change  limitations are expressed as annualized
     percentages.

2. PROMISE TO PAY. For value  received,  I promise to pay you or your order,  at
your address, or at such other location as you may designate,  the principal sum
of  $1,875,578.18  (Principal)  plus  interest from April 22, 2003 on the unpaid
Principal balance until this Note matures or this obligation is accelerated.

3. INTEREST.  Interest will accrue on the unpaid Principal  balance of this Note
at the rate of 6.000 percent  (Interest Rate) until April 22, 2008,  after which
time it may change as described in the Variable Rate subsection.

     A. Interest After Default. If you declare a default under the terms of this
     Loan,  including  for failure to pay in full at maturity,  you may increase
     the Interest Rate otherwise  payable as described in this section.  In such
     event, interest will accrue on the unpaid Principal balance of this Note at
     the Interest Rate in effect from time to time under the terms of this Note,
     until paid in full.

<PAGE>

     B. Maximum  Interest  Amount.  Any amount assessed or collected as interest
     under the terms of this Note or  obligation  will be limited to the Maximum
     Lawful  Amount  of  interest  allowed  by state  or  federal  law.  Amounts
     collected in excess of the Maximum  Lawful  Amount will be applied first to
     the unpaid Principal balance. Any remainder will be refunded to me.

     C. Statutory  Authority.  The amount  assessed or collected on this Note is
     authorized by the Kansas usury laws under Kan. Stat. Ann. ss. 16-207.

     D. Accrual.  During the scheduled term of this Loan interest  accrues using
     an Actual/360 days counting method.

     E.  Variable  Rate.  The Interest  Rate may change  during the term of this
     transaction.

          (1) Index.  Beginning  with the first Change Date,  the Interest  Rate
          will be  based  on the  following  index:  the  highest  base  rate on
          corporate  loans  posted by at least 75% of the  nation's  30  largest
          banks that The Wall Street Journal publishes as the Prime Rate.

          The Current  Index is the most recent index  figure  available on each
          Change  Date.  You do not  guaranty by  selecting  this Index,  or the
          margin,  that the Interest Rate on this Note will be the same rate you
          charge  on any  other  loans or class of loans you make to me or other
          borrowers. If this Index is no longer available, you will substitute a
          similar index. You will give me notice of your choice.

          (2) Change Date.  Each date on which the  Interest  Rate may change is
          called a Change Date.  The Interest Rate may change April 22, 2008 and
          every 5 years thereafter.

          (3) Calculation Of Change. On each Change Date, you will calculate the
          Interest  Rate,  which will be the Current  Index.  The result of this
          calculation  will be rounded to the nearest .001  percent.  Subject to
          any limitations,  this will be the Interest Rate until the next Change
          Date. The new Interest Rate will become effective on each Change Date.
          The Interest Rate and other charges on this Note will never exceed the
          highest rate or charge allowed by law for this Note.

          (4)  Limitations.  The  Interest  Rate  changes  are  subject  to  the
          following limitations:

               (a) Lifetime.  The Interest Rate will never be greater than 9.500
               percent or less than 6.000 percent.

          (5) Effect Of Variable  Rate. A change in the Interest  Rate will have
          the following effect on the payments: The amount of scheduled payments
          will change.

4.  ADDITIONAL  CHARGES.  As additional  consideration.  I agree to pay, or have
paid, these additional fees and charges.

     A.  Nonrefundable  Fees and  Charges.  The  following  fees are earned when
     collected  and will  not be  refunded  if I prepay  this  Note  before  the
     scheduled maturity date.

          Origination Fee. A(n)  Origination  Fee fee of $9,500.00  payable from
               the loan proceeds.
          Flood Determination.  A(n) Flood  Determination  fee of $10.00 payable
               from the loan proceeds.
          File Assignment  & Title  Commitment.  A(n)  File  Assignment  & Title
               Commitment fee of $108.00 payable from the loan proceeds.
          Columbian Fee. A(n) Columbian Fee fee of $865.00 payable from the loan
               proceeds.
          Appraisal.  A(n)  Appraisal  fee of  $500.00  payable  from  the  loan
               proceeds.

I  understand  and agree  that some  payments  to third  parties as part of this
transaction  may  also  involve  money  retained  by you or paid  back to you as
commissions or other remuneration.

5. PAYMENT.  I agree to pay this Note in 120  payments.  A payment of $13,533.71
will be due May 22,  2003,  and on the 22nd day of each month  thereafter.  This
scheduled  payment amount may change to reflect  changes in the

                                       2
<PAGE>

Interest Rate as described in the Variable Rate subsection of this Note. A final
payment of the entire unpaid balance of Principal and interest will be due April
22, 2013.

Payments  will be rounded to the  nearest  $.01.  With the final  payment I also
agree to pay any additional fees or charges owing and the amount of any advances
you have made to others on my behalf. Payments scheduled to be paid on the 29th,
30th or 31st day of a month that contains no such day will,  instead, be made on
the last day of such month.

If the amount of a scheduled  payment does not equal or exceed interest  accrued
during  the  payment  period the  unpaid  portion  will be added to, and will be
payable with, the next scheduled payment.

Each payment I make on this Note will be applied  first to interest  that is due
then to principal  that is due, and finally to any charges that I owe other than
principal  and  interest.  If you  and I agree  to a  different  application  of
payments,  we will describe our agreement on this Note.  The actual amount of my
final payment will depend on my payment record.

6.  PREPAYMENT.  I may  prepay  this  Loan in full or in part at any  time.  Any
partial  prepayment will not excuse any later scheduled  payments until I pay in
full.

7.  LOAN PURPOSE. The purpose of this Loan is PURCHASE OR REFINANCE REAL ESTATE.

8.  SECURITY.  This Loan is secured by separate  security  instruments  prepared
together with this Note as follows:

<TABLE>
<CAPTION>
<S>                                                                     <C>

Document Name                                                           Parties to Document

Leases And Rents Assignment - 1303 First American Place                 First American Capital Corporation

</TABLE>

and by the following,  previously executed,  security instruments or agreements:
ASSIGNMENT OF NOTE AND MORTGAGE,  DATED APRIL 22, 2003 BETWEEN  COLUMBIAN BANK &
TRUST AND WESTERN NATIONAL BANK.

9. DEFAULT. I will be in default if any of the following occur:

     A. Payments. I fail to make a payment in full when due.

     B. Insolvency.  I make an assignment for the benefit of creditors or become
     insolvent, either because my liabilities exceed my assets or I am unable to
     pay my debts as they become due.

     C. Business Termination. I merge, dissolve,  reorganize, end my business or
     existence,  or a partner  or  majority  owner dies or is  declared  legally
     incompetent,

     D.  Failure to  Perform.  I fail to perform  any  condition  or to keep any
     promise or covenant of this Note.

     E.  Other  Documents.  A  default  occurs  under  the  terms  of any  other
     transaction document.

     F. Other Agreements.  I am in default on any other debt or agreement I have
     with you.

     G. Misrepresentation. I make any verbal or written statement or provide any
     financial  information that is untrue,  inaccurate,  or conceals a material
     fact at the time it is made or provided.

     H. Judgment. I fail to satisfy or appeal any judgment against me.

     I.  Forfeiture.  The  Property  is used in a manner or for a  purpose  that
     threatens confiscation by a legal authority.

     J. Name  Change.  I change my name or assume  an  additional  name  without
     notifying you before making such a change.

                                       3
<PAGE>

     K. Property  Transfer.  I transfer all or a substantial part of my money or
     property.

     L. Property Value. The value of the Property declines or is impaired.

     M. Material Change. Without first notifying you, there is a material change
     in my business, including ownership, management, and financial conditions.

     N. Insecurity. You reasonably believe that you are insecure.

10. ASSUMPTIONS.  Someone buying the Property cannot assume the obligation.  You
may declare  the entire  balance of the Note to be  immediately  due and payable
upon the creation of, or contract for the creation of, any lien, encumbrance, or
transfer of the Property.

11.  WAIVERS AND CONSENT.  To the extent not prohibited by law, I waive protest,
presentment for payment,  demand,  notice of  acceleration,  notice of intent to
accelerate and notice of dishonor.

     A. Additional  Waivers By Borrower.  In addition,  I, and any party to this
     Note and Loan, to the extent  permitted by law,  consent to certain actions
     you may take, and generally  waive defenses that may be available  based on
     these actions or based on the status of a party to this Note.

          (1) You may renew or extend  payments on this Note,  regardless of the
          number of such renewals or extensions.

          (2)  You  may  release  any  Borrower,  endorser,  guarantor,  surety,
          accommodation maker or any other co-signer.

          (3) You may release,  substitute or impair any Property  securing this
          Note.

          (4) You, or any  institution  participating  in this Note,  may invoke
          your right of set-off.

          (5) You may enter into any sales,  repurchases  or  participations  of
          this Note to any  person  in any  amounts  and I waive  notice of such
          sales, repurchases or participations.

          (6) I  agree  that  any of us  signing  this  Note  as a  Borrower  is
          authorized  to  modify  the  terms  of  this  Note  or any  instrument
          securing, guarantying or relating to this Note.

     B. No Waiver By Lender.  Your course of dealing,  or your forbearance from,
     or delay in, the exercise of any of your rights,  remedies,  privileges  or
     right to insist upon my strict  performance of any provisions  contained in
     this Note, or other Loan  documents,  shall not be construed as a waiver by
     you, unless any such waiver is in writing and is signed by you.

12.  REMEDIES.  After I default,  and after you give any legally required notice
and  opportunity to cure the default,  you may at your option do any one or more
of the following.

     A.  Acceleration.  You may make all or any part of the amount  owing by the
     terms of this Note immediately due.

     B.  Sources.  You may use any and all  remedies  you  have  under  state or
     federal law or in any instrument securing this Note.

     C.  Insurance  Benefits.  You may  make a claim  for any and all  insurance
     benefits or refunds that may be available on my default.

     D.  Payments  Made On My  Behalf.  Amounts  advanced  on my behalf  will be
     immediately  due and may be added to the  balance  owing under the terms of
     this Note, and accrue interest at the highest post-maturity interest rate.

                                       4
<PAGE>

     E.  Set-Off.  You may use the right of set-off.  This means you may set-off
     any amount due and payable under the terms of this Note against any right I
     have to receive money from you. My right to receive money from you includes
     any deposit or share account  balance I have with you; any money owed to me
     on an  item  presented  to you or in  your  possession  for  collection  or
     exchange;  and any repurchase  agreement or other  non-deposit  obligation.
     "Any amount due and  payable  under the terms of this Note" means the total
     amount to which you are entitled to demand  payment under the terms of this
     Note at the time you set-off.

     Subject to any other  written  contract,  if my right to receive money from
     you is also  owned by someone  who has not  agreed to pay this  Note,  your
     right of set-off  will apply to my  interest in the  obligation  and to any
     other amounts I could withdraw on my sole request or endorsement.

     Your  right of set-off  does not apply to an  account  or other  obligation
     where my rights arise only in a representative  capacity.  It also does not
     apply to any Individual Retirement Account or other tax-deferred retirement
     account.

     You will not be liable  for the  dishonor  of any check  when the  dishonor
     occurs because you set-off against any of my accounts.  I agree to hold you
     harmless from any such claims  arising as a result of your exercise of your
     right of set-off.

     F. Waiver. Except as otherwise required by law, by choosing any one or more
     of these  remedies  you do not give up your right to use any other  remedy.
     You do not waive a default if you choose not to use a remedy.  By  electing
     not to use any remedy,  you do not waive your right to later  consider  the
     event a default and to use any remedies if the default  continues or occurs
     again.

13. COLLECTION  EXPENSES AND ATTORNEYS' FEES. On or after Default, to the extent
permitted  by law, I agree to pay all  expenses of  collection,  enforcement  or
protection of your rights and remedies under this Note.  Expenses  include,  but
are not limited to, attorneys' fees, court costs and other legal expenses. These
expenses  are  due and  payable  immediately.  If not  paid  immediately,  these
expenses  will bear  interest from the date of payment until paid in full at the
highest  interest rate in effect as provided for in the terms of this Note.  All
fees and expenses will be secured by the Property I have granted to you, if any.
To the extent permitted by the United States Bankruptcy Code, I agree to pay the
reasonable  attorneys'  fees you incur to  collect  this Debt as  awarded by any
court exercising jurisdiction under the Bankruptcy Code.

14. WARRANTIES AND  REPRESENTATIONS.  I make to you the following warranties and
representations which will continue as long as this Note is in effect:

     A. Power. I am duly organized, and validly existing and in good standing in
     all  jurisdictions  in which I operate.  I have the power and  authority to
     enter into this  transaction  and to carry on my business or activity as it
     is now being  conducted and, as  applicable,  am qualified to do so in each
     jurisdiction in which I operate.

     B. Authority. The execution,  delivery and performance of this Note and the
     obligation  evidenced  by this Note are  within my  powers,  have been duly
     authorized,  have received all necessary  governmental  approval,  will not
     violate any provision of law, or order of court or governmental agency, and
     will not  violate any  agreement  to which I am a party or to which I am or
     any of my Property is subject.

     C. Name and Place of Business.  Other than previously  disclosed in writing
     to you I have not changed my name or principal place of business within the
     last 10 years and have not used any other trade or fictitious name. Without
     your prior  written  consent,  I do not and will not use any other name and
     will preserve my existing name, trade names and franchises.

15 .  APPLICABLE  LAW.  This Note is governed by the laws of Kansas,  the United
States of America and to the extent  required,  by the laws of the  jurisdiction
where the Property is located.  In the event of a dispute,  the exclusive forum,
venue and place of jurisdiction will be in Kansas,  unless otherwise required by
law.

16. JOINT AND  INDIVIDUAL  LIABILITY AND  SUCCESSORS.  My obligation to pay this
Loan is independent of the obligation of any other person who has also agreed to
pay it. You may sue me alone,  or anyone

                                       5
<PAGE>

else who is  obligated on this Loan,  or any number of us  together,  to collect
this Loan.  Extending  this Loan or new  obligations  under this Loan,  will not
affect my duty under this Loan and I will still be  obligated  to pay this Loan.
The duties and  benefits of this Loan will bind and benefit the  successors  and
assigns of you and me.

17.  AMENDMENT,  INTEGRATION AND  SEVERABILITY.  This Note may not be amended or
modified  by oral  agreement.  No  amendment  or  modification  of this  Note is
effective  unless made in writing  and  executed by you and me. This Note is the
complete and final expression of the agreement. If any provision of this Note is
unenforceable,  then  the  unenforceable  provision  will  be  severed  and  the
remaining provisions will still be enforceable.

18.  INTERPRETATION.  Whenever  used,  the singular  includes the plural and the
plural includes the singular.  The section headings are for convenience only and
are not to be used to interpret or define the terms of this Note.

19.  NOTICE,  FINANCIAL  REPORTS  AND  ADDITIONAL  DOCUMENTS.  Unless  otherwise
required  by law,  any notice  will be given by  delivering  it or mailing it by
first  class  mail to the  appropriate  party's  address  listed in the DATE AND
PARTIES section,  or to any other address  designated in writing.  Notice to one
party will be deemed to be notice to all  parties.  I will inform you in writing
of any  change in my name,  address  or other  application  information.  I will
provide you any financial  statement or information  you request.  All financial
statements and  information I give you will be correct and complete.  I agree to
sign, deliver,  and file any additional documents or certifications that you may
consider necessary to perfect,  continue, and preserve my obligations under this
Loan and to confirm your lien status on any property. Time is of the essence.

20.  CREDIT  INFORMATION.  I agree to supply you with whatever  information  you
reasonably  request.  You will make requests for this information  without undue
frequency, and will give me reasonable time in which to supply the information.

21. ERRORS AND OMISSIONS.  I agree,  if requested by you, to fully  cooperate in
the correction, if necessary, in the reasonable discretion of you of any and all
loan  closing  documents  so that all  documents  accurately  describe  the loan
between you and me. I agree to assume all costs including by way of illustration
and not limitation, actual expenses, legal fees and marketing losses for failing
to reasonably comply with your requests within thirty (30) days.

22.  WAIVER  OF JURY  TRIAL.  All of the  parties  to this  Note  knowingly  and
intentionally,  irrevocably  and  unconditionally,  waive any and all right to a
trial by jury in any  litigation  arising out of or concerning  this Note or any
other  related  loan  document  or  related  obligation.  All of  these  parties
acknowledge  that this section has either been brought to the  attention of each
party's legal counsel or that each party had the opportunity to do so.

23. SIGNATURES.  By signing, I agree to the terms contained in this Note. I also
acknowledge receipt of a copy of this Note.

     BORROWER:

          First American Capital Corporation

            /s/ Harland E. Priddle
          ----------------------------------
          Harland E. Priddle, Chairman

                                       6
<PAGE>CONFORMED COPY

<TABLE>
<CAPTION>
<S>                                      <C>                                    <C>

---------------------------------------- -------------------------------------- --------------------------------------
First American Capital Corporation       Brooke Credit Corporation
1303 SW First American Place             10950 Grandview Dr., Ste. #600         Loan Number 4307
                                                                                            ----
Topeka, KS 66804                         Overland Park, KS 66210                Date     03-02-2005
                                                                                     --------------
                                                                                Maturity Date 02-15-2015
                                                                                              ----------
                                                                                Loan Amount $ 570,355.00
                                                                                              ----------
                                                                                Renewal Of
  BORROWER'S NAME AND ADDRESS              LENDER'S NAME AND ADDRESS
"I" includes each borrower above,        "You" means the lender, its
jointly and severally.                   successors and assigns.
---------------------------------------- -------------------------------------- --------------------------------------

</TABLE>

For value  received,  I promise to pay to you,  or your order,  at your  address
listed above the PRINCIPAL sum of five hundred  seventy  thousand  three hundred
                                  ----------------------------------------------
fifty five and no/100 Dollars $ 570,355.00
---------------------         ------------
[x]  Single Advance: I will receive all of this principal sum on 03-02-2005.  No
                                                                 ----------
     additional advances are contemplated under this note.
[ ]  Multiple Advance:  The principal sum shown above is the maximum amount of
     principal I can borrow under this note.  On                  I will receive
                                                 ----------------
     the  amount of $            and future principal advances are contemplated.
                     -----------
     Conditions:  The conditions for future advances are
                                                         -----------------------
     ---------------------------------------------------------------------------
     ---------------------------------------------------------------------------
[ ]  Open End  Credit:  You and I agree  that I may  borrow up to the  maximum
     amount of  principal  more than one time.  This  feature  is subject to all
     other conditions and expires on
                                     ------------------------------------------.
[ ]  Closed End  Credit:  You and I agree that I may borrow up to the  maximum
     only one time (and subject to all other conditions).

INTEREST: I agree to pay interest on the  outstanding  principal  balances  from
     03-02-2005 at the rate of 8.000 % per year until 02-15-2015.
     ----------                ------                 ----------
[ ]  Variable Rate: This rate may then change as stated below.
     [ ]  Index Rate: The future rate will be          the following index rate:
                                             ---------
     ---------------------------------------------------------------------------
     ---------------------------------------------------------------------------
     [ ]  No Index:  The future  rate will not be subject to any  internal  or
          external index. It will be entirely in your control.

     [ ]  Frequency and Timing: The rate on this note may change as often as
                                                                             ---
     --------------------------------------------------------------------------.
          A change in the interest rate will take effect                       .
                                                         ----------------------

     [ ]  Limitations:  During the term of this loan,  the  applicable  annual
          interest rate will not be more than       % or less than            %.
                                              ------                ----------
          The rate may not change  more than        %  each                    .
                                              ------        -------------------
          Effect of Variable  Rate: A change in the interest  rate will have the
          following effect on the payments:
     [ ]  The amount of each scheduled  payment will change.   [ ] The amount of
          the final payment will change.
     [ ]
          ---------------------------------------------------------------------.
ACCRUAL METHOD: Interest will be calculated on a Actual/365 basis.
                                                 ----------
POST MATURITY  RATE: I agree to pay interest on the unpaid  balance of this note
     owing after maturity, and until paid in full, as stated below:
     [x]  on the same fixed or variable rate basis in effect before maturity (as
          indicated above).
     [ ]  at a rate equal to                                                   .
                             --------------------------------------------------
[ ]  LATE CHARGE: If a payment is made more than         days after it is due, I
     agree to pay a late charge of               -------                       .
                                   --------------------------------------------
[ ]  ADDITIONAL CHARGES: In addition to interest, I agree to pay the following
     charges which [ ] are [ ] are not included in the principal amount above:
                                                                              --
     --------------------------------------------------------------------------.
PAYMENTS: I agree to pay this note as follows:
120 monthly payments of $6,896.53 beginning 03-15-2005.

<PAGE>

ADDITIONAL TERMS:

<TABLE>
<CAPTION>
<S>                                                     <C>

----------------------------------------------------
[x] SECURITY: This note is separately secured by        PURPOSE: The purpose of this loan is to finance Stock
(describe separate document by type and date):          Repurchase from Brooke Corporation   ----------------
                                                        ----------------------------------------------------.

Real Estate  Mortgage  dtd 3/2/2005 for property in
Shawnee County, KS at 1303 SW First American Place,     SIGNATURES: I AGREE TO tHE TERMS OF THIS NOTE
Topeka, KS & possibly Commercial Security Agreement     (INCLUDING THOSE ON PAGE 2). I have received a copy on
for substituted collateral.                             today's date.

(This section is for your  internal use.  Failure to
list a separate security document does not mean the     First American Capital Corporation
agreement will not secure this note.)
----------------------------------------------------

Signature for Lender                                             /s/ John F. Van Engelen
                                                           -----------------------------------------------------
                                                           John F. Van Engelen

    /s/ Michael Lowery
---------------------------------------------              --------------------------------------------------
Michael Lowry, President

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

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

</TABLE>

                                       2
<PAGE>

DEFINITIONS:  As used on page 1, "[x]"  means the terms that apply to this loan.
"I," "me" or "my" means each  Borrower who signs this note and each other person
or legal entity (including  guarantors,  endorsers,  and sureties) who agrees to
pay this note (together  referred to as "us").  "You" or "your" means the Lender
and its successors and assigns.

APPLICABLE  LAW:  The law of the state in which you are located will govern this
note.  Any term of this note which is  contrary  to  applicable  law will not be
effective,  unless the law permits you and me to agree to such a  variation.  If
any provision of this agreement cannot be enforced  according to its terms, this
fact will not affect the  enforceability of the remainder of this agreement.  No
modification of this agreement may be made without your express written consent.
Time is of the essence in this agreement.

COMMISSIONS  OR OTHER  REMUNERATION:  I understand  and agree that any insurance
premiums  paid to insurance  companies  as part of this note will involve  money
retained by you or paid back to you as commissions or other remuneration.

     In  addition,  I  understand  and agree that some other  payments  to third
parties as part of this note may also involve money retained by you or paid back
to you as commissions or other remuneration.

PAYMENTS:  Each  payment I make on this note will first  reduce the amount I owe
you for charges which are neither interest nor principal.  The remainder of each
payment will then reduce accrued unpaid interest, and then unpaid principal.  If
you and I agree to a different  application  of payments,  we will  describe our
agreement  on this note.  I may prepay a part of, or the entire  balance of this
loan  without  penalty,  unless we specify  to the  contrary  on this note.  Any
partial  prepayment will not excuse or reduce any later scheduled  payment until
this note is paid in full (unless,  when I make the prepayment,  you and I agree
in writing to the contrary.)

INTEREST:  Interest accrues on the principal remaining unpaid from time to time,
until paid in full.  If I receive the  principal in more than one advance,  each
advance  will  start to earn  interest  only when I  receive  the  advance.  The
interest  rate in effect on this note at any given time will apply to the entire
principal advanced at that time.  Notwithstanding anything to the contrary, I do
not agree to pay and you do not  intend to charge any rate of  interest  that is
higher than the maximum rate of interest you could charge under  applicable  law
for the  extension  of credit  that is agreed  to here  (either  before or after
maturity).  If any  notice  of  interest  accrual  is sent and is in  error,  we
mutually  agree to correct it, and if you actually  collect more  interest  than
allowed by law and this agreement, you agree to refund it to me.

INDEX  RATE:  The index will serve only as a device for setting the rate on this
note. You do not guarantee by selecting this index, or the margin, that the rate
on this  note will be the same  rate you  charge on any other  loans or class of
loans to me or other borrowers.

ACCRUAL  METHOD:  The  amount of  interest  that I will pay on this loan will be
calculated  using the interest rate and accrual  method stated on page 1 of this
note. For the purpose of interest calculation, the accrual method will determine
the number of days in a "year." If no accrual method is stated, then you may use
any reasonable accrual method for calculating interest.

POST  MATURITY  RATE:  For purposes of deciding  when the "Post  Maturity  Rate"
(shown  on page 1)  applies,  the  term  "maturity"  means  the date of the last
scheduled  payment  indicated on page 1 of this note or the date you  accelerate
payment on the note, whichever is earlier.

SINGLE  ADVANCE  LOANS:  If this is a single advance loan, you and I expect that
you will make only one advance of principal.  However, you may add other amounts
to the principal if you make any payments  described in the "PAYMENTS BY LENDER"
paragraph below.

MULTIPLE  ADVANCE  LOANS:  If this is a multiple  advance loan, you and I expect
that you will make more than one  advance  of  principal.  If this is closed and
credit,  repaying a part of the  principal  will not  entitle  me to  additional
credit.

                                       3
<PAGE>

PAYMENTS BY LENDER:  If you are  authorized  to pay, on my behalf,  charges I am
obligated to pay (such as property insurance premiums), then you may treat those
payments made by you as advances and add them to the unpaid principal under this
note, or you may demand immediate payment of the charges.

SET-OFF: I agree that you may set off any amount due and payable under this note
against any right I have to receive money from you.

     "Right to receive money from you" means:
     (1)  any deposit account balance I have with you;
     (2) any money owed to me on an item presented to you or in your possession
     for collection or exchange; and (3) any repurchase agreement or other
     nondeposit obligation.

     "Any  amount due and  payable  under this note"  means the total  amount of
which you are  entitled  to demand  payment  under the terms of this note at the
time you set off.  This total  includes  any  balance the due date for which you
properly accelerate under this note.

     If my right to receive  money from you is also owned by someone who has not
agreed to pay this note,  your right of set-off will apply to my interest in the
obligation  and to any other  amounts I could  withdraw  on my sole  request  or
endorsement.  Your  right of  set-off  does not  apply  to an  account  or other
obligation where my rights are only as a representative.  It also does not apply
to any Individual Retirement Account or other tax-deferred retirement account.

     You will not be liable  for the  dishonor  of any check  when the  dishonor
occurs because you set off this debt against any of my accounts. I agree to hold
you harmless  from any such claims  arising as a result of your exercise of your
right of set-off.

REAL ESTATE OR RESIDENCE  SECURITY:  If this note is secured by real estate or a
residence  that is  personal  property,  the  existence  of a  default  and your
remedies for such a default will be determined  by applicable  law, by the terms
of any separate instrument creating the security interest and, to the extent not
prohibited  by law  and not  contrary  to the  terms  of the  separate  security
instrument, by the "Default" and "Remedies" paragraphs herein.

DEFAULT:  I will be in default if any one or more of the following  occur: (1) I
fail to make a  payment  on time or in the  amount  due;  (2) I fail to keep the
property insured,  if required;  (3) I fail to pay, or keep any promise,  on any
debt or  agreement I have with you; (4) any other  creditor of mine  attempts to
collect any debt I owe him  through  court  proceedings;  (5) I die, am declared
incompetent,  make an  assignment  for  the  benefit  of  creditors,  or  become
insolvent (either because my liabilities  exceed my assets or I am unable to pay
my debts as they become  due);  (6) I make any written  statement or provide any
financial  information that is untrue or inaccurate at the time it was provided;
(2) I do or fail to do something  which causes you to believe that you will have
difficulty  collecting  the amount I owe you; (8) any  collateral  securing this
note is used in a manner  or for a purpose  which  threatens  confiscation  by a
legal authority; (9) I change my name or assume an additional name without first
notifying you before making such a change;  (10) I fail to plant,  cultivate and
harvest crops in due season if I am a producer of crops;  (11) any loan proceeds
are used for a purpose  that will  contribute  to  excessive  erosion  of highly
erodible  land or to the  conversion  of  wetlands  to produce  an  agricultural
commodity, as further explained in 7 C.F.R. Part 1940, Subpart G, Exhibit M.

REMEDIES:  If I am in default on this note you have, but are not limited to, the
following remedies:

     (1)  You may  demand  immediate  payment  of all I owe you under  this note
          (principal, accrued unpaid interest and other accrued charges).
     (2)  You may set off this debt  against  any right I have to the payment of
          money  from  you,  subject  to the  terms of the  "Set-Off"  paragraph
          herein.
     (3)  You may demand security, additional security, or additional parties to
          be obligated  to pay this note as a condition  for not using any other
          remedy.
     (4)  You may refuse to make advances to me or allow  purchases on credit by
          me.
     (5)  You may use any remedy you have under state or federal law.

                                       4
<PAGE>

By selecting any one or more of these  remedies you do not give up your right to
later use any other  remedy.  By waiving  your right to declare an event to be a
default, you do not waive your right to later consider the event as a default if
it continues or happens again.

COLLECTION  COSTS AND  ATTORNEY'S  FEES: I agree to pay all costs of collection,
replevin or any other or similar  type of cost if I am in default.  In addition,
if you hire an  attorney to collect  this note,  I also agree to pay any fee you
incur with such attorney  plus court costs (except where  prohibited by law). To
the extent  permitted by the United States  Bankruptcy Code, I also agree to pay
the  reasonable  attorney's  fees and costs you  incur to  collect  this debt as
awarded by any court exercising jurisdiction under the Bankruptcy Code.

WAIVER: I give up my rights to require you to do certain things. I will not
     require you to:

     (1)  demand payment of amounts due (presentment);
     (2)  obtain official certification of nonpayment (protest); or
     (3)  give notice that amounts due have not been paid (notice of dishonor).
     I  waive  any  defenses  I  have  based  on  suretyship  or  impairment  of
     collateral.

OBLIGATIONS INDEPENDENT:  I understand that I must pay this note even if someone
else has also agreed to pay it (by, for example, signing this form or a separate
guarantee or endorsement). You may sue me alone, or anyone else who is obligated
on this note, or any number of us together,  to collect this note. You may do so
without  any  notice  that it has not been paid  (notice of  dishonor).  You may
without notice release any party to this agreement  without  releasing any other
party. If you give up any of your rights,  with or without  notice,  it will not
affect my duty to this note by all or less  than all of us will not  release  me
from my duty to pay it. (Of  course,  you are  entitled  to only one  payment in
full.)  I agree  that  you may at  your  option  extend  this  note or the  debt
represented by this note, or any portion of the note or debt,  from time to time
without  limit or notice and for any term without  affecting  my  liability  for
payment  of the note.  I will not  assign my  obligation  under  this  agreement
without your prior written approval.

FINANCIAL INFORMATION: Language Omitted.

NOTICE:  Unless  otherwise  required by law,  any notice to me shall be given by
delivering  it or by mailing it by first class mail  addressed to me at any last
known address. My current address is on page 1. I agree to inform you in writing
of any change in my  address.  I will give any notice to you by mailing it first
class  to your  address  stated  on page 1 of this  agreement,  or to any  other
address that you have designated.

<TABLE>
<CAPTION>
<S>                <C>           <C>            <C>            <C>           <C>           <C>           <C>

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     DATE OF        PRINCIPAL     BORROWER'S      PRINCIPAL     PRINCIPAL      INTEREST      INTEREST      INTEREST
   TRANSACTION       ADVANCE       INITIALS       PAYMENTS       BALANCE         RATE        PAYMENTS        PAID
                                     (not                                                                  THROUGH:
                                   required)
------------------ ------------- -------------- -------------- ------------- ------------- ------------- -------------
                   $                            $              $                        %  $
------------------ ------------- -------------- -------------- ------------- ------------- ------------- -------------
                   $                            $              $                        %  $
------------------ ------------- -------------- -------------- ------------- ------------- ------------- -------------
                   $                            $              $                        %  $
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                   $                            $              $                        %  $
------------------ ------------- -------------- -------------- ------------- ------------- ------------- -------------
                   $                            $              $                        %  $
------------------ ------------- -------------- -------------- ------------- ------------- ------------- -------------
                   $                            $              $                        %  $
------------------ ------------- -------------- -------------- ------------- ------------- ------------- -------------
                   $                            $              $                        %  $
------------------ ------------- -------------- -------------- ------------- ------------- ------------- -------------
                   $                            $              $                        %  $
------------------ ------------- -------------- -------------- ------------- ------------- ------------- -------------
                   $                            $              $                        %  $
------------------ ------------- -------------- -------------- ------------- ------------- ------------- -------------
                   $                            $              $                        %  $
------------------ ------------- -------------- -------------- ------------- ------------- ------------- -------------
                   $                            $              $                        %  $
------------------ ------------- -------------- -------------- ------------- ------------- ------------- -------------

</TABLE>

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