Non-Negotiable Promissory Note

US $______day of _____, 200__

1LOAN AMOUNT AND TERMS OF REPAYMENT. FOR VALUE RECEIVED, the undersigned, Name of Child ("Maker"), promises to pay to Name of Parent ("Lender") the principal sum of ______Dollars, together with interest thereon at the rate of _____, in equal monthly installments in the amount of $______due on the first of each month commencing ______and ending on ______at the Lender's address listed below, or such other place as the Lender may designate.

2NON-ASSIGNABLE. This Note, and all rights under it, are non-negotiable, non- assignable, and not otherwise transferable in any way by the Lender. The Maker shall not have any obligation to make any payments under this Note to anyone other than the Lender, or her estate if the Lender is deceased.

3NO PREPAYMENT. Maker shall not have the right to prepay interest and/or principal in whole or in part.

4NON-CANCELLATION. It is expressly understood that this Note prohibits the cancellation of the balance upon the death of the Lender or at any other time. Upon death of the Lender during the term of this Note, any and all remaining payments due under the Note shall be made to Lender=s estate.

5WAIVER OF PRESENTMENT, NOTICE OF DISHONOR AND PROTEST. Presentment, notice of dishonor, and protest are hereby waived by Maker. Maker also waives and renounces for herself and her heirs and assigns any and all homestead and exemption rights she may have by virtue of the laws of the Commonwealth of Virginia and the United States. This Note shall be binding on Maker and her heirs and assigns.

6GOVERNING LAW. This Note shall be governed under the terms of the Commonwealth of Virginia.

7ENTIRE AGREEMENT. This Agreement represents the entire agreement between the Parties.

8NOTICES. All notices given under any of the provisions of this Note shall be deemed to have been given by one party to another if mailed by certified mail, return receipt requested, to:

Maker's Address:

Lender's Address:

or such other address as one party may designate by written notice to the other party.

IN WITNESS WHEREOF, the provisions of this Promissory Note dated this29th day of June, 2006, shall bind Maker and Lender.

Maker:

______

Name of Child

Lender:

______

Name of Parent

Commonwealth of Virginia
City of Fairfax / }
} / To-Wit:

I CERTIFY that on this 29th day of June, 2006, Child personally came before me and acknowledged under oath, to my satisfaction, that this person:

(a)is named in and personally signed the attached document; and

(b)signed, sealed and delivered this document as her act and deed.

______

Notary Public

My commission expires:

Commonwealth of Virginia
City of Fairfax / }
} / To-Wit:

I CERTIFY that on this 29th day of June, 2006, Parent came before me and acknowledged under oath, to my satisfaction, that this person:

(a)is named in and personally signed the attached document; and

(b)signed, sealed and delivered this document as her act and deed.

______

Notary Public

My commission expires: