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Promissory Demand Note Cover Letters

For assessment expected, the undersigned, Mr. Tom Michel (the “Borrower”), hereby recognize itself obliged to Mr. Jack Copeland (the “Lender”) and guarantee to pay ON DEMAND to or to the organize of the Lender at 212,21 Old Tower, Row Street, New York. amount of loan is $72000 in legal money of United States of America with interest thereon at a changeable rate per annum equal to the rate of interest generally known as the prime rate of interest declared from time to time by ABC Bank as a orientation rate then in consequence for influential interest rates plus prime rate amount calculated and payable monthly, , on the 1st day of each and every month, starting March 1, 2007, and both before and after demand until paid.

The Lender may allocate all of its right, name and significance in, to and under this promissory note. All costs necessary to be made at this time within shall be made by the Borrower with no any right of set-off .

DATED: March 1, 2007

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