FORM OF SENIOR DEMAND NOTE SENIOR DEMAND NOTE No. ______ Toccoa, Georgia _, On Demand, for value received, 1st FRANKLIN FINANCIAL CORPORATION promises to pay ________________________________ at the home office of 1st...


	Exhibit 4(b)

FORM OF SENIOR DEMAND NOTE


SENIOR DEMAND NOTE

No. ____________	Toccoa, Georgia _____________,____


On Demand, for value received, 1^st FRANKLIN FINANCIAL CORPORATION promises to pay ______________________________________ at the home office of 1^st Franklin Financial Corporation, 000 Xxxx Xxxxxx Xxxxxx, Xxxxxx, Xxxxxxx, the principal amount of this Note, as represented from time to time on the books and records of 1^st Franklin Financial Corporation, and to pay interest thereon, at the applicable rate, compounded daily. 1^st Franklin Financial Corporation can call this Note for redemption at any time without penalty.

This Note is nonnegotiable and is transferable only on the books of 1^st Franklin Financial Corporation.

By: _________________________________ Chairman and Chief Executive Officer	By: _________________________________ Assistant Treasurer

THIS SECURITY IS NOT A BANK DEPOSIT OR SIMILAR OBLIGATION AND IS NOT INSURED BY THE FEDERAL DEPOSIT INSURANCE CORPORATION OR THE SECURITIES INVESTOR PROTECTION CORPORATION OR ANY OTHER FEDERAL OR STATE AGENCY.

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