EXHIBIT 10(r)
NOTE
#___-98
$____________ EUGENE, OREGON
________________________, 199___ after date, I (or if more than one maker), we
jointly and severally, promise to pay to the order of ________________________
at ________________________; ________________________________________ DOLLARS,
With interest hereon at the rate of 12.000% per annum from March 26, 1998 until
paid; interest to be paid monthly and if so not paid, all the principal and
interest, at the option of the holder of this note, shall become immediately
due and collectable. Any part hereof may be paid at any time. If this note is
placed in the hands of an attorney for collection, I/we promise and agree to
pay holder's reasonable attorney's fees and collection costs, even though no
such suit or action is filed hereon; if a suit is filed, the amount of such
reasonable attorney's fees shall be fixed by the courts in which the suit or
action, including any appeal therein, is tried, heard or decided.
Other clauses: The funds shall be used only as capital for the operation of
Credit Concepts Inc.
Credit Concepts, Inc.
By:______________________________
Its President
