0001014108-00-000128 Sample Contracts

Demand Note -----------
Bixby Joseph R • August 3rd, 2000 • Life insurance

FOR VALUE RECEIVED, the undersigned, Nancy Bixby Hudson, Richard L. Finn, and C. John Malacarne, as trustees of the GST Trust for Nancy Bixby Hudson created by agreement dated December 18, 1997 (collectively, "Maker"), hereby promise to pay to the order of Joseph R. Bixby, as trustee of the Joseph R. Bixby Revocable Trust created by agreement dated December 18, 1997 ("Payee"), the principal sum of $11,033,333.33 on demand by Payee or, if demand is not sooner made by Payee, on or before December 31, 2019, together with interest on the unpaid balance thereof from the date hereof until maturity at the rate herein provided.

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Demand Note -----------
Demand Note • August 3rd, 2000 • Bixby Joseph R • Life insurance

FOR VALUE RECEIVED, the undersigned, Lee M. Vogel, Richard L. Finn, and C. John Malacarne, as trustees of the Issue Trust for Lee M. Vogel created by agreement dated December 18, 1997 (collectively, "Maker"), hereby promise to pay to the order of Joseph R. Bixby, as trustee of the Joseph R. Bixby Revocable Trust created by agreement dated December 18, 1997 ("Payee"), the principal sum of $11,033,333.34 on demand by Payee or, if demand is not sooner made by Payee, on or before December 31, 2019, together with interest on the unpaid balance thereof from the date hereof until maturity at the rate herein provided.

Demand Note -----------
Demand Note • August 3rd, 2000 • Bixby Joseph R • Life insurance

FOR VALUE RECEIVED, the undersigned, Nancy Bixby Hudson, Richard L. Finn, and C. John Malacarne, as trustees of the Issue Trust for Nancy Bixby Hudson created by agreement dated December 18, 1997 (collectively, "Maker"), hereby promise to pay to the order of Joseph R. Bixby, as trustee of the Joseph R. Bixby Revocable Trust created by agreement dated December 18, 1997 ("Payee"), the principal sum of $11,033,333.33 on demand by Payee or, if demand is not sooner made by Payee, on or before December 31, 2019, together with interest on the unpaid balance thereof from the date hereof until maturity at the rate herein provided.

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