Installment Loan and Security Agreement.

This agreement, dated Insert Date, is between James C. Murray, hereinafter referred to as Lender, and Insert Name, hereinafter referred to as Borrower. Lender has agreed to loan Borrower the stated sum of Dollars and No Cents ($0.00) Borrower(s) agree to repay Lender a total amount of Insert Amount in Number equal and consecutive payments of Insert Amount ($0.00), due and payable on Insert Date, respectively and a final payment of Insert Amount ($0.00) due and payable on Insert Date Borrower(s) agree to list and provide copies of a valid state drivers license or Identification card and copy of borrowers social security number. Borrowers State Drivers License No. ____________________________, and Social Security No.______________________________ For the purposes of securing this loan, the Borrower(s) agree to the following conditions and terms of this Agreement. 1.Promise to Pay. Borrower(s) promises to pay Lender in immediately available United States currency, the total payments shown in the aforementioned amount at lenders address when due in accordance with the payment schedule show above until the amount financed have been fully repaid, together with any cost incurred by Lender in foreclosing upon its lien. 2.Collateral. To secure the Borrower(s) obligations under this agreement and any extensions of renewals thereof Borrower(s) hereby grants to Lender a security interest in the Motor Vehicle described below, all accessories and accessions to the Motor Vehicle, and all proceeds related thereto, including all insurance proceeds or refunds of insurance premiums related to the Motor Vehicle. All such property hereinto referred to as Collateral. As Collateral for this loan, Borrower(s) have pledged an Insert Property Description, Title No.________________________, and Vehicle ID. No.____________________________ hereinafter referred to as Vehicle. 3.Interest Calculation. Interest under this agreement will be calculated on a simple interest basis and shale accrue at a daily rate of 1/365 of the Annual Percentage Rate, multiplied by the unpaid balance (amount financed less the amount it has been reduced by payments) for each day that any amount remains due Lender. All payments shall be applied first to accrued interest, then any cost due Lender other then the unpaid principle amount, and finally to the unpaid principle amount. The Annual Percentage Rate (APR) will be 12.0% 4.Extensions. Unless the Borrower(s) has repaid all obligations under this agreement in full, surrendered the Motor Vehicle, has been sent notice of Lenders intention not to renew this agreement, or has defaulted under this agreement, the Lender shall automatically extend from month to month the due date of the amount financed until so terminated. 5. Borrowers Representations and Warranties. Borrower(s) represent and warrants that the Borrower(s) has the right to enter into this agreement, is at least 18 years of age, and understands that no credit insurance is offered with this agreement. Borrower represents and warrants that the Motor Vehicle is not stolen, has no liens or encumbrances against it, that Borrower will not attempt to transfer any interest in the Motor Vehicle until all obligations under this agreement have been paid in full, and that the Motor Vehicle will not be moved from Borrowers state of residence. Borrower further warrants that until such time all amounts due hereunder are fully repaid, Borrower(s) will not attempt to see a duplicate title to the Motor Vehicle. 6.General. Borrower(s) will deposit a duplicate set of keys to the Motor Vehicle upon execution of this agreement; (b) Borrower(s) agrees to pay the maximum amount allowed by law plus any actual expenses incurred in connection with any check given to Lender which is not honored for any reason; (c) Borrower(s)

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shall bear the entire risk of loss or damage to the Motor Vehicle while it is in Borrower(s) possession and agrees to indemnify and hold Lender harmless from any and all claims for property damages or personal injuries arising from the operation of the Motor Vehicle, including but not limited to, all judgments, attorneys fees, court cost, and any incurred expenses; (d) If more then one Borrower executes this agreement, each Borrower(s) will be jointly and severally liable; (e) time is of the essence of this agreement; and (f) this agreement constitutes the entire agreement between the parties and no other agreements, representations or warranties or than those stated herein shall be binding unless reduced in writing and signed by all parties. 7. Event of Default. You will be in default under this agreement if, (a) you fail to make payment of any amount owing under this agreement; (b) you provide false or misleading information about yourself, your employment or your financial condition prior to entering into this agreement; (c) you fail to uphold any other promise or agreement you have made with Lender in this agreement; (d) any of the following things happen to Borrower(s): death, failure to pay any of your debts as they come due, appointment of or taking possession by a receive or other custodian of any of your property, or the commencement of a case under the Federal Bankruptcy Laws by or against you as a debtor. 8. Lenders Rights in the Event of Default. Upon the occurrence of any event of default, the Lender may at its option, and without notice or demand, do any one or more of the following: (a) declare the whole outstanding balance due under this agreement due and payable at once and proceed to collect it; (b) foreclose upon its lien, including repossession and liquidation of any Collateral securing this agreement according to law; (c) exercise all other rights, powers, and remedies given by law: and (d) recover from Borrower(s) all charges, cost, and expenses including all collection cost and reasonable attorneys fees incurred or paid by the Lender in exercising any right, power, or remedy provided by this agreement or by law, together with interest on such collection cost and fees at a rate equal to the Annual Percentage Rate. In the event of monetary or non-monetary default, the fianc charge shall continue to accrue until the Amount Financed; together with all accrued and unpaid finance charges and costs are fully repaid. 9. Notices. Any notice that Lender is required to provide under this agreement or applicable law will be declared reasonable if sent to Borrower(s) at the address set forth via certified mail, return receipt requested. Each notice will become effective Five (5) days after it is mailed. All correspondences will be sent to the following addresses respectively, LENDER: James C. Murray PO Box 737 Charleston, IL 61920-0737 BORROWER(S): Insert Name Insert Address City State & Zip

10.Governeing Law. This agreement shall be construed, applied and governed by the internal laws of the State of Illinois. The unenforceability or invalidity of any portion of this agreement shall not render unenforceable or invalid the remaining portions hereof. 11.Arbitration and Waiver of Jury Trial. Any and all disputes between the parties of this Agreement, or any prior Agreement between them (except the Lenders right to enforce the Borrowers payment obligation in the event of default, by judicial or other process, including self-help repossession) shall be submitted to binding arbitration in accordance with the Commercial Arbitration Rules of the American Arbitration Associations and shall take place in Cook County, Illinois. Any court of competent jurisdiction may enter judgment on the arbitrators award. Each party waives all rights to a jury trial, whether the claim is submitted to arbitration or decided by a court. The Arbitrator shall determine any issue as to whether this Agreement is subject to arbitration. The parties agree that this Agreement evidences a transaction involving commerce under the Federal Arbitration Act and each party hereby waives any right to claim otherwise. Borrower(s) acknowledge and pledge to Lender all terms, conditions, and security are in full force and all parties have read this entire Agreement and acknowledge the understanding of all terms and conditions. All parties further pledge and recognize their obligations under this agreement to be binding.

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Dated: _________________

____________________________________ Insert Name, Borrower

Witness By: ______________________________

Dated: _________________

____________________________________ Insert Name, Lender

NOTARY ACKNOWLEDGMENT STATE OF ILLINOIS COUNTY OF JACKSON ) ) SS: ) I, the undersigned, a Notary Public, in and for said County, in the State aforesaid, DO HEREBY CERTIFY THAT_____________________ _________________________________________________________________ Personally known to me to be the same person(s) whose name(s) are subscribed to the foregoing instrument, appeared before me this day in person and severally acknowledged that they signed, sealed and delivered the said instrument as their free and voluntary act, for the uses and purposes therein set forth. GIVEN under my hand and Notaries Seal, this ________ day of __________________________, 1996 ________________________________________
Notary Public

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