PROMISSORY NOTE

JURISDICTION: georgia, United States
PRINCIPAL AMOUNT: [PRINCIPAL LOAN AMOUNT]
DATE OF EXECUTION: November 2, 2026

FOR VALUE RECEIVED, the undersigned Borrower, [BORROWER FULL NAME] ("Borrower"), promises to pay to the order of [LENDER FULL NAME / INSTITUTION] ("Lender"), the principal sum of [PRINCIPAL LOAN AMOUNT], together with simple interest on the unpaid principal balance at an annual rate of [ANNUAL INTEREST RATE (%)]%.

1. REPAYMENT TERMS

• Repayment Plan: [REPAYMENT STRUCTURE].
• Maturity Date: The entire unpaid principal amount plus all accrued interest shall be due and fully payable on or before [FINAL MATURITY DATE].

2. PREPAYMENT

Borrower reserves the right to prepay this Note, in whole or in part, at any time prior to maturity without penalty or premium.

3. DEFAULT & ACCELERATION

If Borrower fails to make any payment when due and such default continues for more than fifteen (15) days after written notice, Lender may declare the entire unpaid balance immediately due and payable without further demand.

4. GOVERNING LAW

This Note is executed under and shall be governed by the laws of the georgia.

BORROWER SIGNATURE

Signature: _____________________________________
Printed Name: [BORROWER FULL NAME]
Date: ________________________