This Note shall bear interest at the rate of twelve percent (12.0%) per annum, computed on a 365-day year basis, and shall accrue daily from the Note Issuance Date.  Interest shall be due and payable to the Holder with all unpaid principal on the Maturity Date.  Each payment shall be applied first to any fees, costs, or expenses of Holder, then to interest, and the balance to the Principal Amount.  Any interest payments due to the Holder hereunder shall be paid without withholding of any taxes or relief.