The principal of this Note shall be due and payable in accordance with the schedule set forth on Appendix A , in the column entitled “Distributions to Selling Shareholders”.  The entire outstanding principal balance of this Note shall be due and payable no later than twelve (12) months following the date of this Note (plus the cure period set forth in this Note).  All payments hereunder shall be payable in lawful money of the United States of America which shall be legal tender for public and private debts at the time of payments.