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L/�%�, C ,r e r'L` r f 7 I ;— j¢ EXHIBIT A
<br />l PROMISSORY NOTE 200205692
<br />Pr!nclpai Loan .Date Maturity Loan No I Cali I Collateral Account Officer Initials !
<br />I
<br />$385,000,00 11-03-200 0 111-01-2005 768848 4 3 562325 80
<br />11 I DeL e cos In me nadeJ a w a fo Len per I use on and d net I a tie aophccalla, of tl dd_u e Lam: pen.ma da n or hem
<br />Borrower: DOLPHIN ENTERPRISES NEBRASKA. LLC (TIN: Lender: Five Points Bank 11 �e PE1 x
<br />38- 1237090); ET, AL Main Bank Il 1 1
<br />21a7 W 2ND ST, 2015 North Broadwell
<br />GRAND ISLAND. NE 6 8 8 0 3 -5311 Grand Island. NE 68802•,
<br />Principal Amount: $385.000.00 Interest Rate: 9.850 °o Date of Note: November 3. 2000
<br />PROMISE TO PAY. DOLPHIN ENTERPRISES NEBRASKA.I AHMED M KAMAL SABEDA BEGUM, MOHAMMAD SALAD UDDIN and JAINAL
<br />A CHOWDHURY (referred to In this Note individually and collectively as "Borrower ") jointly and severally promise to pap !d Five Points Bank
<br />( "Lentler" ), or order. in lawful money of the United States of America the principal amount of Three Hundred Eighty Five Thousand & 00/109
<br />Dollars ($386.000.00), together with interest at the rate of 9.850% per annum on the unpaid principal balance front November 3. 2000. until paid
<br />in full.
<br />PAYMENT. Borrower will pay this loan on demand. or If no demand is made, in 59 regular payments of $4.098.98 each and one Integrator last
<br />payment estimated at $316.279.36. Borrowers first payment is due December 1. 2000, and all subsequent payments are due on the same day
<br />of each month after that Borrower's final payment due November L. 2006. will be for all principal and all accrued interest not yet paid.
<br />Payments include principal and Interest narrower will I lenner it Lentler's address remsr, aoove or at such other plan. as Lender, may
<br />designate r orfimI J 'Y c'wg, q e=c or mgWr d Le app ionsI2Ian, payment. will be aon-p fusl o stet Pd inuchO sweet metric principal,
<br />antl an} rasa tiny an , erlp J e v.I _Fs let- .. e
<br />PREPAYMENT.. MINIMUM INTEREST CHARGE. In env event. even upon full prepayment of this Note. Borrower understands that Lender is milled
<br />to a minimum interest charge of $10.00. Other than Borrower's obligation to pay any minimum interest charge, Borrower may pay without penalty all
<br />or a portion of the emourn owed eerhet Than II is due. Early payments will not, unless agreed to by'.cnder is writing, relieve Borrower of Rorrowe 's
<br />obligation to continue to mane payments under the paorpon schedule. Ratner, Ihe, will reduce the principal balance one antl may 25u1t e Bpnpwer
<br />making fewer payments.
<br />LATE CHARGE. II e payment a 15 days or more late. Borrower wh be charged 6,000% of the regularly scheduled payment Or $5.00, whichever
<br />is greater.
<br />DEFAULT. Borrower will be In naf-du8 If any of the mil owino happens; (at Dorawar fails to make any payment when due. (b) Borrower breaks any
<br />promise Borrower has made to Lance. ar narrower felw I comply with Or to senior in when due any other term, obligation. covenant, or pon pit on
<br />contained in this Note or any agreerna t frodded an bfe Note or in any into agreement or Our 90 rower has with Lender. (al Any repmsorsf Or Or
<br />statement made or furnished to Lender by borrow, r On Borowers behalf 6 false m r usieadmy a ny eite id
<br />end respect a tar now or ri
<br />or the me
<br />made , furnished fd Borrowe n moon (becomess e' whether election to continue is fer a. any member withdraws from Borowe[ eny member
<br />arcs Or any r the -robots ed pennon r becomes pis onf. a ter, i Is kv Ported inr any pad of Borrower's prop.dq- Borrower makes an
<br />InIo
<br />assignment for fish careful of take a; d t v prpr e p-cq is eanor in ed 3h Le by Remade" pl against [Farrow ^_t pntle• any bona rani or tit valley
<br />laws (.I Any creditor trigs ac take any m Borrowers de Ties on n m which Lander read hen ib wintry Interest This Includes a with respect t of any
<br />or d onovmL accounts with ender ^,i Any guarantor disc m any Of the other events described in o This default section occurs with rasped to any
<br />guarantor of this Nom. raj i ms impaired. adverse cbange on. n Borrowers n F,,al condition, or Lender believes the prospect of payment or To)
<br />performance of the Indebtedness is unpaved. pij Lender in good :eitb deems Itself Insecure.
<br />LENDER'S RIGHTS. Upon default. Lender may declare file antis unpaid principal balance on Cis Note and all eouuea unpsrd interest unnediemly
<br />duo without notice, and then onlooker will may that amount. Upon default. !aduding failure to pay upon final maturity, Lentler, at as patch, may eiso, it
<br />permuted under applicable law rr,aerrpkr the interest she on this Note to 19.01 per ern im. The interest are will not exceed the maximum rate
<br />permitted by eootcable Few. Lender Trilly him or pay someone else to help opIical iris Net, If Bovwer does net pay . ndrmwe eiso will pay under
<br />the amount. TM1La includes. subject to any expenses inner applicable m pop law_ proceedings (including cuomeng fees and Lender's legal expenses
<br />any a t whether or not Here is e
<br />lawsuit, band say attorneys foes and legal expenses inr er,op pa If of prohibited by aping efforts to modify or vacate any eulomatcstay or in ajdonl.
<br />to all of and any anticipated slob JuT e r collection vices. If not prohibited by applicable law, Bonower also will to any roar; costs. in ere i a
<br />to all other Burns agrees p law. This Note has been delivered to Lender and the courts by Lentler in the State to Nebraska- If there Is e
<br />lawsuit, Borrower agrees cons Lender's request to with it, bF the jpnedl000n of the courts of Hall County, the State of Nebraska. This Note
<br />Shat! be governed by and een;L•uad in accordc,!ce with Ills Iavrs of ire 51ntc at Nebraska.
<br />DISHONORED ITEM FEE. Borrower will pay a tee is I ender of $12.00 If Borrower makes a payment on Bonower's ban and the check or
<br />gmddkonted charge will, whet Borrower pays d later dishonored
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<br />RIGHT OF SETOFF. Borrower grants to Lender a contactual security Interest In, and hereby sssgns. c xrevess. delivers, pledges, and Torpors to
<br />Londe: II Borrow,. I naht title and inr_ In and in o i eecounis with LF,dat (wheths, chacrtng, savings. or some diner account), nciodmg
<br />ymahcul falls, or, 0Ir e u 6 held lair fly rr �Tomaone -Is" and all accounts Bonower may oper in the t ve. exdudng however st IRA and Keogh
<br />coconuts, and all trust accounts for which the grant of e sscocfy interest would be prombhed by is Borrower authorizes Lender. to fns extent
<br />our in by sopII -an le law, to .. -harge or setoff all sums owing on this Nor. agmarrot any and all , no IF A. A un to at J, el Lenders opton, to
<br />adhe I rustrali very tease' an a, I I j ato to allow LIr 1 J or I- Libtatl Lends -s a hark a a n Of sat oE rgMS provillied as this paragraph.
<br />COLLATERAL. This Nate Is secured by DEED OF TRUST DATED 11 -0'd -2000 AND SE CJH!,Y FG9EEM E NT DATED 11 -03 -2000.
<br />GENERAL PROVISIONS. This Note L payable en dam 1 The Innfit_sl. F, of _p aific her„ 1n'. 0,oviatans fir rig did of Lender shall not preclude Lenders
<br />right to declare payment of ens ads on Its demand. Lender may delay or forgu enforcing any of its rights Or remedies under this Net. without losing
<br />them- Each Rumnwer understands antl agrees anon, with or m'hhout notice to Borrower. Lender may with respect to any other Borrower (a) hunks nee
<br />or more additional sc,u id or unaeci ed Isms or otherwise axtand add Irenal sadir (n' alter- compromise, renew, e.ta,,d accelerate, R pth.ran,
<br />charge one or more 1 r s the time i payment o ,
<br />shu Term =_ any Indebtedness including Increases and decreases of the Isle of r n she
<br />indebtedness: AT exchange. enforce, Ordinal- of or decide Far to perteu, e e my with Or wither, the substitution of new
<br />.ghale: al; (di apply such. security and duser the order or Frontier of sale thereof. rnolud .abut thermpri. any tong d o al sate permuted by the
<br />L.rmS of the cdnt,drad u,,tv talcum =_ntv. as Londe; in its deraptlnn may recrands; (e) release, slhad We, ag fie I It to sue. .1 deal with any One o'
<br />Trans IF Bo sr 0fics mrichil sci or ether quamm ors on any Terms or in any III Lender may choose', and It) determine res, p, en arc
<br />what application of payments and credits shall be made It an, older rIdsoulaJussx owing by such other hcrrow.r. Borrower and any other person
<br />who signs, r grantees or endorses this Note, lc pie extent allowed by law, weave presena..rent demand to, partrhemt protect and notice of drT,nor
<br />Upon any charge 19 the farm, Of this Note, and ROSS orh.rwi,s expressly stated in writing. no party 'she ' 6 Fre NOie, WhothroF do mane: guarantor,
<br />acyuuirrOddllttl, make - o - endorser , shall be skagood from liability. All seed pares agrns char Lender may renew or extend Irepeaaddly and for any
<br />length of time) this loan, or release any party Or AUdIstritor or nRlrah al, or ipair, DjI to realize upon or perfect Lenders security Interest In the atllatnral;
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