Loan Agreement - Automated Form

BETWEEN:	Weatherman Time, Inc (the 'Lender'), a corporation organized and existing under the laws of the state of Ohio with its head office located at: 20 North Broadway, Suite 1800, Cleveland, Ohio 44113-2241
AND:	Wood Crapo LLC (the 'Borrower'), a corporation organized and existing under the laws of the state of California with its head office located at: 2500 Terminal Tower, 50 Public Square, Sacramento, California 46107

1. PROMISE TO PAY

Within sixty months from today, Borrower promises to pay to Lender the sum of $70,000.00, and interest and other charges stated below.

2. RESPONSIBILITY

Although this Agreement may be signed below by more than one person, Borrower understands that we are each as individuals responsible for paying back the full amount.

3. BREAKDOWN OF LOAN

Amount of Loan: Other (Describe) Amount financed: Finance charge: Total of payments: Annual Rate:

4. REPAYMENT

This is how Borrower will repay: Borrower will repay the amount of this note in [NUMBER] equal uninterrupted monthly installments of [AMOUNT] each on the [DAY] of each month starting on the 24 August 2001, and ending on 04 August 2006.

5. PREPAYMENT

Borrower has the right to prepay the whole outstanding amount at any time. If Borrower does, or if this loan is refinanced – that is, replaced by a new note – Lender will refund the unearned finance charge, figured by the [RULE] – a commonly used formula for figuring rebates on installment loans

6. LATE CHARGE

Any installment not paid within [NUMBER] days of its due date shall be subject to a late charge of [%] of the payment, not to exceed [AMOUNT] for any such late installment.

7. SECURITY

To protect Lender, Borrower gives what is known as a security interest or mortgage in:

[DESCRIBE]

8. DEFAULT

If for any reason Borrower fail to make any payment on time, Borrower shall be in default. The Lender can then demand immediate payment of the entire remaining unpaid balance of this loan, without giving anyone further notice. If Borrower have not paid the full amount of the loan when the final payment is due, the Lender will charge me interest on the unpaid balance at [%] per year.

9. RIGHT OF OFFSET

If this loan becomes past due, the Lender will have the right to pay this laon from any deposit or security Borrower have with this Lender without notice to me. If the Lender gives me an extension of time to pay this loan, Borrower still must repay the entire loan.

10. COLLECTION FEES

If this note is placed with an attorney for collection, then Borrower agree to pay an attorney's fee of [%] of the unpaid balance. This fee will be added to the unpaid balance of the loan.

11. CO-BORROWERS

If Borrower is signing this Agreement as a co-borrower, Borrower agrees to be equally responsible with the Borrower for this loan.