CONVERTIBLE PROMISSORY NOTE
THIS SECURITY HAS NOT BEEN REGISTERED UNDER THE SECURITIES ACT OF 1933, AS
AMENDED (THE "ACT"), OR ANY STATE SECURITIES OR "BLU SKY" LAWS, AND MAY NOT BE
OFFERED, SOLD, ASSIGNED, TRANSFERRED, PLEDGED, OR OTHERWISE DISPOSED OF
UNLESS REGISTERED PURSUANT TO THE PROVISIONS OR SUCH ACT AND BLUE SKY LAWS
OR AN EXEMPTION THEREFROM IS AVAILABLE AS ESTABLISHED BY A WRITTEN OPINION
OF COUNSEL ACCEPTABLE TO THE MAKER.
ENTERPRISES SOLUTIONS, INC.
$100,000 Effective Date: 31 October 01
FOR VALUE RECEIVED, the undersigned, Enterprises Solutions, Inc., a Nevada corporation (the "Maker")
herby promises to pay to the order to Delta Mutual, Inc., (the "Payee"), the principal sum of not to exceed One
Hundred Thousand and 00/100 Dollars ($100,00), plus interest at a rate of ten percent (10%) per annum. All
interest accrued on the outstanding principal balance of this Promissory Note shall be due and payable as
The Maker herby agrees to pay the entire amount due hereunder, including principal and interest, on or before 31
March 2002 ("Maturity Date"), on which date all unpaid principal and interest due hereunder shall be paid in full.
All payments shall be applied first to interest on the unpaid balance and the remainder to principal. Maker may
pay the entire amount due; including interest accrued up to the date of payments at any time without penalty.
Interest hereon shall be calculated on the basis of a 360-day year prior to the actual number of days elapsed until
all accrued and unpaid interest is paid in full. All payments of principal and interest hereunder shall be payable in
lawful currency of the United States.
This Promissory Note is given in consideration of a loan by Payee to Maker in the principal amount of the
Promissory Note up to $100,000. This Promissory Note may not be changed orally, but only by an agreement in
writing signed by the parties against whom enforcement of any waiver, change, modification or discharge is