For value received, NxOpinion, LLC, a Nevada limited liability company (“Maker”) promises to pay to the
order of , (“Payee”), or [his] [her] [its] successors or permitted assigns, at such place as Payee may
designate in writing, the principal amount of DOLLARS ($_____), or, if less, so much thereof as
may be advanced by Payee to Maker, in lawful money of the United States of America, to bear interest and be
payable as follows:
Interest shall accrue at the rate of eleven percent (11%) per annum on the unpaid principal balance of this
Note commencing as of (“Issue Date”). This Note shall mature on June 30, 2010 (“Maturity Date”).
The unpaid principal and accrued interest on this Note from the Issue Date through the Maturity Date shall be
due and payable in a single lump sum on or before the close of business on the Maturity Date, and any amount of
principal or accrued interest not paid on the Maturity Date shall bear interest from and after the Maturity Date until
paid at the rate of sixteen percent (16%) per annum (rather than 11% per annum) to the fullest extent permitted by
Maker hereby waives notice of non-payment, presentment, dishonor, protest, acceleration or any other notice,
except as otherwise provided herein.
This Note may not be assigned by Payee without the prior written consent of Maker. Maker may not assign
this note without the prior written consent of Payee.
Whenever possible, each provision of this Note shall be interpreted in such manner as to be effective and valid
under applicable law. If any provision of this Note is determined by a court of competent jurisdiction to be illegal,
invalid or unenforceable, such illegality, invalidity or unenforceability shall not affect the other provisions hereof,
which shall remain binding and enforceable. This Note is not intended to impose upon Maker any obligation to pay
interest in excess of the maximum rate of interest permitted by applic