Date: February 1, 2001 Principal: $90,000.00 Due Date., August 1, 2001
Pawn One Incorporated, 5880 West 44/th/ Avenue, Wheat Ridge, CO 80212, a Colorado corporation
(hereinafter referred to as the "Maker"), promises to pay to the order of U.S. Pawn, Inc., a Colorado
corporation (hereinafter referred to as the "Lender"), at c/o U.S. Remodelers, Inc., 750 State Highway 121
Bypass, Suite 170, Lewisville, Texas 75067, or at such other place as the Lender may designate, the principal
sum of $90,000.00, together with interest at the rate of 10% per annum.
Principal Payments. Maker shall repay the entire principal amount of this Promissory Note on August 1, 2001
(the "Due Date").
Interest Payments. Commencing with the date of this Promissory Note and
continuing until the Due Date, this Promissory Note shall bear interest on the outstanding principal at a rate of
10% per annum (on the basis of a 360-day year for the actual number of days elapsed) payable monthly on the
first day of each calendar month. In addition, this Promissory Note and all payments hereunder shall be payable
at the address set forth above for the Lender.
It is expressly understood that Maker may pay the entire principal and all accrued interest in advance of the Due
Date without penalty or fees.
Maker expressly agrees that upon failure to pay any sums herein specified when due, or the occurrence of an
event of default under this Promissory Note the entire principal debt, or so much thereof as may remain unpaid at
the time, together with all accrued interest, shall, at the continuing option of the Lender, become immediately due
and payable, and any sum not so paid when due shall bear interest at 15% per annum.
The Promissory Note is to be construed in accordance with the laws of Colorado. If any charges made in
connection with this loan or provisions hereof are judicially determined to be invalid, then the interest rate shall be
reduced to an amount which is legally permissible, and that