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Term. The term of this Promissory Note (this “Note”) shall be   from the date of this Note (the “Term”) . More particularly, the Term shall commence on the date hereof and shall end on   (the \"Maturity Date\") .  \n2. Interest. (Check Applicable) (the box indicated below shall hereinafter be referred to as the “Normal Rate”):  \na. ☐ Throughout the Term and so long as there is no Event of Default, interest will accrue on the outstanding principal balance of this Note at a fixed interest rate equal to   % per annum. All interest accruals shall be computed based on a per-day rate derived from the Normal Rate divided by a hypothetical three hundred sixty (360) day year times the actual number of days elapsed.  \nb. ☐ Throughout the Term and so long as there is no Event of Default, interest will accrue on the outstanding principal balance of this Note as follows:    \nAny unpaid balance due hereunder shall bear interest after any Event of Default, after this Note matures, and/or after the unpaid balance has been reduced to judgment, at a rate equivalent to   % percent in excess of the Normal Rate or at the then applicable legal rate of interest on judgments in the State of North Carolina, whichever shall be higher; provided, however, that if such increased rate of interest may not be collected from the Borrower under applicable law, then the unpaid balance then due hereunder shall bear interest at the maximum increased rate of interest, if any, which may be collected from the Borrower under applicable law.  \n3. Amortization. The below repayment schedule calling for   payments of principal and interest during the term of this Note has been calculated so as to emulate a straight line amortization of principal at the Normal Rate over a   amortization period.  \n4. Repayment. (Check Applicable):  \na. ☐ Beginning on   , and continuing on the   day of each month thereafter during the Term of this Note, Borrower shall pay to Lender in immediately available funds, monthly installments of principal and interest in the amount of   and  /100 Dollars ($ ) . Unless sooner paid, on the Maturity Date, all outstanding principal and accrued and unpaid interest, costs, fees and charges shall be due and payable in full.  \nb. ☐ The principal and interest shall be due and payable as follows:    \n.  \n5. Late Charges. The Borrower further agrees to pay to the Lender immediately and without demand, a late charge equal to   % of the amount of any installments due hereunder which is not received by Lender on or before the   day from the date such installment was due and payable; provided, however, that if the   day shall fall upon a Saturday, Sunday or legal holiday in the State of North Carolina, such payment shall not be deemed late if received by the Lender on its next regular business day.  \n6. Other Charges. The Borrower agrees to pay to the Lender, with and in addition to each installment of principal and/or interest payable hereunder, such amounts, if any, as may be required to be paid by the Borrower to the Lender pursuant to the terms of any instrument securing this Note (“Other Charges”) .  \n7. Application of Payments. Any payments hereunder shall be applied by the Lender in the following order or priority: (i) Late Charges;  \n(ii) Other Charges; (iii) accrued i","cbCain3WWO6Mi7lU","https://ap.wps.com/l/cbCain3WWO6Mi7lU","pdf",129229,"English","# Term\n# Interest\n# Amortization\n# Repayment\n# Late Charges\n# Other Charges\n# Application of Payments\n# Prepayment\n# Security","[{\"question\":\"What repayment structure does the promissory note use?\",\"answer\":\"The note either provides monthly installments of principal and interest during the term, ending with full payment on the maturity date, or it lists an alternative payment arrangement when the corresponding option is checked.\"},{\"question\":\"How are interest and late charges calculated?\",\"answer\":\"Interest accrues on the outstanding principal based on the selected option, including a per-day computation using a 360-day year for the normal rate. Late charges apply to overdue installments if not received by the lender by the specified deadline, with a holiday/weekend exception.\"},{\"question\":\"Is the promissory note secured or unsecured?\",\"answer\":\"The note can be unsecured or secured by a deed of trust. If secured, it incorporates the deed of trust terms and identifies the collateral property as part of the arrangement.\"}]","PROMISSORY NOTE - Promissory Note | PDF",1789592974]