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                                    DEMAND FOR COLLATERAL





                Under an agreement dated ______________, 19__, you

        pledged certain collateral as security for the prompt repayment

        of a note of even date.  Presently, you are in default under the

        note because:


                As the holder of the note, and agreement, demand is

        hereby made of you to forthwith deliver up and surrender the

        collateral attached in Schedule "A" to this letter at



                                        Very truly yours,