10:54:10 AM10/24/2006.  A B 1st …primary M3QSpace™ informational field reference.  A professional web based educational document for the Level Six (L6) Aggregated Resource Pool (L6-ARP) of accredited shareholders, partners, clientele and affiliates.  Thank-you gentleman, for your online conferences today.  Please contact the accredited principal(s) for appointment in Las Vegas and Los Angeles to complete this particularly fantastic “Spirit of Place on the Coast”!  This VIP Entertainment based Gemstone Realty event, happens only 1 time in your lifetime in ReelTime4uBaby!™.  Happy Thanksgiving Everybody!  Last Chance for Romance in 2006!. 

Participation Schedule
1.) Contribute any portion of the loan amount requested and receive a return as described above.  For example:  $1,000,000.00 would pay out $10,000 per month for 24 months for a total of $240,000.  In addition, upon maturity of the note, a final payment of $100,000 (representing the 10 points) for a total return of $340,000.00 or 17% per annum!
2.) Contribute the entire amount requested for the loan and receive a negotiated additional participation percentage!
PROMISSORY NOTE

October____, 2006

Amount:  US$ _____________________
Term:  Twenty Four (24) Months
Interest Rate:  Twelve Percent (12%) APR
Points:  _____________________(__________)
Payment:  $_____________________________ Paid Monthly
For value received, the undersigned,

1.  BORROWER:   ISLANDIA, INC., a California corporation, (the reveal of the actual borrowing company is disclosed upon quid-pro-quo commitments in private dialogues between the principal parties and their individual representatives), referred to herein as “Borrower”), does hereby promise to pay to:

2.  LENDER:  _____________________________, with a mailing address of:  ___________________________________________________________
(referred to herein as “Lender”), or upon the order of Lender, at such place or places as designated by Lender, the principal sum of

3.  PRINCIPAL:   ________________________________________________  (the “Principal Sum”), bearing simple interest on the outstanding principal balance at the rate of

4.  INTEREST:  TWELVE PERCENT (12%) per annum from the date the “Principal Sum”), bearing simple interest on the outstanding principal balance at the rate of

5. MONTHLY PAYMENTS:  Borrower shall make monthly interest-only payments to Lender of _____________________ Thousand Dollars ($, __________)  per month, payable on the FIRST (1st)  day of each month, beginning with the first payment on December 1, 2006.  Payments received for application to this Note shall be applied first to the payment of late charges, if any, second to the payment of accrued interest at the interest amount specified herein, if any, and the balance applied in reduction of the principal amount hereof.  Any reduction in the principal amount outstanding shall correspondingly reduce the monthly interest-only payments due thereafter, which monthly interest-only payments shall be calculated upon the basis of 12% per annum simple interest then due on the principal balance then outstanding.

6. DUE DATE:  Unless paid sooner, the Principal Sum, together with all accrued but unpaid interest thereon and all other sums due hereunder shall be due and payable, on one lump sum, in TWENTY FOUR MONTHS from the date of this Note being November 1, 2008.

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