RATIFICATION OF UNAUTHORIZED SIGNATURE



                                        Date:




        To:


              I hereby ratify the act of _____________________________  
                                         (name of unauthorized person)

        in purporting to sign my name on the promissory note (describe or 

        identify note). 
        



                                        _________________________________
                                        (Signature of Person Ratifying)



                                                        Form 133

      

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