Promissory Note Agreement (Exhibit 10.20)

This agreement is a promissory note, where one party promises to repay a specified sum of money to another party under agreed terms. It outlines the repayment schedule, interest rate, and any conditions for default or acceleration of payment. The note is legally binding and sets forth the borrower's obligation to repay the lender within a certain timeframe, ensuring both parties understand their rights and responsibilities.