Installment Note

Exhibit 10.20


TFC TEXTRON


INSTALLMENT NOTE


$500,000.00 October 7, 1996


For value received, the undersigned (jointly and severally if more than one) promises to pay to the order of Textron Financial Corporation ("TFC"), having its principal place of business in Providence, Rhode Island (together with any other holder of this Note, hereinafter referred to as the "Holder"), the principal sum of Five Hundred Thousand Dollars ($500,000.00), together with interest on the unpaid principal balance of the Note. The obligations of the undersigned hereunder are "Obligations" secured by the "Collateral" as defined and described in a Security Agreement between the undersigned and the Holder dated as of October 7, 1996 (the "Security Agreement"), and are entitled to all of the rights and privileges provided therein, including rights of acceleration of this Note.


This Note shall be due and payable in 48 monthly installments of principal and interest due and payable on the first day of each month and in the amounts specified below:


1 consecutive installment(s) of $28,280.00 each beginning on November
1, 1996 and continuing each month thereafter through and including
November 1, 1996, followed by:


46 consecutive installments of $12,600.00 each beginning on December
1, 1996, and continuing each month thereafter through and including
September 1, 2000, followed by:


1 consecutive installment(s) of $0.00 each beginning on October 1,
2000 and continuing each month thereafter through and including
October 1, 2000, followed by:


N/A consecutive installment(s) of SN/A each beginning on N/A, N/A and
continuing each month thereafter through and including N/A, N/A
followed by:


N/A consecutive installment(s) of SN/A each beginning on N/A, N/A and
continuing each month thereafter through and including N/A, N/A,
followed by:


[ ] Check if additional installment(s) are required as specified in
Exhibit A attached hereto and incorporated herein by this reference.


The entire remaining unpaid balance and all accrued and unpaid charges due hereunder and under the Security Agreement shall be due and payable on October 1, 2000 (the "Final Maturity Date").


In the event any amount due hereunder is past due by more than ten (10) days, the undersigned agrees to pay a late payment charge equal to the lessor of (a) five percent (5%) on and in addition tot he amount of the past due payment, or (b) the maximum charges allowable under then applicable law. Upon the maturity of this Note (by reason of default and acceleration or otherwise), the undersigned agrees to pay interest ont he unpaid balanc ...