                      Employee  I.O.U.

[]  As an option to this form, we recommend the Promissory Note
provided as part of AgreeMentor(tm), a collection of plain-English
business agreements. See the Catalog section in the back of the
EmployeeManualMaker Reference Guide for a detailed description.

      Agreement to Allow [Company] to Withhold Funds from Wages,
              Against an Employee Debt Owed to [Company]

I, _______________________________________ will be making a
[purchase/loan] from [Company] in the amount of $ _________.
I voluntarily authorize that the cost of the [purchase/loan] shall
be deducted from my wages in the amount of $ ________ each pay period
until the total [purchase/loan] is paid in full.

If any amount remains owing upon the termination of my employment,
I voluntarily authorize that the full remaining balance may be
deducted from my final paycheck.


Employee Signature: __________________________  Date: ________________
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