                      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 Business Power Tools(tm) Catalog
section in the back of the EmployeeManualMaker product manual
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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