Borrowed $90,000 from First American Bank and Trust by issuing a two-year note payable 5 19th Yes (Doc. No. 14) with a stated annual interest rate of 5.5%. Received an email notification from the bank that the $90,000 proceeds were electronically deposited into Warers checking account. Reviewed the terms and conditions of the note and signed it (Ray p. 21 Kramer) as the borrower. Follow the ACH deposit procedures in the flowchart and be sure to file the note in the Banking file tab