Exhibit 9.3

                                    EXHIBIT A

THIS PROMISSORY NOTE AND THE SECURITIES INTO WHICH IT MAY BE CONVERTED HAVE NOT
BEEN REGISTERED UNDER THE SECURITIES ACT OF 1933, AS AMENDED (THE "SECURITIES
ACT"), OR APPLICABLE STATE SECURITIES LAWS. THIS PROMISSORY NOTE AND, IF
APPLICABLE, THE SECURITIES INTO WHICH IT IS CONVERTED, HAVE BEEN ACQUIRED FOR
INVESTMENT AND NOT WITH A VIEW TO THEIR DISTRIBUTION OR RESALE, AND MAY NOT BE
SOLD, PLEDGED OR OTHERWISE TRANSFERRED WITHOUT AN EFFECTIVE REGISTRATION
STATEMENT FOR SUCH SECURITIES UNDER THE SECURITIES ACT AND APPLICABLE STATE
SECURITIES LAWS OR AN OPINION OF COUNSEL SATISFACTORY TO THE COMPANY THAT SUCH
REGISTRATION IS NOT REQUIRED.

                                 PROMISSORY NOTE

$____________ B                                                November 12, 2002
                                                                 Park City, Utah

         For value received PARK CITY GROUP, INC. a Nevada corporation ("Payor"
or the "Company") promises to pay to fill in , or his assigns ("Holder") the
principal sum of $ B with interest on the outstanding principal amount at the
rate of 10% per annum, based on a 365-day year. Interest shall commence with the
date hereof and shall continue on the outstanding principal until paid in full.
Principal and accrued interest shall be due as provided herein on or before the
earlier to occur of (i) July 31, 2003 or, (ii) the maturity of the Company debt
to Cooper Capital or Riverview Financial Corporation, or (iii) the date on which
the Company closes on the Additional Funding, or (vi) an Event of Default (as
defined below) (each, the "Maturity Date").

         1. All payments of interest and principal shall be in lawful money of
the United States of America. This Note may be prepaid at any time. All payments
shall be applied first to accrued interest and thereafter to principal.

         2. If there shall be any Event of Default hereunder, Payor shall pay
all reasonable attorneys' fees and court costs incurred by Holder in enforcing
and collecting this Note, and this Note shall accelerate and all principal and
unpaid accrued interest shall become due and payable. The occurrence of any one
or more of the following shall constitute an Event of Default:

         (a)      Payor fails to pay (i) timely the principal amount due under
                  this Note on the date the same becomes due and payable or (ii)
                  any accrued interest or other amounts due under this Note
                  within three (3) business days following the date the same
                  becomes due and payable;

         (b)      Payor files any petition or action for relief under any
                  bankruptcy, reorganization, insolvency or moratorium law or
                  any other law for the relief of, or relating to, debtors, now
                  or hereafter in effect, or makes any assignment for the
                  benefit of creditors or takes any corporate action in
                  furtherance of any of the foregoing; or

         (c)      An involuntary petition is filed against Payor (unless such
                  petition is dismissed or discharged within sixty (60) days)
                  under any bankruptcy statute now or hereafter in effect, or a
                  custodian, receiver, trustee, assignee for the benefit of
                  creditors (or other similar official) is appointed to take
                  possession, custody or control of any property of Payor; or

         (d)      The Payor shall after any required notice thereunder and after
                  the expiration of applicable grace periods (i) default in the
                  repayment of any principal of or the payment of any interest
                  on any indebtedness, or (ii) breach or violate any term or
                  provision of any promissory note, loan agreement, mortgage,
                  indenture or other evidence of such indebtedness, if the
                  effect of such breach is to permit the acceleration of such
                  indebtedness.



         3. Payor hereby waives demand, notice, presentment, protest and notice
of dishonor.

         4. Payor shall organize a private placement of its equity securities
pursuant to which Payor will seek to raise a minimum of approximately $2.4
million (the "Private Placement"). If the Private Placement is consummated prior
to the Maturity Date, upon the receipt by Payor of gross proceeds from the
Private Placement of at least that amount of additional funds that would allow
the Note to become the senior debt of the Company by virtue of the repayment of
all debt senior to the Note ("the Additional Funding") prior to July 31, 2003,
all principal and interest due on this Note shall become due.

         7. The terms of this Note shall be construed in accordance with the
laws of the State of Utah, as applied to contracts entered into by Utah
residents within the State of Utah, which contracts are to be performed entirely
within the State of Utah.

         8. Any term of this Note may be amended or waived with the written
consent of Payor and Holder.

         IN WITNESS WHEREOF, the Payor has caused this Promissory Note to be
executed by its duly authorized officer as of the date first set forth above.



                                                PARK CITY GROUP, INC.



                                                By:_____________________________
                                                Name:  Randall K. Fields
                                                Title: Chief Executive Officer
                                                       and President