I, the undersigned Lian Velge hereby confirm and acknowledge to Margaret Jiang, hereinafter called Creditor, that I am indebted to said Creditor in the amount of Five Hundred and Ninety-Five Dollars ($595.00) as of the date set forth below.  The amount indicates any and all legally permitted charges up to the date set forth below. I acknowledge and agree that I incurred said Debt and I am solely responsible for repayment of it to Creditor. I also agree and acknowledge that I have no defense should the Creditor use this document in a court of laws as a confession of judgment on my part. I have promised and agreed to pay the entire amount of said Debt by 01/01/18.

I signed this document on October 27, 2017 in front of the Witness named below:

Electronic Signature of Debt Holder: Margaret Jiang 

Debt Holder's Printed Name: Margaret Jiang