Explanation:

- A promissory note is a financial instrument that contains a written promise by one party to pay another party a definite sum of money.

- Option 1: The creditor is the individual or entity to whom the debt is owed. They are not the ones preparing the note.

- Option 2: The debtor is the party who promises to pay the amount, so they are the ones who prepare the promissory note.

- Option 3: The surety is a third party providing a guarantee to the creditor, not preparing the note.

- Option 4: The seller might be involved if it's a transaction sale, but they are not relevant to the note's preparation itself.