BANK OF AMERICA, N.A.


                                 LOAN AGREEMENT

     This Loan Agreement (the "Agreement") dated as of December 14, 1999, is
made by and between Bank of America, N.A. a national banking association
("Bank") and the Borrower described below.

     In consideration of the Loan or Loans described below and the mutual
covenants and agreements contained herein, and intending to be legally bound
hereby, Bank and Borrower agree as follows:

     1. DEFINITIONS AND REFERENCE TERMS. In addition to any other terms defined
herein, the following terms shall have the meaning set forth with respect
thereto:

          A. BORROWER:
             Total Containment, Inc., a Pennsylvania corporation.

          B. BORROWER'S ADDRESS:
             422 Business Center
             A130 North Drive
             Post Office Box 939
             Oaks, PA 19456

          C. LOAN. Any loan described in Section 2 hereof and any subsequent
loan which states that it is subject to this Loan Agreement.

          D. LOAN DOCUMENTS. Loan Documents means this Loan Agreement and any
and all promissory notes executed by Borrower in favor of Bank and all other
documents, instruments, guarantees, certificates and agreements executed and/or
delivered by Borrower, any guarantor or third party in connection with any Loan.

          E. TANGIBLE NET WORTH. Tangible Net Worth means the amount by which
total assets exceed total liabilities, in accordance with GAAP, minus
capitalized molds and tooling costs, patents, and goodwill.

          F. ACCOUNTING TERMS. All accounting terms not specifically defined or
specified herein shall have the meanings generally attributed to such terms
under generally accepted accounting principles ("GAAP"), as in effect from time
to time, consistently applied, with respect to the financial statements
referenced in Section 3.H. hereof.

          G. HAZARDOUS MATERIALS. Hazardous Materials include all materials
defined as hazardous materials or substances under any local, state or federal
environmental laws, rules or regulations, and petroleum, petroleum products, oil
and asbestos.

     2. LOANS.

          A. LOAN. Bank hereby agrees to make (or has made) one or more loans to
Borrower in the aggregate principal face amount of $5,000,000.00. The obligation
to repay the loans is evidenced by a promissory note or notes dated December 14,
1999 (the promissory note or notes together with any and all renewals,
extensions or rearrangements thereof being hereafter collectively referred to as
the "Note") having a maturity date, repayment terms and interest rate as set
forth in the Note.

          i.   REVOLVING CREDIT FEATURE. The Loan provides for a revolving line
               of credit (the "Line") under which Borrower may from time to
               time, borrow, repay and re-borrow funds.

          ii.  COMMITMENT FEE. Borrower shall pay a commitment fee of $5,000.00
               at the closing of the Loan.

          iii. LETTER OF CREDIT SUBFEATURE. As a subfeature under the Line, Bank
               may from time to time issue letters of credit for the account of
               Borrower (each, a "Letter of Credit" and collectively, "Letters
               of Credit"); provided, however, that the form and substance of
               each Letter of Credit shall be subject to approval by Bank in its
               sole discretion; and provided further that the aggregate undrawn
               amount of all outstanding Letters of Credit shall not at any time
               exceed $100,000.00. Each Letter of Credit shall be issued for a
               term not to exceed 180 days for Commercial Letters of Credit, and
               not to exceed 365 days for Standby Letters of Credit, as
               designated by Borrower, provided, however, that no Letter of
               Credit shall have an expiration date subsequent to June 30, 2001.
               The undrawn amount of all Letters of Credit plus any and all
               amounts paid by Bank in connection with drawings under any Letter
               of

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               Credit for which the Bank has not been reimbursed shall be
               reserved under the Line and shall not be available for advances
               thereunder. Each draft paid by Bank under a Letter of Credit
               shall be deemed an advance under the Line and shall be repaid in
               accordance with the terms of the Line; provided however, that if
               the Line is not available for any reason whatsoever, at the time
               any draft is paid by Bank, or if advances are not available under
               the Line in such amount due to any limitation of borrowing set
               forth herein, then the full amount of such drafts shall be
               immediately due and payable, together with interest thereon, from
               the date such amount is paid by Bank to the date such amount is
               fully repaid by Borrower, at that rate of interest applicable to
               advances under the Line. In such event, Borrower agrees that
               Bank, at Bank's sole discretion may debit Borrower's deposit
               account with Bank for the amount of such draft.

     3. REPRESENTATIONS AND WARRANTIES. Borrower hereby represents and warrants
to Bank as follows:

          A. GOOD STANDING. Borrower is a corporation, duly organized, validly
existing and in good standing under the laws of Pennsylvania and has the power
and authority to own its property and to carry on its business in each
jurisdiction in which Borrower does business.

          B. AUTHORITY AND COMPLIANCE. Borrower has full power and authority to
execute and deliver the Loan Documents and to incur and perform the obligations
provided for therein, all of which have been duly authorized by all proper and
necessary action of the appropriate governing body of Borrower. No consent or
approval of any public authority or other third party is required as a condition
to the validity of any Loan Document, and Borrower is in compliance with all
laws and regulatory requirements to which it is subject.

          C. BINDING AGREEMENT. This Agreement and the other Loan Documents
executed by Borrower constitute valid and legally binding obligations of
Borrower, enforceable in accordance with their terms.

          D. LITIGATION. There is no material proceeding involving Borrower
pending or, to the knowledge of Borrower, threatened before any court or
governmental authority, agency or arbitration authority, except as disclosed to
Bank in writing and acknowledged by Bank prior to the date of this Agreement.

          E. NO CONFLICTING AGREEMENTS. There is no charter, bylaw, stock
provision, partnership agreement or other document pertaining to the
organization, power or authority of Borrower and no provision of any existing
agreement, mortgage, indenture or contract binding on Borrower or affecting its
property, which would conflict with or in any way prevent the execution,
delivery or carrying out of the terms of this Agreement and the other Loan
Documents.

          F. OWNERSHIP OF ASSETS. Borrower has good title to its assets, and its
assets are free and clear of liens, except those granted to Bank and those
disclosed to Bank in writing prior to the date of this Agreement, and except
those liens granted to First Union Bank that shall be released as of the date of
this Agreement or immediately thereafter.

          G. TAXES. All taxes and assessments due and payable by Borrower have
been paid or are being contested in good faith by appropriate proceedings and
the Borrower has filed all tax returns which it is required to file.

          H. FINANCIAL STATEMENTS. The financial statements of Borrower
heretofore delivered to Bank have been prepared in accordance with GAAP applied
on a consistent basis throughout the period involved and fairly present
Borrower's financial condition as of the date or dates thereof, and there has
been no material adverse change in Borrower's financial condition or operations
since September 30, 1999. All factual information furnished by Borrower to Bank
in connection with this Agreement and the other Loan Documents is and will be
accurate and complete on the date as of which such information is delivered to
Bank and is not and will not be incomplete by the omission of any material fact
necessary to make such information not misleading.

          I. PLACE OF BUSINESS. Borrower's chief executive office is located at:
             422 Business Center
             A130 North Drive
             Post Office Box 939
             Oaks, PA 19456

          J. ENVIRONMENTAL. To the best of Borrower's knowledge, after
reasonable examination, the conduct of Borrower's business operations and the
condition of Borrower's property does not and will not violate any federal laws,
rules or ordinances for environmental protection, regulations of the
Environmental Protection Agency, any applicable local or state law, rule,
regulation or rule of common law or any judicial interpretation thereof relating
primarily to the environment or Hazardous Materials.

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          K. CONTINUATION OF REPRESENTATIONS AND WARRANTIES. All representations
and warranties made under this Agreement shall be deemed to be made at and as of
the date hereof and at and as of the date of any advance under any Loan.

     4. AFFIRMATIVE COVENANTS. Until full payment and performance of all
obligations of Borrower under the Loan Documents, Borrower will, unless Bank
consents otherwise in writing (and without limiting any requirement of any other
Loan Document):

          A. FINANCIAL CONDITION. Maintain Borrower's financial condition as
follows, as determined in accordance with GAAP, except to the extent modified by
any definitions contained herein, and applied on a consistent basis throughout
the period involved:

          i.   Maintain a Tangible Net Worth of not less than $6,250,000.00 as
               of December 31, 1999, increasing by 50% of the net income after
               taxes of Borrower for the fiscal year ending December 31, 2000;
               provided, however, that if net income after taxes for the fiscal
               year is a deficit (i.e. a net loss), then there will be no
               reduction as a result thereof in the required minimum Tangible
               Net Worth. This covenant shall be tested quarterly for each
               fiscal quarter.

          B. FINANCIAL STATEMENTS AND OTHER INFORMATION. Maintain a system of
accounting satisfactory to Bank and in accordance with GAAP applied on a
consistent basis throughout the period involved, permit Bank's officers or
authorized representatives to visit and inspect Borrower's books of account and
other records at such reasonable times and as often as Bank may desire, and pay
the reasonable fees and disbursements of any accountants or other agents of Bank
selected by Bank for the foregoing purposes. Unless written notice of another
location is given to Bank, Borrower's books and records will be located at
Borrower's chief executive office set forth above.

In addition, Borrower will:
          i.   Furnish to Bank audited consolidated financial statements of
               Borrower for each fiscal year of Borrower within 150 days after
               the close of each such fiscal year. All such financial statements
               shall be prepared by independent certified public accountants
               acceptable to Bank.

          ii.  Furnish to Bank internally prepared consolidated financial
               statements, including a balance sheet and related statements of
               income and cash flows, of Borrower for each fiscal quarter of
               Borrower, within 45 days after the close of each such period. All
               such financial statements shall be certified by the chief
               financial officer of Borrower subject to year end adjustments.

          iii. Furnish to Bank promptly such additional information, reports and
               statements respecting the business operations and financial
               condition of Borrower from time to time as Bank may reasonably
               request, including but not limited to consolidated accounts
               receivable aging reports and inventory reports monthly within 30
               days after the close of each such period.

          C. INSURANCE. Maintain insurance with responsible insurance companies
on such of its properties, in such amounts and against such risks as is
customarily maintained by similar businesses operating in the same vicinity,
specifically to include fire and extended coverage insurance covering all
assets, business interruption insurance, workers compensation insurance and
liability insurance, all to be with such companies and in such amounts as are
satisfactory to Bank and providing for at least 30 days prior notice to Bank of
any cancellation thereof. Satisfactory evidence of such insurance will be
supplied to Bank prior to funding under the Loan(s) and 30 days prior to each
policy renewal.

          D. EXISTENCE AND COMPLIANCE. Maintain its existence, good standing and
qualification to do business, where required and comply with all laws,
regulations and governmental requirements including, without limitation,
environmental laws applicable to it or to any of its property, business
operations and transactions.

          E. ADVERSE CONDITIONS OR EVENTS. Promptly advise Bank in writing of
(i) any condition, event or act which comes to its attention that would or might
materially adversely affect Borrower's financial condition or operations or
Bank's rights under the Loan Documents, (ii) any litigation involving claims,
counterclaims and cross claims in aggregate amounts exceeding $100,000.00 filed
by or against Borrower, (iii) any event that has occurred that would constitute
an event of default under any Loan Documents and (iv) any uninsured or partially
uninsured loss through fire, theft, liability or property damage.

          F. TAXES AND OTHER OBLIGATIONS. Pay all of its taxes, assessments and
other obligations, including, but not limited to taxes, costs or other expenses
arising out of this transaction, as the same become due and payable, except to
the extent the same are being contested in good faith by appropriate proceedings
in a diligent manner.

          G. MAINTENANCE. Maintain all of its tangible property in good
condition and repair and make all necessary replacements thereof, and preserve
and maintain all licenses, trademarks,

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privileges, permits, franchises, certificates and the like which the
Borrower reasonably believes are necessary for the operation of its business.

          H. ENVIRONMENTAL. Immediately advise Bank in writing of (i) any and
all enforcement, cleanup, remedial, removal, or other governmental or regulatory
actions instituted, completed or threatened pursuant to any applicable federal,
state, or local laws, ordinances or regulations relating to any Hazardous
Materials affecting Borrower's business operations; and (ii) all litigation
involving claims, counterclaims and cross claims in aggregate amounts exceeding
$100,000.00 made or threatened by any third party against Borrower relating to
damages, contribution, cost recovery, compensation, loss or injury resulting
from any Hazardous Materials. Borrower shall immediately notify Bank of any
remedial action taken by Borrower with respect to Borrower's business
operations. Borrower will not use or permit any other party to use any Hazardous
Materials at any of Borrower's places of business or at any other property owned
by Borrower except such materials as are incidental to Borrower's normal course
of business, maintenance and repairs and which are handled in compliance with
all applicable environmental laws. When Bank has reason to believe that action
is necessary, Borrower agrees to permit Bank, its agents, contractors and
employees to enter and inspect any of Borrower's places of business or any other
property of Borrower at any reasonable times upon three (3) days prior notice
for the purposes of conducting an environmental investigation and audit
(including taking physical samples) to insure that Borrower is complying with
this covenant and Borrower shall reimburse Bank on demand for the costs of any
such environmental investigation and audit. Borrower shall provide Bank, its
agents, contractors, employees and representatives with access to and copies of
any and all data and documents relating to or dealing with any Hazardous
Materials used, generated, manufactured, stored or disposed of by Borrower's
business operations within five (5) days of the request therefore.

     5. NEGATIVE COVENANTS. Until full payment and performance of all
obligations of Borrower under the Loan Documents, Borrower will not, without the
prior written consent of Bank (and without limiting any requirement of any other
Loan Documents):

          A. TRANSFER OF ASSETS OR CONTROL. Sell, lease, assign or otherwise
dispose of or transfer any assets, except in the normal course of its business,
or enter into any merger or consolidation, or transfer control or ownership of
the Borrower or form or acquire any subsidiary.

          B. LIENS. Grant, suffer or permit any contractual or noncontractual
lien on or security interest in its assets, except in favor of Bank, or fail to
promptly pay when due all lawful claims, whether for labor, materials or
otherwise.

          C. EXTENSIONS OF CREDIT. Make or permit any subsidiary to make, any
loan or advance to any person or entity, or purchase or otherwise acquire, or
permit any subsidiary to purchase or otherwise acquire, any capital stock,
assets, obligations, or other securities of, make any capital contribution to,
or otherwise invest in or acquire any interest in any entity, or participate as
a partner or joint venturer with any person or entity.

          D. BORROWINGS. Create, incur, assume or become liable in any manner
for any indebtedness (for borrowed money, deferred payment for the purchase of
assets, lease payments, as surety or guarantor for the debt for another, or
otherwise) other than to Bank, except for normal trade debts incurred in the
ordinary course of Borrower's business, except for future indebtedness to
related parties, and except for existing indebtedness disclosed to Bank in
writing and acknowledged by Bank prior to the date of this Agreement.

          E. CHARACTER OF BUSINESS. Change the general character of business as
conducted at the date hereof, or engage in any type of business not reasonably
related to its business as presently conducted.

          F. MANAGEMENT CHANGE. Make any substantial change in its present
executive or management personnel.

     6. DEFAULT. Borrower shall be in default under this Agreement and under
each of the other Loan Documents if it shall default in the payment of any
amounts due and owing under the Loan or should it fail to timely and properly
observe, keep or perform any term, covenant, agreement or condition in any Loan
Document or in any other loan agreement, promissory note, security agreement,
deed of trust, deed to secure debt, mortgage, assignment or other contract
securing or evidencing payment of any indebtedness of Borrower to Bank or any
affiliate or subsidiary of Bank of America Corporation.

     7. REMEDIES UPON DEFAULT. If an event of default shall occur, Bank shall
have all rights, powers and remedies available under each of the Loan Documents
as well as all rights and remedies available at law or in equity.

     8. NOTICES. All notices, requests or demands which any party is required or
may desire to give to any other party under any provision of this Agreement must
be in writing delivered to the other party at the following address:

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     Borrower:

                Total Containment, Inc.
                422 Business Center
                A130 North Drive
                Post Office Box 939
                Oaks, PA 19456

     Fax No.    610-666-5321

     Bank:      Bank of America, N.A
                1070 West Patrick Street
                Frederick, MD 21703

     Fax No.    301-696-0179

or to such other address as any party may designate by written notice to the
other party. Each such notice, request and demand shall be deemed given or made
as follows:

          A. If sent by mail, upon the earlier of the date of receipt or five
(5) days after deposit in the U.S. Mail, first class postage prepaid;

          B. If sent by any other means , upon delivery.

     9. COSTS, EXPENSES AND ATTORNEYS' FEES. Borrower shall pay to Bank
immediately upon demand the full amount of all costs and expenses, including
reasonable attorneys' fees (to include outside counsel fees and all allocated
costs of Bank's in-house counsel if permitted by applicable law), incurred by
Bank in connection with (a) negotiation and preparation of this Agreement and
each of the Loan Documents, and (b) all other costs and attorneys' fees incurred
by Bank for which Borrower is obligated to reimburse Bank in accordance with the
Terms of the Loan Documents.

     10. MISCELLANEOUS. Borrower and Bank further covenant and agree as follows,
without limiting any requirement of any other Loan Document:

          A. CUMULATIVE RIGHTS AND NO WAIVER. Each and every right granted to
Bank under any Loan Document, or allowed it by law or equity shall be cumulative
of each other and may be exercised in addition to any and all other rights of
Bank, and no delay in exercising any right shall operate as a waiver thereof,
nor shall any single or partial exercise by Bank of any right preclude any other
or future exercise thereof or the exercise of any other right. Borrower
expressly waives any presentment, demand, protest or other notice of any kind,
including but not limited to notice of intent to accelerate and notice of
acceleration. No notice to or demand on Borrower in any case shall, of itself,
entitle Borrower to any other or future notice or demand in similar or other
circumstances.

          B. APPLICABLE LAW. This Loan Agreement and the rights and obligations
of the parties hereunder shall be governed by and interpreted in accordance with
the laws of Maryland and applicable United States federal law.

          C. AMENDMENT. No modification, consent, amendment or waiver of any
provision of this Loan Agreement, nor consent to any departure by Borrower
therefrom, shall be effective unless the same shall be in writing and signed by
an officer of Bank, and then shall be effective only in the specified instance
and for the purpose for which given. This Loan Agreement is binding upon
Borrower, its successors and assigns, and inures to the benefit of Bank, its
successors and assigns; however, no assignment or other transfer of Borrower's
rights or obligations hereunder shall be made or be effective without Bank's
prior written consent, nor shall it relieve Borrower of any obligations
hereunder. There is no third party beneficiary of this Loan Agreement.

          D. DOCUMENTS. All documents, certificates and other items required
under this Loan Agreement to be executed and/or delivered to Bank shall be in
form and content satisfactory to Bank and its counsel.

          E. PARTIAL INVALIDITY. The unenforceability or invalidity of any
provision of this Loan Agreement shall not affect the enforceability or validity
of any other provision herein and the invalidity or unenforceability of any
provision of any Loan Document to any person or circumstance shall not affect
the enforceability or validity of such provision as it may apply to other
persons or circumstances.

          F. INDEMNIFICATION. Notwithstanding anything to the contrary contained
in Section 10(G), Borrower shall indemnify, defend and hold Bank and its
successors and assigns harmless from and against any and all claims, demands,
suits, losses, damages, assessments, fines, penalties, costs or other

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expenses (including reasonable attorneys' fees and court costs) arising
from or in any way related to any of the transactions contemplated hereby,
including but not limited to actual or threatened damage to the environment,
agency costs of investigation, personal injury or death, or property damage, due
to a release or alleged release of Hazardous Materials, arising from Borrower's
business operations, any other property owned by Borrower or in the surface or
ground water arising from Borrower's business operations, or gaseous emissions
arising from Borrower's business operations or any other condition existing or
arising from Borrower's business operations resulting from the use or existence
of Hazardous Materials, whether such claim proves to be true or false. Borrower
further agrees that its indemnity obligations shall include, but are not limited
to, liability for damages resulting from the personal injury or death of an
employee of the Borrower, regardless of whether the Borrower has paid the
employee under the workmen's compensation laws of any state or other similar
federal or state legislation for the protection of employees. The term "property
damage" as used in this paragraph includes, but is not limited to, damage to any
real or personal property of the Borrower, the Bank, and of any third parties.
The Borrower's obligations under this paragraph shall survive the repayment of
the Loan and any deed in lieu of foreclosure or foreclosure of any Deed to
Secure Debt, Deed of Trust, Security Agreement or Mortgage securing the Loan.

          G. SURVIVABILITY. All covenants, agreements, representations and
warranties made herein or in the other Loan Documents shall survive the making
of the Loan and shall continue in full force and effect so long as the Loan is
outstanding or the obligation of the Bank to make any advances under the Line
shall not have expired.

     11. NO ORAL AGREEMENT. THIS WRITTEN LOAN AGREEMENT AND THE OTHER LOAN
DOCUMENTS REPRESENT THE FINAL AGREEMENT BETWEEN THE PARTIES AND MAY NOT BE
CONTRADICTED BY EVIDENCE OF PRIOR, CONTEMPORANEOUS OR SUBSEQUENT ORAL AGREEMENTS
OF THE PARTIES.

     IN WITNESS WHEREOF, the parties hereto have caused this Agreement to be
duly executed under seal by their duly authorized representatives as of the date
first above written.

BORROWER:                              BANK:

Total Containment, Inc.                Bank of America, N.A.



By: /s/ Keith R. Ruck (Seal)           By: /s/ Richard C. Marshall III (Seal)
    -----------------                      ---------------------------
Name: Keith R. Ruck                    Name: Richard C. Marshall III
Title: Vice President Finance & CFO    Title: Senior Vice President
         [Corporate Seal]


If the Borrower is a corporation, the signature should be attested by the
Secretary or Assistant Secretary of the corporation and the corporate seal
affixed.



Attest: /s/ Richard H. Gross (Seal)
        --------------------
Name: Richard H. Gross
Title: Secretary

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