<PAGE>
                                                                   EXHIBIT 10.30

                                 LOAN AGREEMENT


         THIS LOAN AGREEMENT (as it may be amended or modified from time to
time, together with all exhibits and schedules attached hereto from time to
time, this "Agreement") is entered into as of the 26th day of March, 2003 (the
"Effective Date") by and between DNA COMPUTING SOLUTIONS, INC., A DELAWARE
CORPORATION, ("Borrower"), Borrower's address for purposes of this Agreement
being 1240 EAST CAMPBELL ROAD, RICHARDSON, TEXAS 75081, and, FIRSTCAPITAL BANK,
SSB, 5633 WESTHEIMER, SUITE 100, HOUSTON, TEXAS 77056, (together with its
successors and assigns, "Lender"). Borrower has applied to Lender for a
commercial loan and other financial accommodations, including those which may be
described on any exhibit or schedule attached to this Agreement. Such loan and
financial accommodations are referred to collectively in this Agreement as the
"Loan". Borrower understands and agrees that: (a) in granting, renewing, or
extending the Loan, Lender is relying upon Borrower's representations,
warranties, and agreements, as set forth in this Agreement; (b) the granting,
renewing, or extending of the Loan by Lender at all times shall be subject to
Lender's sole judgment and discretion; and, (c) such Loan shall be and shall
remain subject to the following terms and conditions of this Agreement.

         TERM. This Agreement shall be effective as of the Effective Date, and
shall continue until the "Final Maturity Date" (as hereinafter defined), unless
sooner terminated in accordance with the terms hereto provided, however, that
Borrower may extend the term of the Loan for an additional six (6) months if the
following conditions re satisfied: Borrower advises Lender in writing of its
election to extend the Loan, which notice must be given to Lender no more than
thirty (30) and no less than fifteen (15) days prior to the Final Maturity Date;
Borrower is not in default, and no condition exists which, with the giving of
notice, the passage of time, or the performance of some ministerial task, would
cause there to be an event of default, under this Agreement or the "Related
Documents (as hereinafter defined), at the time the foregoing option to extend
is exercised, or at any time between that date and the Final Maturity Date;
between the Effective Date and the Final Maturity Date, there has not been any
material adverse change in the financial condition of any Guarantor (as
determined by Lender in its sole discretion); and, Borrower pays all costs and
fees incurred by Lender, and executes all documents reasonably requested by
Lender, in connection with the documentation of such extension.

         DEFINITIONS. The following words shall have the following meanings when
used in this Agreement. Terms not otherwise defined in this Agreement shall have
the meanings attributed to such terms in the Texas Business and Commerce Code
(the Texas Uniform Commercial Code). All references to dollar amounts shall mean
amounts in lawful money of the United States of America.

         ACCOUNT. The word "Account" means a trade account, account receivable,
         or other right to payment for goods sold or services rendered, owing to
         Borrower.




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<PAGE>



         ADVANCE. The word "Advance" means a disbursement of Loan funds under
         this Agreement.

         APPLICABLE LAW. That law in effect from time to time and applicable to
         the Collateral, the parties to this Agreement, and the Notes, which
         lawfully permits the charging and collection of the highest permissible
         lawful nonusurious rate of interest on the Notes, including laws of the
         State of Texas and laws of the United States of America. In no event
         shall the provisions of Chapter 346 of the Texas Finance Code (which
         regulates certain revolving credit loan accounts and revolving
         tri-party accounts) apply to the Loan.

         BASE RATE. The words "Base Rate" shall mean the prime rate of interest
         as posted in the Money Rates section of the Wall Street Journal, being
         the base rate on corporate loans posted by at least 75% of the nation's
         30 largest banks. If the publication of this rate is discontinued by
         the Wall Street Journal, a comparable reference rate designated by
         Lender as a substitute therefor shall be the Base Rate.

         BORROWING BASE. The words "Borrowing Base" shall mean the sum of One
         Million and No/100 Dollars ($1,000,000,00).

         BUSINESS DAY. The words "Business Day" mean any day excluding Saturday,
         Sunday, and any day which is a legal holiday under the laws of the
         State of Texas or is a day on which banking institutions located in the
         State of Texas are closed.

         COLLATERAL. The word "Collateral" is defined in the "Security
         Agreement" (as hereinafter defined).

         EVENT OF DEFAULT. The words "Event of Default" mean and include without
         limitation any of the Events of Default set forth below in the section
         entitled "EVENTS OF DEFAULT".

         FINAL MATURITY DATE. The words "Final Maturity Date" mean the date on
         which all amounts under all "Loans" (as hereinafter defined) shall
         become fully due and payable. Unless extended in writing by Borrower
         and Lender, the Final Expiration Date is that day which is one (1) year
         after the Effective Date.

         GRANTOR. The word "Grantor" means and includes without limitation each
         and all of the persons or entities granting a Security Interest in any
         Collateral for the Indebtedness, including without limitation all
         Borrowers granting such a Security Interest.



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<PAGE>



         GUARANTOR. The word "Guarantor" means and includes without limitation
         each and all of the guarantors, sureties, and accommodation parties in
         connection with any Indebtedness.

         INDEBTEDNESS. The word "Indebtedness" means and includes without
         limitation all Loans, together with all other obligations, debts and
         liabilities of Borrower to Lender, or any one or more of them, as well
         as all claims by Lender against Borrower, or any one or more of them,
         whether now or hereafter existing, voluntary or involuntary, due or not
         due, absolute or contingent, liquidated or unliquidated; whether
         Borrower may be liable individually or jointly with others; and,
         whether Borrower may be obligated as a guarantor, surety, or otherwise.

         LOAN. The word "Loan" means the commercial loan and financial
         accommodations from Lender to Borrower which are described herein or
         described on any exhibit or schedule attached to this Agreement from
         time to time.

         MAXIMUM LEGAL RATE. The words "Maximum Legal Rate" mean, at any time,
         the maximum rate of interest under applicable law that the Lender may
         charge a Borrower. The Maximum Legal Rate shall be calculated in a
         manner that takes into account any and all fees, payments, and other
         charges in respect of this Agreement and the Related Documents that
         constitute interest under applicable law. Each change in any interest
         rate provided for herein based upon the Maximum Legal Rate resulting
         from a change in the Maximum Legal Rate shall take effect without
         notice to the Borrower at the time of such change in the Maximum Legal
         Rate. For purposes of determining the Maximum Legal Rate under Texas
         law, the applicable rate ceiling shall be the weekly rate ceiling
         described in, and computed in accordance with, Chapter 303, Subchapter
         A, of the Texas Finance Code.

         MULTIPLE ADVANCE CREDIT NOTE/NOTE. The words "Multiple Advance Credit
         Note" and the word "Note" each means the $1,000,000.00 Note to be dated
         as of the Effective Date and to be executed by Borrower in favor of
         Lender pursuant to the credit facility described in this Agreement, as
         well as any substitute, replacement or refinancing note or notes
         therefore. The principal amount outstanding under the Note may be
         prepaid, in full or in part, at any time and from time to time, without
         premium or penalty.

         RELATED DOCUMENTS. The words "Related Documents" mean and include
         without limitation all promissory notes, credit agreements, loan
         agreements, environmental agreements, guaranties, security agreements,
         mortgages, deeds of trust, and all other instruments, agreements and
         documents,



                                       3
<PAGE>



         whether now or hereafter existing, executed in connection with the
         Indebtedness.

         SECURITY AGREEMENT. The words "Security Agreement" mean the Security
         Agreement of even date herewith, to be executed by Borrower, as debtor,
         and Lender, as secured party, covering, and creating a Security
         Interest against the Personal Property, and securing the payment of the
         Indebtedness, as it may be extended, modified, or renewed from time to
         time, and any other agreements, whether created by law, contract, or
         otherwise, evidencing, governing, representing, or creating a Security
         Interest against any of the Personal Property.

         SECURITY INTEREST. The words "Security Interest" mean and include,
         without limitation, any type of collateral security which secures the
         payment of the Indebtedness or the performance of any of Borrower's
         obligations as described in this Agreement, whether in the form of a
         lien, charge, mortgage, deed of trust, assignment, pledge, chattel
         mortgage, chattel trust, factor's lien, equipment trust, conditional
         sale, trust receipt, lien or title retention contract, lease or
         consignment intended as a security device, or any other security or
         lien interest whatsoever, whether created by law, contract, or
         otherwise.

         LINE OF CREDIT. The line of credit covered by this Agreement consists
of a working capital revolving line of credit (the "Line of Credit"). Subject to
the conditions precedent to an Advance as specified herein, and subject to the
other terms and conditions of this Agreement: Lender agrees to make Advances to
Borrower from time to time from the Effective Date to the Final Maturity Date
pursuant to the Line of Credit, provided the aggregate amount of such Advances
pursuant to the Line of Credit outstanding at any time does not exceed the
Borrowing Base. The Line of Credit will be evidenced by the Revolving Credit
Note. Within the foregoing limits, Borrower may borrow, partially or wholly
repay, and reborrow under the Line of Credit as follows.

         CONDITIONS PRECEDENT TO EACH ADVANCE. Lenders obligation to make any
         Advance to or for the account of Borrower under the Line of Credit is
         subject to the following conditions precedent, with all documents,
         instruments, opinions, reports, and other items required under this
         Agreement to be in form and substance satisfactory to Lender;

         (a)      Lender shall have received evidence that this Agreement and
                  all Related Documents have been duly authorized, executed, and
                  delivered by Borrower to Lender.

         (b)      The Security Interests in the Collateral shall have been duly
                  authorized, created, and perfected with first lien priority
                  and shall be in full force and effect.



                                       4
<PAGE>




         (c)      All guaranties required by Lender for this Agreement shall
                  have been executed by each Guarantor, delivered to Lender, and
                  shall be in full force and effect.

         (d)      Borrower shall have paid to Lender all fees, costs, and
                  expenses specified in this Agreement and the Related Documents
                  as are then due and payable.

         (e)      There shall not exist at the time of any Advance a condition
                  which would constitute an Event of Default under this
                  Agreement, or any of the Related Documents, and there shall
                  not exist a condition which, with the passage of time, the
                  giving of notice, or the performance of some other ministerial
                  act would constitute an Event of Default under this Agreement
                  or any of the Related Documents.

         Subject to the remaining conditions of this Agreement, Lender will make
Advances to Borrower under the Revolving Credit Note as follows:

         MAKING LOAN ADVANCES. Advances under the Line of Credit may be
         requested orally by authorized persons. Lender may, but need not,
         require that all oral requests be confirmed in writing. Each Advance
         shall be conclusively deemed to have been made at the request of and
         for the benefit of Borrower: (a) when credited to any deposit account
         of Borrower maintained with Lender; or, (b) when advanced in accordance
         with the instructions of an authorized person. Lender, at its option,
         may set a cutoff time, after which all requests for Advances will be
         treated as having been requested on the next succeeding Business Day.
         As long as Lender is acting in good faith, Borrower hereby holds Lender
         harmless from any claim that Lender made an Advance on the request of a
         person who was not an authorized person.

         CESSATION OF ADVANCES. If Lender has made any commitment to make any
         Loan to Borrower, whether under this Agreement or under any other
         agreement, Lender shall have no obligation to make Loan Advances or to
         disburse Loan proceeds if: (a) Borrower is in default under the terms
         of this Agreement or any of the Related Documents or any other
         agreement that Borrower has with Lender; (b) Borrower becomes
         insolvent, files a petition in bankruptcy or similar proceedings, or is
         adjudged a bankrupt; (c) there occurs a material adverse change in
         Borrower's financial condition or in the value of any Collateral
         securing any Loan (d) any Guarantor seeks, claims or otherwise attempts
         to limit, modify or revoke such Guarantor's guaranty of the Loan or any
         other loan with Lender; or, (e) Lender in good faith deems itself
         insecure, even though no Event of Default shall have occurred.





                                       5
<PAGE>
         MANDATORY LOAN REPAYMENTS. If at any time the aggregate principal
         amount of the outstanding Advances with respect to the Line of Credit
         shall exceed the Borrowing Base, Borrower, immediately upon written or
         oral notice from Lender, shall pay to Lender an amount equal to the
         difference between: (i) the outstanding principal balance of the
         Advances under the Line of Credit; and, (ii) the Borrowing Base. On the
         Final Maturity Date, Borrower shall pay to Lender in full the aggregate
         unpaid principal amount of all Advances evidenced by the Revolving
         Credit Note then outstanding and all accrued unpaid interest thereon,
         together with all other applicable fees, costs and charges, if any, not
         yet paid with respect to the Loan evidenced by the Revolving Credit
         Note.

         LOAN ACCOUNT. Lender shall maintain on its books a record of account in
         which Lender shall make entries for each Advance and such other debits
         and credits as shall be appropriate in connection with the Line of
         Credit facility.

         COLLATERAL. To secure the payment of the Loan and the performance of
all obligations and duties owed by Borrower to Lender and arising out of or
related in any way to this Agreement (collectively, the "Obligations"): Borrower
shall grant to Lender a Security Interest in the Collateral. Lenders Security
Interest in the Collateral shall be a continuing lien and shall include the
proceeds and products of the Collateral, including, without limitation, the
proceeds of any insurance.

         NEGATIVE COVENANTS.

         Borrower covenants and agrees with Lender that, while this Agreement is
in effect, Borrower shall not, without the prior written consent of Lender:

         CONTINUITY OF OPERATIONS. (a) Engage in any business activities
         substantially different from those in which Borrower is presently
         engaged, (b) cease operations, liquidate, merge, transfer, acquire or
         consolidate with any other entity, change ownership, change its name,
         dissolve, transfer or sell Collateral out of the ordinary course of
         business, or (c) make any distribution with respect to any shares or
         capital account, whether by reduction of capital or otherwise (except
         such distributions as are consistent with prior distributions made by
         Borrower as reflected on the financial reports made available to and
         acknowledged by Lender in writing, and which are justifiable given the
         financial condition of Borrower at the time of such distributions).

         PAYMENTS TO GUARANTORS/SHAREHOLDERS. Pay outside of the ordinary course
of Borrower's business, any amounts now outstanding and owing, or coming to be
owed, by Borrower, to any of the Guarantors or to any of the shareholders of
Borrower.

         NOTICE OF FINAL AGREEMENT. THIS AGREEMENT AND ALL OTHER DOCUMENTS
RELATING TO THESE LOANS CONSTITUTE A WRITTEN LOAN



                                       6
<PAGE>


AGREEMENT WHICH REPRESENTS THE FINAL AGREEMENT BETWEEN THE PARTIES HERETO AND
MAY NOT BE CONTRADICTED BY EVIDENCE OF PRIOR, CONTEMPORANEOUS, OR SUBSEQUENT
ORAL AGREEMENTS OF THE PARTIES. THERE ARE NO UNWRITTEN ORAL AGREEMENTS BETWEEN
THE PARTIES RELATING TO THESE LOANS.

         UCC FINANCING STATEMENT. Borrower hereby authorizes Lender or its
agents or assigns to file one or more such Financing Statements if permitted in
the relevant jurisdiction. Borrower will pay the cost of filing all such
Financing Statements in all public offices wherever filing is deemed by Lender
to be necessary or desirable.

         ADDENDUM. This Agreement incorporates all addenda as if set forth in
full herein.

         RIGHT OF SETOFF. Borrower grants to Lender a contractual security
interest in, and hereby assigns, conveys, delivers, pledges, and transfers to
Lender, all of Borrower's right, title, and interest in and to Borrower's
accounts with Lender (whether checking, savings, or other account), including
without limitation all accounts held jointly with someone else and all accounts
Borrower may open in the future, excluding, however, all IRA and Keogh accounts,
and all trust accounts for which the grant of a security interest would be
prohibited by law. Borrower authorizes Lender, to the extent permitted by
applicable law, to charge or setoff all sums owing on the Indebtedness against
any and all such accounts.

         EVENTS OF DEFAULT. Each of the following shall constitute an Event of
Default under this Agreement.

         DEFAULT ON INDEBTEDNESS. Failure of Borrower to make any payment when
         due on the Loans.

         OTHER DEFAULTS. Failure of Borrower to comply with or to perform when
         due any other term, obligation, covenant or condition contained in this
         Agreement or in any of the Related Documents, or failure of Borrower to
         comply with or to perform any other term, obligation, covenant or
         condition contained in any other agreement between Lender and Borrower.

         DEFAULT IN FAVOR OF THIRD PARTIES. Should Borrower default under any
         loan, extension of credit, security agreement, purchase or sales
         agreement, or any other agreement, in favor of any other creditor or
         person that may materially affect any of Borrower's property or
         Borrowers ability to repay the Loans or perform their respective
         obligations under this Agreement or any of the Related Documents.

         FALSE STATEMENTS. Any warranty, representation or statement made or
         furnished to Lender by or on behalf of Borrower under this Agreement or
         the




                                       7
<PAGE>

         Related Documents is false or misleading in any material respect at the
         time made or furnished, or becomes false or misleading at any time
         thereafter.

         DEFECTIVE COLLATERALIZATION. This Agreement or any of the Related
         Documents ceases to be in full force and effect (including failure of
         the Security Agreement to create a valid and perfected Security
         Interest) at any time and for any reason.

         DEATH OR INSOLVENCY. The dissolution or termination of Borrowers
         existence as a going business; the death of any one or more of the
         Guarantors; the insolvency of any Borrower; the appointment of a
         receiver for any part of Borrower's property; any assignment by
         Borrower for the benefit of creditors; any type of creditor workout;
         or, the commencement of any proceeding under any bankruptcy or
         insolvency laws by or against Borrower.

         CREDITOR OR FORFEITURE PROCEEDINGS. Commencement of foreclosure or
         forfeiture proceedings, whether by judicial proceeding, self help,
         repossession or any other method, by any creditor of Borrower against
         any Collateral, or by any governmental agency. This includes a
         garnishment, attachment, or levy on or of any of Borrower's deposit
         accounts with Lender. However, this Event of Default shall not apply if
         there is a good faith dispute by Borrower as to the validity or
         reasonableness of the claim which is the basis of the creditor or
         forfeiture proceeding, and if Borrower gives Lender written notice of
         the creditor or forfeiture proceeding and furnishes reserves or a
         surety bond for the creditor or forfeiture proceeding satisfactory to
         Lender.

         EVENTS AFFECTING GUARANTOR. Any of the preceding events occurs with
         respect to any Guarantor of any of the Indebtedness or any Guarantor
         dies or becomes incompetent, or revokes or disputes the validity of, or
         liability under, any Guaranty of the Indebtedness.

         CHANGE IN OWNERSHIP. The resignation or expulsion of any person with an
         ownership interest (or sharing ratio) of twenty-five percent (25%) or
         more in Borrower.

         ADVERSE CHANGE. A material adverse change occurs in Borrower's or a
         Guarantor's financial condition, or Lender believes the prospect of
         payment or performance of the Indebtedness is impaired.

         INSECURITY. Lender, in good faith, deems itself insecure.

         RIGHT TO CURE. If any default is curable, it may be cured (and no Event
         of Default will have occurred) if Borrower or Guarantor, as the case
         may be, after receiving written notice from Lender demanding cure of
         such default:





                                       8
<PAGE>

         (a) cures the default within fourteen (14) days; or, (b) with respect
         to a non-monetary default, if the cure requires more than fourteen (14)
         days, immediately initiates steps which Lender, in Lender's sole
         discretion, deems to be sufficient to cure the default, and thereafter
         continues and completes all reasonable and necessary steps sufficient
         to produce compliance as soon as reasonably practicable.

         EFFECT OF AN EVENT OF DEFAULT. If any Event of Default shall occur,
except where otherwise provided in this Agreement or the Related Documents, all
commitments and obligations of Lender under this Agreement, the Related
Documents, and every other agreement between Lender and any one or more of the
Borrowers immediately will terminate (including any obligation to make Loan
Advances or disbursements), and, at Lender's option, all Indebtedness
immediately will become due and payable, all without notice of any kind to
Borrower, except that in the case of an Event of Default of the type described
in the "Death or Insolvency" subsection above, including any such event as it
applies to any Guarantor, such acceleration shall be automatic and not optional.
In addition, Lender shall have all the rights and remedies expressly provided
elsewhere in this Agreement and in the Related Documents or available at law, in
equity, or otherwise. Except as may be prohibited by applicable law, all of
Lender's rights and remedies shall be cumulative and may be exercised singularly
or concurrently. Election by Lender to pursue any remedy shall not exclude
pursuit of any other remedy, and an election to make expenditures or to take
action to perform an obligation of Borrower or of any Guarantor shall not affect
Lender's right to declare a default and to exercise its rights and remedies.

         MISCELLANEOUS PROVISIONS. The following miscellaneous provisions are a
part of this Agreement:

         AMENDMENTS. This Agreement, together with any Related Documents,
         constitutes the entire understanding and agreement of the parties as to
         the matters set forth in this Agreement. No alteration of or amendment
         to this Agreement shall be effective unless given in writing and signed
         by the party or parties sought to be charged or bound by the alteration
         or amendment.

         GOVERNING LAW. THIS AGREEMENT HAS BEEN DELIVERED TO LENDER AND ACCEPTED
         BY LENDER IN THE STATE OF TEXAS. IF THERE IS A LAWSUIT, AND IF THE
         TRANSACTION EVIDENCED BY THIS AGREEMENT OCCURRED IN HARRIS COUNTY,
         TEXAS, BORROWER AGREES UPON LENDER'S REQUEST TO SUBMIT TO THE
         JURISDICTION OF THE FEDERAL OR STATE COURTS OF HARRIS COUNTY, THE STATE
         OF TEXAS. THIS AGREEMENT SHALL BE GOVERNED BY AND CONSTRUED IN
         ACCORDANCE WITH THE LAWS OF THE STATE OF TEXAS AND APPLICABLE FEDERAL
         LAWS. THE PROVISIONS OF THIS PARAGRAPH ARE SUBJECT TO ANY PROVISIONS ON
         ARBITRATION CONTAINED IN THIS AGREEMENT AND/OR IN ANY RELATED
         DOCUMENTS.




                                       9
<PAGE>

         CAPTION HEADINGS. Caption headings in this Agreement are for
         convenience purposes only and are not to be used to interpret or define
         the provisions of this Agreement.

         CONSENT TO LOAN PARTICIPATION. Borrower agrees and consents to Lender's
         sale or transfer, whether now or later, of one or more participation
         interests in one or both of the Loans to one or more purchasers,
         whether related or unrelated to Lender. Lender may provide, without any
         limitation whatsoever, to any one or more purchasers, or potential
         purchasers, any information or knowledge Lender may have about Borrower
         or about any other matter relating to the Loans, and Borrower hereby
         waives any rights to privacy it may have with respect to such matters.
         Borrower additionally waives any and all notices of sale of
         participation interests, as well as all notices of any repurchase of
         such participation interests, subject to the terms and conditions of
         the Loan Agreement. Borrower also agrees that the purchasers of any
         such participation interests will be considered as the absolute owners
         of such interests in the Loans and will have all the rights granted
         under the participation agreement or agreements governing the sale of
         such participation interests. Borrower further waives all rights of
         offset or counterclaim that it may have now or later against Lender or
         against any purchaser of such a participation interest and
         unconditionally agrees that either Lender or such purchaser may enforce
         Borrower's obligation under the Loans irrespective of the failure or
         insolvency of any holder of any interest in the Loans. Borrower further
         agrees that the purchaser of any such participation interests may
         enforce its interests irrespective of any personal claims or defenses
         that Borrower may have against Lender.

         COSTS AND EXPENSES. Except as otherwise limited by the Texas Credit
         Code and the Texas Finance Code, Borrower agrees to pay upon demand all
         of Lender's expenses related to the Loans, including, without
         limitation, attorneys' fees, incurred in connection with the
         preparation, execution, enforcement, and modification of this Agreement
         or in connection with the Loans made pursuant to this Agreement. Lender
         may hire one or more attorneys to help collect the Indebtedness if
         Borrower does not pay, and Borrower will pay Lender's reasonable
         attorneys' fees. Borrower also will pay Lender all other amounts
         actually incurred by Lender as court costs, and all lawful fees for
         filing, recording, or releasing to any public office any instrument
         securing the Indebtedness; the reasonable cost actually expended for
         repossessing, storing, preparing for sale, and selling any Collateral;
         fees for noting a lien on or transferring a certificate of title to any
         motor vehicle offered as security for the Indebtedness; and, premiums
         or identifiable charges incurred in connection with the acquisition of
         insurance which Lender is authorized to obtain hereunder or under any
         Related Documents.




                                       10
<PAGE>


         NOTICES. Subject to the ability of Lender, at its option, to make
         Advances on the oral request of an authorized person as specified
         hereinabove, all notices required to be given under this Agreement
         shall be given in writing, may be sent by telefacsimile (unless
         otherwise required by law), and shall be effective when actually
         received by the party for whom intended or, if not sooner received: on
         the first (1st) Business Day after deposited with a nationally
         recognized overnight courier or deposited in the United States mail,
         first class, postage prepaid, addressed to the party to whom the notice
         is to be given at the address shown above. Any party may change its
         address for notices under this Agreement by giving formal written
         notice to the other parties, specifying that the purpose of the notice
         is to change the party's address. For notice purposes, Borrower will
         keep Lender informed at all times of Borrower's current address(es).

         PAYMENT OF INTEREST AND FEES. Notwithstanding any other provision of
         this Agreement or any provision of any Related Document, Borrower does
         not agree or intend to pay, and Lender does not agree or intend to
         contract for, charge, collect, take, reserve or receive (collectively
         referred to herein as "charge or collect"), any amount in the nature of
         interest or in the nature of a fee for these Loans, or any other Loan
         with Borrower, which would in any way or event (including demand,
         prepayment, or acceleration) cause Lender to charge or collect more for
         the Loan than the maximum Lender would be permitted to charge or
         collect by any applicable federal law or any applicable law of the
         State of Texas. Any such excess interest or unauthorized fee shall,
         instead of anything stated to the contrary, be applied first to reduce
         the unpaid principal balance of the Loan, and when the principal has
         been paid in full, be refunded to Borrower. The right to accelerate
         maturity of sums due under this Agreement does not include the right to
         accelerate any interest which has not otherwise accrued on the date of
         such acceleration, and Lender does not intend to charge or collect any
         unearned interest in the event of acceleration. All sums paid or agreed
         to be paid to Lender for the use, forbearance or detention of sums paid
         under this Agreement shall, to the extent permitted by applicable law,
         be amortized, prorated, allocated and spread throughout the full term
         of the applicable Loan evidenced by this Agreement until payment in
         full so that the rate or amount of interest on account of any Loan
         Evidenced by this Agreement does not exceed the applicable usury
         ceiling. When the term "interest" is used in the context of "payment of
         interest", it is the intent of the parties that all such references
         shall be to accrued and unpaid interest, and in no event will Borrower
         ever be required to pay unearned interest.

         SEVERABILITY. If a court of competent jurisdiction finds any provision
         of this Agreement to be invalid or unenforceable as to any person or
         circumstance, such finding shall not render that provision invalid or
         unenforceable as to any other persons or circumstances. If feasible,
         any such offending provision



                                       11
<PAGE>



         shall be deemed to be modified to be within the limits of
         enforceability or validity; however, if the offending provision cannot
         be so modified, it shall be stricken and all other provisions of this
         Agreement in all other respects shall remain valid and enforceable.

         SUBSIDIARIES AND AFFILIATES OF BORROWER. To the extent the context of
         any provisions of this Agreement makes it appropriate, including,
         without limitation, any representation, warranty or covenant, the word
         "Borrower" as used herein shall include all subsidiaries and affiliates
         of Borrower. Notwithstanding the foregoing however, under no
         circumstances shall this Agreement be construed to require Lender to
         make any Loan or other financial accommodation to any subsidiary or
         affiliate of Borrower.

         SUCCESSORS AND ASSIGNS. All covenants and agreements contained by or on
         behalf of a party hereto shall bind its successors and assigns and
         shall inure to the benefit of the other party, its successors and
         assigns. Borrower shall not, however, have the right to assign its
         rights under this Agreement or any interest therein, without the prior
         written consent of Lender.

         SURVIVAL. All warranties, representations, and covenants made by a
         party in this Agreement or in any certificate or other instrument
         delivered by that party to the other party under this Agreement shall
         be considered to have been relied upon by the party to whom made and
         will survive the making of the Loans and delivery to Lender of the
         Related Documents, regardless of any investigation made by the party to
         whom made or on that party's behalf.

         TIME IS OF THE ESSENCE. Time is of the essence in the performance of
         this Agreement.

         WAIVER. A party hereto shall not be deemed to have waived any rights
         under this Agreement unless such waiver is given in writing and signed
         by that party. No delay or extension on the part of a party hereto in
         exercising any right shall operate as a waiver of such right or any
         other right. A waiver by a party hereto of a provision of this
         Agreement shall not prejudice or constitute a waiver of that party's
         right otherwise to demand strict compliance with that provision or any
         other provision of this Agreement. No prior waiver by Lender, nor any
         course of dealing between Lender and Borrower, or between Lender and
         any Guarantor, shall constitute a waiver of any rights or of any
         obligations of either party hereto or of any Guarantor as to any future
         transactions. Whenever the consent of a party hereto is required under
         this Agreement, the granting of such consent by that party in any
         instance shall not constitute continuing consent in subsequent
         instances where such consent is required, and in all cases such consent
         may be granted or withheld in the sole discretion of that party.




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<PAGE>


         BORROWER ACKNOWLEDGES HAVING READ ALL THE PROVISIONS OF THIS LOAN
AGREEMENT, AND BORROWER AGREES TO ITS TERMS. THIS AGREEMENT IS DATED AS OF THE
EFFECTIVE DATE.




BORROWER:                                 LENDER:

DNA COMPUTING SOLUTIONS, INC., a          FIRSTCAPITAL BANK, SSB
Delaware corporation




By: /s/ ROBERT P. CAPPS                  By: /s/ LUCIEN BRUCE
   -------------------------------          ------------------------------------
Robert P. Capps,                            Lucien Bruce, First Vice President
Executive Vice-President



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