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Exhibit 10.13
 BUSINESS LOAN AGREEMENT
 Principal
$500,000.00
    
    Loan Date
11-01-2007
    
    Maturity
11-01-2008
    
    Loan No
6824
    
    Call/Coll
    
    Account
    
    Officer
BLD
    
    Initials
  Borrower:
    
    RBC Life Sciences, Inc.
    
    Lender:
    
    Independent Bank of Texas2301 Crown Court
    
    
    
    P. O. Box 167099Irving, TX 75038
    
    
    
    Irving, TX 75016-7099(972) 870-9300
 THIS BUSINESS LOAN AGREEMENT dated November 1. 2007, is made and executed between RBC Life
Sciences, Inc (Borrower) and Independent Bank of Texas (Lender) on the following terms and
conditions. Borrower has received prior commercial loans from Lender or has applied to Lender for a
commercial loan or loans or other financial accommodations, including those which may be described
on any exhibit or schedule attached to this Agreement (Loan). Borrower understands and agrees
that: (A) in granting, renewing, or extending any Loan, Lender is relying upon Borrowers
representations, warranties, and agreements as set forth in this Agreement; (B) the granting,
renewing, or extending of any Loan by Lender at all times shall be subject to Lenders sole
judgment end discretion; and (C) all such Loans shall be and remain subject to the terms and
conditions of this Agreement.
 TERM.
 ADVANCE AUTHORITY.
 CONDITIONS PRECEDENT TO EACH ADVANCE.
 Loan Documents.
 Borrowers Authorization.
 Payment of Fees and Expenses.
 Representations and Warranties.
 No Event of Default.
 REPRESENTATIONS AND WARRANTIES.
 Organization.




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BUSINESS LOAN AGREEMENTLoan No: 6824
    
    (Continued)
    
    Page 2
 Assumed Business Names. None.
 Authorization.
 Financial Information.
 Legal Effect.
 Properties.
 Hazardous Substances.
 Litigation and Claims.
 Taxes.
 Lien Priority.
 Binding Effect.




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BUSINESS LOAN AGREEMENTLoan No: 6824
    
    (Continued)
    
    Page 3
 AFFIRMATIVE COVENANTS.
 Notices of Claims and Litigation.
 Financial Records.
 Financial Statements.
 Annual Statements.
 Interim Statements.
 Tax Returns.
 Additional Requirements.
  Additional Information.
 Insurance. BORROWER MAY FURNISH THE INSURANCE REQUIRED BY THIS AGREEMENT
WHETHER THROUGH EXISTING POLICIES OWNED OR CONTROLLED BY BORROWER OR THROUGH EQUIVALENT COVERAGE
FROM ANY INSURANCE COMPANY AUTHORIZED TO TRANSACT BUSINESS IN TEXAS.
 Insurance Reports.
 Guaranties.
 Name of Guarantor
    
    AmountClinton H. Howard
    
    Unlimited
 Other Agreements.
 Loan Proceeds.
 Taxes, Charges and Liens.
 Performance.




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BUSINESS LOAN AGREEMENTLoan No: 6824
    
    (Continued)
    
    Page 4
 Operations.
 Environmental Studies.
 Compliance with Governmental Requirements.
 Inspection.
 Compliance Certificates.
 Environmental Compliance and Reports.
 Additional Assurances.
 LENDERS EXPENDITURES.
 NEGATIVE COVENANTS.
 Indebtedness and Liens.




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BUSINESS LOAN AGREEMENTLoan No: 6824
    
    (Continued)
    
    Page 5
 Continuity of Operations.
 Loans, Acquisitions and Guaranties.
 Agreements.
 CESSATION OF ADVANCES.
 RIGHT OF SETOFF.
 DEFAULT.
 Payment Default.
 Other Defaults.
 Default in Favor of Third Parties.
 False Statements.
 Insolvency.
 Defective Collateralization.
 Creditor or Forfeiture Proceedings.
 Events Affecting Guarantor.
 Change in Ownership.




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BUSINESS LOAN AGREEMENTLoan No: 6824
    
    (Continued)
    
    Page 6
 Adverse Change.
 Insecurity.
 Right to Cure.
 EFFECT OF AN EVENT OF DEFAULT.
 MISCELLANEOUS PROVISIONS.
 Amendments.
 Attorneys Fees; Expenses.
 Caption Headings.
 Consent to Loan Participation.
 Governing Law. This Agreement will be governed by federal law applicable to Lender and, to the
extent not preempted by federal law, the laws of the State of Texas without regard to its
conflicts of law provisions. This Agreement has been accepted by Lender in the State of Texas.
 Choice of Venue.
 No Waiver by Lender.




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BUSINESS LOAN AGREEMENTLoan No: 6824
    
    (Continued)
    
    Page 7
 Notices.
 Payment of Interest and Fees.
 Severability.
 Subsidiaries and Affiliates of Borrower.
 Successors and Assigns.
 Survival of Representations and Warranties.
 Time is of the Essence.
 DEFINITIONS.
 Advance.
 Agreement.
 Borrower.
 Collateral.




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BUSINESS LOAN AGREEMENTLoan No: 6824
    
    (Continued)
    
    Page 8
 Environmental Laws.
 Event of Default.
 GAAP.
 Grantor.
 Guarantor.
 Guaranty.
 Hazardous Substances.
 Indebtedness.
 Lender.
 Loan.
 Note.
 Permitted Liens.
 Related Documents.
 Security Agreement.
 Security Interest.




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BUSINESS LOAN AGREEMENTLoan No: 6824
    
    (Continued)
    
    Page 9
 BORROWER ACKNOWLEDGES HAVING READ ALL THE PROVISIONS OF THIS BUSINESS LOAN AGREEMENT AND BORROWER
AGREES TO ITS TERMS. THIS BUSINESS LOAN AGREEMENT IS DATED NOVEMBER 1, 2007.
 BORROWER:
 RBC LIFE SCIENCES, INC
 By:
    
    /s/ Steven E. Brown

Steven E. Brown, Vice President, CFO of RBC Life Sciences, Inc
 LENDER:
 INDEPENDENT BANK OF TEXAS
 By:
    
    /s/ Brad L. Durham

Authorized Signer