WHEN RECORDED MAIL TO:
     GE Capital Small Business Finance Corporation
     635 Maryville Centre Drive
     Suite # 120
     St. Louis, MO 63141

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This Mortgage prepared by:

       Name: Tammy Ziegelmeyer, Loan Doc. Specialist
       Company: GE Capital Small Business Finance Corp.
       Address: 635 Maryville Centre Drive, Ste. 120, St. Louis, MO 63141
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                                    MORTGAGE

THIS MORTGAGE IS DATED SEPTEMBER 13, 1999, BETWEEN DYNAMIC HEALTH PRODUCTS,
INC., A FLORIDA CORPORATION**, WHOSE ADDRESS IS 6950 BRYAN DAIRY ROAD, LARGO, FL
33777 (REFERRED TO BELOW AS "GRANTOR"); AND GE CAPITAL SMALL BUSINESS FINANCE
CORPORATION, WHOSE ADDRESS IS 635 MARYVILLE CENTRE DRIVE, SUITE # 120, ST.
LOUIS, MO 63141 (REFERRED TO BELOW AS "LENDER"). ** FORMERLY KNOWN AS ENERGY
FACTORS, INC.

GRANT OF MORTGAGE. For valuable consideration, Grantor mortgages to Lender all
of Grantor's right, title, and interest in and to the following described real
property, together with all existing or subsequently erected or affixed
buildings, improvements and fixtures; all easements, rights of way, and
appurtenances; all water, water rights, watercourses and ditch rights (including
stock in utilities with ditch or irrigation rights); and all other rights,
royalties, and profits relating to the real property, including without
limitation all minerals, oil, gas, geothermal and similar matters, LOCATED IN
PINELLAS COUNTY, STATE OF FLORIDA (THE "REAL PROPERTY"):

          SEE EXHIBIT "A" ATTACHED HERETO AND INCORPORATED HEREIN BY REFERENCE.
THE REAL PROPERTY OR ITS ADDRESS IS COMMONLY KNOWN AS 6950 BRYAN DAIRY ROAD,
LARGO, FL 33777.

Grantor presently assigns to Lender all of Grantor's right, title, and interest
in and to all leases of the Property and all Rents from the Property. In
addition, Grantor grants to Lender a Uniform Commercial Code security interest
in the Personal Property and Rents.

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

     GRANTOR. The word "Grantor" means DYNAMIC HEALTH PRODUCTS, INC. The
     Grantor is the mortgagor under this Mortgage.

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

     IMPROVEMENTS. The word "Improvements" means and includes without limitation
     all existing and future improvements, buildings, structures, mobile homes
     affixed on the Real Property, facilities, additions, replacements and other
     construction on the Real Property.

     INDEBTEDNESS. The word "Indebtedness" means all principal and interest
     payable under the Note and any amounts expended or advanced by Lender to
     discharge obligations of Grantor or expenses incurred by Lender to enforce
     obligations of Grantor under this Mortgage, together with interest on such
     amounts as provided in this Mortgage. In addition to the Note, the word
     "Indebtedness" includes all obligations, debts and liabilities, plus
     interest thereon, of Grantor to Lender, or any one or more of them, as well
     as all claims by Lender against Grantor, or any one or more of them,
     whether now existing or hereafter arising, whether related or unrelated to
     the purpose of the Note, whether voluntary or otherwise, whether due or not
     due, absolute or contingent, liquidated or unliquidated and whether Grantor
     may be liable individually or jointly with others, whether obligated as
     guarantor or otherwise, and whether recovery upon such indebtedness may be
     or hereafter may become barred by any statute of limitations, and whether
     such Indebtedness may be or hereafter may become otherwise unenforceable.

     LENDER. The word "Lender" means GE Capital Small Business Finance
     Corporation, its successors and assigns. The Lender is the mortgagee under
     this Mortgage.

     MORTGAGE. The word "Mortgage" means this Mortgage between Grantor and
     Lender, and includes without limitation all assignments and security
     interest provisions relating to the Personal Property and Rents.

     NOTE. The word "Note" means the promissory note or credit agreement dated
     September 13, 1999, IN THE ORIGINAL PRINCIPAL AMOUNT OF $880,000.00 from
     Grantor to Lender, together with all renewals of, extensions of,
     modifications of, refinancings of, consolidations of, and substitutions for
     the promissory note or agreement. The final maturity date of the Note is
     October 1, 2024. NOTICE TO GRANTOR: THE NOTE CONTAINS A VARIABLE INTEREST
     RATE.

     PERSONAL PROPERTY. The words "Personal Property" mean all equipment,
     fixtures, and other articles of personal property now or hereafter owned by
     Grantor, and now or hereafter attached or affixed to the Real Property;
     together with all accessions, parts, and additions to, all replacements of,
     and all substitutions for, any of such property; and together with all
     proceeds (including without limitation all insurance proceeds and refunds
     of premiums) from any sale or other disposition of the Property.

     PROPERTY. The word "Property" means collectively the Real Property and the
     Personal Property.

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     REAL PROPERTY. The words "Real Property" mean the property, interests and
     rights described above in the "Grant of Mortgage" section.

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

     RENTS. The word "Rents" means all present and future rents, revenues,
     income, issues, royalties, profits, and other benefits derived from the
     Property.

THIS MORTGAGE, INCLUDING THE ASSIGNMENT OF RENTS AND THE SECURITY INTEREST IN
THE RENTS AND PERSONAL PROPERTY, IS GIVEN TO SECURE (1) PAYMENT OF THE
INDEBTEDNESS AND (2) PERFORMANCE OF ALL OBLIGATIONS OF GRANTOR UNDER THIS
MORTGAGE AND THE RELATED DOCUMENTS. THIS MORTGAGE IS GIVEN AND ACCEPTED ON THE
FOLLOWING TERMS:

PAYMENT AND PERFORMANCE. Except as otherwise provided in this Mortgage, Grantor
shall pay to Lender all amounts secured by this Mortgage as they become due, and
shall strictly perform all of Grantor's obligations under this Mortgage.

POSSESSION AND MAINTENANCE OF THE PROPERTY. Grantor agrees that Grantor's
possession and use of the Property shall be governed by the following
provisions:

     POSSESSION AND USE. Until Grantor's interest in any or all of the Property
     is foreclosed, Grantor may remain in possession and control of and operate
     and manage the Property and collect the Rents from the Property.

     DUTY TO MAINTAIN. Grantor shall maintain the Property in tenantable
     condition and promptly perform all repairs, replacements, and maintenance
     necessary to preserve its value.

     HAZARDOUS SUBSTANCES. The terms "hazardous waste," "hazardous substance,"
     "disposal," "release," and "threatened release," as used in this Mortgage,
     shall have the same meanings as set forth in the Comprehensive
     Environmental Response, Compensation, and Liability Act of 1980, as
     amended, 42 U.S.C. Section 9601, et seq. ("CERCLA"), the Superfund
     Amendments and Reauthorization Act of 1986, Pub. L. No. 99-499 ("SARA"),
     the Hazardous Materials Transportation Act, 49 U.S.C. Section 1801, et
     seq., the Resource Conservation and Recovery Act, 42 U.S.C. Section 6901,
     et seq., or other applicable state or Federal laws, rules, or regulations
     adopted pursuant to any of the foregoing. The terms "hazardous waste" and
     "hazardous substance" shall also include, without limitation, petroleum and
     petroleum by-products or any fraction thereof and asbestos. Grantor
     represents and warrants to Lender that: (a) During the period of Grantor's
     ownership of the Property, there has been no use, generation, manufacture,
     storage, treatment, disposal, release or threatened release of any
     hazardous waste or substance by any person on, under, about or from the
     Property; (b) Grantor has no knowledge of, or reason to believe that there
     has been, except as previously disclosed to and acknowledged by Lender in
     writing, (i) any use, generation, manufacture, storage, treatment,
     disposal, release, or threatened release of any hazardous waste or
     substance on, under, about or from the Property by any prior owners or
     occupants of the Property or (ii) any actual or threatened litigation or
     claims of any kind by any person relating to such matters; and (c) Except
     as previously disclosed to and acknowledged by Lender in writing, (i)
     neither Grantor nor any tenant, contractor, agent or other authorized user
     of the Property shall use, generate, manufacture, store, treat, dispose of,
     or release any hazardous waste or substance on, under, about or from the
     Property and (ii) any such activity shall be conducted in compliance with
     all applicable federal, state, and local laws, regulations and ordinances,
     including without limitation those laws, regulations, and ordinances
     described above. Grantor authorizes Lender and its agents to enter upon the
     Property to make such inspections and tests, at Grantor's expense, as
     Lender may deem appropriate to determine compliance of the Property with
     this section of the Mortgage. Any inspections or tests made by Lender shall
     be for Lender's purposes only and shall not be construed to create any
     responsibility or liability on the part of Lender to Grantor or to any
     other person. The representations and warranties contained herein are based
     on Grantor's due diligence in investigating the Property for hazardous
     waste and hazardous substances. Grantor hereby (a) releases and waives any
     future claims against Lender for indemnity or contribution in the event
     Grantor becomes liable for cleanup or other costs under any such laws, and
     (b) agrees to indemnify and hold harmless Lender against any and all
     claims, losses, liabilities, damages, penalties, and expenses which Lender
     may directly or indirectly sustain or suffer resulting from a breach of
     this section of the Mortgage or as a consequence of any use, generation,
     manufacture, storage, disposal, release or threatened release of a
     hazardous waste or substance on the properties. The provisions of this
     section of the Mortgage, including the obligation to indemnify, shall
     survive the payment of the Indebtedness and the satisfaction and
     reconveyance of the lien of this Mortgage and shall not be affected by
     Lenders acquisition of any interest in the Property, whether by foreclosure
     or otherwise.

     NUISANCE, WASTE. Grantor shall not cause, conduct or permit any nuisance
     nor commit, permit, or suffer any stripping of or waste on or to the
     Property or any portion of the Property. Without limiting the generality of
     the foregoing, Grantor will not remove, or grant to any other party the
     right to remove, any timber, minerals (including oil and gas), soil, gravel
     or rock products without the prior written consent of Lender.

     REMOVAL OF IMPROVEMENTS. Grantor shall not demolish or remove any
     Improvements from the Real Property without the prior written consent of
     Lender. As a condition to the removal of any Improvements, Lender may
     require Grantor to make arrangements satisfactory to Lender to replace such
     Improvements with Improvements of at least equal value.

     SUBSEQUENT LIENS. Grantor shall not allow any subsequent liens or mortgages
     on all or any portion of the Property without the prior written consent of
     Lender.

     LENDER'S RIGHT TO ENTER. Lender and its agents and representatives may
     enter upon the Real Property at all reasonable times to attend to Lender's
     interests and to inspect the Property for purposes at Grantor's compliance
     with the terms and conditions of this Mortgage.

     COMPLIANCE WITH GOVERNMENTAL REQUIREMENTS. Grantor shall promptly comply
     with all laws, ordinances, and regulations, now or hereafter in effect, of
     all governmental authorities applicable to the use or occupancy of the
     Property, including without limitation, the Americans With Disabilities
     Act. Grantor may contest in good faith any such law, ordinance, or
     regulation and withhold compliance during any proceeding, including
     appropriate appeals, so long as Grantor has notified Lender in writing
     prior to doing so and so long as, in Lenders sole opinion, Lender's
     interests in the Property are not jeopardized. Lender may require Grantor
     to post adequate security or a surety bond, reasonably satisfactory to
     Lender, to protect Lender's interest.

     DUTY TO PROTECT. Grantor agrees neither to abandon nor leave unattended the
     Property. Grantor shall do all other acts, in addition to those acts set
     forth above in this section, which from the character and use of the
     Property are reasonably necessary to protect and preserve the Property.


<PAGE>


09-13-1999                     MORTGAGE                                   PAGE 3
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DUE ON SALE - CONSENT BY LENDER. Lender may, at its option, declare immediately
due and payable all sums secured by this Mortgage upon the sale or transfer,
without the Lender's prior written consent, of all or any part of the Real
Property, or any interest in the Real Property. A "sale or transfer" means the
conveyance of Real Property or any right, title or interest therein; whether
legal, beneficial or equitable; whether voluntary or involuntary; whether by
outright sale, deed, installment sale contract, land contract, contract for
deed, leasehold interest with a term greater than three (3) years, lease-option
contract, or by sale, assignment, or transfer of any beneficial interest in or
to any land trust holding title to the Real Property, or by any other method of
conveyance of Real Property interest. If any Grantor is a corporation,
partnership or limited liability company, transfer also includes any change in
ownership of more than twenty-five percent (25%) of the voting stock,
partnership interests or limited liability company interests, as the case may
be, of Grantor. However, this option shall not be exercised by Lender if such
exercise is prohibited by federal law or by Florida law.

TAXES AND LIENS. The following provisions relating to the taxes and liens on the
Property are a part of this Mortgage.

     PAYMENT. Grantor shall pay when due (and in all events prior to
     delinquency) all taxes, payroll taxes, special taxes, assessments, water
     charges and sewer service charges levied against or on account of the
     Property, and shall pay when due all claims for work done on or for
     services rendered or material furnished to the Property. Grantor shall
     maintain the Property free of all liens having priority over or equal to
     the interest of Lender under this Mortgage, except for the lien of taxes
     and assessments not due, and except as otherwise provided in the following
     paragraph.

     RIGHT TO CONTEST. Grantor may withhold payment of any tax, assessment, or
     claim in connection with a good faith dispute over the obligation to pay,
     so long as Lender's interest in the Property is not jeopardized. If a lien
     arises or is filed as a result of nonpayment, Grantor shall within fifteen
     (15) days after the lien arises or, If a lien is filed, within fifteen (15)
     days after Grantor has notice of the filing, secure the discharge of the
     lien, or if requested by Lender, deposit with Lender cash or a sufficient
     corporate surety bond or other security satisfactory to Lender in an amount
     sufficient to discharge the lien plus any costs and reasonable attorneys'
     fees or other charges that could accrue as a result of a foreclosure or
     sale under the lien. In any contest, Grantor shall defend itself and Lender
     and shall satisfy any adverse judgment before enforcement against the
     Property. Grantor shall name Lender as an additional obligee under any
     surety bond furnished in the contest proceedings.

     EVIDENCE OF PAYMENT. Grantor shall upon demand furnish to Lender
     satisfactory evidence of payment of the taxes or assessments and shall
     authorize the appropriate governmental official to deliver to Lender at any
     time a written statement of the taxes and assessments against the Property.

     NOTICE OF CONSTRUCTION. Grantor shall notify Lender at least fifteen (15)
     days before any work is commenced, any services are furnished, or any
     materials are supplied to the Property, if any mechanic's lien,
     materialmen's lien, or other lien could be asserted on account of the work,
     services, or materials. Grantor will upon request of Lender furnish to
     Lender advance assurances satisfactory to Lender that Grantor can and will
     pay the cost of such improvements.

PROPERTY DAMAGE INSURANCE. The following provisions relating to insuring the
     Property are a part of this Mortgage.

     MAINTENANCE OF INSURANCE. Grantor shall procure and maintain policies of
     fire insurance with standard extended coverage endorsements on a
     replacement basis for the full insurable value covering all Improvements on
     the Real Property in an amount sufficient to avoid application of any
     coinsurance clause, and with a standard mortgagee clause in favor of
     Lender. Grantor shall also procure and maintain comprehensive general
     liability insurance in such coverage amounts as Lender may request with
     Lender being named as additional insureds in such liability insurance
     policies. Additionally, Grantor shall maintain such other insurance,
     including but not limited to hazard, business interruption and boiler
     insurance as Lender may require. Policies shall be written by such
     insurance companies and in such form as may be reasonably acceptable to
     Lender. Grantor shall deliver to Lender certificates of coverage from each
     insurer containing a stipulation that coverage will not be cancelled or
     diminished without a minimum of ten (10) days' prior written notice to
     Lender and not containing any disclaimer of the insurer's liability for
     failure to give such notice. Each insurance policy also shall include an
     endorsement providing that coverage In favor of Lender will not be impaired
     in any way by any act, omission or default of Grantor or any other person.
     Should the Real Property at any time become located in an area designated
     by the Director of the Federal Emergency Management Agency as a special
     flood hazard area, Grantor agrees to obtain and maintain Federal Flood
     Insurance for the full unpaid principal balance of the loan and any prior
     liens on the property securing the loan, up to the maximum policy limits
     set under the National Flood Insurance Program, or as otherwise required by
     Lender, and to maintain such insurance for the term of the loan.

     APPLICATION OF PROCEEDS. Grantor shall promptly notify Lender of any loss
     or damage to the Property. Lender may make proof of loss if Grantor fails
     to do so within fifteen (15) days of the casualty. Whether or not Lender's
     security is impaired, Lender may, at its election, apply the proceeds to
     the reduction of the Indebtedness, payment of any lien affecting the
     Property, or the restoration and repair of the Property. If Lender elects
     to apply the proceeds to restoration and repair, Grantor shall repair or
     replace the damaged or destroyed Improvements in a manner satisfactory to
     Lender. Lender shall, upon satisfactory proof of such expenditure, pay or
     reimburse Grantor from the proceeds for the reasonable cost of repair or
     restoration if Grantor is not in default under this Mortgage. Any proceeds
     which have not been disbursed within 180 days after their receipt and which
     Lender has not committed to the repair or restoration of the Property shall
     be used first to pay any amount owing to Lender under this Mortgage, then
     to pay accrued interest, and the remainder, if any, shall be applied to the
     principal balance of the Indebtedness. If Lender holds any proceeds after
     payment in full of the Indebtedness, such proceeds shall be paid to
     Grantor.

     UNEXPIRED INSURANCE AT SALE. Any unexpired insurance shall inure to the
     benefit of, and pass to, the purchaser of the Property covered by this
     Mortgage at any trustee's sale or other sale held under the provisions of
     this Mortgage, or at any foreclosure sale of such Property.

     GRANTOR'S REPORT ON INSURANCE. Upon request of Lender, however not more
     than once a year, Grantor shall furnish to Lender a report on each existing
     policy of insurance showing: (a) the name of the insurer; (b) the risks
     Insured; (c) the amount of the policy; (d) the property insured, the then
     current replacement value of such property, and the manner of determining
     that value; and (e) the expiration date of the policy. Grantor shall, upon
     request of Lender, have an independent appraiser satisfactory to Lender
     determine the cash value replacement cost of the Property.

EXPENDITURES BY LENDER. If Grantor fails to comply with any provision of this
Mortgage, or if any action or proceeding is commenced that would materially
affect Lender's interests in the Property, Lender on Grantor's behalf may, but
shall not be required to, take any action that Lender deems appropriate. Any
amount that Lender expends in so doing will bear interest at the rate provided
for in the Note from the date incurred or paid by Lender to the date of
repayment by Grantor. All such expenses, at Lender's option, will (a) be payable
on demand, (b) be added to the balance of the Note and be apportioned among and
be payable with any installment payments to become due during either (i) the
term of any applicable insurance policy or (ii) the remaining term of the Note,
or (c) be treated as a balloon payment which will be due and payable at the
Note's maturity. This Mortgage also will secure payment of these amounts. The
rights provided for in this paragraph shall be in addition to any other rights
or any remedies to which Lender may be entitled on account of the default. Any
such action by Lender shall not be construed as curing the default so as to bar
Lender

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09-13-1999                MORTGAGE                                     PAGE 4
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================================================================================
from any remedy that It otherwise would have had.

WARRANTY; DEFENSE OF TITLE. The following provisions relating to ownership of
the Property are a part of this Mortgage.

     TITLE. Grantor warrants that: (a) Grantor holds good and marketable title
     of record to the Property in fee simple, free and clear of all liens and
     encumbrances other than those set forth in the Real Property description or
     in any title insurance policy, title report, or final title opinion issued
     in favor of, and accepted by, Lender in connection with this Mortgage, and
     (b) Grantor has the full right, power, and authority to execute and deliver
     this Mortgage to Lender.

     DEFENSE OF TITLE. Subject to the exception in the paragraph above, Grantor
     warrants and will forever defend the title to the Property against the
     lawful claims of all persons. In the event any action or proceeding is
     commenced that questions Grantor's title or the interest of Lender under
     this Mortgage, Grantor shall defend the action at Grantor's expense.
     Grantor may be the nominal party in such proceeding, but Lender shall be
     entitled to participate in the proceeding and to be represented in the
     proceeding by counsel of Lender's own choice, and Grantor will deliver, or
     cause to be delivered, to Lender such instruments as Lender may request
     from time to time to permit such participation.

     COMPLIANCE WITH LAWS. Grantor warrants that the Property and Grantor's use
     of the Property complies with all existing applicable laws, ordinances, and
     regulations of governmental authorities, including without limitation all
     applicable environmental laws, ordinances, and regulations, unless
     otherwise specifically excepted in the environmental agreement executed by
     Grantor and Lender relating to the Property.

CONDEMNATION, The following provisions relating to condemnation of the Property
are a part of this Mortgage.

     APPLICATION OF NET PROCEEDS. If all or any part of the Property is
     condemned by eminent domain proceedings or by any proceeding or purchase in
     lieu of condemnation, Lender may at its election require that all or any
     portion of the net proceeds of the award be applied to the Indebtedness or
     the repair or restoration of the Property. The net proceeds of the award
     shall mean the award after payment of all reasonable costs, expenses, and
     attorneys' fees incurred by Lender in connection with the condemnation.

     PROCEEDINGS. If any proceeding in condemnation is filed, Grantor shall
     promptly notify Lender in writing, and Grantor shall promptly take such
     steps as may be necessary to defend the action and obtain the award.
     Grantor may be the nominal party in such proceeding, but Lender shall be
     entitled to participate in the proceeding and to be represented in the
     proceeding by counsel of its own choice, and Grantor will deliver or cause
     to be delivered to Lender such instruments as may be requested by it from
     time to time to permit such participation.

IMPOSITION OF TAXES, FEES AND CHARGES BY GOVERNMENTAL AUTHORITIES. The following
provisions relating to governmental taxes, fees and charges are a part of this
Mortgage:

     CURRENT TAXES, FEES AND CHARGES. Upon request by Lender, Grantor shall
     execute such documents in addition to this Mortgage and take whatever other
     action is requested by Lender to perfect and continue Lender's lien on the
     Real Property. Grantor shall reimburse Lender for all taxes, as described
     below, together with all expenses incurred in recording, perfecting or
     continuing this Mortgage, including without limitation all intangible
     personal property taxes, documentary stamp taxes, fees, and other charges
     for recording or registering this Mortgage.

     TAXES. The following shall constitute taxes to which this section applies:
     (a) a specific tax, including without limitation an intangible personal
     property tax, upon this type of Mortgage or upon all or any part of the
     Indebtedness secured by this Mortgage; (b) a specific tax on Grantor which
     Grantor is authorized or required to deduct from payments on the
     Indebtedness secured by this type of Mortgage; (c) a tax on this type of
     Mortgage chargeable against the Lender or the holder of the Note; and (d) a
     specific tax on all or any portion of the Indebtedness or on payments of
     principal and interest made by Grantor.

     SUBSEQUENT TAXES. If any tax to which this section applies is enacted
     subsequent to the date of this Mortgage, this event shall have the same
     effect as an Event of Default (as defined below), and Lender may exercise
     any or all of its available remedies for an Event of Default as provided
     below unless Grantor either (a) pays the tax before it becomes delinquent,
     or (b) contests the tax as provided above in the Taxes and Liens section
     and deposits with Lender cash or a sufficient corporate surety bond or
     other security satisfactory to Lender.

SECURITY AGREEMENT; FINANCING STATEMENTS. The following provisions relating to
this Mortgage as a security agreement are a part of this Mortgage.

     SECURITY AGREEMENT. This instrument shall constitute a security agreement
     to the extent any of the Property constitutes fixtures or other personal
     property, and Lender shall have all of the rights of a secured party under
     the Uniform Commercial Code as amended from time to time.

     SECURITY INTEREST. Upon request by Lender, Grantor shall execute financing
     statements and take whatever other action is requested by Lender to perfect
     and continue Lender's security interest in the Rents and Personal Property.
     In addition to recording this Mortgage in the real property records, Lender
     may, at any time and without further authorization from Grantor, file
     executed counterparts, copies or reproductions of this Mortgage as a
     financing statement. Grantor shall reimburse Lender for all expenses
     incurred in perfecting or continuing this security interest. Upon default,
     Grantor shall assemble the Personal Property in a manner and at a place
     reasonably convenient to Grantor and Lender and make it available to Lender
     within three (3) days after receipt of written demand from Lender.

     ADDRESSES. The mailing addresses of Grantor (debtor) and Lender (secured
     party), from which information concerning the security interest granted by
     this Mortgage may be obtained (each as required by the Uniform Commercial
     Code), are as stated on the first page of this Mortgage.

FURTHER ASSURANCES; ATTORNEY-IN-FACT. The following provisions relating to
further assurances and attorney-in-fact are a part of this Mortgage.

     FURTHER ASSURANCES. At any time, and from time to time, upon request of
     Lender, Grantor will make, execute and deliver, or will cause to be made,
     executed or delivered, to Lender or to Lenders designee, and when requested
     by Lender, cause to be filed, recorded, refiled, or rerecorded, as the case
     may be, at such times and in such offices and places as Lender may deem
     appropriate, any and all such mortgages, deeds of trust, security deeds,
     security agreements, financing statements, continuation statements,
     instruments of further assurance, certificates, and other documents as may,
     in the sole opinion of Lender, be necessary or desirable in order to
     effectuate, complete, perfect, continue, or preserve (a) the obligations of
     Grantor under the Note, this Mortgage, and the Related Documents, and (b)
     the liens and security interests created by this Mortgage as first and
     prior liens on the Property, whether now owned or hereafter acquired by
     Grantor. Unless prohibited by law or agreed to the contrary by Lender in
     writing, Grantor shall reimburse Lender for all costs and expenses incurred
     in connection with the matters referred to in this paragraph.


<PAGE>




09-13-1999                      MORTGAGE                                 PAGE 5
LOAN NO 3109254008             (CONTINUED)
================================================================================

     ATTORNEY-IN-FACT. If Grantor fails to do any of the things referred to in
     the preceding paragraph, Lender may do so for and in the name of Grantor
     and at Grantor's expense. For such purposes, Grantor hereby irrevocably
     appoints Lender as Grantor's attorney-in-fact for the purpose of making,
     executing, delivering, filing, recording, and doing all other things as may
     be necessary or desirable, in Lenders sole opinion, to accomplish the
     matters referred to in the preceding paragraph.

FULL PERFORMANCE. If Grantor pays, all the Indebtedness when due, and otherwise
performs all the obligations imposed upon Grantor under this Mortgage, Lender
shall execute and deliver to Grantor a suitable satisfaction of this Mortgage
and suitable statements of termination of any financing statement on fife
evidencing Lenders security interest in the Rents and the Personal Property.
Grantor will pay, if permitted by applicable law, any reasonable termination fee
as determined by Lender from time to time.

DEFAULT. Each of the following, at the option of Lender, shall constitute an
event of default ("Event of Default") under this Mortgage:

     DEFAULT ON INDEBTEDNESS. Failure of Grantor to make any payment when due on
     the Indebtedness.

     DEFAULT ON OTHER PAYMENTS. Failure of Grantor within the time required by
     this Mortgage to make any payment for taxes or insurance, or any other
     payment necessary to prevent filing of or to effect discharge of any lien.

     ENVIRONMENTAL DEFAULT. Failure of any party to comply with or perform when
     due any term, obligation, covenant or condition contained in any
     environmental agreement executed in connection with the Property.

     COMPLIANCE DEFAULT. Failure of Grantor to comply with any other term,
     obligation, covenant or condition contained in this Mortgage, the Note or
     in any of the Related Documents.

     FALSE STATEMENTS. Any warranty, representation or statement made or
     furnished to Lender by or on behalf of Grantor under this Mortgage, the
     Note or the Related Documents is false or misleading in any material
     respect, either now or at the time made or furnished.

     DEFECTIVE COLLATERALIZATION. This Mortgage or any of the Related Documents
     ceases to be in full force and effect (including failure of any collateral
     documents to create a valid and perfected security interest or lien) at any
     time and for any reason.

     INSOLVENCY. The dissolution or termination of Grantor's existence as a
     going business, the insolvency of Grantor, the appointment of a receiver
     for any part of Grantor's property, any assignment 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 Grantor.

     FORECLOSURE, FORFEITURE, ETC. Commencement of foreclosure or forfeiture
     proceedings, whether by judicial proceeding, self-help, repossession or any
     other method, by any creditor of Grantor or by any governmental agency
     against any of the Property. However, this subsection shall not apply in
     the event of a good faith dispute by Grantor as to the validity or
     reasonableness of the claim which is the basis of the foreclosure or
     forefeiture proceeding, provided that Grantor gives Lender written notice
     of such claim and furnishes reserves or a surety bond for the claim
     satisfactory to Lender.

     BREACH OF OTHER AGREEMENT. Any breach by Grantor under the terms of any
     other agreement between Grantor and Lender that is not remedied within any
     grace period provided therein, including without limitation any agreement
     concerning any indebtedness or other obligation of Grantor to Lender,
     whether existing now or later.

     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.

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

RIGHTS AND REMEDIES ON DEFAULT. Upon the occurrence of any Event of Default and
at any time thereafter, Lender, at its option, may exercise any one or more of
the following rights and remedies, in addition to any other rights or remedies
provided by law:

     ACCELERATE INDEBTEDNESS. Lender shall have the right at its option without
     notice to Grantor to declare the entire Indebtedness immediately due and
     payable, including any prepayment penalty which Grantor would be required
     to pay.

     UCC REMEDIES. With respect to all or any part of the Personal Property,
     Lender shall have all the rights and remedies of a secured party under the
     Uniform Commercial Code.

     JUDICIAL FORECLOSURE. Lender may obtain a judicial decree foreclosing
     Grantor's interest in all or any part of the Property.

     DEFICIENCY JUDGMENT. If permitted by applicable law, Lender may obtain a
     judgment for any deficiency remaining in the Indebtedness due to Lender
     after application of all amounts received from the exercise of the rights
     provided in this section.

     TENANCY AT SUFFERANCE. If Grantor remains in possession of the Property
     after the Property is sold as provided above or Lender otherwise becomes
     entitled to possession of the Property upon default of Grantor, Grantor
     shall become a tenant at sufferance of Lender or the purchaser of the
     Property and shall, at Lenders option, either (a) pay a reasonable rental
     for the use of the Property, or (b) vacate the Property immediately upon
     the demand of Lender.

     OTHER REMEDIES. Lender shall have all other rights and remedies provided in
     this Mortgage or the Note or available at law or in equity.

     SALE OF THE PROPERTY. To the extent permitted by applicable law, Grantor
     hereby waives any and all right to have the property marshalled. In
     exercising its rights and remedies, Lender shall be free to sell all or any
     part of the Property together or separately, in one sale or by separate
     sales. Lender shall be entitled to bid at any public sale on all or any
     portion of the Property.

     NOTICE OF SALE. Lender shall give Grantor reasonable notice of the time and
     place of any public sale of the Personal Property or of the time after
     which any private sale or other intended disposition of the Personal
     Property is to be made. Reasonable notice shall mean notice given at least
     ten (10) days before the time of the sale or disposition.

     WAIVER; ELECTION OF REMEDIES. A waiver by any party of a breach of a
     provision of this Mortgage shall not constitute a waiver of or prejudice
     the party's rights otherwise to demand strict compliance with that
     provision or any other provision. Election by Lender to pursue any remedy
     shall not exclude pursuit of any other remedy, and an election to make
     expenditures or take action to perform an obligation of Grantor under this
     Mortgage


<PAGE>




09-13-1999                       MORTGAGE                                PAGE 6
LOAN NO 3109254008             (CONTINUED)
================================================================================

     after failure of Grantor to perform shall not affect Lender's right to
     declare a default and exercise its remedies under this Mortgage.

     ATTORNEYS' FEES; EXPENSES. If Lender institutes any suit or action to
     enforce any of the terms of this Mortgage, Lender shall be entitled to
     recover such sum as the court may adjudge reasonable as reasonable
     attorneys' fees at trial and on any appeal. Whether or not any court action
     is involved, all reasonable expenses incurred by Lender that in Lender's
     opinion are necessary at any time for the protection of its interest or the
     enforcement of its rights shall become a part of the Indebtedness payable
     on demand and shall bear interest from the date of expenditure until repaid
     at the rate provided for in the Note. Expenses covered by this paragraph
     include, without limitation, however subject to any limits under applicable
     law, Lender's reasonable attorneys' fees and Lender's legal expenses
     whether or not there is a lawsuit, including reasonable attorneys' fees for
     bankruptcy proceedings (including efforts to modify or vacate any automatic
     stay or injunction), appeals and any anticipated post-judgment collection
     services, the cost of searching records, obtaining title reports (including
     foreclosure reports), surveyors' reports, and appraisal fees, and title
     insurance, to the extent permitted by applicable law. Grantor also will pay
     any court costs, in addition to all other sums provided by law.

NOTICES TO GRANTOR AND OTHER PARTIES. Any notice under this Mortgage, including
without limitation any notice of default and any notice of sale, may be given
manually or by mail or courier service. Notice given by registered or certified
mail is deemed given when deposited in the United States mail, properly directed
to the intended recipient's address shown near the beginning of this Mortgage
and with postage fully prepaid. Notice otherwise given is deemed given when
actually received by the recipient or when delivered to the address to which
properly sent. Any party may change its address for notices under this Mortgage
by giving written notice to the other parties, specifying that the purpose of
the notice is to change the party's address. For notice purposes, Grantor agrees
to keep Lender informed at all times of Grantor's current address. If more than
one person constitutes Grantor, notice given to either or any of them is deemed
given to both or all of them.

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

     AMENDMENTS. This Mortgage, together with any Related Documents, constitutes
     the entire understanding and agreement of the parties as to the matters set
     forth in this Mortgage. No alteration of or amendment to this Mortgage
     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.

     ANNUAL REPORTS. If the Property is used for purposes other than Grantor's
     residence, Grantor shall furnish to Lender, upon request, a certified
     statement of net operating income received from the Property during
     Grantor's previous fiscal year in such form and detail as Lender shall
     require. "Net operating income" shall mean all cash receipts from the
     Property less all cash expenditures made in connection with the operation
     of the Property.

     APPLICABLE LAW. THE LOAN SECURED BY THIS LIEN WAS MADE UNDER A UNITED
     STATES SMALL BUSINESS ADMINISTRATION (SBA) NATIONWIDE PROGRAM WHICH USES
     TAX DOLLARS TO ASSIST SMALL BUSINESS OWNERS. IF THE UNITED STATES IS
     SEEKING TO ENFORCE THIS DOCUMENT, THEN UNDER SBA REGULATIONS: (A) WHEN SBA
     IS THE HOLDER OF THE NOTE, THIS DOCUMENT AND ALL DOCUMENTS EVIDENCING OR
     SECURING THIS LOAN WILL BE CONSTRUED IN ACCORDANCE WITH FEDERAL LAW. (B)
     LENDER OR SBA MAY USE LOCAL OR STATE PROCEDURES FOR PURPOSES SUCH AS FILING
     PAPERS, RECORDING DOCUMENTS, GIVING NOTICE, FORECLOSING LIENS, AND OTHER
     PURPOSES. BY USING THESE PROCEDURES, SBA DOES NOT WAIVE ANY FEDERAL
     IMMUNITY FROM LOCAL OR STATE CONTROL, PENALTY, TAX OR LIABILITY. NO
     BORROWER OR GUARANTOR MAY CLAIM OR ASSERT AGAINST SBA ANY LOCAL OR STATE
     LAW TO DENY ANY OBLIGATION OF BORROWER, OR DEFEAT ANY CLAIM OF SBA WITH
     RESPECT TO THIS LOAN. ANY CLAUSE IN THIS DOCUMENT REQUIRING ARBITRATION IS
     NOT ENFORCEABLE WHEN SBA IS THE HOLDER OF THE NOTE SECURED BY THIS
     INSTRUMENT.

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

     MERGER. There shall be no merger of the interest or estate created by this
     Mortgage with any other interest or estate in the Property at any time held
     by or for the benefit of Lender in any capacity, without the written
     consent of Lender.

     MULTIPLE PARTIES; CORPORATE AUTHORITY. All obligations of Grantor under
     this Mortgage shall be joint and several, and all references to Grantor
     shall mean each and every Grantor. This means that each of the persons
     signing below is responsible for all obligations in this Mortgage.

     SEVERABILITY. If a court of competent jurisdiction finds any provision of
     this Mortgage 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 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 Mortgage in all other respects shall remain valid and enforceable.

     SUCCESSORS AND ASSIGNS. Subject to the limitations stated in this Mortgage
     on transfer of Grantor's interest, this Mortgage shall be binding upon and
     inure to the benefit of the parties, their successors and assigns. If
     ownership of the Property becomes vested in a person other than Grantor,
     Lender, without notice to Grantor, may deal with Grantor's successors with
     reference to this Mortgage and the Indebtedness by way of forbearance or
     extension without releasing Grantor from the obligations of this Mortgage
     or liability under the Indebtedness.

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

     WAIVERS AND CONSENTS. Lender shall not be deemed to have waived any rights
     under this Mortgage (or under the Related Documents) unless such waiver is
     in writing and signed by Lender. No delay or omission on the part of Lender
     in exercising any right shall operate as a waiver of such right or any
     other right. A waiver by any party of a provision of this Mortgage shall
     not constitute a waiver of or prejudice the party's right otherwise to
     demand strict compliance with that provision or any other provision. No
     prior waiver by Lender, nor any course of dealing between Lender and
     Grantor, shall constitute a waiver of any of Lender's rights or any of
     Grantor's obligations as to any future transactions. Whenever consent by
     Lender is required in this Mortgage, the granting of such consent by Lender
     in any instance shall not constitute continuing consent to subsequent
     instances where such consent is required.


<PAGE>




   09-13-1999                  MORTGAGE                                  PAGE 7
   LOAN NO 3109254008         (CONTINUED)
================================================================================

GRANTOR ACKNOWLEDGES HAVING READ ALL THE PROVISIONS OF THIS MORTGAGE, AND
GRANTOR AGREES TO ITS TERMS.

   WITNESSES:                          GRANTOR:
   X___________________________        Dynamic Health Products, Inc.

                                       By:_______________________________ (SEAL)
   X___________________________            Kotha S. Sekharam, President

                                       By:_______________________________ (SEAL)
                                           Attest: William L LaGamba, Secretary

  ATTEST:
   ___________________________________            (CORPORATE SEAL)
      Secretary or Assistant Secretary


                            CORPORATE ACKNOWLEDGMENT
--------------------------------------------------------------------------------
   STATE OF FLORIDA)
   ----------------


   ____________________)SS


   COUNTY OF  PINELLAS)
   -------------------


   The foregoing instrument was acknowledged before me this
   ____________________ day of ____________________ 19 ___________ by Kotha S.
   Sekharam, President; and William L. LaGamba, Secretary of Dynamic Health
   Products, Inc., a Florida corporation, on behalf of the corporation.
   He/she is personally known to me or has produced ____________________ as
   identification and did I did not take an oath.


                               ________________________________________________
                               (Signature of Person Taking Acknowledgment)

                               ________________________________________________
                               (Name of Acknowledger Typed, Printed or Stamped)

                               ________________________________________________
                               (Title or Rank)

                               ________________________________________________
                               (Serial Number, if any)

================================================================================

<PAGE>


                                                                     EXHIBIT "A"


A TWELVE FOOT WIDE MEDIAN STRIP WITHIN THE RIGHT-OF-WAy OF ENDEAVOUR WAY BEING
SIX FEET CONTINUOUS ON EACH SIDE OF THE FOLLOWING DESCRIBED LINE: FROM THE
INTERSECTION OF THE CENTERLINE OF ENDEAVOR WAY AND THE EAST/WEST CENTERLINE OF
SECTION 18, TOWNSHIP 30 SOUTH, RANGE 16 EAST, PINELLAS COUNTY, FLORIDA, AS A
POINT OF REFERENCE: THENCE S. 00"02'38"W., ALONG THE CENTERLINE OF SAID
ENDEAVOUR WAY 58.00 FEET TO THE RADIUS POINT OF A SIX FOOT RADIUS CURVE, THE
POINT BEGINNING; THENCE CONTINUOUS 9.00"02'38"W., ALONG SAID CENTERLINE 54.00
FEET TO THE RADIUS POINT OF A SECOND SIX FOOT RADIUS CURVE, THE POINT OF
TERMINATION, LYING WITHIN SECTION 18, TOWNSHIP 30 SOUTH, RANGE 16 EAST, AS
RECORDED IN O.R. BOOK 5033, PAGE 1053 OF THE PUBLIC RECORDS OF PINELLAS COUNTY,
FLORIDA,


AND,


LOT 2, GATES' INDUSTRIAL PARK, ACCORDING TO THE PLAT THEREOF AS RECORDED IN PLAT
BOOK 77, PAGES 100 AND 101, PUBLIC RECORDS OF PINELLAS COUNTY, FLORIDA. LESS AND
EXCEPT THE FOLLOWING DESCRIBED PARCELS:

A PORTION OF SECTION 18, TOWNSHIP 30 SOUTH, RANGE 16 EAST, PINELLAS COUNTY,
FLORIDA AND BEING MORE PARTICULARLY DESCRIBED AS FOLLOWS:


COMMENCING AT THE CENTER OF SAID SECTION 18; THENCE ALONG THE EAST/WEST 1/2
SECTION LINE OF SAID SECTION 18, AND THE CENTERLINE OF COUNTY ROAD NO. 135, SAID
ROAD BEING ALSO KNOWN AS BRYAN DAIRY ROAD, S. 88"16'33" E., 316.25 FEET; THENCE
6.01"43'27". W, 40.00 FEET TO A POINT ON THE SOUTHERLY RIGHT-OF-WAY LINE OF SAID
ROAD, AS RECORDED IN O.R. 227, PAGE 194, PUBLIC RECORDS OF PINELLAS COUNTY,
FLORIDA, SAID POINT BEING ALSO THE POINT OF BEGINNING; THENCE ALONG SAID
SOUTHERLY RIGHT-OF-WAY LINE, S.88' 16'33" E., 267.33 FEET; TO A POINT ON THE
WESTERLY RIGHT-OF-WAY LINE OF ENDEAVOUR WAY ACCORDING TO THE PLAT OF GATES'
INDUSTRIAL PARK, AS RECORDED IN PLAT BOOK 77, PAGES 100 AND 101, PUBLIC RECORDS
OF PINELLAS COUNTY, FLORIDA, THENCE ALONG SAID WESTERLY RIGHT-OF-WAY LINE
6.00" 06' 45" W., 10.00 FEET; THENCE ALONG A LINE PARALLEL WITH AND 50 FEET
SOUTH OF SAID 1/2 SECTION LINE N. 88" 16' 33" W., 267.23 FEET TO A POINT ON THE
WESTERLY BOUNDARY LINE OF SAID GATES, INDUSTRIAL PARK; THENCE N. 00" 07' 27" E.
ALONG SAID WESTERLY BOUNDARY LINE 10.00 FEET TO THE POINT OF BEGINNING.

AND LESS

PORT "A"

A portion of Lot 2, GATES' INDUSTRIAL PARK Subdivision, according to plat
thereof, as recorded in Plat Book 77, Pages 100-101, public records of Pinellas
County, Florida, in the Southeast 1/4 of Section 18, Township 30 South, Range 6
East, Pinellas County, being described as follows:

     Commence at the Northwest corner of said Lot 2, run S 00'02'39" W along the
     West line thereof, a distance of 10,000 feet to a point on the South line
     of Bryan Dairy Road for a POINT OF BEGINNING:

     (1) thence S. 88'21'27" E. along said South line, a distance of 267.23 feet
     to the East line of said Lot 2; (2) thence S. 00'01'51" W. along said East
     line, a distance of 20.78 feet: (3) thence N. 44'58'09" W., for a distance
     of 13.30 feet; (4) thence N. 89'12'58" W. a distance of 257.74 feet to a
     point on the West line of said Lot 2; (5) thence N. 00'02'39" E. along said
     West line a distance 15.50 feet to the POINT OF BEGINNING.

Port "B"

That portion of that certain tract, as described in O.R. 8560, Page 283, public
records of Pinellas County, Florida, lying within 70 feet south of the East-West
Centerline of Section 18, Township 30 South, Range 16 East, being described as
follows:


     Commence at Northwest corner of Lot 2. GATES' INDUSTRIAL PARK Subdivision,
     according to plot thereof, as recorded in Plot Book 77, Pages 100-101,
     public records of Pinellas County, Florida, run S.88'21'27"E. along the
     North line of said Lot 2, a distance of 301.23 Ft.; thence S.00'01'51 W. a
     distance of 18.01 ft. to the Northwest corner of said tract, as described
     in O.R. 8560, Page 283, for a POINT OF BEGINNING:

     (6) thence S.88'21'27"E. a distance of 12.01 feet to the Northeast Corner
     of said tract: (7) thence S.00'01'51" W. along the East line of said tract,
     a distance of 12.01 feet: (8) thence N.88'21'27" W. a distance of 12.01
     Feet to a point on the West line of said tract: (9) thence N.00'01'51"E.
     along said West line a distance of 12.01 feet to POINT OF BEGINNING.

Acreage Summary:

          Port "A" Containing 3.649 Sq. Ft. M.O.L.
          Port "B" Containing   144 Sq. Ft. M.O.L.
--------------------------------------------------
Total Parcel 101 Containing:  3.793 Sq. Ft. M.O.L.

Basis of Bearings: Bearings Indicated are Based On the East-west Centerline of
                   Section 16, Township 30 South, Range 16 East, Pinellas
                   County, Florida, Being S.88'21'27" E.
                                          --------------


INITIAL______________                                                PAGE 1 OF 1

<PAGE>

U.S. SMALL BUSINESS ADMINISTRATION
[LOGO]
                                              U.S. Small Business Administration

                                                                 NOTE

--------------------------------------------------------------------------------
SBA Loan #        PLP #310-925-4008

--------------------------------------------------------------------------------
SBA Loan Name     Dynamic Health Products, Inc.

--------------------------------------------------------------------------------
Date              September 13, 1999

--------------------------------------------------------------------------------
Loan Amount       $ 880,000.00

--------------------------------------------------------------------------------
Interest Rate     Variable

--------------------------------------------------------------------------------
Borrower          Dynamic Health Products, Inc.

--------------------------------------------------------------------------------
Operating
Company

--------------------------------------------------------------------------------
Lender            GE Capital Small Business Finance Corporation

--------------------------------------------------------------------------------

 1. PROMISE TO PAY:

    In return for the Loan, Borrower promises to pay to the order of Lender the
    amount of Eight Hundred Eighty Thousand & 00/100 Dollars, interest on the
    unpaid principal balance, and all other amounts required by this Note.

 2. DEFINITIONS:

    "Collateral" means any property taken as security for payment of this Note
    or any guarantee of this Note.

    "Guarantor" means each person or entity that signs a guarantee of payment of
    this Note.

    "Loan" means the loan evidenced by this Note.

    "Loan Documents" means the documents related to this loan signed by
    Borrower, any Guarantor, or anyone who pledges collateral.

    "SBA" means the Small business Administration, an Agency of the United
    states of America.

 3. PAYMENT TERMS:

    Borrower must make all payments at the place Lender designates. The payment
    terms for this Note are:

    One Interest Installment, payable monthly, commencing on October 1,1999
    followed by installments, including principal and interest, each in the
    amount of $8,153.00 commencing on November 1,1999 and continuing due and
    payable monthly for Three hundred (300) months, when the full unpaid balance
    of principal and interest shall become due and payable. Funds received from
    the borrower will be applied first to interest to the date of receipt, then
    to principal, then to the late fee.

    The total fixed payment is to be adjusted accordingly to reflect rate
    changes. Borrower agrees to pay a late charge equal to 5% of the payment
    amount due if such payment is not received within ten days of the due date,
    but not to exceed maximum charges allowable under then applicable law.

SBA Form 147 (10/22/98) Previous editions obsolete

<PAGE>
09-13-1999                  PROMISSORY NOTE                               PAGE 2
LOAN NO 3109254008            (CONTINUED)
================================================================================
    This is a variable interest rate note, with an initial interest rate of
    10.25%. Interest shall accrue on the principal balance of the Note at a
    fluctuation rate based on the "Prime Rate" plus 2.25%. The "Prime Rate"
    shall be defined as the lowest prime lending rate as published in the Wall
    Street Journal. The initial interest rate is based on the "Prime Rate" of
    8.00%, the "Prime Rate" in effect on the date SBA received the loan
    application. The rate shall increase or decrease monthly on the first day of
    each month during the term of the Note.

    The amount that the interest on this Note may vary is limited by a ceiling
    and floor: (1) The maximum interest rate (ceiling) will not exceed 3% above
    the initial interest rate. (2) the minimum interest rate (floor) will not be
    less than 3% below the initial interest rate.

    Holder shall give written notice to the Undersigned of each increase or
    decrease in the interest rate within thirty (30) days after the effective
    date of each rate adjustment; however, the fluctuation of the interest rate
    is not contingent on whether the notice is given.

    Notwithstanding the foregoing provision for changes in the rate of interest,
    at no time shall the interest rate exceed the maximum rate permitted by
    applicable law. Upon any changes in the interest rate, the above monthly
    principal and interest payments shall be adjusted to amortize the remaining
    loan balance in equal monthly payments at principal and interest over the
    remaining term of the loan.

    Interest on this note is computed on a 30/360 simple interest basis; that
    is, with the exception of odd days in the first payment period, monthly
    interest is calculated by applying the ratio of the annual interest rate
    over a year of 360 days, multiplied by the outstanding principal balance,
    multiplied by a month of 30 days. Interest for the odd days is calculated on
    the basis of the actual days to the next full month and a 360-day year.

    It SBA purchases the guaranteed portion of the unpaid principal balance, the
    interest rate becomes fixed at the rate in effect at the time of the
    earliest uncured payment default. If there is no uncured payment default,
    the rate becomes fixed at the rate in effect at the time of purchase.

 4. RIGHT TO PREPAY:

    Borrower may prepay this Note. Borrower may prepay 20 percent or less of the
    unpaid principal balance at any time without notice. If Borrower prepays
    more than 20 percent and the Loan has been sold on the secondary market,
    Borrower must:

      A. Give Lender written notice;
      B. Pay all accrued interest; and
      C. If the prepayment is received less than 21 days from the date Lender
         receives the notice, pay an amount equal to 21 days' interest from the
         date Lender receives the notice, less any interest accrued during the
         21 days and paid under subparagraph B.

    If Borrower does not prepay within 60 days from the date Lender receives the
    notice, Borrower must give Lender a new notice.

5.  DEFAULT:

    Borrower is in default under this Note if Borrower does not make a payment
    when due under this Note, or if Borrower or Operating Company:

      A. Fails to do anything required by this Note and other Loan Documents;
      B. Defaults on any other loan with Lender;
      C. Does not preserve, or account to Lender's satisfaction for, any of the
         Collateral or its proceeds;
      D. Does not disclose, or anyone acting on their behalf does not disclose,
         any material fact to Lender or SBA;
      E. Makes, or anyone acting on their behalf makes, a materially false or
         misleading representation to Lender or SBA;
      F. Defaults on any loan or agreement with another creditor, if Lender
         believes the default may materially affect Borrower's ability to pay
         this Note:
      G. Fails to pay any taxes when due;
      H. Becomes the subject of a proceeding under any bankruptcy or insolvency
         law;
      I. Has a receiver or liquidator appointed for any part of their business
         or property;
      J. Makes an assignment for the benefit of creditors;
<PAGE>
09-13-1999                       PROMISSORY NOTE                          PAGE 3
LOAN NO 3109254008                 (CONTINUED)
================================================================================
      K. Has any adverse change in financial condition or business operation
         that Lender believes may materially affect Borrower's ability to pay
         this Note;
      L. Reorganizes, merges, consolidates, or otherwise changes ownership or
         business structure without Lender's prior written consent; or
      M. Becomes the subject of a civil or criminal action that Lender believes
         may materially affect Borrower's ability to pay this Note.

6.  LENDER'S RIGHTS IF THERE IS A DEFAULT:

    Without notice or demand and without giving up any of its rights, Lender
    may:

      A. Require immediate payment of all amounts owing under this Note;
      B. Collect all amounts owing from any Borrower or Guarantor;
      C. File suit and obtain judgement;
      D. Take possession of any Collateral; or
      E. Sell, lease, or otherwise dispose of, any Collateral at public or
         private sale, with or without advertisement.

7.  LENDER'S GENERAL POWERS:

    Without notice and without Borrower's consent, Lender may:

      A. Bid on or buy the Collateral at its sale or the sale of another
         lienholder, at any price it chooses;
      B. Incur expenses to collect amounts due under this Note, enforce the
         terms of this Note or any other Loan Document, and preserve or dispose
         of the Collateral. Among other things, the expenses may include
         payments for property taxes, prior liens, insurance, appraisals,
         environmental remediation costs, and reasonable attorney's fees and
         costs. If Lender incurs such expenses, it may demand immediate
         repayment from Borrower or add the expenses to the principal balance;
      C. Release anyone obligated to pay this Note;
      D. Compromise, release, renew, extend or substitute any of the Collateral;
         and
      E. Take any action necessary to protect the Collateral or collect amounts
         owing on this Note.

8.  WHEN FEDERAL LAW APPLIES:

    When SBA is the holder, this Note will be interpreted and enforced under
    federal law, including SBA regulations. Lender or SBA may use state or local
    procedures for filing papers, recording documents, giving notice,
    foreclosing liens, and other purposes. By using such procedures, SBA does
    not waive any federal immunity from state or local control, penalty, tax, or
    liability. As to this Note, Borrower may not claim or assert against SBA any
    local or state law to deny any obligation, defeat any claim of SBA, or
    preempt federal law.

9. SUCCESSORS AND ASSIGNS:

    Under this Note, Borrower and Operating Company include the successors of
    each, and Lender includes its successors and assigns.

10. GENERAL PROVISIONS:

      A. All individuals and entities signing this Note are jointly and
         severally liable.
      B. Borrower waives all suretyship defenses.
      C. Borrower must sign all documents necessary at any time to comply with
         the Loan Documents and to enable Lender to acquire, perfect, or
         maintain Lender's liens on Collateral.
      D. Lender may exercise any of its rights separately or together, as many
         times and in any order it chooses. Lender may delay or forgo enforcing
         any of its rights without giving up any of them.
      E. Borrower may not use an oral statement of Lender or SBA to contradict
         or alter the written terms of this Note.
      F. If any part of this Note is unenforceable, all other parts remain in
         effect.
      G. To the extent allowed by law, Borrower waives all demands and notices
         in connection with this Note, including presentment, demand, protest,
         and notice of dishonor. Borrower also waives any defenses based upon
         any claim
<PAGE>
09-13-1999                       PROMISSORY NOTE                          PAGE 4
LOAN NO 3109254008                 (CONTINUED)
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         that Lender did not obtain any guarantee; did not obtain, perfect, or
         maintain a lien upon Collateral; impaired Collateral; or did not obtain
         the fair market value of Collateral at a sale.

11. STATE-SPECIFIC PROVISIONS:

12. BORROWER'S NAME(S) AND SIGNATURE(S):

    By signing below, each individual or entity becomes obligated under this
    Note as Borrower.

BORROWER:

DYNAMIC HEALTH PRODUCTS, INC.

By: ____________________________(SEAL)  By: ______________________________(SEAL)
    Kotha S. Sekharam, President           Attest: William L. LaGamba, Secretary