Exhibit
10.2


 


Execution
Version


 


AMENDED
AND RESTATED PROMISSORY NOTE


(Revolving
Note)


 


 








 


	$6,000,000.00	Fairport Harbor, Ohio	November 30, 2017


 





 



 


FOR
VALUE RECEIVED, the receipt of which is hereby acknowledged, the undersigned OurPet’s Company, a Colorado corporation,
Virtu Company, an Ohio corporation, SMP Company, Incorporated, an Ohio corporation, and OurPet’s DISC, Inc.,
an Ohio corporation (collectively herein called “Borrower”), each having an office at 1300 East Street, Fairport
Harbor, Ohio 44077, jointly and severally promise to pay to the order of THE HUNTINGTON NATIONAL BANK (herein called “Lender”,
which term shall include any holder hereof) at 200 Public Square, Suite 600, Cleveland, Ohio 44114 or such place as Lender may
designate (or, in the absence of such designation, at any of Lender’s offices), the principal sum of Six Million and 00/100 Dollars
($6,000,000.00), or so much thereof as shall have been advanced by Lender at any time and not thereafter repaid (hereinafter called
the “Principal Sum”), together with interest as hereinafter provided. The proceeds of the loan evidenced hereby may
be advanced, repaid and readvanced in partial amounts during the term of this revolving note (as it may be amended, restated or
otherwise modified from time to time, being herein called this “Note”) and prior to maturity. Each such advance shall
be made to Borrower upon receipt by Lender of Borrower’s application therefor, which shall be in such form as Lender may from
time to time prescribe. Lender shall be entitled to rely on any oral or telephonic communication requesting an advance or providing
disbursement instructions hereunder, which shall be received by it in good faith from anyone reasonably believed by Lender to
be Borrower’s authorized agent. Borrower agrees that all advances made by Lender will be evidenced by entries made by Lender into
its electronic data processing system and/or internal memoranda maintained by Lender. Borrower further agrees that the sum or
sums shown on the most recent printout from Lender’s electronic data processing system and/or on such memoranda shall be rebuttably
presumptive evidence of the amount of the Principal Sum and of the amount of any accrued interest. Borrower promises to pay the
Principal Sum plus interest thereon at the time and in the manner hereinafter provided in this Note.


 


This
Note is issued pursuant to and in connection with a certain Loan and Security Agreement executed on even date herewith by and
among Borrower and Lender (as it may be amended, restated or otherwise modified from time to time, the “Loan Agreement”),
to which reference is hereby made for a statement of the rights of Lender and the duties and obligations of Borrower in relation
thereto, but neither this reference to the Loan Agreement nor any provision thereof shall affect or impair the absolute and unconditional
obligation of Borrower to pay the principal of and interest on this Note when due. In the Loan Agreement, this Note is referred
to as the Revolving Note. Capitalized terms used herein and not defined shall have the meaning given to them in the Loan Agreement.
The headings of paragraphs of the Loan Agreement and the titles of any and all documents executed in conjunction therewith, including
this Note, are for the convenience of reference only, and are not to be considered as limiting or otherwise affecting any of the
terms hereof or thereof.


 







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This
Note is an amendment and restatement of (and not a novation of) that certain promissory note dated December 9, 2016 in the principal
amount of $5,000,000.00, made by OurPet’s Company, Virtu Company and SMP Company, Incorporated in favor of FirstMerit Bank, N.A.,
Lender’s predecessor by merger. This Note does not represent evidence of new indebtedness or repayment of any indebtedness evidenced
by the promissory note being amended and restated hereby. This Note is entitled to all benefits of the promissory notes previously
delivered to Lender, all of which promissory notes shall remain in full force and effect for the purpose of evidencing any amounts
due thereunder which for any reason, in fact or in law, do not become obligations of Borrower under this Note, as intended by
Borrower.


 


ADVANCES
UNDER REVOLVING LOAN


 


This
Note evidences a revolving line of credit for Borrower’s working capital purposes. Borrower must request advances no later than
1:00 p.m. (Columbus, Ohio local time) on a Business Day, unless otherwise authorized under Lender’s electronic banking platform.
During the term of this Note and provided no Event of Default or event which, with the giving of notice or passage of time or
both would constitute an Event of Default has occurred, Borrower may borrow, prepay, and re-borrow principal under this Note,
all in accordance with the terms and conditions of this Note and the Loan Agreement, and subject to the Borrowing Base. The proceeds
of this Note requested by Borrower during the line of credit term shall be made available to Borrower so requested by way of credit
to the Loan Account.


 


INTEREST


 


Absent
the occurrence of an Event of Default (and any accompanying implementation of the Default Rate Margin), interest will accrue on
the unpaid balance of the Principal Sum until paid at a per annum rate, adjusted quarterly, equal to the LIBO Rate plus
the Applicable LIBO Rate Margin. The “Applicable LIBO Rate Margin” means the applicable rate per annum set forth below
under the caption “LIBO Rate Margin” based upon the Senior Funded Debt to EBITDA Ratio for Borrower’s most recent calendar
quarter:


 


	Senior Funded Debt
    to EBITDA Ratio	 	LIBO Rate Margin
	 	 	 
	Greater than or equal to 2.00 to 1:00, but less than or equal  to 2.50 to 1.00	 	225 basis points (2.250%)
	 	 	 
	Greater than or equal to 1.00 to 1:00, but less than 2.00 to 1.00	 	200 basis points (2.000%)
	 	 	 
	Less than  1.00 to 1.00	 	175 basis points (1.750%)


 






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The
above pricing grid will become effective on and after the first day of the first calendar month following delivery to Lender of
Borrower’s June 30, 2018 financial statements. From the closing date until the first Determination Date (as defined hereinafter),
the Applicable LIBO Rate Margin shall be set at 225 basis points (2.250%). Changes in the Applicable LIBO Rate Margin resulting
from changes in the Senior Funded Debt to EBITDA Ratio shall be determined as of the end of each fiscal quarter occurring during
the term of the Loan Agreement (the end of each fiscal quarter being a “Determination Date”), the first change occurring with
the fiscal quarter ending June 30, 2018, and based upon the Senior Funded Debt to EBITDA Ratio for the immediately preceding four
fiscal quarters. Upon Lender’s receipt of Borrower’s quarterly financial statements required to be delivered to Lender pursuant
to Section 4.2(b)(i) of the Loan Agreement, the Applicable LIBO Rate Margin will be subject to adjustment in accordance with the
table set forth above based on the then applicable Senior Funded Debt to EBITDA Ratio, so long as no Default or Event of Default
is existing as of applicable Determination Date or as of the effective date of adjustment. The foregoing adjustment, if applicable,
will become effective on and after the first day of the first calendar month following delivery to Lender of Borrower’s financial
statements until the next succeeding effective date of adjustment pursuant to this paragraph. Each of the quarterly financial
statements required to be delivered to Lender must be delivered to Lender in compliance with Section 4.2(b)(i) of the Loan Agreement.
If Borrower has not timely delivered its quarterly financial statements in accordance with Section 4.2(b)(i), then, without limiting
any of the rights and remedies available to Lender by reason of such noncompliance (including but not limited to Lender’s right
to declare an Event of Default and institute the Default Rate Margin), at Lender’s option, commencing on the date upon which such
financial statements should have been delivered in accordance with Section 4.2(b)(i) and continuing until such financial statements
are actually delivered in accordance with Section 4.2(b)(i), the Applicable LIBO Rate Margin shall be set at 225 basis points
(2.250%).


 


Upon
and after the occurrence of a Default or Event of Default, at the election of Lender, the interest rate on this Note shall be
increased by adding an additional three (3.000) percentage point margin (the “Default Rate Margin”) to the
then Applicable LIBO Rate Margin. The Default Rate Margin shall also apply to each succeeding interest rate change that would
have applied had there been no Default or Event of Default. However, in no event will the interest rate exceed the maximum interest
rate limitations under applicable law.


 


As
used herein, “LIBO Rate” shall mean the rate obtained by dividing: (1) the actual or estimated per annum rate, or
the arithmetic mean of the per annum rates, of interest for deposits in U.S. dollars
for the related LIBO Rate Interest Period, as determined by Lender in its discretion based upon reference to information which
appears on page LIBOR01, captioned ICE Benchmark Administration Interest Settlement Rates, of the Reuters America Network, a service
of Reuters America Inc. (or such other page that may replace that page on that service for the purpose of displaying London interbank
offered rates; or, if such service ceases to be available or ceases to be used by Lender, such other reasonably comparable money
rate service as Lender may select) or upon information obtained from any other reasonable procedure, as of two Business Days prior
to the first day of a LIBO Rate Interest Period; by (2) an amount equal to one minus the stated maximum rate (expressed as a decimal),
if any, of all reserve requirements (including, without limitation, any marginal, emergency, supplemental, special or other reserves)
that is specified on the first day of each LIBO Rate Interest Period by the Board of Governors of the Federal Reserve System (or
any successor agency thereto) for determining the maximum reserve requirement with respect to eurocurrency funding (currently
referred to as “Eurocurrency liabilities” in Regulation D of such Board) maintained by a member bank of such System,
or any other regulations of any governmental authority having jurisdiction with respect thereto as conclusively determined by
Lender. Subject to any maximum or minimum interest rate limitation specified herein or by applicable law, any variable rate of
interest on the obligation evidenced hereby shall change automatically, without notice to Borrower, on the first day of each LIBO
Rate Interest Period. The interest rate change will not occur more often than each month. If the
LIBO Rate becomes unavailable, Lender may designate a substitute index after notifying Borrower.


 






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As
used herein, the  “LIBO Rate Interest Period” shall mean one (1) month, provided that: (1) if any LIBO Rate Interest
Period would otherwise expire on a day which is not a Business Day, the LIBO Rate Interest Period shall be extended to the next
succeeding Business Day (provided, however, that if such next succeeding Business Day occurs in the following calendar month,
then the LIBO Rate Interest Period shall expire on the immediately preceding Business Day).


 


In
the event that Lender reasonably determines that by reason of (a) any change arising after the date of this Note affecting the
interbank eurocurrency market or affecting the position of Lender with respect to such market, adequate and fair means do not
exist for ascertaining the applicable interest rates by reference to which the LIBO Rate then being determined is to be fixed,
(b) any change arising after the date of this Note in any applicable law or governmental rule, regulation or order (or any interpretation
thereof, including the introduction of any new law or governmental rule, regulation or order), or (c) any other circumstance affecting
Lender or the interbank eurocurrency market (such as, but not limited to, official reserve requirements required by Regulation
D of the Board of Governors of the Federal Reserve System), the LIBO Rate plus the applicable spread, shall not represent the
effective pricing to Lender of accruing interest based upon the LIBO Rate, then, and in any such event, the accrual of interest
based upon the LIBO Rate shall be suspended until Lender shall notify Borrower that the circumstances causing such suspension
no longer exist, and beginning on the date of such suspension, interest shall accrue at a variable rate of interest per annum,
which shall change in the manner set forth below, equal to the Prime Commercial Rate.




 


In
the event that on any date Lender shall have reasonably determined that accruing interest hereunder based upon the LIBO Rate has
become unlawful by compliance by Lender in good faith with any law, governmental rule, regulation or order, then in any such event,
Lender shall promptly give notice thereof to Borrower. In such case, interest shall accrue hereunder at a variable rate of interest
per annum, which shall change in the manner set forth below, equal to the Prime Commercial Rate. Notwithstanding the preceding
sentence, if the circumstances of the first sentence of this paragraph occur and Borrower has the ability to request advances
hereunder based on interest rates other than the LIBO Rate, then Borrower shall repay any advances based on the LIBO Rate with
advances under one of the other rates available to Borrower hereunder.


 


As
used herein, the “Prime Commercial Rate” means the rate established by Lender from time to time based on its consideration
of economic, money market, business and competitive factors, and it is not necessarily Lender’s most favored rate. Subject to
any maximum or minimum interest rate limitation specified herein or by applicable law, any variable rate of interest on the loan
evidenced by this Note based upon the Prime Commercial Rate shall change automatically without notice to Borrower immediately
with each change in the Prime Commercial Rate.


 






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If, due
to (a) the introduction of or any change in or in the interpretation of any law or regulation, (b) the compliance with any
guideline or request from any central bank or other public authority (whether or not having the force of law), or (c) the
failure of Borrower to pay any amount when required by the terms of this Note or the Loan Agreement, there shall be any loss
or increase in the cost to Lender of accruing interest on the loan evidenced by this Note based upon the LIBO Rate, then
Borrower agrees that Borrower shall, from time to time, upon demand by Lender, pay to Lender additional amounts sufficient to
compensate Lender for such loss or increased cost. A certificate as to the amount of such loss or increase cost, submitted to
Borrower by Lender, shall be conclusive evidence, absent manifest error, of the correctness of such amount.


 


This
Note expresses an initial interest rate and an initial index value to three (3) places to the right of the decimal point. This
expression is done solely for convenience. The reference sources for the index used by Lender, as stated in this Note, may actually
quote the index on any given day to as many as five (5) places to the right of the decimal point. Therefore, the actual index
value used to calculate the interest rate on and the amount of interest due under this Note will be to 5 places to the right of
the decimal point.


 


Interest
on the unpaid principal balance of the indebtedness evidenced by this Note is computed on a 365/360 basis; that is, by applying
the ratio of the interest rate over a year of 360 days, multiplied by the outstanding principal balance, multiplied by the actual
number of days the principal balance is outstanding. Any reference in this Note to a “per annum” rate shall be based
on a year of 360 days.


 


BORROWING
BASE


 


Notwithstanding
the maximum principal sum of this Note, advances hereunder are subject to there being sufficient availability under a borrowing
base certificate, submitted monthly, limiting advances to the lesser of: (a) $6,000,000.00, or (b) the sum of (i) up to eighty
percent (80%) of Borrower’s Eligible Accounts, plus (ii) the lesser of (A) $2,500,000.00 or (B) up to forty percent (40%)
of Borrower’s Eligible Inventory, all as determined in Lender’s sole discretion.


 


MANNER
OF PAYMENT


 


Unless
due earlier by demand, acceleration or otherwise, the Principal Sum (or so much thereof as shall have been advanced by Lender
at any time and not thereafter repaid), together with accrued interest and any other charges shall be due and payable in full
on October 31, 2020 (“Maturity”). Accrued interest shall be due and payable monthly beginning on December 31, 2017,
and continuing on the last day of each month thereafter, and at Maturity, whether by acceleration or otherwise (provided that
if such date is not a Business Day, payment will be due on the next Business Day).


 


If
at any time the aggregate principal amount outstanding under this Note shall exceed the maximum
amount of principal available under the Borrowing Base, Borrower shall immediately (and in no event later than the next Business
Day) and without the necessity of any demand by Lender, pay to Lender an amount not less than the difference between the principal
balance outstanding and the amount available under the Borrowing Base, whether or not an Event of Default has occurred.


 




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UNUSED
FACILITY FEE


 


Borrower
shall pay Lender an Unused Facility Fee using a rate per annum based upon the Senior Funded Debt to EBITDA Ratio for Borrower’s
most recent calendar quarter, multiplied by the average daily unused portion of the Revolving Loan evidenced by this Note. The
“Unused Fee Rate” means the applicable rate per annum set forth below under the caption “Unused Fee” based upon
the Senior Funded Debt to EBITDA Ratio for Borrower’s most recent calendar quarter:


 


	Senior Funded Debt to EBITDA Ratio	 	Unused Fee	 
	 	 	 	 
	Greater than or equal to 2.00 to 1:00, but less than or equal to 2.50 to 1.00	 	 	0.250	%
	 	 	 	 	 
	Greater than or equal to 1.00 to 1:00, but less than 2.00 to 1.00	 	 	0.190	%
	 	 	 	 	 
	Less than  1.00 to 1.00	 	 	0.125	%



 


The
Unused Facility Fee is payable quarterly in arrears, commencing on April 1, 2018 and on the last day of each quarter thereafter.


 


POSTING
AND APPLICATION OF PAYMENTS


 


(a)       All
payments of principal, interest and other amounts payable hereunder, or under any of the other Loan Documents must be made to
Lender not later than 11:00 a.m. on the due date to ensure credit on the due date. Lender shall not be required to credit the
Loan Account for the amount of any item of payment or other payment that is unsatisfactory to Lender. All credits shall be provisional,
subject to verification and final settlement. Lender may charge the Loan Account for the amount of any item of payment or other
payment that is returned to Lender unpaid or otherwise not collected.


 


(b)       Prior
to an Event of Default under either this Note or any Loan Document, payments shall be applied first to interest, then to principal,
then to any fees or other amounts due and owing to Lender in connection with the indebtedness evidenced by this Note. After an
Event of Default under either this Note or any Loan Document, payments may be applied, at Lender’s option, as follows: first to
any collection costs or expenses (including reasonable attorneys’ fees), then to any late charges or other fees owing under the
Loan Documents, then to accrued interest, then to principal. To the extent that Borrower makes a payment or Lender receives any
payment or proceeds of the Collateral for Borrower’s benefit, which are subsequently invalidated, declared to be fraudulent or
preferential, set aside or required to be repaid to a trustee, debtor in possession, receiver, custodian or any other party under
any bankruptcy law, common law or equitable cause, then, to such extent, the indebtedness evidenced by this Note or part thereof
intended to be satisfied shall be revived and continue as if such payment or proceeds had not been received by Lender.


 


(c)       Borrower
shall pay principal, interest, and all other amounts payable hereunder, or under any other Loan Document, without any deduction
whatsoever, including any deduction for any setoff or counterclaim.


 




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(d)       In
the event that any prepayment of a loan accruing interest on a variable rate based on a LIBO Rate is made on a date other than
the last Business Day of then current LIBO Rate Interest Period with respect thereto, Borrower shall indemnify Lender for any
increase costs to Lender resulting from such prepayment.


 


As
used herein, “Loan Account” shall mean that loan account maintained by Lender, in accordance with its customary procedures,
in the name of Borrower in which shall be recorded, among other things, the date and amount of the advance made by Lender hereunder
and the date and amount of each payment in respect thereof.


 


LATE
CHARGE


 


Any
installment or other payment not made within 10 days of the date such payment or installment is due shall be subject to a late
charge equal to 5% of the amount of the installment or payment, not to exceed Five Hundred Dollars ($500.00) as compensation for
additional service resulting from the default. Borrower’s payment of the late charge shall not obligate Lender to forbear from
exercising any rights or remedies available to it as a result of such default.


 


SECURITY


 


This
Note is secured by the security interests, assignments, and mortgages granted or referenced in the Loan Agreement.


 


COMMERCIAL
PURPOSE


 


Borrower
hereby represents and warrants that the indebtedness evidenced by this Note is a “business loan” within the meaning
of Chapter 1343 of the Ohio Revised Code, as the same may be amended or modified from time to time, and acknowledges and agrees
that this Note is a “contract of indebtedness,” and that all fees and disbursements referenced herein or contemplated
hereby are for reasonable amounts, all as contemplated by Ohio Revised Code Section 1319.02, as the same may be amended or modified
from time to time.


 


EVENTS
OF DEFAULT


 


Upon
the occurrence of any of the following events:


 


		(1)	the
                                         undersigned fails to make any payment of interest or of the Principal Sum on or before
                                         the date such payment is due; or



 


		(2)	a “Default” or an “Event
                                         of Default” under either the Loan Agreement or any other Loan Document,



 


then
Lender may, at its option, without notice or demand, accelerate the maturity of the obligations evidenced hereby, which obligations
shall become immediately due and payable. In the event Lender shall institute any action for the enforcement or collection of
the obligations evidenced hereby, the undersigned agrees to pay all costs and expenses of such action, including reasonable attorneys’
fees, to the extent permitted by law.


 






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GENERAL
PROVISIONS


 


Borrower,
and any indorser, surety, or guarantor, hereby severally waive presentment, notice of dishonor, protest, notice of protest, and
diligence in bringing suit against any party hereto, and consent that, without discharging any of them, the time of payment may
be extended an unlimited number of times before or after maturity without notice. Lender shall not be required to pursue any party
hereto, including any guarantor, or to exercise any rights against any collateral herefor before exercising any other such rights.


 


The
obligations evidenced hereby may from time to time be evidenced by another note or notes given in substitution, renewal or extension
hereof. Any security interest or mortgage which secures the obligations evidenced hereby shall remain in full force and effect
notwithstanding any such substitution, renewal, or extension.


 


The
captions used herein are for reference only and shall not be deemed a part of this Note. If any of the terms or provisions of
this Note shall be deemed unenforceable, the enforceability of the remaining terms and provisions shall not be affected. This
Note shall be governed by and construed in accordance with the law of the State of Ohio.


 


WAIVER
OF RIGHT TO TRIAL BY JURY


 


The
parties hereto acknowledge and agree that there may be a constitutional right to a jury trial in connection with any claim, dispute
or lawsuit arising between or among them, but that such right may be waived. Accordingly, the parties agree that, notwithstanding
such constitutional right, in this commercial matter the parties believe and agree that it shall in their best interests to waive
such right, and, accordingly, hereby waive such right to a jury trial, and further agree that the best forum for hearing any claim,
dispute, or lawsuit, if any, arising in connection with this Agreement, the Loan Documents, or the relationship among the parties
hereto, in each case whether now existing or hereafter arising, or whether sounding in contract or tort or otherwise, shall be
a court of competent jurisdiction sitting without a jury.


 


WARRANT
OF ATTORNEY


 


Borrower
authorizes any attorney at law to appear in any court of record in the State of Ohio or in any other state or territory of the
United States of America after the loan evidenced by this Note becomes due, whether by acceleration or otherwise, to waive the
issuing and service of process, and to confess judgment against Borrower in favor of Lender for the amount then appearing due
on this Note, together with costs of suit, and thereupon to waive all errors and all rights of appeal and stays of execution.
Borrower waives any conflict of interest that an attorney hired by Lender may have in acting on Borrower’s behalf in confessing
judgment against Borrower while such attorney is retained by Lender. Borrower expressly consents to such attorney acting for Borrower
in confessing judgment and to such attorneys’ fee being paid by Lender or deducted from the proceeds of collection of this
Note or collateral security therefor.


 






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THE
USA PATRIOT ACT


 


IMPORTANT
INFORMATION ABOUT PROCEDURES REQUIRED BY THE USA PATRIOT ACT. To
help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions
to obtain, verify, and record information that identifies each entity or person who opens an account or establishes a relationship
with Lender.


 


What
this means: When an entity or person opens an account or establishes a relationship with Lender, Lender may ask for the name,
address, date of birth, and other information that will allow the Lender to identify the entity or person who opens an account
or establishes a relationship with Lender. Lender may also ask to see identifying documents for the entity or person.


 


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IN
WITNESS WHEREOF, Borrower has caused this Note to be executed by their duly authorized officers, in manner and form sufficient
to bind them, jointly and severally, at Fairport Harbor, Ohio, as of the date first set forth above.


 


WARNING-BY
                                         SIGNING THIS PAPER YOU GIVE UP YOUR RIGHT TO NOTICE AND COURT TRIAL. IF YOU DO NOT PAY
                                         ON TIME A COURT JUDGMENT MAY BE TAKEN AGAINST YOU WITHOUT YOUR PRIOR KNOWLEDGE AND THE
                                         POWERS OF A COURT CAN BE USED TO COLLECT FROM YOU REGARDLESS OF ANY CLAIMS YOU MAY HAVE
                                         AGAINST THE CREDITOR WHETHER FOR RETURNED GOODS, FAULTY GOODS, FAILURE ON HIS PART TO
                                         COMPLY WITH THE AGREEMENT, OR ANY OTHER CAUSE.







 


	 	OurPet’s Company, a Colorado corporation
	 	 	 
	 	By:	/s/
    Steven Tsengas
	 	 	Steven Tsengas, its President




 


[Signatures
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WARNING-BY
                                         SIGNING THIS PAPER YOU GIVE UP YOUR RIGHT TO NOTICE AND COURT TRIAL. IF YOU DO NOT PAY
                                         ON TIME A COURT JUDGMENT MAY BE TAKEN AGAINST YOU WITHOUT YOUR PRIOR KNOWLEDGE AND THE
                                         POWERS OF A COURT CAN BE USED TO COLLECT FROM YOU REGARDLESS OF ANY CLAIMS YOU MAY HAVE
                                         AGAINST THE CREDITOR WHETHER FOR RETURNED GOODS, FAULTY GOODS, FAILURE ON HIS PART TO
                                         COMPLY WITH THE AGREEMENT, OR ANY OTHER CAUSE.







 


	 	Virtu Company, an Ohio corporation
	 	 	 
	 	By:	/s/ Steven Tsengas
	 	 	Steven Tsengas, its President


 


[Signatures
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WARNING-BY
                                         SIGNING THIS PAPER YOU GIVE UP YOUR RIGHT TO NOTICE AND COURT TRIAL. IF YOU DO NOT PAY
                                         ON TIME A COURT JUDGMENT MAY BE TAKEN AGAINST YOU WITHOUT YOUR PRIOR KNOWLEDGE AND THE
                                         POWERS OF A COURT CAN BE USED TO COLLECT FROM YOU REGARDLESS OF ANY CLAIMS YOU MAY HAVE
                                         AGAINST THE CREDITOR WHETHER FOR RETURNED GOODS, FAULTY GOODS, FAILURE ON HIS PART TO
                                         COMPLY WITH THE AGREEMENT, OR ANY OTHER CAUSE.





 


	 	SMP Company, Incorporated, an Ohio corporation
	 	 	 
	 	By:	/s/ Steven Tsengas
	 	 	Steven Tsengas, its President


 


[Signatures
continue on following page]


 




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WARNING-BY
                                         SIGNING THIS PAPER YOU GIVE UP YOUR RIGHT TO NOTICE AND COURT TRIAL. IF YOU DO NOT PAY
                                         ON TIME A COURT JUDGMENT MAY BE TAKEN AGAINST YOU WITHOUT YOUR PRIOR KNOWLEDGE AND THE
                                         POWERS OF A COURT CAN BE USED TO COLLECT FROM YOU REGARDLESS OF ANY CLAIMS YOU MAY HAVE
                                         AGAINST THE CREDITOR WHETHER FOR RETURNED GOODS, FAULTY GOODS, FAILURE ON HIS PART TO
                                         COMPLY WITH THE AGREEMENT, OR ANY OTHER CAUSE.





 


	 	OurPet’s DISC, Inc., an Ohio corporation
	 	 	 
	 	By:	/s/ Steven Tsengas
	 	 	Steven Tsengas, its President


 






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