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Loan Agreement

Secare Health Centre PtyLimited

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| Clause |                                      |   |
|--------|-------------------------------------------|--------|
| Number | Heading                                   | Page   |
|   |                                      |   |
| 1      | Loan      and Ranking                     | 1      |
|   |                                      |   |
| 2      | Drawdown      and Conditions Precedent    | 1      |
|   |                                      |   |
| 3      | Interest                                  | 1      |
|   |                                      |   |
| 4      | Repayment      and prepayment             | 2      |
|   |                                      |   |
| 5      | Representations      and warranties       | 2      |
|   |                                      |   |
| 6      | Undertakings      by the Borrower         | 2      |
|   |                                      |   |
| 7      | Default                                   | 3      |
|   |                                      |   |
| 8      | Expenses,      costs and Taxes            | 4      |
|   |                                      |   |
| 9      | Interest      on overdue amounts          | 5      |
|   |                                      |   |
| 10     | Assignment      and amendment             | 6      |
|   |                                      |   |
| 11     | Set-Off                                   | 6      |
|   |                                      |   |
| 12     | No      Waiver                            | 6      |
|   |                                      |   |
| 13     | Governing      Law and jurisdiction       | 6      |
|   |                                      |   |
| 14     | Notices                                   | 6      |
|   |                                      |   |
| 15     | Acceptance                                | 6      |
|   |                                      |   |
|   | Schedule      to Loan Agreement           | 7      |
|   | Part      1 - Transaction Documents       | 7      |
|   | Part      2 – Addresses for Notices | 7      |

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| Date    |                                                                    2008 |
|---------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
|    |                                                                                                                                                                                                                                                                                                                                                                                                                   |
| Parties | Secare      Health Centre Pty Limited (ACN 080 464 982) of Level 1, 204-218      Botany Road, Alexandria NSW 2015 (“Lender”)                                                                                                                                                                                                                                                                               |
|    |                                                                                                                                                                                                                                                                                                                                                                                                                   |
|    | AMI      Australia Holdings Pty Limited (ACN 095 238 645) of Level 1,      204-218 Botany Road, Alexandria NSW 2015 (“Borrower”)                                                                                                                                                                                                                                                                           |
|    |                                                                                                                                                                                                                                                                                                                                                                                                                   |

|   | A. | The      Borrower has requested that the Lender lend the Borrower AUD1 million to      assist the Borrower to expand its business into the United Kingdom (Loan). |
|--------|----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | B. | The      Lender has agreed to advance the Loan on the basis set out in this      Deed. |
|--------|----|----------------------------------------------------------------------------------------|

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| 1 | Loan      and Ranking |
|---|-----------------------|

| 1.1 | The      Borrower has agreed to advance the Loan on the terms set out      below. |
|-----|-----------------------------------------------------------------------------------|

| 1.2 | The      parties agree that the Loan will be secured by a second ranking fixed and      floating charge over the Borrower. |
|-----|----------------------------------------------------------------------------------------------------------------------------|

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| 2 | Drawdown      and Conditions Precedent |
|---|----------------------------------------|

| 2.1 | The      Lender will advance the Loan to the Borrower on the date of this Deed      provided that the Lender has received the following documents in form and      substance satisfactory to it: |
|-----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (a) | this      Deed and all other transaction documents (Transaction      Documents) (if any) listed in Part 1 of the Schedule duly executed      by the Borrower; and |
|--------|-----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (b) | any      other documents and information which the Lender has requested from the      Borrower. |
|--------|-----|-------------------------------------------------------------------------------------------------|

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| 3 | Interest |
|---|----------|

| 3.1 | The      Borrower must pay interest on the outstanding balance of the Loan for the      period from and including the date of this Deed to but excluding the third      anniversary of the date of this Deed (Repayment      Date) at an annual interest rate equal to 10 per cent per      annum.  Interest will be payable monthly in    arrears. |
|-----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 3.2 | Interest      will accrue from day to day, be calculated on the basis of the actual      number of days elapsed and a 365 day year (including the first day of the      period during which it accrues but excluding the last) and be paid in      arrears on each Interest PaymentDate. |
|-----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

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| 3.3 | Interest      payments by the Borrower must be made in AUD dollars in same day funds on      the first day of each month to the Lender's account or, if that date is      not a day on which the Lender is open for business in Sydney, on the next      day the Lender is open for business in Sydney and on the Final Repayment      Date (each an      Interest Payment Date). |
|-----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 3.4 | The      certificate of the Lender as to the amount and rate of interest payable      under this Deed will be conclusive and binding on the      Borrower. |
|-----|------------------------------------------------------------------------------------------------------------------------------------------------------------|

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| 4 | Repayment      and prepayment |
|---|-------------------------------|

| 4.1 | The      Borrower must repay the remainder of the Loan in full by the Repayment      Date. |
|-----|--------------------------------------------------------------------------------------------|

| 4.2 | The      Borrower may prepay the Loan in whole or in part, together with interest      accrued on the amount to be prepaid to the date of prepayment on any      Interest Payment Date after giving the Lender 10 days' notice of the date      of that prepayment. |
|-----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

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| 5 | Representations      and warranties |
|---|-------------------------------------|

| 5.1 | The      Borrower represents and warrants to the Lender  that: |
|-----|----------------------------------------------------------------|

|   | (a) | it      is duly incorporated under the laws of NSW and it has taken all necessary      corporate action to authorise its entry into and the performance of its      obligations under this Deed; |
|--------|-----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (b) | this      Deed constitutes the Borrower's valid and legally binding obligations,      enforceable in accordance with itsterms; |
|--------|-----|--------------------------------------------------------------------------------------------------------------------------------|

|   | (c) | it      has obtained all authorisations and consents as are required in connection      with the execution and performance of this Deed and such authorisations      and consents are in full force and effect;and |
|--------|-----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (d) | on      satisfaction of the conditions precedent, the Loan will be secured by a      second ranking fixed and floating charge over the  Borrower. |
|--------|-----|---------------------------------------------------------------------------------------------------------------------------------------------------|

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| 6 | Undertakings      by the Borrower |
|---|-----------------------------------|

| 6.1 | Unless      the Lender otherwise consents in writing, during the term of this Deed the      Borrower must: |
|-----|------------------------------------------------------------------------------------------------------------|

|   | (a) | not      make any material changes to its business or dispose of any of its core      assets or undertakings; |
|--------|-----|---------------------------------------------------------------------------------------------------------------|

|   | (b) | manage      and conduct its business in the ordinary course of business and with      all due care and in accordance with normal and prudent practice (having      regard to the nature of the business and past practice and so as to comply      with all applicable laws); |
|--------|-----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (c) | use      its best endeavours to maintain the profitability and value of its      business; |
|--------|-----|--------------------------------------------------------------------------------------------|

|   | (d) | repair      and maintain each of its assets; |
|--------|-----|----------------------------------------------|

|   | (e) | not      subscribe or agree to subscribe for any equity interest in any      party; |
|--------|-----|-------------------------------------------------------------------------------------|

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|   | (f) | not      guarantee the obligations of or provide financial support to any      party; |
|--------|-----|---------------------------------------------------------------------------------------|

|   | (g) | not      repay any loan in priority to payment of the  Loan; |
|--------|-----|--------------------------------------------------------------|

|   | (h) | not      enter into any joint venture agreement or other arrangement which gives      any party an interest in the profits of its business;  and |
|--------|-----|--------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (i) | not      grant any encumbrance to any party. |
|--------|-----|----------------------------------------------|

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| 7 | Default |
|---|---------|

| 7.1 | On      the occurrence of any of the events set out at (a) to (p) below, the      Lender may serve a notice on the Borrower and the amount of the Loan which      is outstanding and all interest accrued on the Loan and unpaid will become      immediately due and payable: |
|-----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (a) | the      Borrower fails to pay when due any amount payable under this Loan      Agreement or fails to duly perform or comply with any of its obligations      under any Transaction Document; |
|--------|-----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (b) | the      Borrower has misrepresented any material fact relating to its financial      condition to the Lender; |
|--------|-----|----------------------------------------------------------------------------------------------------------------|

|   | (c) | a      default occurs under the provisions of any other agreement or instrument      evidencing or securing indebtedness exceeding $250,000 (including any      guarantee, charge or similar obligation and whether granted to the Lender      or otherwise) of the Borrower or any liability of the Borrower becomes or      may be declared due prior to its stated  maturity; |
|--------|-----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (d) | any      event occurs which, in the reasonable opinion of the Lender, may      materially and adversely affect the business, assets or financial      condition of the Borrower; |
|--------|-----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (e) | an      application is made to a court for an order that the Borrower be wound up      or that a provisional liquidator be appointed (unless the application is      withdrawn, struck out or dismissed within 28 days of it being      made); |
|--------|-----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (f) | a      liquidator is appointed to theBorrower; |
|--------|-----|------------------------------------------------|

|   | (g) | a      resolution is passed or a decision taken to appoint an administrator to      the Borrower or there is a controller (as defined under the Corporations Act 2001      (Cth) (Act)      of any of its assets; |
|--------|-----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (h) | except      to reconstruct or amalgamate while solvent on terms approved by the      Lender, the Borrower enters into, or resolves to enter into, an      arrangement or composition with, or assignment for the benefit of, all or      any of its creditors, or it, or anyone on its behalf, proposes a      reorganisation, moratorium, deed of company arrangement or other      administration involving any of them or the winding up or dissolution of      the Borrower; |
|--------|-----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (i) | the      Borrower is, states that it is, or is presumed under any applicable law to      be, insolvent; |
|--------|-----|---------------------------------------------------------------------------------------------------------|

|   | (j) | the      Borrower becomes an insolvent under administration as defined in Part 5 of      the Act or action is taken which could result in that    event; |
|--------|-----|----------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (k) | as      a result of the operation of section 459F(1) of the Act, the Borrower is      taken to have failed to comply with a statutory  demand; |
|--------|-----|------------------------------------------------------------------------------------------------------------------------------------------------|

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|   | (l) | anything      having a substantially similar effect to any of the events specified above      happens to the Borrower under the law of any  jurisdiction; |
|--------|-----|-----------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (m) | any      Guarantor becomes bankrupt or an insolvent person under      administration; |
|--------|-----|---------------------------------------------------------------------------------------|

|   | (n) | any      of the representations and warranties set out in this Deed is materially      inaccurate; |
|--------|-----|----------------------------------------------------------------------------------------------------|

|   | (o) | the      Borrower breaches any covenant set out in clauses 6.1 (a), (e), (f), (g),      (h) or (i); or |
|--------|-----|--------------------------------------------------------------------------------------------------------|

|   | (p) | the      Borrower does not rectify any breach of any other clause of this Deed      within 28 days after receipt of a notice from the Lender specifying the      breach. |
|--------|-----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

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| 8 | Expenses,      costs and Taxes |
|---|--------------------------------|

| 8.1 | Whether      or not the Loan is made, the Borrower must pay to or reimburse the Lender      on demand for: |
|-----|------------------------------------------------------------------------------------------------------------|

|   | (a) | all      costs, expenses and Taxes incurred or payable by the Lender       for: |
|--------|-----|--------------------------------------------------------------------------------------|

|   | (i) | the      negotiation, preparation, execution, completion, stamping and registration      of the Transaction Documents; |
|--------|-----|------------------------------------------------------------------------------------------------------------------------|

|   | (ii) | the      arrangement of the Loan; |
|--------|------|-----------------------------------|

|   | (iii) | any      attendance, inspection, calculation, approval, consent, waiver, variation,      release or discharge made or given by the Lender under a Transaction      Document; |
|--------|-------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (iv) | any      amendment of any Transaction Document;and |
|--------|------|----------------------------------------------------|

|   | (v) | any      enquiry by any Government Agency concerning the Borrower, any Security      Provider or any transaction contemplated by or funded under a Transaction      Document; and |
|--------|-----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (b) | all      costs, expenses and Taxes incurred or payable by the Lender for any      contemplated or actual enforcement of a Transaction Document, or the      preservation of its rights, powers and remedies under a Transaction      Document. |
|--------|-----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 8.2 | The      costs, expenses and Taxes of the Lender to be paid or reimbursed by the      Borrower under clause 8.3 include: |
|-----|--------------------------------------------------------------------------------------------------------------------------|

|   | (a) | costs      of time spent by any personnel of the Lender, at the daily or hourly rate      reasonably determined by the Lender, costs and expenses of any person      engaged by the Lender, and all administration costs, internal and external      legal fees and disbursements (together with Taxes on those costs,      expenses, fees and disbursements) on a full indemnity basis;      and |
|--------|-----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (b) | any      costs, expenses and Taxes incurred in retaining an independent consultant      or other person to evaluate any matter of  concern. |
|--------|-----|---------------------------------------------------------------------------------------------------------------------------------------------|

| 8.3 | The      Borrower must bear the cost of doing or refraining from doing any act,      matter or thing which it is required to do or refrain from doing under or      in connection with a TransactionDocument. |
|-----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

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| 8.4 | The      Borrower must pay all Tax in relation to the execution, delivery,      registration, performance, release, discharge, variation, enforcement or      attempted enforcement of or otherwise in respect of the Transaction      Documents. |
|-----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 8.5 | The      Borrower must pay to the Lender on demand any GST which is payable as a      consequence of any supply made or deemed to be made or other matter or      thing done under or in connection with this Deed by the Lender, together      with any fine, penalty or interest payable because of a default of the      Borrower.  The amount paid by the Borrower to the Lender on      account of GST must be sufficient to ensure that the economic benefit to      the Lender of this Deed remains the same whether GST applies or      not. |
|-----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 8.6 | The      Lender will give the Borrower a tax invoice complying with any legislation      under which GST is imposed. |
|-----|----------------------------------------------------------------------------------------------------------------------|

| 8.7 | The      Borrower must pay any amount it is required to pay under clause 8.5 in      full and without deduction, notwithstanding any entitlement that it may      have to a credit or offset. |
|-----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

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| 9 | Interest      on overdue amounts |
|---|----------------------------------|

| 9.1 | The      Borrower must pay interest to the Lender on demand on any amount due and      payable by the Borrower under a Transaction Document but unpaid (including      interest payable under thisclause). |
|-----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 9.2 | Interest      under clause 9.1: |
|-----|---------------------------------|

|   | (a) | accrues      on each unpaid amount from and including the due date for payment to the      date of actual payment at the rate determined by the Lender to be the sum      of: |
|--------|-----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (i) | 3%      per annum; and |
|--------|-----|------------------------|

|   | (ii) | the      Base Rate;  |
|--------|------|---------------------------|

|   | (b) | accrues      from day to day; |
|--------|-----|-------------------------------|

|   | (c) | is      calculated on the basis of the actual number of days elapsed (including      the first day but excluding the last) and a 365 day year;    and |
|--------|-----|-------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (d) | may      be compounded by the Lender at intervals selected by the Lender or, if no      selection is made, at 1 monthintervals. |
|--------|-----|---------------------------------------------------------------------------------------------------------------------------------|

| 9.3 | If      a liability under a Transaction Document becomes merged in a judgment, the      Borrower must, as an independent obligation, pay interest on the amount of      that liability to the Lender.  Interest on the amount of that      liability will accrue from the date the amount becomes due until the date      the amount is paid, both before and after judgment, at the rate which is      the higher of: |
|-----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (a) | the      rate payable under the judgment;and |
|--------|-----|----------------------------------------------|

|   | (b) | the      rate referred to in clause 9.2. |
|--------|-----|------------------------------------------|

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| 10 | Assignment      and amendment |
|----|-------------------------------|

| 10.1 | No      party may assign any of its rights in relation to this Deed without      the other party’s prior written consent.  This Deed may only be      amended by written instrument signed by the Lender and the      Borrower. |
|------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

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| 11 | Set-Off |
|----|---------|

| 11.1 | The      Lender may at any time and without notice to the Borrower apply amounts      standing to the credit of any account of the Borrower with the Lender or      its affiliates to reduce the Borrower's obligations under this Deed, even      if the Lender has not demanded payment or the obligations are contingent      or unmatured. |
|------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

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| 12 | No      Waiver |
|----|----------------|

| 12.1 | No      failure or delay by the Lender in exercising any right, power or remedy      under this Deed shall operate as a waiver of that right, power or remedy.      Rights, powers and remedies available under this Deed are cumulative and      do not exclude those provided bylaw. |
|------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

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| 13 | Governing      Law and jurisdiction |
|----|-------------------------------------|

| 13.1 | This      Deed is governed by the laws of New South Wales and the Borrower      irrevocably submit to the non-exclusive jurisdiction of the courts of New      South Wales. |
|------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

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| 14 | Notices |
|----|---------|

| 14.1 | Notices      given under this Deed will be given to the relevant party by delivery,      pre-paid post or facsimile at the party's address set out above or      facsimile number for notices set out in Part 2 of the      Schedule. |
|------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

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| 15 | Acceptance |
|----|------------|

| 15.1 | The      Borrower evidences their acceptance of the terms of this Loan Deed by      execution. |
|------|------------------------------------------------------------------------------------------------|

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| 1. | Certified      true copies of the Borrower's: |
|----|-----------------------------------------------|

|   | (a) | certificate      of incorporation; |
|--------|-----|------------------------------------|

|   | (b) | memorandum      and articles of association; |
|--------|-----|----------------------------------------------|

|   | (c) | resolutions      of its board of directors authorising the Borrower to enter into and      perform its obligations under the Loan Agreement and authorising a person      or persons to execute and deliver the Loan Agreement on behalf of the      Borrower and give any required notices underit. |
|--------|-----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 2. | The      Loan Agreement to which this isannexed. |
|----|--------------------------------------------------|

| 3. | Fixed      and Floating Charge over theBorrower. |
|----|--------------------------------------------------|

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| Address:           | Level      1, 204-218 Botany Road, Alexandria NSW 2015 |
|--------------------|--------------------------------------------------------|
| Attention:         | Jack      Vaisman                                      |
| Facsimile      no: | (02)      9640 5264                                    |

| Address:           | Level      1, 204-218 Botany Road, Alexandria NSW 2015 |
|--------------------|--------------------------------------------------------|
| Attention:         | Jack      Vaisman                                      |
| Facsimile      no: | (02)      9640 5264                                    |

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 deed.

| Signed      sealed and delivered                            |   |                                       |
|-------------------------------------------------------------|--------|--------------------------------------------|
| by      Secare Health      Centre Pty Limited               |   |                                       |
| In      accordance with section 127 of the Corporations Act |   |                                       |
|                                                        |   |                                       |
|                                                        |   |                                       |
|                                                        |   |         |
|                                                        |   | Signature      of sole director            |
|                                                        |   |                                       |
|                                                        |   |                                       |
|                                                        |   |                        |
|                                                        |   | Name      of sole director (please print)  |

| Signed      sealed and delivered                            |   |                                      |
|-------------------------------------------------------------|--------|-------------------------------------------|
| by      AMI Australia      Holdings Pty Limited             |   |                                      |
| In      accordance with section 127 of the Corporations Act |   |                                      |
|                                                        |   |                                      |
|                                                        |   |                                      |
|                                                        |   |                            |
|                                                        |   | Signature      of sole director           |
|                                                        |   |                                      |
|                                                        |   |                                      |
|                                                        |   |                  |
|                                                        |   | Name      of sole director (please print) |

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