**EXHIBIT      10.20**

**LOAN      AGREEMENT**

**THIS      LOAN AGREEMENT**

**WITNESSET**
**H:**

**WHEREAS,**

**WHEREAS,**

**NOW,      THEREFORE,**

**Article      1.    **
**Acknowledgement      of Financing Assistance; Maturity of the Loans; Interest**

| 1.1 | MHI                hereby acknowledges that the following amounts (the “Loans”) have been                received from MHUT in support of MHI’s                operations: |
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|                             |   |                                   |                       |
|----------------------------------|--------|----------------------------------------|----------------------------|
| Disbursement                Date |   | Amount(in                U.S. Dollars) |                       |
| June                7, 2002      |   |                                   | US                $100,000 |   |
| June                29, 2002     |   |                                   | US                $200,000 |   |
| February                4, 2003  |   |                                   | US                $50,000  |   |
| February                28,2003  |   |                                   | US                $100,000 |   |
| Total:                           |   |                                   | US                $450,000 |   |
|                             |   |                                   |                       |   |

| 1.2 | The                Loans shall be repaid in U.S. Dollars in installments as follows:                (a)                US$75,000 on or before December 31, 2004, together with interest                accruing                on the outstanding balance of the Loans from the respective Disbursement                Dates (as set forth in Section 1.1 above) to December 31, 2004 in                accordance with Section 1.3 below; (b) US$125,000 on or before December                31,2005, together with interest accruing on the outstanding balance                of the                Loans from January 1, 2005 to December 31, 2005 in accordance with                Section                1.3 below; (c) US$125,000 on or before December 31,2006, together                with                interest accruing on the outstanding balance of the Loans from January                1,                2006 to December 31, 2006 in accordance with Section 1.3 below; and                (d)                US$125,000 on or before December 31, 2007, together with interest                accruing                on the outstanding balance of the Loans from January 1, 2007 to December                31, 2007 accordance with Section 1.3 below. The Loans may be prepaid                at                any time at the option of MHI without any premium or                penalty. |
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| 1.3 | Interest                on the outstanding balance of the Loans shall become due and payable                on                the respective due dates of the installments as set forth in Section                1.2                above (or if applicable, on the date of any repayment pursuant to                Section                1.4 below or any other prepayment) and shall accrue from the respective                Disbursements Dates (as set forth in Section 1.1 above) at the Applicable                Rate (as defined below) (but in no event higher than the highest                rate                permitted under applicable law) on the basis of a 365-day year and                actual                number of days elapsed. The term “Applicable Rate” as used herein shall                mean the following: (a) for interest accruing from the respective                Disbursement Dates (as set forth in Section 1.1 above) to December                31,                2004: 4% per annum; (b) for interest accruing from January 1, 2005                to                December 31, 2005: 5% per annum; and (c) for interest accruing from                January 1, 2006 to December 31, 2007: 6% per                annum. |
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| 1.4 | Notwithstanding                anything to the contrary set forth herein, the Loans shall become                immediately due and payable to the extent that MHI repays any amounts                (“Related Party Indebtedness”) owed to any of its directors, officers,                affiliates and any other related parties, whether at the stated maturity                of such amounts or otherwise. MHI may not repay any portion of Related                Party Indebtedness unless MHI simultaneously repays the Loans on                a pro                rata basis (i.e., in proportion to the respective principal amounts                of the                Loans and Related Party Indebtedness outstanding as of the date of                the                proposed repayment). |
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**Article      2.    **
**Covenants**

| 2.1 | MHI                shall maintain its existence in good standing under, and conduct                its                business in material compliance with, all applicable laws and shall                maintain adequate licenses and authorization to conduct its                business. |
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| 2.2 | MHI                shall, promptly, upon acquiring actual knowledge of such matters,                give                notice to MHUT of each of the following events with respect to itself:                (i)                any material loss of or damage to its properties or assets; (ii)                the                commencement of any litigation or proceedings against it which may                materially adversely affect the ability of MHUT to fulfill its obligations                under this Agreement; (iii) any other circumstances that could materially                adversely affect the performance by MHI of its obligations under                this                Agreement; and (iv) the occurrence of any Event of Default described                in                Article 3 below. |
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| 2.3 | MHI                shall as soon as practicable after the execution of this Agreement                obtain                and secure all governmental and other authorizations and approvals                (including, without limitation, any authorizations or approvals required                under foreign exchange regulations of Korea) necessary for the performance                of its obligations hereunder. |
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| 2.4 | MHI                shall execute all such other documents and instruments and do all                such                other acts and things as MHUT may reasonably require to carry out                the                transactions contemplated herein. |
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**Article      3.    **
**Events      of Default**

**Article      4.    **
**Notices**

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**Article      5.    **
**Governing      Law and Adjudication**

**Article      6.    **
**Miscellaneous**

| 6.1 | This                Agreement shall become effective as of June 7, 2002 (the “Effective                Date”). |
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| 6.2 | If,                at any time subsequent to the date hereof, any provision of this                Agreement                shall be held by any court or arbitral tribunal of competent jurisdiction                to be illegal, invalid or unenforceable, such provision shall be                of no                force or effect, but the illegality, invalidity or unenforceability                of                such provision shall have no effect upon and shall not impair the                validity                or enforceability of any other provision of this Agreement. The Parties                shall be obliged to replace such illegal, invalid or unenforceable                provision by a new provision having similar                effect. |
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| 6.3 | This                Agreement may be amended, supplemented or changed, and any provision                hereof may be waived, only by written instrument making specific                reference                to this Agreement or to such provision to be waived, signed by the                party                against whom enforcement of such amendment, supplement, modification                or                waiver is sought. |
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| 6.4 | This                Agreement shall be binding upon and shall inure to the benefit of                the                Parties and their respective successors and permitted assigns; provided,                however, that neither this Agreement nor any rights or obligations                hereunder may be assigned, transferred or delegated by any party                without                the prior written consent of the other                party. |
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| 6.5 | This                Agreement embodies the entire agreement of the Parties with respect                to the                subject matter hereof and supersedes and cancels any and all prior                agreements and understandings, oral or written, which may exist in                relation thereto. |
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| 6.6 | This                Agreement may be executed in any number of counterparts, each of                which                shall be deemed an original, but all of which, taken together, shall                constitute one and the same                instrument. |
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| 6.7 | This                Agreement is executed in the English language, which shall be controlling                in all respects between the Parties. No translation hereof shall                be of any                force or effect in the interpretation of this                Agreement. |
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*[Signatures      on the following page]*

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**IN      WITNESS WHEREOF,**

| MEDI-HUT INT’L (MFG) CO., LTD.                                                         |   |   | MEDI-HUT CO., INC.                                                                                                               |
|----------------------------------------------------------------------------------------------|--------|--------|----------------------------------------------------------------------------------------------------------------------------------|
|                                                                                         |   |   |                                                                                                                             |
|                                                                                         |   |   |                                                                                                                             |
| /s/ Young-Kil              Shin                                                         |   |   | /s/ David              R. LaVance                                                                                           |
|                                                                                              |   |   |                                                                                                                                  |
| Name:                  Young-Kil ShinTitle:     President |   |   | Name:                David R. LaVanceTitle:     President and Chief              Financial Officer |

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