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                                                                    EXHIBIT 10.6

NEITHER THIS PROMISSORY NOTE NOR THE COMMON SHARES INTO WHICH IT IS CONVERTIBLE
HAVE BEEN REGISTERED UNDER THE SECURITIES ACT OF 1933 OR ANY STATE SECURITIES
LAW. THE COMPANY WILL NOT TRANSFER THIS PROMISSORY NOTE OR THE UNDERLYING COMMON
SHARES UNLESS: (i) THERE IS AN EFFECTIVE REGISTRATION COVERING SUCH PROMISSORY
NOTE OR SUCH COMMON SHARES, AS THE CASE MAY BE, UNDER THE SECURITIES ACT OF 1933
AND APPLICABLE STATE SECURITIES LAWS, OR (ii) IT FIRST RECEIVES A LETTER FROM AN
ATTORNEY, ACCEPTABLE TO THE BOARD OF DIRECTORS OR ITS AGENTS, STATING THAT IN
THE OPINION OF THE ATTORNEY THE PROPOSED TRANSFER IS EXEMPT FROM REGISTRATION
UNDER THE SECURITIES ACT OF 1933 AND UNDER ALL APPLICABLE STATE SECURITIES LAWS.

                                FITNESSAGE, INC.

                       CONVERTIBLE SECURED PROMISSORY NOTE

                                DECEMBER 6, 1999

        FOR VALUE RECEIVED, FitnessAge, Inc., a Nevada corporation ("Company"),
promises to pay to the order of Natural Alternatives International, Inc., a
Delaware corporation, or any subsequent holder of this Convertible Secured
Promissory Note ("Note") hereinafter collectively referred to as the "Holder,"
payable at the Holder's offices at 1185 Linda Vista Drive, San Marcos,
California 92069, or such other place as may be designated in writing by notice
to the Company from the Holder, the principal sum of $350,000.00 receipt of
which is acknowledged, with interest thereon during the period that any portion
of the principal balance due under this Note remains unpaid and outstanding at
the rate of Twelve Percent (12%) per annum, compounded monthly. The principal
hereof, together with all accrued and unpaid interest, shall be paid in full on
or before November 10, 2000.

1.  WAIVER

        The Company and any and each other person or entity liable for the
payment or collection of this Note expressly waives demand and presentment for
payment, notice of nonpayment, protest, notice of protest, notice of dishonor,
bringing of suit and diligence in taking any action to collect amounts called
for under this Note and in the handling of property at any time existing as
security in connection with this Note, and shall be directly and primarily
liable for the payment of all sums owing and to be owing on this Note,
regardless of and without any notice, diligence, act or omission as or with
respect to the collection of any amount called for under this Note or in
connection with

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any right, lien, interest or property at any and all times had or existing as
security for any amount called for under this Note.

2.  COSTS OF COLLECTION

        The Company agrees to pay all reasonable costs, including reasonable
attorneys' fees, incurred by the Holder in collecting or enforcing payment of
this Note in accordance with its terms.

3.  NO SUBORDINATION

        (a) This Note shall, to the extent and in the manner hereinafter set
forth be subject in all cases to the provisions of any subordination agreement
between the holder(s) of other indebtedness of the Company and the Holder, and
otherwise shall be of first priority and shall not at any time be subordinated
or subject in right of payment to the prior payment of any other indebtedness of
the Company, whether now existing or hereafter created, with the sole exception
of the $1.6 million in loans due in December 1999.

        (b) No payment on account of principal, premium, if any, or interest on
any other indebtedness of the Company shall be made if, at the time of such
payment or immediately after giving effect thereto: (i) there shall exist a
default in the payment of principal, premium, if any, or interest with respect
to this Note, or (ii) there shall have occurred an event of default with respect
to any other indebtedness, or in the instrument under which the same is
outstanding, permitting the holders thereof to accelerate the maturity of such
other indebtedness, and such event of default shall not have been cured or
waived or shall not have ceased to exist.

        (c) Upon: (i) any acceleration of the principal amount due on this Note;
or (ii) any payment or distribution of assets of the Company of any kind or
character, whether in cash, property or securities, to creditors upon any
dissolution or winding up or total or partial liquidation or reorganization of
the Company, whether voluntary or involuntary or in bankruptcy, insolvency,
receivership or other proceedings, all principal, premium, if any, and interest
due or to become due upon this Note shall first be paid in full, or payment
thereof provided for in money or money's worth, before any other creditor of the
Company shall be entitled to retain any assets so paid or distributed in respect
to such other debt (for principal, premium, if any, or interest); and upon any
such dissolution or winding up or liquidation or reorganization or any payment
or distribution of assets of the Company of any kind or character, whether in
cash, property or securities, to which the holder of any other indebtedness
would be entitled, except for these provisions, shall be paid by the Company or
by any receiver, trustee in bankruptcy, liquidating trustee, agent or other
person making such payment or distribution, or by such other creditor if
received by it, directly to the Holder(s) of this Note or their representatives,
to the extent necessary to pay this Note in full.

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4.  VOLUNTARY CONVERSION

        (a) The Holder shall have the right, at the Holder's option exercisable
at any time to convert this Note into such number of fully paid and
nonassessable shares of Common Stock (subject to adjustment as set forth below)
as shall be obtained by dividing the principal amount outstanding hereunder,
plus any accrued but unpaid interest, by the Conversion Price (as hereinafter
defined). The Conversion Price shall be equal to the lesser of (i) $1.00 per
share or (ii) $0.25 above the purchase price of a share of Common Stock sold by
the Company in the aggregate amount of $500,000 provided such sale is on or
before January 31, 2000, or if the event described in this section 4(a)(ii) does
not occur then the Conversion Price shall be $0.75 per share.

        (b) The Conversion Price shall be adjusted from time to time as follows:

               (i) In case the Company shall hereafter (A) subdivide its
        outstanding shares of Common Stock into a greater number of shares; (B)
        combine its outstanding shares of Common Stock into a smaller number of
        shares; or (C) issue by reclassification of its Common Stock any shares
        of capital stock of the Company, the Conversion Price in effect
        immediately prior to such action shall be adjusted so the Holder shall
        be entitled to receive the number of shares of Common Stock or other
        capital stock of the Company which it would have owned immediately
        following such action had this Note been converted immediately prior
        thereto. An adjustment made pursuant to this subsection (i) shall become
        retroactively effective as of immediately after the record date in the
        case of a dividend or distribution and shall become effective
        immediately after the effective date in the case of a subdivision,
        combination or reclassification. If, as a result of an adjustment made
        pursuant to this subsection (i), the Holder shall become entitled to
        receive shares of two or more classes or series of capital stock, the
        Board of Directors of the Company, in good faith (whose determination
        shall be conclusive and shall be described in a notice given to the
        Holder) shall determine for accounting purposes the allocation of the
        adjusted Conversion Price between or among shares of such classes of
        capital stock or shares of Common Stock and other capital stock.

               (ii) In case the Company shall hereafter issue options, rights or
        warrants to holders of its outstanding shares of Common Stock generally
        entitling them (for a period expiring within 45 days after the record
        date mentioned below) to subscribe for or purchase shares of Common
        Stock at a price per share less than the Conversion Price on the record
        date mentioned below, the Conversion Price shall be adjusted so that the
        same shall equal the price determined by multiplying the Conversion
        Price in effect immediately prior to the date of issuance of such
        options, rights or warrants by a fraction of which the numerator shall
        be the number of shares of Common Stock outstanding on the date of
        issuance of such options, rights or warrants plus the number of shares
        which the aggregate offering price of

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        the total number of shares of Common Stock offered pursuant to such
        options, rights or warrants would purchase at such current Conversion
        Price per share of Common Stock, and of which the denominator shall be
        the number of shares of Common Stock outstanding on the date of issuance
        of such options, rights or warrants, plus the number of additional
        shares of Common Stock offered for subscription or purchase pursuant to
        such options, rights or warrants. Such adjustment shall become
        retroactively effective as of immediately after the record date for the
        determination of stockholders entitled to receive such options, rights
        or warrants.

               (iii) No adjustment in the Conversion Price shall be required
        unless such adjustment would require an increase or decrease of at least
        1% of such price; provided, however, that any adjustments which by
        reason of this subsection (iii) are not required to be made shall be
        carried forward and taken into account in any subsequent adjustment. All
        calculations shall be made to the nearest cent or to the nearest 1/100th
        of a share, as the case may be.

               (iv) In the event that at any time as a result of an adjustment
        made pursuant to subsection (i) above, the Holder shall become entitled
        to receive any shares of the Company other than shares of Common Stock,
        thereafter the Conversion Price of such other shares so receivable upon
        conversion of this Note shall be subject to readjustment from time to
        time in a manner and on terms as nearly equivalent as practicable to the
        provision with respect to Common Stock contained in this Note.

               (v) No adjustment in the Conversion Price need be made under
        subsection (ii), if the Company issues or distributes to the Holder the
        shares, rights, options, or warrants referred to in such subsection that
        the Holder would have been entitled to receive had the Note been
        converted prior to the happening of such event or the record date with
        respect thereto.

        (c) If at any time the Company shall be recapitalized by reclassifying
its outstanding Common Stock into shares with a par value, if the Company or a
successor corporation shall consolidate or merge with or convey all or
substantially all of its or of any successor corporation's property and assets
to any other corporation or corporations, or if the Company or a successor
corporation shall distribute Common Stock or other assets pursuant to, without
limitation, any spin-off, split-off or other distribution of assets, the Holder
shall thereafter have the right to receive upon the basis and on the terms and
conditions specified in this Note in lieu of the Common Stock theretofore
issuable upon the conversion of this Note, such shares, securities or assets as
may be issued or payable with respect to, or in exchange for, the number of
shares of Common Stock theretofore issuable upon the conversion of this Note had
such conversion taken place immediately prior to such recapitalization,
consolidation, merger, conveyance or distribution.

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        (d) If at any time the Company shall dissolve, liquidate or wind up its
affairs, the Holder may thereafter receive upon conversion hereof in lieu of
each share of Common Stock that it would have been entitled to receive the same
kind and amount of any securities or assets as may be issuable, distributable or
payable upon any such dissolution, liquidation or winding up with respect to
each share of Common Stock.

        (e) In the event (i) the Company shall issue any shares of Common Stock,
options or rights to subscribe for shares of Common Stock, or any securities
convertible into or exchangeable for shares of Common Stock, (ii) the Company
shall take a record of the holders of its Common Stock for the purpose of
entitling them to receive a dividend payable otherwise than in cash or any other
distribution in respect to the Common Stock pursuant to, without limitation, any
spin-off, split-off or distribution of the Company's assets, or (iii) the
Company shall take a record of the holders of its Common Stock for the purpose
of entitling them to subscribe for or purchase any shares of any class or to
receive any other rights; or (iv) of any reclassification or other
reorganization or recapitalization of the shares which the Company is authorized
to issue, consolidation or merger of the Company with or into another
corporation, or conveyance of all of substantially all of the assets of the
Company; then, and in such event, the Company shall send to the Holder, at least
30 days prior thereto, a notice stating the date or expected date on which such
event is to take place. Such notice shall specify the date or expected date if
any is to be fixed, as of which holders of Common Stock of record shall be
entitled to exchange their Common Stock for securities or other property
deliverable upon such reclassification, reorganization, consolidation or merger,
as the case may be.

        (f) The Company will at all times reserve and keep available out of its
authorized shares, solely for issuance upon the conversion of this Note, such
number of shares of Common Stock as from time to time shall be issuable upon the
conversion of this Note.

        (g) In order to exercise the conversion privilege, the Holder shall
deliver this Note to the Company accompanied by a written request for conversion
executed by the Holder. Such conversion shall be deemed to have been effected
immediately prior to the close of business on the day on which such conversion
request and Note shall have been received by the Company, and at such time the
rights of the Holder to receive principal and interest shall cease, and the
Holder shall be treated for all purposes as the record holder of such Common
Stock at such time. As promptly as practicable after the receipt of such
conversion request and this Note, the Company shall cause to be issued and
delivered to the Holder a certificate or certificates for the number of shares
of Common Stock issuable upon conversion of this Note. Such certificate or
certificates shall bear such legends required, in the opinion of counsel for the
Company, under applicable securities law.

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        (h) It is specifically agreed that this Note may be converted in part
only by the Holder and upon such conversion in part, the Company will deliver to
the Holder another Note in this form for the proportionate part of this Note not
converted.

        (i) No fractional shares of Common Stock will be issued in connection
with any conversion under this Note, but in lieu of such fractional shares, the
Company shall make a cash refund therefor equal in amount to the product of the
applicable fraction multiplied by the Conversion Price then in effect.

        (j) The Holder and all holders of shares of Common Stock issued upon
conversion of this Note ("Conversion Shares") are entitled to certain rights to
registration of such Conversion Shares by the Company under an Investor Rights
Agreement. Reference is made to the Investor Rights Agreement for a more
complete statement of the registration rights of the Holder and the holders of
Conversion Shares. Copies of the Investor Rights Agreement are on file at the
office of the Company.

5.  OPTIONAL PREPAYMENT

        This Note is pre-payable at any time upon thirty (30) days written
notice, in whole or in part, by the Company without penalty provided, however,
that upon notice of prepayment by the Company, Natural Alternatives
International, Inc. or Holder shall have 30 days after the receipt of notice
herein, to exercise their conversion privileges as set forth herein, including
under the heading "Voluntary Conversion." Prepayments shall be applied first to
accrued but unpaid interest and then to principal.

6.  AMENDMENT

        This Note may not be amended in any respect except by a written
agreement executed by the person to be charged with the amendment.

7.  SECURITY

        This Note is secured by all of the rights title and interest of the
Company in Custom Nutrition, LLC, a Delaware limited liability company,
including without limitation any interest of the Company as a Manager, Member or
creditor of Custom Nutrition, LLC and the Company's allocable share of all gross
revenue received by Custom Nutrition, LLC from Bally Total Fitness Holding
Corporation or its affiliates as set forth in the Loan Agreement between the
parties hereto, dated November 11, 1999, as amended December 6, 1999, and shall
include the proceeds, products and accessories of any kind to any thereof,
pursuant to and with the priorities referenced in the Security Agreement
executed by the Company of even date herewith.

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8.  APPLICABLE LAW

        This Note shall be governed by and construed and enforced in accordance
with the laws of the State of Delaware. It is the intention of the Company and
Holder to conform strictly to the usury laws now in force in any the state whose
laws may apply to this transaction. Accordingly, notwithstanding anything to the
contrary in this Note or in any instrument securing the same, it is agreed that
if a court of competent jurisdiction applies the laws of any state other than
Delaware in construing this Note or the enforcement thereof, then in that event
the aggregate of all charges that constitute interest under the laws of that
state that are contracted for, chargeable or receivable under this Note or any
other such instrument shall under no circumstances exceed the maximum amount of
interest permitted by laws of that state, and any excess, whether occasioned by
acceleration of maturity of this Note or otherwise, shall be deemed a mistake in
calculation and canceled automatically and, if theretofore paid, shall be either
refunded to the Company or credited on the principal amount of this Note, at the
election of the Holder.

DATED: December 6, 1999                 FitnessAge, Inc.,
                                        a Nevada corporation

                                        By:  /s/ Michael L. Jeub
                                           -------------------------------------
                                            Michael L. Jeub, President

                                        By:  /s/ David G. Forster
                                           -------------------------------------
                                            David G. Forster, Chief Financial
                                            Officer

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                                                                    EXHIBIT 10.7

                               SECURITY AGREEMENT

        THIS SECURITY AGREEMENT ("Agreement") is made on November 11, 1999,
between Natural Alternatives International, Inc., a Delaware corporation
(referred to as "Secured Party") and FitnessAge, Inc., a Nevada corporation
(referred to as "Debtor").

        NOW THEREFORE, the parties agree as follows:

        1.     Definitions of Terms Used Herein.

               (i) "Bally Proceeds" shall mean sixty percent (60%) of the gross
receipts of Custom Nutrition, LLC from Bally Total Fitness Holding Corporation
or its affiliates ("Bally"), which amount Debtor has undertaken to cause to be
placed in an escrow account, the contents of which account are to be held as
security for the amounts to become due and owing on the Notes (as defined below)
pursuant to this Agreement and the Loan Agreement between Debtor and Secured
Party dated November 11, 1999 (the "Loan Agreement"), a copy of which is
attached hereto and incorporated herein by this reference.

               (ii) "LLC Interest" shall mean all of the right title or interest
of Debtor in and to Custom Nutrition, LLC, a Delaware limited liability company
in whatever form such interest may take, including but not limited to any
interest now held or hereafter acquired by Debtor as a member, manager or
creditor of Custom Nutrition, LLC.

               (iii) "Event of Default" shall mean a failure by Debtor to pay
principal or accrued interest when due under any of those certain Convertible
Secured Promissory Notes executed by Debtor in favor of Secured Party in the
form attached to the Loan Agreement and incorporated herein by reference
("Notes") or failure by Debtor to perform any of its obligations contained in
this Agreement, the Notes or the Loan Agreement.

               (iv) "Collateral" shall mean (i) the LLC Interest; (ii) Bally
Proceeds; and (iii) Proceeds from either of the foregoing.

               (v) "Liability" or "Liabilities" shall mean all indebtedness due
or to become due, of the Debtor to the Secured Party under the Notes.

               (vi) "Proceeds" shall mean whatever is received, including cash,
negotiable instruments and other instruments for the payment of money, chattel
paper, security agreements or other documents, when any of the Collateral is
sold, exchanged, leased, collected or otherwise disposed of, and any
instruments, securities, contract rights, general intangibles, credits, claims,
dividends and any other property, rights and interest of Debtor.

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               (vii) "Security Interest" shall mean a lien or other interest in
the Collateral which secures payment in full of a Liability or performance of
any obligation hereunder continuing in full force and effect until the payment
in full of all of the Liabilities.

        2. Security Interest. As security for the payment of the Liabilities,
the Debtor hereby grants to the Secured Party a Security Interest in all the
Collateral and in all ledger sheets, files, records and documents relating to
the Collateral. Until payment in full of the Liabilities, the Security Interest
in all Collateral hereby shall continue in force and effect.

        3. Taxes; Financing Statements. At its option, the Secured Party may
discharge taxes, liens or security interest or other encumbrances at any time
levied or placed on the Collateral, and may pay for the maintenance and
preservation thereof, and the Debtor agrees to reimburse the Secured Party on
demand for any payment made or any expense incurred by the Secured Party on
demand for any payment made or any expense incurred by the Secured Party
pursuant to the foregoing authorization. The Debtor hereby authorizes the
Secured Party to file a financing statement or financing statements on Form
UCC-1 and any amendments thereto without the signature of the Debtor. Such
authorization is limited to the Security Interest granted by this Security
Agreement.

        4. Collections. Upon the occurrence of an Event of Default hereunder,
the Secured Party shall have the right to receive, endorse, assign and/or
deliver in its own name or the name of the Debtor any and all checks, drafts and
other instruments for the payment of money relating to the Collateral and the
Proceeds and the Debtor hereby waives notices of presentment, protest and
nonpayment of any instrument so endorsed. In furtherance of the foregoing, upon
the occurrence of an Event of Default hereunder, the Debtor hereby irrevocably
appoints the Secured Party its true and lawful agent, with power of substitution
for such Debtor's name or in the name of the Secured Party or otherwise, for the
use and benefit of the Secured Party: (a) To endorse the name of the Debtor upon
any notes, acceptances, checks, drafts, money orders or other evidences of
payment that may come into the possession of the Secured Party; (b) To commence
and prosecute any and all suits, actions or proceedings in law or in equity in
any court of competent jurisdiction to collect or otherwise realize on all or
any of the Collateral or the Proceeds or to enforce any rights in respect
thereof; (c) To settle, compromise, compound, adjust or defend any actions,
suits or proceedings relating to or pertaining to all or any of the Collateral;
and (d) Generally to sell, assign, transfer, pledge, make any agreement with
respect to or otherwise deal with all or any of the Collateral, and do all other
acts and things necessary to carry out this Security Agreement, as fully and
completely as though the Secured Party were the absolute owner thereof for all
purposes; provided, however, that, unless an Event of Default shall have
occurred, the Debtor may make collections and otherwise may deal with the
Collateral (including the Proceeds) in any lawful manner in the ordinary course
of its business. The Secured Party shall not be responsible nor liable for any
shortage, discrepancy, damage, loss or destruction of any part of the Collateral
wherever the same may be located regardless of the cause thereof unless the same
shall happen through the Secured Party's negligence or wilful misconduct. The
costs of collection, notification and enforcement, including counsel fees and
out-of-pocket expenses, shall be borne solely by the Debtor whether the same are
incurred by the Security Party or the Debtor.

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        5. Event of Default. If an Event of Default shall occur, the Secured
Party may take any or all of the following actions, at the same or different
times:

               (i) declare any or all of the Liabilities immediately due and
payable, without presentment, demand, protest or notice of any kind, all of
which are hereby expressly waived, anything contained herein or in the Notes to
the contrary notwithstanding;

               (ii) with or without legal process and with or without previous
notice or demand for performance, enter any premises where the Collateral is
located and take possession of the same, together with anything therein, and
make disposition of, or proceed to enforce payment of, the Collateral subject to
any and all applicable provisions of law; and/or

               (iii) exercise any and all rights and remedies afforded to it
under any and all applicable provisions of law or principles of equity.

        If the Collateral is sold at public sale, the Secured Party may purchase
all or part of the Collateral at such sale. The Secured Party shall apply the
proceeds of any such sale as follows: first, to the extent the same have not
been paid within 30 days of the invoice therefor, to the payment of all costs
and expenses of the Secured Party incurred in connection with such sale or
otherwise in connection with this Agreement, the Loan Agreement or any of the
Notes including, but not limited to, the reasonable fees and expenses of its
agents, attorneys and counsel; second, upon three (3) business days' notice to
the Debtor of the Secured Party's intention to make such application, to the
payment or reduction of any principal of or interest on the Notes then due and
payable, whether at the stated maturity thereof, or by acceleration or
otherwise, and any remainder of the proceeds of such sale shall be paid over to
the Debtor.

        6. Waiver. The Secured Party shall not be deemed to have waived any
rights hereunder under any other agreement, instrument or paper signed by the
Secured Party. No delay or omission on the part of the Secured Party in
exercising any right hereunder shall operate as a waiver thereof or of any other
right. A waiver upon any one occasion shall not be construed as a bar or a
waiver of any right or remedy on any future occasion. All of the rights and
remedies of the Secured Party, whether evidenced hereby or by any other
agreement, instrument or paper, shall be cumulative and may be exercised singly
or concurrently.

        7. Governing Law. This Agreement shall be deemed to be a contract made
under the laws of the State of California and shall be construed in accordance
with and governed by the laws of said State.

        8. Successors and Assigns. Whenever in this Agreement any of the parties
hereto is referred to, such reference shall be deemed to include the successors
and assigns of such party; and all covenants, promises and agreements by or on
behalf of the Secured Party in this Agreement shall bind and inure to the
benefit of the successors and assigns of the Secured Party.

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        9. Severability. If any part of this Agreement is contrary to,
prohibited by or deemed invalid under applicable laws or regulations, such
provision shall be inapplicable and deemed omitted to the extent so contrary,
prohibited or invalid, but the remainder hereof shall not be invalidated thereby
and shall be given effect so far as possible.

        10. Execution by the Secured Party. This Agreement shall take effect
immediately upon execution by the Debtor, and the execution hereof by the
Secured Party shall not be required as a condition to the effectiveness of the
Security Agreement. The provision for execution of this Agreement by the Secured
Party is only for purposes of filing this Agreement as a Security Agreement
under the Uniform Commercial Code, if execution hereof by the Secured Party is
required for purposes of such filings.

        11. Headings. Sections headings have been inserted in this Agreement as
a matter of convenience of reference only, and it is agreed that such Section
headings are not a part of this Agreement and shall not be used in the
interpretation of any provision of this Agreement.

        12. Jurisdiction; Service of Process. Any action or proceeding seeking
to enforce any provision of, or based on any right arising out of, this
Agreement may be brought against any of the parties only in the courts of the
State of California, County of San Diego, or, if it has or can acquire
jurisdiction, in the United States District Court for the Southern District of
California, and each of the parties consents to the jurisdiction of such courts
(and of the appropriate appellate courts) in any such action or proceeding and
waives any objection to venue laid therein. Process in any action or proceeding
referred to in the proceeding sentence may be served on any party anywhere in
the world.

        IN WITNESS WHEREOF, the parties hereto have executed this Agreement as
of the day and year first above written.

                                    SECURED PARTY:

                                    Natural Alternatives, International, Inc.,
                                    a Delaware corporation

                                    By:    /s/ Mark A. LeDoux
                                       -----------------------------------------
                                       Mark A. LeDoux, Chief Executive Officer

                                    DEBTOR:

                                    FitnessAge, Inc.,
                                    a Nevada corporation

                                    By:    /s/ David G. Forster
                                       -----------------------------------------
                                       David G. Forster, Chief Financial Officer

                                      -4-
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                                   EXHIBIT "A"

                                   FORM UCC-1

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