Document:

Exhibit 10.4

 

 

NOTE

	SBA Loan #	2202638402
	SBA Loan Name	REVIV3 PROCARE COMPANY
	Date	February 7, 2021
	Loan Amount	$6,300.00
	Interest Rate	1%
	Borrower	REVIV3 PROCARE COMPANY
	Operating Company	N/A
	Lender	ConnectOne Bank

 

		1.	PROMISE TO PAY:

 

In return for the Loan, Borrower promises to pay
to the order of Lender the amount of Six Thousand Three Hundred Dollars ($6,300.00), interest on the unpaid principal balance, and all
other amounts required by this Note.

 

		2.	DEFINITIONS:

 

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

 

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

 

“Loan” means the loan evidenced by this Note.

 

 

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

 

“SBA” means the Small Business Administration,
an Agency of the United States of America.

 

		3.	PAYMENT TERMS:

 

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

 

Maturity: This Note will mature in 5 years
from the date of initial disbursement.

 

Repayment Terms:

 

PAYMENT SCHEDULE. Beginning one month from
the date of the Note and continuing for 5 months thereafter (total of 6 months from the date of the Note) payments of $0 shall be due.
Beginning 7 months from the date of this Note, unless extended by Lender in its sole discretion under the terms of the PPP, and continuing
the same day of each month thereafter, payments of principal and interest shall be due on the outstanding principal balance of the Note
[subject to any amount of forgiveness approved the SBA]. The monthly principal and interest payment will be calculated based on a 54 month
amortization. The unpaid principal balance of this Note, together with all accrued interest and charges owing in connection therewith,
shall be due and payable on the Maturity Date.

 

The interest rate is 1.00% per year.

 

Lender will apply each installment payment first
to pay interest accrued to the day Lender receives the payment, then to bring principal current, then to pay any late fees, and will apply
any remaining balance to reduce principal.

 

Loan Prepayment:

 

Notwithstanding any provision in this Note to
the contrary:

 

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

 

		A.	Give Lender written notice;

 

		B.	Pay all accrued interest; and

 

		C.	If the prepayment is received less than 21 days from the date
Lender receives the notice, pay an amount equal to 21 days' interest from the date lender receives the notice, less any interest accrued
during the 21 days and paid under subparagraph b., above.

 

If Borrower does not prepay within 30 days from
the date Lender receives the notice, Borrower must give Lender a new notice.

 

All remaining principal and accrued interest is
due and payable 2 years from date of initial disbursement.

 

    	
 
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		4.	DEFAULT:

 

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

 

		A.	Fails to do anything required by this Note and other Loan
Documents;

 

		B.	Defaults on any other loan with Lender;

 

		C.	Does not preserve, or account to Lender’s satisfaction
for, any of the Collateral or its proceeds;

 

		D.	Does not disclose, or anyone acting on their behalf does not
disclose, any material fact to Lender or SBA;

 

		E.	Makes, or anyone acting on their behalf makes, a materially
false or misleading representation to Lender or SBA;

 

		F.	Defaults on any loan or agreement with another creditor, if
Lender believes the default may materially affect Borrower’s ability to pay this Note;

 

		G.	Fails to pay any taxes when due;

 

		H.	Becomes the subject of a proceeding under any bankruptcy or
insolvency law;

 

		I.	Has a receiver or liquidator appointed for any part of their
business or property;

 

		J.	Makes an assignment for the benefit of creditors;

 

		K.	Has any adverse change in financial condition or business
operation that Lender believes may materially affect Borrower’s ability to pay this Note;

 

		L.	Reorganizes, merges, consolidates, or otherwise changes ownership
or business structure without Lender’s prior written consent; or

 

		M.	Becomes the subject of a civil or criminal action that Lender
believes may materially affect Borrower’s ability to pay this Note.

 

		5.	LENDER’S RIGHTS IF THERE IS A DEFAULT:

 

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

 

		A.	Require immediate payment of all amounts owing under this
Note;

 

		B.	Collect all amounts owing from any Borrower or Guarantor;

 

		C.	File suit and obtain judgment;

 

		D.	Take possession of any Collateral; or

 

		E.	Sell, lease, or otherwise dispose of, any Collateral at public
or private sale, with or without advertisement.

 

		6.	LENDER’S GENERAL POWERS:

 

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

 

		A.	Bid on or buy the Collateral at its sale or the sale of another
lienholder, at any price it chooses;

 

    	
 
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		B.	Incur expenses to collect amounts due under this Note, enforce
the terms of this Note or any other Loan Document, and preserve or dispose of the Collateral. Among other things, the expenses may include
payments for property taxes, prior liens, insurance, appraisals, environmental remediation costs, and reasonable attorney’s fees
and costs. If Lender incurs such expenses, it may demand immediate repayment from Borrower or add the expenses to the principal balance;

 

		C.	Release anyone obligated to pay this Note;

 

		D.	Compromise, release, renew, extend or substitute any of the
Collateral; and

 

		E.	Take any action necessary to protect the Collateral or collect
amounts owing on this Note.

 

		7.	WHEN FEDERAL LAW APPLIES:

 

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

 

		8.	SUCCESSORS AND ASSIGNS:

 

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

 

		9.	GENERAL PROVISIONS:

 

		A.	All individuals and entities signing this Note are jointly
and severally liable.

 

		B.	Borrower waives all suretyship defenses.

 

		C.	Borrower must sign all documents necessary at any time to
comply with the Loan Documents and to enable Lender to acquire, perfect, or maintain Lender’s liens on Collateral.

 

		D.	Lender may exercise any of its rights separately or together,
as many times and in any order it chooses. Lender may delay or forgo enforcing any of its rights without giving up any of them.

 

		E.	Borrower may not use an oral statement of Lender or SBA to
contradict or alter the written terms of this Note.

 

		F.	If any part of this Note is unenforceable, all other parts
remain in effect.

 

		G.	To the extent allowed by law, Borrower waives all demands
and notices in connection with this Note, including presentment, demand, protest, and notice of dishonor. Borrower also waives any defenses
based upon any claim that Lender did not obtain any guarantee; did not obtain, perfect, or maintain a lien upon Collateral; impaired
Collateral; or did not obtain the fair market value of Collateral at a sale.

 

    	
 
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		10.	STATE-SPECIFIC PROVISIONS:

 

The following provision applies when a borrower
is a resident of WISCONSIN: Each Borrower who is married represents that this obligation is incurred in the interest of his or her
marriage or family.

 

The following
Confession of Judgment provision applies when a borrower is a resident of DELAWARE: WARRANT OF ATTORNEY/CONFESSION OF JUDGMENT.
In addition to any other remedies Lender may possess, Borrower knowingly, voluntarily and intentionally authorizes any attorney to appear
on behalf of Borrower, from time to time, in any court of record possessing jurisdiction over this Note and to waive issuance and service
of process and to confess judgment in favor of Lender against Borrower, for the unpaid principal, accrued interest, accrued charges, reasonable
attorney fees and court costs and such other amount due under this Note.

 

The following Confession of Judgment provision
applies when a borrower is a resident of MARYLAND: WARRANT OF ATTORNEY/CONFESSION OF JUDGMENT. Borrower authorizes an attorney to appear
in a court of record and confess judgment, without process, against Borrower in favor of Lender for all indebtedness owed in connection
with the loan, including but not limited to service charges, other charges and reasonable attorney's fees.

 

The following
Confession of Judgment provision applies when a borrower is a resident of OHIO: WARRANT OF ATTORNEY/CONFESSION OF JUDGMENT. In
addition to any other remedies Lender may possess, Borrower knowingly, voluntarily and intentionally authorizes any attorney to appear
on behalf of Borrower, from time to time, in any court of record possessing jurisdiction over this Note and to waive issuance and service
of process and to confess judgment in favor of Lender against Borrower, for the unpaid principal, accrued interest, accrued charges, reasonable
attorney fees and court costs and such other amount due under this Note. 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 THE
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.

 

The following Confession of Judgment provision
applies when a borrower is a resident of PENNSYLVANIA: WARRANT OF ATTORNEY/CONFESSION OF JUDGMENT. Borrower irrevocably authorizes
and empowers the prothonotary, any attorney or any clerk of any court of record, upon default, to appear for and confess judgment against
Borrower for such sums as are due and/or may become due under this Note including costs of suit, without stay of execution, and for attorney's
fees and costs as set forth in this Note and knowingly, voluntarily and intentionally waives any and all rights Borrower may have to notice
and hearing under the state and federal laws prior to entry of a judgment. To the extent permitted by law, Borrower releases all errors
in such proceedings. If a copy of this Note, verified by or on behalf of the holder shall have been filed in such action, it shall not
be necessary to file the original Note as a warrant of attorney. The authority and power to appear for and confess judgment against Borrower
shall not be exhausted by the initial exercise thereof and may be exercised as often as the holder shall find it necessary and desirable
and this Note shall be a sufficient warrant for such authority and power.

 

The following Confession of Judgment provision
applies when a borrower is a resident of VIRGINIA: IMPORTANT NOTICE: THIS INSTRUMENT CONTAINS A CONFESSION OF JUDGMENT PROVISION WHICH
CONSTITUTES A WAIVER OF IMPORTANT RIGHTS YOU MAY HAVE AS A DEBTOR AND ALLOWS CREDITOR TO OBTAIN A JUDGMENT AGAINST YOU WITHOUT ANY FURTHER
NOTICE. WARRANT OF ATTORNEY/CONFESSION OF JUDGMENT.

 

    	
 
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In addition to any other remedies Lender
may possess, Borrower knowingly, voluntarily, and intentionally authorizes Lender to appear on behalf of Borrower, from time to time,
in any court in Virginia having jurisdiction over this Note and to waive issuance and service of process and to confess judgment in favor
of Lender against Borrower, for the unpaid principal, accrued interest, accrued charges, reasonable attorney fees and court costs and
such other amount due under this Note.

 

The following Oral Agreements Disclaimer provision
applies when the borrower is a resident of MISSOURI: Oral or unexecuted agreements or commitments to loan money, extend credit or to
forbear from enforcing repayment of a debt including promises to extend or renew such debt are not enforceable, regardless of the legal
theory upon which it is based that is in any way related to the credit agreement. To protect you (Borrowers(s)) and us (Creditor) from
misunderstanding or disappointment, any agreements we reach covering such matters are contained in this writing, which is the complete
and exclusive statement of the agreement between us, except as we may later agree in writing to modify it.

 

The following Oral Agreements Disclaimer provision
applies when the borrower is a resident of OREGON: UNDER OREGON LAW, MOST AGREEMENTS, PROMISES AND COMMITMENTS MADE BY [BENEFICIARY]/
US CONCERNING LOANS AND OTHER CREDIT EXTENSIONS WHICH ARE NOT FOR PERSONAL, FAMILY, OR HOUSEHOLD PURPOSES OR SECURED SOLELY BY GRANTOR'S/
BORROWER'S RESIDENCE MUST BE IN WRITING, EXPRESS CONSIDERATION AND BE SIGNED BY [AN AUTHORIZED REPRESENTATIVE OF BENEFICIARY]/US TO BE
ENFORCEABLE.

 

The following Oral Agreements Disclaimer provision
applies when the borrower is a resident of WASHINGTON: Oral agreements or oral commitments to loan money, extend credit, or to forbear
from enforcing repayment of a debt are not enforceable under Washington law.

 

The following
provision applies when the borrower is a resident of ALASKA: The Mortgagor or Trustor (Borrower) is personally obligated and fully
liable for the amount due under the Note. The Mortgagee or Beneficiary (Lender) has the right to sue on the Note and obtain a personal
judgment against the Mortgagor or Trustor for the satisfaction of the amount due under the Note either before or after a judicial foreclosure
of the Mortgage or Deed of Trust as under AS 09.45.170-09.45.220.

 

The following Oral Agreements Disclaimer provision
applies when the borrower is a resident of IOWA: IMPORTANT: READ BEFORE SIGNING. The terms of this agreement should be read carefully
because only those terms in writing are enforceable. No other terms or oral promises not contained in this written contract may be legally
enforced. You may change the terms of this agreement only by another written agreement.

 

The following Oral Agreements Disclaimer provision
applies when the borrower is a resident of UTAH: This is a final expression of the agreement between the creditor and debtor and the
written agreement may not be contradicted by evidence of any alleged oral agreement.

 

The following
provision applies for all states, to the extent permitted by law: WAIVER OF JURY TRIAL. To the fullest extent permitted by law,
all parties to this Note hereby knowingly and voluntarily waive any right to trial by jury of any dispute, whether in contract,
tort, or otherwise, arising out of, in connection with, related to, or incidental to the relationship established between them in
this Note or any other instrument, document, or agreement executed or delivered in connection with this Note.

 

    	
 
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		11.	BORROWER’S NAME(S) AND SIGNATURE(S):

 

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

 

	REVIV3 PROCARE COMPANY	 	 
	 	 	 
	/s/ Sasan S. Toghraie	2/11/2021	 
	By: Sasan S. Toghraie, Chief Executive Officer	 	 
	 	 	 
	/s/ Jeffrey B. Brown	2/8/2021	 
	By: Jeffrey B. Brown, Chief Operating Officer	 	 

 

    	
 
SBA 7A Promissory Note - DL4044
	Page 7 of 7Exhibit 10.5

 

	SBA Loan #8237657409	Application #3600109668

 

U.S. Small Business Administration

 

Economic Injury Disaster Loan

 

LOAN AUTHORIZATION AND AGREEMENT

 

Date: 05.18.2020 (Effective Date)

 

On the above date, this Administration (SBA)
authorized (under Section 7(b) of the Small Business Act, as amended) a Loan (SBA Loan #8237657409) to REVIV3 PROCARE COMPANY
(Borrower) of 9480 TELSTAR AVE STE 5 EL MONTE California 91731 in the amount of one hundred and fifty thousand and 00/100 Dollars
($150,000.00), upon the following conditions:

 

PAYMENT

 

		●	Installment payments, including principal and interest, of
$731.00 Monthly, will begin Twelve (12) months from the date of the promissory Note. The balance of principal and interest
will be payable Thirty (30) years from the date of the promissory Note.

 

INTEREST

 

		●	Interest will accrue at the rate of 3.75% per annum
and will accrue only on funds actually advanced from the date(s) of each advance.

 

PAYMENT TERMS

 

		●	Each payment will be applied first to interest accrued to
the date of receipt of each payment, and the balance, if any, will be applied to principal.

 

		●	Each payment will be made when due even if at that time the
full amount of the Loan has not yet been advanced or the authorized amount of the Loan has been reduced.

 

COLLATERAL

 

		●	For loan amounts of greater than $25,000, Borrower hereby
grants to SBA, the secured party hereunder, a continuing security interest in and to any and all “Collateral” as described
herein to secure payment and performance of all debts, liabilities and obligations of Borrower to SBA hereunder without limitation, including
but not limited to all interest, other fees and expenses (all hereinafter called “Obligations”). The Collateral includes
the following property that Borrower now owns or shall acquire or create immediately upon the acquisition or creation thereof: all tangible
and intangible personal property, including, but not limited to: (a) inventory, (b) equipment, (c) instruments, including promissory
notes (d) chattel paper, including tangible chattel paper and electronic chattel paper, (e) documents, (f) letter of credit rights, (g)
accounts, including health-care insurance receivables and credit card receivables, (h) deposit accounts, (i) commercial tort claims,
(j) general intangibles, including payment intangibles and software and (k) as-extracted collateral as such terms may from time to time
be defined in the Uniform Commercial Code. The security interest Borrower grants includes all accessions, attachments, accessories, parts,
supplies and replacements for the Collateral, all products, proceeds and collections thereof and all records and data relating thereto.

 

		●	For loan amounts of $25,000 or less, SBA is not taking a security
interest in any collateral.

 

     

     

    

	SBA Loan #8237657409	Application #3600109668

 

REQUIREMENTS RELATIVE TO COLLATERAL

 

		●	Borrower will not sell or transfer any collateral (except
normal inventory turnover in the ordinary course of business) described in the "Collateral" paragraph hereof without the prior
written consent of SBA.

 

		●	Borrower will neither seek nor accept future advances under
any superior liens on the collateral securing this Loan without the prior written consent of SBA.

 

USE OF LOAN PROCEEDS

 

		●	Borrower will use all the proceeds of this Loan solely as
working capital to alleviate economic injury caused by disaster occurring in the month of January 31, 2020 and continuing thereafter
and to pay Uniform Commercial Code (UCC) lien filing fees and a third-party UCC handling charge of $100 which will be deducted from the
Loan amount stated above.

 

REQUIREMENTS FOR USE OF LOAN PROCEEDS AND RECEIPTS

 

		●	Borrower will obtain and itemize receipts (paid receipts,
paid invoices or cancelled checks) and contracts for all Loan funds spent and retain these receipts for 3 years from the date of the
final disbursement. Prior to each subsequent disbursement (if any) and whenever requested by SBA, Borrower will submit to SBA such itemization
together with copies of the receipts.

 

		●	Borrower will not use, directly or indirectly, any portion
of the proceeds of this Loan to relocate without the prior written permission of SBA. The law prohibits the use of any portion of the
proceeds of this Loan for voluntary relocation from the business area in which the disaster occurred. To request SBA's prior written
permission to relocate, Borrower will present to SBA the reasons therefore and a description or address of the relocation site. Determinations
of (1) whether a relocation is voluntary or otherwise, and (2) whether any site other than the disaster-affected location is within the
business area in which the disaster occurred, will be made solely by SBA.

 

		●	Borrower will, to the extent feasible, purchase only American-made
equipment and products with the proceeds of this Loan.

 

		●	Borrower will make any request for a loan increase for additional
disaster-related damages as soon as possible after the need for a loan increase is discovered. The SBA will not consider a request for
a loan increase received more than two (2) years from the date of loan approval unless, in the sole discretion of the SBA, there
are extraordinary and unforeseeable circumstances beyond the control of the borrower.

 

DEADLINE FOR RETURN OF LOAN CLOSING DOCUMENTS

 

		●	Borrower will sign and return the loan closing documents
to SBA within 2 months of the date of this Loan Authorization and Agreement. By notifying the Borrower in writing, SBA may cancel
this Loan if the Borrower fails to meet this requirement. The Borrower may submit and the SBA may, in its sole discretion, accept documents
after 2 months of the date of this Loan Authorization and Agreement.

 

COMPENSATION FROM OTHER SOURCES

 

		●	Eligibility for this disaster Loan is limited to disaster
losses that are not compensated by other sources. Other sources include but are not limited to: (1) proceeds of policies of insurance
or other indemnifications, (2) grants or other reimbursement (including loans) from government agencies or private organizations, (3)
claims for civil liability against other individuals, organizations or governmental entities, and (4) salvage (including any sale or
re-use) of items of damaged property.

 

    	SBA Form 1391 (5-00)
	Page 2 of 6	Ref 50 30

     

    

	SBA Loan #8237657409	Application #3600109668

 

		●	Borrower will promptly notify SBA of the existence and status
of any claim or application for such other compensation, and of the receipt of any such compensation, and Borrower will promptly submit
the proceeds of same (not exceeding the outstanding balance of this Loan) to SBA.

 

		●	Borrower hereby assigns to SBA the proceeds of any such compensation
from other sources and authorizes the payor of same to deliver said proceeds to SBA at such time and place as SBA shall designate.

 

		●	SBA will in its sole discretion determine whether any such
compensation from other sources is a duplication of benefits. SBA will use the proceeds of any such duplication to reduce the outstanding
balance of this Loan, and Borrower agrees that such proceeds will not be applied in lieu of scheduled payments.

 

DUTY TO MAINTAIN HAZARD INSURANCE

 

		·	Within 12 months from the date
of this Loan Authorization and Agreement the Borrower will provide proof of an active and in effect hazard insurance policy including
fire, lightning, and extended coverage on all items used to secure this loan to at least 80% of the insurable value. Borrower will not
cancel such coverage and will maintain such coverage throughout the entire term of this Loan. BORROWER MAY NOT BE ELIGIBLE FOR EITHER
ANY FUTURE DISASTER ASSISTANCE OR SBA FINANCIAL ASSISTANCE IF THIS INSURANCE IS NOT MAINTAINED AS STIPULATED HEREIN THROUGHOUT THE ENTIRE
TERM OF THIS LOAN. Please submit proof of insurance to: U.S. Small Business Administration, Office of Disaster Assistance, 14925
Kingsport Rd, Fort Worth, TX. 76155.

 

BOOKS AND RECORDS

 

		●	Borrower will maintain current and proper books of account
in a manner satisfactory to SBA for the most recent 5 years until 3 years after the date of maturity, including extensions, or the date
this Loan is paid in full, whichever occurs first. Such books will include Borrower's financial and operating statements, insurance policies,
tax returns and related filings, records of earnings distributed and dividends paid and records of compensation to officers, directors,
holders of 10% or more of Borrower's capital stock, members, partners and proprietors.

 

		●	Borrower authorizes SBA to make or cause to be made, at Borrower's
expense and in such a manner and at such times as SBA may require: (1) inspections and audits of any books, records and paper in the
custody or control of Borrower or others relating to Borrower's financial or business conditions, including the making of copies thereof
and extracts therefrom, and (2) inspections and appraisals of any of Borrower's assets.

 

		●	Borrower will furnish to SBA, not later than 3 months following
the expiration of Borrower's fiscal year and in such form as SBA may require, Borrower's financial statements.

 

		●	Upon written request of SBA, Borrower will accompany such
statements with an 'Accountant's Review Report' prepared by an independent public accountant at Borrower's expense.

 

		●	Borrower authorizes all Federal, State and municipal authorities
to furnish reports of examination, records and other information relating to the conditions and affairs of Borrower and any desired information
from such reports, returns, files, and records of such authorities upon request of SBA.

 

    	SBA Form 1391 (5-00)
	Page 3 of 6	Ref 50 30

     

    

	SBA Loan #8237657409	Application #3600109668

 

LIMITS ON DISTRIBUTION OF ASSETS

 

		●	Borrower will not, without the prior written consent of SBA,
make any distribution of Borrower’s assets, or give any preferential treatment, make any advance, directly or indirectly, by way
of loan, gift, bonus, or otherwise, to any owner or partner or any of its employees, or to any company directly or indirectly controlling
or affiliated with or controlled by Borrower, or any other company.

 

EQUAL OPPORTUNITY REQUIREMENT

 

		●	If Borrower has or intends to have employees, Borrower will
post SBA Form 722, Equal Opportunity Poster (copy attached), in Borrower's place of business where it will be clearly visible to employees,
applicants for employment, and the general public.

 

DISCLOSURE OF LOBBYING ACTIVITIES

 

		●	Borrower agrees to the attached Certification Regarding Lobbying
Activities

 

BORROWER’S CERTIFICATIONS

 

Borrower certifies that:

 

		●	There has been no substantial adverse change in Borrower's
financial condition (and organization, in case of a business borrower) since the date of the application for this Loan. (Adverse changes
include, but are not limited to: judgment liens, tax liens, mechanic's liens, bankruptcy, financial reverses, arrest or conviction of
felony, etc.)

 

		●	No fees have been paid, directly or indirectly, to any representative
(attorney, accountant, etc.) for services provided or to be provided in connection with applying for or closing this Loan, other than
those reported on SBA Form 5 Business Disaster Loan Application'; SBA Form 3501 COVID-19 Economic Injury Disaster Loan Application; or
SBA Form 159, 'Compensation Agreement'. All fees not approved by SBA are prohibited.

 

		·	All representations in the Borrower's
Loan application (including all supplementary submissions) are true, correct and complete and are offered to induce SBA to make this
Loan.

 

		●	No claim or application for any other compensation for disaster
losses has been submitted to or requested of any source, and no such other compensation has been received, other than that which Borrower
has fully disclosed to SBA.

 

		●	Neither the Borrower nor, if the Borrower is a business, any
principal who owns at least 50% of the Borrower, is delinquent more than 60 days under the terms of any: (a) administrative order; (b)
court order; or (c) repayment agreement that requires payment of child support.

 

		●	Borrower certifies
                                            that no fees have been paid, directly or indirectly, to any representative (attorney, accountant,
                                            etc.) for services provided or to be provided in connection with applying for or closing
                                            this Loan, other than those reported on the Loan Application. All fees not approved by SBA
                                            are prohibited. If an Applicant chooses to employ an Agent, the compensation an Agent charges
                                            to and that is paid by the Applicant must bear a necessary and reasonable relationship to
                                            the services actually performed and must be comparable to those charged by other Agents in
                                            the geographical area. Compensation cannot be contingent on loan approval. In addition, compensation
                                            must not include any expenses which are deemed by SBA to be unreasonable for services actually
                                            performed or expenses actually incurred. Compensation must not include charges
                                            prohibited in 13 CFR 103 or SOP 50-30, Appendix 1. If the compensation exceeds
                                            $500 for a disaster home loan or $2,500 for a disaster business loan, Borrower must fill
                                            out the Compensation Agreement Form 159D which will be provided for Borrower upon request
                                            or can be found on the SBA website.

 

		●	Borrower certifies, to the best of its, his or her knowledge
and belief, that the certifications and representations in the attached Certification Regarding Lobbying are true, correct and complete
and are offered to induce SBA to make this Loan.

 

    	SBA Form 1391 (5-00)
	Page 4 of 6	Ref 50 30

     

    

	SBA Loan #8237657409	Application #3600109668

 

CIVIL AND CRIMINAL PENALTIES

 

		·	Whoever wrongfully misapplies
the proceeds of an SBA disaster loan shall be civilly liable to the Administrator in an amount equal to one-and-one half times the original
principal amount of the loan under 15 U.S.C. 636(b). In addition, any false statement or misrepresentation to SBA may result in criminal,
civil or administrative sanctions including, but not limited to: 1) fines, imprisonment or both, under 15 U.S.C. 645, 18 U.S.C. 1001,
18 U.S.C. 1014, 18 U.S.C. 1040, 18 U.S.C. 3571, and any other applicable laws; 2) treble damages and civil penalties under the
False Claims Act, 31 U.S.C. 3729; 3) double damages and civil penalties under the Program Fraud Civil Remedies Act, 31 U.S.C. 3802; and
4) suspension and/or debarment from all Federal procurement and non-procurement transactions. Statutory fines may increase if amended
by the Federal Civil Penalties Inflation Adjustment Act Improvements Act of 2015.

 

RESULT OF VIOLATION OF THIS LOAN AUTHORIZATION AND AGREEMENT

 

		●	If Borrower violates any of the terms or conditions of this
Loan Authorization and Agreement, the Loan will be in default and SBA may declare all or any part of the indebtedness immediately due
and payable. SBA's failure to exercise its rights under this paragraph will not constitute a waiver.

 

		●	A default (or any violation of any of the terms and conditions)
of any SBA Loan(s) to Borrower and/or its affiliates will be considered a default of all such Loan(s).

 

DISBURSEMENT OF THE LOAN

 

		●	Disbursements will be made by and at the discretion of SBA
Counsel, in accordance with this Loan Authorization and Agreement and the general requirements of SBA.

 

		●	Disbursements may be made in increments as needed.

 

		●	Other conditions may be imposed by SBA pursuant to general
requirements of SBA.

 

		●	Disbursement may be withheld if, in SBA's sole discretion,
there has been an adverse change in Borrower's financial condition or in any other material fact represented in the Loan application,
or if Borrower fails to meet any of the terms or conditions of this Loan Authorization and Agreement.

 

		·	NO DISBURSEMENT WILL BE MADE LATER THAN 6 MONTHS FROM THE
DATE OF THIS LOAN AUTHORIZATION AND AGREEMENT UNLESS SBA, IN ITS SOLE DISCRETION, EXTENDS THIS DISBURSEMENT PERIOD.

 

    	SBA Form 1391 (5-00)
	Page 5 of 6	Ref 50 30

     

    

	SBA Loan #8237657409	Application #3600109668

 

PARTIES AFFECTED

 

		●	This Loan Authorization and Agreement will be binding upon
Borrower and Borrower's successors and assigns and will inure to the benefit of SBA and its successors and assigns.

 

RESOLUTION OF BOARD OF DIRECTORS

 

		●	Borrower shall, within 180 days of receiving any disbursement
of this Loan, submit the appropriate SBA Certificate and/or Resolution to the U.S. Small Business Administration, Office of Disaster
Assistance, 14925 Kingsport Rd, Fort Worth, TX. 76155.

 

ENFORCEABILITY

 

		●	This Loan Authorization and Agreement is legally binding,
enforceable and approved upon Borrower’s signature, the SBA’s approval and the Loan Proceeds being issued to Borrower by
a government issued check or by electronic debit of the Loan Proceeds to Borrower’ banking account provided by Borrower in application
for this Loan.

 

	 	/s/ James E. Rivera
	 	James E. Rivera 
	 	Associate Administrator
	 	U.S. Small Business Administration

 

The undersigned agree(s) to be bound by the terms and conditions herein
during the term of this Loan, and further agree(s) that no provision stated herein will be waived without prior written consent of SBA.
Under penalty of perjury of the United States of America, I hereby certify that I am authorized to apply for and obtain a disaster
loan on behalf of Borrower, in connection with the effects of the COVID-19 emergency.

 

	 	REVIV3 PROCARE COMPANY	 	 
	 	 	 	 
	 	/s/ Sasan Toghraie	 	Date: 	05.18.2020
	 	Sasan Toghraie, Owner/Officer	 	 	 

 

Note: Corporate Borrowers must execute Loan Authorization and
Agreement in corporate name, by a duly authorized officer. Partnership Borrowers must execute in firm name, together with signature of
a general partner. Limited Liability entities must execute in the entity name by the signature of the authorized managing person.

 

    	SBA Form 1391 (5-00)
	Page 6 of 6	Ref 50 30

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