Document:

Exhibit 10.7
                                  ------------

     ---------------------------------------------------
     555 West Arrow Highway                 909-624-2020
     Claremont, CA 91711 USA                909-338-2020
     ---------------------------------------------------
                                                                      BAUSCH
                               BAUSCH AND LOMB, INC.                  & LOMB
                               RENT TO OWN PROGRAM
--------------------------------------------------------------------------------
Customer:         Lasik America, Inc.                   Account Number: 146820
Address:          6644 Indian School Road NE
City, State Zip:  Albuquerque, NM 87110
Customer is a     /s/Corporation (corporation, partnership, sole proprietor)
                  --------------
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This Agreement is entered into by BAUSCH AND LOMB, a New York corporation, with
offices at 555 West Arrow Highway, Claremont California, 91711 (hereafter
referred to as "B&L"), and the Customer listed above (hereafter referred to as
"Customer").

Description of Program
Under the program, Customer leases the Equipment for a term of six (6) months or
longer. At the end of the lease, Customer has the option to purchase the B&L
equipment set forth in III.2. A portion of the rental paid by Customer will then
be credited toward Customer's payment of the Purchase Price, subject to the
limits set forth in III.4.

                                  SCHEDULE "A"
                                   EQUIPMENT*
--------------------------------------------------------------------------------
QTY.    PRODUCTS                                                     PRICES
 1      Hansatome (R) Microkeratome Unit                             $40,000.00
        VALUE OF EQUIPMENT INCLUDED HEREIN                           $40,000.00
--------------------------------------------------------------------------------
        507-0028 Accuglide Blades                                   $65.00 each
--------------------------------------------------------------------------------
*All references to Equipment in this Agreement refer to the Equipment as
described in Schedule "A" above.
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I.  Duties of Customer

1.  Subject to the terms and conditions of this Agreement, Customer agrees to
lease the Equipment from B&L for a period of six (6) months., commencing upon
                        ----                     ---
installation of the Equipment (the "Term").

2. Customer agrees to pay $1,800 per month to B&L as rental for the Equipment
(the "Rental"), payable at the above address, in arrears, on or before the
fifteenth (15th) day of the month following each month of the Term.

                                        1

<PAGE>

3. Customer agrees to pay any applicable state and local taxes on the leasing or
purchase of the Equipment, and any shipping/return shipping charges. Tax exempt
accounts will not be charged taxes.

4. Customer agrees to return the Equipment, at Customer's expense, at the end of
the Term in good condition and repair, ordinary wear and tear excepted.

5. Customer authorizes and appoints B&L, and its agents, as Customer's attorney
in fact, to execute and file, without Customer's involvement, any necessary
UCC-1 Financing Statements and continuation statements, acknowledging that the
Equipment listed in Schedule "A" is subject to a lease agreement between B&L and
Customer, in order to protect the lessor interest of B&L in the Equipment.

6. Customer agrees that, for the period of this Agreement set forth above,
Customer shall purchase all of its requirements for single-use disposable blades
for use with the Hansatome (R) Microkeratome from B&L. Customer shall order
Accuglide Blades at the price set forth in Schedule A. Accuglide (R) Blades
shall be ordered by Customer and sold by B&L, and the purchase price therefor,
in accordance with and subject to B&L's then current terms and conditions of
sale.

II. Duties of B&L

1.  B&L agrees to perform initial start-up and installation of the Equipment.

2.  B&L shall provide maintenance and repair service to the Equipment at its
expense during the Term of this Agreement.

III. Release of Obligation/Termination of Program

1. This program may be terminated at any time after six (6) months by either
party upon ninety (90) days prior written notice, given in accordance with IV.8.

2.  Upon termination of the Agreement or the end of the Term, Customer shall
have the following options:

    (i)  Purchase the B&L equipment for the purchase price stated in Schedule A;
         or
    (ii) return the Equipment to B&L ; or
    (iii)continue leasing the Equipment on a month-to-month basis, until
         terminated by either party upon ninety (90) days prior written notice.

3. Customer shall notify B&L no later than ninety (90) days prior to the end of
the Term which option Customer plans to exercise.

4. In the event that Customer shall elect the option to purchase the equipment
pursuant to Schedule A, B&L agrees to credit fifty percent (50%) of all Rentals
paid toward Customer's payment of the Purchase Price. B&L shall promptly notify
Customer by invoice of the balance due on the Purchase Price after applying the
Credit, and Customer shall pay the invoice within thirty (30) days of its
exercise of the option to purchase.

                                        2

<PAGE>

5. In the event that Customer shall fail to notify B&L of its election pursuant
to III.3, the Agreement will continue on a month-to-month basis until terminated
by either party upon ninety (90) days prior written notice.

6. In the event that Customer becomes a "debtor" in any proceeding under the
federal Bankruptcy Act or any state insolvency law, or makes an assignment for
the benefit of creditors, or is adjudicated bankrupt or insolvent, or admits in
writing Customer's inability to pay its debts as they mature, this leases shall
immediately terminate and the Equipment shall be returned to B&L. B&L shall have
all of the rights and remedies of a secured creditor which are permitted or
provided for under the Uniform Commercial Code, without the need of specifically
enumerating them in this Agreement, including, but not necessarily limited to,
the right to seize the Equipment without breach of peace.

IV. General Terms

1. This Agreement is not assignable by Customer to a third party without the
prior written consent of B&L. B&L may assign this Agreement to an affiliate or
successor upon written notice to Customer.

2. Title to the Equipment shall remain with B&L throughout the term of this
Agreement and Customer agrees to execute any documents requested by B&L to
evidence same.

3. This Agreement is not binding upon B&L until accepted and executed on behalf
of B&L at its office in Claremont, California.

4.  This Agreement shall be construed in accordance with and governed by New
York law.

5. This Agreement states the entire agreement of the parties with respect to the
subject matter hereof, and all oral agreements, understandings and
representations have been incorporated.

6. The prevailing party in any litigation brought under this Agreement shall be
entitled to recover, as part of its judgment against the other, its reasonable
attorneys' fees, costs and expenses.

7. Risk of loss to the Equipment is on Customer, and any such loss, damage or
destruction will not have the effect of discharging any obligation of Customer
under this Agreement.

8. Any notice hereunder will be in writing and will be effective when received
at the address set forth above or, if sent by first class mail to such address,
four (4) business days after deposit in the U.S. mails with postage prepaid.
Either party, by notice, may change its address for receiving notices hereunder.

9. It is agreed that the terms, conditions and discounts granted in this
Agreement are to remain confidential. They are not to be revealed to outside
physicians, hospitals, ambulatory surgery centers, groups, vendors, or other
outside resources unless required by law.

                                        3

<PAGE>
10. No failure or delay at any time by B&L to exercise any right hereunder, or
to enforce any particular provision hereof, will be construed or operate as a
waiver of its right to insist upon the strict performance of, or the enforcement
of its rights with respect to, such provisions(s) or any other provisions(s)
hereof at any time.

Agreed to and accepted by authorized representatives of both parties as of the
dates set forth below:

B&L                                      CUSTOMER:
BAUSCH AND LOMB                          Lasik America, Inc.

Signature:                               Signature: /s/ Howard Silverman
           ---------------------------              --------------------------

Print Name: Ron Esola                    Print Name:    Howard Silverman
           ---------------------------               -------------------------

Title: Director, Commercial Operations   Title:         CEO
      --------------------------------         -------------------------------

Date:                                       Date:       5/23/01
      --------------------------------           -----------------------------
Telepnone: 800-521-2020 extension 1454      Telephone:  505-837-2020
          ----------------------------                ------------------------

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This Agreement offer valid through:                              May 31, 2001
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                                        4Exhibit 10.8
                                  ------------

                        UNCONDITIONAL CONTINUING GUARANTY
                        ---------------------------------
                              (Security Agreement)
                               -------------------

Unconditional Continuing Guaranty (the "Guaranty") dated as of March 17, 1998,
                                                               --------------
by Dr. Howard Silverman (herein called the "Guarantor"), in favor of DVI
   --------------------
Financial Services Inc. (the "Secured party"). On a Joint and Several basis.

                                   WITNESSETH:

Recitals:
---------
      A.   Truevision Laser Center of Albuquerque, Inc. a New Mexico Corporation
           --------------------------------------------   ----------
      ("Debtor"), desires to enter into a Loan and Security Agreement dated as
      of March 17, 1998, Loan and Security Agreement Number 0001786 (the
         --------------
      "Security Agreement") pursuant to which it would finance certain
      collateral from the Secured Party. To induce Secured Party to enter into
      the Security Agreement, Guarantor has agreed to enter into the following
      guarantee.

      B.   All terms used herein and not otherwise defined shall have the
      respective meanings set forth or referred to in the Agreement.

      Accordingly, the Guarantor, for good and valuable consideration, the
      receipt and sufficiency of which are hereby acknowledged, hereby agrees as
      follows:

                                    SECTION 1
                                    GUARANTY
                                    --------
1.1   Obligations. The Guarantor hereby guarantees to the Secured Party that the
      -----------
      Debtor will pay when due, by acceleration or otherwise, all amounts from
      time to time payable by the Debtor under the Security Agreement and
      promptly and fully perform or comply with each of the Debtor's other
      agreements and obligations contained in the Security Agreement to be
      performed or complied with, all in accordance with the terms thereof
      including all of the obligations arising under each and every Loan and
      Collateral Schedule entered into in connection therewith, and together
      with all other obligations of Debtor to Secured Party arising under each
      and every other Security Agreement, loan and collateral schedule,
      equipment lease, equipment schedule, note, instruments, agreement, or
      otherwise between Debtor and Secured party (the obligations of the Debtor
      so guaranteed being herein called the "Guaranteed Obligations"), and
      agrees that if the Debtor for any reason whatsoever shall fail to pay or

                                    10.8 - 1
<PAGE>
      perform when due, by acceleration or otherwise, any of the Guaranteed
      Obligations, the Guarantor will pay or cause to be performed the same
      forthwith. Guarantor's liability under this Guaranty for any defaulted
      Guaranteed Obligations shall not exceed the sum of $105,000.00; however,
      it is agreed that said $105,000.00 limitation shall not apply to interest
      costs and attorneys' fees No payments received by the Secured Party, from
      any source, shall reduce Guarantor's liability under this Guaranty until:
      (a) Secured Party has declared Debtor in default under the Agreement or
      (b) Guarantor has informed Secured Party in writing that Debtor is in
      default under the Agreement and that Guarantor is tendering payment under
      this Guaranty.

      1.2    Binding Effect. The Guarantor agrees that its obligations hereunder
             --------------
are absolute and unconditional, and shall be binding upon the Guarantor and its
successors and assigns, and are irrevocable without regard to the genuineness,
validity, legality or enforceability of the Security Agreement or the lack of
power or authority of the Debtor to enter into the Security Agreement or any
substitution, release or exchange of any other guaranty of or any security for
any of the Guaranteed Obligations or any other circumstances (other than payment
or performance) which might otherwise constitute a legal or equitable discharge
of a surety or guarantor and shall not be subject to any right of set-off or
counterclaim and are in no way conditioned upon any attempt to enforce
performance or compliance by the Debtor or any other event or contingency.

      The Guarantor agrees that it shall not be necessary, as a condition to
enforce this Guaranty, that suit be first instituted against Debtor or that any
rights or remedies against Debtor be first exhausted. It being understood and
agreed that the liability of the Guarantor hereunder shall be primary, direct,
and in all respects unconditional.

The Guarantor agrees that, if at any time all or any part of any payment
previously applied by the Secured Party to any of the Guaranteed Obligations
must be returned by the Secured Party for any reason, whether by court order,
administrative order, or settlement, the Guarantor remains liable for the full
amount returned as if such amount had never been received by the Secured Party,
notwithstanding any termination of this Guaranty or the cancellation of the
Security Agreement or any other agreement evidencing the Guaranteed Obligations
of the Debtor. Secured Party may, at Secured Party's election, foreclose on any
security held by Secured Party be one or more judicial or non-judicial sales,
whether or not every aspect f such sales are commercially reasonable or exercise
any other right or remedy Secured Party may have against Debtor, or any
security, without affecting or impairing in any way the liability of Guarantor.
Guarantor waives any defense arising out of any such election by Secured Party,
even though such election operates to impair or extinguish any right of
reimbursement, subrogation or other right or remedy of Secured Party against
Debtor or any security. In the absence of agreeing to the waivers contained in
the subsection 1.2, Guarantor may have the right of subrogation or reimbursement
against Debtor. For example, if Secured Party elects to foreclose, by
non-judicial sale, any deeds of trust securing any indebtedness of Debtor to
Secured Party, causing Guarantor to lose any such rights or create defenses to
enforcement of this Guaranty, Guarantor gives up any such potential defenses by
agreeing to these waivers.
         The Guarantor hereby acknowledges that some or all of the Guaranteed
Obligations of Debtor to Secured Party may be secured by personal property.
Guarantor hereby expressly waives any defenses or benefits available to

                                    10.8 - 2
<PAGE>
Guarantor as a result of the exercise by Secured Party of non-judicial or
judicial remedies against any Debtor or any Debtor's personal property,
including, without limitation, those arising under Sections 580d and 726 of the
California Code of Civil Procedures and/or any similar law in any other
jurisdiction, and further expressly waives any defenses or benefits arising out
of Debtor or against such personal property.

         This Guaranty remains fully enforceable irrespective of any defenses
which the Debtor may assert under the Security Agreement, including but not
limited to failure of consideration, breach of warranty, payment, statute of
frauds, statute of limitations, accord and satisfaction, and usury.

      1.3   Liability of Guarantor. Without limiting the generality of the
            -----------------------
foregoing, it is agreed that the occurrence of any one or more of the following
shall not affect the liability of the Guarantor hereunder:

      a.   new agreements or obligations of Debtor with or to Secured Party;
           amendments, extensions, modification, renewals or waivers of default
           as to any existing or future agreements or obligations of Debtor or
           third parties 3with or to Secured party or extensions of credit by
           Secured Party to Debtor;

      b.   adjustments, compromises or releases of any obligations to Debtor,
           Guarantor or other parties, or exchanges, releases of sales of any
           security of Debtor, Guarantor or other parties;

      c.   fictitiousness, incorrectness, invalidity or unenforceability, for
           any reason, of any instrument or writing, or acts of commission or
           omission by Secured Party or Debtor;

      d.   compositions, extensions, moratoria or other relief granted to Debtor
           pursuant to any statute presently in force or hereafter enacted;

      e.   interruptions in the business relations between Secured Party and
           Debtor;

      f.   any other guaranty of the Guaranteed Obligations or any security
           therefore may be released or exchanged in whole or in part or
           otherwise dealt with. The Guarantor hereby expressly waives
           acceptance, diligence, presentment, demand of payment, protest and
           all notices whatsoever (whether of acceptance, maturity, nonpayment,
           extension of time, acceptance of security, composition or agreement
           arrived at as to the amount or terms of the Guaranteed Obligations or
           otherwise) and any requirement to proceed against the Debtor or any
           security for, or any other guarantor of, any of the Guaranteed
           Obligations, or exercise any other right or remedy against the Debtor
           or any other person. The failure of any person to sign this or a
           similar guaranty shall not affect the liability hereunder of the
           Guarantor.

      g.   Guarantor hereby expressly waives (1) surrender, release, exchange,
           substitution, dealing with or taking any additional collateral, (2)
           abstaining from taking advantage of or realizing upon any security
           interest or other guaranty, and (3) any impairment of collateral
           including, but not limited to, failure to perfect a security interest
           in the collateral; or
                                    10.8 - 3
<PAGE>
      h.   Without in any limiting the foregoing, the Guarantor hereby waives
           any other act or omission of the Secured Party (except acts or
           omissions in bad faith) which changes the scope of the Guarantor's
           risk.

      1.4   Subrogation Rights. Guarantor hereby waives any right of
            -------------------
subrogation, contribution, indemnity, reimbursement, recourse to assets of
Debtor, and any other suretyship rights and claims, whether direct, indirect,
liquidated or contingent, which Guarantor has or may have as against Debtor with
respect to the Guaranteed Obligations. Guarantor agrees that in light of the
immediately foregoing waivers, the execution of this Guaranty shall not be
deemed to make Guarantor a "creditor" of Debtor, and that for purposes of
Sections 547 and 550 of the Bankruptcy Code, Guarantor shall not be deemed a
"creditor" of Debtor.

      1.5   Financial Information. The Guarantor will furnish the Secured Party
            ---------------------
during the term of the Security Agreement with its annual audited financial
statements promptly after they become available and in any event within 120 days
after the end of its fiscal year and with such other financial information and
reports, including reports filed with Federal or state regulatory agencies, as
the Secured Party may reasonably request.

      The Guarantor warrants to the Secured Party that the Guarantor has
adequate means to obtain from the Debtor on a continuing basis information
concerning the financial condition of the Debtor and that the Guarantor is not
relying on the Secured Party to provide such information either now or in the
future.

                                    SECTION 2
                       LIQUIDATION AND CHANGE IN STRUCTURE
                       -----------------------------------
      2.1   Liquidation and Reorganization. Unless the Guarantor is an
            -------------------------------
individual, the Guarantor shall not, during the Security Agreement Term, unless
the Secured Party shall otherwise consent in writing, wind up, dissolve or
otherwise terminate its corporate existence, or consolidate with or merge with
or into, or sell, lease or otherwise transfer all or substantially all of its
assets to, any entity unless:

      a.   the entity formed by a consolidation or with or into which the
           Guarantor is merged or the entity that acquires all or substantially
           all of the assets of the Guarantor, as the case may be, shall be a
           corporation organized and existing under the laws of the United
           States of America or any state thereof; and

      b.   such entity shall expressly assume the obligations of the Guarantor
           under this Guaranty in a written instrument duly authorized, executed
           and delivered to the Secured Party; and

      c.   such entity shall have, immediately after the consolidation, merger,
           transfer or lease, a net worth not less than the new worth of the
           Guarantor, and a debt to net worth ration not greater than that of
           the Guarantor, in each case in accordance with generally accepted

                                    10.8 - 4
<PAGE>
           accounting principles and measured with respect to the Guarantor
           immediately before the consolidation merger, transfer or lease; and

      d.   immediately after the consolidation, merger, transfer or lease, no
           Default or Event of Default shall have occurred and be continuing;
           and

      e.   the Guarantor shall notify the Secured Party in writing at least ten
           (10) calendar days before the consolidation, merger, transfer or
           lease.

      2.2  Change in Structure.  This Guaranty shall be effective regardless of
           --------------------
 the subsequent reorganization, merger or consolidation of the Debtor or any
other change in its composition, nature, personnel or location.

                                   SECTION 3
                                 MISCELLANEOUS
                                 -------------

      3.1  No Waiver. No failure on the part of the Secured Party to exercise,
           ---------
no delay in exercising, and no course of dealing with respect to, any right or
remedy hereunder will operate as a waiver thereof; nor will any single or
partial exercise of any right or remedy hereunder preclude any other further
exercise of any other right or remedy.  This Guaranty may not be amended or
modified except by written agreement of the Guarantor and the Secured Party.

      3.2  Entire Agreement. This writing is intended by the parties as a final
           -----------------
expression of this Guaraanty and is also intended as a complete and exclusive
statement of the terms of the Guaranty.  No course of dealing, course of
performance or trade usage, and no parol evidence of any nature, shall be used
to supplement or modify any terms.  Nor are there any conditions to the full
effectiveness of this Guaranty.

      3.3  Notices.  All notices required under the terms and provisions hereof
           --------
shall be in writing or be tested or otherwise authenticated telex, telegram or
cable and shall be deemed to have been duly given or made when deposited in the
United States mail, with proper postage for first-class mail prepaid,
transmitted by telex or delivered to the telegraph office (a) if to the
Guarantor, addressed to 445 G Street, San Diego, CA 92101 Attention: Dr.
                        ---------------------------------            ---
Silverman (b) if to the Secured Party, addressed to DVI Financial Services Inc.
---------
500 Hyde Park, Doylestown, Pennsylvania 18901.

      3.4  GOVERNING LAW.  THIS GUARANTY WILL BE GOVERNED BY AND CONSTRUED IN
           --------------
ACCORDANCE WITH THE LAWS OF THE COMMONWEALTH OF PENNSYLVANIA, WITHOUT GIVING
EFFECT TO CONFLICTS OF LAW PRINCIPLES.  GUARANTOR HEREBY WAIVES THE RIGHT TO
TRIAL BY JURY OF ANY MATTERS ARISING OUT OT THE GUARANTEED OBLIGATIONS OR THE
CONDUCT OF THE RELATIONSHIP BETWEEN SECURED PARTY AND THE GUARANTOR OR SECURED
PARTY AND THE DEBTOR.

                                    10.8 - 5
<PAGE>
      3.5  Submission to Jurisdiction. (a) Guarantor hereby irrevocably submits
           ---------------------------
in the Eastern District of Pennsylvania or any Commonwealth of Pennsylvania
court, over any action or proceeding arising out of or relating to this
Guaranty.  Guarantor hereby agrees that service of copies of summons and
complaints and any other process which may be served in any action or proceeding
arising hereunder may be made by mailing or delivering a copy of such process by
Registered or Certified mail, postage prepaid, to Guarantor at its address set
forth at the beginning of this agreement. (b) Nothing in the Paragraph 3.5 shall
affect the right of Secured Party to serve legal process in any other manner
permitted by law or affect the right of Secured Party to bring any action or
proceeding against Guarantor or any of its properties in the courts of other
jurisdictions to the extent permitted by law.
      3.6  Severability.  If any term of this Guaranty and any other application
           -------------
thereof shall be invalid or unenforceable, the remainder of the Guaranty and any
other application of such terms shall not be affected thereby.
      3.7  Successor and Assigns.  Guarantor shall not assign this Guaranty
           ----------------------
without the prior written consent of Secured Party.  This Guaranty shall be
binding upon the successors and assigns of the Guarantor.  Secured Party may,
without notice to Guarantor, assign this Guaranty in whole or in part.  As used
herein, the term "Secured Party" includes the Secured Part and any successor or
assignee of the Secured Party.

      3.8  Attorney's Fees.  Guarantor shall pay to Secured Party, on demand,
           ----------------
all costs and expenses incurred by Secured Party in connection with the
enforcement of this Guaranty including, without limitation, attorney's fees.

      IN WITNESS WHEREOF, the Guarantor has caused this Guaranty to be duly
executed and delivered as to the date first set forth herein.

ATTEST/WITNESS                 "GUARANTOR"

-------------------------      Howard Silverman, M.D. /s/Howard P. Silverman

-------------------------      By: /s/ Signature of Guarantor
(Print Name)                      ---------------------------
                               (Signature of Guarantor)

State of New York         )
County of Kings/New York  )ss.

On April 7, 1998, before me, the undersigned, a notary public
   -------------
in and for said State, personally appeared Howard Silverman,
                                           ----------------
known to me (or proved to me on the basis of satisfactory
evidence) to be person(s) whose name(s) is/are subscribed to
the within instrument and acknowledged to me that he/she/they
executed the same in his/her/their authorized capacity(ies),
and that by his/her/their signature(s) on the instrument the
person(s), or the entity upon behalf of which the person(s)
acted, executed the instrument.

                                    10.8 - 6
<PAGE>
WITNESS my hand and official seal             DANNY CHIN
Signature/s/ Danny Chin (SEAL)      Notary Public, State of New York
         ---------------                    No. 4988776
         NOTARY PUBLIC                 Qualified in Kings County
                                   Commission Expires November 18, 1999
DVI:5010-1 (9/88)(7/91)(01/93)(08/94)(5/96)

                              PAY PROCEEDS LETTER
                              -------------------
                  Truevision Laser Center of Albuquerque, Inc.
                                  445 G Street
                              San Diego, CA 92101
DVI Financial Services Inc.
500 Hyde Park
Doylestown, PA 18901

Gentlemen:

In accordance with the terms and provisions of a Loan and Security Agreement and
Loan and Collateral Schedule No. 001 ("Schedule") dated March 17, 1998, between
                                 ---                    --------------
DVI Financial Services Inc. ("DVI") as Secured Party and the undersigned as
Debtor, covering the following equipment:

                               VISX EXCIMER LASER

, TOGETHER WITH ALL PARTS, ACCESSORIES, ATTACHEMENTS, ACCESSIONS, ADDITIONS,
REPLACEMENTS, AND SUBSTITUTIONS THERETO AND THEREFOR, the undersigned hereby
authorizes DVI to disburse the proceeds of $350,000.00 of said Schedule in the
                                           -----------
following manner:

1.       330,000.00        to TVLC Finance, Inc.
          20,000.00           VISX, Inc.

Please indicate your agreement with the foregoing by signing in the space
provided below.

Very truly yours,

Truevision Laser Center of Albuquerque, Inc.
--------------------------------------------
   (Debtor)

BY: /s/ President
   --------------------
TITLE: President
      -----------------

AGREED AND ACCEPTED BY:
DVI Financial Services Inc.

BY: /s/ Joseph Malott
   --------------------
TITLE: Joseph F. Malott
     ------------------
         Director
      Credit/Documentation

Recproceeds ltr.

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