Document:

EXHIBIT
      10.6

    

    CURATECH
      INDUSTRIES, INC.

    6337
      Highland Drive, #1053

    Salt
      Lake City, Utah 84121

    

    January
      5, 2007

     

     

    R.
      Gordon
      Jones

    1393
      North Bennett Circle

    Farmington,
      Utah 84025

    

    
      	
            	Re:	
              Agreement
                to Accept CuraTech Industries, Inc. Common

              Stock
                as Payment for Consulting Services
                Rendered

            

    

     

    

    Dear
      Mr.
      Jones:

    

    This
      letter will confirm your agreement to accept 20,000 shares of CuraTech
      Industries, Inc. common stock, to be registered on a Form S-8 registration
      statement, for accounting and/or other consulting services rendered by you
      to
      CuraTech Industries, Inc. (“CuraTech”). 

    

    The
      consulting services you have provided to CuraTech are primarily accounting
      services you have provided in connection with preparing CuraTech’s accounting
      materials and information to be audited in connection with CuraTech’s annual
      audits of its financial statements, and also to be reviewed in connection with
      the quarterly reviews of CuraTech’s financial statements. The issuance of these
      20,000 shares of CuraTech common stock shall be to compensate you in full for
      all past accounting and/or other consulting services. 

    

    This
      letter will confirm that you have provided bona fide accounting and other
      consulting services to CuraTech, and that the services you have provided to
      CuraTech, for which you are receiving shares of CuraTech common stock, are
      not
      services
      in connection with the offer or sale of CuraTech’s securities in a capital
      raising transaction or services to directly or indirectly promote or maintain
      a
      market for CuraTech’s securities.

    

    If
      this
      letter correctly reflects the agreement between CuraTech Industries, Inc. and
      you, please sign below acknowledging your agreement, and return the signed
      original of this letter to CuraTech Industries, Inc.

    

    Sincerely,

    CURATECH
      INDUSTRIES, INC.

    

    By
      /s/
      Lincoln Dastrup____________________

    Lincoln
      Dastrup, CEO

     

     

    
      
         

      

      
         

        
          

        

      

      
         

      

    

    ACCEPTANCE

    

    I,
      R.
      Gordon Jones , hereby agree to accept 20,000 shares of CuraTech common stock
      as
      compensation for all past accounting and consulting services which I have
      provided to CuraTech. I hereby represent and warrant to CuraTech that the
      services which I have provided to CuraTech, for which I am receiving shares
      of
      CuraTech common stock, are not
      services
      in connection with the offer or sale of CuraTech’s securities in a capital
      raising transaction or services to directly or indirectly promote or maintain
      a
      market for CuraTech’s securities.

    

    

    
      	
              January
                5, 2007

            	
              /s/
                R. Gordon
                Jones                             
                

            
	 	
              R.
                Gordon JonesEXHIBIT
      10.7

    

    CURATECH
      INDUSTRIES, INC.

    6337
      Highland Drive, #1053

    Salt
      Lake City, Utah 84121

    

    January
      5, 2007

     

     

    Lane
      S.
      Clissold

    3270
      South 1100 West

    South
      Salt Lake, Utah 84119

    

    
      	
            	Re:	
              Agreement
                to Accept CuraTech Industries, Inc. Common

              Stock
                as Payment for Consulting Services
                Rendered

            

    

     

    

    Dear
      Mr.
      Clissold:

    

    This
      letter will confirm your agreement to accept 140,000 shares of CuraTech
      Industries, Inc. common stock, to be registered on a Form S-8 registration
      statement, for a one time bonus for past services as an officer, director and
      employee of CuraTech Industries, Inc. (“CuraTech”) rendered by you to CuraTech.

    

    The
      issuance of these 140,000 shares of CuraTech common stock shall be to compensate
      you in full for all past services. 

    

    This
      letter will confirm that you have provided bona fide consulting services to
      CuraTech, and that the services you have provided to CuraTech, for which you
      are
      receiving shares of CuraTech common stock, are not
      services
      in connection with the offer or sale of CuraTech’s securities in a capital
      raising transaction or services to directly or indirectly promote or maintain
      a
      market for CuraTech’s securities.

    

    If
      this
      letter correctly reflects the agreement between CuraTech Industries, Inc. and
      you, please sign below acknowledging your agreement, and return the signed
      original of this letter to CuraTech Industries, Inc.

    

    Sincerely,

    CURATECH
      INDUSTRIES, INC.

    

    By
      /s/
      Lincoln Dastrup___________________

    Lincoln
      Dastrup, CEO

    
      
         

      

      
         

        
          

        

      

      
         

      

    

    ACCEPTANCE

    

    I,
      Lane
      S. Clissold, hereby agree to accept 140,000 shares of CuraTech common stock
      as
      compensation for all past accounting and consulting services which I have
      provided to CuraTech. I hereby represent and warrant to CuraTech that the
      services which I have provided to CuraTech, for which I am receiving shares
      of
      CuraTech common stock, are not
      services
      in connection with the offer or sale of CuraTech’s securities in a capital
      raising transaction or services to directly or indirectly promote or maintain
      a
      market for CuraTech’s securities.

    

    

    
      	
              January
                5, 2007

            	
              /s/
                Lane S.
                Clissold                           
                

            
	 	
              Lane
                S. ClissoldEXHIBIT
      10.8

    

    CURATECH
      INDUSTRIES, INC.

    3270
      South 1100 West

    South
      Salt Lake, Utah 84119

    

    January
      5, 2007

    

    Steven
      D.
      Moulton

    3270
      South 1100 West

    South
      Salt Lake, Utah 84119

    

    
      	
            	Re:	
              Agreement
                to Accept CuraTech Industries, Inc. Common

              Stock
                as Payment for Consulting Services
                Rendered

            

    

     

    

    Dear
      Mr.
      Moulton:

    

    This
      letter will confirm your agreement to accept 205,000 shares of CuraTech
      Industries, Inc. common stock, to be registered on a Form S-8 registration
      statement, for a one time bonus for past services as an officer, director and
      employee of CuraTech Industries, Inc. (“CuraTech”) rendered by you to CuraTech.

    

    The
      issuance of these 205,000 shares of CuraTech common stock shall be to compensate
      you in full for all past services. 

    

    This
      letter will confirm that you have provided bona fide consulting services to
      CuraTech, and that the services you have provided to CuraTech, for which you
      are
      receiving shares of CuraTech common stock, are not
      services
      in connection with the offer or sale of CuraTech’s securities in a capital
      raising transaction or services to directly or indirectly promote or maintain
      a
      market for CuraTech’s securities.

    

    If
      this
      letter correctly reflects the agreement between CuraTech Industries, Inc. and
      you, please sign below acknowledging your agreement, and return the signed
      original of this letter to CuraTech Industries, Inc.

    

    Sincerely,

    CURATECH
      INDUSTRIES, INC.

    

    By
      /s/
      Lincoln Dastrup____________________

    Lincoln
      Dastrup, CEO

    
      
         

      

      
         

        
          

        

      

      
         

      

    

    ACCEPTANCE

    

    I,
      Steven
      D. Moulton, hereby agree to accept 205,000 shares of CuraTech common stock
      as
      compensation for all past accounting and consulting services which I have
      provided to CuraTech. I hereby represent and warrant to CuraTech that the
      services which I have provided to CuraTech, for which I am receiving shares
      of
      CuraTech common stock, are not
      services
      in connection with the offer or sale of CuraTech’s securities in a capital
      raising transaction or services to directly or indirectly promote or maintain
      a
      market for CuraTech’s securities.

    

    

    
      	
              January
                5, 2007

            	
              /s/
                Steven D.
                Moulton                            
                

            
	 	
              Steven
                D. MoultonUnassociated Document

     

    TERM
      NOTE

    First
      Niagara Bank

     

     

    
      	Albany, New York 	 	
              January
                22,
                2007

            

    

     

    1.
      DEFINITIONS. For
      purposes of this Note:

    

    a.
      Borrower. The
      “Borrower” means
      American Bio Medica Corporation, a New York Corporation
      having
      its chief executive office at 122 Smith Road, Kinderhook, NY 12106.

    

    b.
      Collateral. “Collateral”
      means any collateral, subordination, guaranty, endorsement or other security
      or
      assurance of payment, whether now existing or hereafter arising or accruing,
      that now or hereafter secures the payment of or is otherwise applicable to
      any
      of the Outstanding Principal Amount or any interest or other amount payable
      pursuant to this Note and remaining unpaid.

    

    c.
      Event of Default. An
“Event
      of Default” occurs or exists if (i) the Borrower defaults in the payment when
      due of any of the Original Principal Amount or any interest or other amount
      payable pursuant to this Note, (ii) the Borrower or any Other Obligor defaults
      in the performance when due, whether by acceleration or otherwise, of any
      obligation (including, but not limited to, any obligation to pay any money,
      whether for any principal, interest, fee, charge, cost or expense or otherwise),
      whether now existing or hereafter arising or accruing, to the Holder or any
      other Person, the maturity of any such obligation is accelerated or there occurs
      or exists any event or condition that, whether immediately or after notice,
      lapse of time or both notice and lapse of time and whether or not waived, would
      constitute a default with respect to or permit the acceleration of the maturity
      of any such obligation, (iii) the Borrower or any Other Obligor is dissolved,
      ceases to exist, participates or agrees to participate in any merger,
      consolidation or other absorption, assigns or otherwise transfers or disposes
      of
      all or substantially all of his, her or its assets, makes or permits what might
      be a fraudulent transfer or fraudulent conveyance of any of his, her or its
      assets, makes any bulk sale, sends any notice of any intended bulk sale, dies,
      becomes incompetent or insolvent (however such insolvency is evidenced),
      generally fails to pay his, her or its debts as they become due, fails to pay,
      withhold or collect any tax as required by applicable law, suspends or ceases
      his, her or its business or has served, filed or recorded against him, her
      or it
      or any of his, her or its assets any judgment, order or award of any court,
      other governmental authority or arbitrator or any lien, (iv) the Borrower or
      any
      Other Obligor has any receiver, trustee, custodian or similar Person for him,
      her or it or any of his, her or its assets appointed (whether with or without
      his, her or its consent), makes any assignment for the benefit of creditors
      or
      commences or has commenced against him, her or it any bankruptcy or insolvency
      proceeding or any formal or informal proceeding for the dissolution, liquidation
      or winding up of the affairs of or the settlement of claims against him, her
      or
      it, (v) any representation or warranty heretofore made to the Lender or
      hereafter made to the Holder, or any financial statement heretofore provided
      to
      the Lender or hereafter provided to the Holder, by or on behalf of the Borrower
      or any Other Obligor proves, as of the date thereof, to have been incorrect
      or
      misleading in any material respect or before the execution and delivery to
      the
      Lender by the Borrower of this Note there occurred and was not disclosed to
      the
      Lender any material adverse change in any information disclosed in any such
      representation or warranty heretofore so made or any financial statement
      heretofore so provided, (vi) there occurs any change in the management of,
      or
      the beneficial ownership of any stock of or other ownership interest in, the
      Borrower that is, in the opinion of the Holder, materially adverse to its
      interest and is not corrected to its full satisfaction within 30 days after
      it
      gives to the Borrower a notice that it considers such change materially adverse
      to its interest or (vii) the Holder deems itself insecure with respect to the
      Outstanding Principal Amount or any interest or other amount payable pursuant
      to
      this Note or is of the opinion that any Collateral is not sufficient or has
      declined or may decline in value, whether or not the Holder
      has sought any additional Collateral from the Borrower or any Other
      Obligor.

    

    d.
      Holder.
      The
“Holder” means the Lender or any transferee of this Note.

    

    
      
         

      

      
        1

        
          

        

      

      
         

      

    

    e.
      Lender.
      The
“Lender” means First Niagara Bank, a federally chartered financial institution
      having its chief executive office at P.O. Box 514, 6950 South Transit Road,
      Lockport, New York 14095-0514.

    

    f.
      Original Principal Amount. The
      “Original Principal Amount” means $538,900.00

    

    g.
      Other Obligor.“Other
      Obligor” means, other than the Borrower, any Person (i) who or that is now or
      hereafter liable, whether directly or indirectly or absolutely or contingently,
      for the payment of any of the Outstanding Principal Amount or any interest
      or
      other amount payable pursuant to this Note or (ii) any asset of whom or which
      now or hereafter directly or indirectly secures the payment of any of the
      Outstanding Principal Amount or any such interest or other amount. 

    

    h.
      Outstanding Principal Amount.
      The
“Outstanding Principal Amount” means the outstanding principal amount of this
      Note.

    

    i.
      Person.“Person”
      means (i) any individual, corporation, partnership, limited liability company,
      joint venture, trust or unincorporated association, (ii) any court or other
      governmental authority or (iii) any other entity, body, organization or
      group.

    j.
      Prime Rate.
      The
“Prime Rate” means, for any day, the rate identified by the Holder as its prime
      rate for such day.

    

    k.
      Rate Adjustment Date. The
“Rate
      Adjustment Date” means ----------------------,
      -------.

    

    l.
      Treasury Bill Rate.
      The
“Treasury Bill Rate” means (i) the most recent rate of the yield on United
      States Treasury obligations adjusted to a constant maturity rate of --------
      years
      reported by The Wall Street Journal in its table entitled “Key Interest Rates”
(or otherwise if it stops publishing that table) two business days of the Holder
      prior to the Rate Adjustment Date or, if it does not so report such rate two
      business days of the Holder prior to the Rate Adjustment Date, the most recent
      day prior thereto that it so reported such rate or (ii) if The Wall Street
      Journal does not so report such rate, such rate as determined by the Holder
      in
      the sole discretion of the Holder.

    

    2.
      PROMISE TO PAY.
      For
      value received, the Borrower promises to pay to the order of the Lender in
      lawful money of the United States and immediately available funds at any of
      the
      banking offices of First Niagara Bank:

    

    a.
      The
      Original Principal Amount and interest as described in Section 3 of this Note
      by
      paying the installments described in Section 4 of this Note;

    b.
      If any
      of the Original Principal Amount or any interest or other amount payable
      pursuant to this Note is not paid by the date it becomes due, whether by
      acceleration or otherwise, on demand by the Holder, a late charge of 5.00%
      and

    c.
      On demand by the Holder, each cost and expense (including, but not limited
      to,
      the reasonable fees and disbursements of counsel, whether retained for advice,
      litigation or any other purpose) incurred by the Holder in endeavoring to (i)
      collect any of the Outstanding Principal Amount or any interest or other amount
      payable pursuant to this Note, (ii) preserve or exercise any right or remedy
      of
      the Holder pursuant to this Note or (iii) preserve or exercise any right or
      remedy of the Holder relating to, enforce or realize upon any Collateral.

     

    3.
      INTEREST.
      The
      Borrower shall pay interest, calculated on the basis of a 360-day year for
      the
      actual number of days of each year (365 or 366, as applicable), on the
      Outstanding Principal Amount from and including the date of this Note to but
      not
      including the date the Outstanding Principal Amount is paid in full at a rate
      that shall (a) on each day prior to the maturity, whether by acceleration or
      otherwise, of the Outstanding Principal Amount be 7.17%FIXED and (b) on each
      day
      on or after the last day described in clause (a) of this sentence be the total
      of (i) 6% and (ii) the rate in effect such day as the Prime Rate (provided,
      however, that (I) in no event shall such interest be payable at a rate in excess
      of the maximum rate permitted by applicable law and (II) solely to the extent
      necessary to result in such interest not being payable at a rate in excess
      of
      such maximum rate, any amount that would be treated as part of such interest
      under a final judicial interpretation of applicable law shall be deemed to
      have
      been a mistake and automatically canceled, and, if received by the Holder,
      shall
      be refunded to the Borrower, it being the intention of the Lender and the
      Borrower that such interest not be payable at a rate in excess of such maximum
      rate).

    

    
      
         

      

      
        2

        
          

        

      

      
         

      

    

    4.
      PAYMENTS.
      The
      Borrower shall pay the Original Principal Amount and interest described in
      Section 3 of this Note as follows: 

    

    The
      Borrower shall pay the Original Principal Amount and such interest in
60
      installments of $10,714.14 each,
      with the first of such installments to become due on February
      1, 2007,
      and one
      of such installments shall become due on the same day of each succeeding
      calendar month through January
      1, 2012,
      when
      the Borrower shall pay to the Holder the Outstanding Principal Amount and all
      interest and other amounts payable pursuant to this Note and remaining
      unpaid.

    

    5.
      PREPAYMENT.
      The
      Borrower shall have the option of prepaying the Original Principal Amount to
      the
      Holder in full or part at any time and from time to time without
      penalty.

    

    6.
      AMOUNTS IMMEDIATELY DUE.
      Upon or
      at any time or from time to time after the occurrence or existence of any Event
      of Default other than, with respect to the Borrower, an Event of Default
      described in clause (iv) of the definition of Event of Default set forth in
      Section 1c of this Note, the Outstanding Principal Amount and all interest
      and
      other amounts payable pursuant to this Note and remaining unpaid shall, at
      the
      sole option of the Holder and without any notice, demand, presentment or protest
      of any kind (each of which is knowingly, voluntarily, intentionally and
      irrevocably waived by the Borrower), become immediately due. Upon the occurrence
      or existence of, with respect to the Borrower, any Event of Default described
      in
      such clause (iv), the Outstanding Principal Amount and all such interest and
      other amounts shall, without any notice, demand, presentment or protest of
      any
      kind (each of which is knowingly, voluntarily, intentionally and irrevocably
      waived by the Borrower), automatically become immediately due. 

    7.
      CROSS-DEFAULT.
      The
      Borrower and Guarantor hereby covenant and agree that any event constituting
      a
      default in the terms, covenants and conditions of any Notes, Mortgages,
      agreements or other obligations given to the Lender, or a default in the terms,
      covenants and conditions of any Notes, Mortgages, agreements or other
      obligations given to another Lender and secured by Collateral pledged to the
      Lender herein (including both real and personal property) shall be considered
      a
      default of the terms, covenants and conditions of this Note, and the Lender
      may
      take whatever action it deems necessary pursuant to said default. Furthermore,
      a
      default in the terms, covenants and/or conditions of this Note shall constitute
      a default in the terms, covenants and conditions of any other Notes, Mortgages,
      agreements or other obligations given by the Borrower or Guarantor to the
      Lender.

    

    8.
      RIGHT OF SETOFF.
      The
      Lender, in addition to any right available to it under applicable law, shall
      have the right, immediately and without notice or further action by it, to
      setoff against this Note and/or other liabilities of the Borrower hereof, all
      money owed by the Lender to the Borrower in any capacity, whether by savings
      account, checking account, Certificate of Deposit or otherwise; and the Lender
      shall be deemed to have exercised such right of setoff and to have made charge
      against any such money immediately upon the occurrence of default, even though
      such charge is made or entered on the books of the Lender subsequent
      thereto.

    

    9.
      GOVERNING LAW.
      This
      Note shall be governed by and construed, interpreted and enforced in accordance
      with the law of the State of New York and the federal law of the United States
      without regard to the law of any other jurisdiction.

    

    
      
         

      

      
        3

        
          

        

      

      
         

      

    

    10.
      WAIVER OF TRIAL BY JURY AND CLAIMS TO CERTAIN DAMAGES. THE BORROWER KNOWINGLY,
      VOLUNTARILY, INTENTIONALLY AND IRREVOCABLY WAIVES EACH RIGHT THE BORROWER MAY
      HAVE TO A TRIAL BY JURY WITH RESPECT TO, AND EACH RIGHT TO ASSERT ANY CLAIM
      FOR
      DAMAGES (INCLUDING, BUT NOT LIMITED TO, PUNITIVE DAMAGES) IN ADDITION TO ACTUAL
      DAMAGES IN, ANY ACTION OR OTHER LEGAL PROCEEDING, WHETHER BASED ON ANY CONTRACT
      OR NEGLIGENT, INTENTIONAL OR OTHER TORT OR OTHERWISE, ARISING OUT OF OR
      OTHERWISE RELATING TO (a) THE LOAN IN CONNECTION WITH WHICH THIS NOTE IS BEING
      EXECUTED AND DELIVERED, ANY COLLATERAL, THIS NOTE OR ANY OTHER WRITING
      HERETOFORE OR HEREAFTER EXECUTED IN CONNECTION WITH SUCH LOAN OR ANY COLLATERAL,
      (b) ANY TRANSACTION ARISING OUT OF OR OTHERWISE RELATING TO SUCH LOAN, ANY
      COLLATERAL, THIS NOTE OR ANY SUCH OTHER WRITING OR (c) ANY NEGOTIATION,
      ADMINISTRATION, PERFORMANCE OR ENFORCEMENT OF SUCH LOAN, ANY COLLATERAL, THIS
      NOTE OR ANY SUCH OTHER WRITING.

      

    American
      Bio Medica Corporation

    

    

    By:
       /s/
      Stan Cipkowski   

    

    Printed
      Name: Stan Cipkowski

    

    

    Title:
      Chief Executive Officer

    

    

    

    

    By:
       /s/
      Keith Palmer    

    

    Printed
      Name: Keith Palmer

    

    

    Title:
      Chief Financial Officer

    

    
      
         

      

      
        4

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