Document:

EXHIBIT 10.4

                         EXECUTIVE EMPLOYMENT AGREEMENT

         This Executive Employment Agreement (the "Agreement") is entered into
as of January 1, 2003, by and between Myra Gans (the "Executive") and Gender
Sciences Inc., a New Jersey corporation (the "Company").

         1. Employment. The Company hereby agrees to Executive's employment, and
Executive hereby accepts such employment and agrees to perform his duties and
responsibilities, in accordance with the terms and conditions hereinafter set
forth.

                  1.1 Employment Term. The term of Executive's employment under
this Agreement shall commence as of January 1, 2003 (the "Effective Date") and
shall continue until the third (3rd) anniversary of the Effective Date, unless
earlier terminated in accordance with Section 3 or Section 4 hereof. The period
commencing as of the Effective Date and ending on the third (3rd) anniversary of
the Effective Date, or such later date to which the term of Executive's
employment under the Agreement shall have been extended is hereinafter referred
to as the "Employment Term."

                  1.2 Duties and Responsibilities. Executive shall serve in the
position of Executive Vice President. During the Employment Term, Executive
shall perform all duties and accept all responsibilities incident to such
position or other appropriate duties as may be assigned to her by the Company's
Board of Directors. Executive shall devote her full productive time and best
efforts to the performing of his duties and responsibilities under this Section
1.2.

                  1.3 No Conflicting Obligations. The Executive represents and
warrants to the Company that he is under no obligations or commitments, whether
contractual or otherwise, that are inconsistent with his obligations under this
Agreement. The Executive represents and warrants that he will not use or
disclose, in connection with his Employment, any trade secrets or other
proprietary information or intellectual property in which the Executive or any
other person has any right, title or interest and that his Employment will not
infringe or violate the rights of any other person. The Executive represents and
warrants to the Company that she has returned all property and confidential
information belonging to any prior employer.

                  1.4 Base Salary. For all of the services rendered by Executive
hereunder the Company shall pay Executive an annual base salary (his "Base
Salary") of one hundred and ten thousand Dollars ($110,000), payable in
installments at such times as the Company shall pay its other senior level
executives (but in any event no less often than monthly). The Base salary shall
be ninety nine thousand Dollars ($99,000) starting January 1, 2003 and may be
increased to one hundred and ten thousand Dollars ($110,000) on July 1, 2003
based upon review and the continued progress of the Company. The Base Salary
shall be reviewed by the Company annually with an increase not to exceed more
than ten percent (10%) in any year, which increase shall be at the discretion of
the Board of Directors and approved by the Compensation Committee.

                  1.5 Bonus. In addition to the Base Salary, the Executive shall
receive an annual incentive bonus (the "Annual Bonus") in an amount up to (i)
50% of her Base Salary if the Company achieves agreed upon targets. The Board of
Directors shall fix the targets for each year during the Employment Term. These

<PAGE>

targets may include gross profit %, net profit, EBITDA, stock price,
budget/sales forecast, expense control, an operating budget by product, and a
capital raise. The Annual Bonus may be awarded half in cash, half in restricted
stock or stock options. The Compensation Committee will approve the Annual Bonus
Plan and Bonus Pool. The bonus program for the year beginning Janaury 1, 2003 is
attached hereto as "Exhibit A".

                  1.6 Automobile Allowance. During the Employment Term,
Executive shall be entitled to receive a monthly automobile allowance, payable
monthly in advance, which shall include all costs attendant to the use of the
automobile, including, but not limited to, liability and property insurance
coverage, costs of maintenance and fuel. Notwithstanding the foregoing, the
amount of the monthly automobile allowance shall be reviewed by the Company
annually. In no event shall the monthly auto allowance exceed $1,000.00.

                  1.7 Benefits. The Executive will be eligible to participate in
such employee benefit plans of the Company that may be in effect from time to
time and that are offered to the Company's senior level executives as a group or
to its employees generally, as such plans or programs may be in effect from time
to time, including without limitation, medical insurance.

                  1.8 Reimbursement of Expenses; Vacation. During her
Employment, the Executive shall be authorized to incur necessary and reasonable
travel, entertainment and other business expenses in connection with his duties
hereunder. The Company shall reimburse the Executive for such expenses upon
presentation of an itemized account and appropriate supporting documentation,
all in accordance with the Company's generally applicable policies for senior
level executives as a group. Executive shall be entitled to up to four (4) weeks
paid vacation per year and paid holidays in accordance with the Company's normal
personnel policies.

                  1.9 Tax Withholding. The Company may withhold from any
compensation or other benefits payable under this Agreement all federal, state,
city or other taxes as shall be required pursuant to any law or governmental
regulation or ruling.

         2. Confidentiality and Non-Compete. The Executive has entered into a
Confidentiality and Non-Compete Agreement with the Company which includes a
Non-Solicitation and Non-Disturbance section, which is attached hereto as
Exhibit B and incorporated herein by this reference.

         3. Termination. The Employment Term shall terminate upon the occurrence
of any one of the following events:

                  3.1 Disability. The Company may terminate the Employment Term
if Executive is unable substantially to perform his duties and responsibilities
hereunder to the full extent required by the Company by reason of illness,
injury or incapacity for three (3) consecutive months, or for more than six (6)
months in the aggregate during any period of twelve (12) calendar months. In the
event of such termination, the Company shall pay Executive her Base Salary
through the date of such termination. In addition, Executive shall be entitled
to the following: (i) a pro rata Annual Bonus, if applicable, for the year of
termination; (ii) any other amounts earned, accrued or owing but not yet paid
under Section 1 above; (iii) continued participation for the remaining

                                      A-2
<PAGE>

Employment Term in those benefits in which she was participating on the date of
termination which, by their terms, permit a former employee to participate; and
(iv) any other benefits in accordance with applicable plans and programs of the
Company. In such event, the Company shall have no further liability or
obligation to Executive for compensation under this Agreement except as
otherwise specifically provided in this Agreement. Executive agrees, in the
event of a dispute under this Section 3.1, to submit to a physical examination
by a licensed physician selected by the Company. The Company agrees that
Executive shall have the right to have her personal physician present at any
examination conducted by the physician selected by the Company.

                  3.2 Cause. The Company may terminate the Employment Term, at
any time, for "Cause," in which event all payments under this Agreement shall
cease, except for Base Salary to the extent already accrued. For purposes of
this Agreement, "Cause" shall mean:

                           (a) An unauthorized use or disclosure by the
Executive of the Company's confidential information or trade secrets, which use
or disclosure causes material harm to the Company;

                           (b) A material breach by the Executive of any
agreement between the Executive and the Company;

                           (c) A material failure by the Executive to comply
with the Company's written policies or rules;

                           (d) The Executive's gross negligence or willful
misconduct; or

                           (e) A failure by the Executive to perform assigned
duties after receiving written notification of such failure from the Board of
Directors; or

                           (f) Conviction of a crime which is classified as a
felony.

                  The foregoing shall not be deemed an exclusive list of all
acts or omissions that the Company may consider as grounds for the termination
of the Executive's Employment without Cause.

                  3.3 Termination by the Company Without Cause. The Company may
terminate the Employment Term, at any time, without Cause. In the event
Executive is terminated without Cause, Executive shall be entitled to receive:
(i) any amounts earned, accrued or owing but not yet paid pursuant to Section 1
above; (ii) a lump sum severance payment in an aggregate amount equal the sum of
one (1) times Executive's then-current Base Salary for the remainder of the
Executive's Employment Term; (iii) a continuation of all benefits for which
Executive is eligible to participate as of the Termination Date in a fashion
which is similar to those which Executive is receiving immediately prior to the
Termination Date for a period of one (1) year after such termination without
cause; and (iv) all unvested stock options held by Executive shall accelerate
and become immediately exercisable, and any restrictions on restricted stock
held by Executive shall lapse. Amounts payable and benefits to be received
pursuant to subsections (i), (ii), (iii) and (iv) of the preceding sentence will
be collectively referred to herein as the "Severance Package."

                                      A-3
<PAGE>

                  3.4 Constructive Termination Without Cause.

                           (a) Constructive Termination Without Cause shall mean
a termination of the Executive's employment at his initiative following the
occurrence, without the Executive's written consent, of one or more of the
following events:

                                    i) a material diminution in Executive's
duties, title, responsibilities, authority as Chairman or the assignment to
Executive of duties which are materially inconsistent with his duties or which
materially impair the Executive's ability to function in his then current
position; and

                           (b) In the event of a Constructive Termination
Without Cause, Executive shall be entitled to receive the Severance Package.

         4. Payments Upon a Change in Control.

                  4.1 Definitions. For all purposes of this Section 4, the
following terms shall have the meanings specified in this Section 4.1 unless the
context clearly otherwise requires:

                           (a) "Change in Control" means:

                                    i)   a merger or acquisition in which the
Company is not the surviving entity, except for a transaction the principal
purpose of which is to change the State of the Company's incorporation;

                                    ii)  a stockholder approved sale, transfer
or other disposition of all or substantially all of the assets of the Company;

                                    iii) a transfer of all or substantially all
of the Company's assets pursuant to a partnership or joint venture agreement or
similar arrangement where the Company's resulting interest is less than fifty
percent (50%);

                                    iv)  any reverse merger in which the Company
is the surviving entity but in which fifty percent (50%) or more of the
Company's outstanding voting stock is transferred to holders different from
those who held the stock immediately prior to such merger;

                                    v)   on or after the date hereof, a change
in ownership of the Company through an action or series of transactions, such
that any person is or becomes the beneficial owner, directly or indirectly, of
securities of the Company representing fifty percent (50%) or more of the
securities of the combined voting power of the Company's outstanding securities;
or

                                    vi)  a majority of the members of the Board
are replaced during any twelve-month period by directors whose appointment or
election is not endorsed by a majority of the members of the Board prior to the
date of such appointment of election.

                           (b) "Termination Date" shall mean the date of receipt
of a Notice of Termination of this Agreement or any later date specified
therein.

                                      A-4
<PAGE>

                           (c) "Termination of Employment" shall mean the
termination of Executive's actual employment relationship with the Company.

                           (d) "Termination Upon a Change in Control" shall mean
a Termination of Employment upon or within one (1) year after a Change in
Control initiated by the Company for any reason permitted under this Agreement
other than (x) the Executive's disability, as described in Section 3.1 hereof,
(y) death, or (z) for "Cause," as described in Section 3.3 hereof.

                  4.2 Notice of Termination. Any Termination upon a Change in
Control shall be communicated by a Notice of Termination to the other party
hereto given in accordance with Section 11 hereof. For purposes of this
Agreement, a "Notice of Termination" means a written notice which (i) indicates
the specific termination provision in this Agreement relied upon, (ii) briefly
summarizes the facts and circumstances deemed to provide a basis for a
Termination of Employment and the applicable provision hereof, and (iii) if the
Termination Date is other than the date of receipt of such notice, specifies the
Termination Date (which date shall not be more than fifteen (15) days after the
giving of such notice).

                  4.3 Severance Compensation upon Termination. In the event of
Executive's Termination upon a Change in Control, Executive shall be entitled to
receive the Severance Package. In such event, the Company shall have no further
liability or obligation to Executive for compensation under this Agreement
except as otherwise specifically provided in this Agreement.

         5. Acceleration of Equity Incentives. As of the occurrence of the
termination of Executive's employment by the Company without Cause, by Executive
in the event of a Constructive Termination Without Cause, or a termination upon
a Change in Control, notwithstanding any provision in the Gender Sciences Inc.
200_ Omnibus Equity Incentive Plan (or any agreement entered into thereunder or
any successor stock compensation plan or agreement thereunder) to the contrary,
any stock option then held by Executive shall be exercisable and any restriction
on any restricted stock then held by Executive shall lapse or be deemed fully
satisfied, as applicable.

         6. Non-Exclusivity of Rights. Nothing in this Agreement shall prevent
or limit Executive's continuing or future participation in or rights under any
benefit, bonus, incentive or other plan or program provided by the Company or
any affiliate and for which Executive may qualify; provided, however, that if
Executive becomes entitled to and receives all of the payments provided for in
this Agreement, Executive hereby waives his right to receive payments under any
severance plan or similar program applicable to all employees of the Company.

         7. Survivorship. The respective rights and obligations of the parties
hereunder shall survive any termination of the Executive's employment to the
extent necessary to the intended preservation of such rights and obligations.

         8. Release. Receipt of the Severance Package pursuant to Sections 3.4,
3.5 or 4.3 shall be in lieu of all other amounts payable by the Company to
Executive and in settlement and complete release of all claims Executive may
have against the Company other than those arising pursuant to payment of the
Severance Package. Executive acknowledges and agrees that execution of a general
release of claims in favor of the Company setting forth the terms of this
Section 8 and otherwise reasonably acceptable to the Company and Executive shall

                                      A-5
<PAGE>

be a condition precedent to the Company's obligation to pay the Severance
Package to Executive. The cash portion of the Severance Package shall be due and
payable by the Company within thirty (30) days after applicable termination of
the Employment Period.

         9. Arbitration; Expenses.

                           (a) In the event of any dispute under the provisions
of this Agreement other than a dispute in which the sole relief sought is an
equitable remedy such as an injunction, the parties shall be required to have
the dispute, controversy or claim settled by arbitration in the City of
Englewood, New Jersey in accordance with the commercial arbitration rules then
in effect of the American Arbitration Association, before a panel of three
arbitrators, two of whom shall be selected by the Company and Executive,
respectively, and the third of whom shall be selected by the other two
arbitrators. Any award entered by the arbitrators shall be final, binding and
nonappealable and judgment may be entered thereon by either party in accordance
with applicable law in any court of competent jurisdiction. This arbitration
provision shall be specifically enforceable. The fees of the American
Arbitration Association and the arbitrators and any expenses relating to the
conduct of the arbitration (including reasonable attorneys' fees and expenses)
shall be paid as determined by the arbitrators.

                           (b) In the event of an arbitration or lawsuit by
either party to enforce the provisions of this Agreement following a Change in
Control, the party that prevails on any material issue which is the subject of
such arbitration or lawsuit, shall be entitled to recover from the other party
the reasonable costs, expenses and attorneys' fees the party has incurred
attributable to such issue.

         10. Notices. Any notice required to be given hereunder shall be
delivered personally, shall be sent by first class mail, postage prepaid, return
receipt requested, by overnight courier, or by facsimile, to the respective
parties at the addresses given below, which addresses may be changed by the
parties by notice conforming to the requirements of this Agreement.

         If to the Company, to:           Gender Sciences Inc.
                                          Attn: Gene Terry & Board Members
                                          10 West Forest Avenue
                                          Englewood, New Jersey 07631
                                          Facsimile: (201) 569-3224

         If to Executive, to:             Myra Gans
                                          8 Dogwood Lane
                                          Tenafly, NJ 07670
                                          Facsimile: 201-569-1188

         Cc:                              Board of Directors
                                          Chairman, Compensation Committee
                                          Chairman, Audit Committee

Any such notice deposited in the mail shall be conclusively deemed delivered to
and received by the addressee four (4) days after deposit in the mail, if all of
the foregoing conditions of notice shall have been satisfied. All facsimile
communications shall be deemed delivered and received on the date of the

                                      A-6
<PAGE>

facsimile, if (a) the transmittal form showing a successful transmittal is
retained by the sender, and (b) the facsimile communication is followed by
mailing a copy thereof to the addressee of the facsimile in accordance with this
paragraph. Any communication sent by overnight courier shall be deemed delivered
on the earlier of proof of actual receipt or the first day upon which the
overnight courier will guarantee delivery.

         11. Contents of Agreement; Amendment and Assignment.

                           (a) This Agreement supersedes all prior agreements
and sets forth the entire understanding between the parties hereto with respect
to the subject matter hereof and cannot be changed, modified, extended or
terminated except upon written amendment approved by the Company and executed on
its behalf by a duly authorized officer.

                           (b) All of the terms and provisions of this Agreement
shall be binding upon and inure to the benefit of and be enforceable by the
respective heirs, executors, administrators, legal representatives, successors
and assigns of the parties hereto, except that the duties and responsibilities
of Executive hereunder are of a personal nature and shall not be assignable or
delegable in whole or in part by Executive.

         12. Severability. If any provision of this Agreement or application
thereof to anyone or under any circumstances is adjudicated to be invalid or
unenforceable in any jurisdiction, such invalidity or unenforceability shall not
affect any other provision or application of this Agreement which can be given
effect without the invalid or unenforceable provision or application and shall
not invalidate or render unenforceable such provision or application in any
other jurisdiction. If any provision is held void, invalid or unenforceable with
respect to particular circumstances, it shall nevertheless remain in full force
and effect in all other circumstances.

         13. Remedies Cumulative; No Waiver. No remedy conferred upon a party by
this Agreement is intended to be exclusive of any other remedy, and each and
every such remedy shall be cumulative and shall be in addition to any other
remedy given hereunder or now or hereafter existing at law or in equity. No
delay or omission by a party in exercising any right, remedy or power hereunder
or existing at law or in equity shall be construed as a waiver thereof, and any
such right, remedy or power may be exercised by such party from time to time and
as often as may be deemed expedient or necessary by such party in its sole
discretion.

         14. Beneficiaries; References. Executive shall be entitled, to the
extent permitted under any applicable law, to select and change a beneficiary or
beneficiaries to receive any compensation or benefit payable hereunder following
Executive's death by giving the Company written notice thereof. In the event of
Executive's death or a judicial determination of his incompetence, reference in
this Agreement to Executive shall be deemed, where appropriate, to refer to his
beneficiary, estate or other legal representative.

         15. Captions. All section headings and captions used in this Agreement
are for convenience only and shall in no way define, limit, extend or interpret
the scope of this Agreement or any particular section hereof

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<PAGE>

         16. Executed Counterparts. This Agreement may be executed in one or
more counterparts, all of which when fully-executed and delivered by all parties
hereto and taken together shall constitute a single agreement, binding against
each of the parties. To the maximum extent permitted by law or by any applicable
governmental authority, any document may be signed and transmitted by facsimile
with the same validity as if it were an ink-signed document. Each signatory
below represents and warrants by his signature that he is duly authorized (on
behalf of the respective entity for which such signatory has acted) to execute
and deliver this instrument and any other document related to this transaction,
thereby fully binding each such respective entity.

         17. Governing Law. This Agreement shall be governed by and interpreted
under the laws of the State of New Jersey without giving effect to any conflict
of laws provisions.

                  [Remainder of Page Left Intentionally Blank]

                                      A-8
<PAGE>

         IN WITNESS WHEREOF, the undersigned, intending to be legally bound,
have executed this Agreement as of the date first above written.

"Company"                   GENDER SCIENCES INC.
                            a New Jersey Corporation

                            /s/ EUGENE TERRY
                            ----------------------------------------------------
                            Eugene Terry, Chairman

"Executive"                 /s/ MYRA D. GANS
                            ----------------------------------------------------

                    [Signature Page to Employment Agreement]

                                      A-9
<PAGE>

                                    EXHIBIT A

                                 2003 BONUS PLAN

                                       1
<PAGE>

                              GENDER SCIENCES INC.
                                 2002 BONUS PLAN

         1.       PURPOSES OF THE PLAN

                  The Gender Sciences Inc. 2002 Bonus Plan (the "Plan") is
established to promote the interests of Gender Sciences Inc., a New Jersey
corporation (the "Company"), by creating an incentive program to (a) attract and
retain employees who will strive for excellence and (b) motivate those
individuals to set and achieve above-average objectives by providing them with
rewards for contributions to the operating profits and earning power of the
Company.

         2.       ADMINISTRATION OF THE PLAN

                  The Compensation Committee of the Board of Directors of the
Company (the "Committee") shall administer the Plan and adopt rules and
regulations to implement the Plan. Decisions of the Committee shall be final and
binding on all parties who have an interest in the Plan.

         3.       SELECTION OF PARTICIPANTS

                  (a)      Service Requirement. An individual shall be eligible
to participate in the Plan if he or she has been an Employee for a period of not
less than twelve (12) consecutive months at the close of the fiscal year for
which a bonus is payable. An individual who is on a leave of absence shall
remain eligible, but his or her award shall be adjusted as provided in Section
4(d).

                  (b)      Definitions.  For purposes of the Plan:

                           (i)      Employee. An individual shall be considered
an "Employee" as long as such individual remains employed on a full-time basis
by the Company or one or more of its Subsidiaries.

                           (ii)     Subsidiary. Each corporation (other than the
Company) in an unbroken chain of corporations beginning with the Company shall
be considered to be a "Subsidiary" of the Company, provided each such
corporation (other than the last corporation in the unbroken chain) owns, at the
time of determination, stock possessing more than 50% of the total combined
voting power of all classes of stock in one of the other corporations in such
chain.

         4.       BONUS AWARDS

                  (a)      Bonus Pool. The aggregate bonus pool for a fiscal
year shall not exceed 10% of Consolidated Operating Income for such fiscal year,
and the actual amount shall be determined by the Committee in its sole
discretion. If the number does exceed 10% of operating income, the difference
shall be paid in stock. "Consolidated Operating Income" means the Company's
consolidated operating income for the fiscal year. The calculation of
Consolidated Operating Income shall be in accordance with generally accepted
accounting principles (including FAS 14), adjusted to exclude the following:

                           (i)      Any Matching Contributions made to the
Company's 401(k) Savings Plan for such fiscal year;

                           (ii)     All items of income, gain, loss or expense
for such fiscal year determined by the Committee to be extraordinary or unusual
in nature and not incurred or realized in the ordinary course of business,
whether or not such items would otherwise be considered to be extraordinary or
unusual in accordance with the standards established by Opinion No. 30 of the
Accounting Principles Board; and

                                        2
<PAGE>

                           (iii)    Any profit or loss attributable to the
business operations of any entity acquired by the Company during such fiscal
year.

                  Operating profit shall not be adjusted for a minority interest
holder's share of a consolidated subsidiary's operating income or loss.

                  (b)      Allocations. The Committee shall determine the bonus
pool to be paid under the Plan for the Company's fiscal year in accordance with
Subsection (a) above. The aggregate bonus pool so determined shall be allocated
among the eligible Employees in amounts determined by the Committee upon the
satisfaction of one or more performance requirements determined in advance by
the Committee. Such performance requirements may include the requirement that
the performance of the Company or a business unit of the Company for a specified
period of one or more years equal or exceed a target determined in advance by
the Committee. The Company's independent auditors shall determine such
performance. Such target shall be based on one or more criteria set forth in
Appendix A. The Committee shall identify such target not later than the 90th day
of such period.

                  (c)      Entitlement to Bonus. No eligible Employee shall earn
any portion of a bonus award under the Plan until the last day of the Company's
fiscal year and only if there has been an allocation to such Employee pursuant
to Subsection (b) above. If an eligible Employee receives no allocation under
Subsection (b) above, then such Employee shall not be entitled to any bonus
under the Plan.

                  (d)      Termination of Employment and Leaves of Absence. If
an Employee ceases to be employed by either the Company or one or more of its
Subsidiaries for any reason on or before the date when the bonus is earned, then
he or she shall not earn or receive any bonus under the Plan. If an eligible
Employee is on a leave of absence for a portion of the fiscal year, the bonus to
be awarded shall be prorated to reflect only the time when he or she was
actively employed and not any period when he or she was on leave.

                  (e)      Final Report. Following completion of the bonus
calculation and allocation described in this Section 4, the Committee shall
issue a written report containing the final calculation and allocation.

         5.       PAYMENT OF BONUS AWARDS

                  The individual bonus award allocated to each Employee pursuant
to Section 4 shall be paid to such Employee within 30 days after completion of
the annual audit of the Company's financial statements by its independent
auditors, regardless of whether the individual has remained in Employee status
through the date of payment.

         6.       GENERAL PROVISIONS

                  (a)      Plan Amendments. The Plan shall become effective when
adopted by the Company's Board of Directors. The Board of Directors may at any
time amend, suspend or terminate the Plan, provided that it must do so in a
written resolution and such action shall not adversely affect rights and
interests of Plan participants to individual bonuses allocated prior to such
amendment, suspension or termination.

                                        3
<PAGE>

                  (b)      Benefits Unfunded. No amounts awarded or accrued
under this Plan shall be funded, set aside or otherwise segregated prior to
payment. The obligation to pay the bonuses awarded hereunder shall at all times
be an unfunded and unsecured obligation of the Company. Plan participants shall
have the status of general creditors and shall look solely to the general assets
of the Company for the payment of their bonus awards.

                  (c)      Benefits Nontransferable. No Plan participant shall
have the right to alienate, pledge or encumber his or her interest in this Plan,
and such interest shall not (to the extent permitted by law) be subject in any
way to the claims of the Employee's creditors or to attachment, execution or
other process of law.

                  (d)      No Employment Rights. No action of the Company in
establishing the Plan, no action taken under the Plan by the Committee and no
provision of the Plan itself shall be construed to grant any person the right to
remain in the employ of the Company or its subsidiaries for any period of
specific duration. Rather, each Employee will be employed "at will," which means
that either such Employee or the Company may terminate the employment
relationship at any time and for any reason, with or without cause.

                  (e)      Exclusive Agreement. This Plan document is the full
and complete agreement between the eligible Employees and the Company on the
terms described herein.

         7.       EXECUTION.

                  To record the adoption of the Plan by the Board of Directors,
the Company has caused its authorized officer to execute the same.

                                          GENDER SCIENCES INC.

                                          /s/ MYRA GANS
                                          --------------------------------------
                                          Myra Gans, Secretary

                                        4
<PAGE>

                                    EXHIBIT A
                                    ---------

               PROPOSED 2003 BONUS PLAN FOR GENDER SCIENCES, INC.
               --------------------------------------------------

         This plan is based on EBITDA and cash flow. It also reflects a maximum
bonus payout as follows:

                  GT:      100% OF SALARY

                  AG:      100% OF SALARY

                  MG:       50% OF SALARY

                  JJ:       25% OF SALARY

<TABLE>
<CAPTION>

----------------------------------------------------------------------------------------------------------------------
              EBITDA PROJECTED        % OF BONUS TO BE PAID    ACTUAL AMOUNT CASH PAYOUT                     BY MONTH
              ----------------        ---------------------    -------------------------                     --------
----------------------------------------------------------------------------------------------------------------------
<S>                 <C>                                <C>                      <C>                           <C>
----------------------------------------------------------------------------------------------------------------------
                      $750,000                          25%                      $96,563                        $8047
----------------------------------------------------------------------------------------------------------------------
                    $1,000,000                          50%                     $193,125                      $16,094
----------------------------------------------------------------------------------------------------------------------
                    $1,500,000                          75%                     $289,688                      $24,141
----------------------------------------------------------------------------------------------------------------------
                    $2,000,000                         100%                     $386,250                      $32,188
----------------------------------------------------------------------------------------------------------------------
</TABLE>

<TABLE>
<CAPTION>
----------------------------------------------------------------------------------------------------------------------
            EMPLOYEE             SALARY        25% OF BONUS       50% OF BONUS        75% OF BONUS      100% OF BONUS
            --------             ------        ------------       ------------        ------------      -------------
----------------------------------------------------------------------------------------------------------------------
<S>                            <C>                  <C>                <C>                <C>                <C>
----------------------------------------------------------------------------------------------------------------------
GT                             $150,000             $37,500            $75,000            $112,500           $150,000
----------------------------------------------------------------------------------------------------------------------
AG                             $160,000             $40,000            $80,000            $120,000           $160,000
----------------------------------------------------------------------------------------------------------------------
MG                             $110,000             $13,750            $27,500             $41,250            $55,000
----------------------------------------------------------------------------------------------------------------------
JJ                              $85,000              $5,313            $10,625             $15,938            $21,250
----------------------------------------------------------------------------------------------------------------------
</TABLE>

PAYOUT - 1ST QUARTER OF 2004

25% GUARANTEED IN CASH

75% CASH OR STOCK AT DISCRETION OF THE BOARD OF DIRECTORS

<PAGE>

                                    EXHIBIT B

                    Confidentiality and Non-Compete Agreement

                 Including Non-Solicitation and Non-Disturbance

                                 [See Attached]

<PAGE>

                    CONFIDENTIALITY and NON-COMPETE AGREEMENT

         THIS CONFIDENTIALITY and NON-COMPETE AGREEMENT ("Agreement") is entered
into on January 1, 2003, between Myra Gans ("Employee") and Gender Sciences,
Inc. ("Employer").

         1.       Definitions. As used in this Agreement, the following terms
have the following definitions:

                  a.       Clients: Any person or entity for whom Employer
performs services, to whom Employer sells or licenses products, or from whom
Employer, Employee or both obtain information.

                  b.       Confidential Information: Proprietary or confidential
information that Employer has or will develop, compile, own or exclusively
license, or that Employer receives under conditions of confidentiality.
Confidential Information includes not only information disclosed by Employer
(including its employees, agents, and independent contractors) or its Clients to
Employee in the course of employment, but also information (including
Inventions) developed or learned by Employee during the course of employment
with Employer.

                  Confidential Information is broadly defined and includes (i)
all information that has or could have commercial value or other utility in the
business in which Employer or its Clients are engaged or in which they
contemplate engaging; (ii) all information that, if disclosed without
authorization, could be detrimental to the interest of Employer or its Clients,
whether or not such information is identified as Confidential Information by
Employer or its Clients; (iii) all information that has not been released by
Employer to the general public. For example, Confidential Information includes,
but is not limited to, techniques, methods, processes, formulas, trade secrets,
inventions, discoveries, improvements, research or development information,
specifications, data, patent applications, patents, patent rights, software,
algorithms, flow charts, data flow diagrams, state transition diagrams, formats,
technical plans and designs, marketing plans, business plans, strategies,
forecasts, price lists and other unpublished financial information, budgets,
projections, customer and supplier lists, characteristics, and agreements.

                  c.       Inventions: Discoveries, developments, designs,
ideas, improvements, inventions, formulas, processes, techniques, know-how, and
data (whether or not patentable or registerable under copyright or similar
statutes).

         2.       Effective Date. This Agreement will be effective on the
earlier of (i) commencement of Employee's employment with Employer or (ii) the
date and time at which any Confidential Information was or is first disclosed to
Employee.

         3.       Use and Protection of Employer's Confidential Information.
Employee acknowledges that the unauthorized use or disclosure of Confidential
Information may be highly prejudicial to the interests of Employer or its
Clients, an invasion of privacy, or an improper disclosure of trade secrets.
Employee therefore agrees, at all times during and after Employee's employment
<PAGE>

to use all reasonable care to protect the Confidential Information by observing,
at a minimum, the following guidelines:

                  a.       Employee will hold in trust, keep confidential, not
make use of, and not disclose or reveal to any third party any Confidential
Information, directly or indirectly, except in the course of Employee's
employment with Employer and for the benefit of Employer. Employee will not
copy, reproduce, remove, or otherwise cause the transmission of Confidential
Information or Inventions from Employer's principal place of business or such
other place of business specified by Employer, except within the authorized
scope of his employment.

         4.       Noncompetition.

                  a.       Except with the express prior written consent of the
Board of Directors, Employee will not, during the period of employment with
Employer and for a period of one (1) year thereafter, (i) engage in any
employment or activity outside of Employer which actually or potentially is in
conflict with Employer's business or related interests, (ii) induce any other
employee of or consultant to Employer to engage in any such employment or
activity, or (iii) solicit any Clients or potential Clients of Employer for
services similar to those performed by Employer, even if not directly
competitive with such services.

                  b.       In order for Employer to protect its trade secrets,
confidential information and client relationships, for a period of one year
immediately after termination of Employee's employment with Employer, Employee
will not interfere with Employer's business by soliciting an employee to leave
Employer's employ, by inducing a consultant to sever the consultant's
relationship with Employer, or by soliciting business from any of Employer's
Clients.

         5.       Prior Knowledge and Prior Relationships.

                  a.       Except as disclosed in Attachment A, Employee has no
knowledge of any Confidential Information other than information Employee has
learned from Employer.

                  b.       Employee has no agreements, relationships, or
commitments to any other person or entity that conflict with or would prevent
Employee from performing any of Employee's obligations to Employer under this
Agreement.

                  c.       Employee will not disclose to Employer, use, or
induce Employer to use any proprietary information or trade secrets that
Employee obtained in the course and scope of previous employment relationships.
Employee represents and promises that Employee has returned all property and
Confidential Information belonging to other employers.

         6.       Non-Solicitation.  During the period of employment with the
Company and for the period after during which the "Severance Package" is in
effect:

                  a.       The [Employee / Executive] will not solicit or cause
to be solicited, or aid in the solicitation of business from past or current
clients or active prospects of the Company for services or products similar to
those being developed, licensed, marketed or sold by the Company; and

<PAGE>

                  b.       The [Employee / Executive] will not directly or
indirectly contact or solicit any employee of the Company with regard to
present, future or contemplated employment opportunities on behalf of himself,
or any other person, firm, corporation, governmental agency or other entity.

         7.       Notices. Any notice, report, or statement required or
permitted under this Agreement will be considered to be given or transmitted
when sent by certified mail, postage prepaid, addressed to the party for whom it
is intended at its address of record; by facsimile, which notice will be
effective on computer confirmation of receipt; or by courier or messenger
service, which notice will be effective on receipt by recipient as indicated on
the carrier's receipt. The record addresses of the parties are as follows:

Employer:                  10 West Forest Avenue
                           Englewood, NJ  07631
                           Facsimile: (201) 569-3224

Employee:                  Address
                           City, State, Zip

         8.       No Waiver. No waiver of a breach, failure of any condition, or
any right or remedy contained in or granted by this Agreement will be effective
unless it is in writing and signed by the party waiving the breach, failure,
right, or remedy. No waiver of any breach, failure, right, or remedy will be
deemed a waiver of any other breach, failure, right, or remedy, whether or not
similar, nor will any waiver constitute a continuing waiver unless the writing
so specifies.

         9.       Governing Law. This Agreement, and any dispute arising from
the relationship between the parties to this Agreement, shall be governed and
determined by the laws of the State of New Jersey. Any dispute that arises under
or relates to this Agreement (whether Contract, Tort, or both) shall be resolved
in the applicable state or federal court and the parties expressly waive any
right they may otherwise have to cause any such action or proceeding to be
brought or tried elsewhere.

         10.      Severability. If any provision of this Agreement is invalid or
unenforceable by a court of competent jurisdiction, that invalidity will not
affect any other provision or provisions of this Agreement unless an essential
purpose of this Agreement would be defeated by the loss of the illegal,
unenforceable, or invalid provision.

         11.      Attachments. Attachment A constitutes a part of this Agreement
and is incorporated into this Agreement by this reference.

         12.      Binding Effect. This Agreement will inure to the benefit of
and be binding on the successors and assigns of Employer and Employee.

         13.      Integration. This Agreement and its Attachments constitutes
the final, complete, and exclusive statement of the Agreement between Employee
and Employer with respect to the protection and disclosure of Confidential
Information. The parties agree that this Agreement supersedes all prior and
contemporaneous understandings or agreements of the parties and that there are
no express or implied agreements contrary to this Agreement.

<PAGE>

                  This Agreement may be amended, supplemented, or modified only
by the mutual agreement of the parties. No amendment, supplement, or
modification of this Agreement will be binding unless it is in writing and
signed by both parties.

         14.      Specific Performance.

                  a.       Because Employee's breach of this Agreement may cause
Employer irreparable harm for which money is inadequate compensation, Employer
will be entitled to injunctive relief through litigation, arbitration, or any
other proceeding, to enforce this Agreement, in addition to damages and other
available remedies in contract, tort, or both, such as attorney's fees and
costs.

                  b.       Employee acknowledges and agrees that the protection
set forth in this Agreement are a material condition to employment with, and
compensation by, Employer.

IN WITNESS WHEREOF, the undersigned have executed this Agreement on this 1st day
of January, 2003 at Englewood, New Jersey.

GENDER SCIENCES INC.

/s/ EUGENE TERRY
-----------------------------------
By:   Eugene Terry
Its:  Chairman

[EMPLOYEE]

/s/ MYRA GANS
-----------------------------------
EmployeeEXHIBIT 10.5

                                 LOAN AGREEMENT
                                 --------------

         This Loan Agreement ("Agreement") is entered into as of November 5,
2002, by and between Gender Sciences, Inc., a New Jersey corporation (the
"Company"), and The Ullman Family Partnership ("Lender"). The Company and Lender
agree as follows:

         1. Loan. Lender hereby lends to the Company the sum of $400,000 (the
"Loan").

         2. Note. The Loan shall be evidenced by a convertible promissory note
(the "Note") (a copy of which is attached as Exhibit "A") executed by the
Company, dated as of the date the Loan is made, providing for the payment of the
principal amount plus simple interest at the rate of eight percent (8%) per
annum, and payable on the third (3rd) anniversary of the date of this Agreement
("Maturity Date") at which time the entire unpaid balance of principal and all
accrued and unpaid interest shall be due and payable in a single installment.
Prior to the Maturity Date, the Note may be converted into the common or
preferred stock of the Company as provided hereinbelow. The Note shall also
provide that the Company may prepay the Note, in whole or in part, at any time
or from time to time upon fifteen (15) days' prior written notice to the Lender,
without penalty or additional fees; provided, however that the Lender shall be
first given the opportunity to convert the entire unpaid balance of principal
and accrued and unpaid interest thereon prior to any prepayment by the Company.

         3. Warrant. The Company shall, as further consideration, interest grant
Lender a Warrant to purchase 8,000,000 shares of Common Stock at a price per
share equal to Five Cents ($0.05) (the "Strike Price"); provided, however that
if, pursuant to the Qualifying Equity Financing (as defined below), the Company
sells (i) Common Stock at a price per share less than the Strike Price, then the
Company shall exchange the Warrant for a warrant to purchase the same number of
shares of Common Stock at a price per share equal to the price per share offered
in the Qualifying Equity Financing; or (ii) Preferred Stock at a price equal to
or less than the Strike Price, then the Company shall exchange the Warrant for
warrant to purchase the same number of shares of Preferred Stock at a price per
share equal to the price per share offered in the Qualifying Equity Financing.
The Warrant shall be substantially in the form of Exhibit "B," attached hereto
and incorporated herein.

         4. Conversion.

                  4.1 Voluntary Conversion. If not sooner converted as described
in Section 4.2 below, all or some of the outstanding principal balance of, and
all or some of the accrued and unpaid interest on, the Note may be converted at
any time prior to the Maturity Date, at the option of the Lender, into shares of
Common Stock of the Company at a conversion price per share equal to Five Cents
($0.05).

                  4.2 Automatic Conversion. At the closing of a Qualifying
Equity Financing (as defined below) on or before the Maturity Date, the entire
outstanding principal balance of, and all accrued and unpaid interest on, the
Note shall be automatically converted into the number of shares of either (1)
Preferred Stock or Common Stock, as the case may be, if the price per share in
the Qualified Equity Financing is equal to or less than Five Cents ($0.05); or
(2) Common Stock if the price per share is greater in the Qualified Equity
Financing than Five Cents ($0.05), as is obtained by dividing (a) the
<PAGE>

outstanding principal balance of, and all accrued and unpaid interest on, the
Note as of the closing date of the Qualified Equity Financing by (b) the lower
of (i) Five Cents ($0.05) or (ii) the price per share of Common Stock or
Preferred Stock, as the case may be, issued in the Qualified Equity Financing. A
"Qualified Equity Financing" shall mean an equity financing in which the Company
sells shares of Common Stock or Preferred Stock and obtains net proceeds
(including conversion of all convertible notes in connection with the bridge
financing) in an amount not less than Two Million Dollars ($2,000,000).

                  4.3 Exchange of Note. As promptly as practicable following the
date of the Qualified Equity Financing, the Lender shall deliver the Note to the
Company. The conversion of the Note shall be deemed to have been effected
immediately upon the closing of the Qualified Equity Financing, and at such time
the rights of the Lender to receive principal and interest shall cease, and the
Lender shall be treated for all purposes as the record holder of the number of
shares of Common Stock or Preferred Stock, as the case may be, into which this
Note converts in accordance herewith. As promptly as practicable after the
receipt of the Note from Lender, the Company shall cause to be issued and
delivered to the Lender a certificate or certificates for the number of shares
of Common Stock or Preferred Stock, as the case may be, issuable upon conversion
of the Note. Such certificate or certificates shall bear such legends required,
in the opinion of counsel for the Company, under applicable securities law.

                  4.4 Fractional Shares. No fractional shares of shall be issued
in connection with any conversion under the Note, but in lieu of such fractional
shares, the Company shall round up the shares received upon conversion of the
Note to the next whole share of stock.

                  4.5 Converted Shares Subject to Lock Up. The shares of the
Company's capital stock issued to Lender in conversion of the Note shall be
subject to a lock-up agreement, wherein the holder of such shares agrees not to
sell, assign or transfer the shares for a specific period of time following any
underwritten public offering of the Company's securities. The holder of the
converted shares agrees to sign a Lock-Up Agreement with terms no more
restrictive than the Lock-Up Agreements entered into by the shareholders of the
Company who are officers, directors or five percent (5%) shareholders of the
Company.

                  4.6 Restricted Shares Upon Conversion. The shares of the
Company's stock issued to Lender in conversion of the Note shall be "restricted
securities" as defined in Sections 7.6 and shall be subject to the limitations
and legend conditions as set forth in Sections 7.7 through 7.10 herein below.

                  4.7 Reservation of Shares. The Company currently has enough
authorized shares sufficient to effect the conversion of the Note and the
exercise of the Warrant. Notwithstanding the foregoing, the Company's current
authorized shares are not sufficient to effect the conversion of the Note and
the exercise of the Warrant assuming full exercise and conversion of the
Company's other outstanding options and convertible securities. Accordingly, the
Company covenants and agrees to expeditiously take such corporate action as may
be necessary to amend the Company's Articles of Incorporation to increase its
authorized but unissued shares of capital stock to the number of shares as shall
be sufficient for the conversion of all of its outstanding options and
convertible securities.

                                       2
<PAGE>

         5. Conditions Precedent to Lender's Obligations. Lender's obligation to
disburse the Loan is subject to the condition that, on the date of disbursement
("Closing Date"), there shall have been delivered to Lender, in form and
substance satisfactory to Lender and its counsel:

                  5.1 Note. The Note substantially in the form attached hereto
as Exhibit "A," executed by a duly authorized officer of the Company.

                  5.2 Warrant. The Warrant substantially in the form as attached
hereto as Exhibit "B", executed by a duly authorized officer of the Company.

         6. Representations and Warranties of Company. The Company represents
and warrants that:

                  6.1 Organization. The Company is a corporation duly organized
and existing under the laws of the State of New Jersey with its principal place
of business at 10 West Forest Avenue, Englewood, New Jersey 07631. It has the
power to own its property and to carry on its business as it is now being
conducted. It is duly qualified and authorized to do business and is in good
standing in every state, country, or other jurisdiction in which the nature of
its business and properties makes such qualification necessary.

                  6.2 Authority. The Company has full power and authority
(corporate and other) to borrow the sums provided for in this Agreement, to
execute and deliver this Agreement, to issue the Warrant, the Note and any other
instrument or agreement required under this Agreement, and to perform and
observe the terms and provisions of this Agreement and of all such other
instruments and agreements.

                  6.3 Corporate Action. All corporate action by the Company, its
directors or stockholders, necessary for the authorization, execution, delivery,
and performance of this Agreement, issuance of the Warrant, and the Note and any
other instrument or agreement required under this Agreement has been duly taken.

                  6.4 Incumbency and Authority of Signators. The officers of the
Company executing this Agreement, the Warrant, the Note and any other instrument
or agreement required under this Agreement are duly and properly in office and
fully authorized to execute them.

                  6.5 Due and Valid Execution. This Agreement has been duly
authorized, executed, and delivered by the Company, and is a legal, valid, and
binding agreement of the Company, enforceable against the Company in accordance
with its terms and the Warrant and the Note and any other instrument or
agreement required under this Agreement has been so authorized and, when
executed and delivered, will be similarly valid, binding and enforceable.

                  6.6 Capitalization.

                           6.6.1 Conversion of Debt. Concurrently with the
execution of this Agreement, the Two Hundred Forty Five Thousand Dollar
($245,000) loan from Unity Venture Capital Associates Ltd. ("UVCA") shall be
converted into 4,900,000 shares of the Company's Common Stock, which are hereby
deemed fully paid and non assessable in the form of a cancellation of a loan to
the Company made by UVCA in the principal amount of Two Hundred Forty Five

                                       3
<PAGE>

Thousand Dollars ($245,000) plus accrued interest thereon. As further
consideration for the conversion of the loan, the Company shall issue UVCA a
warrant to purchase 4,900,000 shares of the Company's Common Stock exercisable
at a price per share equal to the Strike Price and subject to the same terms and
conditions as the Warrant set forth above.

                           6.6.2 Capitalization Table. Attached hereto as
Exhibit "E" is the Company's current capitalization table that sets forth the
Company's current issued and outstanding stock and the total number of Common
Stock post-financing (assuming a $0.05 exercise price) on an as-converted basis.

                  6.7 Reserved Shares. The Company shall expeditiously take such
corporate action as may be necessary to amend the Company's Articles of
Incorporation to increase its authorized but unissued shares of capital stock to
the number of shares as shall be sufficient for the conversion of the Note,
Warrant and other outstanding options and convertible securities.

                  6.8 No Violation. There is no charter, bylaw, or capital stock
provision of the Company, and no provision of any indenture or agreement,
written or oral, to which the Company is a party or under which the Company is
obligated, nor is there any statute, rule, or regulation, or any judgment,
decree, or order of any court or agency binding on the Company which would be
contravened by the execution and delivery of this Agreement, the Warrant, the
Note or any other instrument or agreement required under this Agreement, or by
the performance of any provision, condition, covenant or other term of this
Agreement, the Warrant, the Note or any such other instrument or agreement.

                  6.9 Litigation Pending. There is no litigation, tax claim,
proceeding or dispute pending, or, to the knowledge of the Company, threatened,
against or affecting the Company or its property, the adverse determination of
which might affect the Company's financial condition or operations or impair the
Company's ability to perform its obligations under this Agreement or under the
Warrant, the Note or any other instrument or agreement required by this
Agreement.

         7. Representations and Warranties of Lender. This Agreement is made
with Lender in reliance upon Lender's representation and warranties to the
Company, which by Lender's execution of this Agreement Lender hereby confirms,
that:

                  7.1 Authorization. This Agreement constitutes Lender's valid
and legally binding obligation, enforceable in accordance with its terms.

                  7.2 Investment Intent. The Note and Warrant to be received by
Lender will be acquired for investment for Lender's or his designee's, own
account, not as a nominee or agent, and not with a view to the resale or
distribution of any part thereof, and that Lender has no present intention of
selling, granting any participation in, or otherwise distributing the same. By
executing this Agreement, Lender further represents that Lender does not have
any contract, undertaking, agreement or arrangement with any person to sell,
transfer or grant participation to such person or to any third person, with
respect to the Note or the Warrant or any capital stock underlying the Warrant.

                  7.3 Enforceability. The Lender hereby represents and warrants
that the execution and delivery by Lender of this Agreement, when duly executed
by the other parties hereto, will result in legally binding obligations of

                                       4
<PAGE>

Lender, enforceable against him, her or it in accordance with the respective
terms and provisions hereof, except (a) as limited by applicable bankruptcy,
insolvency, reorganization, moratorium or other laws of general application
affecting enforcement of creditors' rights and (b) general principles of equity
that restrict the availability of equitable remedies.

                  7.4 Disclosure of Information. Lender has been provided with
copies of the Company's Annual Report on Form 10-KSB for the year ended January
31, 2002, the Company's Quarterly Reports on Form 10-QSB for the quarters ended
April 30, 2002 and July 31, 2002 respectively and each Report on Form 8-K filed
by the Company since January 1, 2002. In addition, Lender has been provided with
a copy of the Company's proxy statement in connection with its most recent
annual meeting of shareholders. Lender believes he/she/they have received all
the information he/she/they consider necessary or appropriate for deciding
whether to make the Loan, and acquire the Note and the Warrant. Lender further
represents that he/she/they have had an opportunity to ask questions and receive
answers from officers of the Company regarding the Company, its business and the
terms and conditions of the Note and the Warrant. Lender recognizes that any
investment in the Company must be considered to be highly speculative.

                  7.5 Confidentiality. Lender hereby represents, warrants and
covenants that he/she/they shall maintain in confidence, and shall not use or
disclose without the prior written consent of the Company, any information
identified as confidential that is furnished to him/her/them by the Company in
connection with this Agreement. This obligation of confidentiality shall not
apply, however, to any information (a) in the public domain through no
unauthorized act or failure to act by Lender; or (b) lawfully disclosed to
Lender by a third party who possessed such information without any obligation of
confidentiality. Lender further covenants that he/she/they shall return to the
Company all tangible materials containing such information upon request by the
Company.

                  7.6 Investment Experience. Lender is a lender and investor in
notes and securities of companies in the development stage and acknowledges he/
she/ they are able to fend for themselves, can bear the economic risk and
complete loss of his/her/their investment and has such knowledge and experience
in financial or business matters that he/she/they are capable of evaluating the
merits and risks of the investment in the Note and the Warrant.

                  7.7 Restricted Securities. Lender understands the Note, the
shares resulting from the conversion of the Note, the Warrant and the shares
underlying the Warrant he/she/they are acquiring are characterized as
"restricted securities" under the federal securities laws in as much as they are
being acquired from the Company in a transaction not involving a public offering
and that under such laws and applicable regulations such securities may not be
resold without registration under the Securities Act of 1933, as amended (the
"Securities Act"), except in certain limited circumstances. In this connection
Lender represents that he/she/they are familiar with Securities and Exchange
Commission ("SEC") Rule 144, as presently in effect, and understand the resale
limitations imposed thereby and by the Securities Act.

                  7.8 Further Limitations on Disposition. Without in any way
limiting the representations set forth above, Lender further agrees not to make
any disposition of all or any portion of the Note, the shares resulting from the

                                       5
<PAGE>

conversion of the Note, the Warrant or the shares underlying the Warrant unless
and until:

                           7.8.1 There is then in effect a registration
statement under the Securities Act covering such proposed disposition and such
disposition is made in accordance with such registration statement; or

                           7.8.2 (i) Lender shall have notified the Company of
the proposed disposition and shall have furnished the Company with a detailed
statement of the circumstances surrounding the proposed disposition and (ii) if
reasonably requested by the Company, Lender shall have the furnished the Company
with an opinion of counsel, that such disposition will not require registration
of such shares under the Securities Act.

                  7.9 Legends.

                           7.9.1 It is understood the Note, the certificate
representing the shares resulting from the conversion of the Note, the Warrant,
or a certificate for the Company's stock evidencing the shares underlying the
Warrant ("Certificate") may bear one or more of the following legends:

                  "These securities have not been registered under the
                  Securities Act of 1933. They may not be sold, offered for
                  sale, pledged or hypothecated in the absence of a registration
                  statement in effect with respect to the securities under such
                  Act or an opinion of counsel satisfactory to the Company that
                  such registration is not required or unless sold pursuant to
                  Rule 144 of such Act."

                  7.10 Accredited Investor. Lender is an "accredited investor"
as that term is defined in CFR Section 230. 501(a) (Regulation D), as amended,
of the SEC under the Securities Act. To be an accredited investor, an investor
must fall within one of the categories set forth on Exhibit "C" attached hereto.

                  7.11 Removal of Legends; Further Covenants.

                           7.11.1 Any legend placed on the Note, the Warrant or
a Certificate pursuant to Section 7.8 hereof shall be removed (i) if the Note,
the Warrant or the shares represented by such Certificates shall have been
effectively registered under the Securities Act or otherwise lawfully sold in a
public transaction, (ii) if the shares may be transferred in compliance with
Rule 144(k) promulgated under the Securities Act, or (iii) if Lender shall have
provided the Company with an opinion of counsel, in form and substance
acceptable to the Company and its counsel and from attorneys reasonably
acceptable to the Company and its counsel, stating that a public sale, transfer
or assignment of the Note, the Warrant or the shares underlying the Warrant may
be made without registration.

                           7.11.2 Any legend placed on the Note or a Certificate
pursuant to Section 8.8 hereof shall be removed if the Company receives an order
of the appropriate state authority authorizing such removal or if Lender
provides the Company with an opinion of counsel, in form and substance

                                       6
<PAGE>

acceptable to the Company and its counsel and from attorneys reasonably
acceptable to the Company and its counsel, stating that such state legend may be
removed.

                           7.11.3 Lender further covenants that Lender will not
transfer the Note or the Warrant, in violation of the Securities Act, the
Securities and Exchange Act of 1934, as amended (the "Exchange Act"), or the
rules of the Commission promulgated thereunder, including Rule 144 under the
Securities Act. Further, Lender agrees that Lender will not transfer the Note,
the Warrant or any shares underlying the Warrant without the Company's prior
consent, even if Lender is otherwise permitted to transfer them pursuant to this
Agreement and all applicable law.

                  7.12 Risk Factors. The Lender agrees and acknowledges that
there are risk factors related to, among other things, (i) the sale by the
Company of the Note, and (ii) the Company's business and financial condition.
Lender and his, her or its representatives acknowledge and agree that they have
carefully reviewed the RISK FACTORS attached hereto as Exhibit "D" in their
entirety. Such Risk Factors are incorporated herein by this reference. THE
LENDER IS AWARE THAT HIS, HER OR ITS INVESTMENT IN THE NOTE IS A SPECULATIVE
INVESTMENT THAT HAS LIMITED LIQUIDITY AND IS SUBJECT TO THE RISK OF COMPLETE
LOSS. THE LENDER IS ABLE, WITHOUT IMPAIRING HIS, HER OR ITS FINANCIAL CONDITION,
TO SUFFER A COMPLETE LOSS OF HIS, HER OR ITS INVESTMENT IN THE NOTE.

         8. Board of Directors. Immediately following the execution of this
Agreement, Richard Ullman, or a representative of the Ullman family, and Frank
Newman will be appointed to the Company's Board of Directors as outside
independent directors and shall be entitled to the standard option package
provided to the Company's outside directors.

         9. Miscellaneous.

                  9.1 Notices. Any communications between the parties or notices
provided for in this Agreement may be given by mailing them, first class,
postage prepaid, to Lender at:

         The Ullman Family Partnership
         Address:_______________________

         _______________________________

and to the Company at:

         Gender Sciences, Inc.
         10 West Forest Avenue
         Englewood, New Jersey  07631
         Attn:  Eugene Terry

With a copy to:

         Foley & Lardner
         402 West Broadway, 23rd Floor
         San Diego, California  92101
         Attn:  Kenneth D. Polin

                                       7
<PAGE>

or to such other address as either party may indicate to the other in writing
after the date of this Agreement.

                  9.2 Successors and Assigns. This Agreement shall bind and
inure to the benefit of the parties and their respective successors and assigns;
provided, however, that the Company shall not assign this Agreement or any of
the rights, duties, or obligations of the Company under this Agreement without
the prior written consent of Lender.

                  9.3 Delay and Waivers. No delay or omission to exercise any
right, power, or remedy accruing to Lender on any breach or default of the
Company under this Agreement shall impair any such right, power, or remedy of
Lender, nor shall it be construed to be a waiver of any such breach or default,
or an acquiescence in such breach or default, or waiver of or acquiescence in
any similar breach or default occurring later; nor shall any waiver of any
single breach or default be considered a waiver of any other prior or subsequent
breach or default. Any waiver, permit, consent, or approval of any kind by
Lender of any breach or default under this Agreement, or any waiver by Lender of
any provision or condition of this Agreement, must be in writing and shall be
effective only to the extent specifically set forth in that writing. All
remedies, either under this Agreement or by law or otherwise afforded to Lender,
shall be cumulative and not alternative.

                  9.4 Attorneys Fees. In the event of any legal action or suit
in relation to this Agreement or any note or other instrument or agreement
required under this Agreement, or in the event that Lender incurs any legal
expense in protecting its rights under this Agreement or under any security
agreement in any legal proceeding, the Company, in addition to all other sums
which the Company may be called on to pay, will pay to Lender the amount of such
legal expense and will, if Lender prevails in such action, pay to Lender a
reasonable sum for its attorney's fees and all other costs and expenses.

                  9.5 Severability. In the event any sentence or paragraph of
this Agreement is declared void by a court of competent jurisdiction, said
sentence or paragraph shall be deemed severed from the remainder of this
Agreement, and the balance of this Agreement shall remain in effect.

                  9.6 Titles, Captions and Paragraph Headings. Paragraph and
subparagraph titles and captions contained in this Agreement are inserted only
as a matter of convenience for reference. Such titles, captions, and paragraph
headings in no way define, limit, extend or describe the scope of this Agreement
or the intent of any provisions hereof.

                  9.7 Number and Gender. Whenever a singular number is used in
this Agreement or where required by context, the same shall include plural.
Masculine gender shall include feminine and neuter genders and the word "person"
shall include corporation, firm, partnership, or other forms of association.

                  9.8 Entire Agreement. This Agreement constitutes the entire
Agreement between all parties herein and supersedes all prior Agreements and
understandings, oral or written, between the parties hereto with respect to the

                                       8
<PAGE>

subject matter hereof, and shall not be modified or amended except in writing,
executed by all parties herein.

                  9.9 Counterparts. This Agreement may be executed in several
counterparts, and as so executed shall constitute an Agreement, binding to all
parties herein. Each counterpart may be signed and transmitted with the same
validity as if it were an ink-signed document.

                  9.10 Non-Waiver. No delay or omission on the part of any party
herein in exercising any rights or remedies herein shall operate as a waiver of
such rights or remedies. No waiver of any default shall constitute a waiver of
any other default, whether of the same or any other covenant or condition. No
waiver, benefit, privilege or service voluntarily given or performed by any
party herein shall give the other parties any contractual right by custom,
estoppel or otherwise. Any waiver by any party herein must be executed in
writing, expressly specifying the subject and extent of the waiver.

                  9.11 Governing Law and Venue. This Agreement and all
amendments thereto shall be governed, construed, and enforced in accordance with
the laws of the State of New Jersey.

                  9.12 Legal Representation. The law firm of Foley & Lardner has
prepared this Agreement solely on behalf of the Company based on instructions
received. The Lender has been advised to seek and obtain separate legal counsel
with respect to the preparation and execution of this Agreement, and he/she has
had an opportunity to do so, has access to qualified independent counsel and has
sought and obtained such advice and counsel to the extent desired.

                  9.13 Construction. This Agreement has been negotiated between
the parties and their advisors, and shall not be construed against the party
preparing it, but shall be construed as if all parties jointly prepared this
Agreement and any uncertainty and ambiguity shall not be interpreted against any
one party.

                  9.14 No Other Inducement. The making, execution and delivery
of this Agreement by the parties hereto has been induced by no representations,
statements, warranties or agreements other than those expressed herein.

                  9.15 Disputes. In the event of an inconsistency arising
between the terms of the Note or the Warrant and this Loan Agreement, the terms
of the Loan Agreement shall control.

                  [Remainder of Page Intentionally Left Blank]

                                       9
<PAGE>

         IN WITNESS WHEREOF, the parties to this Agreement have executed this
loan Agreement by their duly authorized officers effective as of the day and
year first above written.

         "Company"          Gender Sciences, Inc.,
                            a New Jersey corporation

                            /s/ EUGENE TERRY
                            ----------------------------------------
                            Eugene Terry, Chairman

         "Lender"           The Ullman Family Partnership

                            /s/ RICHARD ULLMAN
                            ----------------------------------------
                            Richard Ullman, Partner

                       [Signature Page to Loan Agreement]

                                       10
<PAGE>

                                TABLE OF EXHIBITS
                                -----------------

Exhibit "A"                      Form of Convertible Promissory Note

Exhibit "B"                      Form of Warrant

Exhibit "C"                      Definition of "accredited investor"

Exhibit "D"                      Risk Factors

Exhibit "E"                      Capitalization Table

                                  Exhibit List

<PAGE>

                                    EXHIBIT A
                                    ---------

                                      NOTE

                                      A-1
<PAGE>

NEITHER THIS PROMISSORY NOTE NOR THE 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 SHARES
UNLESS: (i) THERE IS AN EFFECTIVE REGISTRATION COVERING SUCH PROMISSORY NOTE OR
SUCH 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.

                              GENDER SCIENCES, INC.
                           CONVERTIBLE PROMISSORY NOTE

$400,000                                                    November 5, 2002

                  Gender Sciences, Inc., a New Jersey corporation (the
"Company"), for value received, hereby promises to pay to The Ullman Family
Partnership ("Lender"), on the Maturity Date (as hereinafter defined), the
principal amount of Four Hundred Thousand Dollars ($400,000) plus accrued and
unpaid interest thereon, at a simple interest rate of Eight Percent (8%) per
annum from the date hereof until the Maturity Date. Unless converted into shares
of the Company's capital stock, all sums due pursuant to this Note shall be due
and payable on the third (3rd) anniversary of the date of this Note ("Maturity
Date") at the principal office of the Company at 10 West Forest Avenue,
Englewood, New Jersey 07631 in currency of the United States of America which at
the time of payment shall be legal tender for payment of public and private
debts.

                  This Note is made pursuant to a Loan Agreement of even date
herewith. All capitalized terms not otherwise defined herein shall have the
meaning attributed to them in the Loan Agreement. Any conflict between the Loan
Agreement and this Note shall be determined by the Loan Agreement.

         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.

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

<PAGE>

         3. Conversion.

                  3.1 Voluntary Conversion. If not sooner converted as described
         in Section 3.2 below, all or some of the outstanding principal balance
         of, and all or some of the accrued and unpaid interest on, this Note
         may be converted at any time prior to the Maturity Date, at the option
         of the Lender, into shares of Common Stock of the Company at a
         conversion price per share equal to Five Cents ($0.05).

                  3.2 Automatic Conversion. At the closing of a Qualifying
         Equity Financing (as defined below) on or before the Maturity Date, the
         entire outstanding principal balance of and all accrued and unpaid
         interest on, this Note shall be automatically converted into the number
         of shares of either (1) Preferred Stock or Common Stock, as the case
         may be, if the price per share in the Qualified Equity Financing is
         equal to or less than Five Cents ($0.05); or (2) Common Stock if the
         price per share is greater in the Qualified Equity Financing than Five
         Cents ($0.05), as is obtained by dividing (a) the outstanding principal
         balance of, and all accrued and unpaid interest on, the Note as of the
         closing date of the Qualified Equity Financing by (b) the lower of (i)
         Five Cents ($0.05) or (ii) the price per share of Common Stock or
         Preferred Stock, as the case may be, issued in the Qualified Equity
         Financing. A "Qualified Equity Financing" shall mean an equity
         financing in which the Company sells shares of Common Stock or
         Preferred Stock and obtains net proceeds (including conversion of all
         convertible notes in connection with the bridge financing) in an amount
         not less than Two Million Dollars ($2,000,000).

                  3.3 Notice. If this Note is automatically converted as
         provided for in Section 3.2 above, written notice shall be delivered to
         the Lender at the address last shown on the records of the Company for
         the Lender or given by the Lender to the Company for the purpose of
         notice, or, if no such address appears or is given, at the place where
         the principal executive office of the Company is located, notifying the
         Lender of the conversion, specifying the principal amount of this Note
         converted, the amount of accrued and unpaid interest converted, the
         date of such conversion and calling upon the Lender to surrender this
         Note to the Company in exchange for equity securities of the Company as
         provided herein, in the manner and at the place designated by the
         Company.

                  3.4 Certificate. As promptly as practicable after the
         conversion of this Note, the Company at its expense will issue and
         deliver to the Lender, upon surrender of this Note, a certificate or
         certificates for the number of full shares of equity securities
         issuable upon such conversion. No fractional shares shall be issued in
         connection with any conversion under this Note, but in lieu of such
         fractional shares, the Company shall round up the number of shares to
         be received upon conversion of this Note to the next whole share of
         stock.

         4. Usury Savings Clause. Notwithstanding any provision of this Note,
the Company shall not and will not be required to pay interest at a rate or any
fee or charge in an amount prohibited by applicable law. If interest or any fee
or charge payable on any date would be prohibited, then such interest, fee or
charge will be automatically reduced to the maximum amount that is not
prohibited. In the event that Lender receives payment of any interest, fee, or
charge that would cause the amount so received to exceed the maximum amount
permitted under applicable law, then, to the extent that the amount so received
exceeds the maximum amount permitted under applicable law: (a) in the first

                                       2
<PAGE>

instance, the amount received shall be applied to principal and (b) in the
second instance, in the event that the principal amount of this Note has been
paid in full, the remaining amount so received shall be deemed to be a loan from
the Company to Lender, repayable upon the demand of the Company with interest at
the legal rate from the date of Lender's receipt of each payment in excess
interest, fees, or charges.

         5. Representations of Lender.

                  5.1 Acquisition for Personal Account. Lender represents and
         warrants that it is acquiring this Note and the Conversion Shares (as
         defined below) (the "Securities") solely for its account for investment
         and not with a view to or for sale or distribution of said Securities.
         Lender also represents that the entire legal and beneficial interests
         it may acquire in the Securities are being acquired for, and will be
         held for, Lender's account only.

                  5.2 Securities Are Not Registered. Lender understands that the
         Securities have not been registered under the Securities Act of 1933,
         as amended (the "Act") on the basis that no distribution or public
         offering of the securities of the Company is to be effected. Lender
         realizes that the basis for the exemption may not be present if,
         notwithstanding its representations, Lender has a present intention of
         acquiring the securities for a fixed or determinable period in the
         future, selling (in connection with a distribution or otherwise),
         granting any participation in, or otherwise distributing the
         Securities. Lender has no such present intention.

                  5.3 Accredited Investor. Lender is an "accredited investor"
         within the meaning of Securities and Exchange Commission ("SEC") Rule
         501 of Regulation D, as presently in effect.

         6. Covenants of the Company.

                  6.1 Authorization. All corporate action on the part of the
         Company, its directors and its stockholders necessary for the
         authorization, execution, delivery and performance of this Note by
         Company and the performance of the Company's obligations hereunder,
         including the issuance and delivery of this Note and the shares of
         equity securities issuable upon conversion of this Note ("Conversion
         Shares") and the reservation of the Conversion Shares has been taken or
         will be taken prior to the issuance of such Conversion Shares. This
         Note, when executed and delivered by the Company, shall constitute a
         valid and binding obligation of the Company enforceable in accordance
         with its terms, subject to laws of general application relating to
         bankruptcy, insolvency, the relief of debtors and, with respect to
         rights to indemnity, subject to federal and state securities laws. The
         Conversion Shares, when issued in compliance with the provisions of
         this Note, will be validly issued, fully paid and nonassessable and
         free of any liens or encumbrances.

                  6.2 No Impairment. Except and to the extent as waived or
         consented to by Lender, the Company will not, by amendment of its
         Certificate of Incorporation or through any reorganization, transfer of

                                       3
<PAGE>

         assets, consolidation, merger, dissolution, issue or sale of securities
         or any other voluntary action, avoid or seek to avoid the observance or
         performance of any of the terms to be observed or performed hereunder
         by the Company, but will at all times in good faith assist in the
         carrying out of all the provisions of this Note and in the taking of
         all such action as may be necessary or appropriate in order to protect
         the conversion rights of Lender against impairment.

         7. Default. Each of the following events shall be an "Event of Default"
         hereunder:

                  7.1 the Company fails to pay timely any of the principal
         amount due under this Note or any accrued interest or other amounts due
         under this Note on the date the same becomes due and payable or within
         twenty (20) business days thereafter;

                  7.2 the Company files any petition or action for relief under
         any bankruptcy, reorganization, insolvency or moratorium law or any
         other law for the relief of, or relating to, debtors, now or hereafter
         in effect, or makes any assignment for the benefit of creditors or
         takes any corporate action in furtherance of any of the foregoing; or

                  7.3 an involuntary petition is filed against the Company
         (unless such petition is dismissed or discharged within ninety (90)
         days) under any bankruptcy statute now or hereafter in effect, or a
         custodian, receiver, trustee, assignee for the benefit of creditors (or
         other similar official) is appointed to take possession, custody or
         control of any property of the Company.

                  Upon the occurrence of an Event of Default hereunder, all
unpaid principal, accrued interest and other amounts owing hereunder shall, at
the option of Lender, be immediately due, payable and collectible by Lender
pursuant to applicable law.

         8. Miscellaneous

                  8.1 The Company currently has enough authorized shares
         sufficient to effect the conversion of this Note. Notwithstanding the
         foregoing, the Company's current authorized shares are not sufficient
         to effect the conversion of this Note assuming full exercise and
         conversion of the Company's other outstanding options and convertible
         securities. Accordingly, the Company hereby covenants and agrees to
         expeditiously take such corporate action as may be necessary to amend
         the Company's Articles of Incorporation to increase its authorized but
         unissued shares of capital stock to the number of shares as shall be
         sufficient for the conversion of all of its outstanding options and
         convertible securities.

                  8.2 The Company hereby agrees that no failure on the part of
         the Lender to exercise any power, right or privilege hereunder, or to
         insist upon prompt compliance with the terms hereof, shall constitute a
         waiver thereof.

                  8.3 The Lender shall not be deemed, by any act of omission or
         commission, to have waived any of their rights or remedies hereunder
         unless such waiver is in writing and signed by the Lender, and then
         only to the extent specifically set forth in writing. A waiver with
         reference to one event shall not be construed and continuing or as a

                                       4
<PAGE>

         bar to or waiver of any right or remedy as to a subsequent event. No
         delay or omission of the Lender to exercise any right, whether before
         or after an event of default or a default thereunder, shall impair any
         such right or shall be construed to be a waiver of any right or
         default, and the acceptance at any time by the Lender of any past due
         amounts shall not be deemed to be a waiver of the right to require
         prompt payment when due of any other amounts then or thereafter due and
         payable.

                  8.4 The remedies of the Lender in this Note or at law or in
         equity, shall be cumulative and concurrent, and may be pursued singly,
         successively or together at the sole discretion of the Lender, and may
         be exercised as often as occasion therefor shall occur; and the failure
         to exercise any such right or remedy shall in no event be construed as
         a waiver or release thereof.

                  8.5 Lender shall not become or be deemed a partner or joint
         venturer with the Company by reason of any provisions of this Note.

                  8.6 If any amount of principal or interest on or in respect of
         this Note becomes due and payable on any date which is not a Business
         Day, such amount shall be payable on the next preceding Business Day.
         "Business Day" means any day other than a Saturday, Sunday, statutory
         holiday or other day on which banks in the State of California are
         required by law to close or are customarily closed.

                  8.7 If any of the provisions of this Note or the application
         thereof to any persons or circumstances shall, to any extent, be held
         to be invalid or unenforceable, the remainder of this Note by the
         application of such provision or provisions to persons or circumstances
         other than those as for whom or of which it is held invalid or
         unenforceable shall not be affected thereby, and every provision of
         this Note shall be valid and enforceable to the fullest extent
         permitted by law.

                  8.8 The terms of this Note shall apply to, inure to the
         benefit of, and bind all parties hereto, their heirs, legatees,
         devisees, administrators, executors, successors, assigns or any entity
         formed as a result of the Company reincorporating in another
         jurisdiction.

                  8.9 Time is of the essence of this Note and the performance of
         all provisions hereof.

                  8.10 This Note is registered on the books of the Company and
         is transferable only by surrender thereof at the principal office of
         the Company duly endorsed or accompanied by a written instrument of
         transfer duly executed by the registered Lender of this Note or its
         attorney duly authorized in writing. Payment of or on account of
         principal and interest on this Note shall be made only to or upon the
         order in writing of the registered Lender.

                  8.11 Note is governed by and construed in accordance with me
         laws or the State of New Jersey.

                                       5
<PAGE>

                  8.12 The Lender will not be entitled to vote, receive
         dividends or exercise any of the rights of the holders of the Company's
         equity securities for any purpose prior to the conversion of this Note.

                  [Remainder of Page Intentionally Left Blank]

                                       6
<PAGE>

         "Company"          Gender Sciences, Inc.,
                            a New Jersey corporation

                            /s/ EUGENE TERRY
                            -------------------------------------
                            Eugene Terry, Chairman

         "Lender"           The Ullman Family Partnership

                            /s/ RICHARD ULLMAN
                            -------------------------------------
                            Richard Ullman, Partner

                      [Signature Page to Convertible Note]

                                       7
<PAGE>

                                    EXHIBIT B
                                    ---------

                                     WARRANT

                                      B-1
<PAGE>

VOID AFTER 5:00 P.M. EASTERN TIME ON NOVEMBER 5, 2005

NEITHER THIS WARRANT NOR THE WARRANT SHARES HAVE BEEN REGISTERED UNDER THE
SECURITIES ACT OF 1933. THE COMPANY WILL NOT TRANSFER THIS WARRANT OR THE
WARRANT SHARES UNLESS (i) THERE IS AN EFFECTIVE REGISTRATION COVERING SUCH
WARRANT OR SUCH WARRANT SHARES, AS THE CASE MAY BE, UNDER THE SECURITIES ACT OF
1933 AND APPLICABLE STATES SECURITIES LAWS, (ii) IT FIRST RECEIVES A LETTER FROM
AN ATTORNEY, ACCEPTABLE TO THE BOARD OF DIRECTORS AND 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,
OR (iii) THE TRANSFER IS MADE PURSUANT TO RULE 144 UNDER THE SECURITIES ACT OF
1933.

                              GENDER SCIENCES, INC.
                          COMMON STOCK PURCHASE WARRANT
                          -----------------------------

                                                        Warrant to Subscribe for
November 5, 2002                                8,000,000 Shares of Common Stock

                         Not Transferable or Exercisable
                     Except Upon Conditions Herein Specified
                     ---------------------------------------

         THIS CERTIFIES that, for value received, The Ullman Family Partnership
(such person or entity and any successor and assign being hereinafter referred
to as the `Holder") is entitled to subscribe for and purchase from Gender
Sciences, Inc., a New Jersey corporation (hereinafter called the "Company"),
Eight Million (8,000,000) shares of Common Stock, (the "Common Stock"), of the
Company (such shares to be subject to adjustment in accordance with Sections 1
and 5 hereof, hereinafter sometimes called the "Warrant Shares") at an exercise
price of Five Cents ($0.05) per share as adjusted in accordance with Section 1
hereof (the "Strike Price'), at any time or from time to time from the date
hereof to and including November _, 2005 (the "Exercise Period").

         1.       Exercise of Warrant.

                  1.1      The rights represented by this Warrant may be
exercised by the Holder hereof, in whole at any time or in part from time to
time during the Exercise Period, but not as to a fractional share of Common
Stock, by the surrender of this Warrant (properly endorsed) at the principal
office of the Company, at 10 West Forest Avenue, Englewood, New Jersey 07631 (or
at such other agency or office of the Company in the United States of America as
the Company may designate by notice in writing to the Holder hereof at the
address of such Holder appearing on the books of the Company), and by payment to
the Company of the Strike Price in cash or by certified or official bank check
in United States Dollars for each share being purchased (the "Exercise
<PAGE>

Payment"); provided, however, that, at the option of the Holder, the Exercise
Payment may instead be satisfied by withholding from those Warrant Shares that
would otherwise be obtained upon such exercise (the "Total Warrant Shares") a
number of Warrant Shares having an aggregate Current Fair Market Value (as
defined below) equal to the aggregate Strike Price that would otherwise have
been payable for the Total Warrant Shares.

                  1.2      In the event of any exercise of the rights
represented by this Warrant, (i) a certificate or certificates for the shares of
Common Stock so purchased, registered in the name of the person entitled to
receive the same, shall be mailed to the Holder within a reasonable time after
the rights represented by this Warrant shall have been so exercised; provided,
however, that the Company shall not be required to pay any tax which may be
payable in respect of any transfer involved in the issuance and delivery of any
such certificate in a name other than that of the registered Holder thereof, and
the Company shall not be required to issue or deliver such certificates unless
or until the person or persons requesting the issuance thereof shall have paid
to the Company the amount of such tax or shall have established to the
satisfaction of the Company that such tax has been paid; and (ii) unless this
Warrant has expired, a new Warrant representing the number of shares (except a
remaining fractional share), if any, with respect to which this Warrant shall
not then have been exercised shall also be issued to the Holder hereof within
such time. The person in whose name any certificate for shares of Common Stock
is issued upon exercise of this Warrant, shall for all purposes be deemed to
have become the Holder of record of such shares on the date on which this
Warrant was surrendered and payment of the Strike Price was made (unless the
cashless exercise option described in the foregoing proviso is selected by the
Holder), irrespective of the date of delivery of such certificate, except that,
if the date of such surrender and payment is a date when the stock transfer
books of the Company are closed, such person shall be deemed to have become the
Holder of record of such shares at the close of business on the next succeeding
date on which the stock transfer books are open. The issuance of any shares of
Common Stock pursuant to the terms of this Warrant shall at all times be subject
to compliance with all requirements of the Securities Act of 1933, as amended,
and with all applicable foreign and state securities and blue sky laws then in
effect. If the Holder elects to use the cashless exercise option described in
Section 1.1 above to exercise this Warrant by withholding a portion of the Total
Warrant Shares, this Warrant shall be terminated with respect to the number of
Total Warrant Shares withheld.

                  1.3      Current Fair Market Value. For the purposes of this
Warrant, the "Current Fair Market Value" of each share of Common Stock shall be
determined as follows:

                           1.3.1    If the Common Stock is listed on a national
securities exchange or admitted to unlisted trading privileges on such an
exchange, the Current Fair Market Value shall be the average of the last
reported sale prices of the Common Stock on such exchange based on the last
thirty (30) Business Days (as defined below) prior to the date of exercise of
this Warrant, or, if the Common Stock is not so listed or admitted to unlisted
trading privileges on a national securities exchange but is listed on NASDAQ,
the Current Fair Market Value shall be the average of the last reported sale
prices of the Common Stock on NASDAQ based on the last thirty (30) Business Days
prior to the date of exercise of this Warrant; or

                           1.3.2    If the Common Stock is not so listed or
admitted to unlisted trading privileges on a national securities exchange or
quoted on NASDAQ, the Current Fair Market Value shall be the average mean of the

                                       -2-
<PAGE>

last closing bid and asked prices reported on the last five (5) Business Days
prior to the date of exercise of this Warrant (x) by NASDAQ, or (y) if reports
are unavailable under clause (x) above, by the National Quotation Bureau
Incorporated ("NAB"); or

                           1.3.3    If the Common Stock is not so listed or
admitted to unlisted trading privileges on a national securities exchange and
bid and asked prices are not so reported by NASDAQ or NAB, the Current Fair
Market Value shall be an amount per share, determined in such reasonable manner
as may be prescribed by the Company's Board of Directors in good faith.

                           1.3.4    As used in this Section 3, "Business Day"
means any day other than a Saturday or Sunday on which the relevant exchange,
system or service is open or available, as the case may be.

                  1.4      Adjustments in Number and Strike Prices of Warrant
Shares. If, pursuant to the Qualifying Equity Financing (as defined below), the
Company sells (i) Common Stock at a price per share less than the Strike Price,
then the Company shall exchange this Warrant for a warrant to purchase the same
number of shares of Common Stock at a price per share equal to the price per
share offered in the Qualifying Equity Financing; or (ii) Preferred Stock at a
price per share equal to or less than the Strike Price, then the Company shall
exchange the Warrant for warrant to purchase the same number of shares of
Preferred Stock at a price per share equal to the price per share offered in the
Qualifying Equity Financing. A "Qualified Equity Financing" shall mean an equity
financing in which the Company sells shares of Common Stock or Preferred Stock
and obtains net proceeds (including conversion of all convertible notes in
connection with a bridge financing) in an amount not less than Two Million
Dollars ($2,000,000).

                  1.5      Covenants as to Common Stock. The Company covenants
and agrees all Warrant Shares will, upon issuance, be validly issued, fully paid
and nonassessable, and free from all taxes, liens and charges with respect to
the issue thereof. The Company currently has enough authorized shares sufficient
to effect the exercise of this Warrant. Notwithstanding the foregoing, the
Company's current authorized shares are not sufficient to effect the exercise of
this Warrant assuming full exercise and conversion of the Company's other
outstanding options and convertible securities. Accordingly, the Company hereby
covenants and agrees to expeditiously take such corporate action as may be
necessary to amend the Company's Articles of Incorporation to increase its
authorized but unissued shares of capital stock to the number of shares as shall
be sufficient for the conversion of all of its outstanding options and
convertible securities. If and so long as the Common Stock issuable upon the
exercise of this Warrant is listed on any national securities exchange, the
Company will, if permitted by the rules of such exchange, list and keep listed
on such exchange, upon official notice of issuance, all of the Warrant Shares.

         2.       Transfer.

                  2.1      Securities Laws. Neither this Warrant nor the Warrant
Shares have been registered under the Securities Act of 1933. The Company will
not transfer this Warrant or the Warrant Shares unless (i) there is an effective

                                       -3-
<PAGE>

registration covering such Warrant or such shares, as the case may be, under the
Securities Act of 1933 and applicable states securities laws, (ii) it first
receives a letter from an attorney, acceptable to the Company's 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, or (iii) the transfer is made
pursuant to Rule 144 under the Securities Act of 1933.

                  2.2      Compliance With Blue Sky Laws. The Company will be
able to issue the Warrant Shares upon exercise of the Warrant only if there is a
then current Offering Memorandum or registration statement available for and
distributed to the Warrant Holders relating to such Common Stock, and only if
such Warrant and Common Stock is qualified for sale or exempt from qualification
under applicable state securities laws of the jurisdiction in which the Holders
of the Warrants reside. The Company reserves the right in its sole discretion to
determine not to apply for exemptions or to register such Common Stock in any
jurisdiction where the time and expense do not justify the costs of such
exemption filing or registration. The Warrants may be deprived of any value in
the event the Company does not satisfy or the Company chooses not to satisfy any
such requirements. Although it is the present intention of the Company to
satisfy such requirements, there can be no assurance the Company will be able to
do so; provided, however, the Company will not be permitted to accelerate the
termination of the Exercise Period of these Warrants unless such acceleration is
accomplished in full compliance with Section 1 hereof.

                  2.3      Investment Representations. The Holder of the Warrant
agrees and acknowledges the Warrant is being purchased for his own account, for
investment purposes only, that he, she or it either has a prior personal or
business relationship with the officers, directors or controlling persons, or by
reason of his business or financial experience, or the business or financial
experience of he and his professional advisors who are unaffiliated with and not
compensated by the Company, could be reasonably assumed to have the capacity to
protect his, her or its own interests in connection with the purchase of and the
exercise of the Warrants, and not for the account of any other person, and not
with a view to distribution, assignment or resale to others or to
fractionalization in whole or in part, and the Holder further represents,
warrants and agrees as follows: no other person has or will have a direct or
indirect beneficial interest in this Warrant and the Holder will not sell,
hypothecate or otherwise transfer his Warrant except in accordance with the Act
and applicable state securities laws or unless, in the opinion of counsel for
the Holder acceptable to the Company, an exemption from the registration
requirements of the Securities Act and such state laws is available.

                  2.4      Conditions to Transfer. Prior to any such proposed
transfer, and as a condition thereto, if such transfer is not made pursuant to
an effective registration statement under the Securities Act, the Holder will,
if requested by the Company, deliver to the Company (i) an investment covenant
signed by the proposed transferee, (ii) an agreement by such transferee that the
restrictive investment legend set forth above be placed on the certificate or
certificates representing the securities acquired by such transferee, (iii) an
agreement by such transferee that the Company may place a "stop transfer order"
with its transfer agent or registrar, and (iv) an agreement by the transferee to
indemnify the Company to the same extent as set forth in the next succeeding
paragraph.

                                       -4-
<PAGE>

                  2.5      Indemnity. The Holder acknowledges the Holder
understands the meaning and legal consequences of this Section, and the Holder
hereby agrees to indemnify and hold harmless the Company, its representatives
and each officer, director, agent, and legal counsel thereof from and against
any and all loss, damage or liability (including all attorneys' fees and costs
incurred in enforcing this indemnity provision) due to or arising out of (a) the
inaccuracy of any representation or the breach of any warranty of the Holder
contained in, or any other breach of, this Warrant, (b) any transfer of any of
this Warrant or the Warrant Shares in violation of the Securities Act of 1933,
the Securities Exchange Act of 1934, as amended, or the rules and regulations
promulgated under either of such acts, (c) any transfer of this Warrant or any
of the Warrant Shares not in accordance with this Warrant or (d) any untrue
statement or omission to state any material fact in connection with the
investment representations or with respect to the facts and representations
supplied by the Holder to counsel to the Company upon which its opinion as to a
proposed transfer shall have been based.

                  2.6      Holdback Period and Transfer. Except as specifically
restricted hereby, this Warrant and the Warrant Shares issued may be transferred
by the Holder in whole or in part at any time or from time to time. Upon
surrender of this Warrant certificate to the Company or at the office of its
stock transfer agent, if any, with the Assignment Form annexed hereto duly
executed and funds sufficient to pay any transfer tax, and upon compliance with
the foregoing provisions, the Company shall, without charge, execute and deliver
a new Warrant certificate in the name of the assignee named in such instrument
of assignment, and this Warrant certificate shall promptly be canceled. Any
assignment, transfer, pledge, hypothecation or other disposition of this Warrant
attempted contrary to the provisions of this Warrant, or any levy of execution,
attachment or other process attempted upon this Warrant, shall be null and void
and without effect.

         3.       Rights of the Holder. The Holder shall not, by virtue hereof,
be entitled to any rights of a stockholder in the Company, either at law or in
equity, and the rights of the Holder are limited to those expressed in this
Warrant.

         4.       Anti-Dilution Provisions.

                  4.1      Stock Splits, Dividends, Etc.

                           4.1.1    If the Company shall at any time after the
date hereof subdivide its outstanding shares of Common Stock (or other
securities at the time receivable upon the exercise of the Warrant) by
recapitalization, reclassification or split-up thereof, or if the Company shall
declare a stock dividend or distribute shares of Common Stock to its
stockholders, the number of shares of Common Stock subject to this Warrant
immediately prior to such subdivision shall be proportionately increased, and if
the Company shall at any time combine the outstanding shares of Common Stock by
recapitalization, reclassification or combination thereof, the number of shares
of Common Stock subject to this Warrant immediately prior to such combination
shall be proportionately decreased. Any such adjustment to the Strike Price
pursuant to this Section shall be effective at the close of business on the
effective date of such subdivision or combination or if any adjustment is the
result of a stock dividend or distribution then the effective date for such
adjustment based thereon shall be the record date therefor.

                                       -5-
<PAGE>

                           4.1.2    Whenever the number of shares of Common
Stock purchasable upon the exercise of this Warrant is adjusted, as provided in
this Section, the Strike Price shall be adjusted to the nearest cent by
multiplying such Strike Price immediately prior to such adjustment by a fraction
(x) the numerator of which shall be the number of shares of Common Stock
purchasable upon the exercise immediately prior to such adjustment, and (y) the
denominator of which shall be the number of shares of Common Stock so
purchasable immediately thereafter.

                  4.2      Adjustment for Reorganization, Consolidation, Merger,
Etc. In case of any reorganization of the Company (or any other corporation, the
securities of which are at the time receivable on the exercise of this Warrant)
after the date hereof, or in case after such date the Company (or any such other
corporation) shall consolidate with or merge into another corporation or convey
all or substantially all of its assets to another corporation, then, and in each
such case, the Holder of this Warrant upon the exercise as provided in Section 1
above at any time after the consummation of such reorganization, consolidation,
merger or conveyance, shall be entitled to receive, in lieu of the securities
and property receivable upon the exercise of this Warrant prior to such
consummation, the securities or property to which such Holder would have been
entitled upon such consummation if such Holder had exercised this Warrant
immediately prior thereto; in each such case, the terms of this Warrant shall be
applicable to the securities or property received upon the exercise of this
Warrant after such consummation.

                  4.3      Certificate as to Adjustments. In each case of an
adjustment in the number of shares of Common Stock receivable on the exercise of
this Warrant, the Company at its expense shall promptly compute such adjustment
in accordance with the terms of the Warrant and prepare a certificate executed
by an officer of the Company setting forth such adjustment and showing the facts
upon which such adjustment is based. The Company shall forthwith mail a copy of
each such certificate to each Holder.

                  4.4      Notices of Record Date, Etc.  In case:

                           4.4.1    the Company shall take a record of the
holders of its Common Stock (or other securities at the time receivable upon the
exercise of the Warrant) for the purpose of entitling them to receive any
dividend (other than a cash dividend at the same rate as the rate of the last
cash dividend theretofore paid) or other distribution, or any right to subscribe
for, purchase or otherwise acquire any shares of stock of any class or any other
securities, or to receive any other right; or

                           4.4.2    of any voluntary or involuntary dissolution,
liquidation or winding-up of the Company, then, and in each such case, the
Company shall mail or cause to be mailed to each Holder a notice specifying, as
the case may be, (A) the date on which a record is to be taken for the purpose
of such dividend, distribution or right, and stating the amount and character of
such dividend, distribution or right, or (B) the date on which such
reorganization, reclassification, consolidation, merger, conveyance,
dissolution, liquidation or winding-up is to take place, and the time, if any,
to be fixed, as to which the holders of record of Common Stock (or such other
securities at the time receivable upon the exercise of this Warrant) shall be
entitled to exchange their shares of Common Stock (or such other securities) for
securities or other property deliverable upon such reorganization,
reclassification, consolidation, merger, conveyance, dissolution, liquidation or

                                       -6-
<PAGE>

winding-up. Such notice shall be mailed at least twenty (20) days prior to the
date therein specified, and this Warrant may be exercised prior to said date
during the term of the Warrant.

                  4.5      Threshold for Adjustments. Anything in this Section
to the contrary notwithstanding, the Company shall not be required to give
effect to any adjustment until the cumulative resulting adjustment in the Strike
Price pursuant to this Section shall have required a change of the Strike Price
by at least $0.10. No adjustment shall be made by reason of the issuance of
shares upon conversion rights, stock issuance rights or similar rights currently
outstanding or any change in the number of treasury shares held by the Company.

         5.       Legend and Stop Transfer Orders. Unless the Warrant Shares
have been registered under the Securities Act, upon exercise of any of this
Warrant and the issuance of any of the Warrant Shares, the Company shall
instruct its transfer agent, if any, to enter stop transfer orders with respect
to such shares, and all certificates representing shares of Warrant Shares shall
bear on the face thereof substantially the following legend:

                  This certificate has not been registered under the
                  Securities Act of 1933. The Company will not
                  transfer this certificate unless (i) there is an
                  effective registration covering the shares
                  represented by this certificate under the Securities
                  Act of 1933 and all applicable state securities
                  laws, (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, (iii)
                  the transfer is made pursuant to Rule 144 under the
                  Securities Act of 1933.

         6.       Officer's Certificate. Whenever the number or kind of
securities purchasable upon exercise of this Warrant or the Strike Price shall
be adjusted as required by the provisions hereof, the Company shall forthwith
file with its Secretary or Assistant Secretary at its principal office and with
its stock transfer agent, if any, an officer's certificate showing the adjusted
number of kind of securities purchasable upon exercise of this Warrant and the
adjusted Strike Price determined as herein provided and setting forth in
reasonable detail such facts as shall be necessary to show the reason for and
the manner of computing such adjustments. Each such officer's certificate shall
be made available at all reasonable times for inspection by the Holder and the
Company shall, forthwith after each such adjustment, mail by certified mail a
copy of such certificate to the Holder.

         7.       Transfer of Warrant. Subject to Section 3 hereof, this Warrant
and all rights hereunder are transferable in whole (or in part), at the agency
of office of the Company referred to in Section 1 hereof by the Holder hereof in
person or by duly authorized attorney, upon surrender of this Warrant properly
endorsed. Each taker and Holder of this Warrant, by taking or holding the same,
consents and agrees that this Warrant, when endorsed, in blank, shall be deemed
negotiable, and, when so endorsed the Holder hereof may be treated by the
Company and all other persons dealing with this Warrant as the absolute owner
hereof for all purposes and as the person entitled to exercise the rights

                                       -7-
<PAGE>

represented by this Warrant, or to the transfer hereof on the books of the
Company, any notice to the contrary notwithstanding; but until each transfer on
such books, the Company may treat the registered Holder hereof as the owner
hereof for all purposes.

         8.       Elimination of Fractional Interests. The Company shall not be
required to issue stock certificates representing fractions of shares of Common
Stock, nor shall it be required to issue script or pay cash in lieu of
fractional interests, it being the intent of the parties that all fractional
interests shall be eliminated.

         9.       Exchange of Warrant. Subject to the limitations set forth
herein this Warrant is exchangeable, upon the surrender hereof by the Holder
hereof at the office or agency of the Company designated in Section 1 hereof,
for a new Warrant of like tenor representing the right to subscribe for and
purchase the number of Warrant Shares which may be subscribed for and purchased
hereunder.

         10.      Notices to Warrant Holders. Nothing contained in this Warrant
shall be construed as conferring upon the Holder hereof the right to vote or to
consent to or receive notice as a shareholder in respect of any meetings of
shareholders for the election of Directors or any other matter, or as having any
rights whatsoever as a shareholder of the Company. If, however, at any time
prior to the expiration of the Warrant and prior to its exercise, any of the
following events shall occur:

                  10.1     The Company shall offer to all of the holders of its
Common Stock any additional shares of stock of the Company or securities
convertible into or exchangeable for shares of stock of the Company, or any
option, right or warrant to subscribe therefor; or

                  10.2     A dissolution, liquidation or winding up of the
Company (other than in connection with a consolidation or merger) or a sale of
all or substantially all of its property, assets and business as an entirety
(whether by merger, consolidation or sale of assets) shall be proposed; then, in
any one or more of said events, the Company shall give written notice of such
events at least fifteen (15) days prior to the date fixed as a record date or
the date of closing the transfer books for the determination of the shareholders
entitled to such convertible or exchangeable securities or subscription rights,
or entitled to vote on such proposed dissolution, liquidation, winding up or
sale. Such notice shall specify such record date or the date of closing the
transfer books, as the case may be. Failure to give such notice or any defect
therein shall not affect the validity of any action taken in connection with the
issuance of any convertible or exchangeable securities, or subscription rights,
options or warrants, or any proposed dissolution, liquidation, winding up or
sale.

         11.      Lost, Stolen, Mutilated or Destroyed Warrant. Upon surrender
by the Holder of this Warrant to the Company, the Company at its expense will
issue in exchange therefor, and deliver to such Holder, a new Warrant. Upon
receipt of evidence satisfactory to the Company of the loss, theft, destruction
or mutilation of this Warrant, and in the case of any such loss, theft or
destruction, upon delivery by such Holder of an indemnity agreement or security
satisfactory to the Company, and in case of any such mutilation, upon surrender
and cancellation of this Warrant, the Company, upon reimbursement of all
reasonable expenses incident thereto, will issue and deliver to such Holder a

                                       -8-
<PAGE>

new Warrant of like tenor, in lieu of such lost, stolen, destroyed or mutilated
Warrant. Any Warrant delivered to such Holder in accordance with this Section 11
shall bear the same securities legends as the Warrant which it replaced.

         12.      Governing Law. This Warrant shall be governed by, and
construed in accordance with, the laws of the State of New Jersey applicable to
contracts made therein.

         13.      Notices. Any communications between the parties or notices
provided for in this Agreement may be given by mailing them, first class,
postage prepaid, to Holder at:

         The Ullman Family Partnership
         Address:___________________________

         ___________________________________

and to the Company at:

         Gender Sciences, Inc.
         10 West Forest Avenue
         Englewood, New Jersey  07631
         Attn:  Eugene Terry

With a copy to:

         Foley & Lardner
         402 West Broadway, 23rd Floor
         San Diego, California  92101
         Attn:  Kenneth D. Polin

or to such other address as either party may indicate to the other in writing
after the date of this Agreement.

         14.      Successors. All the covenants, agreements, representations and
warranties contained in this Warrant shall bind the parties hereto and their
respective heirs, executors, administrators, distributees, successors and
assigns.

         15.      Headings. The Article and Section headings in this Warrant are
inserted for purposes of convenience only and shall have no substantive effect.

                  [Remainder of Page Intentionally Left Blank]

                                       -9-
<PAGE>

         IN WITNESS WHEREOF, the Company has caused this Warrant to be executed
by a duly authorized officer under its corporate seal and to be dated as of the
date first above written.

"Company"                    Gender Sciences, Inc., a New Jersey corporation

                             /s/ EUGENE TERRY
                             ------------------------------------
                             Eugene Terry, Chairman

"Holder"                     The Ullman Family Partnership

                             /s/ RICHARD ULLMAN
                             ------------------------------------
                             Richard Ullman, Partner

                           [Signature Page to Warrant]

                                      -10-
<PAGE>

                               FORM OF ASSIGNMENT
                               ------------------

[To be signed only upon transfer of the Warrant]

         FOR VALUE RECEIVED, the undersigned hereby sells, assigns and transfers
unto _____________________________, all of the rights represented by the within
Warrant to purchase _____________shares of Common Stock of Gender Sciences, Inc.
to which the within Warrant relates, and appoints Kenneth D. Polin as the
attorney to transfer such rights on the books of Gender Sciences, Inc. with full
power of substitution in the premises.

Dated

-----------------------                 -----------------------------------
                                                   (Signature)

                                        -----------------------------------

                                        -----------------------------------
                                                    (Address)

Notarization Required:

<PAGE>

                                FORM OF EXERCISE
                                ----------------

[To be signed only upon exercise of the Warrant]

         THE UNDERSIGNED, the Holder of the within Warrant, hereby irrevocably
elects to exercise the purchase right represented by such Warrant for, and to
purchase thereunder, __________ shares of Common Stock of Gender Sciences, Inc.
and herewith tenders payment of $______________ in full payment of the exercise
price for such shares, and requests that the certificates for such shares be
issued in the name of, and delivered to, _________________________ whose address
is________________________________________________

Dated:

-----------------------                 -----------------------------------
                                                   (Signature)

                                        -----------------------------------

                                        -----------------------------------
                                                    (Address)

<PAGE>

                                    EXHIBIT C
                                    ---------

                       Definition of "accredited investor"
Individuals:

     *            An individual who, together with your spouse, has a net worth
                  in excess of $1,000,000 (including home, furnishings and
                  automobiles).

     *            An individual who had gross income in excess of $200,000, or
                  joint income with spouse in excess of $300,000, for each of
                  the last two years and reasonably expects to have gross income
                  of $200,000, or joint income in excess of $300,000, for the
                  current year.

     *            A director or executive officer of the Company

Entities:

     *            A bank as defined in Section 3(a)(2) of the Securities Act of
                  1933 (the "Act"), or any savings and loan association defined
                  in Section 3(a)(5)(A) of the Act, whether acting in its
                  individual or fiduciary capacity; any broker-dealer registered
                  pursuant to Section 15 of the Securities Exchange Act of 1934;
                  insurance company as defined in Section 2(13) of the Act;
                  investment company registered under the Investment Company Act
                  of 1940 or a business development company as defined in
                  Section 2(a)(48) of that Act; Small Business Investment
                  Company licensed by the U.S. Small Business Administration
                  under Section 301(c) or (d) of the Small Business Investment
                  Act of 1958.

     *            An employee benefit plan within the meaning of Title I of the
                  Employee Retirement Income Security Act, if investment
                  decisions are made by a plan fiduciary, as defined in Section
                  3(21) of that act, which is either a bank, savings and loan
                  association, insurance company, or registered investment
                  advisor, or if the employee benefit plan has total assets in
                  excess of $5,000,000.

     *            A self-directed employee benefit plan within the meaning of
                  Title I of the Employee Retirement Income Security Act of
                  1974, whose investment decisions are made solely by accredited
                  investors.

     *            Any private business development company as defined in Section
                  202(a)(22) of the Investment Advisors Act of 1940.

     *            Any organization described in Section 501(c)(3) of the
                  Internal Revenue Code, corporation, Massachusetts or similar
                  business trust, or partnership, not formed for the specific
                  purpose of making this investment, with total assets in excess
                  of $5,000,000.

     *            Any trust with total assets in excess of $5,000,000 not formed
                  for the specific purpose of acquiring securities offered by
                  the Company, if the investment is directed by a person who has
                  such knowledge and experience in financial and business
                  matters that he or she is capable of evaluating the merits and
                  risks of the proposed investment.

     *            Any entity in which all of the equity owners individually
                  qualify as accredited investors.

                                      C-1
<PAGE>

                                   EXHIBIT "D"
                                   -----------

                                  RISK FACTORS

An investment in the Company is highly speculative and subject to a high degree
of risk. Only those investors who can bear the risk of the entire loss of their
investment should participate. You should carefully consider the risks described
below, in addition to the other information in these materials, before making an
investment in the securities. The risks and uncertainties described below are
not the only ones facing the Company. Additional risks and uncertainties not
presently known to the Company or that it currently considers immaterial may
also impair its operations. If any of the following risks actually occur, the
Company's business, financial condition or results of operations could be
materially adversely affected. In that case, the value of your investment could
decline, and you may lose all or part of your investment.

         1. RISKS RELATED TO THE COMPANY'S BUSINESS AND FINANCIAL CONDITION

                  1.1 Need for Additional Financing

         The Company will need to raise additional capital to continue its
activities and operations (the "Additional Financing"). The failure to obtain
Additional Financing will seriously jeopardize the Company's ability to continue
as a going concern. Accordingly, the Company will require Additional Financing
for its operations and there can be no assurance that the Company will be able
to acquire Additional Financing on favorable terms, or at all. The Company may
seek Additional Financing through public or additional private debt or equity
offerings. Providers of Additional Financing may require repayment, interest,
fees or other payments from revenues derived from the Company's products and
services distribution and other exploitation which may significantly reduce
revenues and/or profits generated by the Company. In addition, Additional
Financing may be senior to the Convertible Promissory Notes (the "Convertible
Notes") offered by the Company. There are no guarantees that attempts to secure
any such Additional Financing will be successful. Other financing needs may also
arise and no assurance can be given that the Company will be able to meet such
needs as they arise.

         If adequate funds are not available or are not available on acceptable
terms, the Company might not be able to take advantage of unanticipated
opportunities, develop new products or services or otherwise respond to
unanticipated competitive pressures.

                  1.2 Significant Amount of Revenues Generated From Single
Customer.

         For the fiscal year ended January 31, 2002, one customer accounted for
approximately 32% of the Company's total revenues. The Company does not have a
contract with this customer and, as a result, there is no assurance that this
customer will continue to order products from the Company or will continue to
order the products in the same amount. The loss of this customer would have a
material effect upon the operation of the Company.

                                      D-1
<PAGE>

                  1.3 The Company has recently instituted its new business
strategy. Its business must expand for it to attain profitability.

         The Company has only recently commenced the implementation of its new
business strategy. The Company may not successfully complete the transition to
successful operations or profitability pursuant to its new strategy. The Company
may encounter problems, delays and expenses in implementing its new business
strategy. These may include, but not be limited to, unanticipated problems and
13 additional costs related to marketing, competition and product acquisitions
and development. These problems may be beyond the Company's control, and in any
event, could adversely affect the Company's results of operations.

                  1.4 If the Company Does Not Successfully Manage Any Growth It
Experiences, it May Experience Increased Expenses without Corresponding Revenue
Increases.

         The Company's business plan will, if implemented, result in expansion
of its operations. This expansion may place a significant strain on management,
financial and other resources. It also will require the Company to increase
expenditures before it generates corresponding revenues. The Company's ability
to manage future growth, should it occur, will depend upon its ability to
identify, attract, motivate, train and retain highly skilled managerial,
financial, business development, sales and marketing and other personnel.
Competition for these employees is intense. Moreover, the addition of products
or businesses will require the Company's management to integrate and manage new
operations and an increasing number of employees. The Company may not be able to
implement successfully and maintain its operational and financial systems or
otherwise adapt to growth. Any failure to manage growth, if attained, would have
a material adverse effect on the Company's business. The Company, due to its
limited capital presently has only three full time employees which creates an
additional risk that the Company may not be successful in implementing its
strategy.

                  1.5 The Company is Dependent an a Limited Number of Sources of
Supply for Many of the Products it Offers. If One of its Suppliers Fails to
Supply Adequate Amounts of a Product the Company Offers, the Company's Sales May
Suffer and it Could Be Required to Abandon a Product Line.

         The Company is dependent on a limited number of sources of supply for
many of the products it offers. With respect to these products, the Company
cannot guarantee that these third parties will be able to provide adequate
supplies of products in a timely fashion. The Company also faces the risk that
one of its suppliers could become insolvent, declare bankruptcy, lose its
production facilities in a disaster, be unable to comply with applicable
government regulations or lose the governmental permits necessary to manufacture
the products it supplies to the Company. If the Company is unable to renew or
extend an agreement with a third-party supplier, if an existing agreement is
terminated or if a third-party supplier otherwise cannot meet the Company's need
for a product, the Company may not be able to obtain an alternative source of

                                      D-2
<PAGE>

supply in a timely manner or at all. In these circumstances, the Company may be
unable to continue to market products as planned and could be required to
abandon or divest itself of a product line on terms which would materially
affect it.

                  1.6 The Company May Be Exposed To Product Liability Claims Not
Covered By Insurance That Would Harm its Business.

         The Company may be exposed to product liability claims. Although the
Company believes that it currently carries and intends to maintain a
comprehensive multi peril liability package, the Company cannot guarantee that
this insurance will be sufficient to cover all possible liabilities. A
successful suit against the Company could have an adverse effect on its business
and financial condition if the amounts involved are material.

                  1.7 The Company is Uncertain of its Ability to Obtain
Additional Financing for its Future Capital Needs. If the Company is Unable to
Obtain Additional Financing, it May Not Be Able to Continue to Operate its
Business.

         The Company will require significant amounts of additional capital to
achieve its stated goals. The Company believes that the net proceeds from the
Company's recent private offering of common stock will not be sufficient to
completely implement its strategy in calendar year 2002. The Company's future
capital requirements will depend on many factors including: (i) the costs of its
sales and marketing activities and its education programs for its markets, o
competing product and market developments, (ii) the costs of acquiring or
developing new products,(iii) the costs of expanding its operations, and (iv)
its ability to generate positive cash flow from its sales.

         Additional funding may not be available on acceptable terms, if at all.
If adequate funds are not available, the Company may be required to curtail
significantly or defer one or more of its marketing programs or to limit or
postpone obtaining new products through license, acquisition or other
agreements. If the Company raises additional funds through the issuance of
equity securities, the percentage ownership of its then-current stockholders may
be reduced and such equity securities may have rights, preferences or privileges
senior to those of the holders of its common stock. If the Company raises
additional funds through the issuance of additional debt securities, these new
securities would have certain rights, preferences and privileges senior to those
of the holders of its common stock, and the terms of these debt securities could
impose restrictions on its operations.

                  1.8 Going Concern Qualification Contained In Report of
Independent Auditors.

         The Company has received from its auditors a report that raises
substantial doubt about its ability to continue as a going concern. If the
Company fails to raise additional funds or its new operating plan is not
successful, an investor in the Company could lose his entire investment.

                                      D-3
<PAGE>

                  1.9 The Company's Inability to Obtain New Proprietary Rights
or to Protect and Retain its Existing Rights Could Impair its Competitive
Position and Adversely Affect its Sales.

         The Company believes that the trademarks, copyrights and other
proprietary rights that it owns or licenses, or that it will own or license in
the future, will continue to be important to its success and competitive
position. If the Company fails to maintain its existing rights or cannot acquire
additional rights in the future, its competitive position may be harmed. While
some products we offer incorporate patented technology, most of the products we
sell are not protected by patents. The Company intends to take the actions that
it believes are necessary to protect its proprietary rights, but it may not be
successful in doing so on commercially reasonable terms, if at all. In addition,
parties that license their proprietary rights to the Company may face challenges
to their patents and other proprietary rights and may not prevail in any
litigation regarding those rights. Moreover, the Company's trademarks and the
products it offers may conflict with or infringe upon the proprietary rights of
third parties. If any such conflicts or infringements should arise, the Company
would have to defend itself against such challenges. The Company also may have
to obtain a license to use those proprietary rights or possibly cease using
those rights altogether. Any of these events could harm the Company's business.

                  1.10 If the Marketing Companies Do Not Successfully Sell the
Products the Company Offers, the Company May Experience Significant Losses.

         The products the Company offers may not achieve market acceptance. The
market acceptance of these products will depend on, among other factors, their
advantages over existing competing products, and their perceived efficacy and
safety. The Company's business model assumes that the marketing programs
instituted by the marketing companies with which it has alliances will result in
increased demand for the products it offers. If the marketing programs do not
succeed in generating a substantial increase in demand for its products, the
Company will be unable to realize its operating objectives. In addition, the
Company's business model seeks to build on the expanding roles of marketing
partners, and its marketing efforts are concentrated on these groups. If these
distribution companies do not successfully sell the products the Company offers
or if their customers do not regularly use these products, the Company may
experience significant losses and its business will be adversely affected.

                  1.11 The Health Care Industry and The Markets for the Products
the Company Offers are Very Competitive. The Company May Not Be Able to Compete
Effectively, Especially Against Established Industry Competitors with
Significantly Greater Financial Resources.

         The health care industry is highly competitive. Many of the Company's
competitors are large well-known health care companies that have considerably
greater financial, sales, marketing and technical resources than the Company.
Additionally, these competitors have research and development capabilities that
may allow them to develop new or improved products that may compete with product
lines the Company markets and distributes. In addition, competitors may elect to

                                      D-4
<PAGE>

devote substantial resources to marketing their products to similar outlets and
may choose to develop educational and information programs like those developed
by the Company to support their marketing efforts. The Company's business,
financial condition and results of operations could be materially and adversely
affected by any one or more of such developments. Competition for the self-care
products the Company offers is significant. These products compete against a
number of well-known brands of similar products. The Company's failure to
adequately respond to the competitive challenges faced by the products it offers
could have a material adverse effect on its business, financial condition and
results of operations.

                  1.12 The Company's Quarterly Financial Results are Likely to
Fluctuate Significantly and May Fail to Meet or Exceed the Expectations of
Securities Analysts or Investors, which Could Cause the Price of the Company's
Stock to Decline Significantly.

         The Company's quarterly operating results may fluctuate significantly
based on factors such as: (i) changes in the acceptance or availability of the
products it offers, (ii) the timing of new product offerings, acquisitions or
other significant events by the Company or its competitors, (iii) regulatory
approvals and legislative changes affecting the products it offers or those of
its competitors, (iv) the timing of expenditures for the expansion of its
operations, and (v) general economic and market conditions and conditions
specific to the health care industry. Due to the Company's short operating
history pursuant to its new business strategy and the difficulty of predicting
demand for the products it offers, the Company is unable to accurately forecast
its revenues. Accordingly, the Company's operating results in one or more future
quarters may fail to meet the expectations of securities analysts or investors,
which could have a material adverse effect on the Company's stock price.

                  1.13 The Public Market for the Company's Common Stock may be
Volatile, and the Price of the Common Stock may Fluctuate for Reasons Unrelated
to the Company's Operating Performance. A Significant Decline in the Price of
the Common Stock could Lead to a Class Action Lawsuit Against the Company.

         There has been a very limited public market for the Company's common
stock, and the Company does not know whether investor interest in the Company
will lead to the development of a more active trading market. The market prices
and trading volumes for securities of emerging companies, such as the Company,
historically have been highly volatile and have experienced significant
fluctuations both related and unrelated to the operating performance of those
companies. The price of the Company's common stock may fluctuate widely,
depending on many factors, including factors that may cause the Company's
quarterly operating results to fluctuate as well as market expectations and
other factors beyond the Company's control.

         2. RISKS RELATED TO THIS FINANCING

                  2.1 No rights as stockholders.

                                      D-5
<PAGE>

         Holders of Convertible Notes will not be entitled to vote, receive
dividends or exercise any of the rights of the Company's stockholders for any
purpose prior to conversion of the Convertible Notes. Thus, actions that
adversely affect the holders of Convertible Notes may be taken without the
approval of such holders.

                  2.2 The Convertible Notes are unsecured obligations of the
Company.

         The Convertible Notes will be general unsecured obligations, junior in
right of payment to all of the Company's existing and future senior debt. The
Convertible Notes will not be secured by any of the Company's assets, and as
such will be effectively subordinated to any existing and future secured debt of
the Company.

                  2.3 Broad Discretion of Use of Proceeds.

         Although the Company's management anticipates utilizing the proceeds of
this financing to provide the Company with working capital and for general
corporate purposes, the Company and its management will retain broad discretion
to allocate the proceeds of this financing as well as the timing of its
expenditures. Lenders will not have the opportunity to evaluate the economic,
financial or other information that the Company and its affiliates may use to
determine how it uses these proceeds. Management's failure to apply these funds
effectively could have a material adverse effect on the Company's business,
financial condition, and results of operations.

                  2.4 This is a best efforts Financing.

         The Convertible Notes are being offered on a "best efforts" basis.
Thus, there can be no assurance that all of the offered Convertible Notes will
be sold. Lenders bear the risk that the Company will accept subscriptions for
less than the maximum amount of the financing and then be unable to successfully
complete all of the anticipated uses of the proceeds of the financing. If less
than the maximum amount of the financing is sold, the Company's business,
financial condition and results of operations could be adversely affected.

                                      D-6
<PAGE>

                                   EXHIBIT "E"
                                   -----------

                          Fully Diluted Capitalization
                          ----------------------------
<TABLE>
<CAPTION>

------------------------------------------------------------------------------------------------------------
                                                    Pre-Financing                        Post-Financing

------------------------------------------------------------------------------------------------------------
                                       Number of Shares            %         Number of Shares             %
------------------------------------------------------------------------------------------------------------
<S>                                       <C>                  <C>              <C>                   <C>
------------------------------------------------------------------------------------------------------------
Common Stock and Equivalents(1)           39,109,680           62.2%            44,009,680(2)         48.5%
------------------------------------------------------------------------------------------------------------

------------------------------------------------------------------------------------------------------------
Warrants and Options                      23,807,750           37.8%            23,807,750            26.2%
------------------------------------------------------------------------------------------------------------

------------------------------------------------------------------------------------------------------------
Convertible Note Shares(3)                   N/A                                 9,000,000            10.0%
------------------------------------------------------------------------------------------------------------

------------------------------------------------------------------------------------------------------------
Convertible Note Warrants(4)                 N/A                                13,900,000(5)         15.3%
------------------------------------------------------------------------------------------------------------

============================================================================================================
TOTAL                                     62,917,430            100%            90,717,430             100%
------------------------------------------------------------------------------------------------------------
</TABLE>

----------------------

         (1) Excludes Common Stock issued pursuant to conversion of the
Convertible Notes and warrants issued in connection therewith.

         (2) Includes the 4,900,000 shares issued in connection with the
conversion of the UVCA loan as described in Section 6.6.1 above.

         (3) Assumes a $0.05 price per share for the Convertible Notes on an as
converted basis.

         (4) Assumes a $0.05 exercise price for the warrants on an as converted
basis.

         (5) Includes the 4,900,000 warrants issued pursuant to the conversion
of the UVCA loan as more specifically described in Section 6.6.1 above.

                                      E-1

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