Document:

EX-10.(q)(9)

CREDIT ACCEPTANCE CORPORATION

RESTRICTED STOCK UNIT AWARD AGREEMENT

Credit Acceptance Corporation (the “Corporation”) hereby grants you, Steve Jones (the
“Participant”), a Restricted Stock Unit Award (the “Award”) under the Credit Acceptance Corporation
2004 Incentive Compensation Plan, as amended, dated as of April 1, 2004 and approved by the
shareholders of the Corporation on May 13, 2004 (the “Plan”). The terms and conditions of the Award
are set forth below.

GRANT DATE: March 27, 2009

NUMBER OF RESTRICTED STOCK UNITS: 50,000

PERFORMANCE PERIOD: 2009 through 2013

PERFORMANCE MEASURE: Restricted Stock Units will vest based upon percentage growth in Economic
Profit as set forth in Appendix A to this Agreement.

THIS AGREEMENT, effective March 27, 2009, represents the grant of Restricted Stock Units by
the Corporation to the Participant named above, pursuant to the provisions of the Plan and this
Agreement. All capitalized terms shall have the meanings ascribed to them in the Plan, unless
specifically set forth otherwise herein. The parties hereto agree as follows:

	1.	 	Performance Period. The Performance Period commences on January 1, 2009, and ends on
December 31, 2013.

	2.	 	Value of Restricted Stock Units. Each Restricted Stock Unit shall represent and have
a value equal to one share of common stock, par value $0.01, of the Company, subject to
adjustment as provided in Section 6.03 of the Plan.

	3.	 	Restricted Stock Units and Achievement of Performance Goal. Restricted Stock Units
shall vest ratably over the Performance Period provided that the Company achieves the
performance goals set forth on Exhibit A and Participant is employed by the Company through
the date on which the Committee certifies achievement of such goals (the “Vesting Date”).

	4.	 	Termination Provisions. Participant shall be eligible for payment of vested
Restricted Stock Units on the Payment Date (as defined in Section 6 of this Agreement)
provided that Participant is employed by the Company through the applicable Vesting Date,
regardless of the Participant’s employment with the Company through the Payment Date.

	5.	 	Dividend Equivalents. During the Performance Period, the Company shall credit to
Participant, on each date that the Company pays a cash dividend to holders of common stock
generally, an additional number of Restricted Stock Units (“Additional Restricted Stock
Units”) equal to the total number of whole Restricted Stock Units and Additional Restricted
Stock Units previously credited to Participant under this Agreement multiplied by the dollar
amount of the cash dividend paid per share of common stock by the Company on such date,
divided by the closing price of a share of common stock on such date. Any fractional
Restricted Stock Unit resulting from such calculation shall be included in the Additional
Restricted Stock Units. A report showing the number of Additional Restricted Stock Units so
credited shall be sent to Participant periodically, as determined by the Company. The
Additional Restricted Stock Units so credited shall be subject to the same terms and
conditions as the Restricted Stock Units granted pursuant to this Agreement and the Additional
Restricted Stock Units shall be forfeited in the event that the Restricted Stock Units with
respect to which the dividend equivalents were paid are forfeited.

	6.	 	Form and Timing of Restricted Stock Units. Except as set forth in Section 11 of this
Agreement, payment of the vested Restricted Stock Units shall be made in stock and payment of
the earned and vested Restricted Stock Units shall be made on February 22, 2016 (the “Payment
Date”).

	7.	 	Tax Withholding. The Company shall have the power and the right to deduct or
withhold, or require the Participant or beneficiary to remit to the Company, an amount
sufficient to satisfy federal, state, and local taxes, domestic or foreign, required by law or
regulation to be withheld with respect to any taxable event arising as a result of this
Agreement.

	8.	 	Nontransferability. Restricted Stock Units may not be sold, transferred, pledged,
assigned or otherwise alienated or hypothecated, other than by will or by the laws of descent
and distribution.

	9.	 	Administration. This Agreement and the rights of the Participant hereunder are
subject to all the terms and conditions of the Plan, as the same may be amended from time to
time, as well as to such rules and regulations as the Committee may adopt for administration
of the Plan. It is expressly understood that the Committee is authorized to administer,
construe, and make all determinations necessary or appropriate to the administration of the
Plan and this Agreement, all of which shall be binding upon the Participant. Any
inconsistency between the Agreement and the Plan shall be resolved in favor of the Plan.

	10.	 	Specific Restrictions upon Shares. The Participant hereby agrees with the Company as
follows:

	 	a.	 	The Participant shall acquire the shares issuable with respect to the
Restricted Stock Units granted hereunder for investment purposes only not with a view
of resale or other distribution thereof to the public in violation of the Securities
Act of 1933, as amended (the “1933 Act”) and shall not dispose of any such shares in
transactions which, in the opinion of counsel to the Company, violate the 1933 Act, or
the rules and regulations thereunder, or any applicable state securities or “blue Sky”
laws.

	 	b.	 	If any shares acquired with respect to the Restricted Stock Units shall be
registered under the 1933 Act, no public offering (otherwise than on a national
securities exchange, as defined in the Exchange Act) of any such shares shall be made
by the Participant under such circumstances that he or she (or such other person) may
be deemed an underwriter, as defined in the 1933 Act.

	11.	 	Miscellaneous.

	 	a.	 	Change in Control. Notwithstanding anything to the contrary in this
Agreement, in the event of a Change in Control, (i) as provided by Section 6.02
of the Plan, the restrictions applicable to the Restricted Stock Units granted
under this Agreement shall lapse, the Performance Goal shall be deemened to have
been achieved, and all other terms and conditions shall be deemed to have been
satisfied and (ii) each Restricted Stock Unit shall be terminated on the Change in
Control in exchange for a cash payment equal to the fair market value of the
Restricted Stock Units, payable within [thirty (30)] days following the Change in
Control.

	 	b.	 	Adjustments to Shares. In the event of any merger, reorganization,
recapitalization, stock dividend, stock split, extraordinary distribution with
respect to the Stock or other change in corporate structure affecting the Stock,
the Committee or Board of Directors of the Company will make such substitution or
adjustments in the aggregate number and kind of shares of Stock subject to this
Restricted Stock Unit Award to prevent dilution of rights.

	 	c.	 	Notices. Any written notice required or permitted under this
Agreement shall be deemed given when delivered personally, as appropriate either
to the Participant or to the Human Resources Department of the Company, or when
deposited in a United States Post Office as registered mail, postage prepaid,
addressed as appropriate either to the Participant at his or her address as he or
she may designate in writing to the Company, or to the Attention: Human Resources
Department, Credit Acceptance Corporation, at its headquarters office or such
other address as the Company may designate in writing to the Participant.

	 	d.	 	Failure to Enforce Not a Waiver. The failure of the Company to
enforce at any time any provision of this Agreement shall in no way be construed
to be a waiver of such provision or of any other provision hereof.

	 	e.	 	Governing Law. All questions concerning the construction, validity
and interpretation of this Agreement shall be governed by and construed according
to the laws of the State Michigan.

	 	f.	 	Provision of Plan. The Restricted Stock Units provided for herein
and granted pursuant to the Plan, and said Restricted Stock Units and this
Agreement are in all respects governed by the Plan and subject to all of the terms
and provisions thereof, whether such terms and provisions are incorporated in this
Agreement, solely by reference or expressly cited herein. If there is any
inconsistency between the terms of this Agreement and the terms of the Plan, the
Plan’s terms shall completely supersede and replace the conflicting terms of this
Agreement.

	 	g.	 	Code section 162(m). It is intended that payments pursuant to this
Agreement to a Participant who is a “covered employee” within the meaning of
section 162(m) of the Internal Revenue Code constitute “qualified
performance-based compensation” within the meaning of section 1.162.27(e) of the
Income Tax Regulations. To the maximum extent possible, this Agreement and the
Plan shall be so interpreted and construed.

	 	h.	 	Section 16 Compliance. If the Participant is subject to Section 16
of the Exchange Act, except in the case of death or disability, or unless
otherwise exempt, at least six months must elapse from the date of grant of the
Restricted Stock Units hereunder to the date of the Participant’s disposition of
such Restricted Stock Units or the underlying shares of stock.

	 	j.	 	Code Section 409A. The Restricted Stock Units are intended to comply
with Section 409A of the Code and shall be interpreted in accordance with Section
409A of the Code and Treasury Regulations and other interpretive guidance issued
thereunder, including without limitation any such regulations or other guidance
that may be issued after the awards are granted. Notwithstanding any provision of
the Plan or the Agreement to the contrary, in the event that the Committee
determines that any award may or does not comply with Section 409A of the Code,
the Company may adopt such amendments to the award (without Participant consent)
or adopt other policies and procedures (including amendments, policies and
procedures with retroactive effect), or take any other actions, that the Committee
determines are necessary or appropriate to (i) exempt the award from the
application of Section 409A of the Code and/or preserve the intended tax treatment
of the benefits provided with respect to award, or (ii) comply with the
requirements of Section 409A of the Code.

IN WITNESS WHEREOF, the Credit Acceptance Corporation has executed this Agreement in duplicate on
the 27 day of March, 2009.

CREDIT ACCEPTANCE CORPORATION

BY: /s/ Kenneth S. Booth

PRINT NAME: Kenneth S. Booth

It: Chief Financial Officer

I, acknowledge receipt of a copy of the Plan (either as an attachment hereto or that has been
previously received by me) and that I have carefully read this Award Agreement and the Plan. I
agree to be bound by all of the provisions set forth in this Award Agreement and the Plan.

BY: /s/ Steve Jones

Steve Jones

1

Appendix A

Each year, 20% of the Restricted Stock Unit is eligible to vest.

If compounded Economic Profit improves at least 10% annually (“Cumulative Growth”), starting with
January 1, 2009 as compared with 2008, 100% of the Restricted Stock Units eligible to vest will
vest.

If Cumulative Growth is greater than 0% but less than 10% then half of the eligible Restricted
Stock Units will vest.

In Years 2 through 5, if Cumulative Growth is 10% or greater, then all the Restricted Stock Units
that did not vest in prior years, will also vest.

2EX-10.1

AMENDED AND RESTATED

BUSINESS LOAN AGREEMENT

	 	 	 
	Borrower:

	 	Lender:
	PET DRx VETERINARY GROUP, INC.

215 Centerview Drive, Suite 360

Brentwood, TN 37027

	 	HUNTINGTON CAPITAL, L.P.

11988 El Camino Real #160

San Diego, CA 92130

THIS AMENDED AND RESTATED BUSINESS LOAN AGREEMENT (this “Agreement”) entered into as of March 30,
2009, is made and executed between PET DRx VETERINARY GROUP, INC., a Delaware corporation
(“Borrower”), as successor in interest to XLNT VETERINARY CARE, INC., a Delaware corporation, and
HUNTINGTON CAPITAL, L.P., a federally licensed small business investment company (“Lender”), on the
following terms and conditions. Borrower has received a commercial loan from Lender (“Loan”).
Borrower understands and agrees that: a) in granting, renewing, or extending any Loan, Lender is
relying upon Borrower’s representations, warranties, and agreements as set forth in this Agreement,
and b) all such Loans shall be and remain subject to the terms and conditions of this Agreement.

TERM. Borrower is indebted to Lender pursuant to the Business Loan Agreement dated November 2,
2005 evidenced in part by a Promissory Note dated November 2, 2005 in the principal amount of
$1,400,000. This Agreement is a complete amendment and restatement of the Business Loan Agreement
dated November 2, 2005, and shall continue in full force and effect until such time as all of
Borrower’s Loans in favor of Lender have been paid in full, including principal, interest, costs,
expenses, attorney’s fees, and other fees and charges. The waivers and changes set forth herein
and in the Change In Terms Agreement are contingent upon payment of the LOAN MODIFICATION FEES
which are due on or before March 31, 2009.

CONDITIONS PRECEDENT. Lender’s obligations under this Agreement shall be subject to the
fulfillment to Lender’s satisfaction of all of the conditions set forth in this Agreement and in
the Related Documents.

Payment of Fees and Expenses. Borrower shall have paid to Lender all fees, charges, and
other expenses which are then due and payable as specified in this Agreement or any Related
Document.

Representations and Warranties. The representations and warranties set forth in this
Agreement, in the Related Documents, and in any document or certificate delivered to Lender
under this Agreement are true and correct.

No Event of Default. There shall not exist at any time of any Advance a condition which
would constitute an Event of Default under this Agreement or under any Related Document.

LOAN AMOUNT. The amount of the Loan shall be the sum of One Million Four Hundred Thousand Dollars
($1,400,000.00).

LOAN MODIFICATION FEES. As consideration for the waiver of all defaults in the performance of
covenants and representations through March 31, 2009, Borrower will pay Lender the sum of $100,000
on or before March 31, 2009. In consideration for Borrower’s agreement to change the payment terms
of the Note and adopt this Agreement, Borrower agrees to (i) issue that certain Warrant to Purchase
250,000 Shares of Common Stock, Par Value $.0001 Per Share attached as Exhibit A and (ii) pay to
Huntington the sum of $150,000 on December 1, 2010. Huntington agrees to the cancellation of the
Warrant issued November 2, 2005.

WAIVER. Subject to payment of the applicable Loan Modification Fee, Borrower hereby waives all
defaults, covenant violations and other breaches of the Loan Agreement or the Related Documents
arising prior to March 31, 2009.

REPRESENTATIONS AND WARRANTIES. Borrower represents and warrants to Lender, as of the date of this
Agreement, as of this date and at all times any Indebtedness exists:

Organization. Borrower is a corporation which is, and at all times shall be, duly organized,
validly existing, and in good standing under and by virtue of the laws of the state of its
incorporation. Borrower is duly authorized to transact business in California and in all
other states in which Borrower is doing business. Specifically, Borrower is, and at all
times shall be, duly qualified as a foreign corporation in all states in which the failure to
so qualify would have a material adverse effect on its business or financial condition.
Borrower has the full power and authority to own its properties and to transact the business
in which it is presently engaged or presently proposes to engage. Borrower shall do all
things necessary to preserve and to keep in full force and effect its existence, rights and
privileges, and shall comply in all material respects with all regulations, rules,
ordinances, statutes, orders and decrees of any governmental or quasi-governmental authority
or court applicable to Borrower and Borrower’s business activities.

Authorization. Borrower’s execution, delivery, and performance of this Agreement and all the
Related Documents have been duly authorized by all necessary action by Borrower and to do not
conflict with, result in a violation of, or constitute a default under: a) any provision of
Borrower’s operating agreement, articles of organization, member agreements, or any agreement
or other instrument binding upon Borrower, b) or any law, governmental regulation, court
decree, or order applicable to Borrower or to Borrower’s properties.

Financial Information. Borrower’s financial statements and reporting has and shall comply
with all material SEC or other applicable governmental agency filing and disclosure
requirements.

Legal Effect. This Agreement constitutes, and any instrument or agreement Borrower is
required to give under this Agreement when delivered will constitute legal, valid, and
binding obligations of Borrower enforceable against Borrower in accordance with their
respective terms.

Hazardous Substances. Borrower represents and warrants that all its activities shall be
conducted in material compliance with all applicable federal, state, and local laws,
regulations, and ordinances, including without limitation all Environmental Laws. Borrower
represents and warrants that to the best of its knowledge there has been no breach or
violation of an Environmental Law relating to the properties owned by Borrower’s subsidiary,
Tarvan & Lenehan, Inc., that would materially and adversely affect Lender’s collateral.
Borrower hereby (1) releases and waives any future claims against Lender for indemnity or
contribution in the event Borrower becomes liable for cleanup or other costs under any such
laws, and (2) agrees to indemnify and hold harmless Lender against any and all claims,
losses, liabilities, damages, penalties, and expenses (including reasonable attorney’s fees
incurred before trial, at trial, on appeal or in any bankruptcy or arbitration proceeding)
which Lender may directly or indirectly sustain or suffer resulting from a breach of this
section of the Agreement or as a consequence of any use, generation, manufacture, storage,
disposal, release or threatened release of a hazardous waste or a Hazardous Substance on the
Collateral in violation of an Environmental Law. The provisions of this section of the
Agreement, including the obligation to indemnify, shall survive the payment of the
Indebtedness and the termination, expiration or satisfaction of this Agreement and shall not
be affected by Lender’s acquisition of any interest in any of the Collateral, whether by
foreclosure or otherwise.

Binding Effect. This Agreement, the Note, all Security Agreements (if any), and all Related
Documents are binding upon the signers thereof, as well as upon their successors,
representatives and assigns, and are legally enforceable in accordance with their respective
terms.

AFFIRMATIVE COVENANTS. Borrower covenants and agrees with Lender that, so long as this Agreement
remains in effect, Borrower will:

Notices of Claims and Litigation. Within three (3) business days, inform Lender in writing
of (1) all material adverse changes in Borrower’s financial condition, and (2) all existing
and, to Borrower’s actual knowledge, all actual litigation, claims, investigations,
administrative proceedings or similar actions affecting Borrower which could materially and
adversely affect the financial condition of Borrower. Lender agrees and acknowledges that
disclosure of any of the foregoing by the Company in a report filed with the Securities &
Exchange Commission shall constitute compliance with this covenant.

Additional Information. Furnish such additional financial and other information and
statements, as Lender may reasonably request from time to time.

Insurance. Maintain fire and other risk insurance, public liability insurance, and such
other insurance as Lender may require with respect to Borrower’s properties and operations,
in form, amounts, coverages and with insurance companies reasonably acceptable to Lender.
Borrower, upon request of Lender, will deliver to Lender from time to time the policies or
certificates of insurance in form satisfactory to Lender, including stipulations that
coverages will not be cancelled or diminished without at least ten (10) days prior written
notice to Lender. Each insurance policy also shall include an endorsement providing that
coverage in favor of Lender will not be impaired in any way by any act, omission or default
of Borrower or any other person. In connection with all policies covering assets in which
Lender holds or is offered a security interest for the Loan, Borrower will provide Lender
with such lender’s loss payable or other endorsements as Lender may require.

Insurance Reports. Furnish to Lender, upon request of Lender, reports on each existing
insurance policy showing such information as Lender may reasonably request, including without
limitation the following: (a) the name of the insurer; (b) the risks insured; (c) the amount
of the policy; (d) the properties insured; (e) the then current property values on the basis
of which insurance has been obtained, and the manner of determining those values; and (f) the
expiration date of the policy.

Other Agreements. Comply in all material respects with all terms and conditions of all other
agreements, whether now or hereafter existing, between Borrower and any other party and
notify Lender immediately in writing of any continuing default in connection with any other
such agreements which could materially adversely affect the financial condition of Borrower
or the financial condition of any Grantor.

Taxes, Charges, and Liens. Pay and discharge when due all of its indebtedness and
obligations, including without limitation all assessments, taxes, governmental charges,
levies and liens, of every kind and nature, imposed upon Borrower or its properties, income,
or profits, prior to the date on which penalties would attach, and all lawful claims that, if
unpaid, might become a lien or charge upon any of Borrower’s properties, income, or profits.

Performance. Perform and comply, in a timely manner, and within any applicable due dates,
with all terms, conditions, and provisions set forth in this Agreement, in the Related
Documents, and in all other instruments and agreements between Borrower and Lender. Borrower
shall notify Lender immediately in writing of any default in connection with any agreement.

Inspection. Permit employees or agents of Lender at any reasonable time to inspect any and
all Collateral for the Loan and Borrower’s other properties and to examine or audit
Borrower’s books, accounts, and financial records and to make copies and memoranda of
Borrower’s books, accounts, and financial records. If Borrower now or at any time hereafter
maintains any financial records (including without limitation computer generated records and
computer software programs for the generation of such records) in the possession of a third
party, Borrower, upon request of Lender, shall notify such party to permit Lender free access
to such records at all reasonable times and to provide Lender with copies of any records it
may request, all at Borrower’s expense.

Additional Assurances. Make, execute and deliver to Lender such promissory notes, mortgages,
deeds of trust, security agreements, assignments, financing statements, instruments,
documents and other agreements as Lender or its attorneys may reasonably request to evidence
and secure the Loan and to perfect all Security Interests.

LENDER’S EXPENDITURES. If any action or proceeding is commenced that would materially affect
Lender’s interest in the Collateral or if Borrower fails to comply with any provision of this
Agreement or any Related Documents, including but not limited to Borrower’s failure to discharge or
pay when due any amounts Borrower is required to discharge or pay under this Agreement or any
Related Documents, subject to any applicable cure periods, Lender on Borrower’s behalf may (but
shall not be obligated to) take any action that Lender reasonably deems appropriate, including but
not limited to discharging or paying all taxes, liens, security interests, encumbrances and other
claims, at any time levied or placed on any Collateral and paying all costs for insuring,
maintaining and preserving any Collateral. All such expenditures incurred or paid by Lender for
such purposes will then bear interest at the rate charged under the Note (including default
interest) from the date incurred or paid by Lender to the date of repayment by Borrower. All such
expenses will become a part of the Indebtedness and, at Lender’s option, will: (1) be payable on
demand; (2) be added to the balance of the Note and be apportioned among and be payable with any
installment payments to become due during either (a) the term of any applicable insurance policy,
or (b) the remaining term of the Note; or (3) be treated as a balloon payment which will be due and
payable at the Note’s maturity.

ACKNOWLEDGMENTS BY LENDER. Lender hereby acknowledges and agrees that Borrower intends to use the
proceeds of this Loan and one or more subsequent advances made by Lender to acquire the outstanding
capital stock of the Initial Seller. Lender further acknowledges and agrees that, in connection
with the stock acquisition of the Initial Seller, Lender’s security interest in the stock and
assets of such transaction is and shall be subordinated in all respect to such purchase money
security interest of the Initial Seller. Lender further acknowledges and agrees that Borrower may
subsequently consummate prospective acquisitions (by purchase of stock or assets, merger, or
otherwise) pursuant to which the seller’s thereof (each a “Subsequent Seller” collectively, the
“Subsequent Sellers”) may take purchase money security interests in the assets and/or capital stock
being acquired pursuant to such transaction and Lender further agrees that it, in connection with
any such subsequent acquisition with a Subsequent Seller where the same takes a purchase money
security interest in the capital stock and/or assets being sold pursuant to such transaction,
Lender’s security interest in the collateral subject to such transaction is and shall be
subordinated in all respect to any such purchase money security interest of the Subsequent Seller
and/or any other secured acquisition financing. Lender further agrees that it execute a
commercially reasonable subordination agreement required by any senior secured lender providing
senior debt to Borrower; provided, however that any such senior lender shall be subject to the
approval of Lender, which shall not be unreasonably withheld.

NEGATIVE COVENANTS. Borrower covenants and agrees with Lender that while this Agreement is in
effect, Borrower shall not, without the prior written consent of Lender which consent shall not be
unreasonably withheld:

Continuity of Operations. (1) Engage in any business activities substantially different than
those in which Borrower is presently engaged, (2) cease operations, liquidate, merge,
transfer, acquire, or consolidate with any other entity, change its name, dissolve or
transfer or sell Collateral out of the ordinary course of business, or (3) make any
distribution with respect to any capital account, whether by reduction of capital or
otherwise.

CESSATION OF ADVANCES. If Lender has made any commitment to make any Loan to Borrower, whether
under this Agreement or under any other agreement, Lender shall have no obligation to make Loan
Advances or to disburse Loan proceeds if: (1) Borrower is in default under the terms of this
Agreement or any of the Related Documents or any other agreement that Borrower has with Lender,
after taking into consideration all applicable notice and cure provisions; (2) Borrower becomes
insolvent, files a petition in bankruptcy or similar proceedings, or is adjudged a bankrupt; or
(3) there occurs a material adverse change in Borrower’s financial condition or in the value of any
Collateral securing any Loan.

ADDITIONAL PROVISIONS AND COVENANTS.

I. In the event of a sale or transfer of a Material Interest in Borrower’s assets (other than
in the ordinary course of business), merger with another company(ies), or formation of joint
ventures or other related companies, without Lender’s prior written consent, which consent is in
Lender’s reasonable discretion, the Loan shall be immediately due and payable in full. “Material
interest”, for purposes of this paragraph, shall be defined as more than twenty-five percent (25%)
of Borrower’s assets.

II. Except as provided in paragraph I. above, there shall be no sale of Borrower’s assets,
merger with another company(s), or formation of joint ventures without the Lender’s prior written
consent.

III. Each party agrees to indemnify and hold harmless the other against all claims and
expenses (including reasonable attorneys fees incurred before trial, at trial, on appeal or in any
bankruptcy or arbitration) by any brokers or finders claiming by or through the other party for a
commission or finder’s fee in connection with the issuance of the Conditional Letter of Commitment
or the making of the Loan.

IV. Borrower shall provide notice to Lender of any material non-financial SEC filings or
filings not in the normal course of compliance with SEC or governmental reporting.

WARRANT RIDER. As additional consideration for the Loan and as a part of the Loan, Borrower agrees
to execute and grant to Lender the Warrant provided for in the Warrant Rider attached hereto as
Exhibit “A”, and incorporated by reference and made a part hereof.

DEFAULT. Each of the following shall constitute an Event of Default under this Agreement, subject
to the Right to Cure granted below:

Payment Default. Borrower fails to make any payment within five (5) business days of when
due under the Loan.

Other Defaults. Borrower fails to comply with or to perform any other term, obligation,
covenant or condition contained in this Agreement or in any of the Related Documents or to
comply with or to perform any term, obligation, covenant or condition contained in any other
agreement between Lender and Borrower; provided that Borrower’s failure to comply with any
term, obligation, covenant or condition in this Agreement must have a material adverse effect
on the Lender, the Borrower, the Borrower’s ability to pay amounts due under the Note or the
Collateral in order for such noncompliance to constitute an Event of Default hereunder.

Default in Favor of Third Parties. Borrower or any Grantor defaults under any loan,
extension of credit, security agreement, purchase or sales agreement, or any other agreement,
in favor of any other creditor or person that would materially and adversely affect any of
Borrower’s or any Grantor’s property or Borrower’s or any Grantor’s ability to repay the Loan
or perform their respective obligations under this Agreement or any of the Related Documents.

Environmental Default. Failure of any party to comply with or perform when due any term,
obligations, covenant or condition contained in any environmental agreement executed in
connection with any Loan.

False Statements. Any warranty, representation or statement made or furnished to Lender by
Borrower or on Borrower’s behalf under this Agreement, the Note, or the Related Documents is
false or misleading in any material respect at the time made or furnished.

Insolvency. The dissolution of Borrower (regardless of whether election to continue is
made), the appointment of a receiver for any part of Borrower’s property, any assignment for
the benefit of creditors, any type of creditor workout, or the commencement of any proceeding
under any bankruptcy or insolvency laws by or against Borrower.

Defective Collateralization. This Agreement or any of the Related Documents ceases to be in
full force and effect (including failure of any collateral document to create a valid and
perfected security interest or lien) at any time and for any reason.

Creditor or Forfeiture Proceedings. Commencement of foreclosure or forfeiture proceedings,
whether by judicial proceeding, self-help, repossession or any other method, by any creditor
of Borrower or by any governmental agency against any Collateral securing the Loan. This
includes a garnishment of any of Borrower’s accounts, including deposit accounts, with
Lender. However, this Event of Default shall not apply if there is a good faith dispute by
Borrower as to the validity or reasonableness of the claim which is the basis of the creditor
or forfeiture proceeding and if Borrower gives Lender written notice of the creditor or
forfeiture proceeding and deposits with Lender monies or a surety bond for the creditor or
forfeiture proceeding, in an amount determined by Lender, in its sole discretion, as being an
adequate reserve or bond for the dispute.

Adverse Change. A material adverse change occurs in Borrower’s financial condition;
provided, however that Lender was not notified of and consented to the causes that gave rise
to any such change.

Right to Cure. If any default, other than a default on Indebtedness which shall not be so
considered a default unless not paid within five (5) business days of when due, is curable
and if Grantor has not been given a prior notice of a breach of the same provision of this
Agreement within the preceding twelve (12) months, it may be cured (and no Event of Default
will have occurred) if Grantor, after Lender sends written notice demanding cure of such
default, (a) cures the default within fifteen (15) days; or (b), if the cure requires more
than fifteen (15) days, immediately initiates steps which Lender deems in Lender’s sole
discretion to be sufficient to cure the default and thereafter continues and completes all
reasonable and necessary steps sufficient to produce compliance as soon as reasonably
practical.

EFFECT OF AN EVENT OF DEFAULT. If any Event of Default shall occur, subject to any right to cure
set forth above, except where otherwise provided in this Agreement or the Related Documents, all
commitments and obligations of Lender under this Agreement or the Related Documents or any other
agreement immediately will terminate (including any obligation to make further Loan Advances or
disbursements), and, at Lender’s option, all indebtedness immediately will become due and payable,
except that in the case of an Event of Default of the type described in the “Insolvency” subsection
above, such acceleration shall be automatic and not optional. In addition, Lender shall have all
the rights and remedies provided in the Related Documents or available at law, in equity, or
otherwise. Except as may be prohibited by applicable law, all of Lender’s rights and remedies
shall be cumulative and may be exercised singularly or concurrently. Election by Lender to pursue
any remedy shall not exclude pursuit of any other remedy, and an election to make expenditures or
to take action to perform an obligation of Borrower or of any Grantor shall not affect Lender’s
right to declare a default and to exercise its rights and remedies.

CALIFORNIA UNIFORM COMMERCIAL CODE DEFINITIONS. All terms used herein, if not otherwise
specifically defined, shall have the meaning defined by the current or any future version of the
California Uniform Commercial Code, and as revised, amended or modified.

NO CHANGE IN JURISDICTION. Borrower or any Grantor will not change its jurisdiction of
organization without prior notice to Lender.

MISCELLANEOUS PROVISIONS. The following miscellaneous provisions are a part of this Agreement:

Amendments. This Agreement, together with any Related Documents, constitutes the entire
understanding and agreement of the parties as to the matters set forth in this Agreement. No
alteration of or amendment to this Agreement shall be effective unless given in writing and
signed by the party or parties sought to be charged or bound by the alteration or amendment.

Attorneys’ Fees; Expenses. Borrower agrees to pay upon demand all of Lender’s reasonable
costs and expenses, including Lender’s reasonable attorneys’ fees and Lender’s legal
expenses, incurred in connection with the enforcement of this Agreement. Lender may hire or
pay someone else to help enforce this Agreement, and Borrower shall pay the reasonable costs
and expenses of such enforcement. Costs and expenses include Lender’s reasonable attorneys’
fees and legal expenses whether or not there is a lawsuit, including reasonable attorneys’
fees and legal expenses for bankruptcy proceedings (including efforts to modify or vacate any
automatic stay or injunction), appeals, arbitration and any anticipated post-judgment
collection services. Borrower also shall pay all court costs and such additional fees as may
be directed by the court.

Caption Headings. Caption headings in this Agreement are for convenience purposes only and
are not to be used to interpret or define the provisions of this Agreement.

Consent to Loan Participation. Borrower agrees and consents to Lender’s sale or transfer,
whether now or later, of one or more participation interests in the Loan to one or more
purchasers, whether related or unrelated to Lender. Lender may provide, without any
limitation, whatsoever, to any one or more purchasers, or potential purchasers, any
information or knowledge Lender may have about Borrower or about any other matter relating to
the Loan, and Borrower hereby waives any rights to privacy Borrower may have with respect to
such matters; provided, however that, any such disclosure shall be contingent upon the
recipients agreement to keep any such information confidential. Borrower additionally waives
any and all notices of sale of participation interests, as well as all notices of any
repurchase of such participation interests. Borrower further waives all rights of offset or
counterclaim that it may have now or later against Lender or against any purchaser of such a
participation interest and unconditionally agrees that either Lender or such purchaser may
enforce Borrower’s obligation under the Loan irrespective of the failure or insolvency of any
holder of any interest in the Loan. Borrower further agrees that the purchaser of any such
participation interests may enforce its interests irrespective of any personal claims or
defenses that Borrower may have against Lender.

Governing Law and Venue. This Agreement will be governed by, construed and enforced in
accordance with federal law and the laws of the State of California. This Agreement has been
accepted by Lender in the State of California. If there is a lawsuit, Borrower agrees upon
Lender’s request to submit to the jurisdiction of the Courts of San Diego County, State of
California.

No Waiver by Lender. Lender shall not be deemed to have waived any rights under this
Agreement unless such waiver is given in writing and signed by Lender. No delay or omission
on the part of Lender in exercising any right shall operate as a waiver of such right or any
other right. A waiver by Lender of a provision of this Agreement shall not prejudice or
constitute a waiver of Lender’s right otherwise to demand strict compliance with that
provision or any other provision of this Agreement. No prior waiver by Lender, nor any
course of dealing between Lender and Borrower, or between Lender and any Grantor, shall
constitute a waiver of any of Lender’s rights or of any of Borrower’s or any Grantor’s
obligations as to any future transactions. Whenever the consent of Lender is required under
this Agreement, the granting of such consent by Lender in any instance shall not constitute
continuing consent to subsequent instances where such consent is required and in all cases
such consent may be granted or withheld in the sole discretion of Lender.

Notices. Any notice required to be given under this Agreement shall be given in writing, and
shall be effective when actually delivered, when actually received by telefacsimile (unless
otherwise required by law), when deposited with a nationally recognized overnight courier,
or, if mailed, when deposited in the United States mail, as first class, certified or
registered mail postage prepaid, directed to the addresses shown at the beginning of this
Agreement. Any party may change its address for notices under this Agreement by giving
formal written notice to the other parties, specifying that the purpose of the notice is to
change the party’s address. For notice purposes, Borrower agrees to keep Lender informed at
al times of Borrower’s current address. Unless otherwise provided or required by law, if
there is more than one Borrower, any notice given by Lender to any Borrower is deemed to be
notice given to all Borrowers.

Severability. If a court of competent jurisdiction finds any provision of this Agreement to
be illegal, invalid, or unenforceable as to any circumstance, that finding shall not make the
offending provision illegal, invalid, or unenforceable as to any other circumstance. If
feasible, the offending provision shall be considered modified so that it becomes legal,
valid and enforceable. If the offending provision cannot be so modified, it shall be
considered deleted from this Agreement. Unless otherwise required by law, the illegality,
invalidity, or unenforceability of any provision of this Agreement shall not affect the
legality, validity or enforceability of any other provision of this Agreement.

Subsidiaries of Borrower. To the extent the context of any provisions of this Agreement
makes it appropriate, including without limitation any representation, warranty or covenant,
the word “Borrower” as used in this Agreement shall include Borrower’s subsidiary, Tarvin and
Lenehan, Inc. Notwithstanding the foregoing however, under no circumstances shall this
Agreement be construed to require Lender to make any Loan or other financial accommodation to
any of Borrower’s subsidiaries or affiliates.

Successors and Assigns. All covenants and agreements contained by or on behalf of Borrower
shall bind Borrower’s successors and assigns and shall inure to the benefit of Lender and its
successors and assigns. Borrower shall not, however, have the right to assign Borrower’s
rights under this Agreement or any interest therein, without the prior consent of Lender.
Lender shall have the right to assign Lender’s rights under this Agreement without notice to
or consent of Borrower. Borrower hereby waives any privacy rights with respect to any
document or information provided any assignee by Lender in connection with such assignment.

Survival of Representations and Warranties. Borrower understands and agrees that in making
the Loan, Lender is relying on all representations, warranties, and covenants made by
Borrower in this Agreement or in any certificate or other instrument delivered by Borrower to
Lender under this Agreement or the Related Documents. Borrower further agrees that
regardless of any investigation made by Lender, all such representations, warranties and
covenants will survive the making of the Loan and delivery to Lender of the Related
Documents, shall be continuing in nature, and shall remain in full force and effect until
such time as Borrower’s Indebtedness shall be paid in full, or until this Agreement shall be
terminated in the manner provided above, whichever is the last to occur.

Time is of the Essence. Time is of the essence in the performance of this Agreement

Waiver of Jury Trial.  Lender and Borrower hereby waive the right to any jury trial in any
action, proceeding, or counterclaim brought by either Lender or Borrower against the other.

DEFINITIONS. The following capitalized words and terms shall have the following meanings when used
in this Agreement. Unless specifically stated to the contrary, all references to dollar amounts
shall mean amounts in lawful money of the United States of America. Words and terms used in the
singular shall include the plural, and the plural shall include the singular, as the context may
require. Words and terms not otherwise defined in this Agreement shall have the meanings
attributed to such terms in the California Uniform Commercial Code. Accounting words and terms not
otherwise defined in this Agreement shall have the meanings assigned to them in accordance with
generally accepted accounting principles as in effect on the date of this Agreement:

Advance. The word “Advance” means a disbursement of Loan funds made, or to be made, to
Borrower or on Borrower’s behalf on a line of credit or multiple advance basis under the
terms and conditions of this Agreement.

Agreement. The word “Agreement” means this Business Loan Agreement, as this Business Loan
Agreement may be amended or modified from time to time, together with all exhibits and
schedules attached to this Business Loan Agreement from time to time.

Borrower. The word “Borrower” means PET DRx VETERINARY GROUP, INC.

Collateral. The word “Collateral” means all property and assets granted as collateral
security for a Loan, whether real or personal property, whether granted directly or
indirectly, whether granted now or in the future, and whether granted in the form of a
security interest, mortgage, collateral mortgage, deed of trust, assignment, pledge, crop
pledge, chattel mortgage, collateral chattel mortgage, chattel trust, factor’s lien,
equipment trust, conditional sale, trust receipt, lien, charge, lien or title retention
contract, lease or consignment intended as a security device, or any other security or lien
interest whatsoever, whether created by law, contract, or otherwise.

Disbursement Date.  The date the Loan is funded.

Environmental Laws. The words “Environmental Laws” mean any and all local, state, and
federal statutes, regulations and ordinances relating to the protection of human health or
the environment, including without limitation the Comprehensive Environmental Response,
Compensation, and Liability Act of 1980, as amended, 42 U.S.C. Section 9601, et seq.
(“CERCLA”), the Superfund Amendments and Reauthorization Act of 1986, Pub. L. No. 99-499
(“SARA”), the Hazardous Materials Transportation Act, 49 U.S.C. Section 1801, et seq., the
Resource Conservation and Recovery Act, 42 U.S.C. Section 6901, et seq., Chapters 6.5 through
7.7 of Division 20 of the California Health and Safety Code, Section 25100, et seq., or other
applicable state or federal laws, rules, or regulations adopted pursuant thereto.

Event of Default. The words “Event of Default” mean the occurrence and continuance of any of
the events of default set forth in the Default Section of this Agreement after the applicable
cure periods afforded under the Section entitled Right to Cure under the Default Section
hereof.

GAAP. The word “GAAP” means generally accepted accounting principles.

Grantor. The word “Grantor” means each and all of the persons or entities granting a
Security Interest in any Collateral for the Loan, including without limitation all Borrowers
granting such a Security Interest.

Guarantor. The word “Guarantor” means any guarantor, surety, or accommodation party of any
or all of the Loan.

Hazardous Substance(s). The words “Hazardous Substance(s)” mean materials that, because of
their quantity, concentration or physical, chemical or infectious characteristics, may cause
or pose a present or potential hazard to human health or the environment when improperly
used, treated, stored, disposed of, generated, manufactured, transported or otherwise
handled. The words “Hazardous Substances” are used in their very broadest sense and include
without limitation any and all hazardous or toxic substances, materials or waste as defined
by or listed under the Environmental Laws. The term “Hazardous Substances” also includes,
without limitation, petroleum and petroleum by-products or any fraction thereof and asbestos.

Indebtedness. The word “Indebtedness” means the indebtedness evidenced by the Note or
Related Documents, including all principal and interest together with all other indebtedness
and costs and expenses for which Borrower is responsible under this Agreement or under any of
the Related Documents.

Lender. The word “Lender” means HUNTINGTON CAPITAL, L.P., its successors and assigns.

Loan. The word “Loan” means any and all loans and financial accommodations from Lender to
Borrower whether now or hereafter existing, and however evidenced, including without
limitation those loans and financial accommodations described herein or described on any
exhibit or schedule attached to this Agreement from time to time, including but not limited
to any Royalty Rider and/or Warrant Rider.

Note. The word “Note” means the Promissory Note executed by Borrower dated November 2, 2005,
in favor of HUNTINGTON CAPITAL, LP, in the original principal amount of One Million Four
Hundred Thousand Dollars ($1,400,000.00), as well as any other promissory notes executed in
connection with this Agreement, together with all renewals of, extensions of, modifications
of, refinancings of, consolidations of, and substitutions for the notes or credit agreements.

Permitted Liens. The words “Permitted Liens” mean  liens and security interests securing
indebtedness owed by Borrower to Lender; (1) liens for taxes, assessments, or similar charges
either not yet due or being contested in good faith and by appropriate proceedings; (2) liens
of materialmen, mechanics, warehousemen, or carriers, or other like liens arising in the
ordinary course of business and securing obligations which are not yet delinquent; (3)
purchase money liens or purchase money security interests upon or in any property acquired or
held by Borrower in the ordinary course of business to secure indebtedness outstanding on the
date of this Agreement or permitted to be incurred under the paragraph of this Agreement
titled “Indebtedness and Liens”; (4) liens and security interests which, as of the date of
this Agreement, have been disclosed to and approved by the Lender in writing; and (5) those
liens and security interests which in the aggregate constitute an immaterial and
insignificant monetary amount with respect to the net value of Borrower’s assets.

Purchase Agreement. The term “Purchase Agreement” shall mean that certain Stock Purchase
Agreement dated on even date herewith by and between the Borrower and The Tarvin Family Trust
dated December 11, 1992 and The Lenehan-Fujimoto Family Revocable Trust dated June 4, 1986
(collectively, the “Seller”) pursuant to which the Borrower purchases from the Seller all of
issued and outstanding stock of Tarvin & Lenehan, Inc., a copy of which has been previously
provided to Lender.

Related or Loan Documents. The words “Related Documents” or “Loan Documents” mean all
promissory notes, credit agreements, loan agreements, royalty agreements, warrant agreements,
environmental agreements, guaranties, security agreements, mortgages, deeds of trust,
security deeds, collateral mortgages, and all other instruments, agreements and documents,
whether now or hereafter existing, executed in connection with the Loan.

Security Agreement. The words “Security Agreement” mean and include without limitation any
agreements, promises, covenants, arrangements, understandings or other agreements, whether
created by law, contract, or otherwise, evidencing, governing, representing, or creating a
Security Interest.

Security Interest. The words “Security Interest” mean, without limitation, any and all types
of collateral security, present and future, whether in the form of a lien, charge,
encumbrance, mortgage, deed of trust, security deed, assignment, pledge, crop pledge, chattel
mortgage, collateral chattel mortgage, chattel trust, factor’s lien, equipment trust,
conditional sale, trust receipt, lien or title retention contract, lease or consignment
intended as a security device, or any other security or lien interest whatsoever created by
law, contract, or otherwise.

BORROWER ACKNOWLEDGES HAVING READ ALL THE PROVISIONS OF THIS AMENDED AND RESTATED BUSINESS LOAN
AGREEMENT AND BORROWER AGREES TO ITS TERMS. THIS AMENDED AND RESTATED BUSINESS LOAN AGREEMENT IS
DATED MARCH 30, 2009

BORROWER:

PET DRx VETERINARY GROUP, INC.

By:

Name: Harry L. Zimmerman

Authorized Signatory

LENDER:

HUNTINGTON CAPITAL, L.P.,

a California limited partnership

BY: HFMC, Inc.,

a California corporation, its General Partner

BY:

Name: Morgan L. Miller, Jr., President

1

EXHIBIT A

 WARRANT RIDER

EXHIBIT “A”

2

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