Document:

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                                    ITEM 10.2

                    CONVERTIBLE SECURED LOAN PROMISSORY NOTE

$[__________]                                          New York, NY
                                                       Dated: [__________], 2006

     FOR VALUE RECEIVED, GENELINK, INC., a Pennsylvania corporation, having an
address at Newport Financial Center, 113 Povonia Avenue, No. 313, Jersey City,
New Jersey 07310 ("Borrower"), promises to pay to the order of [Lender Name], a
[State] [entity form], having an address at [Lender Address] ("Lender"), the
principal amount of [AMOUNT] DOLLARS ($[___________]), on the Maturity Date set
forth below, with interest on the unpaid balance of such amount from the date
hereof until repaid, at the rate per annum of Twelve Percent (12%). This Note
evidences a loan (the "Loan") made by Lender to Borrower in the original
principal amount hereof and is secured by the Convertible Loan Security
Agreement, dated as of May 12, 2006, (as amended, supplemented or otherwise
modified from time to time, the "Security Agreement"), between Borrower, the
Lender and other Lenders, and First Equity Capital Securities, Inc., a Delaware
corporation, as Administrative Agent, and Karen Levine as Collateral Agent to
grant the Lenders a security interest in the assets owned by Borrower and
described therein.

1. Maturity Date. Unless (i) the maturity of the Loan is accelerated pursuant to
Article VIII Section 2(a) of the Convertible Secured Loan Agreement, dated as of
May 12, 2006 (as amended, supplemented or otherwise modified from time to time,
the "Loan Agreement"), between Borrower, the Lender and other Lenders, and First
Equity Capital Securities, Inc., a New York corporation, as Administrative
Agent, or (ii) the Loan is converted into the Borrower's Common Stock pursuant
to Section 3 below, or (iii) the Loan has been prepaid in full pursuant to
Section 4 below, the entire outstanding principal balance of this Note, together
with all accrued but unpaid interest thereon shall be due and payable to Lender
on May 12, 2011 (the "Maturity Date"). In the event that the Maturity Date is
not a business day, then the Maturity Date shall occur on the next succeeding
business day for all purposes hereof.

2. Interest. Interest shall be paid on the outstanding principal amount of the
Loans in arrears on (i) the first anniversary of the date hereof, (ii) each
subsequent anniversary of the date hereof, so long as any portion of any Loan is
outstanding, and (iii) whenever a principal amount of a Loan is repaid or
prepaid. If any such date occurs on a day that is not a Business Day, it shall
occur on the next succeeding Business Day.

3. Conversion Rights.

(a) Voluntary Conversion Into Common Stock. Lender shall have the right, at its
sole option without any obligation to do so, to tender this Note to Borrower for
conversion into authorized, unregistered Borrower's $.01 par value common stock
("GL Common Stock") in accordance with and under the terms of Article III
Section 2(a)(i) or (b) of the Loan Agreement.

(b) Mandatory Conversion Into Common Stock. All of the Loans outstanding shall
be converted into GL Common Stock automatically in accordance with and under the
terms of Article III Section 2(a)(ii) of the Loan Agreement.

<PAGE>

4. Prepayment. Subject to Article I Section 1(d) of the Loan Agreement, any
principal outstanding under this Note and accrued Interest thereon may be
prepaid, in whole or in part, by the Borrower.

5. Payment. All payments under this Note or any document or instrument
evidencing or providing security for the obligations hereunder (including, but
not limited to this Agreement, the Loan Agreement and the Security Agreement,
the "Loan Documents") shall be paid to Lender, or as Lender may otherwise
direct, by Borrower in lawful money of the United States which shall be legal
tender for the payment of all debts and dues, public and private, at the time of
payment without any counterclaim, set-off or deduction whatsoever (except as
herein expressly provided) and without any prior demand therefor. All payments
under this Note shall be paid by federal funds wire or other transfer of good
and immediately available funds. Until further notice by Lender upon not less
than five (5) Business Days' prior written notice, all payments shall be made to
Lender by a check in funds available on the same day by deposit in a New York
Clearing House member bank sent to Lender's address set forth hereinabove by
overnight courier.

6. Involuntary Rate. In the event any payment of Interest, principal or any
other amount due hereunder or under any other Loan Document shall become
overdue, then, in order to compensate Lender for, among other things, the
expenses incident to handling such delinquent payment and the increased risk and
potential costs incident to the collection of such delinquent payment, such
payment shall immediately bear interest at a rate equal to two percent (2%) over
the Interest Rate (the "Involuntary Rate"), except as otherwise provided herein.

7. Representations And Warranties. Borrower represents and warrants to Lender
that:

(a) It is duly organized, validly existing and has full authority to execute
this Note and perform its obligations hereunder; and

(b) This Note has been duly executed and delivered by an officer thereunto duly
authorized and constitutes a legal, valid and binding obligation of the
Borrower, enforceable according to its terms except as limited by applicable
insolvency or similar laws or equitable principles.

8. Expenses of Collection; Payment of Fees and Other Expenses. Except in the
event that Borrower prevails in an action brought as a result of a failure by
Borrower to make any payment required under the Loan Documents or any Event of
Default by Borrower, Borrower agrees to pay (i) all reasonable costs and
expenses of collection incurred by Lender, in addition to principal and Interest
(including, without limitation, reasonable attorneys' fees and disbursements);
and (ii) all reasonable costs and expenses incurred in connection with (A) the
execution, administration, enforcement or attempted enforcement of this Note or
any of the other Loan Documents and/or (B) the protection of or realization of
any collateral and/or (C) any of Lender's collection efforts, whether or not a
suit on this Note and/or on any of the other Loan Documents or any foreclosure
proceeding is commenced; and all such reasonable costs and expenses shall be
payable five (5) days after demand (and shall be paid with interest thereon at
the Involuntary Rate from the date of demand) and also shall be secured by all
collateral at any time held by Lender as security for Borrower's obligations to
Lender.

9. No Waiver by Lender. No failure on the part of Lender or any other holder
hereof to exercise any right or remedy hereunder, whether before or after the
happening of an Event of

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Default, shall constitute a waiver of such Event of Default, any future Event of
Default or of any other default. No failure to accelerate the debt evidenced
hereby by reason of an Event of Default hereunder, or acceptance of a past due
installment, or indulgence granted from time to time shall be construed to be a
waiver of the right to insist upon prompt payment or to impose late or
delinquency charges thereafter or to impose such charges retroactively (so long
as, with respect to delinquent or retroactive charges, such charges are imposed
within thirty (30) days after receipt of the full amount of any such payment),
nor shall any such failure, acceptance or indulgence be deemed to be a novation
of this Note or a reinstatement of the debt evidenced hereby or a waiver of such
right of acceleration or any other right; nor shall any such failure, acceptance
or indulgence be construed so as to preclude the exercise of any right which
Lender may have, whether by the laws of the state governing this Note, by
agreement or otherwise; and Borrower hereby expressly waives the benefit of any
statute or rule of law or equity which would produce a result contrary to or in
conflict with the foregoing. This Note may not be changed orally, but only by an
agreement in writing signed by the party against whom such agreement is sought
to be enforced.

10. Waiver of Presentment, Protest, Etc. Borrower, for itself and its successors
and assigns, hereby waives presentment, protest, demand, diligence, notice of
dishonor and of nonpayment, to the fullest extent it may lawfully do so.

11. Governing Law; Consent to Jurisdiction.

(a) THIS NOTE SHALL BE GOVERNED BY, AND CONSTRUED AND ENFORCED IN ACCORDANCE
WITH, THE LAW OF THE STATE OF NEW YORK WITHOUT GIVING EFFECT TO ITS CHOICE OF
LAW PRINCIPLES.

(b) THE BORROWER IRREVOCABLY CONSENTS THAT ANY LEGAL ACTION OR PROCEEDING
AGAINST IT UNDER, ARISING OUT OF OR IN ANY MANNER RELATING TO THIS NOTE MAY BE
BROUGHT IN ANY COURT OF THE STATE OF NEW YORK, COUNTY OF NEW YORK, OR IN THE
UNITED STATES DISTRICT COURT FOR THE SOUTHERN DISTRICT OF NEW YORK. THE
BORROWER, BY THE EXECUTION AND DELIVERY OF THIS NOTE, EXPRESSLY AND IRREVOCABLY
ASSENTS AND SUBMITS TO THE PERSONAL JURISDICTION OF ANY OF SUCH COURT IN ANY
SUCH ACTION OR PROCEEDING. BY ITS ACCEPTANCE OF THIS NOTE BY THE HOLDER AND BY
THE EXECUTION HEREOF BY THE BORROWER, EACH AGREES THAT ANY AND ALL LEGAL ACTION
RELATING TO THIS NOTE SHALL BE BROUGHT, AND MAINTAINED, ONLY IN SUCH COURTS. THE
BORROWER FURTHER IRREVOCABLY CONSENTS TO THE SERVICE OF ANY COMPLAINT, SUMMONS,
NOTICE OR OTHER PROCESS RELATING TO ANY SUCH ACTION OR PROCEEDING BY DELIVERY
THEREOF TO IT AT THE ADDRESS SET FORTH ABOVE OR SUCH OTHER ADDRESS AS THE
BORROWER SHALL HAVE THERETOFORE NOTIFIED THE HOLDER HEREOF IN WRITING OR IN ANY
OTHER MANNER PERMITTED BY LAW. IN THE EVENT SERVICE ON THE BORROWER IS EFFECTED
AS SET FORTH IN THE PRECEDING SENTENCE, THE BORROWER HEREBY EXPRESSLY AND
IRREVOCABLY WAIVES ANY CLAIM OR DEFENSE IN ANY SUCH ACTION OR PROCEEDING BASED
ON ANY ALLEGED LACK OF PERSONAL JURISDICTION, IMPROPER VENUE, FORUM NON
CONVENIENS, OR ANY SIMILAR BASIS. THE BORROWER SHALL NOT BE ENTITLED IN ANY
ACTION OR PROCEEDING TO ASSERT ANY DEFENSE GIVEN OR ALLOWED UNDER THE LAWS

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OF ANY STATE OTHER THAN THE STATE OF NEW YORK UNLESS SUCH DEFENSE IS ALSO GIVEN
OR ALLOWED BY THE LAW OF THE STATE OF NEW YORK.

12. Replacement Notes. If this Note is destroyed, mutilated, lost, stolen or
misplaced, Lender shall have no liability whatsoever to Borrower therefor, and
Borrower, immediately upon written request by Lender, shall execute and deliver
to Lender, or any other holder hereof, a new note of the same tenor and date as
this Note and payable to the order of the holder of this Note, upon execution
and delivery to Borrower by Lender of (i) a certificate stating that, to
Lender's knowledge, this Note has been either mutilated, lost, destroyed, stolen
or misplaced, and undertaking to deliver to Borrower, promptly after recovery of
same, the destroyed, mutilated, lost, stolen or misplaced Note, and (ii) an
agreement by Lender in form and substance reasonably satisfactory to Borrower to
indemnify, defend and hold harmless Borrower from all losses and reasonable
costs and expenses, including reasonable attorneys' fees and related client
charges, resulting from the execution and delivery of such new note or any claim
by any purported holder of the original note in respect of this Note. Each new
note issued in substitution for this Note as permitted hereby shall be a valid
obligation of Borrower evidencing the same indebtedness as this Note, and shall
be entitled to all the benefits of this Note to the same extent as this Note.
All costs and expenses of each such substitution, including, without limitation,
expenses of preparation, execution and delivery, shall be paid by Borrower.

13. Successors and Assigns. All covenants and agreements herein shall bind the
respective heirs, successors and assigns of Borrower and Lender, whether so
expressed or not (but this provision is not intended nor shall it be construed
to permit Borrower or Lender to transfer or assign its rights and obligations
hereunder or under any of the other Loan Documents except as permitted by the
provisions hereof or of the other Loan Documents), and all such covenants shall
inure to the benefit of Lender and Borrower and their respective nominees,
heirs, successors and assigns, whether so expressed or not.

14. No Offset. No offset or claim that Borrower now has or in the future may
have against Lender shall relieve Borrower from paying the amounts payable
hereunder or under the other Loan Documents, and no offset or claim whatsoever
shall relieve Borrower from performing its obligations hereunder or under the
other Loan Documents.

15. Severability. Any provision of this Note which is prohibited or
unenforceable in any jurisdiction shall, as to such jurisdiction, be ineffective
to the extent of such prohibition or unenforceability without invalidating the
remaining provisions hereof, and any such prohibition or unenforceability in any
jurisdiction shall not invalidate or render unenforceable such provision in any
other jurisdiction. Where provisions of any law or regulation resulting in such
prohibition or unenforceability may be waived they are hereby waived to the
fullest extent permitted by law so that this Note shall be deemed a valid and
binding agreement enforceable in accordance with its terms.

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<PAGE>

     IN WITNESS WHEREOF, Borrower and Lender have executed this instrument by
their respective duly authorized signatories as of the date first above written.

GENELINK, INC.

/S/ MONTE E. TAYLOR, JR.
-------------------------------------
Monte E. Taylor, Jr.
Acting Chief Executive Officer

[LENDER NAME]

-------------------------------------
By: [Signer]<PAGE>

                                    ITEM 10.3

                       CONVERTIBLE LOAN SECURITY AGREEMENT

     THIS CONVERTIBLE LOAN SECURITY AGREEMENT, dated as of May 12, 2006, is
entered into by and among GENELINK, INC., a Pennsylvania corporation, having an
address at Newport Financial Center, 113 Povonia Avenue, No. 313, Jersey City,
New Jersey 07310 (GeneLink, Inc., together with its subsidiaries, including but
not limited to Dermagenetics, Inc., "Borrower"); THE LENDERS signatory hereto
(each a "Lender" and collectively the "Lenders"); FIRST EQUITY CAPITAL
SECURITIES, INC., a Delaware corporation, having an address at 1776 Broadway,
Suite 1403, New York, N.Y. 10019, as Administrative Agent for the Lenders (the
"Administrative Agent"); and KAREN LEVINE, an individual residing at 170 West
74th Street, New York, New York 10023, as Collateral Agent for the Lenders
("Collateral Agent").

                                    RECITALS:

     A. Borrower, Lenders and the Administrative Agent have entered into that
certain Convertible Secured Loan Agreement, dated as of May 12, 2006 (the "Loan
Agreement;" unless otherwise defined herein, terms defined therein are used
herein as therein defined) pursuant to which Lenders have agreed to make the
Loans in accordance with the terms set forth therein.

     B. It is a condition of the making of the Loans that Borrower execute and
deliver this Security Agreement to Collateral Agent and grant the security
interests set forth herein.

     C. In order to facilitate the administration of transactions contemplated
by this Security Agreement and the other Loan Documents, the Lenders have agreed
that this Security Agreement shall also constitute an intercreditor agreement
among them.

          NOW, THEREFORE, in consideration of the mutual covenants, conditions,
and agreements herein contained, and other good and valuable consideration, the
receipt and sufficiency of which are hereby acknowledged, the parties hereto
agree as follows:

SECTION 1. GRANT OF SECURITY INTEREST. Borrower hereby grants to Collateral
Agent, for the benefit of the Lenders, a first priority security interest in and
lien on (which security interest and lien shall be continuing), and pledges and
assigns as security to Collateral Agent, all of Borrower's right, title and
interest in and to all of Borrower's real and personal assets, whether tangible
or intangible, now owned or hereafter acquired (collectively, the "Collateral"),
for the purpose of securing, in such order of priority as Collateral Agent shall
elect, all Loans, Interest and other fees, costs and obligations of Borrower
arising from the making of the Loans and the execution and performance of this
Agreement, the Convertible Secured Promissory Notes, dated as of May 12, 2006
and thereafter (the "Notes"), and the other Loan Documents (collectively the
"Indebtedness"). As examples and not as a limitation, the Collateral shall
include:

(a)  Cash and Marketable Securities. All cash, cash equivalents and marketable
     securities held by or on behalf of Borrower.

(b)  Accounts Receivable. All rights to payment, whether or not earned by
     performance, including, but not limited to, payment for property or
     services sold, leased, rented, licensed, or assigned. This includes any
     rights and interests (including all items) which

<PAGE>

     Borrower may have by law or assignment against any account debtor or
     obligor of Borrower.

(c)  Raw Materials, Work-in-Process and Inventory. All inventory held for
     ultimate sale or lease, or which has been or will be supplied under
     contracts of service, or which are raw materials, work in process, or
     materials used or consumed in Borrower's business.

(d)  Furniture, Fixtures and Equipment. All equipment including, but not limited
     to, machinery, vehicles, furniture, fixtures, manufacturing equipment,
     computers and office equipment, parts and tools.

(e)  Instruments and Chattel Paper. All instruments, including negotiable
     instruments and promissory notes and any other writings or records that
     evidence the right to payment of a monetary obligation, and tangible and
     electronic chattel paper.

(f)  Patents and Patent Applications. All the Borrower's right, title and
     interest in and to patents and applications for patents, including without
     limitation the right to sue for past infringement and damages therefor, and
     licenses thereunder, all as presently existing or hereafter arising or
     acquired, including without limitation the patents and applications for
     patents listed on Schedule 1 hereto and any divisions, continuations,
     continuations-in-part, reissues or corresponding foreign patents and patent
     applications.

(g)  Other General Intangibles. All other general intangibles including, but not
     limited to, tax refunds, copyrights, trademarks, trade secrets, goodwill,
     trade names, customer lists, permits and franchises, payment intangibles,
     computer programs and all supporting information provided in connection
     with a transaction relating to computer programs, and the right to use the
     name of Borrower and any subsidiary of borrower.

(h)  Documents. All documents of title including, but not limited to, bills of
     lading, dock warrants and receipts, and warehouse receipts.

(i)  Government Payments and Programs. All payments, rights to payments,
     accounts, general intangibles, and benefits including, but not limited to,
     the New Jersey Tax Transfer Commitment and all other payments in kind,
     deficiency payments, letters of entitlement, warehouse receipts, storage
     payments, emergency assistance and diversion payments, production
     flexibility contracts, and conservation reserve payments under any
     preexisting, current, or future federal or state government program.

(j)  Investment Property. All investment property including, but not limited to,
     certificated securities, uncertificated securities, securities
     entitlements, securities accounts, commodity accounts and financial assets.

(k)  Deposit Accounts. All deposit accounts including, but not limited to,
     demand, time, savings, passbook, and similar accounts.

(l)  Other Contract Rights. All rights of Borrower under contracts with third
     parties other than for the payment of money.

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(m)  Proceeds. All proceeds, rents, royalties, products, dividends and
     distributions arising or resulting from the use, license, lease or sale of
     any of the above.

SECTION 2. REPRESENTATIONS OF BORROWER. Borrower represents to the Collateral
Agent and each Lender that:

(a)  Validity and Enforceability. This Agreement, the Notes, the Loan Agreement
     and each other document and instrument to be delivered by it under or in
     respect of any Loan Document have been duly authorized by all necessary
     corporate action on the part of Borrower; and when delivered by it
     hereunder, each thereof will have been duly executed by it and will
     constitute the valid and legally binding obligation of Borrower,
     enforceable against it in accordance with its terms except as such
     enforceability may be limited by insolvency or similar laws or principles
     of equity.

(b)  No Conflicts with Contracts or Law. This Agreement, the Notes, the Loan
     Agreement and each other document and instrument to be delivered by it
     under or in respect of any Loan Document are not inconsistent with the
     terms of Borrower's certificate of incorporation or by-laws, and that the
     execution, delivery and performance hereof and thereof do not and will not
     violate law or breach or result in a material default under any material
     agreement to which Borrower (or any subsidiary of Borrower) is a party or
     by which any of its (or their) assets are bound.

(c)  Priority of Security Interests. Except as set forth in Schedule 2 hereto,
     the security interests purported to be created hereby are legal, valid and
     perfected first priority security interests on all assets as to which they
     are purported to attach.

(d)  No Further Steps Necessary to Perfect. Except as set forth in Schedule 3
     hereto, no further action is necessary to be taken by Borrower, Collateral
     Agent or any other party or governmental or similar authority in order to
     perfect any of the security interests purported to be created hereby.

SECTION 3. COVENANTS OF BORROWER

(a)  No Sales, Transfers, Liens or Assignments. Except as expressly permitted
     under this Agreement or the other Loan Documents, Borrower agrees that it
     will not, except in the ordinary course of business, without the prior
     written consent of Collateral Agent, (i) sell, assign (by operation of law
     or otherwise) or otherwise dispose of any of the Collateral or any interest
     in the Collateral other than in the ordinary course of business, or (ii)
     create or suffer to exist any lien, security interest, encumbrance or other
     charge upon or with respect to any Collateral; it being understood,
     however, that, subject to the proviso in Section 7(a) below, Collateral
     Agent shall not unreasonably withhold such consent, and shall grant such
     consent whenever Collateral Agent is advised by the Administrative Agent
     that the Lenders have consented thereto.

(b)  Prior Notice. Borrower will give Collateral Agent prior written notice of
     any change in its address or the office where it keeps its records
     concerning the Collateral.

(c)  Defense of Title. Borrower shall, at its expense, defend the Collateral
     Agent's right, title and security interest in and to the Collateral against
     any and all claims of any entity,

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     except to the extent arising out of Collateral Agent's gross negligence or
     willful misconduct.

(d)  Further Actions. Borrower shall not take or fail to take any action when
     reasonably requested by Collateral Agent, or expressly required by the Loan
     Documents, to do so which would avoid or limit the impairment of the
     validity or enforceability of Collateral Agent's security interest in any
     Collateral.

SECTION 4. INDEMNITY. Borrower shall indemnify, defend and hold harmless
Collateral Agent, Administrative Agent and each Lender from and against any and
all claims, losses and liabilities growing out of or resulting from this
Agreement, including, without limitation, (i) enforcement of any right under
this Agreement and (ii) any liability for taxes in respect of income from any
Collateral received by or on behalf of Borrower.

SECTION 5. DEFAULTS; REMEDIES.

(a)  Defaults. Each of the following shall constitute a "Default" under this
     Agreement:

     (i) Administrative Agent shall advise Collateral Agent that an Event of
     Default has occurred and is continuing under the Loan Agreement; or

     (ii) Borrower shall fail to perform any obligation required hereunder
     within ten (10) business days of receiving notice of such failure by the
     Collateral Agent; or

     (iii) Any representation of Borrower made in Section 2 above shall prove to
     have been untrue in any material respect when made.

(b)  Remedies. Upon the happening of any Default, Collateral Agent shall have
     the right, if such Default shall then be continuing, in addition to all of
     the remedies conferred upon Collateral Agent by law or equity or by the
     terms of any of the Loan Documents to exercise in respect of the
     Collateral, on behalf of the Lenders all of the rights and remedies of a
     secured party in default under the Uniform Commercial Code of the State of
     New York, and each other State with applicable jurisdiction, then in
     effect.

(c)  Interim Use of Intellectual Property. Pending appropriate disposition of
     the Collateral in accordance herewith, upon the occurrence and during the
     continuance of a Default, Collateral Agent shall have the exclusive right,
     but not the duty, with respect to all Intellectual Property that is part of
     the Collateral, from time to time to enforce or use all or any part of the
     Intellectual Property or to grant or issue any exclusive or non-exclusive
     license under the Intellectual Property to any third party, upon such terms
     as it may in its sole discretion deem commercially reasonable.

SECTION 6. APPOINTMENT OF COLLATERAL AGENT AS ATTORNEY-IN-FACT. Borrower hereby
irrevocably appoints Collateral Agent as Borrower's attorney-in-fact and agent,
said appointment to be irrevocable during the term hereof and to be coupled with
an interest, with full authority in the place and stead of Borrower and in the
name of Borrower, upon the occurrence of a Default and acceleration to take any
action and to execute any instrument which Collateral Agent, in its sole
discretion, may deem necessary to perfect or protect the first priority
perfected security interest created hereby, including, without limitation by
means of executing

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and delivering financing and continuation statements and any extensions,
modifications and refilings thereof, with the right (but not the duty) from time
to time to create, prepare, complete, execute, deliver, endorse or file, in the
name and on behalf of Borrower, any and all instruments, documents, applications
and other agreements and writings required to be obtained, executed, delivered
or endorsed by Borrower to give effect to the matters contemplated by this
Agreement, including, without limitation, pursuant to Section 5(c) above, or
necessary as the secured party after a Default. Borrower hereby ratifies all
that such attorney shall lawfully do or cause to be done by virtue hereof. The
power of attorney granted herein shall terminate upon the payment and
performance of all Indebtedness under the Loan Documents.

SECTION 7. COLLATERAL AGENT.

(a)  Appointment of Collateral Agent. By its execution hereof, each Lender
     hereby designates and appoints Karen Levine as its agent to receive on its
     behalf the grant of security and assignment of interest in the Collateral
     to secure Borrower's repayment of the principal and interest of the Loan
     made by such Lender, and all other Indebtedness to such Lender in respect
     of its Loan and this Agreement and the other Loan Documents (the "Security
     Interest"). By her acceptance hereof, Karen Levine accepts such designation
     and appointment and agrees to act as the agent for each Lender pro rata as
     its interest may appear in (i) accepting and holding the Security Interest,
     (ii) protecting and defending the Security Interest, (iii) enforcing the
     rights conferred upon the Collateral Agent by this Agreement against the
     Collateral, and (iv) distributing the proceeds from the realization of such
     enforcement among the Lenders according to their respective Sharing
     Percentages. For all purposes hereof, each Lender's "Sharing Percentage"
     shall initially be the Sharing Percentage set forth next to such Lender's
     name on Schedule 1, as amended from time to time, of the Loan Agreement.
     Collateral Agent agrees that it will comply with the terms hereof and
     exercise reasonable care to assure the safe custody of the Collateral under
     its control and in carrying out its other duties under this Agreement;
     provided, however, that Collateral Agent may at any time and from time to
     time condition its undertaking of any action or executing any document upon
     the provision to it by Borrower and/or the Lenders of such assurances or
     financial accommodations as it may reasonably determine to be necessary for
     the protection of its interest.

(b)  Substitution of Collateral Agent. If either (a) Collateral Agent notifies
     Borrower and the Administrative Agent that it wishes to resign as
     Collateral Agent or (b) Borrower and Administrative Agent notify Collateral
     Agent that they jointly wish to replace Collateral Agent with another
     entity as such, upon providing reasonable notice in the circumstances
     thereof, Collateral Agent shall assign its rights hereunder to a substitute
     Collateral Agent, who shall become thereafter "Collateral Agent" hereunder
     for all purposes; provided, however, that the indemnity provided by
     subsection (c) below shall thereafter be for the full and complete benefit
     of both the original Collateral Agent and such substitute Collateral Agent;
     and provided further, that if Collateral Agent chooses to resign and
     Borrower and Administrative Agent do not jointly designate a successor
     Collateral Agent within a reasonable time in the circumstances, the
     Administrative Agent shall have the exclusive right to so designate a
     substitute; and if Administrative Agent fails to so designate a substitute
     willing to accept such assignment, Collateral Agent shall be entitled,
     although not obligated, to assign all its rights and obligations hereunder
     to Administrative Agent.

                                       5
<PAGE>

(c)  Indemnification of Collateral Agent; Standard of Care. Notwithstanding the
     indemnity of Borrower provided hereinabove, each Lender, severally
     according to its Sharing Percentage, hereby agrees to indemnify, defend and
     hold harmless the Collateral Agent from and against any and all claims,
     losses and liabilities growing out of or resulting from this Agreement,
     including, without limitation, (i) enforcement of any right under this
     Agreement and (ii) any liability for taxes in respect of income from any
     Collateral received by or on behalf of Borrower. Collateral Agent shall be
     at all times indemnified and be protected hereunder for any action taken or
     document executed by her with respect to which she has reason to believe
     that she had received the written instruction or approval of the
     Administrative Agent or of Lenders with Sharing Percentages of at least
     fifty-one percent (51%), except to the extent of her willful misconduct or
     gross negligence. This indemnification obligation of Borrower and each
     Lender (x) shall survive the termination of the grant of the Security
     Interest herein and other termination of this Agreement, (y) is absolute
     and unconditional except as expressly set forth herein, and (z) is not
     subject to offset or recoupment in any way.

SECTION 8. INTERCREDITOR AGREEMENT. By its execution hereof, each Lender hereby
agrees to and for the exclusive benefit of each other Lender that:

(a)  It will not seek to enforce its Loan or Note against the Collateral or
     otherwise without providing the other Lenders at least fifteen (15)
     business days' prior written notice thereof, and will desist from taking
     any enforcement action if so requested in writing by other Lenders with
     Sharing Percentages totaling at least 51%; provided, however, that if the
     underlying Default with respect to which it sought to enforce its Loan or
     Notes is not cured within thirty (30) days after having received such a
     desist request, it shall be able to take such enforcement action on its own
     behalf as it deems necessary or appropriate.

(b)  If any Lender receives from Borrower or any third party any payment in cash
     or property in respect of its Loan or Note, whether by direct payment,
     enforcement action or otherwise, other than in a distribution which it has
     valid reason to believe was made pro rata to all Lenders according to their
     respective Sharing Percentages, such Lender shall hold such payment IN
     TRUST for all the Lenders and use commercially reasonable efforts to assure
     that each Lender receives directly from such Lender or from Borrower or
     such third party either additional funds or such portion of the payment
     received by such Lender (net of costs of administration thereof) as to
     cause each Lender to receive its Sharing Percentage of such payment.

SECTION 9. MISCELLANEOUS.

(a)  Notices. Except as otherwise expressly provided herein, any communications,
     requests or notices required or appropriate to be given under this
     Agreement, whether or not stated herein to be "in writing" or "written",
     shall be in writing and either personally delivered, delivered by overnight
     courier, or mailed by certified, registered, or express mail, return
     receipt requested, deposited in the United States mail postage prepaid,
     addressed to the party for whom the notice is intended as follows:

                                       6

<PAGE>

     To Borrower:             GENELINK, INC.
                              Newport Financial Center
                              113 Povonia Avenue, No. 313
                              Jersey City, New Jersey 07310
                              Attn: Monte Taylor, Jr., President
                              Telephone: 407-260-1989
                              E-mail: mtaylor@genelink.info

     To Collateral Agent:     KAREN LEVINE
                              170 West 74th Street, Apt. 509
                              New York, New York 10023
                              Telephone: 212-579-3065
                              E-mail: KarenLevine2005@aol.com

     To Administrative Agent:

                              FIRST EQUITY CAPITAL SECURITIES, INC.
                              1776 Broadway, Suite 1403
                              New York, New York 10019
                              Telephone: 212-765-9710
                              E-mail: KENLEV02@cs.com

     To each Lender:          To their respective address set forth above or as
                              otherwise notified to the Collateral Agent and the
                              other Lenders.

     These addresses may be changed by notice as provided herein. All notices
shall be deemed to have been received on the earlier of actual receipt (as
evidenced in the case of electronic mail by an electronic receipt message), or,
if given by mail, four (4) business days following the postmark date thereof
unless sent by overnight mail in which event they shall be deemed to have been
received one (1) business day following the date of sending thereof.

(b)  No Waivers; Approvals. Any failure by Borrower or Collateral Agent to
     insist, or election by either party not to insist, upon the strict
     performance of any of the terms and provisions of this Agreement, shall not
     be deemed to be a waiver of any of the terms and provisions hereof by such
     party, and such party, notwithstanding any such failure(s), shall have the
     right thereafter to insist upon the strict performance by the other party
     of any and all of the terms and provisions of this Agreement to be
     performed by the other party. The parties hereby specifically agree that no
     provision of this Agreement can be waived by course of conduct.

(c)  Further Assurances.

     (i) Borrower agrees that at any time and from time to time, at its expense,
     it will promptly execute and deliver all further instruments and documents
     and take all further actions as Collateral Agent may reasonably request in
     order to perfect and protect any assignment, pledge, lien and security
     interest purported to be created hereby or to effectuate the terms of this
     Agreement.

                                       7

<PAGE>

     (ii) Borrower hereby authorizes Collateral Agent to file, whether or not a
     Default shall have occurred without the signature of Borrower where
     permitted by law, one or more financing or continuation statements, and
     amendments thereto, relating to the Collateral.

(d)  Governing Law. This Agreement shall be governed by, and construed and
     enforced in accordance with, the law of the State of New York, except to
     the extent the law of another jurisdiction is required to control the
     validity, attachment and/or perfection of any security interest granted
     hereunder by the choice of law principles of the Uniform Commercial Code of
     the State of New York.

(e)  Jurisdiction; Service of Process. Borrower irrevocably consents that any
     legal action or proceeding against it under, arising out of or in any
     manner relating to this agreement may be brought in any court of the State
     of New York, County of New York, or in the United States District Court for
     the Southern District of New York. Borrower, by the execution and delivery
     of this agreement, expressly and irrevocably assents and submits to the
     personal jurisdiction of any of such Court in any such action or
     proceeding. Each of Borrower, Collateral Agent and the Lenders agrees that
     any and all legal action relating to the interpretation or effect of
     Agreement based on in personam jurisdiction shall be brought, and
     maintained, only in such Courts; it being understood that Collateral Agent
     shall have recourse to any competent court to enforce any Security Interest
     against any Collateral in rem. The Borrower further irrevocably consents to
     the service of any complaint, summons, notice or other process relating to
     any such action or proceeding by delivery thereof to it at the address set
     forth above or such other address as Borrower shall have theretofore
     notified the Collateral Agent in writing or in any other manner permitted
     by law. In the event service on Borrower is effected as set forth in the
     preceding sentence, Borrower hereby expressly and irrevocably waives any
     claim or defense in any such action or proceeding based on any alleged lack
     of personal jurisdiction, improper venue, forum non conveniens, or any
     similar basis. Borrower shall not be entitled in any action or proceeding
     to assert any defense given or allowed under the law of any State other
     than the State of New York unless such defense is also given or allowed by
     the law of the State of New York.

(f)  Severability. Any provision of this Agreement which is prohibited or
     unenforceable in any jurisdiction shall, as to such jurisdiction, be
     ineffective to the extent of such prohibition or unenforceability without
     invalidating the remaining provisions hereof, and any such prohibition or
     unenforceability in any jurisdiction shall not invalidate or render
     unenforceable such provision in any other jurisdiction. Where provisions of
     any law or regulation resulting in any such prohibition or unenforceability
     may be waived they are hereby waived by the parties hereto to the full
     extent permitted by law so that this Agreement shall be deemed a valid,
     binding agreement, enforceable in accordance with its terms.

(g)  Continuing Security Interest; Successors and Assigns; Termination.

     (i) This Agreement shall create a continuing security interest in the
     Collateral and shall (A) remain in full force and effect until the
     satisfaction and repayment of all Obligations shall have occurred, (B) be
     binding on and inure to the benefit of Borrower and its permitted
     successors and assigns, and (C) with respect to Collateral Agent, be

                                       8

<PAGE>

     binding on and inure, together with all rights and remedies of Collateral
     Agent hereunder, to the benefit of, Collateral Agent and her successors,
     transferees and assigns. Notwithstanding the foregoing, each of Borrower
     and Collateral Agent, as the case may be, may only assign or otherwise
     transfer any of its rights hereunder to a party to whom all of its rights
     and obligations under the Loan Documents are assigned and provided such
     party assumes all of such obligations, and upon such assumption, such other
     party shall thereupon become vested with all of the benefits in respect of
     each of Borrower and Collateral Agent, as the case may be, herein or
     otherwise. Except as provided in the preceding sentence, none of the rights
     or obligations of Borrower and Collateral Agent hereunder may be assigned
     or otherwise transferred.

     (ii) Upon the payment and performance in full of all Indebtedness,
     Collateral Agent shall, upon the written request of and at the sole expense
     of Borrower, deliver the Collateral under her control to Borrower (together
     with all documents reasonably requested by Borrower to transfer the
     Collateral under her control to Borrower and to terminate any instrument of
     record confirming the Borrower's rights in the Collateral under her
     control).

(h)  Cross-Default. Any Default under this Agreement shall be deemed to be an
     Event of Default under each of the other Loan Documents, entitling
     Collateral Agent, subject to the express restrictions, if any, contained
     therein, to exercise any or all remedies available to Collateral Agent
     under the terms of any or all such Loan Documents in accordance with the
     terms of such documents.

(i)  Survival. All of the representations, warranties, terms, covenants,
     agreements and conditions contained in this Agreement shall specifically
     survive the execution and delivery of this Agreement and the other Loan
     Documents and shall, unless otherwise expressly provided, continue in full
     force and effect until the Loan, together with Interest thereon, and all
     other costs, charges and other sums payable hereunder or thereunder, are
     paid in full.

(j)  Counterparts. This Agreement may be executed in any number of counterparts
     each of which shall be deemed an original but all of which together shall
     constitute a single instrument.

(k)  Entire Agreement. This Agreement and the documents referred to herein
     constitute the entire agreement between the parties hereto as to the
     matters contemplated herein and therein and this Agreement may not be
     modified or amended in any manner other than by written agreement executed
     by the parties against whom enforcement of such modification or amendment
     shall be sought.

(l)  No Release; Waiver or Election of Remedies. Anything in this Agreement to
     the contrary notwithstanding, (i) the exercise by the Collateral Agent of
     any of her rights hereunder shall not release the Borrower from its
     obligations under the Loan Documents, nor shall it constitute an election
     of remedies by Collateral Agent or a waiver by the Collateral Agent of any
     of her rights and remedies under the Loan Documents, and (ii) the
     Collateral Agent shall not be obligated to perform any of the obligations
     or duties of the Borrower hereunder or to take any action to collect or
     enforce any claim for payment assigned hereunder.

                                       9

<PAGE>

(m)  Attorneys' Fees. Except in the event that Borrower prevails in any action
     brought as a result of the failure by Borrower to make any payment required
     under the Loan Documents or any Event of Default by Borrower, Borrower
     agrees to pay (i) all reasonable costs and expenses of collection incurred
     by Lender, in addition to principal and Interest (including, without
     limitation, reasonable attorneys' fees and disbursements); and (ii) all
     reasonable costs and expenses incurred in connection with (A) the
     execution, administration, enforcement or attempted enforcement of this
     Note or any of the other Loan Documents and/or (B) the protection of or
     realization of any collateral and/or (C) any of Lender's collection
     efforts, whether or not a suit on this Note and/or on any of the other Loan
     Documents or any foreclosure proceeding is commenced; and all such
     reasonable costs and expenses shall be payable five (5) days after demand
     (and shall be paid with interest thereon at the Involuntary Rate from the
     date of demand) and also shall be secured by all collateral at any time
     held by Lender as security for Borrower's obligations to Lender.

                                       10

<PAGE>

IN WITNESS WHEREOF, the parties hereto caused this Agreement to be executed as
of the day and year first above written.

                                        GENELINK, INC.

                                        By: /s/ Monte E. Taylor, Jr.
                                            ------------------------------------
                                        Its: Acting Chief Executive Officer

DAVID BARRETT, INC.

By: /s/ Barry Plost
    ---------------------------------
Its: President

ROBERT HOEKSTRA

/s/ Robert Hoekstra
-------------------------------------

BERNARD L. KASTEN JR.

/s/ Bernard Kasten, Jr.
-------------------------------------

JAMES KREISSMAN

/s/ James Kreissman
-------------------------------------

STRANCO INVESTMENTS, LTD.

By: /s/ Gazwa Yousif
    ---------------------------------
Its: Director

KENNETH R. LEVINE

/s/ Kenneth R. Levine
-------------------------------------

BURDICK CAPITAL MANAGEMENT, INC.

By: /s/ Jerry Burdick
    ---------------------------------

                                       11

<PAGE>

THOMAS TIRNEY

/s/ Thomas Tirney
-----------------------------------------

WABA VENTURES LTD

/s/ Jennifer Stevens
-----------------------------------------

COLLATERAL AGENCY ACCEPTED AND AGREED TO:

/s/ Karen Levine
-----------------------------------------
KAREN LEVINE

                                       12

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