Document:

EXHIBIT 10.11

RELIV INTERNATIONAL, INC.        148671-1089253                       IIII/sd/pb

                             MODIFICATION AGREEMENT

     THIS AGREEMENT,  made and entered into as of the 1st day of March,  2001 by
and  between  SOUTHWEST  BANK  OF  ST.  LOUIS,   whose  address  is  2301  South
Kingshighway,  St.  Louis,  Missouri  63110-3498  (hereinafter  referred  to  as
"Southwest")  and RELIV'  INTERNATIONAL,  INC.  whose  address is P.O.  Box 405,
Chesterfield, MO 63006-0405 (hereinafter referred to as "Borrower).

                                   WITNESSETH

WHEREAS,  Borrower has  executed a certain  Note dated  September 2, 1997 in the
original amount of  $4,430,000.00  secured by a Deed of Trust dated September 2,
1997 and recorded in Book 11284 Page 0095 in the office of the Recorder of Deeds
of the County of St. Louis, State of Missouri; and

     WHEREAS,  Southwest is the present  holder of the  aforementioned  Note and
Deed of Trust; and

     WHEREAS, Borrower has requested Southwest to modify said Note; and

     WHEREAS,  Southwest is, subject to certain conditions  hereinafter set out,
willing to modify said Note.

     NOW,  THEREFORE,  in  consideration  of the mutual  promises and agreements
herein contained, the parties agree as follows:

     1.   The outstanding  principal  balance under the Note as of March 1, 2001
          is $4,151,692.95.

     2.   The  maturity  date of note  shall be  extended  from March 1, 2001 to
          March 1, 2004.

     3.   Borrower agrees that commencing  April 1, 2001, it shall make payments
          of principal and interest in the amount of  $38,802.13  monthly and on
          the 1st day of each succeeding  month  thereafter with all outstanding
          principal  and  interest  due on March 1, 2004.  A late  charge in the
          amount of 10% of the monthly  installment  will be assessed if payment
          is 30 days late, but in no event not less that $10.00.

     4.   The interest  rate shall remain the same at 8.50%,  per annum,  fixed,
          and after maturity, by acceleration or otherwise, at a rate of 20.00%,
          per annum, fixed.

     5.   Nothing  contained herein shall impair the security of Southwest,  its
          successors or assigns under said Note and Deed of Trust nor effect, or
          impair any rights or power  which it may have under said Note and Deed
          of Trust  for the  recovery  of the  debt,  with  interest.  Except as
          expressly  provided  herein,  the parties hereto  acknowledge that all
          conditions,  covenants and agreements  contained in said Note and Deed
          of Trust are hereby continued in full force and effect,  and said Deed
          of Trust  shall be and  remain a lien upon the real  estate  described
          therein until the principal and interest provided for in said Note and
          Deed of Trust are fully paid.

     6.   If any  payment  of  principle  and  interest  is not paid when due as
          described  herein such failure  shall  constitute a default  under the
          Note  and  Deed  of  Trust,  or if  there  is a  default  in  the  due
          performance of any of the covenants and  obligations  contained in the
          Deed of Trust.

<PAGE>

     7.   Borrower  certifies and represents  that it has no defenses,  offsets,
          credits,  or counterclaims  against Southwest to its obligations under
          the Note and Deed of Trust and that Southwest has fulfilled all of its
          obligations, covenants and warranties under the Note and Deed of Trust
          and  is  not  in  default  of  any  such  obligations,   covenants  or
          warranties.

     8.   This  modification  shall  be  binding  upon  the  heirs,   executors,
          administrators,  legal representatives,  successors and assigns of the
          parties hereto.

     IN WITNESS WHEREOF, the parties hereto have subscribed their names this 1st
     day of March, 2001.

     Property Address:                           RELIV INTERNATIONAL, INC.
     112 & 136 Chesterfield Industrial Blvd.
     2nd and 3rd Deed of Trust

     Maturity Date:                             By: /s/ Robert L. Montgomery
                                                    ----------------------------
     March 1, 2004                              Name:Robert L. Montgomery
     -------------                                   ---------------------------
                                                Its:     President
                                                    ----------------------------

                                                By: /s/ Steven D. Albright
                                                    ----------------------------
                                                Name:    Steven D. Albright
                                                     ---------------------------
                                                Its:     Controller
                                                    ----------------------------

                                                SOUTHWEST BANK OF ST. LOUIS

                                                By: /s/ Hord Hardin, II
                                                    ----------------------------
                                                Name:    Hord Hardin, II
                                                     ---------------------------
                                                Its:   Senior Vice President
                                                    ----------------------------EXHIBIT 10.16

                                    AGREEMENT

     THIS  AGREEMENT  is made this 1st day of March,  2001,  by and among Reliv'
International,  Inc.,  a Delaware  corporation  ("Reliv'")  with  offices at 136
Chesterfield   Industrial   Boulevard,   Chesterfield,   Missouri   and   Hydron
Technologies,  Inc.,  a New York  corporation  ("Hydron")  with  offices at 1001
Yamato Road, Suite 403, Boca Raton, Florida.

     WHEREAS,  Reliv' is engaged in the business of  developing,  manufacturing,
marketing and selling food and nutritional products;

     WHEREAS,  Hydron is engaged in the business of developing,  formulating and
selling skin care products;

     WHEREAS,  Hydron has a license  agreement ("NPD  Agreement")  with National
Patent  Development   Corporation  dated  November  30,  1989,  to  use  certain
proprietary  technology  (herein  referred  to as the  "Polymer")  which  Hydron
believes has beneficial effects for improving and maintaining the appearance and
condition of skin;

     WHEREAS,  Hydron has  developed and owns certain  patented skin  technology
which is a delivery system that implements the licensed Polymer; and

     WHEREAS,  Reliv' and Hydron  desire to enter into an agreement  pursuant to
which Hydron will formulate,  have  manufactured and sell to Reliv' certain skin
care  products that contain  Hydron's  proprietary  technology  according to the
mutually agreed specifications of Reliv and Hydron.

     NOW,  THEREFORE,  in  consideration  of the  premises  and  of  the  terms,
covenants and  conditions  hereinafter  contained,  the parties  hereto agree as
follows:

     1.  Definitions.  When used in this Agreement,  each of the following terms
shall have the meaning set forth in this paragraph:

          1.1 "Technology" shall mean formulas for improving and maintaining the
     appearance and condition of skin and shall include, without limitation, the
     composition, formula, components or ingredients of any Commercial Product.

          1.2  "Patents"  shall mean and  include  any and all patents or patent
     applications,  and any division or  continuation  in part,  now existing or
     hereafter  prepared,  filed, issued or obtained which, in whole or in part,
     covers,  concerns,  incorporates,  deals with or relates to any part of the
     Technology.  Without  limitation,  the term "Patents" includes (i) the skin
     treatment  preparation  with United States Patent Number  4,883,659,  dated
     November 28, 1989 and (ii) the skin  tightening  formulation and method for
     treating skin with United States Patent

<PAGE>

     Number 5,879,684,  dated March 9, 1999 (collectively  referred to herein as
     the "Hydron Patents").

          1.3   "Commercial   Product"   means  only  the  skin  care   products
     manufactured  by or for  Hydron  and  marketed  and sold  under  the  Reliv
     trademark and formulas and utilizing the Technology and Know-How.

          1.4 "Field" means articles  intended for application to the human body
     for  cleansing,  beautifying,  promoting  attractiveness  or  altering  the
     appearance.

          1.5  "Know-How"  shall mean and include all  information,  techniques,
     methods, formulas or sources concerning or relating to: (1) applications of
     the  Technology  to the  Field  or  (2)  any  of  the  Commercial  Products
     hereunder,  including without limitation,  their composition,  formulation,
     ingredients, production, sources of supply or packaging thereof.

          1.6  "Multilevel  Marketing"  or  "MLM"  shall  mean and  include  any
     organization,   structure,  marketing  or  sales  method  or  technique  or
     procedure  by which  products  are sold to  consumers  through a network of
     independent  distributors.  Multilevel  Marketing  shall not include  sales
     through retail stores, or marketing programs principally intended for sales
     through  retail  stores or catalogue  sales or direct sales  through  media
     campaigns utilizing television, radio or print advertising.

          1.7  "Rights"  shall mean and include any and all  Patents,  Know-How,
     trade secrets,  or other proprietary rights of any kind or nature,  whether
     or not  patentable,  relating  to, or  utilized  in  connection  with,  the
     Technology or any of the Commercial Products.

          1.8 "Polymer"  shall mean the ingredient  patented by National  Patent
     Development  Corporation  ("NPD")  which Hydron has a license to use within
     its Technology.

     2. Exclusivity.  Subject to and on the terms and conditions hereof,  Hydron
agrees to develop and  manufacture  and Reliv agrees to purchase from Hydron its
requirements for Commercial Products and to market and sell such products solely
through MLM.

          2.1  Reliv's  rights  to sell the  Commercial  Products  or any  other
     products utilizing the Rights shall be exclusive during the term hereof for
     Reliv's MLM  business  and Hydron  shall not retain,  sell or transfer  any
     right,  interest or license in or to any of the Commercial  Products or any
     other products  utilizing the Rights in the Field to any company engaged in
     MLM.

          2.2 Except as may be otherwise  expressly  provided in this Agreement,
     this Agreement  shall not prohibit,  restrict or limit the rights of Hydron
     to use or practice,  produce or sell  products  utilizing the Rights (other
     than for any other

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     company  engaged in MLM) or any other  intellectual  property  rights which
     Hydron may have.

          2.3 Reliv  does not have the right to resell the  Commercial  Products
     other than to its  independent  distributors  without the  express  written
     consent  of  Hydron.  However,  Reliv  shall  have the power to resell  the
     Commercial  Products to its  foreign  subsidiaries  that  promote the Reliv
     business solely through MLM.

     3. Product Line, Production, and Product Development.

          3.1 Hydron will develop a combination of Commercial Products utilizing
     the  Technology  and formulated to  specifications  approved by Reliv.  The
     initial Commercial Products include:

          (a)  A hydrating face and body bar;

          (b)  A daytime moisturizer;

          (c)  A fragile, anti-wrinkle eye cream;

          (d)  An anti-aging skin clarifier; and

          (e)  A nightime defensive cream and moisturizer.

          3.2 Hydron  shall  arrange for the  manufacture  and  packaging of the
     Commercial  Products.   All  of  the  articles  shall  be  manufactured  in
     accordance with mutually  agreed  specifications  under Good  Manufacturing
     Practices,  shall be free of defects in workmanship or materials,  shall be
     free of deleterious or toxic materials and shall be suitable for human use.
     The cost of all  manufacturing  and  packaging  shall  be borne by  Hydron.
     Hydron  reserves the right to  reimbursement  of actual  storage costs from
     Reliv, if any, for  ingredients,  components and finished goods  associated
     with production of the Commercial Products.

          3.3  The  Commercial   Products  shall  be  packaged  and  labeled  in
     accordance with Reliv's specifications and directions,  and Reliv' shall be
     solely responsible for label design,  product names,  logos,  marketing and
     sales programs. Reliv' shall coordinate with Hydron or Hydron's contractors
     regarding  the labeling and  packaging of the articles and will provide the
     artwork,  specifications and layouts necessary to complete the labeling and
     packaging for the articles.

          3.4 The parties  acknowledge  and agree that Hydron is, and intends to
     continue to be engaged in research and  development in various  fields.  If
     Hydron  develops  a new  product  for use in the  Field,  Hydron  shall  be
     obligated to present such product to Reliv for inclusion in Reliv's line of
     skin care products  prior to offering such product to any MLM competitor of
     Reliv.  Hydron  agrees  that it will  negotiate  with  Reliv in good  faith
     regarding  the pricing and other terms  relating to a new product  Reliv is
     interested in pursuing and will provide to Reliv during the

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<PAGE>

     term hereof,  at Hydron's  sole  discretion,  information  concerning  such
     research and  development of such  products.  All  information  provided by
     Hydron pursuant to this paragraph shall be Confidential Information.

          3.5 Any and all  enhancements  or improvements of or to the Commercial
     Products by Hydron  during the term  hereof  shall be  incorporated  in and
     subject to this  Agreement.  Any cost increases to Hydron which result from
     an enhancement  or  improvement  to any Commercial  Product which Reliv has
     agreed to shall be passed to Reliv from Hydron at actual cost.  Reliv shall
     pay a one-time  charge of up to 10% of applicable  research and development
     costs incurred by Hydron if such project was agreed to in advance by Reliv.

     4. Ordering and Supply.

          4.1  Subject  to  and on  the  terms  provided  herein,  Hydron  shall
     coordinate  with its  suppliers  and  manufacturing  contractors  who shall
     produce,  package  and ship to Reliv',  in a timely  manner and in no event
     more than 75 days from the date of order,  units of the Commercial  Product
     as ordered by Reliv' from time to time during the term hereof. Reliv' shall
     submit all orders to Hydron in writing. Orders may be transmitted to Hydron
     by facsimile  transmission  or mail.  All orders shall specify the articles
     and quantity ordered.

          4.2 Hydron shall send a confirmation of all orders, which confirmation
     shall confirm the delivery date or provide a different delivery date. Reliv
     shall have the right to withdraw,  without liability, an order which cannot
     be substantially fulfilled by the delivery date specified in Reliv's order,
     or other  delivery  date  agreed  upon by the  parties,  due to a  material
     failure on the part of Hydron.

          4.3 The parties  acknowledge  that all units of the product shipped to
     Reliv'  shall  be  contained  in  mutually   agreed   packaging  and  that,
     accordingly,  Reliv'  shall rely upon  Hydron and its  contractors  to have
     produced  Commercial  Products in accordance  with agreed upon formulas and
     specifications.  Reliv  shall  be  deemed  to  have  accepted  shipment  of
     Commercial  Products upon delivery and initial inspection of such products.
     However,  the  inspection of any of the goods sold hereunder or the failure
     of Reliv' to inspect units of the  Commercial  Products shall not affect or
     result in the loss by Reliv' of any  rights or claims of Reliv'  for breach
     of warranty,  non-conformance of the Commercial  Products to this Agreement
     or right to reject  delivery or of any other  rights of Reliv' at law or in
     equity.  If Reliv'  shall,  at any time  after  delivery  of any  shipment,
     inspect any number of units of the shipment and determine  that a number of
     units of such shipment do not conform to this Agreement or are in violation
     of  warranties  of Hydron  herein,  Reliv'  shall be entitled to reject the
     non-conforming   goods  and  receive  conforming   replacements   within  a
     reasonable  period  of time,  not to exceed  thirty  (30)  days.  Any goods
     rejected in  accordance  with this  paragraph  may be returned to Hydron by
     Reliv' at Hydron's expense and Reliv' may charge

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     Hydron for all expenses of unpacking,  repacking,  examining and reshipping
     such goods if they are found to be non-conforming.

          4.4  Hydron  shall make full  payment  when due to all  suppliers  and
     manufacturing contractors of all amounts due in connection with any and all
     raw  materials,  components  and  finished  goods  in  connection  with any
     Commercial Products ordered by Reliv hereunder.

          4.5 To secure  payment of the amounts due from Hydron under  Section 6
     hereof and performance of all obligations of Hydron to Reliv hereunder:

               4.5.1  Hydron  hereby  grants  to  Reliv  a  continuing  security
          interest in, a lien upon,  and a right of set off against,  and hereby
          assigns to Reliv as security,  the following property and interests in
          property  of  Hydron,  whether  now  owned or  hereafter  acquired  or
          existing, and wherever located (collectively,  the "Collateral"):  All
          now  owned  and   hereafter   existing  or  acquired  raw   materials,
          ingredients,  packaging  and  work in  process  required  to make  the
          Commercial  Products,  including without  limitation,  the Polymer, as
          well as finished goods and all other Commercial  Product  inventory of
          whatsoever  kind and  nature,  wherever  located,  owned by Hydron and
          located at the facility of any contract manufacturer.

               4.5.2  Hydron  shall  execute  and  deliver  to  Reliv  such  UCC
          financing  statements as Reliv shall require in form  satisfactory  to
          Reliv  evidencing  the grant of the security  interest to Reliv in the
          Collateral  and shall take any and all other  action and execute  such
          other and further documents as Reliv may reasonably  require such that
          Reliv  shall,  as Reliv shall  determine,  have a valid and  effective
          first lien on all of the Collateral to secure the obligations provided
          for  herein.   Upon   termination  of  this  Agreement,   Reliv  shall
          immediately  release all UCC finance documents if Hydron has performed
          under this Agreement.

               4.5.3 At any time an Event of  Default  with  respect  to  Hydron
          exists or has occurred and is continuing,  Reliv shall have all rights
          and remedies provided in this Agreement,  the Uniform  Commercial Code
          and other  applicable  law,  all of which  rights and  remedies may be
          exercised without consent by Hydron,  except as such notice or consent
          is expressly provided for hereunder or required by applicable law. All
          rights,  remedies and powers  granted to Reliv  hereunder,  under this
          Agreement,  the Uniform  Commercial Code or other  applicable law, are
          cumulative,  not exclusive  and  enforceable,  in Reliv's  discretion,
          alternatively,  successively,  or  concurrently  on any  one  or  more
          occasions, and shall include,  without limitation,  the right to apply
          to a court of  equity  for an  injunction  to  restrain  a  breach  or
          threatened  breach by Hydron of this Agreement.  Without  limiting the
          foregoing,  at any time an Event of Default exists or has occurred and
          is continuing, Reliv may, in its

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          discretion  and  without  limitation,  (i)  with or  without  judicial
          process or the aid or assistance of others, enter upon any premises on
          or in which any of the Collateral  may be located and take  possession
          of the Collateral or complete processing,  manufacturing and repair of
          all or any portion of the Collateral, (ii) require Hydron, at Hydron's
          expense,  to assemble  and make  available to Reliv any part or all of
          the Collateral, (iii) collect, foreclose, receive, appropriate, setoff
          and realize upon any and all Collateral, (iv) remove any or all of the
          Collateral  from any  premises  on or in which the same may be located
          for  the  purpose  of  effecting  the  sale,   foreclosure   or  other
          disposition  thereof  or for any other  purpose,  or (v) sell,  lease,
          transfer,  assign,  deliver  or  otherwise  dispose  of  any  and  all
          Collateral  (including  entering into contracts with respect  thereto,
          public or private sales at any exchange, broker's board, at any office
          of  Reliv  or  elsewhere)  at such  prices  or  terms  that  shall  be
          commercially reasonable, for cash, upon credit or for future delivery,
          with Reliv  having the right to purchase  the whole or any part of the
          Collateral  at any such public or private  sale,  all of the foregoing
          being free from any right or equity of  redemption  of  Hydron,  which
          right or equity of redemption is hereby  expressly waived and released
          by Hydron.  If notice of disposition of Collateral is required by law,
          ten (10) days prior notice by Reliv to Hydron designating the time and
          place of any public sale or the time after  which any private  sale or
          other  intended  disposition  of  Collateral  is to be made,  shall be
          deemed to be  reasonable  notice  thereof and Hydron  waives any other
          notice.  In the  event  Reliv  institutes  an action  to  recover  any
          Collateral or seeks  recovery of any  Collateral by way of prejudgment
          remedy, Hydron waives the posting of any bond which might otherwise be
          required;  provided,  however,  that in any  event,  if  Hydron  shall
          continue to engage in the active conduct of business,  Reliv shall not
          take  possession  of,  sell,  foreclose  or collect  upon or otherwise
          dispose of that amount of the Polymer in excess of the amount  thereof
          necessary for the  production of the reasonably  anticipated  needs of
          Reliv therefor for the term provided in Section 8.4.2.

          4.6  Hydron  shall at all  times  during  the  term of this  Agreement
     provide full and complete  information  to Reliv  concerning the inventory,
     and the location  thereof,  of all  Polymer,  raw  materials,  ingredients,
     containers  and  packaging  which may be used for, or which  relates to the
     Commercial Products.

          4.7 In the  event of an Event  of  Default  with  respect  to  Hydron,
     immediately  upon the written request of Reliv, and upon receipt of payment
     therefor,  Hydron  shall  sell and  deliver  to Reliv,  and Reliv  shall be
     entitled to purchase, at Hydron's cost therefor, any and all of such of the
     Polymer, ingredients, containers or packaging in its possession, in Reliv's
     possession  or held by any  contract  manufacturer  or agent  which  may be
     utilized  for, or relates  to, any of the  Commercial  Products;  provided,
     however,  that if at such time Hydron shall continue to be actively engaged
     in business,  the amount of the Polymer  which Hydron shall be obligated to
     sell and deliver to Reliv shall not

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     exceed  the  amount   reasonably  deemed  necessary  by  Reliv  to  produce
     Commercial  Products  for its needs  during  the term  provided  in Section
     8.4.2.

          4.8 Promptly,  and in any event within 20 days after execution of this
     Agreement,  Hydron shall  deliver to Reliv no less than 2,000 pounds of the
     Polymer in appropriate  containers for storage. At all times, and from time
     to time,  during the initial term,  or any renewal term of this  Agreement,
     Hydron shall cause to be delivered to Reliv that amount of the Polymer such
     that, at all times,  Reliv shall have in its  possession an amount equal to
     the  greater of (i) 2,000  pounds of the Polymer or (ii) that amount of the
     Polymer  necessary  for  the  production  of the  needs  of  Reliv  for the
     Commercial  Products  for a period  of 24  months  based  upon the  average
     monthly  sales  of  Commercial  Products  by  Reliv  over  the  immediately
     preceding six months, such determination to be made every six months during
     the initial term and all renewal terms of this Agreement. Reliv shall take,
     and shall be entitled to retain,  physical  possession of the Polymer which
     Reliv has agreed to store in conditions  suitable for the  preservation  of
     the Polymer, such as in a place which has a cool and dry temperature and is
     removed from any solvents and  materials  which could cause harm.  Title to
     the Polymer so held by Reliv shall  remain with Hydron but shall be held by
     Reliv at  Reliv's  risk of loss or damage.  Such  stored  Polymer  shall be
     rotated from time to time from Reliv to Hydron's contract  manufacturer for
     production  of the  Commercial  Products to avoid  expiration of the stored
     Polymer;  provided that Hydron shall promptly replace with Reliv any of the
     Polymer  removed from Reliv's  premises  for use in  manufacturing.  In the
     event of an Event of Default  with respect to Hydron  under  Section  8.3.2
     (excluding  Section 8.3.2(f)) or Section 8.3.3(b) of this Agreement,  Reliv
     shall have the right to purchase all of the Polymer in its possession  from
     Hydron by making  payment to Hydron at Hydron's  actual cost  therefore and
     shall  thereafter  be entitled  to use,  sell and dispose of the Polymer as
     Reliv shall determine in its sole discretion.

     5. Pricing.

          5.1 Reliv' shall purchase the  Commercial  Products from Hydron at the
     prices  specified  on  Exhibit  A  hereto.   All  prices  shall  be  F.O.B.
     manufacturer's shipping point.

          5.2 Hydron shall be entitled to increase the price per unit  hereunder
     at any time upon 60 days  prior  written  notice  to  Reliv'  solely to the
     extent of any actual  increase  in cost per unit  incurred  by Hydron  with
     respect to the price of manufacturing,  packaging,  or ingredients involved
     with the Commercial Products.

          5.3 Hydron shall  decrease the price per unit  hereunder to the extent
     of any actual decrease in the cost per unit incurred by Hydron with respect
     to the price of manufacturing,  packaging or ingredients  involved with the
     Commercial  Products or due to efficiencies in the  manufacturing  process.
     Hydron's  obligation  to decrease  such price per unit to the extent of any
     decrease  in cost is  effective  upon  Reliv's  purchase  order of at least
     50,000 units of a single Commercial

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     Product. If a particular Commercial Product is not ordered in a quantity of
     50,000  units or more per  purchase  order,  then Hydron has no  obligation
     under this Section 5.3.

          5.4  Reliv  shall  bear and  shall  pay or  reimburse  Hydron  for the
     one-time  costs in connection  with the packaging and  introduction  of the
     Commercial  Products as  estimated  and set forth on Exhibit B hereto.  All
     dies, stamps and other such materials associated with the packaging for the
     Commercial Products shall be the sole and exclusive property of Reliv.

     6. Minimum Purchase  Requirement/Payment  Terms. In order to keep packaging
costs to a minimum,  Reliv shall be  required  to  purchase a minimum  amount of
30,000 units of any product  ordered.  Reliv shall make a down-payment of 50% of
the  order  amount  at the time of  order.  The  remaining  50% shall be due and
payable  upon receipt of the goods by Reliv.  In order to keep Reliv's  finished
inventory at a reasonable level,  Hydron agrees to make three separate shipments
of 10,000 units of each  product  when and as needed by Reliv.  Reliv shall make
payment only for that amount received from Hydron. For example, assume the total
cost of 30,000 units of a product  equals  $300,000.  Reliv shall pay 50% of the
total cost,  or $150,000,  upon placing the order.  Thereafter,  Reliv shall pay
16.67% of the total cost, or $50,000, upon receipt of each 10,000 unit shipment.
See  Exhibit  A.  Prior to the date of  delivery  of an order,  Hydron  shall be
indebted to Reliv in the amount of any and all advance payments made by Reliv to
Hydron and, in the event of an Event of Default by Hydron,  such amount shall be
and become  immediately  payable by Hydron to Reliv. Upon delivery of a shipment
to Reliv,  Hydron's  indebtedness to Reliv shall decrease by the percentage such
shipment bears to the total purchase order.  Using the foregoing  example,  upon
receipt of the first shipment of Commercial  Product,  Hydron's  indebtedness to
Reliv would be decreased by $50,000.

     7. Payment.  Hydron shall  invoice  Reliv' for goods shipped on the date of
shipment. Reliv' shall be obligated to pay for goods shipped upon receipt of the
goods.  Any amount due for goods  shipped  hereunder  more than twenty (20) days
from the date of invoice shall bear interest at the rate of 18% per annum.

     8. Term and Termination.

          8.1 The term of this  Agreement  shall commence on the date hereof and
     expire three (3) years thereafter.  Upon the expiration of the initial term
     or any  renewal  term  hereof,  Reliv  shall  have the right to renew  this
     Agreement for an additional three (3) year term by giving written notice to
     Hydron of such  election  more than  sixty  (60) days  prior to the date of
     expiration of such term or renewal term. As a condition of Reliv's right of
     renewal,  Reliv must have  purchased  and paid for a total of at least $1.5
     million  worth of  Commercial  Product  in the three (3) years  during  the
     initial term--a minimum of $300,000 in Year One,  $500,000 in Year Two, and
     $700,000 in Year Three.  As a condition  of Reliv's  right of renewal for a
     third three year term, Reliv must have purchased and paid for a total of at
     least $2.5 million worth of Commercial  Product during the first three year
     renewal  term--a  minimum of $700,000 in Year Four,  $800,000 in Year Five,
     and

                                       8
<PAGE>

     $1,000,000  in Year Six.  For the purpose of this  automatic  renewal,  the
     three year term  commences  on the date of the first order from Reliv,  not
     the date of this Agreement. If Reliv does not satisfy such minimum purchase
     requirements, then Hydron has the right to disallow a renewal by Reliv.

          8.2 This  Agreement  may be  terminated  by either  party prior to the
     expiration  of its term or any renewal term by written  notice to the other
     party in the event of an Event of Default  with respect to the other party;
     provided the terminating party is not the cause of such Event of Default on
     the part of the other party.

          8.3 An Event of Default shall include:

               8.3.1 With respect to either  party,  any  material  violation or
          failure or refusal to perform by such party of any  obligation of such
          party  hereunder and the failure or refusal by such party to cure such
          material  violation or  non-performance  within thirty (30) days after
          notice thereof  specifying the material  violation or  non-performance
          shall have been given by the other party;

               8.3.2 With respect to either party,

                    (a) Admission  in writing of its  inability to pay its debts
               generally as they become due,

                    (b) Filing a petition  for relief under any chapter of Title
               11 of the United  States Code or a petition to take  advantage of
               any insolvency  under the laws of the United States of America or
               any state thereof,

                    (c) Making an assignment for the benefit of its creditors,

                    (d) Consenting to the appointment of a receiver of itself or
               of the whole or any substantial part of its property,

                    (e) Suffering  the entry  of an order for  relief  under any
               chapter of Title 11 of the United States Code,

                    (f) Filing a petition or answer seeking reorganization under
               the  Federal  Bankruptcy  Laws  or any  other  applicable  law or
               statute of the United States of America or any state thereof; or

                    (g) Ceasing to do business.

                                       9
<PAGE>

               8.3.3 With respect to Hydron:

                    (a) Three  or  more  instances  of  material   violation  of
               Hydron's  warranties  herein  which go uncured  for  longer  than
               thirty (30) days;

                    (b) The failure of Hydron, or its manufacturing contractors,
               to deliver  Commercial  Product in  accordance  with  paragraph 4
               hereof which goes uncured for longer than thirty (30) days; or

                    (c) Three  or more  instances  in which  Reliv'  shall  have
               validly  rejected  a  shipment,   or  some  portion  thereof,  of
               Commercial Product from Hydron, or its manufacturing contractors,
               in accordance with paragraph 4.3 hereof,  and such rejection goes
               uncured for longer than thirty (30) days.

               8.3.4 With respect to Reliv:

                    (a) Three or more  instances  in which Reliv fails to pay on
               time and such  failure  goes  uncured for longer than thirty (30)
               days.

                    (b) Three or more  instances  where  goods were  rejected by
               Reliv as being non-conforming and the rejection was not valid.

          8.4 Provided Reliv shall not be in material  breach of this Agreement,
     in the event of an Event of  Default  on the part of Hydron  under  Section
     8.3.2  (excluding  Section  8.3.2(f)) or Section  8.3.3(b),  whether or not
     Reliv shall terminate this Agreement, immediately upon any of the foregoing
     events,

               8.4.1 Reliv shall have the right to manufacture (either itself or
          through a third party contract manufacturer) and market the Commercial
          Products.

               8.4.2 Hydron  thereupon grants to Reliv for the remaining life of
          the contract  term plus one renewal  three year term, a royalty  free,
          worldwide  right and  license,  under and with  respect  to the Hydron
          Patents  and  all  Rights,  to  make,  have  made,  use and  sell  the
          Commercial  Products and any other  products  utilizing the Technology
          and to practice and use any and all  inventions in the Hydron  Patents
          and any and all of the Rights.  Such license  shall be exclusive  with
          respect to any and all products in the Field intended for sale by MLM.

               8.4.3 Reliv shall have the immediate right to receive and use all
          of the technical information delivered to the escrow agent as provided
          in

                                       10
<PAGE>

          Section 13 hereof and any other technical  information relating to the
          Technology or the Commercial Products to which it may have access.

               8.4.4 Hydron  thereupon grants to Reliv, at Reliv's election and,
          if necessary,  at the consent of NPD, (i) an irrevocable and worldwide
          right and sublicense,  under and with respect to the Polymer, to make,
          have made, use and sell the Commercial Products and any other products
          utilizing  the  Technology  and  to  practice  and  use  any  and  all
          inventions  utilizing the Polymer in the Field for sale by MLM or (ii)
          an assignment of all of Hydron's  rights under the NPD  Agreement,  to
          the extent  allowed,  for the purpose and to the extent of granting to
          Reliv  the  right  to  make,  or have  made,  use and sell any and all
          Commercial Products which utilize the Polymer in the Field for MLM.

               8.4.5 All rights of Reliv under this  Section  8.4 shall  survive
          the expiration or termination of this Agreement for the amount of time
          set forth in Section 8.4.2.

          8.5 Subject to Section 8.4 and Section 18, in the event of termination
     of this  Agreement in  accordance  with Section 8.2 hereof,  all rights and
     obligations  of the parties  hereunder  shall cease and terminate as of the
     date of such termination;  provided,  however, that any and all rights of a
     party which shall have accrued as of the date of such termination or of the
     expiration  hereof,  including without  limitation,  any right or claim for
     damages for breach of the  Agreement,  and any rights or  obligations  of a
     party provided herein to survive  expiration or termination  hereof,  shall
     survive termination or expiration of this Agreement.

          8.6 Neither  party shall be in default  hereunder or be liable for any
     loss  or  damage  for  any  delay  in the  performance  of its  obligations
     hereunder due to causes beyond its reasonable  control such as acts of God,
     acts of the other party,  acts of military  authority,  priorities,  fires,
     strikes, floods, hurricanes, tornadoes, epidemics, quarantine restrictions,
     war, riots,  delays in  transportation,  car shortage,  or inability due to
     causes beyond its reasonable control or to obtain necessary labor, material
     or manufacturing facilities.

     9. Shipping.  Hydron shall cause all units of the Commercial  Product to be
shipped to Reliv' in accordance with instructions  which Reliv' shall provide to
Hydron from time to time.  Hydron shall  deliver all  Commercial  Product to the
carrier  packaged  in  accordance  with  the  provisions  hereof  with  shipping
instructions in accordance  with those provided by Reliv'.  Reliv' shall pay all
expenses  related  to  shipping  the  Commercial  Product  from  Hydron  or  its
warehouses, or Hydron's manufacturing contractors, to Reliv'. Risk of loss shall
shift to Reliv' upon delivery of the Commercial Product to the carrier.

     10.  Representations  and  Warranties of Hydron.  Hydron  hereby  warrants,
represents and covenants to Reliv' that:

                                       11
<PAGE>

          10.1 Hydron has full  power,  right and  authority  to enter into this
     Agreement with Reliv and the execution and performance of this Agreement by
     Hydron  does not and will not,  with or without the giving of notice or the
     passage  of time,  violate  or  constitute  a default  under any  contract,
     agreement,  commitment or license to which Hydron is a party or by which it
     is bound.

          10.2 None of the Commercial  Product  produced,  sold and delivered to
     Reliv'  hereunder  shall be  adulterated  or misgraded and all units of the
     Commercial  Product and all  packaging  material,  specified  and  mutually
     agreed upon by both parties,  shall be free of any deleterious or poisonous
     substance which may render the Commercial Products to be adulterated within
     the provisions of applicable federal, state or municipal laws.

          10.3 The  Commercial  Products  will  substantially   conform  to  the
     formulations, specifications and descriptions provided by Hydron and to any
     and all samples thereof provided by Hydron to Reliv'.

          10.4 Hydron will not alter or modify the ingredients or formulation of
     any Commercial  Product  without  written notice to and written  consent of
     Reliv'.

          10.5 The  Commercial  Products,  the   formulation  thereof,  and  the
     manufacture  and sale  thereof by Hydron or by Reliv' does not and will not
     violate  or  infringe  upon any  patent or other  proprietary  right of any
     person.

          10.6 Hydron has not and will not,  before or during the initial or any
     renewal  term of this  Agreement,  grant a license to any third party which
     shall conflict with Sections 8.4.2 and 8.4.4.

     11.  Representations and Warranties of Reliv. Reliv represents and warrants
to Hydron that it has the full right and authority to enter into this  Agreement
with Hydron,  that it has the full right, power and authority to enter into this
Agreement and that the execution and performance of this Agreement by Reliv will
not with or  without  the giving of notice or the  passage  of time,  violate or
constitute a default under any contract, agreement, or commitment to which Reliv
is a party or by which it is bound.

     12. Confidential Information.  Each of the parties hereto agrees that, with
respect  to   Confidential   Information  in  its  possession  as  to  which  no
communication  thereof is required for the application  hereof,  or Confidential
Information  transmitted  to it by the other party,  such party will not use any
such Confidential Information for any purpose other than as expressly authorized
herein and shall not  disclose,  or permit its  employees or agents to disclose,
such Confidential  Information to any person,  or to use the same.  Confidential
Information of the

                                       12
<PAGE>

other  party  may be used by a  party  hereto  solely  as  follows:  (i) for the
performance of such party's obligations under this Agreement, (ii) in connection
with the manufacture,  production,  sale or distribution of Commercial  Products
pursuant to the terms of this  Agreement or (iii) for such other purposes as the
other party may  authorize  in writing.  Confidential  Information  of the other
party may be  disclosed  by a party  solely to those  employees of the party who
have a need to know the  information  for the purposes  provided  herein and who
have  executed  an  agreement  for the benefit of both of the  parties,  in form
satisfactory to both and consistent with the provisions hereof,  prohibiting the
use or further disclosure of such Confidential Information.

     13. Provision of Technical Information.

          13.1 Hydron and Reliv shall  enter into an escrow  agreement  ("Escrow
     Agreement")  within 45 days from the date hereof  substantially in the form
     of Exhibit C hereto.  Immediately upon execution of this Agreement,  Hydron
     shall  deliver  to the escrow  agent  designated  in the  Escrow  Agreement
     complete technical  information  concerning each Commercial  Product.  Such
     technical information shall include, but not be limited to:

               13.1.1 The  precise  ingredients   and  formula  for  each of the
          Commercial Products;

               13.1.2 Detailed  and   complete   information    concerning   all
          techniques and methods of compositions,  production and manufacture of
          each such products and each ingredient or component thereof;

               13.1.3 Detailed and complete  information  concerning all sources
          of  supply  for  ingredients,   alternative   sources  of  supply  and
          production  of  each  Commercial   Product  and  all  ingredients  and
          components thereof;

               13.1.4 Such  other  information  concerning  or  relating  to any
          Commercial  Product,  or any component or ingredient  thereof,  or any
          aspect of the Technology as mutually agreed upon by both parties.

          13.2 All technical information provided pursuant to this paragraph and
     paragraph  8.4 shall be  Confidential  Information  hereunder  and shall be
     designated  as such when  provided to a Designated  Person.  The  technical
     information  shall be used  only by  Reliv in  performing  its  rights  and
     obligations under this Agreement including,  without limitation, its rights
     under Section 8.4.

          13.3  A  "Designated  Person"  shall  be an  independent  third  party
     designated  by Reliv and Hydron who shall have  executed a  confidentiality
     agreement in favor of Reliv and Hydron.

     14.  Indemnification.  Provided  Reliv shall not be at fault in whole or in
part, Hydron agrees to protect,  defend, hold harmless and indemnify Reliv', its
officers,  directors,  employees and agents from and against any and all claims,
actions, liabilities, losses, costs or expenses (including reasonable attorneys'
fees) arising out of or caused by (i) any actual or alleged  infringement of any
patent or other  proprietary right in connection with the manufacture or sale of
Commercial  Products,  (ii) any actual or alleged death or injury to any person,
damage to any property, or other damage or loss by

                                       13
<PAGE>

whomever  suffered  resulting from or caused by, or claimed to result from or be
caused by, the Commercial  Products or the use thereof by any person,  (iii) any
actual or alleged death or injury to any person, damage to property or any other
damage or loss by whomever  suffered  resulting from or caused by, or alleged to
have  resulted  from or be caused by, any violation by Hydron of any of Hydron's
warranties  herein or (iv) arising out of any actual or alleged violation by the
Commercial  Products of any law,  statute or  ordinance or any  governmental  or
administrative order, rule or regulation.

     15.  Infringement.  During the term  hereof,  Reliv  shall  protect all the
Rights in the Field for MLM from  infringement.  Reliv  shall  have the right to
initiate and prosecute any claims, demands, actions or proceedings concerning or
related  to any  infringement  or  violation  of any Patent or any of the Rights
licensed  hereunder in the Field for MLM. The determination  whether to make any
demand or claim or to initiate any action or  proceeding in order to protect the
Rights shall be within the discretion of Reliv.  Reliv shall be responsible for,
and shall bear,  all costs of any such claim,  demand,  action or proceeding and
shall  be  entitled  to  retain  all  proceeds  thereof  whether   recovered  by
settlement, judgment or otherwise. In addition, Hydron has the right to initiate
any action or  proceeding  to protect  the Rights.  Hydron  agrees that it shall
provide to Reliv prompt  notice of any  infringement  or violation of any of the
Patents or Rights of which it shall become aware and shall  cooperate fully with
Reliv in the prosecution of any claim, demand, action or proceeding for any such
infringement or violation  which it shall determine to pursue.  Notwithstanding,
the foregoing, Hydron at its option shall have the right to retain its own legal
representation,  at its own cost,  should it have  reason  to  believe  that the
validity of its Patent rights are at risk.

     16. Insurance. Hydron agrees to obtain and maintain at all times during the
term and renewal term  hereof,  and to pay all premiums on, a policy or policies
of insurance  insuring  Hydron against claims or liability for death or personal
injury caused by or resulting from the use of the Commercial  Products providing
coverage  of at least $3 million  and $1 million per  occurrence.  Hydron  shall
provide to Reliv' a certificate from the issuer of such insurance  certifying to
the issuance of such insurance upon execution  hereof and at least once each six
months  during the term hereof.  Such  insurance  shall  include an  endorsement
naming  Reliv' as an  additional  insured and Hydron  shall  provide to Reliv' a
certificate of the insurer to such effect.

     17. Patents and Other Rights.

          17.1 Hydron represents and warrants to Reliv' that:

          17.1.1 Hydron and NPD have entered into the NPD Agreement  pursuant to
     which,  among other things,  Hydron holds a license to make, have made, use
     and sell products utilizing the Polymer,  including the Commercial Products
     and other products in the Field utilizing the Technology; the NPD Agreement
     is in full force and effect and Hydron  represents  and warrants that there
     has been no event of default under the NPD Agreement;

          17.1.2 Hydron is  the sole owner of the Hydron  Patents free and clear
     of all liens, claims and encumbrances;

                                       14
<PAGE>

          17.1.3  Hydron  developed  and,  except for the Polymer as to which it
     holds a license,  is the sole owner of patented skin technology  which is a
     delivery system for skin care products,  including without limitation,  the
     compositions and formulations that implement the Polymer, and including the
     compositions and formulaes which constitute the Commercial Products;

          17.1.4  Hydron  is the  sole  owner of the  Know-How  and has the full
     right, power and authority to manufacture or have manufactured, and to sell
     to Reliv, the Commercial  Products utilizing the Rights and has not entered
     into any agreement,  license, contract or commitment under which any rights
     relating  thereto  have been  licensed,  assigned  or  granted to any other
     person which would conflict with the Rights under this Agreement; and

          17.1.5  Hydron has the full  right,  power and  authority  to grant or
     assign to Reliv the licenses and rights provided for in Section 8.4 hereof.

     18.  Rights Upon  Termination.  In  addition to any rights  Reliv' may have
under Section 8.4, from and after the date of expiration or  termination of this
Agreement for any reason,  Reliv shall be entitled to sell or otherwise  dispose
of any Commercial Product which shall be in Reliv's inventory or on order on the
date of such termination or expiration,  provided that Reliv shall have paid any
and all  amounts  due to Hydron with  respect to such  products.  Reliv shall be
obligated to purchase and take  possession  of all raw  materials  and packaging
which is unique to Reliv and was  purchased  by  Hydron  with the  intention  of
manufacturing the Commercial Products.

     19.  Equitable  Remedies.  Hydron  acknowledges  that,  in the  event  of a
violation  by it of the  provisions  of this  Agreement,  the remedies of Reliv'
hereto  at law may be  inadequate  and  Reliv'  may,  as a  result  of any  such
violation, suffer irreparable harm and, accordingly, Reliv' shall have the right
to seek injunctive relief or to compel specific performance of this Agreement in
a court of  competent  jurisdiction,  and shall be entitled to recover all costs
and expenses  incurred in connection  therewith  including a reasonable  sum for
attorneys' fees.

     20.  Notices.  Any  notice,  request  or other  communication  required  or
permitted  to be  given  under  the  terms  of this  Agreement  must be given by
certified or  registered  mail,  with proper  postage fully paid, in an envelope
addressed, as follows:

     If to Hydron:                            Terrence S. McGrath
                                              Chief Operating Officer
                                              Hydron Technologies, Inc.
                                              1001 Yamato Road, Suite 403
                                              Boca Raton, Florida 33431

                                       15
<PAGE>

     If to Reliv':                            Robert L. Montgomery
                                              President
                                              Reliv' International, Inc.
                                              P.O. Box 405
                                              Chesterfield, Missouri  63005-0405

Any notice mailed in accordance  with the provisions of this paragraph  shall be
deemed received on the third day following the date of mailing. Any party hereto
may change the address to which  notices to such party shall be given  hereunder
by a proper notice of such change of address to the other party.

     21. Entire Agreement.  This Agreement contains the entire agreement between
the parties  hereto with respect to the subject matter hereof and supersedes all
prior written or oral, representations,  inducements,  agreements, contracts, or
commitments.  No amendment,  change,  modification or addition to this Agreement
shall be made,  or shall be binding upon any party hereto  unless the same shall
be in writing and shall have been signed by the parties hereto.

     22. Severability. Whenever possible, each paragraph of this Agreement shall
be interpreted in such manner as to be effective and valid under applicable law.
If any  paragraph of this  Agreement  shall be  unenforceable  or invalid  under
applicable  law,  such  paragraph  shall be  ineffective  only to the extent and
duration of such  unenforceability  or invalidity and the remaining substance of
such  paragraph and the remaining  paragraphs  of this  Agreement  shall in such
event continue to be binding and in full force and effect.

     23. Waivers. No failure by any party to exercise any of such party's rights
hereunder or to insist upon strict  compliance  with  respect to any  obligation
hereunder,  and no custom or practice of the parties at variance  with the terms
hereof,  shall  constitute a waiver by any party to demand exact compliance with
the terms  hereof.  Waiver by any party of any  particular  default by any other
party  shall  not  affect or  impair  such  party's  rights  in  respect  to any
subsequent  default of the same or of a different nature, nor shall any delay or
omission  of any party to  exercise  any right  arising  from any default by any
other  party  affect or impair  such  party's  rights as to such  default or any
subsequent default.

     24. Binding  Effect;  Assignment.  This Agreement shall be binding upon and
inure to the benefit of the parties hereto and their respective heirs, legatees,
personal representatives and successors in interest.  Neither party hereto shall
have the right to assign any right,  interest or obligation under this Agreement
without the express written consent of the other party.  Both parties shall have
the right to assign its  rights and  obligations  under  this  Agreement  to any
person or entity who shall purchase or acquire substantially all of the business
and properties of such party whether by merger, reorganization, consolidation or
sale of assets.

     25.   Governing   Law,   Jurisdiction.   For   purposes  of   construction,
interpretation  and  enforcement,  this  Agreement  shall be deemed to have been
entered into under the laws of the State of Missouri and its  validity,  effect,
performance,  interpretation,  construction and enforcement shall be governed by
and subject to the laws of the State of Missouri.  Any and all suits for any and
every breach of this Agreement

                                       16
<PAGE>

may be instituted and maintained in any court of competent  jurisdiction  in St.
Louis,  Missouri and the parties hereto consent to the jurisdiction and venue in
such courts and the service of process by certified  mail to the  addresses  for
the parties provided for notice herein.

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

                                                     HYDRON, INC.

                                                 By: /s/ Terrence McGrath
                                                     ---------------------------
                                                     Authorized Officer

                                                     RELIV' INTERNATIONAL, INC.

                                                 By: /s/ David G. Kreher
                                                     ---------------------------
                                                     Authorized Officer

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