Document:

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                                                                   Exhibit 10.13

                    REVOLVING LINE OF CREDIT PROMISSORY NOTE

$650,000.00                                             Pinellas County, Florida
                                                                   March 8, 2001

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

Borrower's Promise to Pay
-------------------------

     For value received, the undersigned, GO2 PHARMACY INC., a Florida
corporation, (the "Borrower") promises to pay to the order of FIRST COMMUNITY
BANK OF AMERICA, a Florida banking corporation (the "Lender'), the principal
sum of SIX HUNDRED FIFTY THOUSAND DOLLARS ($650,000.00), or so much thereof as
has been advanced from time to time, together with interest on the principal
balance remaining unpaid from time to time at the rate set forth below.

1.   Term. The term of this Note is from the date of this Note through March 1,
     ----
2002 (the "Maturity Date").

2.   Interest. The principal balance remaining unpaid from time to time shall
     --------
bear interest from the above date of this Note through and including the
Maturity Date at the rate of 6.76% per annum. Interest shall be calculated based
on a 360 day year for actual days elapsed during the calculation period. The
interest rate required by this Note is the rate charged before any default
described in Section 6(B) of this Note. After default, interest shall accrue at
the highest contract rate of interest permitted to be charged under Florida law.

3.   Payments.
     --------

     A. Monthly payments of interest only shall be due and payable and shall be
paid commencing April 1, 2001, and on the same day each succeeding month
thereafter until and including March 1, 2002.

     B. On the Maturity Date, the entire remaining principal indebtedness, plus
all accrued and unpaid interest shall be due and payable in full.

        All payments shall be made to 6100 4/th/ Street North, St. Petersburg,
FL 33703 or at such other place as may be designated in writing by the Lender.

4.   Borrower's Right to Prepay. This Note may be prepaid at any time without
     --------------------------
penalty. Partial prepayments shall be applied in the inverse order such
installments are due, applying first to the last principal installment payment
due hereunder. Lender may require that any permitted partial prepayments: (A) be
made on the date monthly installments are due, and (B) be in the amount of that
part of one or more monthly installments which would be applicable to principal.
Permitted partial prepayments shall not affect or vary the due date of any
subsequent monthly installment or change the amount of such installments unless
Lender shall otherwise agree in writing, and shall

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not affect or impair the right of Lender to pursue all remedies available to it
hereunder or under any security or document which secures this indebtedness.

5.   Interest Limitation. Interest payable under this Note or any other payment
     -------------------
which would be considered as interest or other charge for the use or loan of
money shall never exceed the highest contract rate allowed by law applicable to
this loan to be charged by Lender. If the interest or other charges collected or
to be collected in connection with this loan exceed the permitted limits, then:
(A) any such interest or loan charge shall be reduced by the amount necessary to
reduce the charge to the permitted limit; and (B) any sums already collected
from Borrower which exceeded permitted limits wilt be refunded. The Lender may
choose to make this refund by reducing the principal owed under this Note or by
making a direct payment to Borrower. If a refund reduces principal, the
reduction will be treated as a partial prepayment.

6.   Borrower's Failure To Pay As Required.
     -------------------------------------

          (A)  Late Charge for Overdue Payments. If the Lender has not received
               --------------------------------
the full amount of any monthly payment by the end of ten (10) calendar days
after it is due, Borrower will pay a late charge to the Lender equal to 5% of
the overdue payment of principal and/ or interest. The payment or collection of
any such late charge shall not constitute a waiver of any other right or remedy
available to the Lender.

          (B)  Default. If Borrower fails to pay the full amount of each monthly
               -------
payment by the end of the ten (10) calendar days after it is due, Borrower will
be in default.

          (C)  Acceleration. If Borrower is in default, the Lender may require
               ------------
Borrower to pay immediately the full amount of principal which has not been paid
and all the interest that Borrower owes on that amount without notice.

          (D)  No Waiver By Lender. Even if, at a time when Borrower is in
               -------------------
default, the Lender does not require Borrower to pay immediately in full as
described above, the Lender will still have the right to do so if Borrower is in
default at a later time.

          (E)  Payment of Lender's Costs and Expenses. If the Lender has
               --------------------------------------
required Borrower to pay immediately in full as described above, the Lender will
have the right to be paid back by Borrower for all of its costs and expenses in
enforcing this Note to the extent not prohibited by applicable law. Those
expenses include, for example, reasonable attorneys' fees whether suit be
brought or not, and including such fees and costs in any garnishment, appellate,
bankruptcy or post judgment proceedings.

7.   Giving of Notice. Unless applicable law requires a different method, any
     ----------------
notice that must be given to Borrower under this Note will be given by mailing
it by first class mail or by delivering it to Borrower at 6950 Bryan Dairy Road,
Largo, FL 33777, or at a different address if Borrower gives the Lender prior
written notice of a different address.

          Any notice that must be given to the Lender under this Note will be
given by mailing it by first class mail to the Lender at the address stated in
Section 3 above or at a different address if Borrower is given a notice of that
different address.

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8.   Obligations of Persons Under This Note. If more than one person signs this
     ---------------------------------------
Note, each person is fully and personally obligated to keep all of the promises
made in this Note, including the promise to pay the full amount owed. Any person
who is a guarantor, surety, or endorser of this Note is obligated to do these
things. Any person who takes over these obligations, including the obligations
of a guarantor, surety, or endorser of this Note, is also obligated to keep all
of the promises made in this Note. The Lender may enforce its rights under this
Note against each person individually or against all obligators together. This
means that any one of them may be required to pay all of the amounts owed under
this Note.

9.   Waivers. Borrower and any other person who has obligations under this Note
     -------
waive the rights of presentment and notice of dishonor. "Presentment" means the
right to require the Lender to give notice to other persons that amounts due
have not been paid.

10.  Set Off. The Borrower shall have no right of set off against the Lender
     -------
under this Note or under any instruments securing this Note or executed in
connection with the loan evidenced hereby. The Lender, however, shall have the
right, immediately and without further action by it, to set off against this
Note all money owed by the Lender in any capacity to Borrower, whether or not
due.

11.  This Note Secured by Certificate of Deposit. In addition to the protections
     -------------------------------------------
given to the Lender under this Note, an Assignment of Certificate of Deposit of
even date herewith protects the Lender from possible losses which might result
if Borrower does not keep the promises made in this Note. That Assignment
describes how and under what conditions Borrower may be required to make
immediate payment in full or in part of the amounts owed under this Note.

12.  Litigation. Any litigation between the parties brought in connection with
     ----------
this Note or concerning the subject matter hereof prior to closing of the Loan
shall only be brought in Pinellas County, Florida. In any such litigation, the
prevailing party shall be entitled to an award of its reasonable attorneys' fees
and costs. The Borrower and any guarantors further knowingly, voluntarily and
intentionally, waive any right to trial by jury in respect of any litigation
arising out of, under, or in connection with this Note, or the loan.

13.  Business Purpose Loan. The Borrower acknowledges that the proceeds of the
     ---------------------
loan are to be used for business or commercial purposes only, and not for
personal, family or household purposes.

14.  Revolving Line of Credit. The Loan evidenced by this Note is a revolving
     ------------------------
line of credit, and, subject to the terms of that certain Loan Agreement of even
date, and so long as the Borrower shall not be in default of the terms hereof,
the principal amount hereof may be drawn, repaid and redrawn from time to time
until the Maturity Date.

15.  WAIVER OF JURY TRIAL. BORROWER AND BANK HEREBY KNOWINGLY, VOLUNTARILY AND
     --------------------
INTENTIONALLY WAIVE THE RIGHT EITHER MAY HAVE TO A TRIAL BY JURY IN RESPECT TO
ANY LITIGATION BASED HEREON, OR ARISING OUT OF, UNDER OR IN CONNECTION WITH THIS
NOTE AND ANY AGREEMENT CONTEMPLATED TO BE EXECUTED IN CONJUNCTION HEREWITH, OR
ANY

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COURSE OF CONDUCT, COURSE OF DEALING, STATEMENTS (WHETHER VERBAL OR WRITTEN) OR
ACTIONS OF ANY PARTY. THIS PROVISION IS A MATERIAL INDUCEMENT FOR THE BANK TO
MAKE THIS LOAN AND EXTENSIONS OF CREDIT TO BORROWER.

     IN WITNESS WHEREOF, the undersigned has executed these presents as of the
day and year first above written.

Witnesses:                             GO2 PHARMACY, INC.,
                                       a Florida corporation,

_________________________________      By: Jual K. Taneja
Signature of Witness                       --------------
                                       JUAL K. TANEJA as its CHAIRMAN
_________________________________      --------------        --------
Print or type Name of Witness
                                       ATTEST: /s/ Carol Dore-Falcone
_________________________________              --------------------------------
Signature of Witness                           Carol Dore-Falcone, as its Vice
                                               President/Chief Financial Officer
_________________________________
Print of type Name of Witness                  (CORPORATE SEAL)

No documentary taxes are due under Florida law in connection with the execution
of this Note.

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                              SECURITY AGREEMENT
                              ------------------

          THIS SECURITY AGREEMENT is made, entered into and effective as of the
8 day of March , 2001, by and between FIRST COMMUNITY BANK OF AMERICA, a Florida
-
banking corporation (the "Lender") and G02 PHARMACY, INC., a Florida corporation
(the "Borrower"), to secure the faithful performance of that certain Promissory
Note of even date herewith, (hereinafter the "Note") in the amount of
$650,000.00.

                             W I T N E S S E T H:

          In consideration of the extension of credit by Lender to Borrower
pursuant to the Note and other documents made by Borrower in favor of Lender
(the "Credit Documents") which are incorporated herein by this reference, and
which extension of credit is in the direct interest and advantage of Borrower,
Lender and Borrower agree as follows with respect to certain Collateral (as
defined below).

                                   ARTICLE I

                               Security Interest
                               -----------------

          As security for the payment of the obligations and the performance of
all obligations of Borrower to Lender under the Note, Borrower hereby grants a
continuing, general lien upon and security interest and title in and to First
Community Bank of America Certificate of Deposit No. 30028430 (the
"Collateral").

                                  ARTICLE II

                         Events of Default and Remedies
                         ------------------------------

          2.01. An Event of Default shall exist hereunder in the event that (i)
Borrower fails to timely pay any amounts due under the Note; or (ii) Borrower
fails to safeguard and maintain the Collateral. Upon the occurrence or existence
of an Event or Default, or at any time thereafter, Lender shall have all of the
rights and remedies described in this Agreement, at law or in equity, all of
which rights shall be cumulative and nonexclusive of all other rights, powers
and remedies available to Lender, and Lender may exercise any one, more or all
of such remedies, in its sole discretion.

          2.02 Remedies. Lender shall have all of the rights and remedies of a
               --------
secured party provided by law including, without limitation, those provided
under the Florida Commercial Code, as in effect on the date hereof, whether or
not provided under applicable law at the time of exercise, and such rights and
remedies under the Florida Commercial Code are incorporated herein and made a
part of the contract between Borrower and Lender by this reference.

                                  ARTICLE III

                             Covenants of Borrower
                             ---------------------

          3.01. Protection of Collateral. Borrower shall not use the Collateral
                ------------------------
illegally, and shall suffer to exist no, lien, levy, seizure or attachment of
the Collateral. Borrower shall diligently and in good faith use its best efforts
to protect the value of the Collateral, and to prevent any action from being
taken that would or could, in the exercise of reasonable business judgment,
jeopardize or diminish the security

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afforded to Lender by the Collateral.

          3.02  Location.  The address of Borrower is 6950 Bryan Dairy Road,
                --------
Largo, FL 33777. Said location is and shall at all times be the Borrower's
principal place of business, unless otherwise agreed to in writing by Lender.
Borrower also maintains a secondary place of business at 12393 Belcher Road,
Largo, FL 33777. The Collateral shall be delivered to the Lender, and the Lender
shall maintain possession thereof as long as the Note shall remain unpaid.

          3.03  Priority.  Borrower hereby represents that Lender has a security
                --------
interest in the Collateral valid against all third parties and superior in
priority to all third parties, and Borrower agrees to take all actions necessary
to ensure that Lender maintains such superior priority in the Collateral.

          3.04.  Collateral.  Borrower shall not sell or otherwise dispose of
                 ----------
the Collateral; shall not create, incur, assume or suffer to exist any mortgage,
pledge, lien, charge, security interest or other encumbrance on the Collateral
other than the security interest hereunder; or change the location of the
Collateral, its records with respect hereto or its corporate or other fictitious
name without giving Lender at least thirty (30) days prior written notice
thereof and delivering to Lender financing statements or other documents as may
be requested by Lender to maintain the perfection of its security interest in
the Collateral.

          3.05  Further Assurances.  Borrower shall do and execute all and such
                ------------------
further lawful and reasonable acts, conveyances and assurances for the better
and more effective carrying out of the intents and purposes of the Credit
Documents as Lender may require from time to time.

                                  ARTICLE IV

                              General Conditions
                              ------------------

          4.01. Rights of Third Parties.  All conditions to the obligations of
                -----------------------
Lender under the Credit Documents are imposed solely and exclusively for the
benefit of Lender, no other person or entity shall have standing to require
satisfaction of such conditions or be entitled to assume that Lender will take
any action, and no other person or entity shall, under any circumstance, be
deemed to be a beneficiary of such conditions, any of which may be freely waived
in whole or in part by Lender at any time in its sole discretion. Nothing in the
Credit Documents or the acts of the parties hereto shall be construed to create
an agency, partnership or joint venture between Borrower and Lender or to make
Lender liable for debts or claims accruing against Borrower.

          4.02. Notices.  Any and all notices, elections, demands, requires and
                -------
responses thereto permitted or required to be given here under shall be in
writing, signed by or on behalf of the party giving the same, and shall be
deemed to have been properly given and shall be effective upon being personally
delivered, or upon being deposited in the United States mail, postage prepaid,
certified with return receipt required, to the other party at the address of
such other party set forth below or at such other address within the continental
United States as such other party may designate by notice specifically
designated as a notice of change of address and given in accordance herewith;
and provided that no notice of change of address shall be effective until the
date of receipt thereof. Rejection or other refusal to accept or inability to
deliver because of changed address of which no notice has been received shall
also constitute receipt. Any such notice, election, demand, request or response,
to be given to Lender or Borrower, shall be addressed as follows:

          A.    As to Lender:
                ------------

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                First Community Bank of America
                Attention: Vicki Spears, Sr. Vice President
                6100 - 4/th/ Street North
                St. Petersburg, FL 33703

          B.    As to Borrower:
                --------------

                Go2 Pharmacy, Inc.
                Attention: Jugal K. Taneja
                  Chairman of the Board
                6950 Bryan Dairy Road
                Largo, FL 33777

Borrower agrees that notice given at least five (5) days prior to any action
taken by Lender pursuant to any of the Credit Documents shall constitute
reasonable notice of any such action with respect to which Borrower is entitled
to notice from Lender.

          4.03. No Waiver; Remedies Cumulative.  No delay, indulgence,
                ------------------------------
departures, extension of time for payment, acceptance of a past due installment,
failure to accelerate the Obligations by reason of an Event of Default, or any
other act or omissions by Lender with respect to Borrower, and guarantor or any
other person now or hereafter liable on any obligation under the Credit
Documents shall release, discharge, modify, change or otherwise affect the
original liability of Borrower hereunder, be construed as a novation or a
reinstatement of any obligation, or as a waiver of any right of acceleration or
the right of Lender to insist upon strict compliance with the terms of the
Credit Documents, preclude Lender from exercising any right, privilege or power
granted in any Credit Document or by law, or alter the security title, security
interest or lien of any Credit Document. No right, power or remedy conferred
upon or reserved to Lender by any of the Credit Documents is intended to be
exclusive of any other right, power or remedy, but each and every such right,
power or remedy shall be cumulative and concurrent and shall be in addition to
any other right, power or remedy given thereunder or now or hereafter existing.

          4.04  Waiver.  Borrower hereby waives and renounces for itself, its
                ------
heirs, successors and assigns, all rights to the benefits of any moratorium,
reinstatement, marshalling, forbearance, valuation, stay, extension, redemption
and appraisement now provided or which may hereafter be provided by he
Constitution and laws of the United States and of any state thereof, both as to
itself and in and to all of its property, real and personal, against the
enforcement of this Agreement and the collection of any of the obligations
under the Credit Documents.

          4.05. Miscellaneous.  This Agreement shall inure to the benefit of and
                -------------
be binding upon the parties hereto and their respective heirs, executors,
administrators, legal representatives, successors, successors-in-title and
assigns. If any provision or part thereof or the application thereof to any
person or circumstance shall be invalid or unenforceable to any extent, the
remainder thereof and the application of such provisions to other persons or
circumstances shall not be affected thereby and shall be enforced to the
greatest extent permitted by law. All consents and approvals required or
permitted by any party hereunder shall be in writing and this Agreement may not
be changed, waived, discharged, modified or terminated orally, but only by an
instrument in writing signed by he party against whom enforcement is sought.
Time is of the essence of this Agreement. Whenever any payments, notice or
performance hereunder is due on a Saturday, Sunday or a public holiday under the
laws of the State of Florida (any other day being a "Business Day"), such
payment, notice or performance may be made on the next succeeding Business Day
and such extension of time shall be included in the computation of interest on
the Obligations. This Agreement shall be interpreted, construed and enforced
according to the laws of the State of Florida.

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          IN WITNESS WHEREOF, Borrower and Lender each have executed this
Security Agreement under seal of the date first above written.

                                     LENDER:

                                     FIRST COMMUNITY BANK OF AMERICA

                                     By: /s/ Vicki Spears
                                         -----------------------------------
                                         Vicki Spears, Sr. Vice President

                                         (Corporate Seal)

                                     BORROWER:

                                     GO2 PHARMACY, INC.

                                     By: /s/ Jugal K. Taneja
                                         -----------------------------------
                                         Jugal K. Taneja as its
                                         ---------------,
                                         Chairman
                                         -----------------------------------

                                     ATTEST: /s/ Carol Dore-Falcone
                                             -------------------------------
                                             CAROL DORE-FALCONE, as its
                                             Vice President/Chief Financial
                                             Officer

                                             (Corporate Seal)

                                       4
<PAGE>

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

     THIS LOAN AGREEMENT (the "Agreement") is made and entered into this day 8
of March, 2001 by and between FIRST COMMUNITY BANK OF AMERICA, a Florida banking
corporation, 6100 - 4/th/ Street North, St. Petersburg, FL 33703 (the "Bank"),
and GO2PHARMACY, INC., a Florida corporation (the "Borrower"), 6950 Bryan Dairy
Road, Largo, FL 33777.

     WHEREAS, Borrower has made application for a revolving line of credit loan
in the amount of $650,000.00 from the Bank (the "LOC Loan") for the purpose of
establishing a revolving line of credit for operating capital, to be secured by
a first lien on a certificate of deposit owned by Borrower and deposited with
the Bank, and the Bank has agreed to make such LOC Loan subject to the terms and
conditions contained in the promissory note evidencing the same, this Agreement
and related loan documents; and

     WHEREAS, Borrower has made application for a term loan in the amount of
$551,512.00 from The Bank (the "Term Loan"), secured by a first lien on all
furniture, fixtures and equipment of Borrower, now owned or hereafter acquired,
all as more particularly described herein below and in the Security Agreement
executed by the Borrower simultaneously herewith, and the Bank has agreed to
such Term Loan subject to the terms and conditions contained in the promissory
note evidencing the same, this Agreement and all related loan documents; and

     WHEREAS, the terms "Loan" or "Loans" as used hereafter without any further
description, shall indicate all liabilities of Borrower to Lender, including
without limitation the LOC Loan and the Term Loan; and

     WHEREAS, during the term of the Loans, Borrower may seek additional
financing from the Bank which, if approved by the Bank, shall be subject to the
terms an conditions of this Agreement.

     NOW, THEREFORE, for and in consideration of the promises and covenants
contained herein, the sufficiency of which is acknowledged by the parties, they
hereby agree as

     1.   The recitals contained herein above are true and correct.

     2.   The Borrower shall execute its promissory notes for any Loan made by
the Bank under this Agreement.

     3.   The LOC Loan and the Term Loan shall be secured by the following:

          a.   The LOC Loan Collateral.  As collateral for the LOC Loan, the
               -----------------------
Borrower hereby assigns, conveys, pledges and grants to the Bank a continuing
first security interest in that certain Certificate of Deposit in the principal
amount of $650,000.00, more particularly described as First Community Bank of
America Certificate of Deposit No. 30028430 (the "Certificate of Deposit").

          b.   The Term Loan Collateral. As collateral for the Term Loan, the
               ------------------------
Borrower hereby assigns, conveys, pledges and grants to the Bank a continuing
first lien and security interest in all furniture, fixtures and equipment now
owned or hereafter acquired by the

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Borrower wheresoever situated (the "Term Collateral"). For the purposes of this
Agreement, the term "equipment" means all of the equipment of the Borrower
(within the meaning of the Uniform Commercial Code, as from time to time in
effect in the State of Florida), and all purchase orders and other similar
instruments for the purchase of equipment by the Borrower, now or hereafter
owned or acquired, and wheresoever located, as well as all parts, accessions,
and additions thereto, proceeds therefrom and substitutions and replacements
therefor.

Any default by the Borrower under any obligation to the Bank shall be a default
under this Agreement and any promissory note(s) executed by Borrower in favor of
the Bank, entitling the Bank to exercise all legal remedies allowed by law.

     4.   a.   Borrower acknowledges that the promissory note for the LOC Loan
is a revolving line of credit note under which the Bank shall lend and the
Borrower may borrow, pay, reborrow and repay as often as Borrower wishes during
the life of the promissory note with certain restrictions.

          b.   Borrower acknowledges that the promissory note for the Term Loan
is not a revolving line of credit note, but that the entire principal amount of
the Term Note will not be funded at the time the Term Note is executed. The Bank
and the Borrower agree that, to the extent any portion of the principal amount
of the Term Note is not funded at the time of execution thereof, the unfunded
balance shall be available for draw by the Borrower subject to the following
conditions:

               (1)  For a period of ninety (90) days after the date of the Term
Note, the Borrower shall have the right to draw against any unfunded portion of
the principal of the Term Note for the purchase of Qualifying Equipment. For the
purposes of this Agreement, Qualifying Equipment shall mean new capital
equipment for use in the operation of the Borrower's business.

               (2)  In the event the Borrower desires to draw against the
unfunded portion of the principal of the Term Note, the Borrower shall give the
Bank at least three (3) days notice of the amount of the requested draw, which
request must be accompanied by a copy of a purchase order for the purchase of
one or more pieces of Qualifying Equipment.

               (3)  The amount of any particular draw against the unfunded
portion of the principal of the Term Note shall not exceed eighty (80%) percent
of the actual purchase price of the Qualifying Equipment as shown on the
purchase order.

               (4)  The maximum aggregate amount that may be drawn by the
Borrower under the Term Note is $551,512.00, including the amount funded at the
time of execution of the Term Note. The Term Note is not a revolving line of
credit note, and once the Borrower has drawn funds on the principal amount
thereof, such funds shall not be available for redraw, even if the Borrower has
repaid all or any portion of the amount drawn.

     5.   Borrower hereby covenants, represents and warrants as follows:

          a.   To the best of Borrower's knowledge, the financial information
which Borrower has heretofore delivered or caused to be delivered to the Bank in
connection with the Loans, to the best of Borrower's knowledge, is complete and
correct and fairly presents the financial condition of Borrower and the results
of its operations and transactions. To the best of

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Borrower's knowledge, there are no material liabilities, direct or indirect,
fixed or contingent, of the Borrower as of the date of delivery of such
information to the Bank which are not reflected therein. Since the date of the
delivery of such financial information to the Bank, to the best of Borrower's
knowledge, there has been no material adverse change in the financial condition
of the Borrower. Borrower shall immediately advise the Bank of any material
adverse change in its financial position and the nature of such change.

          b.   There is no action, suit, investigation or proceeding by or
before any court, arbitrator, administrative agency or other governmental
authority pending or, to the knowledge of Borrower, threatened against or
affecting Borrower which, if adversely determined, would materially adversely
affect the financial condition of Borrower. Borrower is not in default under (1)
any order writ, injunction, award, or decree of any court, arbitrator,
administrative agency or other governmental authority binding upon Borrower or
its assets or (2) any indenture, mortgage, contract, agreement or any other
undertaking or instrument to which it is a party or by which any of its
properties may be bound, and nothing has occurred which materially adversely
affects the Borrower's ability to perform its obligations under any such order,
writ, injunction, award or decree or any such indenture, mortgage, contract,
agreement or other undertaking.

          c.   Borrower shall pay from time to time as the same shall become due
and payable, the full amount of all taxes of every nature and kind, including
without limitation, documentary stamp taxes and intangible taxes as well as all
of the tax-related interest and penalties due on any promissory note(s) executed
and delivered by Borrower to the Bank. The Borrower further agrees to indemnify
and hold the Bank harmless from and against any and all documentary stamp taxes,
intangible taxes and interest and penalties thereon assessed in connection with
any loan transaction subject to this Agreement.

          d.   Borrower shall pay when due all taxes, license fees, assessments
and other liabilities and charges, except as shall be contested in good faith by
appropriate proceedings being diligently prosecuted; provided that with respect
to such contested matter, Borrower shall have created adequate reserves against
its possible liability thereunder; and provided, further, that if the Bank shall
notify Borrower that in its reasonable opinion, by non-payment of any such
                                                                      ----
matters the collateral for the Loan, or any part thereof, will be subject to
immediate loss or forfeiture, any such taxes, assessments or charges shall be
promptly paid by Borrower.

          e.   Borrower is duly formed, validly existing and in good standing
under the laws of the State of Florida and has all the power and authority to
consummate the transaction contemplated under this Agreement and any and all
other agreements and instruments executed in connection with the Loans. Borrower
shall preserve its corporate and limited liability existence, as applicable, and
be qualified to do business in all jurisdictions where its ownership of property
or the nature of its business requires such qualifications. The terms and
conditions of the Loan documents are binding upon and fully enforceable against
the Borrower. Borrower shall obtain and retain all necessary certificates,
licenses, permits and other permissions to conduct its business in accordance
with legal requirements.

          f.   Borrower agrees that it will not dissolve, consolidate, merge
into or otherwise materially alter the organization or operation of its business
without the prior written consent of the Bank, which consent shall not be
unreasonably withheld. Borrower further agrees that the ownership of Borrower
will not change during the term of any loan subject to this

                                       3
<PAGE>

Agreement, without the prior written consent of the Bank, which consent shall
not be unreasonably withheld.

          g.   At any time and from time to time after the execution and
delivery of this Agreement, Borrower shall, upon request of the Bank, execute
and deliver such further documents and do such further acts and things as the
Bank may reasonably request in order to fully effectuate the purposes of this
Agreement.

          h.   Borrower shall establish an account at the Bank which shall be
its principal operating account.

          i.   Borrower shall provide an unqualified, updated, certified (as
true and correct), and audited (by an independent certified public accountant)
annual financial statements to the Bank on or before the date which is one
hundred twenty (120) days after the end of each of Borrower's fiscal years
during the term of the Loans. Additionally, Borrower shall provide to the Bank
internally-prepared interim financial statements on a monthly basis within
thirty (30) days after the end of each month, certified by the Chief Financial
Officer of Borrower. The financial statements delivered to the Bank by the
Borrower will fairly and accurately represent the financial condition of the
Borrower as of the dates thereof or for the periods indicated. The financial
statement prepared by Borrower's accountant shall state that the preparer has no
knowledge that any Event of Default, or any event which with notice and/or lapse
of time would become an Event of Default as set forth herein, has occurred, or
if the preparer has knowledge that such an event has occurred, the details shall
be specified.

          j.   Borrower shall maintain a minimum cash balance on hand in
accounts established with the Bank of no less than $1,000,000.00 at all times
during the term(s) of the Loans.

          k.   Borrower shall make available to the Bank or its duly authorized
representatives, during business hours or at an otherwise reasonable time, the
books and records of Borrower for inspection and copying.

          l.   Borrower shall not incur additional indebtedness, except in the
ordinary course of business, without the prior written consent of the Bank, and
Borrower shall not allow any of its assets to become pledged or encumbered as
collateral for any indebtedness of Borrower or otherwise, except for pledges and
liens in favor of the Bank. Specifically, but not by way of limitation, so long
as the Term Loan shall remain in force, Borrower shall not convey, assign,
transfer or otherwise pledge any of its accounts receivable or inventory, either
as collateral or otherwise, to any person or firm, without the prior expressed
written consent of the Bank, which consent the Bank may grant or withhold at its
sole discretion.

          m.   To the best of Borrower's knowledge, Borrower has good and
marketable title to all of its assets, including specifically without limitation
the Certificate of Deposit and the Term Loan Collateral, subject to no lien,
mortgage, pledge, encumbrance or charge of any kind, except as set forth in the
financial statements which Borrower has previously furnished to the Bank. During
the term of this Agreement, Borrower agrees that it will not sell, convey,
transfer or otherwise divest itself of any of its assets (including any sale,
transfer or divestiture to any shareholder of Borrower) except the following:

               (1)   payment of sums due in the ordinary course of business;

                                       4
<PAGE>

               (2)   sales of inventory in the ordinary course of business;

               (3)   replacement of equipment to the extent that any equipment
sold, conveyed, transferred or otherwise removed will be replaced with similar
equipment of value at least as great as the equipment being replaced.

          n.   Borrower shall keep insured all of Borrower's property at its
full insurable value against such risks as the Bank may reasonably require.
Regarding collateral pledged as security for any obligation of Borrower to the
Bank, Borrower shall maintain and provide to the Bank evidence of insurance in
such amounts and for such hazards as the Bank may require. The Bank shall be a
named insured and loss payee on all policies applicable to Loan collateral.

          o.   Borrower shall comply with all land use, building, zoning, OSHA,
environmental, pollution, Americans with Disabilities Act and like laws, rules,
ordinances, and regulations promulgated by any governmental authority and
applicable to Borrower.

          p.   The address for Borrower given herein is the Borrower's chief
executive office and the location at which Borrower's books, records and other
financial and business documents are maintained. In the event that Borrower's
books, records or other financial and business documents are to be moved to a
different location, Borrower agrees to provide the Bank with the address of such
location at least five (5) days prior to the transfer taking place. Borrower
agrees that Borrower will not remove its books, records or other financial and
business documents from the State of Florida without the prior written consent
of the Bank.

          q.   Borrower warrants and represents to the Bank that all tangible
personal property of the Borrower in which the Bank has a security interest is
located at the address for Borrower given in this Agreement, or at 12393 Belcher
Road, Largo, Florida. In the event that the tangible personal property of
Borrower in which the Bank has a security interest is to be moved to a different
location, Borrower agrees to provide the Bank with the address of such location
at least five (5) days prior to the transfer taking place. Borrower agrees that
Borrower will not remove its tangible personal property in which the Bank has a
security interest from the State of Florida without the prior written consent of
the Bank.

     6.   Borrower agrees to provide the Bank during the term of this Agreement
with U annual audits of the Term Loan Collateral. The annual financial audit to
be provided by Borrower under the terms of this Agreement will serve as one of
such collateral audits provided that the CPA firm which performs the audit is
acceptable to the Bank in its reasonable discretion. The other collateral audit
will be performed by an independent party acceptable to the Bank or an agent of
the Bank, at the Bank's option. The cost of the collateral audits will be paid
by Borrower.

     7.   The happening of one or more of the following events (Event of
Default) shall constitute a default of the Loans:

          a.   if Borrower shall fail to make any payment of principal, interest
or other amount owing to the Bank when the same shall become due.

          b.   The occurrence of a material adverse change in the financial
condition of Borrower.

                                       5
<PAGE>

                  c. If Borrower shall fail to make any payment of principal or
interest on any other obligation for borrowed money or if Borrower shall default
in the performance of any other agreement, term or condition, contained in any
agreement under which such obligation is created, if the effect of such default
is to cause or permit the holder or holders of such obligations to cause such
obligations to become due prior to stated maturity.

                  d. If any representation or warranty made to the Bank by
Borrower or in any writing furnished in connection with or pursuant to this
Agreement by Borrower shall be false in any material respect on the date on
which made.

                  e. If Borrower defaults in the performance of any covenant
contained in this Agreement, or violates any other term, condition or
representation contained in this Agreement, the promissory notes evidencing the
Loans, or in any instrument, document or agreement related hereto or thereto.

                  f. If there are final judgments for the payment of money,
which are outstanding against Borrower and any one of such judgments has been
outstanding for more than ninety (90) days from the date of its entry and has
not been discharged in full or stayed pending further proceedings.

                  g. If a receiver, liquidator or trustee of Borrower or of any
material portion of its property, is appointed by court order and such order
remains in effect for more than thirty (30) days; or Borrower is adjudicated
bankrupt or insolvent; or any material portion of the properties of Borrower is
attached or sequestered by court order and such order remains in effect for more
than thirty (30) days; or a petition is filed against Borrower under any
bankruptcy, reorganization, arrangement, insolvency, readjustment of debt,
dissolution or liquidation law of any jurisdiction, whether now or thereafter in
effect, and is not dismissed within thirty (30) days after such filing.

                  h. If Borrower files a petition in voluntary bankruptcy or
seeks relief under any provision of any bankruptcy, reorganization, arrangement,
insolvency, readjustment of debt, dissolution or liquidation law of any
jurisdiction, whether now or hereafter in effect, or consents to the filing of
any petition against it under such law.

                  I. If Borrower makes an assignment for the benefit of its
creditors, or admits in writing its inability to pay its debts generally as they
become due, or consents to the appointment of a receiver, trustee or liquidator
of Borrower.

            8.    Upon the occurrence of any Event of Default, the Bank may,
without notice, declare the entire principal and all interest on the Loans and
all other indebtedness of Borrower to the Bank, whether direct or indirect, to
be immediately due and payable, and the Loans and all such indebtedness
thereupon shall be immediately due and payable, and the Bank may proceed to
collect the same, to set off against all monies owed to Borrower by the Bank in
any capacity, including without limitation monies held in bank depository
accounts, cash management lock box accounts, or as otherwise provided in the
instruments, documents and/or agreements signed by Borrower, including but not
limited to drawing on any letter(s) of credit, the Certificate of Deposit or
cash deposits which secure the Loans. The Bank shall also have such other rights
and remedies as provided herein or in any other instrument, document or
agreement executed by Borrower, at law or at equity, including but not limited
to the right to sue for and recover damages as a result of any such default. All
of the Bank's rights and remedies

                                       6
<PAGE>

shall be cumulative and not alternative and may be exercised consecutively or
concurrently at the Bank's option. The Borrower promises and agrees to pay all
costs and expenses of collection and reasonable attorneys' fees, including
costs, expenses and reasonable attorneys' fees and costs incurred pre and post
trial, on appeal and in any bankruptcy or regulatory proceedings.

         9.    The definition of accounting terminology used herein shall be in
accordance with Generally Accepted Accounting Principles (GAAP).

         10.   No waiver by the Bank of any default shall operate as a waiver of
any other default or of the same default on a future occasion. No delay or
omission on the part of the Bank in exercising any fight or remedy shall operate
as a waiver thereof, and no single or partial exercise by the Bank of any right
or remedy shall preclude any other or further exercise thereof or the exercise
of any other fights or remedy. Time is of the essence to this Agreement. The
provisions of this Agreement are cumulative and in addition to the provisions of
any liability and any note or writing evidencing any liability secured hereby.
This Agreement is solely for the benefit of the parties hereto; no other persons
are third party beneficiaries of this Agreement or have any fights or benefits
hereunder.

         11.   The singular pronoun, when used herein, shall include the plural,
and the neuter shall include the masculine and feminine.

         12.   All rights of the Bank hereunder shall inure to the benefit of
its successors and assigns; and all obligations of Borrower shall bind the
heirs, executors, administrators, successors, and assigns of the Borrower.

         13.   This Agreement shall be construed in accordance with and governed
by the laws of Florida. Wherever possible, each provision of this Agreement
shall be interpreted in such manner as to be effective and valid under
applicable law, but if any provision of this Agreement shall be ineffective, the
invalidity of such provision will not affect the enforceability of the remainder
of this Agreement.

         14.   This Agreement may be executed in counterparts, each of which
shall be deemed an original and consolidated as one agreement.

         15.   To the extent any of the definitions, terms, covenants,
agreements and provisions contained in this Agreement are in conflict with any
of the definitions, terms, covenants, agreements and provisions of any
promissory note(s), security agreement, or any other document evidencing or
securing the Loans, the definitions, terms, covenants, agreements and provisions
contained in this Agreement shall control.

         16.   BORROWER AND THE BANK HEREBY KNOWINGLY, VOLUNTARILY AND
INTENTIONALLY WAIVE THE RIGHT THEY OR ANY OF THEM MAY HAVE TO TRIAL BY JURY IN
ANY ACTION ARISING OUT OF, OR BASED UPON, THIS AGREEMENT, THE PROMISSORY NOTES
REPRESENTING THE LOANS, THE COLLATERAL FOR THE LOANS, AND ANY AGREEMENT
CONTEMPLATED TO BE EXECUTED IN CONJUNCTION HEREWITH OR ANY COURSE OF CONDUCT,
COURSE OF DEALING, STATEMENTS (WHETHER WRITTEN OR VERBAL) OR ACTIONS OF EITHER
PARTY. THIS PROVISION IS A MATERIAL INDUCEMENT FOR THE BANK EXTENDING CREDIT TO
BORROWER.

                                       7
<PAGE>

     IN WITNESS WHEREOF, Borrower and the Bank have hereunto set their hands and
seals.

<TABLE>
<S>                                             <C>
THE BANK:                                       BORROWER:

FIRST COMMUNITY BANK OF AMERICA                 G02PHARMACY, INC.

By:/s/Vicki Spears  SVP                           By: /s/Jugal K. Taneja
   ----------------------------                     --------------------------------
    VICKI SPEARS,                                   JUGAL K. TANEJA
    As its Senior Vice President                    --------------------------------

                                                        As its  CHAIRMAN
                                                        ----------------------------

    (CORPORATE SEAL)                            Attest: /s/Carol Dore-Falcone
                                                        ----------------------------
                                                         CAROL DORE-FALCONE
                                                         As its Vice President/Chief
                                                         Financial Officer

                                                         (CORPORATE SEAL)
</TABLE>

STATE OF FLORIDA)
COUNTY OF PINELLAS)

     The foregoing was sworn to, subscribed and acknowledged before me, the
undersigned authority, by Vicki Spears, as Senior Vice President of First
Community Bank of America, a Florida banking corporation, well known to me
personally, or who produced ______________________ as identification, on behalf
of the corporation.

                                                      __________________________
                                                      NOTARY PUBLIC
My Commission Expires:                                __________________________
                                                      Print or type name

STATE OF FLORIDA)
COUNTY OF PINELLAS)

     The foregoing was sworn to, subscribed and acknowledged before me, the
undersigned authority, by ___________________________ as ________________ and
Carol Dore-Falcone, as Vice President/Chief Financial Officer of Go2Pharmacy,
Inc., a Florida corporation, well known to me personally, or who produced
________________________ and __________________________, respectively as
identification, on behalf of the corporation.

                                                      __________________________
                                                      NOTARY PUBLIC
My Commission Expires:                                __________________________
                                                      Print or type name

                                       8
<PAGE>

                COLLATERAL ASSIGNMENT OF CERTIFICATE OF DEPOSIT
                -----------------------------------------------

         THIS COLLATERAL ASSIGNMENT (the "Assignment") made this 8 day of
March 2001, by G02PHARMACY, INC., a Florida corporation, with an address of
6950 Bryan Dairy Road, Largo, FL 33777, (hereinafter referred to as "Borrower")
to FIRST COMMUNITY BANK OF AMERICA, a Florida banking corporation with an
address of 6100 - 4/th/ Street North, St. Petersburg, FL 33703, (hereinafter
referred to as "Assignee"):

                             Preliminary Statement
                             ---------------------

         Borrower is indebted to Assignee in the original principal amount of
$650,000.00 (the "Loan") as evidenced by a certain promissory note dated March 8
2001 (the "Note").

         Assignee will make the Loan to Borrower provided, among other things,
that Borrower shall assign to Assignee all of its right, title and interest in
and to First Community Bank of America Certificate of Deposit No. 30028430 (the
"Certificate").

         Borrower is willing to make such assignment on the terms and conditions
hereof as an inducement to Assignee to make the Loan to Borrower.

         NOW, THEREFORE, in consideration of the Loan and for other good and
valuable consideration, the receipt whereof is hereby acknowledged, Borrower
hereby grants, conveys, transfers and assigns to Assignee all of its right,
title and interest in and to the Certificate, and any proceeds, substitutions,
modifications, renewals or extensions thereof.

         1. This Assignment is a present and irrevocable assignment and is made
for the purpose of securing payment of the Loan, including:

            (a)  All sums and indebtedness now or hereafter due under the Note;

            (b)  All liabilities and other obligations of payment and
performance under this Assignment, or any other agreement securing the Note
(collectively the "Security Documents"); and

            (c)  All liabilities and obligations of payment and performance
under any of the documents executed in connection therewith. All references to
the Note and Security Documents shall include all amendments, extensions or
renewals thereof.

         2. Borrower hereby represents, covenants and warrants:

            (a)  That the Certificate is currently in full force and effect and
unmodified.

            (b)  That Borrower is the owner of the Certificate, and Borrower
shall defend Assignee against all and every person or persons lawfully claiming,
or who may claim the same or any part thereof, subject only to the performance
and observance of all of the terms, covenants, conditions and warranties
thereof.

                                       1
<PAGE>

         3. The Borrower will at all times promptly and faithfully in all
respects conform to and comply with the terms and conditions of the Certificate
and the Borrower further covenants that it will not do or permit anything to be
done, the doing of which, or refrain from doing anything, the omission of which,
will impair or tend to impair the security of this Assignment or will be grounds
for declaring a forfeiture or termination of the Certificate.

         4. The Borrower also covenants that it will not modify or in any way
alter the terms of the Certificate (except it may renew or extend) or cancel or
surrender the Certificate; and said Borrower does by these presents expressly
release, relinquish and surrender unto the Assignee all its right and authority
to cancel, surrender, amend, modify or alter in any way the terms and provisions
of the Certificate and any attempt on the part of the Borrower to exercise any
such right without the written authority and consent of the Assignee thereto
being first had and obtained shall constitute a default under the terms hereof
and the entire indebtedness secured hereby shall, at the option of the Assignee,
become due and payable forthwith and without notice.

         5. In the event of any failure by Borrower to perform any covenant on
the part of Borrower to be observed and performed under the Certificate, the
performance by Assignee on behalf of the Borrower of the Collateral covenant
shall not remove or waive, as between Borrower and Assignee, the corresponding
default under the terms hereof and any amount so advanced or any costs incurred
in connection therewith, with interest thereon, shall be repayable by Borrower
without demand, secured hereby and any such failure aforesaid shall be subject
to all of the rights and remedies of Assignee hereunder available on account of
any default.

         6. In the event of the bankruptcy or insolvency of Borrower, then the
whole of the said principal sum secured hereby shall, at the option of the
Assignee, be deemed to have become immediately due and payable and the same,
with interest thereon and with all other costs and charges, shall thereupon be
collectible in the same manner as if the whole of the principal sum had been
made payable at the time when any of the foregoing covenants shall have
occurred.

         IN WITNESS WHEREOF, Borrower has hereunto caused these presents to be
executed under its hand and seal the day and year first herein written.

WITNESSES:                            GO2PHARMACY, INC., a Florida
                                      Corporation

/s/     Vicki Spears                  By: /s/Jugal K. Taneja
---------------------------               --------------------------------------
Witness signature                         JUGAL K. TANEJA as its CHAIRMAN
                                          ---------------        --------

       Vicki Spears
---------------------------               --------------------------------------
Print or type witness name
                                      ATTEST: /s/Carol Dore-Falcone
                                              ----------------------------------
/s/    Vicki Spears                           Carol Dore-Falcone, as its Vice
---------------------------                   President/Chief Financial Officer
Witness signature

        Vicki Spears
---------------------------
Print or type witness name

                                       2
<PAGE>

                           LOAN SETTLEMENT STATEMENT

CLOSING DATE:       March 8, 2001

LENDER:             FIRST COMMUNITY BANK OF AMERICA

BORROWER:           GO2PHARMACY, INC.

LOAN AMOUNTS:       Term Loan:                $551,512.00
                    Line of Credit Loan:      $650,000.00

COLLATERAL:         Term Loan:                Furniture, Fixtures and Equipment

                    Line of Credit Loan:      First Community Bank of America
                                              Certificate of Deposit No.
                                              30028430

________________________________________________________________________________

                      SETTLEMENT COSTS AND DISBURSEMENTS:

     ITEM                               RECIPIENT                      AMOUNT
     ----                               ---------                      ------

1.   Loan Commitment Fee                FCBOA
      Term Loan                                                        500.00
      Line of Credit Loan                                              500.00

2.   Recording Fee                      Clerk of Circuit Court          10.50
      UCC-1 Financing Statement

3.   Filing Fee - UCC-1                 Secretary of State              28.00

4.   Lender's Attorneys Fees            Deeb & Brainard, P.A.        2,500.00
     Miscellaneous Costs                                                75.00
     Additional UCC-3 Filing Fees                                      100.00

5.   Corporate Certificate of           Deeb & Brainard, P.A.           25.00
     Good Standing

6.   UCC-11 Search                      Deeb & Brainard, P.A.           50.00

7.   Loan Payoff of ClT Group
     Principal: $909,748.33
     Interest through 3/8/01 $2,506.92
     Clearance on payout $1,361.64
     Total                                                            913,347

8.   Loan Payoff of FCBOA
     Principal: $60,440.02
     Interest through 3/8/01 $47.19
     Total                                                          60,487.21

     TOTAL LOAN SETTLEMENT COSTS AND DISBURSEMENTS:               $977,892.60
                                                                   ----------
                                       1

<PAGE>

THE UNDERSIGNED BORROWER ACKNOWLEDGE THE RECEIPT OF THIS LOAN SETTLEMENT
STATEMENT, AGREE TO THE CORRECTNESS THEREOF AND AUTHORIZE AND RATIFY THE
DISBURSEMENT OF THE FUNDS AS STATED ABOVE. BORROWER ACKNOWLEDGES THAT SOME OF
THE ABOVE COSTS MAY BE ESTIMATES; EXCESS COSTS SHALL BE BILLED TO AND REIMBURSED
BY BORROWER. BORROWER FURTHER ACKNOWLEDGES THAT THE LOAN PROCEEDS ARE FOR
BUSINESS PURPOSES ONLY AND ARE NOT FOR PERSONAL, FAMILY OR HOUSEHOLD USE.

                                      GO2PHARMACY, INC., a Florida corporation

                                      By: Jugal K. Taneja
                                          --------------------------------------

                                          JUGAL K. TANEJA
                                          ------------------------
                                          As its CHAIRMAN
                                                 -----------------

                                      ATTEST: Carol Dore-Falcone
                                              ----------------------------------
                                              Carol Dore-Falcone
                                              As its Vice President/
                                              Chief Financial Officer

                                              (CORPORATE SEAL)

                                       2
<PAGE>

                MARITIME/INTERNATIONAL WATERS CLOSING AFFIDAVIT

         BEFORE ME, the undersigned, a licensed captain of the "Key of The Sea"
Personally appeared Vicki Spears, the Senior Vice President of FIRST COMMUNITY
BANK OF AMERICA ("Bank") and _Jugal K. Taneja and Carol Dore-Falcone, the
Chairman of the Board and Vice President/CFO of Go2Pharmacy, Inc.,
("Borrower"), who, being by me first duly sworn, stated:

         1        On the date hereof, the Borrower executed a promissory note
                  (the "Note") of even date herewith in the principal amount of
                  $551,512.00, in favor of the Bank on the "Key of The Sea" 24
                  41 650 N, and 8 2 5 9 4 1 0 W.
                  --------      ---------------

         2.       The Borrower personally delivered the Note to Bank, and Bank
                  accepted the Note on the Key of The Sea date hereof on the
                  86Proof at 24 41 650/N/ and 8 2 5 9 4 1 0 W.
                             ------------     ---------------

         Dated this 8/th/ day of March, 2001.

                                         Signature of Borrower's Officer

                                         /s/ Jugal K. Taneja
                                         ---------------------------------------
                                         Jugal K. Taneja, Chairman of the Board

                                         /s/ Carol Dore-Falcone
                                         ---------------------------------------
                                         Carol Dore-Falcone, V.P. and CFO

                                         Signature of Bank's Officer or Agent

                                         /s/ Vicki Spears SVP
                                         ---------------------------------------
                                         Vicki Spears

                                         ---------------------------------------
                                         Senior Vice President

         Sworn to and subscribed before me this

         8/th/ day of March, 2001

          /s/ Bill Findeison
         -------------------------------
         Licensed Vessel Captain
<PAGE>

DEPT OF TRANSP. U.S. COAST GUARD. CG-2849 (REV. 8-67)                 FILE NO.
SERIAL NUMBER                                                       ISSUE NUMBER
   912273                                                                1

                           UNITED STATES COAST GUARD

                                    [LOGO]

                                    LICENSE

                        TO U.S. MERCHANT MARINE OFFICER

This is to certify that   ***  WILLIAM F FINDEISON  ***
                       ---------------------------------------------------------
having been duly examined and found competent by the
undersigned is licensed to serve as MASTER OF STEAM OR MOTOR
                                    --------------------------------------------
   VESSELS NOT MORE THAN 50 GROSS REGISTERED TONS (DOMESTIC TONNAGE)
--------------------------------------------------------------------------------
   UPON NEAR COASTAL WATERS.
--------------------------------------------------------------------------------

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

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

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

--------------------------------------------This license expires on the 11th day
                                            of October, 2005
for the term of five years from this date.

Given under my hand this      11th      day of OCTOBER      , XX  2000.
                        ---------------        -------------      ----

         MIAMI, FL                          G. C. HERNANDEZ, USCG, BY DIR
----------------------------        ----------------------------------------
           Port                      Officer in Charge of Marine Inspection

<PAGE>

                           WAIVER OF LANDLORD'S LIEN
                           -------------------------

                     WAIVER dated this __ day of March, 2001, by YALE MOSK &
            CO., ("Landlord"), in favor of FIRST COMMUNITY BANK OF AMERICA,
            ("Bank").

                     WHEREAS, Landlord is the owner of the premises more
            particularly described as 12393 Belcher Road, #420, Largo, Florida,
            ("Premises"), and is the Landlord under a lease of such Premises
            with G02 PHARMACY, INC., d/b/a INNOVATIVE HEALTH PRODUCTS, INC.
            ("Borrower"), as tenant and YALE MOSK & CO.

                     WHEREAS, Borrower is indebted to Bank in connection with
            certain business financing secured by a first lien against
            Borrower's furniture, fixtures and equipment placed or kept from
            time to time at the Premises, ("Loan Transaction"), and Bank has
            required Borrower to obtain this waiver from Landlord as a condition
            of such financing.

                     NOW THEREFORE, in consideration of $1.00 and other good and
            valuable consideration, receipt of which is hereby acknowledged,
            the Landlord does hereby agree to waive its Landlord's lien, both by
            Florida law and by contract, if any, against Borrower's furniture,
            fixtures and equipment place or kept in the Premises from time to
            time in favor of Bank for as long as Bank's security interest
            thereon shall remain in effect. In the event Bank shall give
            Landlord written notice of a default by Borrower under the Loan
            Transaction, Landlord shall permit Bank reasonable access to the
            Premises in order for Bank to enforce any of its rights under any
            security instrument.

                     This Waiver is intended only waive Landlord's lien so long
            as the Bank's security interest remains in effect, and at such time
            as such security interest expires or is terminated, Landlord's lien
            right shall thereafter be restored.

                     IN WITNESS WHEREOF, Landlord has caused this Waiver to be
            executed the date and year first above written.

            /s/ David M. Neiman                   YALE MOSK & CO
            -------------------------
            Witness Signature
                                                  By: /s/ Matt Mosk
                                                      --------------------------
            /s/ Carol Dore-Falcone                    Matt Mosk as it President
            -------------------------                 ---------       ----------
            Witness Signature

            [Notary acknowledgments on next page]
<PAGE>

STATE OF FLORIDA)
COUNTY OF PINELLAS)

     The foregoing was sworn to, subscribed and acknowledged before me, the
undersigned authority by MATTHEW MOSK as PRESIDENT of YALE MOSK & CO., well
known to me personally, or who produced __________ as identification on behalf
of the corporation.

                                             Gwendolyn G. Howard
                                             -------------------
                                             Notary Public

My Commission Expires:                       Gwendolyn G. Howard
                                             -------------------
                                             Print or type name

                            Gwendolyn G Howard
                            My Commission CC988408
                            Expires December 17, 2004
<PAGE>

                     AGREMENT WAIVING RIGHT TO JURY TRIAL
                     ------------------------------------

         THIS AGREEMENT WAIVING RIGHT TO JURY TRIAL (this "Agreement") is
made as of the 8 day of March, 2001, by and among FIRST COMMUNITY BANK OF
AMERICA, a Florida banking corporation (the "Bank"), and G02 PHARMACY, INC., a
Florida corporation (the "Borrower").

                                   RECITALS:

         A. On or about of even date herewith, the Bank and Borrower have
entered into those certain loan documents (herein called, together with any and
all amendments and modifications thereof, the "Loan Documents"), pursuant to
which the Bank has agreed to make the Borrower a revolving line of credit loan
in the original principal amount of $650,000.00, and a term loan in the original
principal amount of $551,512.00 (collectively, the "Loans"), subject to the
terms and conditions set forth in the Loan Documents.

         B. In connection with the Loans, Borrower has executed and delivered to
the Bank certain Notes and that certain Loan Agreement, and one or more of the
parties hereto have executed and delivered and/or accepted certain other Loan
Documents. The capitalized terms set forth in the preceding sentence, and such
other capitalized terms in this Agreement, to the extent not otherwise expressly
defined herein, shall have the respective meanings ascribed thereto in the Loan
Documents.

         C. The Bank and Borrower recognize that the Loans are relatively
complex business transactions, that the Loan Documents are relatively lengthy
and technical in nature and may be susceptible to misinterpretation if isolated
provisions are the subject of review, and that in the event of any dispute as to
the rights and obligations of the parties under the Loan Documents and otherwise
with respect to the Loans, a judge, rather than a jury, would be the most
efficient and best qualified trier of fact. Accordingly, the Bank and Borrower
desire to waive their respective rights to jury trial with respect to any
litigation or other legal proceeding based on any Loan Document, or arising out
of, under or in connection with any Loan Document or the Loans.

                                  AGREEMENTS:

          NOW, THEREFORE, for and in consideration of the mutual covenants and
promises of the parties hereto, and in further consideration of the sum of Ten
Dollars ($10.00) and other good and valuable consideration in hand paid by each
party hereto to the other, the receipt and sufficiency of such consideration
being hereby mutually acknowledged, the Bank and Borrower hereby agree as
follows:

         1. The foregoing recitals are true and correct and are hereby
incorporated into this Agreement.

         2. The Bank and Borrower each knowingly, voluntarily, and intentionally
waives any right it may have to a trial by jury, with respect to any litigation
or legal proceedings based on, or arising out of the Notes, Loan Agreement, or
other Loan Document, including any course of conduct, course of dealings, verbal
or written statements, or actions or omissions of any party which in any way
relates to the Loans. The parties hereto have specifically discussed and
negotiated this waiver and understand the legal consequences of signing this
Agreement.

                                       1
<PAGE>

         3. This waiver by Borrower is material inducement for the Bank's making
of the Loan, and the Bank's waiver is a material inducement for Borrower's
acceptance of the Loan and for Borrower's giving the Notes and Loan Documents.

         4. At a party's request, the other parties will join in asking the
court in which suit is pending to try the case and decide all issues, including
issues of fact, without a jury.

         5. Notwithstanding the narrower definition ascribed to the term. "Loan"
or "Loans" above, the term "Loan" or "Loans" as used in this Agreement will
include, without limitation, any future advances, modifications, renewals,
extensions, and refinancings of the loans described in the recitals.

         6. If for any reason the waivers set forth in paragraph 2 are declared
or found by a court of competent jurisdiction to be invalid, illegal or
unenforceable, and any litigation or other legal proceeding relating to or
arising in connection with the Loans is in fact conducted before an impaneled
jury, each party hereto agrees that it will not seek to have this Agreement or
the existence thereof admitted into evidence with respect to such litigation or
other legal proceeding. The parties hereto acknowledge that damages are an
inadequate remedy for any breach of the covenant set forth in the preceding
sentence and, therefore, such covenant shall be subject to enforcement by
injunctive relief without the need to demonstrate the inadequacy of monetary
damages.

         7. If any one or more of the provisions contained in this Agreement is
declared or found by a court of competent jurisdiction to be invalid, illegal
or unenforceable, such provision or portion thereof shall be deemed stricken and
severed and the remaining provisions thereof shall continue in full force and
effect.

         8. This Agreement shall be binding upon and shall inure to the benefit
of the parties hereto and their respective heirs, legal and personal
representatives, successors and assigns.

         9. The validity, meaning and effect of this Agreement shall be
determined as provided by the law of the State of Florida applicable to
agreements made and to be performed in the State of Florida.

         The parties hereto have executed this Agreement on or as of the date
first above written.

BANK:                                       BORROWER:

FIRST COMMUNITY BANK OF AMERICA             GO2 PHARMACY, INC.

By: /s/ Vicki Spears SVP                    By: /s/ Jugal K. Taneja
    ------------------------------              ------------------------------
      VICKI SPEARS                                  Jugal K. Taneja
                                                ------------------------------
      As its Senior Vice President               As its Chairman
                                                        ----------------------

                                            ATTEST: /s/ Carol Dore-Falcone
                                                    --------------------------
                                                    CAROL DORE-FALCONE
                                                    As its Vice President/
                                                    Chief Financial Officer

      (CORPORATE SEAL)                           (CORPORATE SEAL)

                                       2<PAGE>

                                                                    Exhibit 10.4

[LOGO] Merrill Lynch                          WCMA(R)LOAN AND SECURITY AGREEMENT
================================================================================

WCMA LOAN AND SECURITY AGREEMENT NO. 760-07H76 ("Loan Agreement") dated as of
December 20, 2000, between DREAMS PRODUCTS, INC. D/B/A MOUNTED MEMORIES, a
corporation organized and existing under the laws of the State of Utah having
its principal office at 5009 N. Hiatus Road, Sunrise, FL 33151 ("Customer"), and
MERRILL LYNCH BUSINESS FINANCIAL SERVICES INC., a corporation organized and
existing under the laws of the State of Delaware having its principal office at
222 North LaSalle Street, Chicago, IL 60601 ("MLBFS").

In accordance with that certain WORKING CAPITAL MANAGEMENT(R) ACCOUNT AGREEMENT
NO. 760-07H76 ("WCMA Agreement") between Customer and MLBFS' affiliate, MERRILL
LYNCH, PIERCE, FENNER & SMITH INCORPORATED ("MLPF&S"), Customer has subscribed
to the WCMA Program described in the WCMA Agreement. The WCMA Agreement is by
this reference incorporated as a part hereof. In conjunction therewith and as
part of the WCMA Program, Customer has requested that MLBFS provide, and subject
to the terms and conditions herein set forth MLBFS has agreed to provide, a
commercial line of credit for Customer (the "WCMA Line of Credit").

Accordingly, and in consideration of the premises and of the mutual covenants of
the parties hereto, Customer and MLBFS hereby agree as follows:

                             Article I. DEFINITIONS

1.1  Specific Terms. In addition to terms defined elsewhere in this Loan
Agreement, when used herein the following terms shall have the following
meanings:

(a)  "Account Debtor" shall mean any party who is or may become obligated with
respect to an Account or Chattel Paper.

(b)  "Activation Date" shall mean the date upon which MLBFS shall cause the WCMA
Line of Credit to be fully activated under MLPF&S' computer system as part of
the WCMA Program.

(c)  "Additional Agreements" shall mean all agreements, instruments, documents
and opinions other than this Loan Agreement, whether with or from Customer or
any other party, which are contemplated hereby or otherwise reasonably required
by MLBFS in connection herewith, or which evidence the creation, guaranty or
collateralization of any of the Obligations or the granting or perfection of
liens or security interests upon the Collateral or any other collateral for the
Obligations.

(d)  "Bankruptcy Event" shall mean any of the following: (i) a proceeding under
any bankruptcy, reorganization, arrangement, insolvency, readjustment of debt or
receivership law or statute shall be filed or consented to by Customer or any
Guarantor; or (ii) any such proceeding shall be filed against Customer or any
Guarantor and shall not be dismissed or withdrawn within sixty (60) days after
filing; or (iii) Customer or any Guarantor shall make a general assignment for
the benefit of creditors; or (iv) Customer or any Guarantor shall generally fail
to pay or admit in writing its inability to pay its debts as they become due; or
(v) Customer or any Guarantor shall be adjudicated a bankrupt or insolvent.

(e)  "Business Day" shall mean any day other than a Saturday, Sunday, federal
holiday or other day on which the New York Stock Exchange is regularly closed.

(f)  "Collateral" shall mean all Accounts, Chattel Paper, Contract Rights,
Inventory, Equipment, Fixtures, General Intangibles, Deposit Accounts,
Documents, Instruments, Investment Property and Financial Assets of Customer,
howsoever arising, whether now owned or existing or hereafter acquired or
arising, and wherever located; together with all parts thereof (including spare
parts), all accessories and accessions thereto, all books and records (including
computer records) directly related thereto, all proceeds thereof (including,
without limitation, proceeds in the form of Accounts and insurance proceeds),
and the additional collateral described in Section 3.6 (b) hereof.

(g)  "Commitment Expiration Date" shall mean January 19, 2001.

(h)  "Default" shall mean either an "Event of Default" as defined in Section 3.5
hereof, or an event which with the giving of notice, passage of time, or both,
would constitute such an Event of Default.

(i)  "Default Interest Rate" shall mean a rate equal to the sum of the "Interest
Rate", as determined below, plus two percent (2%) per annum.

(j)  "General Funding Conditions" shall mean each of the following conditions to
any WCMA Loan by MLBFS hereunder: (i) no Default shall have occurred and be
continuing or would result from the making of any WCMA Loan hereunder by MLBFS;
(ii) there shall not have occurred and be continuing any material adverse change
in the business or financial condition of Customer or any Guarantor; (iii) all
representations and warranties of Customer or any Guarantor herein or in any
Additional Agreements shall then be true and correct in all material respects;
(iv) MLBFS shall have received this Loan Agreement and all of the Additional
Agreements, duly executed and filed or recorded where applicable, all of which
shall be in form and substance reasonably satisfactory to MLBFS; (v) MLBFS shall
have received evidence reasonably satisfactory to it as to the ownership of the
Collateral and the perfection and priority of MLBFS' liens and security
interests thereon, as well as the ownership of and the perfection and priority
of MLBFS' liens and security interests on any other collateral for the
Obligations furnished pursuant to any of the Additional Agreements; (vi) MLBFS
shall have received evidence reasonably satisfactory to it of the insurance
required hereby or by any of the Additional Agreements; and (vii) any additional
conditions specified in the "WCMA Line of Credit Approval" letter executed by
MLBFS with respect to the transactions contemplated hereby shall have been met
to the reasonable satisfaction of MLBFS.
<PAGE>

(k)  "Guarantor" shall mean a person or entity who has either guaranteed or
provided collateral for any or all of the Obligations; and "Business Guarantor"
shall mean any such Guarantor that is a corporation, partnership,
proprietorship, limited liability company or other entity regularly engaged in a
business activity.

(l)  "Initial Maturity Date" shall mean the first date upon which the WCMA Line
of Credit will expire (subject to renewal in accordance with the terms hereof);
to wit: November 30, 2001.

(m)  "Interest Due Date" shall mean the last Business Day of each calendar month
during the term hereof (or, if Customer makes special arrangements with MLPF&S,
the last Friday of each calendar month during the term hereof).

(n)  "Interest Rate" shall mean a variable per annum rate of interest equal to
the sum of 2.40% and the 30-day Dealer Commercial Paper Rate. The "30-day Dealer
Commercial Paper Rate" shall mean, as of the date of any determination, the
interest rate from time to time published in the "Money Rates" section of The
Wall Street Journal as the "Dealer Commercial Paper" rate for 30-day high-grade
unsecured notes sold through dealers by major corporations. The Interest Rate
will change as of the date of publication in The Wall Street Journal of a 30-day
Dealer Commercial Paper Rate that is different from that published on the
preceding Business Day. In the event that The Wall Street Journal shall, for any
reason, fail or cease to publish the 30-day Dealer Commercial Paper Rate, MLBFS
will choose a reasonably comparable index or source to use as the basis for the
Interest Rate. Upon the occurrence and during the continuance of a Default, the
Interest Rate with respect the WCMA Line of Credit may be increased to the
"Default Interest Rate", as herein provided.

(o)  "Line Fee" shall mean a fee of $17,500.00 payable periodically by Customer
to MLBFS in accordance with the provisions of Section 2.2 (k) hereof.

(p)  "Location of Tangible Collateral" shall mean the address of Customer set
forth at the beginning of this Loan Agreement, together with any other address
or addresses set forth on an exhibit hereto as being a Location of Tangible
Collateral.

(q)  "Maturity Date" shall mean the date of expiration of the WCMA Line of
Credit.

(r)  "Maximum WCMA Line of Credit" shall mean, as of any date of determination
thereof, an amount equal to the lesser of: (A) $3,500,000.00, or (B) 80% of
Customer's and Business Guarantors Accounts and Chattel Paper, as shown on its
regular books and records (excluding Accounts over 90 days old, or from any
shareholder, officer or employee of Customer or any affiliated entity), and 50%
of Customer's and Business Guarantors Inventory as shown on its regular books
and records.

(s)  "Obligations" shall mean all liabilities, indebtedness and other
obligations of Customer to MLBFS, howsoever created, arising or evidenced,
whether now existing or hereafter arising, whether direct or indirect, absolute
or contingent, due or to become due, primary or secondary or joint or several,
and, without limiting the foregoing, shall include interest accruing after the
filing of any petition in bankruptcy, and all present and future liabilities,
indebtedness and obligations of Customer under this Loan Agreement.

(t)  "Permitted Liens" shall mean with respect to the Collateral: (i) liens for
current taxes not delinquent, other non-consensual liens arising in the ordinary
course of business for sums not due, and, if MLBFS' rights to and interest in
the Collateral are not materially and adversely affected thereby, any such liens
for taxes or other non-consensual liens arising in the ordinary course of
business being contested in good faith by appropriate proceedings; (ii) liens in
favor of MLBFS; (iii) liens which will be discharged with the proceeds of the
initial WCMA Loan; and (iv) any other liens expressly permitted in writing by
MLBFS.

(u)  "Renewal Year" shall mean and refer to the 12-month period immediately
following the Initial Maturity Date and each 12-month period thereafter.

(v)  "WCMA Account" shall mean and refer to the Working Capital Management
Account of Customer with MLPF&S identified as Account No. 760-07H76 and any
successor Working Capital Management Account of Customer with MLPF&S.

(w)  "WCMA Loan" shall mean each advance made by MLBFS pursuant to this Loan
Agreement.

(x)  "WCMA Loan Balance" shall mean an amount equal to the aggregate unpaid
principal amount of all WCMA Loans.

1.2 Other Terms. Except as otherwise defined herein: (i) all terms used in this
Loan Agreement which are defined in the Uniform Commercial Code of Illinois
("UCC") shall have the meanings set forth in the UCC, and (ii) capitalized terms
used herein which are defined in the WCMA Agreement shall have the meanings set
forth in the WCMA Agreement.

                      ARTICLE II. THE WCMA LINE OF CREDIT

2.1 WCMA PROMISSORY NOTE. FOR VALUE RECEIVED, Customer hereby promises to pay to
the order of MLBFS, at the times and in the manner set forth in this Loan
Agreement, or in such other manner and at such place as MLBFS may hereafter
designate in writing, the following: (a) on the Maturity Date, or if earlier, on
the date of termination of the WCMA Line of Credit, the WCMA Loan Balance; (b)
interest at the Interest Rate (or, if applicable, at the Default Interest Rate)
on the outstanding WCMA Loan Balance, from and including the date on which the
initial WCMA Loan is made until the date of payment of all WCMA Loans in full;
and (c) on demand, all other sums payable pursuant to this Loan Agreement,
including, but not limited to, the periodic Line Fee. Except as otherwise
expressly set forth herein, Customer hereby waives presentment, demand for
payment, protest and notice of protest, notice of dishonor, notice of
acceleration, notice of intent to accelerate and all other notices and
formalities in connection with this WCMA Promissory Note and this Loan
Agreement.

                                      -2-
<PAGE>

2.2 WCMA LOANS

(a) Activation Date. Provided that: (i) the Commitment Expiration Date shall not
then have occurred, and (ii) Customer shall have subscribed to the WCMA Program
and its subscription to the WCMA Program shall then be in effect, the Activation
Date shall occur on or promptly after the date, following the acceptance of this
Loan Agreement by MLBFS at its office in Chicago, Illinois, upon which each of
the General Funding Conditions shall have been met or satisfied to the
reasonable satisfaction of MLBFS. No activation by MLBFS of the WCMA Line of
Credit for a nominal amount shall be deemed evidence of the satisfaction of any
of the conditions herein set forth, or a waiver of any of the terms or
conditions hereof. Customer hereby authorizes MLBFS to pay out of and charge to
Customer's WCMA Account on the Activation Date any and all amounts necessary to
fully pay off any bank or other financial institution having a lien upon any of
the Collateral other than a Permitted Lien.

(b) WCMA Loans. Subject to the terms and conditions hereof, during the period
from and after the Activation Date to the first to occur of the Maturity Date or
the date of termination of the WCMA Line of Credit pursuant to the terms hereof,
and in addition to WCMA Loans automatically made to pay accrued interest, as
hereafter provided: (i) MLBFS will make WCMA Loans to Customer in such amounts
as Customer may from time to time request in accordance with the terms hereof,
up to an aggregate outstanding amount not to exceed the Maximum WCMA Line of
Credit, and (ii) Customer may repay any WCMA Loans in whole or in part at any
time, and request a re-borrowing of amounts repaid on a revolving basis.
Customer may request such WCMA Loans by use of WCMA Checks, FTS, Visa(R)
charges, wire transfers, or such other means of access to the WCMA Line of
Credit as may be permitted by MLBFS from time to time; it being understood that
so long as the WCMA Line of Credit shall be in effect, any charge or debit to
the WCMA Account which but for the WCMA Line of Credit would under the terms of
the WCMA Agreement result in an overdraft, shall be deemed a request by Customer
for a WCMA Loan.

(c) Conditions of WCMA Loans. Notwithstanding the foregoing, MLBFS shall not be
obligated to make any WCMA Loan, and may without notice refuse to honor any such
request by Customer, if at the time of receipt by MLBFS of Customer's request:
(i) the making of such WCMA Loan would cause the Maximum WCMA Line of Credit to
be exceeded; or (ii) the Maturity Date shall have occurred, or the WCMA Line of
Credit shall have otherwise been terminated in accordance with the terms hereof;
or (iii) Customer's subscription to the WCMA Program shall have been terminated;
or (iv) an event shall have occurred and be continuing which shall have caused
any of the General Funding Conditions to not then be met or satisfied to the
reasonable satisfaction of MLBFS. The making by MLBFS of any WCMA Loan at a time
when any one or more of said conditions shall not have been met shall not in any
event be construed as a waiver of said condition or conditions or of any
Default, and shall not prevent MLBFS at any time thereafter while any condition
shall not have been met from refusing to honor any request by Customer for a
WCMA Loan.

(d) Limitation of Liability. MLBFS shall not be responsible, and shall have no
liability to Customer or any other party, for any delay or failure of MLBFS to
honor any request of Customer for a WCMA Loan or any other act or omission of
MLBFS, MLPF&S or any of their affiliates due to or resulting from any system
failure, error or delay in posting or other clerical error, loss of power, fire,
Act of God or other cause beyond the reasonable control of MLBFS, MLPF&S or any
of their affiliates unless directly arising out of the willful wrongful act or
active gross negligence of MLBFS. In no event shall MLBFS be liable to Customer
or any other party for any incidental or consequential damages arising from any
act or omission by MLBFS, MLPF&S or any of their affiliates in connection with
the WCMA Line of Credit or this Loan Agreement.

(e) Interest. (i) An amount equal to accrued interest on the WCMA Loan Balance
shall be payable by Customer monthly on each Interest Due Date, commencing with
the Interest Due Date occurring in the calendar month in which the Activation
Date shall occur. Unless otherwise hereafter directed in writing by MLBFS on or
after the first to occur of the Maturity Date or the date of termination of the
WCMA Line of Credit pursuant to the terms hereof, such interest will be
automatically charged to the WCMA Account on the applicable Interest Due Date,
and, to the extent not paid with free credit balances or the proceeds of sales
of any Money Accounts then in the WCMA Account, as hereafter provided, paid by a
WCMA Loan and added to the WCMA Loan Balance. All interest shall be computed for
the actual number of days elapsed on the basis of a year consisting of 360 days.

(ii) Upon the occurrence and during the continuance of any Default, but without
limiting the rights and remedies otherwise available to MLBFS hereunder or
waiving such Default, the interest payable by Customer hereunder shall at the
option of MLBFS accrue and be payable at the Default Interest Rate. The Default
Interest Rate, once implemented, shall continue to apply to the Obligations
under this Loan Agreement and be payable by Customer until the date such Default
is either cured or waived in writing by MLBFS.

(iii) Notwithstanding any provision to the contrary in this Agreement or any of
the Additional Agreements, no provision of this Agreement or any of the
Additional Agreements shall require the payment or permit the collection of any
amount in excess of the maximum amount of interest permitted to be charged by
law ("Excess Interest"). If any Excess Interest is provided for, or is
adjudicated as being provided for, in this Agreement or any of the Additional
Agreements, then: (A) Customer shall not be obligated to pay any Excess
Interest; and (B) any Excess Interest that MLBFS may have received hereunder or
under any of the Additional Agreements shall, at the option of MLBFS, be: (1)
applied as a credit against the then unpaid WCMA Loan Balance, (2) refunded to
the payer thereof, or (3) any combination of the foregoing.

(f) Payments. All payments required or permitted to be made pursuant to this
Loan Agreement shall be made in lawful money of the United States. Unless
otherwise directed by MLBFS, payments on account of the WCMA Loan Balance may be
made by the delivery of checks (other than WCMA Checks), or by means of FTS or
wire transfer of funds (other than funds from the WCMA Line of Credit) to MLPF&S
for credit to Customer's WCMA Account. Notwithstanding anything in the WCMA
Agreement to the contrary, Customer hereby irrevocably authorizes and directs
MLPF&S to apply available free credit balances in the WCMA Account to the
repayment of the WCMA Loan Balance prior to application for any other purpose.
Payments to MLBFS from funds in the WCMA Account shall be deemed to be made by
Customer upon the same basis and schedule as funds are made available for
investment in the Money Accounts in accordance with the terms of the WCMA
Agreement. All funds received by MLBFS from MLPF&S pursuant to the aforesaid
authorization shall be applied by MLBFS to repayment of the WCMA Loan Balance.
The acceptance by or on behalf of MLBFS of a check or other payment for a lesser
amount than shall be due from Customer, regardless of any endorsement or
statement thereon or transmitted therewith, shall not be deemed an accord and
satisfaction or anything other than a payment on account, and MLBFS or anyone
acting on behalf of MLBFS may accept such check or other payment

                                      -3-
<PAGE>

without prejudice to the rights of MLBFS to recover the balance actually due or
to pursue any other remedy under this Loan Agreement or applicable law for such
balance. All checks accepted by or on behalf of MLBFS in connection with the
WCMA Line of Credit are subject to final collection.

(g) Irrevocable Instructions to MLPF&S. In order to minimize the WCMA Loan
Balance, Customer hereby irrevocably authorizes and directs MLPF&S, effective on
the Activation Date and continuing thereafter so long as this Agreement shall be
in effect: (i) to immediately and prior to application for any other purpose pay
to MLBFS to the extent of any WCMA Loan Balance or other amounts payable by
Customer hereunder all available free credit balances from time to time in the
WCMA Account; and (ii) if such available free credit balances are insufficient
to pay the WCMA Loan Balance and such other amounts, and there are in the WCMA
Account at any time any investments in Money Accounts (other than any
investments constituting any Minimum Money Accounts Balance under the WCMA
Directed Reserve Program), to immediately liquidate such investments and pay to
MLBFS to the extent of any WCMA Loan Balance and such other amounts the
available proceeds from the liquidation of any such Money Accounts.

(h) Statements. MLPF&S will include in each monthly statement it issues under
the WCMA Program information with respect to WCMA Loans and the WCMA Loan
Balance. Any questions that Customer may have with respect to such information
should be directed to MLBFS; and any questions with respect to any other matter
in such statements or about or affecting the WCMA Program should be directed to
MLPF&S.

(i) Use of WCMA Loan Proceeds. The proceeds of each WCMA Loan initiated by
Customer shall be used by Customer solely for working capital in the ordinary
course of its business, or, with the prior written consent of MLBFS, for other
lawful business purposes of Customer not prohibited hereby. Customer agrees that
under no circumstances will the proceeds of any WCMA Loan be used: (i) for
personal, family or household purposes of any person whatsoever, or (ii) to
purchase, carry or trade in securities, or repay debt incurred to purchase,
carry or trade in securities, whether in or in connection with the WCMA Account,
another account of Customer with MLPF&S or an account of Customer at any other
broker or dealer in securities, or (iii) unless otherwise consented to in
writing by MLBFS, to pay any amount to Merrill Lynch and Co., Inc. or any of its
subsidiaries, other than Merrill Lynch Bank USA, Merrill Lynch Bank & Trust Co.
or any subsidiary of either of them (including MLBFS and Merrill Lynch Credit
Corporation).

(j) Renewal at Option of MLBFS; Right of Customer to Terminate. MLBFS may at any
time, in its sole discretion and at its sole option, renew the WCMA Line of
Credit for one or more Renewal Years; it being understood, however, that no such
renewal shall be effective unless set forth in a writing executed by a duly
authorized representative of MLBFS and delivered to Customer. Unless any such
renewal is accompanied by a proposed change in the terms of the WCMA Line of
Credit (other than the extension of the Maturity Date), no such renewal shall
require Customer's approval. Customer shall, however, have the right to
terminate the WCMA Line of Credit at any time upon written notice to MLBFS.

(k) Line Fees. (i) In consideration of the extension of the WCMA Line of Credit
by MLBFS to Customer during the period from the Activation Date to the Initial
Maturity Date, Customer has paid or shall pay the Line Fee to MLBFS. If the Line
Fee has not heretofore been paid by Customer, Customer hereby authorizes MLBFS,
at its option, to either cause the Line Fee to be paid on the Activation Date
with a WCMA Loan, or invoice Customer for such Line Fee (in which event Customer
shall pay said fee within 5 Business Days after receipt of such invoice). No
delay in the Activation Date, howsoever caused, shall entitle Customer to any
rebate or reduction in the Line Fee or to any extension of the Initial Maturity
Date.

(ii) Customer shall pay an additional Line Fee for each Renewal Year. In
connection therewith, Customer hereby authorizes MLBFS, at its option, to either
cause each such additional Line Fee to be paid with a WCMA Loan on or at any
time after the first Business Day of such Renewal Year or invoiced to Customer
at such time (in which event Customer shall pay such Line Fee within 5 Business
Days after receipt of such invoice). Each Line Fee shall be deemed fully earned
by MLBFS on the date payable by Customer, and no termination of the WCMA Line of
Credit, howsoever caused, shall entitle Customer to any rebate or refund of any
portion of such Line Fee; provided, however, that if Customer shall terminate
the WCMA Line of Credit not later than 5 Business Days after the receipt by
Customer of notice from MLBFS of a renewal of the WCMA Line of Credit, Customer
shall be entitled to a refund of any Line Fee charged by MLBFS for the ensuing
Renewal Year.

                        Article III. GENERAL PROVISIONS

3.1 REPRESENTATIONS AND WARRANTIES

Customer represents and warrants to MLBFS that:

(a) Organization and Existence. Customer is a corporation, duly organized and
validly existing in good standing under the laws of the State of Utah and is
qualified to do business and in good standing in each other state where the
nature of its business or the property owned by it make such qualification
necessary; and, where applicable, each Business Guarantor is duly organized,
validly existing and in good standing under the laws of the state of its
formation and is qualified to do business and in good standing in each other
state where the nature of its business or the property owned by it make such
qualification necessary.

(b) Execution, Delivery and Performance. The execution, delivery and performance
by Customer of this Loan Agreement and by Customer and each Guarantor of such of
the Additional Agreements to which it is a party: (i) have been duly authorized
by all requisite action, (ii) do not and will not violate or conflict with any
law or other governmental requirement, or any of the agreements, instruments or
documents which formed or govern Customer or any such Guarantor, and (iii) do
not and will not breach or violate any of the provisions of, and will not result
in a default by Customer or any such Guarantor under, any other agreement,
instrument or document to which it is a party or by which it or its properties
are bound.

(c) Notices and Approvals. Except as may have been given or obtained, no notice
to or consent or approval of any governmental body or authority or other third
party whatsoever (including, without limitation, any other creditor) is required
in connection with the execution, delivery or performance by Customer or any
Guarantor of such of this Loan Agreement and the Additional Agreements to which
it is a party.

                                      -4-
<PAGE>

(d)  Enforceability. This Loan Agreement and such of the Additional Agreements
to which Customer or any Guarantor is a party are the respective legal, valid
and binding obligations of Customer and such Guarantor, enforceable against it
or them, as the case may be, in accordance with their respective terms, except
as enforceability may be limited by bankruptcy and other similar laws affecting
the rights of creditors generally or by general principles of equity.

(e)  Collateral. Except for any Permitted Liens: (i) Customer has good and
marketable title to the Collateral, (ii) none of the Collateral is subject to
any lien, encumbrance or security interest, and (iii) upon the filing of all
Uniform Commercial Code financing statements executed by Customer with respect
to the Collateral in the appropriate jurisdiction(s) and/or the completion of
any other action required by applicable law to perfect its liens and security
interests, MLBFS will have valid and perfected first liens and security
interests upon all of the Collateral.

(f)  Financial Statements. Except as expressly set forth in Customer's or any
Business Guarantor's financial statements, all financial statements of Customer
and each Business Guarantor furnished to MLBFS have been prepared in conformity
with generally accepted accounting principles, consistently applied, are true
and correct in all material respects, and fairly present the financial condition
of it as at such dates and the results of its operations for the periods then
ended (subject, in the case of interim unaudited financial statements, to normal
year-end adjustments); and since the most recent date covered by such financial
statements, there has been no material adverse change in any such financial
condition or operation. All financial statements furnished to MLBFS of any
Guarantor other than a Business Guarantor are true and correct in all material
respects and fairly represent such Guarantor's financial condition as of the
date of such financial statements, and since the most recent date of such
financial statements, there has been no material adverse change in such
financial condition.

(g)  Litigation. No litigation, arbitration, administrative or governmental
proceedings are pending or, to the knowledge of Customer, threatened against
Customer or any Guarantor, which would, if adversely determined, materially and
adversely affect the liens and security interests of MLBFS hereunder or under
any of the Additional Agreements, the financial condition of Customer or any
such Guarantor or the continued operations of Customer or any Business
Guarantor.

(h)  Tax Returns. All federal, state and local tax returns, reports and
statements required to be filed by Customer and each Guarantor have been filed
with the appropriate governmental agencies and all taxes due and payable by
Customer and each Guarantor have been timely paid (except to the extent that any
such failure to file or pay will not materially and adversely affect either the
liens and security interests of MLBFS hereunder or under any of the Additional
Agreements, the financial condition of Customer or any Guarantor, or the
continued operations of Customer or any Business Guarantor).

(i)  Collateral Location. All of the tangible Collateral is located at a
Location of Tangible Collateral.

(j)  No Outside Broker. Except for employees of MLBFS, MLPF&S or one of their
affiliates, Customer has not in connection with the transactions contemplated
hereby directly or indirectly engaged or dealt with, and was not introduced or
referred to MLBFS by, any broker or other loan arranger.

Each of the foregoing representations and warranties: (i) has been and will be
relied upon as an inducement to MLBFS to provide the WCMA Line of Credit, and
(ii) is continuing and shall be deemed remade by Customer concurrently with each
request for a WCMA Loan.

3.2 FINANCIAL AND OTHER INFORMATION

(a)  Customer shall furnish or cause to be furnished to MLBFS during the term of
this Loan Agreement all of the following:

(i)  Annual Financial Statements. Within 120 days after the close of each fiscal
year of Customer, a copy of the annual audited consolidated financial statements
of Customer and each Business Guarantor, including, in each case, in reasonable
detail, a balance sheet and statement of retained earnings as at the close of
such fiscal year and statements of profit and loss and cash flow for such fiscal
year;

(ii)  Interim Financial Statements. Within 45 days after the close of each
fiscal of Customer, a copy of the interim consolidated financial statements of
Customer and each Business Guarantor for such fiscal (including in reasonable
detail both a balance sheet as of the close of such fiscal period, and statement
of profit and loss for the applicable fiscal period);

(iii)A/R Agings. Within 15 days after the close of each fiscal month of
Customer, a copy of the Accounts Receivable Aging of Customer and each Business
Guarantor as of the end of such fiscal month;

(iv)     Inventory Reports. Within 15 days after the close of each fiscal month
of Customer, a copy of the Inventory Report (as and to the extent applicable,
breaking out Inventory by location, and separately reporting any work in
process) of Customer and each Business Guarantor as of the end of such fiscal
month; and

(v)      Other Information. Such other information as MLBFS may from time to
time reasonably request relating to Customer, any Guarantor or the Collateral.

(b) General Agreements With Respect to Financial Information. Customer agrees
that except as otherwise specified herein or otherwise agreed to in writing by
MLBFS: (i) all annual financial statements required to be furnished by Customer
to MLBFS hereunder will be prepared by either the current independent
accountants for Customer or other independent accountants reasonably acceptable
to MLBFS, and (ii) all other financial information required to be furnished by
Customer to MLBFS hereunder will be certified as correct in all material
respects by the party who has prepared such information, and, in the case of
internally prepared information with respect to Customer or any Business
Guarantor, certified as correct by their respective chief financial officer.

                                      -5-
<PAGE>

3.3 OTHER COVENANTS

Customer further covenants and agrees during the term of this Loan Agreement
that:

(a)  Financial Records; Inspection. Customer and each Business Guarantor will:
(i) maintain at its principal place of business complete and accurate books and
records, and maintain all of its financial records in a manner consistent with
the financial statements heretofore furnished to MLBFS, or prepared on such
other basis as may be approved in writing by MLBFS; and (ii) permit MLBFS or its
duly authorized representatives, upon reasonable notice and at reasonable times,
to inspect its properties (both real and personal), operations, books and
records.

(b)  Taxes. Customer and each Guarantor will pay when due all taxes, assessments
and other governmental charges, howsoever designated, and all other liabilities
and obligations, except to the extent that any such failure to pay will not
materially and adversely affect either the liens and security interests of MLBFS
hereunder or under any of the Additional Agreements, the financial condition of
Customer or any Guarantor or the continued operations of Customer or any
Business Guarantor.

(c)  Compliance With Laws and Agreements. Neither Customer nor any Guarantor
will violate any law, regulation or other governmental requirement, any judgment
or order of any court or governmental agency or authority, or any agreement,
instrument or document to which it is a party or by which it is bound, if any
such violation will materially and adversely affect either the liens and
security interests of MLBFS hereunder or under any of the Additional Agreements,
the financial condition of Customer or any Guarantor, or the continued
operations of Customer or any Business Guarantor.

(d)  No Use of Merrill Lynch Name. Neither Customer nor any Guarantor will
directly or indirectly publish, disclose or otherwise use in any advertising or
promotional material, or press release or interview, the name, logo or any
trademark of MLBFS, MLPF&S, Merrill Lynch and Co., Incorporated or any of their
affiliates.

(e)  Notification By Customer. Customer shall provide MLBFS with prompt written
notification of: (i) any Default; (ii) any materially adverse change in the
business, financial condition or operations of Customer or any Business
Guarantor; (iii) any information which indicates that any financial statements
of Customer or any Guarantor fail in any material respect to present fairly the
financial condition and results of operations purported to be presented in such
statements; and (iv) any change in Customer's outside accountants. Each
notification by Customer pursuant hereto shall specify the event or information
causing such notification, and, to the extent applicable, shall specify the
steps being taken to rectify or remedy such event or information.

(f)  Notice of Change. Customer shall give MLBFS not less than 30 days prior
written notice of any change in the name (including any fictitious name) or
principal place of business or residence of Customer or any Guarantor.

(g)  Continuity. Except upon the prior written consent of MLBFS, which consent
will not be unreasonably withheld: (i) neither Customer nor any Business
Guarantor shall be a party to any merger or consolidation with, or purchase or
otherwise acquire all or substantially all of the assets of, or any material
stock, partnership, joint venture or other equity interest in, any person or
entity, or sell, transfer or lease all or any substantial part of its assets, if
any such action would result in either: (A) a material change in the principal
business, ownership or control of Customer or such Business Guarantor, or (B) a
material adverse change in the financial condition or operations of Customer or
such Business Guarantor; (ii) Customer and each Business Guarantor shall
preserve their respective existence and good standing in the jurisdiction(s) of
establishment and operation; (iii) neither Customer nor any Business Guarantor
shall engage in any material business substantially different from their
respective business in effect as of the date of application by Customer for
credit from MLBFS, or cease operating any such material business; (iv) neither
Customer nor any Business Guarantor shall cause or permit any other person or
entity to assume or succeed to any material business or operations of Customer
or such Business Guarantor; and (v) neither Customer nor any Business Guarantor
shall cause or permit any material change in its controlling ownership.

(h)  Minimum Tangible Net Worth. Customer's and Business Guarantors combined
"tangible net worth" as of the period ending December 31, 2000, and thereafter
shall at all times exceed $3,500,000.00. For the purposes hereof, the term
"tangible net worth" shall mean Customer's and Business Guarantors combined net
worth as shown on Customer's regular consolidated financial statements prepared
in a manner consistent with the terms hereof, but excluding an amount equal to
(i) any assets which are ordinarily classified as "intangible" in accordance
with generally accepted accounting principles, and (ii) any amounts now or
hereafter directly or indirectly owing to Customer by officers, shareholders or
affiliates of Customer.

(i)  Minimum Net Cash Flow. The combined "Net Cash Flow" of Customer and
Business Guarantors as of the end of each of its fiscal years shall not be less
than $700,000.00. As used herein, "Net Cash Flow" shall mean the (i) the sum of
Customer's and Business Guarantors annual net after-tax income, any non-
recurring expenses, and depreciation and similar non-cash charges, less (ii) the
sum of the current portion of Customer's long term debt, any non-recurring
income, and any dividends or other distributions to its owners; all as set forth
on Customer's regular consolidated annual financial statements prepared in a
manner consistent with the terms hereof.

3.4 COLLATERAL

(a)  Pledge of Collateral. To secure payment and performance of the Obligations,
Customer hereby pledges, assigns, transfers and sets over to MLBFS, and grants
to MLBFS first liens and security interests in and upon all of the Collateral,
subject only to Permitted Liens.

(b)  Liens. Except upon the prior written consent of MLBFS, Customer shall not
create or permit to exist any lien, encumbrance or security interest upon or
with respect to any Collateral now owned or hereafter acquired other than
Permitted Liens.

(c)  Performance of Obligations. Customer shall perform all of its obligations
owing on account of or with respect to the Collateral; it being understood that
nothing herein, and no action or inaction by MLBFS, under this Loan Agreement or
otherwise, shall be deemed an assumption by MLBFS of any of Customer's said
obligations.

                                      -6-
<PAGE>

(d) Sales and Collections. So long as no Event of Default shall have occurred
and be continuing, Customer may in the ordinary course of its business: (i) sell
any Inventory normally held by Customer for sale, (ii) use or consume any
materials and supplies normally held by Customer for use or consumption, and
(iii) collect all of its Accounts. Customer shall take such action with respect
to protection of its Inventory and the other Collateral and the collection of
its Accounts as MLBFS may from time to time reasonably request.

(e) Account Schedules. Upon the request of MLBFS, made now or at any reasonable
time or times hereafter, Customer shall deliver to MLBFS, in addition to the
other information required hereunder, a schedule identifying, for each Account
and all Chattel Paper subject to MLBFS' security interests hereunder, each
Account Debtor by name and address and amount, invoice or contract number and
date of each invoice or contract. Customer shall furnish to MLBFS such
additional information with respect to the Collateral, and amounts received by
Customer as proceeds of any of the Collateral, as MLBFS may from time to time
reasonably request.

(f) Alterations and Maintenance. Except upon the prior written consent of MLBFS,
Customer shall not make or permit any material alterations to any tangible
Collateral which might materially reduce or impair its market value or utility.
Customer shall at all times keep the tangible Collateral in good condition and
repair, reasonable wear and tear excepted, and shall pay or cause to be paid all
obligations arising from the repair and maintenance of such Collateral, as well
as all obligations with respect to any Location of Tangible Collateral, except
for any such obligations being contested by Customer in good faith by
appropriate proceedings.

(g) Location. Except for movements required in the ordinary course of Customer's
business, Customer shall give MLBFS 30 days' prior written notice of the placing
at or movement of any tangible Collateral to any location other than a Location
of Tangible Collateral. In no event shall Customer cause or permit any material
tangible Collateral to be removed from the United States without the express
prior written consent of MLBFS.

(h) Insurance. Customer shall insure all of the tangible Collateral under a
policy or policies of physical damage insurance providing that losses will be
payable to MLBFS as its interests may appear pursuant to a Lender's Loss Payable
Endorsement and containing such other provisions as may be reasonably required
by MLBFS. Customer shall further provide and maintain a policy or policies of
comprehensive public liability insurance naming MLBFS as an additional party
insured. Customer and each Business Guarantor shall maintain such other
insurance as may be required by law or is customarily maintained by companies in
a similar business or otherwise reasonably required by MLBFS. All such insurance
policies shall provide that MLBFS will receive not less than 10 days prior
written notice of any cancellation, and shall otherwise be in form and amount
and with an insurer or insurers reasonably acceptable to MLBFS. Customer shall
furnish MLBFS with a copy or certificate of each such policy or policies and,
prior to any expiration or cancellation, each renewal or replacement thereof.

(i) Event of Loss. Customer shall at its expense promptly repair all repairable
damage to any tangible Collateral. In the event that any tangible Collateral is
damaged beyond repair, lost, totally destroyed or confiscated (an "Event of
Loss") and such Collateral had a value prior to such Event of Loss of $25,000.00
or more, then, on or before the first to occur of (i) 90 days after the
occurrence of such Event of Loss, or (ii) 10 Business Days after the date on
which either Customer or MLBFS shall receive any proceeds of insurance on
account of such Event of Loss, or any underwriter of insurance on such
Collateral shall advise either Customer or MLBFS that it disclaims liability in
respect of such Event of Loss, Customer shall, at Customer's option, either
replace the Collateral subject to such Event of Loss with comparable Collateral
free of all liens other than Permitted Liens (in which event Customer shall be
entitled to utilize the proceeds of insurance on account of such Event of Loss
for such purpose, and may retain any excess proceeds of such insurance), or
deposit into the WCMA Account an amount equal to the actual cash value of such
Collateral as determined by either the insurance company's payment (plus any
applicable deductible) or, in absence of insurance company payment, as
reasonably determined by MLBFS; it being further understood that any such
deposit shall be accompanied by a like permanent reduction in the Maximum WCMA
Line of Credit. Notwithstanding the foregoing, if at the time of occurrence of
such Event of Loss or any time thereafter prior to replacement or line
reduction, as aforesaid, an Event of Default shall have occurred and be
continuing hereunder, then MLBFS may at its sole option, exercisable at any time
while such Event of Default shall be continuing, require Customer to either
replace such Collateral or make a deposit into the WCMA Account and reduce the
Maximum WCMA Line of Credit, as aforesaid.

(j) Notice of Certain Events. Customer shall give MLBFS immediate notice of any
attachment, lien, judicial process, encumbrance or claim affecting or involving
$25,000.00 or more of the Collateral.

(k) Indemnification. Customer shall indemnify, defend and save MLBFS harmless
from and against any and all claims, liabilities, losses, costs and expenses
(including, without limitation, reasonable attorneys' fees and expenses) of any
nature whatsoever which may be asserted against or incurred by MLBFS arising out
of or in any manner occasioned by (i) the ownership, collection, possession, use
or operation of any Collateral, or (ii) any failure by Customer to perform any
of its obligations hereunder; excluding, however, from said indemnity any such
claims, liabilities, etc. arising directly out of the willful wrongful act or
active gross negligence of MLBFS. This indemnity shall survive the expiration or
termination of this Loan Agreement as to all matters arising or accruing prior
to such expiration or termination.

3.5 EVENTS OF DEFAULT

The occurrence of any of the following events shall constitute an "Event of
Default" under this Loan Agreement:

(a) Exceeding the Maximum WCMA Line of Credit. If the WCMA Loan Balance shall at
any time exceed the Maximum WCMA Line of Credit and Customer shall fail to
deposit sufficient funds into the WCMA Account to reduce the WCMA Loan Balance
below the Maximum WCMA Line of Credit within five (5) Business Days after
written notice thereof shall have been given by MLBFS to Customer.

(b) Other Failure to Pay. Customer shall fail to pay to MLBFS or deposit into
the WCMA Account when due any other amount owing or required to be paid or
deposited by Customer under this Loan Agreement, or shall fail to pay when due
any other Obligations, and any such failure shall continue for more than five
(5) Business Days after written notice thereof shall have been given by MLBFS to
Customer.

                                      -7-
<PAGE>

(c) Failure to Perform. Customer or any Guarantor shall default in the
performance or observance of any covenant or agreement on its part to be
performed or observed under this Loan Agreement or any of the Additional
Agreements (not constituting an Event of Default under any other clause of this
Section), and such default shall continue unremedied for ten (10) Business Days
after written notice thereof shall have been given by MLBFS to Customer.

(d) Breach of Warranty. Any representation or warranty made by Customer or any
Guarantor contained in this Loan Agreement or any of the Additional Agreements
shall at any time prove to have been incorrect in any material respect when
made.

(e) Default Under Other Agreement. A default or Event of Default by Customer or
any Guarantor shall occur under the terms of any other agreement, instrument or
document with or intended for the benefit of MLBFS, MLPF&S or any of their
affiliates, and any required notice shall have been given and required passage
of time shall have elapsed.

(f) Bankruptcy Event. Any Bankruptcy Event shall occur.

(g) Material Impairment. Any event shall occur which shall reasonably cause
MLBFS to in good faith believe that the prospect of full payment or performance
by Customer or any Guarantor of any of their respective liabilities or
obligations under this Loan Agreement or any of the Additional Agreements to
which Customer or such Guarantor is a party has been materially impaired. The
existence of such a material impairment shall be determined in a manner
consistent with the intent of Section 1-208 of the UCC.

(h) Acceleration of Debt to Other Creditors. Any event shall occur which results
in the acceleration of the maturity of any indebtedness of $100,000.00 or more
of Customer or any Guarantor to another creditor under any indenture, agreement,
undertaking, or otherwise.

(i) Seizure or Abuse of Collateral. The Collateral, or any material part
thereof, shall be or become subject to any material abuse or misuse, or any
levy, attachment, seizure or confiscation which is not released within ten (10)
Business Days.

3.6 REMEDIES

(a) Remedies Upon Default. Upon the occurrence and during the continuance of any
Event of Default, MLBFS may at its sole option do any one or more or all of the
following, at such time and in such order as MLBFS may in its sole discretion
choose:

(i) Termination. MLBFS may without notice terminate the WCMA Line of Credit and
all obligations to provide the WCMA Line of Credit or otherwise extend any
credit to or for the benefit of Customer (it being understood, however, that
upon the occurrence of any Bankruptcy Event the WCMA Line of Credit and all such
obligations shall automatically terminate without any action on the part of
MLBFS); and upon any such termination MLBFS shall be relieved of all such
obligations.

(ii) Acceleration. MLBFS may declare the principal of and interest on the WCMA
Loan Balance, and all other Obligations to be forthwith due and payable,
whereupon all such amounts shall be immediately due and payable, without
presentment, demand for payment, protest and notice of protest, notice of
dishonor, notice of acceleration, notice of intent to accelerate or other notice
or formality of any kind, all of which are hereby expressly waived; provided,
however, that upon the occurrence of any Bankruptcy Event all such principal,
interest and other Obligations shall automatically become due and payable
without any action on the part of MLBFS.

(iii) Exercise Other Rights. MLBFS may exercise any or all of the remedies of a
secured party under applicable law, including, but not limited to, the UCC, and
any or all of its other rights and remedies under this Loan Agreement and the
Additional Agreements.

(iv) Possession. MLBFS may require Customer to make the Collateral and the
records pertaining to the Collateral available to MLBFS at a place designated by
MLBFS which is reasonably convenient to Customer, or may take possession of the
Collateral and the records pertaining to the Collateral without the use of any
judicial process and without any prior notice to Customer.

(v) Sale. MLBFS may sell any or all of the Collateral at public or private sale
upon such terms and conditions as MLBFS may reasonably deem proper. MLBFS may
purchase any Collateral at any such public sale. The net proceeds of any such
public or private sale and all other amounts actually collected or received by
MLBFS pursuant hereto, after deducting all costs and expenses incurred at any
time in the collection of the Obligations and in the protection, collection and
sale of the Collateral, will be applied to the payment of the Obligations, with
any remaining proceeds paid to Customer or whoever else may be entitled thereto,
and with Customer and each Guarantor remaining jointly and severally liable for
any amount remaining unpaid after such application.

(vi) Delivery of Cash, Checks, Etc. MLBFS may require Customer to forthwith upon
receipt, transmit and deliver to MLBFS in the form received, all cash, checks,
drafts and other instruments for the payment of money (properly endorsed, where
required, so that such items may be collected by MLBFS) which may be received by
Customer at any time in full or partial payment of any Collateral, and require
that Customer not commingle any such items which may be so received by Customer
with any other of its funds or property but instead hold them separate and apart
and in trust for MLBFS until delivery is made to MLBFS.

(vii) Notification of Account Debtors. MLBFS may notify any Account Debtor that
its Account or Chattel Paper has been assigned to MLBFS and direct such Account
Debtor to make payment directly to MLBFS of all amounts due or becoming due with
respect to such Account or Chattel Paper; and MLBFS may enforce payment and
collect, by legal proceedings or otherwise, such Account or Chattel Paper.

                                      -8-
<PAGE>

(viii) Control of Collateral. MLBFS may otherwise take control in any lawful
manner of any cash or non-cash items of payment or proceeds of Collateral and of
any rejected, returned, stopped in transit or repossessed goods included in the
Collateral and endorse Customer's name on any item of payment on or proceeds of
the Collateral.

(b) Set-Off. MLBFS shall have the further right upon the occurrence and during
the continuance of an Event of Default to set-off, appropriate and apply toward
payment of any of the Obligations, in such order of application as MLBFS may
from time to time and at any time elect, any cash, credit, deposits, accounts,
financial assets, investment property, securities and any other property of
Customer which is in transit to or in the possession, custody or control of
MLBFS, MLPF&S or any agent, bailee, or affiliate of MLBFS or MLPF&S. Customer
hereby collaterally assigns and grants to MLBFS a continuing security interest
in all such property as additional Collateral.

(c) Power of Attorney. Effective upon the occurrence and during the continuance
of an Event of Default, Customer hereby irrevocably appoints MLBFS as its
attorney-in-fact, with full power of substitution, in its place and stead and in
its name or in the name of MLBFS, to from time to time in MLBFS' sole discretion
take any action and to execute any instrument which MLBFS may deem necessary or
advisable to accomplish the purposes of this Loan Agreement, including, but not
limited to, to receive, endorse and collect all checks, drafts and other
instruments for the payment of money made payable to Customer included in the
Collateral.

(d) Remedies are Severable and Cumulative. All rights and remedies of MLBFS
herein are severable and cumulative and in addition to all other rights and
remedies available in the Additional Agreements, at law or in equity, and any
one or more of such rights and remedies may be exercised simultaneously or
successively.

(e) Notices. To the fullest extent permitted by applicable law, Customer hereby
irrevocably waives and releases MLBFS of and from any and all liabilities and
penalties for failure of MLBFS to comply with any statutory or other requirement
imposed upon MLBFS relating to notices of sale, holding of sale or reporting of
any sale, and Customer waives all rights of redemption or reinstatement from any
such sale. Any notices required under applicable law shall be reasonably and
properly given to Customer if given by any of the methods provided herein at
least 5 Business Days prior to taking action. MLBFS shall have the right to
postpone or adjourn any sale or other disposition of Collateral at any time
without giving notice of any such postponed or adjourned date. In the event
MLBFS seeks to take possession of any or all of the Collateral by court process,
Customer further irrevocably waives to the fullest extent permitted by law any
bonds and any surety or security relating thereto required by any statute, court
rule or otherwise as an incident to such possession, and any demand for
possession prior to the commencement of any suit or action.

3.7 MISCELLANEOUS

(a) Non-Waiver. No failure or delay on the part of MLBFS in exercising any
right, power or remedy pursuant to this Loan Agreement or any of the Additional
Agreements shall operate as a waiver thereof, and no single or partial exercise
of any such right, power or remedy shall preclude any other or further exercise
thereof, or the exercise of any other right, power or remedy. Neither any waiver
of any provision of this Loan Agreement or any of the Additional Agreements, nor
any consent to any departure by Customer therefrom, shall be effective unless
the same shall be in writing and signed by MLBFS. Any waiver of any provision of
this Loan Agreement or any of the Additional Agreements and any consent to any
departure by Customer from the terms of this Loan Agreement or any of the
Additional Agreements shall be effective only in the specific instance and for
the specific purpose for which given. Except as otherwise expressly provided
herein, no notice to or demand on Customer shall in any case entitle Customer to
any other or further notice or demand in similar or other circumstances.

(b) Disclosure. Customer hereby irrevocably authorizes MLBFS and each of its
affiliates, including without limitation MLPF&S, to at any time (whether or not
an Event of Default shall have occurred) obtain from and disclose to each other
any and all financial and other information about Customer. In connection with
said authorization, the parties recognize that in order to provide a WCMA Line
of Credit certain information about Customer is required to be made available on
a computer network accessible by certain affiliates of MLBFS, including MLPF&S.

(c) Communications. All notices and other communications required or permitted
hereunder shall be in writing, and shall be either delivered personally, mailed
by postage prepaid certified mail or sent by express overnight courier or by
facsimile. Such notices and communications shall be deemed to be given on the
date of personal delivery, facsimile transmission or actual delivery of
certified mail, or one Business Day after delivery to an express overnight
courier. Unless otherwise specified in a notice sent or delivered in accordance
with the terms hereof, notices and other communications in writing shall be
given to the parties hereto at their respective addresses set forth at the
beginning of this Loan Agreement, or, in the case of facsimile transmission, to
the parties at their respective regular facsimile telephone number.

(d) Fees, Expenses and Taxes. Customer shall pay or reimburse MLBFS for: (i) all
Uniform Commercial Code filing and search fees and expenses incurred by MLBFS in
connection with the verification, perfection or preservation of MLBFS' rights
hereunder or in the Collateral or any other collateral for the Obligations; (ii)
any and all stamp, transfer and other taxes and fees payable or determined to be
payable in connection with the execution, delivery and/or recording of this Loan
Agreement or any of the Additional Agreements; and (iii) all reasonable fees and
out-of-pocket expenses (including, but not limited to, reasonable fees and
expenses of outside counsel) incurred by MLBFS in connection with the collection
of any sum payable hereunder or under any of the Additional Agreements not paid
when due, the enforcement of this Loan Agreement or any of the Additional
Agreements and the protection of MLBFS' rights hereunder or thereunder,
excluding, however, salaries and normal overhead attributable to MLBFS'
employees. Customer hereby authorizes MLBFS, at its option, to either cause any
and all such fees, expenses and taxes to be paid with a WCMA Loan, or invoice
Customer therefor (in which event Customer shall pay all such fees, expenses and
taxes within 5 Business Days after receipt of such invoice). The obligations of
Customer under this paragraph shall survive the expiration or termination of
this Loan Agreement and the discharge of the other Obligations.

(e) Right to Perform Obligations. If Customer shall fail to do any act or thing
which it has covenanted to do under this Loan Agreement or any representation or
warranty on the part of Customer contained in this Loan Agreement shall be
breached, MLBFS may, in its sole discretion, after 5 Business

                                      -9-
<PAGE>

Days written notice is sent to Customer (or such lesser notice, including no
notice, as is reasonable under the circumstances), do the same or cause it to be
done or remedy any such breach, and may expend its funds for such purpose. Any
and all reasonable amounts so expended by MLBFS shall be repayable to MLBFS by
Customer upon demand, with interest at the Interest Rate during the period from
and including the date funds are so expended by MLBFS to the date of repayment,
and all such amounts shall be additional Obligations. The payment or performance
by MLBFS of any of Customer's obligations hereunder shall not relieve Customer
of said obligations or of the consequences of having failed to pay or perform
the same, and shall not waive or be deemed a cure of any Default.

(f) Further Assurances. Customer agrees to do such further acts and things and
to execute and deliver to MLBFS such additional agreements, instruments and
documents as MLBFS may reasonably require or deem advisable to effectuate the
purposes of this Loan Agreement or any of the Additional Agreements, or to
establish, perfect and maintain MLBFS' security interests and liens upon the
Collateral, including, but not limited to: (i) executing financing statements or
amendments thereto when and as reasonably requested by MLBFS; and (ii) if in the
reasonable judgment of MLBFS it is required by local law, causing the owners
and/or mortgagees of the real property on which any Collateral may be located to
execute and deliver to MLBFS waivers or subordinations reasonably satisfactory
to MLBFS with respect to any rights in such Collateral.

(g) Binding Effect. This Loan Agreement and the Additional Agreements shall be
binding upon, and shall inure to the benefit of MLBFS, Customer and their
respective successors and assigns. Customer shall not assign any of its rights
or delegate any of its obligations under this Loan Agreement or any of the
Additional Agreements without the prior written consent of MLBFS. Unless
otherwise expressly agreed to in a writing signed by MLBFS, no such consent
shall in any event relieve Customer of any of its obligations under this Loan
Agreement or the Additional Agreements.

(h) Headings. Captions and section and paragraph headings in this Loan Agreement
are inserted only as a matter of convenience, and shall not affect the
interpretation hereof.

(i)  Governing Law. This Loan Agreement, and, unless otherwise expressly
provided therein, each of the Additional Agreements, shall be governed in all
respects by the laws of the State of Illinois.

(j) Severability of Provisions. Whenever possible, each provision of this Loan
Agreement and the Additional Agreements shall be interpreted in such manner as
to be effective and valid under applicable law. Any provision of this Loan
Agreement or any of the Additional Agreements which is prohibited or
unenforceable in any jurisdiction shall, as to such jurisdiction, be ineffective
only to the extent of such prohibition or unenforceability without invalidating
the remaining provisions of this Loan Agreement and the Additional Agreements or
affecting the validity or enforceability of such provision in any other
jurisdiction.

(k) Term. This Loan Agreement shall become effective on the date accepted by
MLBFS at its office in Chicago, Illinois, and, subject to the terms hereof,
shall continue in effect so long thereafter as the WCMA Line of Credit shall be
in effect or there shall be any Obligations outstanding.

(l) Counterparts. This Loan Agreement may be executed in one or more
counterparts which, when taken together, constitute one and the same agreement.

(m) Jurisdiction; Waiver. CUSTOMER ACKNOWLEDGES THAT THIS LOAN AGREEMENT IS
BEING ACCEPTED BY MLBFS IN PARTIAL CONSIDERATION OF MLBFS' RIGHT AND OPTION, IN
ITS SOLE DISCRETION, TO ENFORCE THIS LOAN AGREEMENT (INCLUDING THE WCMA NOTE SET
FORTH HEREIN) AND THE ADDITIONAL AGREEMENTS IN EITHER THE STATE OF ILLINOIS OR
IN ANY OTHER JURISDICTION WHERE CUSTOMER OR ANY COLLATERAL FOR THE OBLIGATIONS
MAY BE LOCATED. CUSTOMER IRREVOCABLY SUBMITS ITSELF TO JURISDICTION IN THE STATE
OF ILLINOIS AND VENUE IN ANY STATE OR FEDERAL COURT IN THE COUNTY OF COOK FOR
SUCH PURPOSES, AND CUSTOMER WAIVES ANY AND ALL RIGHTS TO CONTEST SAID
JURISDICTION AND VENUE AND THE CONVENIENCE OF ANY SUCH FORUM, AND ANY AND ALL
RIGHTS TO REMOVE SUCH ACTION FROM STATE TO FEDERAL COURT. CUSTOMER FURTHER
WAIVES ANY RIGHTS TO COMMENCE ANY ACTION AGAINST MLBFS IN ANY JURISDICTION
EXCEPT IN THE COUNTY OF COOK AND STATE OF ILLINOIS. MLBFS AND CUSTOMER HEREBY
EACH EXPRESSLY WAIVE ANY AND ALL RIGHTS TO A TRIAL BY JURY IN ANY ACTION,
PROCEEDING OR COUNTERCLAIM BROUGHT BY EITHER OF THE PARTIES AGAINST THE OTHER
PARTY WITH RESPECT TO ANY MATTER RELATING TO, ARISING OUT OF OR IN ANY WAY
CONNECTED WITH THE WCMA LINE OF CREDIT, THIS LOAN AGREEMENT, ANY ADDITIONAL
AGREEMENTS AND/OR ANY OF THE TRANSACTIONS WHICH ARE THE SUBJECT MATTER OF THIS
LOAN AGREEMENT. CUSTOMER FURTHER WAIVES THE RIGHT TO BRING ANY NON-COMPULSORY
COUNTERCLAIMS.

(n) Integration. THIS LOAN AGREEMENT, TOGETHER WITH THE ADDITIONAL AGREEMENTS,
CONSTITUTES THE ENTIRE UNDERSTANDING AND REPRESENTS THE FULL AND FINAL AGREEMENT
BETWEEN THE PARTIES WITH RESPECT TO THE SUBJECT MATTER HEREOF, AND MAY NOT BE
CONTRADICTED BY EVIDENCE OF PRIOR WRITTEN AGREEMENTS OR PRIOR, CONTEMPORANEOUS
OR SUBSEQUENT ORAL AGREEMENTS OF THE PARTIES. THERE ARE NO UNWRITTEN ORAL
AGREEMENTS OF THE PARTIES. WITHOUT LIMITING THE FOREGOING, CUSTOMER ACKNOWLEDGES
THAT EXCEPT AS OTHERWISE EXPRESSLY PROVIDED HEREIN: (I) NO PROMISE OR COMMITMENT
HAS BEEN MADE TO IT BY MLBFS, MLPF&S OR ANY OF THEIR RESPECTIVE EMPLOYEES,
AGENTS OR REPRESENTATIVES TO EXTEND THE AVAILABILITY OF THE WCMA LINE OF CREDIT
OR THE MATURITY DATE, OR TO INCREASE THE MAXIMUM WCMA LINE OF CREDIT, OR
OTHERWISE EXTEND ANY OTHER CREDIT TO CUSTOMER OR ANY OTHER PARTY; (II) NO
PURPORTED EXTENSION OF THE MATURITY DATE, INCREASE IN THE MAXIMUM WCMA LINE OF
CREDIT OR OTHER EXTENSION OR AGREEMENT TO EXTEND CREDIT SHALL BE VALID OR
BINDING UNLESS EXPRESSLY SET FORTH IN A WRITTEN INSTRUMENT SIGNED BY MLBFS; AND
(III) THIS LOAN AGREEMENT SUPERSEDES AND REPLACES ANY AND ALL PROPOSALS, LETTERS
OF INTENT AND APPROVAL AND COMMITMENT LETTERS FROM MLBFS TO CUSTOMER, NONE OF
WHICH SHALL BE CONSIDERED AN ADDITIONAL AGREEMENT. NO AMENDMENT OR MODIFICATION
OF THIS AGREEMENT OR ANY OF THE ADDITIONAL AGREEMENTS TO WHICH CUSTOMER IS A
PARTY SHALL BE EFFECTIVE UNLESS IN A WRITING SIGNED BY BOTH MLBFS AND CUSTOMER.

                                      -10-
<PAGE>

IN WITNESS WHEREOF, this Loan Agreement has been executed as of the day and year
first above written.

DREAMS PRODUCTS, INC. D/B/A MOUNTED MEMORIES

By: _________________________________________________________________________
                  Signature (1)                      Signature (2)

-----------------------------------------------------------------------------
                  Printed Name                       Printed Name

-----------------------------------------------------------------------------
                  Title                              Title

STATE OF _______________            }
                                    } SS.
COUNTY OF___________________________}

The foregoing instrument was acknowledged before me this day of ____________ AD,
2000 by __________________________________________ of DREAMS PRODUCTS, INC.
D/B/A MOUNTED MEMORIES, a Utah corporation, on behalf of the corporation. Said
person is personally known to me or has produced ______________________ as
identification.

_______________________________________
         NOTARY PUBLIC

_______________________________________
         PRINTED NAME OF NOTARY PUBLIC

My Commission Expires:

------------------------------
         [S E A L]

Accepted at Chicago, Illinois:
MERRILL LYNCH BUSINESS FINANCIAL
SERVICES INC.

By:___________________________________________________________

                                     -11-
<PAGE>

                                    EXHIBIT A
ATTACHED TO AND HEREBY MADE A PART OF WCMA LOAN AND SECURITY AGREEMENT NO. 760-
07H76 BETWEEN MERRILL LYNCH BUSINESS FINANCIAL SERVICES INC. AND DREAMS
PRODUCTS, INC. D/B/A MOUNTED MEMORIES
================================================================================

Additional Locations of Tangible Collateral:

         8201 E. Pacific Place Suite 604
         Denver, Colorado

                                      -12-

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