Document:

Exhibit 10.9

This Instrument Prepared By
and Return To:

MARK K. SOMERSTEIN, ESQ.
Ruden, McClosky, Smith,
Schuster & Russell, P.A.
P.O. Box 1900
Fort Lauderdale, Florida 33302

                        MORTGAGE MODIFICATION AGREEMENT/1

         THIS MORTGAGE MODIFICATION AGREEMENT ("Agreement") is made by and
between PETMEDEXPRESS.COM, INC., a Florida corporation ("Borrower"), MARC A.
PULEO (the "Guarantor") (the Borrower and the Guarantor are collectively, the
"Obligors"), and SOUTHTRUST BANK, NATIONAL ASSOCIATION, its nominees and/or
assigns ("Lender" or "Bank") effective September 17, 1999.

                                R E C I T A L S:

         A. The Borrower is indebted to the Lender pursuant to that certain
Promissory Note ("Promissory Note") dated April 29, 1999, executed by Borrower
in the original principal amount of ONE MILLION SIX HUNDRED EIGHTY THOUSAND
DOLLARS ($1,680,000) (the "Indebtedness").

         B. The Indebtedness is secured by, inter alia: (i) Florida Real Estate
Mortgage, Assignment of Leases and Rents and Security Agreement dated April 29,
1999, recorded in Official Records Book 29421, Page 1377, of the Public Records
of Broward County, Florida (the "Mortgage"); and (ii) UCC-1 recorded in Official
Records Book 29421, Page 1407, of the Public Records of Broward County, Florida
("UCC").

         C. The Guarantor guaranteed the Indebtedness pursuant to, inter alia,
the Continuing and Unconditional Guaranty dated April 29, 1999 (the "Guaranty").

--------
1/DOCUMENTARY STAMPS AND INTANGIBLE TAX IN THE AMOUNT REQUIRED BY LAW WITH
REGARD TO THE ORIGINAL INDEBTEDNESS WERE AFFIXED TO THE REAL ESTATE MORTGAGE,
ASSIGNMENT AND SECURITY AGREEMENT RECORDED IN OFFICIAL RECORDS BOOK 29421, PAGE
1377, PUBLIC RECORDS OF BROWARD COUNTY, FLORIDA ("ORIGINAL MORTGAGE"). THIS
DOCUMENT PROVIDES FOR A FUTURE ADVANCE TO BE SECURED BY THE MORTGAGE.
DOCUMENTARY STAMPS AND INTANGIBLE TAX ARE NOW DUE ON $5,500.00 AND ARE AFFIXED
HERETO.

                                       1
<PAGE>

         D. The Indebtedness, Mortgage, UCC, the Guaranty, and any other
documents executed in connection with the foregoing are hereinafter collectively
referred to as the "Loan Documents".

         E. The Obligors have requested and the Lender has agreed to modify the
terms of the Loan Documents as more particularly set forth herein.

         NOW, THEREFORE, in consideration of the foregoing, and for TEN DOLLARS
($10) and other good and valuable considerations, the parties agree as follows:

         1. The foregoing recitations are true and correct and are incorporated
herein by reference.

         2. The provisions of this Agreement shall control in the event of any
conflict with the provisions of the Loan Documents, the unaffected provisions of
which are specifically reaffirmed and incorporated herein by reference.

         3. The Indebtedness is restated and modified to include not only the
Promissory Note but also the additional amount of One Million Dollars
($1,000,000) evidenced by that certain Promissory Note dated even date herewith
in the original principal amount of One Million Dollars ($1,000,000) executed by
the Borrower in favor of the Bank ("Line of Credit Note"). The maturity date of
the Line of Credit Note is one (1) year following the date hereof.

         4. The Mortgage, as amended by this Agreement, shall continue to secure
the Promissory Note and in addition shall secure the Line of Credit Note as if
the Line of Credit Note was originally secured by the Mortgage.

         5. The Obligors acknowledge and agree that the Lender shall not be
obligated to further modify the Indebtedness or the Mortgage. In conjunction
with the foregoing, Lender shall not be obligated to make any additional
advances under the Loan Documents.

         6. AS A MATERIAL INDUCEMENT FOR LENDER TO EXECUTE THIS AGREEMENT, THE
OBLIGORS DO HEREBY RELEASE, WAIVE, DISCHARGE, COVENANT NOT TO SUE, ACQUIT,
SATISFY AND FOREVER DISCHARGE LENDER, ITS OFFICERS AND DIRECTORS, EMPLOYEES AND
AGENTS AND ITS AFFILIATES, AND ASSIGNS FROM ANY AND ALL LIABILITY, CLAIMS,
COUNTERCLAIMS, DEFENSES, ACTIONS, CAUSES OF ACTION, SUITS, CONTROVERSIES,
AGREEMENTS, PROMISES AND DEMANDS WHATSOEVER IN LAW OR IN EQUITY WHICH THE
OBLIGORS EVER HAD, OR HAVE, OR WHICH ANY PERSONAL REPRESENTATIVE, SUCCESSOR,
HEIR OR ASSIGN OF OBLIGORS HEREAFTER CAN, SHALL OR MAY HAVE AGAINST THE LENDER,
ITS OFFICERS, DIRECTORS, EMPLOYEES AND AGENTS, AND ITS AFFILIATES AND ASSIGNS,
FOR, UPON OR BY REASON OF ANY MATTER, CAUSE OR THING

                                       2
<PAGE>

WHATSOEVER RELATED TO THE LOAN DOCUMENTS THROUGH THE DATE THIS AGREEMENT HAS
BEEN EXECUTED. OBLIGORS FURTHER EXPRESSLY AGREE THAT THE FOREGOING RELEASE AND
WAIVER AGREEMENT IS INTENDED TO BE AS BROAD AND INCLUSIVE AS PERMITTED BY THE
LAWS OF THE STATE OF FLORIDA. IN ADDITION TO, AND WITHOUT LIMITING THE
GENERALITY OF THE FOREGOING, AND IN CONSIDERATION OF THE LENDER'S EXECUTION OF
THIS AGREEMENT, OBLIGORS COVENANT WITH AND WARRANT UNTO LENDER, AND ITS
AFFILIATES AND ASSIGNS, THAT THERE EXISTS NO CLAIMS, COUNTERCLAIMS, DEFENSES,
OBJECTIONS, OFFSETS OR CLAIMS OF OFFSETS AGAINST LENDER RELATED TO THE LOAN
DOCUMENTS OR THE OBLIGATION OF OBLIGORS TO PAY THE INDEBTEDNESS TO LENDER WHEN
AND AS THE SAME BECOMES DUE AND PAYABLE.

         7. The Obligors hereby agree that, in consideration of the recitals and
mutual covenants contained herein, and for other good and valuable
consideration, including the forbearance of Lender from exercising its rights
and remedies otherwise available to it, as hereby amended, the receipt and
sufficiency of which are hereby acknowledged, in the event the Obligors (or any
of them) shall: (i) file with any bankruptcy court of competent jurisdiction or
be the subject of any petition (which is not dismissed within ninety [90] days
from the filing) under Title 11 of the U.S.C. Code, as amended; (ii) be the
subject of any order for relief issued under such Title 11 of the U.S.C. Code,
as amended (which is not dismissed within ninety [90] days from the filing);
(iii) file or be the subject of any petition seeking any reorganization,
arrangement, composition, readjustment, liquidation, dissolution, or similar
relief under any present or future federal or state act or law relating to
bankruptcy, insolvency or other relief for debtors (which is not dismissed
within ninety [90] days from the filing); (iv) have sought or consented to or
acquiesced in the appointment of any trustee, receiver, conservator or
liquidator; (v) be the subject of any order, judgment or decree entered by any
court of competent jurisdiction approving a petition filed against such party
for any reorganization, arrangement, composition, readjustment, liquidation,
dissolution or similar relief under any present or future federal or state act
or law relating to bankruptcy, insolvency or relief for debtors (which is not
dismissed within ninety [90] days from the filing); and/or (vi) be the subject
of any action (which is not dismissed within ninety [90] days from the filing)
to set aside or otherwise prevent the provisions of this Agreement
(subparagraphs [i] - [vi] above are hereinafter collectively defined as
"Bankruptcy Proceedings"), Lender shall thereupon be entitled to relief from any
automatic stay imposed by Section 362 of Title 11 of the U.S.C. Code, as
amended, or otherwise, on or against the exercise of the rights and remedies
otherwise available to Lender as provided in the Loan Documents and as otherwise
provided by law.

         8. Obligors agree to pay to Lender any and all documentary stamps
and/or intangible taxes and all interest and penalties associated therewith
which may be assessed on account of the execution and/or recording of this
Agreement. Obligors shall pay such sums immediately upon receipt of notice of
such amounts from Lender or its assigns. In the event Obligors fail to pay such
sums, Lender or its assigns may, at its option, pay such taxes and/or
documentary stamps. Any such payment by Lender or its assigns shall be added to
the Indebtedness and shall bear interest from the

                                       3
<PAGE>

date advanced to the date of recovery at the maximum rate permissible under
Florida law. If Obligors fail to pay any and all documentary stamps and/or
intangible taxes and any interest or penalties associated therewith which may be
assessed on account of the execution and/or recording of this Agreement, it
shall be deemed to be a default under the terms hereof and shall immediately
accelerate the principal balance due hereunder, together with accrued interest.

         The Obligors shall have the right to contest the foregoing charges;
provided such does not adversely affect the Lender or the Loan Documents.

         9. The Guarantor hereby confirms that the Guaranty remains in full
force and effect and shall, inter alia, guarantee the repayment of the
Promissory Note and Line of Credit Note.

         10. This Agreement shall not be construed more strictly against either
party by virtue of the preparation hereof.

         11. Except as herein specifically provided, all of the terms,
provisions and representations of the Loan Documents are hereby specifically
reaffirmed by the Obligors and are incorporated herein by this reference. THE
OBLIGORS (AND EACH OF THEM) HEREBY AGREE AND CONFIRM THAT, AS OF THE DATE
HEREOF, THE LOAN DOCUMENTS ARE IN FULL FORCE AND EFFECT. THIS AGREEMENT
SUPERSEDES ALL PRIOR NEGOTIATIONS AND/OR CORRESPONDENCE RELATING TO THE LOAN
DOCUMENTS.

         12. Time is of the essence under the Loan Documents and this Agreement.

         13. The Obligors warrant and represent that all of the parties
executing this Agreement on behalf of the Obligors are duly authorized to
execute this Agreement and that this Agreement is valid and binding upon the
Obligors in accordance with its terms.

         14. This Agreement may be executed in one or more counterparts, each of
which shall be an original, but all of which shall constitute one (1) and the
same agreement. This Agreement may be executed and delivered via telecopy.

         15. This Agreement is not intended to be a novation, but merely to
evidence a modification, and it is not the intention of the parties to create a
novation of the Loan Documents.

         16. This Agreement shall not be binding upon the Lender nor shall this
Agreement constitute an offer by the Lender until such time as this Agreement is
fully executed.

         17. A default or breach of a representation or warranty by the
Obligors, or any of them, under this Agreement shall constitute a default under
the Loan Documents.

                                       4
<PAGE>

         18. The obligations of the Obligors under this Agreement shall be joint
and several. The reference to the Obligors hereunder shall, at the Lender's
option, be to all or any of the Obligors.

         IN WITNESS WHEREOF, Obligors and Lender have executed this Agreement as
of the day and year set forth above.

Signed, sealed and delivered           BORROWER:
in the presence of:

                                       PETMEDEXPRESS.COM, INC., a Florida
                                       corporation

/s/ Hazel Hunter                       By: /s/ Marc Puleo, M.D.       (SEAL)
-------------------------                 -------------------------------------
Print Name: Hazel Hunter                  Print Name: Marc Puleo
                                          -------------------------------------
                                          Title: President/CEO
                                          -------------------------------------
                                          Date: 9-17-99
/s/ Kenneth P. Wurtenberger               Address: 1441 S.W. 49th Avenue
-----------------------------------                Pompano Beach, Florida 33066
Print Name: Kenneth P. Wurtenberger

                                       GUARANTOR:

/s/ Hazel Hunter                        /s/ Marc Puleo
-----------------------------------     ---------------------------------------
Print Name: Hazel Hunter               MARC A. PULEO
                                       Date: 9-17-99
/s/ Kenneth P. Wurtenberger            Address: 1441 S.W. 49th Avenue
-----------------------------------             Pompano Beach, Florida 33066
Print Name: Kenneth P. Wurtenberger

                                       LENDER:

                                       SOUTHTRUST BANK, NATIONAL ASSOCIATION

 /s/ Hazel Hunter                      By: /s/ Susan King   (SEAL)
-------------------------                  ------------------------------------
Print Name: Hazel Hunter                   Print Name: Susan King
                                           ------------------------------------
                                           Title: Vice President
                                           ------------------------------------
                                           Date: 9/17/99

 /s/ Kenneth P. Wurtenberger           Address: One East Broward Boulevard
-----------------------------------             Fort Lauderdale, Florida 33301
Print Name: Kenneth P. Wurtenberger

                                       5
<PAGE>

STATE OF FLORIDA       )
                       ) SS:
COUNTY OF BROWARD      )

         I HEREBY CERTIFY that on this day, before me, an officer duly
authorized in the State aforesaid and in the County aforesaid to take
acknowledgments, the foregoing instrument was acknowledged before me by Marc
Puleo, the President of PETMEDEXPRESS.COM, INC., a Florida corporation, freely
and voluntarily under authority duly vested in him/her by said corporation and
that the seal affixed thereto is the true corporate seal of said corporation.
He/She is personally known to me or who has produced _____________________ as
identification.

         WITNESS my hand and official seal in the County and State last
aforesaid this 17th day of September, 1999.

                                          /s/ Kenneth P. Wurtenberger
                                          ----------------------------------
                                          Notary Public

                                          ----------------------------------
                                          Typed, printed or stamped name of
                                          Notary Public

My Commission Expires:

STATE OF FLORIDA            )
                            ) SS:
COUNTY OF BROWARD           )

         I HEREBY CERTIFY that on this day, before me, an officer duly
authorized in the State aforesaid and in the County aforesaid to take
acknowledgments, the foregoing instrument was acknowledged before me by MARC A.
PULEO, who is personally known to me or who has produced
________________________ as identification.

         WITNESS my hand and official seal in the County and State last
aforesaid this 17th day of September,1999.

                                            /s/ Kenneth P. Wurtenberger
                                            ---------------------------------
                                                Notary Public

                                            ---------------------------------
                                            Typed, printed or stamped name of
                                            Notary Public

My Commission Expires:

                                       6
<PAGE>

STATE OF FLORIDA        )
                        ) SS:
COUNTY OF BROWARD       )

         I HEREBY CERTIFY that on this day, before me, an officer duly
authorized in the State aforesaid and in the County aforesaid to take
acknowledgments, the foregoing instrument was acknowledged before me by Susan
King, the Vice President of SOUTHTRUST BANK, NATIONAL ASSOCIATION, a national
banking association, freely and voluntarily under authority duly vested in
him/her by said association. He/She is personally known to me or who has
produced ______________________ as identification.

         WITNESS my hand and official seal in the County and State last
aforesaid this 17th day of September, 1999.

                                            /s/ Kenneth P. Wurtenberger
                                            ---------------------------------
                                            Notary Public

                                            ---------------------------------
                                            Typed, printed or stamped name of
                                            Notary Public

My Commission Expires:Exhibit 10.10

Borrower's Taxpayer
Identification No. 65-0680967

                                 PROMISSORY NOTE

$1,680,000.00                                                    April 29, 1999
                                                       Fort Lauderdale, Florida

         FOR VALUE RECEIVED, PETMEDEXPRESS.COM, INC., a Florida corporation
(sometimes hereinafter referred to as the "undersigned" or the "Borrower"),
promises to pay to the order of SOUTHTRUST BANK, NATIONAL ASSOCIATION or any
subsequent holder of this note ("Bank" or "Lender") at its principal offices
located at P.O. Box 460, Boynton Beach, Florida 33425-0460 (or at such other
place or places as Bank may designate) the principal sum of ONE MILLION SIX
HUNDRED EIGHTY THOUSAND DOLLARS ($1,680,000) or so much thereof as may be from
time to time outstanding, together with interest thereon on the principal amount
from time to time outstanding. Interest shall be computed on the actual number
of days elapsed and an assumed year of 360 days. Borrower and all endorsers,
sureties, guarantors and any other persons liable or to become liable with
respect to the loan evidenced by this Note (the "Loan") are each included in the
term "Obligors" as used in this Note. Said principal and interest shall be
payable in lawful money of the United States, on the dates and in the amounts
specified below, to wit:

         1. Interest. This Note shall bear interest at a fixed rate (computed on
the basis of a 360-day year and calculated based upon the actual number of days
elapsed) equal to seven and three-quarters percent (7.75%) ("Rate"). In no event
shall said rate of interest exceed the maximum annual rate of interest permitted
under Florida Law or Federal Law in the event Federal Law preempts Florida Law
or is otherwise applicable.

         2. Said principal and interest shall be payable in lawful money of the
United States, on the dates and in the amounts specified below, to wit:

         Eighty-Three (83) equal monthly payments of principal and interest in
         the amount of Fifteen Thousand Nine Hundred Twenty-Four and 89/100
         Dollars ($15,924.89) shall be due and payable commencing on the fifth
         (5th) day of the first (1st) full month following the date hereof, with
         a like payment due on the 5th day of each consecutive month thereafter,
         with the entire outstanding principal balance, together with all
         accrued but unpaid interest, due and payable seven (7) years from the
         date hereof ("Maturity Date").

                                       1
<PAGE>

         3. Borrower shall pay to Bank a late charge of five percent (5%) of any
payment not received by Bank within fifteen (15) days of its due date; provided,
however, if said fifteen (15) day period ends on a day other than a day on which
Bank is open for Business (a "Business Day"), then the aforedescribed late
charge shall be payable if the payment is not received by the last Business Day
within said fifteen (15) day period.

         4. This Note may be prepaid in whole or in part at any time; provided,
however, any prepayment, whether voluntary or involuntary, must be accompanied
by a prepayment fee as follows: (i) three percent (3%) of the amount prepaid if
paid during the first year of this Note; (ii) two percent (2%) of the amount
prepaid if paid during the second year of this Note; and (iii) one percent (1%)
of the amount prepaid if paid during the third year of this Note. No prepayment
shall affect the requirement of the Borrower to make the regular monthly
payments of principal and interest.

         5. Borrower shall pay all amounts owing under this Note in full when
due without set-off, counterclaim deduction or withholding for any reason
whatsoever. If any payment falls due on a day other than a Business Day, then
such payment shall instead be made on the next succeeding Business Day, and
interest shall accrue accordingly. Any payment received by Bank after 1:00 p.m.
shall not be credited against the indebtedness under this Note until at least
the next succeeding Business Day.

         6. If default be made in the payment of any sums payable pursuant to
the terms of this Note following a grace period of five (5) days (which shall
not require the giving of any notice), or if default or other event causing the
acceleration of this Note occur under the Florida Real Estate Mortgage and
Security Agreement securing this Note (the "Mortgage"), or any other instrument
or document executed in connection with the Loan (this Note, the Mortgage and
all such instruments and documents, including, without limitation, any
guaranties, agreements, mortgages, security agreements, assignments and other
documents securing this Note, are referred to in this Note as the "Loan
Documents") (an "Event of Default"), then or at any time thereafter at the
option of Bank, the whole of the principal sum then remaining unpaid hereunder,
together with all interest accrued thereon and all other sums owing under the
Loan Documents, shall immediately become due and payable without notice and Bank
shall be entitled to pursue any and all rights and remedies provided by
applicable law and/or under the terms of this Note or any other Loan Document,
all of which shall be cumulative and may be exercised successively or
concurrently. Upon the occurrence and during the continuation of any Event of
Default, Bank, at its option, may at any time declare any or all other
liabilities of any Obligor to Bank immediately due and payable (notwithstanding
any contrary provisions thereof) without demand or notice of any kind. In
addition, Bank shall have the right to set off any and all sums owed to any
Obligor by Bank in any capacity (whether or not then due) against the Loan
and/or against any other liabilities of any Obligor to Bank.

                                       2
<PAGE>

         7. From and after an Event of Default, and regardless of whether the
Bank also elects to accelerate the maturity of this Note, the entire principal
remaining unpaid hereunder shall bear an augmented annual interest rate equal to
the lesser of (i) twenty-five percent (25%) per annum, or (ii) the highest
applicable lawful rate. Failure to exercise any and all rights or remedies Bank
may in the event of any such default be entitled to shall not constitute a
waiver of the right to exercise such rights or remedies in the event of any
subsequent default, whether of the same or different nature. No waiver of any
right or remedy by Bank shall be effective unless made in writing and signed by
Bank, nor shall any waiver on one occasion apply to any future occasion.

         8. In no event shall any agreed or actual exaction charged, reserved or
taken as an advance or forbearance by Bank as consideration for the Loan exceed
the limits (if any) imposed or provided by the law applicable from time to time
to the Loan for the use or detention of money or for forbearance in seeking its
collection, and Bank hereby waives any right to demand such excess. If the
floating rate of interest based on the Prime Rate should increase above such
maximum interest rate permitted by applicable law (if any), then notwithstanding
any contrary provision in this Note or any other Loan Document and without
necessity of further agreement or notice by Bank or any Obligor, the unpaid
principal balance of the Loan shall thereupon bear interest at such maximum
lawful rate. If the floating interest should thereafter decrease below such
maximum lawful rate, the Loan shall nevertheless continue to bear interest at
such maximum lawful rate until Bank, receives the full amount of interest
delayed by the application of such maximum lawful rate under this paragraph, at
which time the Loan shall once again bear interest at the then applicable
floating interest rate. In the event that the interest provisions of this Note
or any exactions provided for in this Note or any other Loan Document shall
result at any time or for any reason in an effective rate of interest that
transcends the maximum interest rate permitted by applicable law (if any), then
without further agreement or notice the obligation to be fulfilled shall be
automatically reduced to such limit and all sums received by Bank in excess of
those lawfully collectible as interest shall be applied against the principal of
the Loan immediately upon Bank's receipt thereof, with the same force and effect
as though the payor had specifically designated such extra sums to be so applied
to principal and Bank had agreed to accept such extra payment(s) as a
premium-free prepayment or prepayments. During any time that the Loan bears
interest at the maximum lawful rate (whether by application of this paragraph,
the default provisions of this Note or otherwise), interest shall be computed on
the basis of the actual number of days elapsed and the actual number of days in
the respective calendar year. Pursuant to Florida Statutes, Section 687.12, the
interest rate charged is authorized by Florida Statutes, Chapter 665.

         9. The Obligors hereby severally: (a) waive demand, presentment,
protest, notice of dishonor, suit against or joinder of any other person, and
all other requirements necessary to charge or hold any Obligor liable with
respect to the Loan; (b) waive any right to immunity from any such action or
proceeding and waive any immunity or exemption of any property, wherever
located, from garnishment, levy, execution, seizure or attachment prior to or in
execution of judgment, or sale

                                       3
<PAGE>

under execution or other process for the collection of debts; (c) waive any
right to interpose any set-off or non-compulsory counterclaim or to plead laches
or any statute of limitations as a defense in any such action or proceeding and
waive (to the extent lawfully waivable) all provisions and requirements of law
for the benefit of any Obligor now or hereafter in force; (d) submit to the
jurisdiction of the state and federal courts in the State of Florida for
purposes of any such action or proceeding; (e) agree that the venue of any such
action or proceeding may be laid in Broward County, Florida (in addition to any
county in which any collateral for the Loan is located), and waive any claim
that the same is an inconvenient forum; (f) stipulate that service of process in
any such action or proceeding shall be properly made if mailed by any form of
registered or certified mail (airmail if international), postage prepaid, to the
address then registered in Bank's records for the Obligor(s) so served, and that
any process so served shall be effective ten (10) days after mailing; and (g)
agree that the death or mental or physical incapacity of any Obligor who is a
natural person, or the dissolution or merger or consolidation or termination of
the existence of any Obligor that is a business entity (or if any person
controlling such Obligor shall take any action authorizing or leading to the
same), shall at Bank's option, which option may be exercised then or at any time
thereafter, result in the Loan being then due and payable in full. No provision
of this Note shall limit Bank's right to serve legal process in any other manner
permitted by law or to bring any such action or proceeding in any other
competent jurisdiction. The Obligors hereby severally consent and agree that, at
any time and from time to time without notice, (i) Bank and the owners(s) of any
collateral then securing the Loan may agree to release, increase, change,
substitute or exchange all or any part of such collateral, and (ii) Bank and any
person(s) then primarily liable for the Loan may agree to renew, extend or
compromise the Loan in whole or in part or to modify the terms of the Loan in
any respect whatsoever; no such release, increase, change, substitution,
exchange, renewal, extension, compromise or modification shall release or affect
in any way the liability of any Obligor, and the Obligors hereby severally waive
any and all defenses and claims whatsoever based thereon. Until Bank receives
all sums due under this Note and all other Loan Documents in immediately
available funds, no Obligor shall be released from liability with respect to the
Loan unless Bank expressly releases such Obligor in a writing signed by Bank,
and Bank's release of any Obligor(s) shall not release any other person liable
with respect to the Loan.

         10. The Obligors jointly and severally agree to pay all filing fees and
similar charges and all costs incurred by Bank in collecting or securing or
attempting to collect or secure the Loan, including attorney's fees, whether or
not involving litigation and/or appellate, administrative or Bankruptcy
proceedings. The Obligors jointly and severally agree to pay any documentary
stamp taxes, intangibles taxes or other taxes (except for federal or Florida
franchise or income taxes based on Bank's net income) which may now or hereafter
apply to this Note or the Loan or any security therefor, and the Obligors
jointly and severally agree to indemnify and hold Bank harmless from and against
any liability, costs, attorney's fees, penalties, interest or expenses relating
to any such taxes, as and when the same may be incurred. The Obligors jointly
and severally agree to pay on demand, and to indemnify and hold Bank harmless
from and against, any and all present or future taxes,

                                       4
<PAGE>

levies, imposts, deductions, charges and withholdings imposed in connection with
the Loan by the laws or governmental authorities of any jurisdiction other than
the State of Florida or the United States of America, and all payments to Bank
under this Note shall be made free and clear thereof and without deduction
therefor.

         11. This Note shall be governed by, and construed and enforced in
accordance with, the laws of the State of Florida, except that federal law shall
govern to the extent that it may permit Bank to charge, from time to time,
interest on the Loan at a rate higher than may be permissible under applicable
Florida law.

         12. Any provision of this Note which is prohibited or unenforceable in
any jurisdiction shall, as to such jurisdiction only, be ineffective only to the
extent of such prohibition or unenforceability without invalidating the
remaining provisions hereof or affecting the validity or enforceability of such
provision in any other jurisdiction. To the extent that the Obligors may
lawfully waive any law that would otherwise invalidate any provision of this
Note, each of them hereby waives the same, to the end that this Note shall be
valid and binding and enforceable against each of them in accordance with all
its terms.

         13. If this Note is signed by more than one person, then the term
"Borrower" as used in this Note shall refer to all such persons jointly and
severally, and all promises, agreements, covenants waivers, consents,
representations, warranties and other provisions in this Note are made by and
shall be binding upon each and every undersigned person, jointly and severally.
The term "Bank" shall be deemed to include any subsequent holder(s) of this
Note. Whenever used in this Note, the term "person" means any individual, firm,
corporation, trust or other organization or association or other enterprise or
any governmental or political subdivision, agency, department or instrumentality
thereof. Whenever used in this Note, words in the singular include the plural,
words in the plural include the singular, and pronouns of any gender include the
other genders, all as may be appropriate. The "Prime Rate" is a base reference
rate of interest adopted by SouthTrust Bank, National Association as a general
benchmark from which SouthTrust Bank, National Association determines the
floating interest rates chargeable on various loans to borrowers with varying
degrees of creditworthiness, and Borrower acknowledges and agrees that Bank has
made no representations whatsoever that the "Prime Rate" is the interest rate
actually offered by SouthTrust Bank, National Association to borrowers of any
particular creditworthiness.

         14. Time shall be of the essence with respect to the terms of this
Note. This Note cannot be changed or modified orally. Bank shall have the right
unilaterally to correct patent errors or omissions in this Note or any other
Loan Document. Except as otherwise required by law or by the provisions of this
Note or any other Loan Document, payments received by Bank hereunder shall be
applied first against expenses and indemnities, next against interest accrued on
the Loan, and next in reduction of the outstanding principal balance of the
Loan, except that from and after any default

                                       5
<PAGE>

under this Note, Bank may apply such payments in any order of priority
determined by Bank in its exclusive judgment. For purposes of determining
interest accruing under this Note, principal shall be deemed outstanding on the
date payment is credited by Bank. If any payment required to be made pursuant to
this Note is not received on the due date, Bank shall have the right, at its
election, to charge any of Borrower's accounts at Bank with the amount of such
payment. Except as otherwise required by the provisions of this Note or any
other Loan Document, any notice required to be given to any Obligor shall be
deemed sufficient if made personally or if mailed, postage prepaid, to such
Obligor's address as it appears in this Note (or, if none appears, to any
address for such Obligor then registered in Bank's records). Bank may grant
participations in all or any portion of, and may assign all or any part of
Bank's rights under, this Note. Bank may disclose to any such participant or
assignee any and all information held by or known to Bank at any time with
respect to any Obligor. If Borrower or any other Obligor is a partnership, then
all general partners thereof shall be liable jointly and severally for all
obligations under this Note and for all other covenants, agreements,
undertakings and obligations of Borrower in connection with the Loan,
notwithstanding any contrary provision of the partnership laws of the State of
Florida. All of the terms of this Note shall inure to the benefit of Bank and
its successors and assigns and shall be binding upon each and every one of the
Obligors and their respective heirs, executors, administrators, personal
representatives, successors and assigns, jointly and severally.

         15. The Mortgage encumbers real and personal property located in
Broward County, Florida, and is intended to be recorded amongst the Public
Records of said County.

         16. BANK AND BORROWER HEREBY KNOWINGLY, VOLUNTARILY AND INTENTIONALLY
WAIVE THE RIGHT EITHER MAY HAVE TO 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 COURSE OF
CONDUCT, COURSE OF DEALING, STATEMENTS, (WHETHER VERBAL OR WRITTEN) OR ACTIONS
OF EITHER PARTY. BORROWER ACKNOWLEDGES THAT THIS WAIVER OF JURY TRIAL IS A
MATERIAL INDUCEMENT TO THE BANK IN EXTENDING CREDIT TO THE BORROWER, THAT THE
BANK WOULD NOT HAVE EXTENDED SUCH CREDIT WITHOUT THIS JURY TRIAL WAIVER, AND
THAT BORROWER HAS BEEN REPRESENTED BY AN ATTORNEY OR HAS HAD AN OPPORTUNITY TO
CONSULT WITH AN ATTORNEY IN CONNECTION WITH THIS JURY TRIAL WAIVER AND
UNDERSTANDS THE LEGAL EFFECT OF THIS WAIVER.

                                       6
<PAGE>

         WITNESS the due execution hereof as of the date first above written.

                             PETMEDEXPRESS.COM, INC., a Florida corporation

                             By: /s/ Marc Puleo, M.D.                     (SEAL)
                             Print Name: Dr. Marc Puleo
                             Title: President/CEO

DOCUMENTARY STAMPS IN THE AMOUNT OF $5,880.00 HAVE BEEN PAID UPON AND AFFIXED TO
THE MORTGAGE SECURING THIS PROMISSORY NOTE.

                                       7

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