Document:

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                                                                    Exhibit 10.2

                                              Effective as of: November 21, 2000

Fleet Retail Finance, Inc., Agent
40 Broad Street
Boston, Massachusetts 02109

Re:     Loan Arrangement with Drug Emporium, Inc.

Gentlemen:

    Reference is hereby made to a Loan and Security Agreement between Drug
Emporium, Inc. (the "Borrower") and Fleet Retail Finance, Inc. as agent for the
ratable benefit of the Lenders described therein (the "Agent"), dated October
28, 1998 (as amended and in effect from time to time, the "Loan Agreement"). All
capitalized terms used herein that are not otherwise defined shall have the same
meaning herein as in the Loan Agreement.

    The Borrower has advised the Agent that the Borrower conducts business with
McKesson HBOC, Inc. (the "Creditor"), and that in conjunction with such business
the Borrower and the Creditor have agreed to the grant to the Creditor by the
Borrower of a security interest in the Borrower's personal property. The
Borrower acknowledges that the Borrower is prohibited from granting a security
interest in such assets (the "McKesson Assets") pursuant to Section 4-6 of the
Loan Agreement. The Borrower has requested that the Agent and the Lenders waive
compliance by the Borrower with Section 4-6 of the Loan Agreement for the sole
purpose of granting a security interest in the McKesson Assets to McKesson
pursuant to a Security Agreement dated as of November 21, 2000 (the "McKesson
Agreement").

    The Agent and the Lenders hereby agree to the grant of a security interest
in the McKesson Assets to McKesson pursuant to the McKesson Agreement provided
that the Borrower, McKesson, and the Agent enter into an Intercreditor and
Subordination Agreement in the form of Exhibit A annexed hereto.

    In consideration of the agreement by the Agent and the Lenders to the waiver
of Section 4-6 of the Loan Agreement as provided above, the Borrower hereby
agrees to the following:

    1.  Section 2-13 of the Loan Agreement is hereby amended to read as follows:

        In the event that the Termination Date occurs, for any reason, prior to
        the Maturity Date, the Borrower shall pay the Agent, for the benefit of
        the Lenders, the EARLY TERMINATION FEE (so referred to herein)equal to
        one percent (1%) of the Loan Ceiling in effect as of the Termination
        Date, provided, however, no Early Termination Fee shall be payable if
        such termination is in

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        concert with the establishment of a replacement working capital facility
        provided or agented by Fleet Retail Finance Inc. or any of its
        affiliates (it being understood that the forgoing does not constitute
        the commitment or agreement of Fleet Retail Finance Inc. or any of its
        Affiliates to so refinance the Liabilities).

    2.  Section 2A-3(c) of the Loan Agreement is hereby amended to read as
follows:

            (c) The Borrower shall pay the Agent, for the account of the Term
        Lender, the "TERM LOAN EARLY TERMINATION FEE" (so referred to herein)
        equal to the greater of (i) one and one-half percent (1.5%) of the
        amount prepaid, or, (ii) $1,375,000.00 less the Additional Term Loan
        Commitment Fee (as defined herein), and, with respect to all payments
        made after May 10, 2000, all paid and accrued and unpaid (but only if
        paid when due and payable) Current Pay Interest, and PIK Interest (but
        only if paid when due and payable), not to be less than $0. To the
        extent of any partial prepayments of the Term Loan, which shall only be
        made in the amount of $2,500,000 or greater, such Term Loan Early
        Termination Fee shall be paid on a pro rata basis at the time of partial
        prepayment, based upon the percentage of the Term Loan prepaid. In no
        event shall the Term Loan be prepaid prior to December 10, 2000.

    3.  The Agent hereby waives compliance by the Borrower with Section 5-14 of
the Loan Agreement through December 13, 2000, provided that as of December 14,
2000 and at all times thereafter, the Borrower shall be in compliance with the
Availability requirement set forth in such Section.

    4.  Except for the waivers to Section 4-6 and Section 5-14 described above,
the Borrower acknowledges and agrees that neither the Agent nor any of the
Lenders have agreed to the waiver of those Sections of the Loan Agreement for
any other purpose or a waiver of any other term or condition contained in the
Loan Agreement.

    Please indicate your agreement with the foregoing by signing in the space
provided below.

                                            Very truly yours,

                                            DRUG EMPORIUM, INC.

                                            By
                                              ---------------------------------

                                    Print Name:
                                               --------------------------------

                                         Title:
                                               --------------------------------

                                            FLEET RETAIL FINANCE INC.
                                                                        (Agent)

                                            By
                                              ---------------------------------

                                    Print Name:
                                               --------------------------------

                                         Title:
                                               --------------------------------

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                                The "LENDERS"

                                     FLEET RETAIL FINANCE INC.

                                            By
                                              ---------------------------------

                                    Print Name:
                                               --------------------------------

                                         Title:
                                               --------------------------------

                                     NATIONAL CITY COMMERCIAL FINANCE, INC.

                                            By
                                              ---------------------------------

                                    Print Name:
                                               --------------------------------

                                         Title:
                                               --------------------------------

                                     AMERICAN NATIONAL BANK AND TRUST
                                     COMPANY OF CHICAGO

                                            By
                                              ---------------------------------

                                    Print Name:
                                               --------------------------------

                                         Title:
                                               --------------------------------

                                     LASALLE BUSINESS CREDIT, INC.

                                            By
                                              ---------------------------------

                                    Print Name:
                                               --------------------------------

                                         Title:
                                               --------------------------------

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                                     BACK BAY CAPITAL FUNDING LLC

                                            By
                                              ---------------------------------

                                    Print Name:
                                               --------------------------------

                                         Title:
                                               --------------------------------Executed in 6 Parts
                                             Counterpart No. (   )

                             NATIONAL EQUITY TRUST

                           OTC GROWTH TRUST SERIES 12

                           REFERENCE TRUST AGREEMENT

     This Reference Trust Agreement dated ________, 2001 among Prudential
Securities Incorporated, as Depositor and The Bank of New York, as Trustee, sets
forth certain provisions in full and incorporates other provisions by reference
to the document entitled "National Equity Trust, Trust Indenture and Agreement"
(the "Basic Agreement") dated February 2, 2000. Such provisions as are set forth
in full herein and such provisions as are incorporated by reference constitute a
single instrument (the "Indenture").

                                WITNESSETH THAT:

     In consideration of the premises and of the mutual agreements herein
contained, the Depositor and the Trustee agree as follows: Part I.

                     STANDARD TERMS AND CONDITIONS OF TRUST

     Subject to the provisions of Part II hereof, all the provisions contained
in the Basic Agreement are herein incorporated by reference in their entirety
and shall be deemed to be a part of this instrument as fully and to the same
extent as though said provisions had been set forth in full in this instrument.

A.      Article III, entitled "Administration of Trust," shall be amended as
        follows:

        (i)  Section 3.14 Deferred Sales Charge shall be amended to add the
             following sentences at the end thereof:

             "References to Deferred Sales Charge in this Trust Indenture and
             Agreement shall include any Creation and Development Fee indicated
             in the prospectus for a Trust.  The Creation and Development Fee
             shall be payable on each date so designated and in an amount
             determined as specified in the prospectus for a Trust."

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                                    Part II.

                     SPECIAL TERMS AND CONDITIONS OF TRUST

     The following special terms and conditions are hereby agreed to:

A.   The Trust is denominated National Equity Trust, OTC Growth Trust Series 12.

B.   The Units of the Trust shall be subject to a deferred sales charge.

C.   The publicly traded stocks listed in Schedule A hereto are those which,
     subject to the terms of this Indenture, have been or are to be deposited in
     Trust under this Indenture as of the date hereof.

D.   The term "Depositor" shall mean Prudential Securities Incorporated.

E.   The aggregate number of Units referred to in Sections 2.03 and 9.01 of the
      Basic Agreement is          as of the date hereof.

F.   A Unit of the Trust is hereby declared initially equal to 1/     th of the
     Trust.

G.   The term "First Settlement Date" shall mean                        , 2001.

H.   The terms "Computation Day" and "Record Date" shall be on such dates as the
     Sponsor shall direct.

I.   The term "Distribution Date" shall be on such dates as the Sponsor shall
     direct.

J.   The term "Termination Date" shall mean          , 2001.

K.   The Trustee's Annual Fee shall be $      (per 1,000 Units) for 49,999,999
     and below units outstanding $      (per 1,000 Units) on the next 50,000,000
     Units, $     (per 1,000 Units) on the next 100,000,000 Units and $     (per
     1,000 Units) on Units in excess of 200,000,000 Units.  In calculating the
     Trustee's annual fee, the fee applicable to the number of units outstanding
     shall apply to all units outstanding.

L.   The Depositor's Portfolio supervisory service fee shall be $     per 1,000
     Units.

               [Signatures and acknowledgments on separate pages]

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