Document:

<PAGE>   1
SUMMARY OF 2001 SENIOR EXECUTIVE INCENTIVE PLAN                    EXHIBIT 10.33

A targeted bonus equal to 50% of Dennis Ganster's base compensation and 40% of
the base compensation of the other senior executives is payable for the fiscal
year 2001 upon achievement of performance goals. Fifty percent of the bonus is
payable upon achievement of targeted net revenue growth (net of third party
royalties) and fifty percent is payable upon achievement of targeted earnings
per share levels. Actual bonuses may be greater or lesser than the targeted
bonus levels, dependent upon deviation in actual performance from performance
goals. Participating senior executives must be employed by the Company at the
date of the payment of the bonus.<PAGE>   1
                                                                   EXHIBIT 10(k)
                         AMENDMENT #10 TO LOAN AGREEMENT
                             DATED DECEMBER 31, 1999

                                 William Farber
                               32640 Whatley Road
                            Franklin, Michigan 48025

                                December 31, 1999

Mr. Larry Dalesandro
Lannett Company, Inc.
9000 State Road
Philadelphia, Pennsylvania 19136

         Re: Loan Agreement between William Farber ("Lender") and Lannett
Company, Inc., a Delaware Corporation ("Borrower") dated August 30, 1991, as
amended by Amendment #1 to Loan Agreement dated as of March 15, 1993, and by
letter agreements dated August 1, 1994, May 15, 1995, December 31, 1995, June
30, 1996, November 1, 1996, September 9, 1997, June 30, 1998, December 30, 1998
and December 31, 1999.

Dear Larry:

This letter confirms that the Maturity Date for the Revolving Credit Loan (as
defined in the Loan Agreement) is extended to October 1, 2001.

                                Very Truly Yours

                             By: /s/ William Farber
                                 ------------------
                                 William Farber

AGREED TO AND ACCEPTED:

LANNETT COMPANY, INC.

By:/s/ Larry Dalesando
       ---------------
       Larry Dalesandro, Chief Operating Officer

                                       40<PAGE>   1
                                                                   EXHIBIT 10.54

                            BUSINESS LOAN AGREEMENT

         The undersigned UNITED AMERICAN HEALTHCARE CORPORATION, a Michigan
corporation, with its chief executive offices located at 1155 Brewery Park
Blvd., Suite 200, Detroit, Michigan 48207 (the "Borrower"), has requested from
MICHIGAN NATIONAL BANK, a national banking association, of 27777 Inkster Road,
Farmington Hills, Michigan 48333 (the "Bank"), and Bank agrees to make, or has
made, the loan(s) described below (the "Loans") under the terms and conditions
set forth in this Business Loan Agreement ("Agreement").

I.       LOANS.

         The following Loans and any amendments, extensions, renewals or
         refinancings thereof are subject to this Agreement:

         TYPE OF LOAN           LOAN AMOUNT             LOAN DATE

A.       Term Loan              $3,972,900.87           September 25, 2000

PURPOSE of Loan listed above:

A.       Refinance and term out existing Line of Credit loan Note No. 02007144-
         13.

II.      BORROWER'S REPRESENTATIONS AND WARRANTIES.

         Borrower represents and warrants to Bank, all of which representations
         and warranties shall be continuing until all of Borrower's Obligations
         under this Agreement and the Related Documents are fully performed, as
         follows:

A.       BORROWER'S EXISTENCE AND AUTHORITY. Borrower is a Michigan corporation,
         and the Person executing this Agreement has full power and complete
         authority to execute this Agreement and all Related Documents.

B.       VALIDITY OF INDEBTEDNESS AND AGREEMENT. Borrower's Indebtedness to
         Bank, this Agreement, and all Related Documents are valid, binding
         upon, and fully enforceable against Borrower in accordance with their
         respective terms.

C.       NATURE OF BORROWER'S BUSINESS. The nature of Borrower's business is to
         provide management and consultant services for public and private
         health care systems.

D.       FINANCIAL INFORMATON. All Financial Statements provided to Bank has
         been prepared and shall continue to be prepared in accordance with
         generally accepted accounting principles ("GAAP"), consistently
         applied, and fully and fairly present the financial condition of
         Borrower. There has been no material adverse change in Borrower's
         business, Property, or financial condition since the date of Borrower's
         latest Financial Statements provided to Bank.

E.       TITLE AND ENCUMBRANCES. Borrower owns all of its Property, and there
         are no liens or encumbrances on any of the Property except as have been
         disclosed to Bank in writing prior to the date of this Agreement and
         which are identified and listed in an attachment to this Agreement (the
         "Permitted Encumbrances"). Borrower agrees that Borrower shall not
         obtain further loans, leases, or credit extensions from any Person
         identified in the Permitted Encumbrances list or otherwise without
         Bank's prior written consent.

F.       NO LITIGATION. There are no suits or proceedings pending before any
         court, government agency, arbitration panel, or administrative
         tribunal, or, to Borrower's knowledge, threatened against Borrower,
         which may result in any material adverse change in the business,
         Property or financial condition of Borrower.

G.       NO MISREPRESENTATIONS. All representations and warranties in this
         Agreement and the Related Documents are true and correct and no
         material fact has been omitted.

H.       EMPLOYEE BENEFIT PLANS.  Borrower has not incurred any material
         accumulated funding deficiency within the meaning of ERISA, and has not
         incurred any material liability to the PBGC in connection with any
         employee benefit plan established or maintained by Borrower, and no
         reportable event or prohibited transaction, as defined in ERISA, has
         occurred with respect to such plan(s).

I.       ENVIRONMENTAL COMPLIANCE. Borrower is in full compliance with all
         applicable Environmental Laws.

J.       YEAR 2000 PROBLEM. Borrower warrants to the Bank that Borrower has
         reviewed or is currently reviewing all of Borrower's computer systems,
         including all hardware, software, tools and equipment with embedded
         computer chips, networks, interfaces and data storage (the "Computer
         Systems")

                                      -1-
<PAGE>   2
         within Borrower's business which could be affected by the Year 2000
         Problem and has developed and implemented a comprehensive program
         (including emergency, backup, and business continuation plans) to
         ensure Borrower's Computer Systems will not have a Year 2000 Problem,
         and are fully Year 2000 Compliant. Borrower further warrants that it
         has reviewed, or is presently reviewing the Year 2000 Problem with all
         of its customers, service providers, suppliers, vendors, trading
         partners and others with whom Borrower's Computer Systems are linked or
         have any material reliance, and Borrower has obtained assurances from
         all such customers, service providers, suppliers, vendors, trading
         partners and others that their Computer Systems will not have a Year
         2000 Problem affecting Borrower. Borrower agrees to provide Bank from
         time to time with written updates and such other information as the
         Bank may request concerning the Year 2000 Problem and Borrower's
         progress in solving said problem and acknowledges that it will be an
         Event of Default if Borrower's Computer Systems are not Year 2000
         Compliant.

III.     AFFIRMATIVE COVENANTS.

         As of the date of this Agreement and continuing until Borrower's
         Obligations under this Agreement and the Related Documents are fully
         performed, Borrower SHALL:

A.       BOOKS AND REPORTS.

         1.      FINANCIAL STATEMENTS. Within One Hundred Twenty (120) days
                 after the end of each fiscal YEAR, furnish to Bank, in form
                 acceptable to Bank, Borrower's AUDITED Financial Statements on
                 a consolidated basis for the foregoing period prepared by A
                 CERTIFIED PUBLIC ACCOUNTANT ACCEPTABLE TO BANK.

         2.      FINANCIAL STATEMENTS. Within Forty Five (45) days after the
                 end of each fiscal MONTH, furnish to Bank, in form acceptable
                 to Bank, Borrower's management prepared Financial Statements on
                 a consolidated and consolidating basis for the foregoing period
                 certified to be correct by Borrower's Treasurer or Chief
                 Financial Officer.

         3.      FIELD AUDIT. Allow the Bank's internal auditors to conduct a
                 field audit of Borrower's books, records and properties at such
                 times and to such extent as Bank in its sole discretion, may
                 determine and Borrower agrees to pay Bank for the cost of said
                 audit(s).

         4.      OTHER. Promptly furnish to Bank such other information and
                 reports concerning the Borrower's business, Property, and
                 financial condition as are provided to Borrower's owners or as
                 Bank shall request, and permit Bank to inspect, confirm, and
                 copy Borrower's books and records at any time during Borrower's
                 normal business hours.

B.       NOTICE OF ADVERSE EVENTS.  Promptly notify Bank in writing of any
         litigation, governmental proceeding, default or any other occurrence,
         which could have a material adverse effect on Borrower's business,
         Property or financial condition.

C.       MAINTAIN BUSINESS EXISTENCE AND OPERATIONS. Do all things necessary to
         keep in full force and effect Borrower's corporate, partnership,
         proprietorship, trust, or other existence, as the case may be, and to
         continue its business described in Paragraph II.C. as presently
         conducted. Borrower shall not change its corporate, partnership,
         proprietorship, trust, or other existence, nor sell or merge Borrower's
         business, in whole or in part, to or with any other Person, without the
         prior written consent of Bank.

D.       INSURANCE. Maintain adequate fire and extended risk coverage, business
         interruption, workers disability compensation, public liability,
         environmental, flood, and such other insurance coverages as may be
         required by law or as may be required by Bank. All insurance policies
         shall be in such amounts, upon such terms, in form, and carried with
         such insurers, as are acceptable to Bank. Borrower shall provide
         evidence satisfactory to Bank of all insurance coverages and that the
         policies are in full force and effect, and for all insurance coverages
         upon any Property which is Collateral, the insurance policy shall be
         endorsed to provide Bank with a standard loss payable clause insuring
         the Bank's interest without regard to any act, fault or neglect of
         Borrower, with not less than thirty (30) days advance written notice to
         Bank by the insurer of any cancellation or modification of coverage
         (CF12181185). Any failure to maintain insurance as provide in this
         Agreement shall be an Event of Default and Bank may obtain such
         insurance as the Bank deems necessary or prudent, in the Bank's sole
         discretion, without obligation to do so, and all amounts so expended by
         Bank shall be added to the Indebtedness or shall be payable on demand,
         at Bank's option. Upon Borrower's failure to promptly provide evidence
         of such insurance as Bank has required, the Bank may assume Borrower
         does not have the required coverage. Upon Borrower's failure to obtain
         or maintain any insurance coverages required under this Agreement, the
         Bank may, in addition to its other rights, assess a service charge for
         obtaining and servicing any such insurance coverage(s).

E.       PAYMENT OF TAXES. Pay all taxes, levies and assessments due to all
         local, State and Federal agencies, before any interest or penalty
         thereon becomes due and payable. Unless Borrower has established a cash
         reserve with Bank and is actively pursuing a tax appeal, any failure by
         Borrower to pay promptly any taxes, levies and assessments shall be an
         Event of Default.

                                      -2-
<PAGE>   3
F.       EMPLOYEE BENEFIT PLANS.

         1. At all times meet the minimum funding requirements of ERISA
            concerning all of Borrower's employee benefit plans subject to
            ERISA.

         2. At no time shall Borrower (a) allow any event to occur or condition
            concerning any employee benefit plan subject to ERISA which might
            constitute grounds for termination of the plan or for the
            appointment of a trustee to administer the plan; or (b) allow any
            employee benefit plan to be the subject of any voluntary or
            involuntary termination proceeding.

G.       ENVIRONMENTAL LAWS COMPLIANCE/NOTICES/INDEMNITY. Strictly comply with
         all Environmental Laws applicable to Borrower's business. Borrower
         agrees to notify Bank, not later than ten (10) days after Borrower's
         receipt, of any summons, notice, lawsuit, citation, letter, or other
         communication received by Borrower from any Federal, State, or local
         agency or unit of government or other Person, which asserts that
         Borrower is in violation of any Environmental Laws. Borrower (and the
         Obligors) agree to indemnify and hold Bank harmless from all violations
         by Borrower of any Environmental Laws, which indemnity shall include
         all costs and expenses incurred by Bank, including reasonable attorney
         fees, which are related to any violation by Borrower of any
         Environmental Laws, whether or not the Indebtedness has been paid at
         the time any proceeding, claim, or action is instituted against Bank.
         Borrower further agrees that Bank may at any time, at Borrower's sole
         cost and expense, hire, or require Borrower to hire, and provide Bank
         with an environmental audit prepared by an independent environmental
         engineering firm acceptable to Bank to confirm the continuing truth and
         accuracy of Borrower's environmental representations and warranties.

H.       USE OF PROCEEDS; PURPOSE OF LOANS. Use the proceeds of the Loan(s) only
         for Borrower's business described in Paragraph II.C., and only for
         those purposes stated in Paragraph I.

I.       MAINTENANCE OF RECORDS; CHANGE IN PLACE OF BUSINESS OR NAME. Keep all
         of its books and records at the address set forth in this Agreement,
         and give the Bank prompt written notice of any change in its principal
         place of business, in the location of Borrower's books and records, in
         Borrower's name, and of any change in the location of the Collateral.

J.       EMPLOYMENT LAWS. Strictly comply with all Federal and State laws
         pertaining to Borrower's employees, including by way of illustration
         but not of limitation, the Michigan Worker's Disability Compensation
         Act, MCL 418.101 et seq., as amended, Michigan Employment Security Act,
         MCL 421.1 et seq., as amended, and the Fair Labor Standards Act, 29 USC
         201 et seq., as amended.

K.       GENERAL COMPLIANCE WITH LAW. At all times operate Borrower's business
         in strict compliance with all applicable Federal, State, and local
         laws, ordinances and regulations, including, without limitation, the
         Americans with Disabilities Act of 1990, and Borrower shall refrain
         from and prevent Borrower's partners, owners, directors, officers,
         employees and agents from engaging in any civil or criminal activity
         proscribed by law.

L.       MANAGEMENT CONTINUATION. Borrower agrees that GREGORY H. MOSES, JR.
         shall continue to actively manage and operate Borrower's business, and
         acknowledges that the Bank has made the Loans in reliance thereon.

IV.      NEGATIVE COVENANTS.

         Until all of Borrower's Obligations under this Agreement and the
         Related Documents are fully performed, without the Bank's prior written
         consent Borrower SHALL NOT:

A.       NO BORROWINGS, GUARANTEES, OR LOANS. Borrow money, become the account
         party on any Letter of Credit, enter into any SWAP Agreement, act as a
         guarantor of any loan or other obligation, or lend any money to any
         Person, without the Bank's prior written consent. Any sale of
         Borrower's Accounts shall be deemed borrowing of money under this
         covenant.

B.       LIENS AND ENCUMBRANCES; TRANSFER OF ASSETS. Mortgage, assign, or
         encumber any of its Property except to Bank, nor sell, transfer or
         assign any Property except in the ordinary course of business.

C.       DIVIDENDS, DISTRIBUTIONS; CAPITAL STRUCTURE. Pay dividends or make
         capital distributions in any fiscal year without Bank's prior written
         consent. If Borrower is a corporation, it shall not purchase, sell, or
         retire any of its shares, nor alter or amend its capital structure
         without Bank's prior written consent, provided, however, with respect
         to any year in which Borrower is taxed by the Internal Revenue Service
         as an "S" Corporation, Borrower may make a distribution of profits to
         its shareholders not to exceed an amount necessary to enable its
         shareholders to pay their personal State and Federal taxes directly
         attributable to the profits earned by Borrower in such year.

D.       TRANSACTIONS WITH OMNICARE-MICHIGAN. Provide any loans, advances or
         other forms of financial support to OmniCare-Michigan without the
         advance written notification to Bank, or forgive or forego any
         management fees due from OmniCare-Michigan to Borrower without the
         advance written notification to Bank.

                                      -3-

<PAGE>   4

V.       SECURITY FOR LOANS.

A.       SECURITY/MORTGAGE INTERESTS. Borrower and the other Obligor(s) named in
         this Agreement have granted or agree to grant to Bank on the date of
         this Agreement, security/mortgage interests in certain Property as
         collateral security for the Loans and repayment of the Indebtedness,
         among which are the following Related Documents:

                 SECURITY AGREEMENT(S) DATED:       September 25, 2000

VI.      EVENTS OF DEFAULT.

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

A.       FAILURE TO PAY AMOUNTS DUE. Failure to pay any principal or interest
         payment on any Indebtedness to Bank when due.

B.       MISREPRESENTATION; FALSE FINANCIAL INFORMATION. Any statement,
         warranty, or representation of Borrower or any Obligor made in this
         Agreement, the Related Documents, or any Financial Statements now or
         hereafter furnished to the Bank by or on behalf of the Borrower or any
         Obligor, is false or misleading.

C.       NONCOMPLIANCE WITH BANK AGREEMENTS. Breaches of any covenant, term,
         condition, or agreement contained in this Agreement or in any of the
         Related Documents by Borrower or any Obligor.

D.       CESSATION/TERMINATION OF EXISTENCE. Borrower or Obligor ceases doing
         business or Borrower's or any Obligor's existence is terminated by
         death, sale, dissolution, merger, or otherwise.

E.       BANKRUPTCY OR RECEIVERSHIP. Any conveyance is made of substantially all
         of Borrower's assets, any assignment is made for the benefit of
         creditors, any receiver is appointed for Borrower, or any insolvency,
         liquidation or reorganization proceeding is filed by or against
         Borrower under the Bankruptcy Code or otherwise.

F.       ATTACHMENTS; TAX LIENS. Any attachment, execution, levy, forfeiture,
         tax lien, or similar writ or process is issued against any of
         Borrower's Property.

G.       INDICTMENT. Any felony criminal proceeding is brought against Borrower,
         Borrower's management, or any Obligor.

H.       AUTHORITY TO CHARGE INTEREST RATE ADVERSELY AFFECTED. Bank determines
         the interest rate charged by Bank on any loan to Borrower is usurious
         or otherwise unlawful or limited.

I.       MATERIAL ADVERSE CHANGE. Any material adverse change occurs or is
         imminent, the effect of which would be to substantially diminish
         Borrower's or any Obligor's financial condition, business, ability to
         perform their agreements with the Bank, or the value of the Collateral.

J.       OTHER LENDER DEFAULT. Any other Borrower indebtedness to the Bank or
         any other creditor becomes due and remains unpaid after acceleration of
         the maturity or after the maturity stated.

VII.     BANK RIGHTS AND REMEDIES ON DEFAULT.

A.       ACCELERATION. Upon the occurrence of any Event of Default, the Loans
         and all Indebtedness to Bank may, at the option of Bank, and without
         demand or notice, be declared immediately due and payable.

B.       PAYMENT OF BANK EXPENSES AFTER DEFAULT. Borrower and the Obligors
         acknowledge that after an Event of Default the Bank will incur
         additional fees, costs and expenses not included in the Bank's original
         pricing of the Loans including, without limitation, field audits of the
         Bank's collateral, the salary and fringe benefits of the defaulted
         loans officer assigned to the Loans, the professional fees of
         appraisers, accountants, lawyers, field engineers, surveyors, and other
         experts and consultants, and the cost of obtaining, verifying, and/or
         updating property surveys, Environmental Laws reports, insurance
         coverages, tax searches, title reports, and Uniform Commercial Code
         searches, and Borrower agrees to pay, at the Bank's cost, all of said
         additional fees, costs and expenses incurred by the Bank after an Event
         of Default and authorizes the Bank to charge any of Borrower's accounts
         with Bank, as and when said fees, costs and expenses are incurred.

C.       REMEDIES CUMULATIVE. The remedies provided for in this Agreement are
         cumulative and not exclusive, and Bank may exercise any remedies
         available to it at law or in equity and as are provided in this
         Agreement, the Related Documents, and any other agreement between
         Borrower and Bank.

                                      -4-

<PAGE>   5
D.       NO WAIVER. No delay or failure of Bank to exercise any right, remedy,
         power or privilege hereunder shall affect that right, remedy, power or
         privilege, nor shall any single or partial exercise thereof preclude
         the exercise of any other right, remedy, power or privilege. No Bank
         delay or failure to demand strict adherence to the terms of this
         Agreement shall be deemed to constitute a course of conduct
         inconsistent with the Bank's right to at any time, before or after any
         Event of Default, to demand strict adherence to the terms of this
         Agreement and the Related Documents.

VIII.    CROSS-COLLATERALIZATION/CROSS-DEFAULT.

         Borrower agrees the Collateral is security for the Loans under this
         Agreement and for all other Indebtedness of Borrower to Bank, whether
         or not such Indebtedness is related by class or kind and whether or not
         contemplated by the parties at the time of executing each evidence of
         Indebtedness. Any Borrower default under the terms of any Indebtedness
         to Bank shall also constitute an Event of Default under this Agreement
         and any Event of Default under this Agreement shall be a default under
         any Indebtedness of Borrower to Bank.

IX.      MISCELLANEOUS.

A.       COMPLIANCE WITH BANK AGREEMENTS. Borrower acknowledges that it has
         carefully read, and agrees to fully comply with, this Agreement, the
         Related Documents, and all other agreements between Borrower and Bank.

B.       EXPENSES. Borrower agrees to pay all of Bank's costs and expenses
         incurred to perfect or protect the Bank's security interests and liens,
         pay any insurance premiums, Uniform Commercial Code search fees, taxes,
         Environmental Laws inspection fees, appraisal fees, and all fees and
         costs incurred by Bank for audits, inspection, and copying of
         Borrower's books and records. Borrower also agrees to pay all costs and
         expenses of Bank, including reasonable attorney fees, in connection
         with the enforcement of the Bank's rights and remedies under this
         Agreement, the Related Documents and any other agreement, and in
         connection with the preparation of any amendments, modifications,
         waivers or consents.

C.       FURTHER ACTION. Borrower agrees, from time to time upon Bank's request,
         to make, execute, acknowledge, and deliver to Bank such further and
         additional instruments, documents, and agreements, and to take such
         further action as may be required to carry out the intent and purpose
         of this Agreement and repayment of the Loans.

D.       GOVERNING LAW, PARTIAL ILLEGALITY. This Agreement and the Related
         Documents shall be interpreted and the rights of the parties determined
         under the laws of the State of Michigan. Should any part, term, or
         provision of this Agreement be adjudged illegal or in conflict with any
         law of the United States or State of Michigan, the validity of the
         remaining portion or provisions of the Agreement shall not be affected.

E.       WRITINGS CONSTITUTE ENTIRE AGREEMENT; MODIFICATIONS ONLY IN WRITING.
         This Agreement, the Related Documents and all other written agreements
         between Borrower and Bank, constitute the entire agreement of the
         parties and there are no other agreements, express or implied. This
         Agreement supersedes any and all commitment letters or term sheets
         heretofore issued in connection with this Loan. None of the parties
         shall be bound by anything not expressed in writing, and neither this
         Agreement, the Related Documents, nor any other agreement can be
         modified except by a writing executed by Borrower and by the Bank. This
         Agreement shall inure to the benefit of and shall be binding upon all
         of the parties to this Agreement and their respective successors,
         estate representatives, and assigns, provided however, that Borrower
         cannot assign or transfer its rights or obligations under this
         Agreement without Bank's prior written consent.

F.       CREDIT INQUIRIES. Borrower hereby authorizes Bank to respond to any
         credit inquiries received by Bank from trade creditors or other credit
         granting institutions.

G.       RELEASE OF CLAIMS AGAINST BANK. In consideration of the Bank making the
         Loans described in this Agreement, Borrower and the Obligor(s) do each
         hereby release and discharge Bank of and from any and all claims, harm,
         injury, and damage of any and every kind, known or unknown, legal or
         equitable, which Borrower or any of the Obligor(s) have against the
         Bank from the date of their respective first contact with Bank until
         the date of this Agreement including, but not limited to, any claim
         arising from any reports (environmental reports, surveys, appraisals,
         etc.) prepared by any parties hired or recommended by Bank. Borrower
         and the Obligor(s) confirm to Bank that they have reviewed the effect
         of this release with competent legal counsel of their choice, or have
         been afforded the opportunity to do so, prior to execution of this
         Agreement and the Related Documents and do each acknowledge and agree
         that Bank is relying upon this release in extending the Loans to
         Borrower.

H.       WAIVER OF JURY TRIAL. Borrower and the Obligors do each knowingly,
         voluntarily and intelligently waive their constitutional right to a
         trial by jury with respect to any claim, dispute, conflict, or
         contention, if any, as may arise under this Agreement or under the
         Related Documents, and agree that any litigation between the parties
         concerning this Agreement and the Related Documents shall be heard by a
         court of competent jurisdiction sitting without a jury. Borrower and
         the Obligor(s)
                                      -5-
<PAGE>   6

         confirm  to Bank that they have reviewed the effect of this waiver of
         jury trial with competent legal counsel of their choice, or have been
         afforded the opportunity to do so, prior to signing this Agreement and
         the Related Documents, and do each acknowledge and agree that Bank is
         relying upon this waiver in extending the Loans to Borrower.

I.       HEADINGS. All section and paragraph headings in this Agreement are
         included for convenience only and do not constitute a part of this
         Agreement.

J.       TERM OF AGREEMENT. This Agreement supersedes and replaces all previous
         loan agreements concerning the Loans described in Paragraph I. Unless
         superseded by a later Business Loan Agreement, this Agreement shall
         continue in full force and effect until all of Borrower's Obligations
         to Bank are fully satisfied and the Loans and Indebtedness are fully
         repaid.

K.       COUNTERPARTS. This Agreement may be executed in any number of
         counterparts, all of which taken together shall constitute one
         agreement, and any of the parties hereto may execute this Agreement by
         signing any such counterpart.

X.       DEFINITIONS.

         The following words shall have the following meanings in this
         Agreement:

A.       "AVERAGE INVESTABLE BALANCE" means the average daily ledger balance in
         Borrower's deposit account referred to in Paragraph III.K. of this
         Agreement, less (i) average daily uncollected deposits, (ii) Bank's
         reserve requirement, and (iii) amounts necessary to offset applicable
         service charges, for the period covered by the account analysis
         statement provided by Bank, as shown on such account analysis
         statement.

B.       "BASE RATE" or "PRIME RATE" means that variable rate of interest from
         time to time established by the bank designated in the Loan promissory
         note(s) as its base or prime commercial lending rate.

C.       "BANK" means Michigan National Bank, a National banking association,
         and any successor or assign.

D.       "COLLATERAL" means that Property which Borrower and any other Obligor
         has pledged, mortgaged, or granted Bank a security interest in,
         wherever located and whether now owned or hereafter acquired, together
         with all replacements, substitutions, proceeds and products thereof.

E.       "CURRENT RATIO" means that ratio obtained by dividing total current
         assets by total current liabilities as determined under GAAP.

F.       "DEBT SERVICE COVERAGE RATIO" means that ratio obtained by dividing the
         sum of Borrower's (i) net income after taxes and distributions, (ii)
         interest expense, (iii) depreciation expense, and (iv) amortization
         expense, by the sum of Borrower's interest expense plus current
         maturities of long-term debt, all for the preceding calculation period
         and all as determined under GAAP.

G.       "ENVIRONMENTAL LAWS" means all laws, regulations, and rules of the
         United States of America, State of Michigan, and local authorities
         which pertain to the environment, including but not limited to, the
         Clean Air Act (42 USC 7401 et seq.), Clean Water Act (33 USC 1251 et
         seq.), Resource Conservation and Recovery Act of 1976 (42 USC 6901 et
         seq.), Comprehensive Environmental Response, Compensation, and
         Liability Act of 1980 (42 USC 9601 et seq.), Hazardous Materials
         Transportation Act (49 USC 1801 et seq.), Solid Waste Disposal Act (42
         USC 6901 et seq.), Toxic Substances Control Act (15 USC 2601 et seq.),
         Michigan Natural Resources and Environmental Protection Act (MCL
         324.101 et seq. as each of said statutes have been or are hereafter
         amended, together with all rules and regulations promulgated by the
         Environmental Protection Agency and Michigan Departments of Natural
         Resources and Environmental Quality, and all additional environmental
         laws, rules, and regulations in effect on the date of this Agreement
         and as may be enacted and effective.

H.       "ERISA" means the Employee Retirement Income Security Act of 1974, as
         amended, and any successor act.

I.       "EVENT OF DEFAULT" means any of the events described in Section VI. of
         this Agreement or in the Related Documents.

J.       "FINANCIAL STATEMENTS" means all balance sheets, cash flows, earnings
         statements, and other financial information (whether of Borrower or an
         Obligor) which have been, are now, or are in the future furnished to
         Bank.

K.       "GAAP" means "generally accepted accounting principles" consistently
         applied, as set forth from time to time in the opinions of the
         Accounting Principles Board of the American Institute of Certified
         Public Accountants and the Financial Accounting Standards Board.

L.       "GUARANTOR" means any Person who has guaranteed payment of the Loans.

                                      -6-

<PAGE>   7

M.       "INDEBTEDNESS" OR "OBLIGATIONS" means all Loans, indebtedness, and
         obligations of Borrower to the Bank, including but not limited to, any
         Bank advances for payments of insurance, taxes, amounts advanced by
         Bank to protect its interest in the Collateral, overdrafts in deposit
         accounts with Bank, and all other indebtedness, obligations and
         liabilities of Borrower to Bank, whether matured or unmatured,
         liquidated or unliquidated, direct or indirect, absolute or contingent,
         joint or several, due or to become due, now existing or hereafter
         arising.

N.       "MICHIGAN NATIONAL BANK PRIME RATE" or "MNB PRIME" means that variable
         rate of interest so designated and from time to time established as the
         Michigan National Bank prime commercial lending rate.

O.       "N/A" means not applicable.

P.       "NET WORTH" means the difference between Borrower's total assets and
         total liabilities, as determined under GAAP.

Q.       "OBLIGOR" means any person having any obligation to Bank, whether for
         the payment of money or otherwise, under this Agreement or under the
         Related Documents, including but not limited to any guarantors of
         Borrower's Indebtedness.

R.       "PBGC" means the Pension Benefit Guaranty Corporation or any Person
         succeeding to the powers and functions of the Pension Benefit Guaranty
         Corporation.

S.       "PERSON" means any individual, corporation, partnership, joint venture,
         association, trust, unincorporated association, joint stock company,
         government, municipality, political subdivision, agency or other
         entity.

T.       "PROPERTY" means all of Borrower's (or other Obligor's, as applicable)
         assets, tangible and intangible, real and personal.

U.       "QUICK RATIO" means the total of Borrower's cash, marketable securities
         and accounts receivable, divided by current liabilities, as determined
         under GAAP.

V.       "RELATED DOCUMENTS" means any and all documents, promissory notes,
         security agreements, leases, mortgages, guaranties, pledges, and any
         other documents or agreements executed in connection with this
         Agreement. The term shall include documents existing before, at the
         time of execution of, this Agreement, and documents executed after the
         date of this Agreement.

W.       "SUBORDINATED DEBT" means all of that indebtedness to others, and all
         collateral security therefore, identified in Section III.J. of this
         Agreement.

X.       "SWAP AGREEMENT" means an agreement (including terms and conditions
         incorporated by reference therein) which is a rate swap agreement,
         basis swap, forward rate agreement, commodity swap, interest rate
         option, forward foreign exchange agreement, spot foreign exchange
         agreement, rate cap agreement, rate floor agreement, rate collar
         agreement, currency swap agreement, cross-currency rate swap agreement,
         currency option, any other similar agreement (including any option to
         enter into any of the foregoing) and any combination of the foregoing.

Y.       "TANGIBLE NET WORTH" means Net Worth plus Subordinated Debt less
         intangible assets and all sums due from Affiliates.

Z.       "WORKING CAPITAL" means the excess of Borrower's current assets over
         current liabilities, determined under GAAP.

AA.      "YEAR 2000 PROBLEM" means the risk that the computer applications
         (including internal and external programs, systems and networks) used
         by Borrower or by third parties with whom Borrower does business may
         not recognize or properly perform date sensitive functions involving
         certain dates prior to and any date after December 31, 1999. "YEAR 2000
         COMPLIANT" means that neither the performance nor functionality of
         Borrower's Computer Systems will be materially affected by the Year
         2000 Problem.

                                      -7-

<PAGE>   8

        IN WITNESS WHEREOF the parties have executed this Agreement on this 25TH
day of September, 2000.

                                       BORROWER:

                                       UNITED AMERICAN HEALTHCARE CORPORATION,
                                       A MICHIGAN CORPORATION

                                       By:   /s/ Gregory H. Moses, Jr.
                                          -----------------------------------
                                                 Gregory H. Moses, Jr.
                                       Its:      Chief Operating Officer

                                       BANK:

                                       MICHIGAN NATIONAL BANK,
                                       A NATIONAL BANKING ASSOCIATION

                                       By:   /s/ Cameron J. Barnett
                                          -----------------------------------
                                                 Cameron J. Barnett
                                       Its:      Asset Structuring Manager

                                      -8-

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