Document:

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Exhibit 10.12

                             SUBORDINATION AGREEMENT

------------------- ----------------- ----------------- ----------------
    Principal          Loan Date          Maturity         Loan No.
   $250,000.00         06-09-2009        09-09-2010        930610000
------------------- ----------------- ----------------- ----------------

----------------- ----------------- ---------------- -----------------
  Call / Coll         Account           Officer          Initials
                                          RK              /s/ RK
----------------- ----------------- ---------------- ---------------

           References in the boxes above are for Lender's use only and
                 do not limit the applicability of this document
                 to any particular loan or item. Any item above
                  containing "***" has been omitted due to text
                               length limitations.

Borrower:                                    Lender:
   Amexdrug Corporation; Dermagen, Inc.;        National Bank of California
   Biorx  Pharmaceuticals, Inc.; Royal          Corporate Banking Department
   Health Care, Inc.; and Allied Med Inc.       145 South Fairfax Avenue
   8909 West Olympic Boulevard, Suite 208       Los Angeles, CA 90036
   Beverly Hills, CA 90211

Creditor:   Nora Y. Amin
            369 South Doheny Drive, Suite 326
            Bevery Hills, CA 90211

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THIS  SUBORDINATION  AGREEMENT  dated June 9, 2009,  is made and executed  among
Amexdrug Corporation; Dermagen, Inc.; Biorx Pharmaceuticals,  Inc.; Royal Health
Care, Inc.; and Allied Med Inc.; 8909 West Olympic Boulevard, Suite 208; Beverly
Hills, CA 90211  ("Borrower");  Nora Y. Amin, 369 South Doheny Drive, Suite 326,
Beverly Hills, CA 90211 ("Creditor"); and National Bank of California, Corporate
Banking Department, 145 South Fairfax Avenue, Los Angeles, CA 90036 ("Lender").

REQUESTED  FINANCIAL  ACCOMMODATIONS.  Creditor and Borrower each want Lender to
provide  financial  accommodations  to Borrower in the form of (A) new credit or
loan advances,  (B) an extension of time to pay or other  compromises  regarding
all or part of Borrower's present  indebtedness to Lender, or (C) other benefits
to Borrower. Borrower and Creditor each represent and acknowledge to Lender that
Creditor will benefit as a result of these financial  accommodations from Lender
to Borrower,  and Creditor  acknowledges  receipt of valuable  consideration for
entering into this Agreement.  Based on the  representations and acknowledgments
contained in this Agreement, Borrower and Creditor agree with Lender as follows:

SUBORDINATED INDEBTEDNESS. The words "Subordinated Indebtedness" as used in this
Agreement mean all present and future  indebtedness,  obligations,  liabilities,
claims, rights, and demands of any kind which may be now or hereafter owing from
Borrower  to  Creditor.  The  term  "Subordinated  Indebtedness"  is used in its
broadest sense and includes without limitation all principal,  all interest, all
costs,  attorneys'  fees, all sums paid for the purpose of protecting the rights
of a holder of  security,  all  contingent  obligations  of Borrower  (such as a
guaranty),  and all other  obligations,  secured  or  unsecured,  of any  nature
whatsoever.

SUPERIOR  INDEBTEDNESS.  The  words  "Superior  Indebtedness"  as  used  in this
Agreement  mean and include all  present and future  indebtedness,  obligations,
liabilities,  claims,  rights,  and  demands  of any  kind  which  may be now or
hereafter  owing from Borrower to Lender.  The term "Superior  Indebtedness"  is
used in its broadest sense and includes  without  limitation all principal,  all
interest,  all  costs,  attorneys'  fees,  all  sums  paid  for the  purpose  of
protecting  Lender's  rights  in  security  (such as  paying  for  insurance  on
collateral if the owner fails to do so), all contingent  obligations of Borrower
(such as a guaranty),  all obligations  arising by reason of Borrower's accounts
with  Lender  (such  as an  overdraft  on a  checking  account),  and all  other
obligations  of  Borrower  to  Lender,  secured  or  unsecured,  of  any  nature
whatsoever.

SUBORDINATION.  All  Subordinated  Indebtedness  of  Borrower to Creditor is and
shall be subordinated  in all respects to all Superior  Indebtedness of Borrower
to  Lender.  If  Creditor  holds one or more  Security  Interests,  whether  now
existing or hereafter  acquired,  in any of Borrower's real property or personal
property,  Creditor also subordinates all Creditor's  Security  Interests to all
Security Interests held by Lender, whether now existing or hereafter acquired.

PAYMENTS TO CREDITOR.  Borrower will not make and Creditor  will not accept,  at
any time while any  Superior  Indebtedness  is owing to Lender,  (A) any payment
upon any Subordinated Indebtedness,  (B) any advance, transfer, or assignment of
assets to Creditor in any form  whatsoever  that would  reduce at any time or in
any way the amount of  Subordinated  Indebtedness,  or (C) any  transfer  of any
assets as security for the Subordinated Indebtedness, except upon Lender's prior
written consent.

In the event of any distribution,  division, or application,  whether partial or
complete,  voluntary or involuntary, by operation of law or otherwise, of all or
any part of Borrower's assets, or the proceeds of Borrower's assets, in whatever
form, to creditors of Borrower or upon any indebtedness of Borrower,  whether by
reason of the liquidation,  dissolution or other  winding-up of Borrower,  or by
reason  of  any  execution  sale,   receivership,   insolvency,   or  bankruptcy
proceeding,   assignment   for  the  benefit  of  creditors,   proceedings   for
reorganization,  or readjustment of Borrower or Borrower's properties,  then and
in such event,  (A) the Superior  Indebtedness  shall be paid in full before any
payment is made upon the  Subordinated  Indebtedness,  and (B) all  payments and
distributions,  of any kind or  character  and  whether  in cash,  property,  or
securities,  which  shall be  payable or  deliverable  upon or in respect of the
Subordinated  Indebtedness  shall be paid or  delivered  directly  to Lender for
application  in payment of the  amounts  then due on the  Superior  Indebtedness
until the Superior Indebtedness shall have been paid in full.

In order that Lender may establish its right to prove claims and recover for its
own account  dividends  based on the  Subordinated  Indebtedness,  Creditor does
hereby  assign all its right,  title,  and  interest  in such  claims to Lender.
Creditor further agrees to supply such information and evidence,  provide access
to and copies of such of Creditor's  records as may pertain to the  Subordinated
Indebtedness,  and  execute  such  instruments  as may be  required by Lender to
enable Lender to enforce all such claims and collect all dividends, payments, or
other   disbursements   which  may  be  made  on  account  of  the  Subordinated
Indebtedness.  For such purposes,  Creditor hereby irrevocably authorizes Lender
in its  discretion  to make and present for or on behalf of Creditor such proofs
of  claims on  account  of the  Subordinated  Indebtedness  as  Lender  may deem
expedient  and  proper  and to vote such  claims in any such  proceeding  and to
receive and collect any and all dividends, payments, or other disbursements made
thereon in whatever form the same may be paid or issued and to apply the same on
account of the Superior Indebtedness.

Should any payment,  distribution,  security, or proceeds thereof be received by
Creditor at any time on the Subordinated  Indebtedness  contrary to the terms of
this  Agreement,  Creditor  immediately  will  deliver  the  same to  Lender  in
precisely  the form  received  (except  for the  endorsement  or  assignment  of
Creditor  if  necessary),   for   application  on  or  to  secure  the  Superior
Indebtedness,  whether  it is due or not due,  and until so  delivered  the same
shall be held in trust by Creditor as property of Lender.  In the event Creditor
fails to make any such endorsement or assignment, Lender, or any of its officers
on behalf of Lender,  is hereby  irrevocably  authorized by Creditor to make the
same.

                                       1
<PAGE>
                             SUBORDINATION AGREEMENT
Loan No: 930610000                 (Continued)                            Page 2
--------------------------------------------------------------------------------

CREDITOR'S NOTES. Creditor agrees to deliver to Lender, at Lender's request, all
notes  of  Borrower  to  Creditor,   or  other  evidence  of  the   Subordinated
Indebtedness,  now held or hereafter acquired by Creditor,  while this Agreement
remains in effect. At Lender's  request,  Borrower also will execute and deliver
to  Creditor  a  promissory  note  evidencing  any book  account or claim now or
hereafter  owed by Borrower to  Creditor,  which note also shall be delivered by
Creditor to Lender.  Creditor  agrees not to sell,  assign,  pledge or otherwise
transfer any of such notes  except  subject to all the terms and  conditions  of
this Agreement.

CREDITOR'S  REPRESENTATIONS AND WARRANTIES.  Creditor represents and warrants to
Lender that: (A) no  representations or agreements of any kind have been made to
Creditor  which would  limit or qualify in any way the terms of this  Agreement;
(B) this  Agreement is executed at Borrower's  request and not at the request of
Lender;   (C)  Lender  has  made  no   representation  to  Creditor  as  to  the
creditworthiness of Borrower; and (D) Creditor has established adequate means of
obtaining from Borrower on a continuing basis information  regarding  Borrower's
financial condition. Creditor agrees to keep adequately informed from such means
of any facts,  events, or circumstances which might in any way affect Creditor's
risks under this Agreement,  and Creditor  further agrees that Lender shall have
no obligation to disclose to Creditor information or material acquired by Lender
in the course of its relationship with Borrower.

CREDITOR'S  WAIVERS.  Creditor waives any right to require Lender:  (A) to make,
extend,  renew,  or modify any loan to Borrower or to grant any other  financial
accommodations  to Borrower  whatsoever;  (B) to make any presentment,  protest,
demand,  or notice  of any  kind,  including  notice  of any  nonpayment  of the
Superior Indebtedness or of any nonpayment related to any Security Interests, or
notice of any action or nonaction on the part of Borrower,  Lender,  any surety,
endorser, or other guarantor in connection with the Superior Indebtedness, or in
connection with the creation of new or additional Superior Indebtedness;  (C) to
resort  for  payment or to  proceed  directly  or at once  against  any  person,
including  Borrower;  (D) to proceed  directly  against or exhaust any  Security
Interests  held by  Lender  from  Borrower,  any other  guarantor,  or any other
person;  (E) to pursue any other remedy within  Lender's power; or (F) to commit
any act or  omission  of any  kind,  at any time,  with  respect  to any  matter
whatsoever.

LENDER'S RIGHTS. Lender may take or omit any and all actions with respect to the
Superior  Indebtedness or any Security  Interests for the Superior  Indebtedness
without  affecting  whatsoever any of Lender's rights under this  Agreement.  In
particular,  without  limitation,  Lender  may,  without  notice  of any kind to
Creditor,  (A)  make  one or more  additional  secured  or  unsecured  loans  to
Borrower;  (B) repeatedly  alter,  compromise,  renew,  extend,  accelerate,  or
otherwise   change  the  time  for  payment  or  other  terms  of  the  Superior
Indebtedness or any part thereof,  including increases and decreases of the rate
of interest on the Superior Indebtedness;  extensions may be repeated and may be
for longer than the original loan term; (C) take and hold Security Interests for
the payment of the Superior  Indebtedness,  and exchange,  enforce,  waive,  and
release any such Security  Interests,  with or without the  substitution  of new
collateral; (D) release,  substitute,  agree not to sue, or deal with any one or
more of  Borrower's  sureties,  endorsers,  or guarantors on any terms or manner
Lender  chooses;  (E) determine  how, when and what  application of payments and
credits, shall be made on the Superior Indebtedness; (F) apply such security and
direct  the order or manner of sale  thereof,  as Lender in its  discretion  may
determine; and (G) assign this Agreement in whole or in part.

DEFAULT BY BORROWER.  If Borrower becomes insolvent or bankrupt,  this Agreement
shall remain in full force and effect.

DURATION  AND  TERMINATION.  This  Agreement  will take effect when  received-by
Lender,  without  the  necessity  of any  acceptance  by  Lender,  in writing or
otherwise,  and will remain in full force and effect until Creditor shall notify
Lender in writing at the address  shown above to the  contrary.  Any such notice
shall not affect the Superior  Indebtedness  owed Lender by Borrower at the time
of such notice,  nor shall such notice affect Superior  Indebtedness  thereafter
granted in  compliance  with a  commitment  made by Lender to Borrower  prior to
receipt  of such  notice,  nor shall  such  notice  affect  any  renewals  of or
substitutions  for  any  of  the  foregoing.   Such  notice  shall  affect  only
indebtedness  of Borrower to Lender arising after receipt of such notice and not
arising from  financial  assistance  granted by Lender to Borrower in compliance
with  Lender's  obligations  under a  commitment.  Any notes  lodged with Lender
pursuant to the section  titled  "Creditor's  Notes"  above need not be returned
until this Agreement has no further force or effect.

MISCELLANEOUS  PROVISIONS.  The following miscellaneous provisions are a part of
this Agreement:

         Amendments.  This  Agreement,  together  with  any  Related  Documents,
         constitutes the entire understanding and agreement of the parties as to
         the matters set forth in this Agreement.  No alteration of or amendment
         to this Agreement shall be effective unless given in writing and signed
         by the party or parties sought to be charged or bound by the alteration
         or amendment.

         Arbitration.  Borrower and Creditor and Lender agree that all disputes,
         claims and  controversies  between them whether  individual,  joint, or
         class in nature,  arising from this  Agreement or otherwise,  including
         without  limitation  contract and tort  disputes,  shall be  arbitrated
         pursuant to the Rules of the American Arbitration Association in effect
         at the time the claim is filed, upon request of either party. No act to
         take or dispose of any  Collateral  shall  constitute  a waiver of this
         arbitration  agreement or be prohibited by this arbitration  agreement.
         This includes,  without  limitation,  obtaining  injunctive relief or a
         temporary restraining order; invoking a power of sale under any deed of
         trust or mortgage;  obtaining a writ of  attachment  or imposition of a
         receiver;  or  exercising  any rights  relating to  personal  property,
         including taking or disposing of such property with or without judicial
         process  pursuant to Article 9 of the  'Uniform  Commercial  Code.  Any
         disputes,   claims,  or  controversies  concerning  the  lawfulness  or
         reasonableness  of any act, or exercise  of any right,  concerning  any
         Collateral, including any claim to rescind, reform, or otherwise modify
         any agreement  relating to the  Collateral,  shall also be  arbitrated,
         provided  however that no arbitrator  shall have the right or the power
         to enjoin or restrain  any act of any party.  Borrower and Creditor and
         Lender  agree that in the event of an action for  judicial  foreclosure
         pursuant to  California  Code of Civil  Procedure  Section  726, or any
         similar  provision  in any other  state,  the  commencement  of such an
         action will not  constitute a waiver of the right to arbitrate  and the
         court  shall refer to  arbitration  as much of such  action,  including
         counterclaims,  as lawfully  may be referred to  arbitration.  Judgment
         upon any award  rendered by any  arbitrator may be entered in any court
         having jurisdiction. Nothing in this Agreement shall preclude any party
         from seeking  equitable relief from a court of competent  jurisdiction.
         The  statute of  limitations,  estoppel,  waiver,  laches,  and similar
         doctrines which would otherwise be applicable in an action brought by a
         party  shall  be  applicable  in any  arbitration  proceeding,  and the
         commencement  of  an  arbitration   proceeding   shall  be  deemed  the
         commencement of an action for these purposes.  The Federal  Arbitration
         Act shall apply to the construction, interpretation, and enforcement of
         this arbitration provision.

         Attorneys'  Fees;  Expenses.  Creditor agrees to pay upon demand all of
         Lender's costs and expenses,  including  Lender's  attorneys'  fees and
         Lender's legal expenses, incurred in connection with the enforcement of
         this  Agreement.  Lender may hire or pay someone  else to help  enforce
         this  Agreement,  and Creditor shall pay the costs and expenses of such
         enforcement.  Costs and expenses include  Lender's  attorneys' fees and
         legal expenses whether or not there is a lawsuit,  including attorneys'
         fees and legal expenses for bankruptcy  proceedings  (including efforts
         to modify or vacate any automatic stay or injunction), appeals, and any
         anticipated post-judgment collection services.  Creditor also shall pay
         all court  costs and such  additional  fees as may be  directed  by the
         court.

                                       2
<PAGE>

                             SUBORDINATION AGREEMENT
Loan No: 930610000                 (Continued)                            Page 3
--------------------------------------------------------------------------------

         Authority.  The  person  who signs  this  Agreement  as or on behalf of
         Creditor  represents  and  warrants  that  he or she has  authority  to
         execute this Agreement and to subordinate the Subordinated Indebtedness
         and the Creditor's security interests in Creditor's property, if any.

         Caption   Headings.   Caption   headings  in  this  Agreement  are  for
         convenience purposes only and are not to be used to interpret or define
         the provisions of this Agreement.

         Governing   Law.  This  Agreement  will  be  governed  by  federal  law
         applicable  to Lender and, to the extent not  preempted by federal law,
         the laws of the State of California  without regard to its conflicts of
         law provisions. This Agreement has been accepted by Lender in the State
         of California.

         Choice of Venue.  If there is a lawsuit,  Creditor agrees upon Lender's
         request  to submit to the  jurisdiction  of the  courts of Los  Angeles
         County, State of California.

         Interpretation.  In all cases  where  there is more than one  Creditor,
         then all words used in this  Agreement in the singular  shall be deemed
         to have been used in the plural where the context and  construction  so
         require;  and  where  there  is more  than one  Creditor  named in this
         Agreement  or when this  Agreement  is executed  by more than one,  the
         words "Creditor" shall mean all and any one or more of them.  Reference
         to the phrase "Creditor" includes the heirs,  successors,  assigns, and
         transferees of each of them.

         Successors and Assigns.  This  Agreement  shall be understood to be for
         the benefit of Lender and for such other  person or persons as may from
         time to time  become or be the  holder or owner of any of the  Superior
         Indebtedness  or any  interest  therein,  and this  Agreement  shall be
         transferable  to the same  extent and with the same force and effect as
         any such Superior Indebtedness may be transferable.

         No Waiver by  Lender.  Lender  shall not be deemed to have  waived  any
         rights under this Agreement  unless such waiver is given in writing and
         signed  by  Lender.  No delay or  omission  on the  part of  Lender  in
         exercising  any right  shall  operate  as a waiver of such right or any
         other right. A waiver by Lender of a provision of this Agreement  shall
         not  prejudice or  constitute a waiver of Lender's  right  otherwise to
         demand strict  compliance with that provision or any other provision of
         this  Agreement.  No prior waiver by Lender,  nor any course of dealing
         between  Lender  and  Creditor,  shall  constitute  a waiver  of any of
         Lender's  rights or of any of Creditor's  obligations  as to any future
         transactions.  Whenever  the consent of Lender is  required  under this
         Agreement, the granting of such consent by Lender in any instance shall
         not constitute  continuing  consent to subsequent  instances where such
         consent is  required  and in all cases such  consent  may be granted or
         withheld in the sole discretion of Lender.

         Waive Jury. To the extent  permitted by applicable  law, all parties to
         this Agreement  hereby waive the right to any jury trial in any action,
         proceeding,  or  counterclaim  brought by any party  against  any other
         party.

DEFINITIONS.  The following capitalized words and terms shall have the following
meanings  when  used  in  this  Agreement.  Unless  specifically  stated  to the
contrary, all references to dollar amounts shall mean amounts in lawful money of
the United States of America. Words and terms used in the singular shall include
the  plural,  and the plural  shall  include  the  singular,  as the context may
require.  Words and terms not otherwise defined in this Agreement shall have the
meanings attributed to such terms in the Uniform Commercial Code:

         Agreement.  The word "Agreement" means this Subordination Agreement, as
         this  Subordination  Agreement  may be amended or modified from time to
         time,  together  with  all  exhibits  and  schedules  attached  to this
         Subordination Agreement from time to time.

         Borrower.  The word "Borrower"  means Amexdrug  Corporation;  Dermagen,
         Inc.; Biorx Pharmaceuticals,  Inc.; Royal Health Care, Inc.; and Allied
         Med Inc. and includes all co-signers and co-makers signing the Note and
         all their successors and assigns.

         Creditor. The word "Creditor" means Nora Y. Amin.

         Lender.  The word  "Lender"  means  National  Bank of  California,  its
         successors and assigns.

         Note. The word "Note" means the Note executed by Amexdrug  Corporation;
         Dermagen,  Inc.; Biorx Pharmaceuticals,  Inc.; Royal Health Care, Inc.;
         and Allied Med Inc. in the principal  amount of $250,000.00  dated June
         9, 2009,  together with all renewals of,  extensions of,  modifications
         of, refinancings of,  consolidations of, and substitutions for the note
         or credit agreement.

         Related  Documents.  The words "Related  Documents" mean all promissory
         notes, credit agreements,  loan agreements,  environmental  agreements,
         guaranties,  security agreements,  mortgages,  deeds of trust, security
         deeds, collateral mortgages, and all other instruments,  agreements and
         documents,  whether now or hereafter  existing,  executed in connection
         with the Superior Indebtedness.

         Security  Interest.   The  words  "Security   Interest"  mean,  without
         limitation,  any and all  types of  collateral  security,  present  and
         future, whether in the form of a lien, charge,  encumbrance,  mortgage,
         deed of trust, security deed, assignment,  pledge, crop pledge, chattel
         mortgage,  collateral chattel mortgage,  chattel trust,  factor's lien,
         equipment  trust,  conditional  sale,  trust  receipt,  lien  or  title
         retention contract, lease or consignment intended as a security device,
         or any other security or lien interest  whatsoever  whether  created by
         law, contract, or otherwise.

         Subordinated Indebtedness.  The words "Subordinated  Indebtedness" mean
         the  indebtedness  described  in the section of this  Agreement  titled
         "Subordinated Indebtedness".

         Superior  Indebtedness.  The  words  "Superior  Indebtedness"  mean the
         indebtedness   described  in  the  section  of  this  Agreement  titled
         "Superior Indebtedness".

                                       3
<PAGE>
                             SUBORDINATION AGREEMENT
Loan No: 930610000                 (Continued)                            Page 4
--------------------------------------------------------------------------------

BORROWER AND CREDITOR EACH  ACKNOWLEDGE  HAVING READ ALL THE  PROVISIONS OF THIS
SUBORDINATION AGREEMENT, AND BORROWER AND CREDITOR EACH AGREE TO ITS TERMS. THIS
AGREEMENT IS DATED JUNE 9, 2009.

BORROWER:

AMEXDRUG CORPORATION

By:     /s/ Jack N. Amin
   -----------------------------------
     Jack N. Amin, President/Secretary
     of Amexdrug Corporation

DERMAGEN, INC.

By:     /s/ Jack N. Amin
   -----------------------------------
     Jack N. Amin, President/Secretary
     of Dermagen, Inc.

BIORIX PHARMACEUTICALS, INC.

By:     /s/ Jack N. Amin
   -----------------------------------
     Jack N. Amin, President/Secretary
     of Biorx Pharmaceuticals, Inc.

ROYAL HEALTH CARE, INC.

By:     /s/ Jack N. Amin
   -----------------------------------
     Jack N. Amin, President/Secretary
     of Royal Health Care, Inc.

ALLIED MED INC.

By:     /s/ Jack N. Amin
   -----------------------------------
     Jack N. Amin, President/Secretary
     of Allied Med Inc.

CREDITOR:
     /s/ Nora Y. Amin
--------------------------------------
     Nora Y. Amin, Individually

                                       4

--------------------------------------------------------------------------------================================================================================

Exhibit 10.13

                             BUSINESS LOAN AGREEMENT
------------------- ----------------- ---------------- -----------------
    Principal          Loan Date         Maturity          Loan No.
   $150,000.00         06-23-2008       06-09-2009        930610000
------------------- ----------------- ---------------- -----------------

----------------- ---------------- ----------------- ----------------
  Call / Coll         Account          Officer          Initials
                                          RK             /s/ RK
----------------- ---------------- ----------------- ----------------

           References in the boxes above are for Lender's use only and
               do not limit the applicability of this document to
                   any particular loan or item. Any item above
                  containing "***" has been omitted due to text
                               length limitations.

Borrower:                                      Lender:
   Amexdrug Corporation; Dermagen, Inc.;          National Bank of California
   Biorx Pharmaceuticals, Inc.; Royal             Corporate Banking Department
   Health Care, Inc.; and Allied Med Inc.         145 South Fairfax Avenue
   8909 West Olympic Boulevard, Suite 208         Los Angeles, State CA 90036
   Beverly Hills, CA  90211

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

THIS BUSINESS LOAN AGREEMENT  dated June 23, 2008, is made and executed  between
Amexdrug Corporation; Dermagen, Inc.; Biorx Pharmaceuticals,  Inc.; Royal Health
Care,  Inc.;  and Allied Med Inc.  ("Borrower")  and National Bank of California
("Lender") on the following  terms and  conditions.  Borrower has received prior
commercial  loans from Lender or has applied to Lender for a commercial  loan or
loans or other financial accommodations,  including those which may be described
on any exhibit or schedule attached to this Agreement.  Borrower understands and
agrees that: (A) in granting, renewing, or extending any Loan, Lender is relying
upon Borrower's representations, warranties, and agreements as set forth in this
Agreement; (B) the granting, renewing, or extending of any Loan by Lender at all
times shall be subject to Lender's  sole  judgment and  discretion;  and (C) all
such Loans  shall be and  remain  subject  to the terms and  conditions  of this
Agreement.  This Agreement  shall apply to any and all present and future loans,
loan  advances,   extension  of  credit,   financial  accommodations  and  other
agreements and undertakings of every nature and kind that may be entered into by
and between Borrower and Lender now and in the future.

TERM.  This Agreement shall be effective as of June 23, 2008, and shall continue
in full force and effect until such time as all of Borrower's  loans in favor of
Lender have been paid in full, including principal,  interest,  costs, expenses,
attorneys'  fees, and other fees and charges,  or until such time as the parties
may agree in writing to terminate this Agreement.

ADVANCE  AUTHORITY.  The following  person or persons are  authorized to request
advances and authorize  payments under the line of credit until Lender  receives
from Borrower,  at Lender's address shown above, written notice of revocation of
such authority: Jack N. Amin,  President/Secretary of Amexdrug Corporation; Jack
N. Amin, President/Secretay of Dermagen, Inc.; Jack N. Amin, President/Secretary
of BioRx  Pharmaceuticals,  Inc.;  Jack N.  Amin,  President/Secretary  of Royal
Health Care, Inc.; and Jack N. Amin, President/Secretary of Allied Med Inc.

CONDITIONS  PRECEDENT TO EACH ADVANCE.  Lender's  obligation to make the initial
Advance and each subsequent Advance under this Agreement shall be subject to the
fulfillment to Lender's  satisfaction of all of the conditions set forth in this
Agreement and in the Related Documents.

         Loan  Documents.   Borrower  shall  provide  to  Lender  the  following
         documents for the Loan: (1) the Note; (2) Security  Agreements granting
         to  Lender  security   interests  in  the  Collateral;   (3)  financing
         statements  .and  all  other  documents  perfecting  Lender's  Security
         Interests; (4) evidence of insurance as required below; (5) guaranties;
         (6) together with all such Related  Documents as Lender may require for
         the Loan; all in form and substance satisfactory to Lender and Lender's
         counsel.

         Borrower's  Authorization.  Borrower  shall have  provided  in form and
         substance satisfactory to Lender properly certified  resolutions,  duly
         authorizing the execution and delivery of this Agreement,  the Note and
         the Related Documents.  In addition,  Borrower shall have provided such
         other resolutions,  authorizations, documents and instruments as Lender
         or its counsel, may require.

         Payment of Fees and  Expenses.  Borrower  shall have paid to Lender all
         fees,  charges,  and other  expenses  which are then due and payable as
         specified in this Agreement or any Related Document.

         Representations and Warranties.  The representations and warranties set
         forth in this Agreement, in the Related Documents,  and in any document
         or  certificate  delivered to Lender under this  Agreement are true and
         correct.

         No Event of Default. There shall not exist at the time of any Advance a
         condition  which  'would  constitute  an Event of  Default  under  this
         Agreement or under any Related Document.

MULTIPLE  BORROWERS.  This Agreement has been executed by multiple  obligors who
are referred to in this Agreement individually, collectively and interchangeably
as "Borrower." Unless specifically  stated to the contrary,  the word "Borrower"
as used in this Agreement,  including  without  limitation all  representations,
warranties and covenants, shall include all Borrowers.  Borrower understands and
agrees that, with or without notice to any one Borrower, Lender may (A) make one
or more  additional  secured or unsecured loans or otherwise  extend  additional
credit  with  respect  to any  other  Borrower;  {B) with  respect  to any other
Borrower alter, compromise,  renew, extend,  accelerate, or otherwise change one
or more times the time for payment or other terms of any indebtedness, including
increases  and  decreases  of the  rate of  interest  on the  indebtedness;  (C)
exchange,  enforce,  waive,  subordinate,  fail or decide  not to  perfect,  and
release any security,  with or without the  substitution of new collateral;  (D)
release,  substitute,  agree  not to  sue,  or  deal  with  any  one or  more of
Borrower's or any other Borrower's sureties,  endorsers,  or other guarantors on
any terms or in any manner Lender may choose;  (E) determine  how, when and what
application  of payments  and credits  shall be made on any  indebtedness;  -(F)
apply such  security  and direct the order or manner of sale of any  Collateral,
including  without  limitation,  any non-judicial sale permitted by the terms of
the controlling security agreement or deed of trust, as Lender in its discretion
may determine; {G) sell, transfer,  assign or grant participations in all or any
part of the Loan;  (H) exercise or refrain from  exercising  ,any rights against
Borrower or others,  or  otherwise  act or refrain  from  acting;  (I) settle or
compromise any indebtedness;  and (J) subordinate the payment of all or any part
of any of Borrower's  indebtedness  to Lender to the payment of any  liabilities
which may be due Lender or others.

REPRESENTATIONS  AND WARRANTIES.  Borrower represents and warrants to Lender, as
of the  date of this  Agreement,  as of the  date of each  disbursement  of loan
proceeds, as of the date of any renewal,  extension or modification of any Loan,
and at all times any Indebtedness exists:

         Organization.  Amexdrug  Corporation is a corporation  for profit which
         is, and at all times shall be, duly organized, validly existing, and in
         good  standing  under and by virtue of the laws of the State of Nevada.
         Amexdrug  Corporation  is duly  authorized to transact  business in all
         other states in which Amexdrug  Corporation is doing  business,  having
         obtained all necessary filings, governmental licenses and approvals for
         each  state  in  which   Amexdrug   Corporation   is  doing   business.
         Specifically,  Amexdrug Corporation is, and at all times shall be, duly
         qualified as a foreign  corporation  in all states in which the failure
         to so qualify would have a material  adverse  effect on its business or
         financial  condition.  Amexdrug  Corporation  has the  full  power  and
         authority to, own its  properties and to transact the business in which
         it is  presently  engaged or  presently  proposes  to engage.  Amexdrug
         Corporation  maintains an office at 8909 West Olympic Boulevard,  Suite
         208,  Beverly  Hills,  CA  90211.   Unless  Amexdrug   Corporation  has
         designated  otherwise in writing, the principal office is the office at
         which Amexdrug  Corporation  keeps its books and records  including its
         records  concerning the Collateral.  Amexdrug  Corporation  will notify
         Lender  prior to any change in the  location of Amexdrug  Corporation's

                                       1
<PAGE>
                             BUSINESS LOAN AGREEMENT
Loan No: 930610000                 (Continued)                            Page 2
--------------------------------------------------------------------------------

         state of  organization  or any change in Amexdrug  Corporation's  name.
         Amexdrug  Corporation  shall do all things necessary to preserve and to
         keep in full force and effect its existence, rights and privileges, and
         shall comply with all regulations, rules, ordinances,  statutes, orders
         and decrees of any  governmental  or  quasi-governmental  authority  or
         court  applicable to Amexdrug  Corporation and Amexdrug  'Corporation's
         business activities.

Dermagen,  Inc. is a corporation for profit which is, and at all times shall be,
duly organized,  validly  existing,  and in good standing under and by virtue of
the laws of the  State of  California.  Dermagen,  Inc.  is duly  authorized  to
transact business in all other states in which Dermagen, Inc. is doing business,
having obtained all necessary filings,  governmental  licenses and approvals for
each state in which Dermagen,  Inc. is doing business.  Specifically,  Dermagen,
Inc. is, and at all times shall be, duly  qualified as a foreign  corporation in
all  states in which the  failure to so  qualify  would have a material  adverse
effect on its business or financial condition. Dermagen, Inc. has the full power
and authority to own its  properties and to transact the business in which it is
presently engaged or presently proposes to engage.  Dermagen,  Inc. maintains an
office  at 2500  East  Fender  Avenue,  Suite J,  Fullerton,  CA  92831.  Unless
Dermagen,  Inc. has designated otherwise in writing, the principal office is the
office at which Dermagen, Inc. keeps its books and records including its records
concerning the Collateral. Dermagen, Inc. will notify Lender prior to any change
in the  location of  Dermagen,  Inc.'s  state of  organization  or any change in
Dermagen,  Inc.'s name. Dermagen, Inc. shall do all things necessary to preserve
and to keep in full force and effect its existence,  rights and privileges,  and
shall  comply with all  regulations,  rules,  ordinances,  statutes,  orders and
decrees of any governmental or quasi-governmental  authority or court applicable
to Dermagen, Inc. and Dermagen, Inc.'s business activities.

Biorx  Pharmaceuticals,  Inc. is a  corporation  for profit which is, and at all
times shall be, duly organized, validly existing, and in good standing under and
by virtue of the laws of the State of Nevada.  Biorx  Pharmaceuticals,  Inc.  is
duly  authorized  to  transact  business  in all  other  states  in which  Biorx
Pharmaceuticals,  Inc. is doing business, having obtained all necessary filings,
governmental   licenses   and   approvals   for  each   state  in  which   Biorx
Pharmaceuticals,  Inc. is doing business.  Specifically,  Biorx Pharmaceuticals,
Inc. is, and at all times shall be, duly  qualified as a foreign  corporation in
all  states in which the  failure to so  qualify  would have a material  adverse
effect on its business or financial condition.  Biorx Pharmaceuticals,  Inc. has
the full power and authority to own its  properties and to transact the business
in  which it is  presently  engaged  or  presently  proposes  to  engage.  Biorx
Pharmaceuticals, Inc. maintains an office at 318 North Carson #208, Carson City,
NV 89701.  Unless  Biorx  Pharmaceuticals,  Inc.  has  designated  otherwise  in
writing, the principal office is the office at which Biorx Pharmaceuticals, Inc.
keeps its books and records  including its records  concerning  the  Collateral.
Biorx  Pharmaceuticals,  Inc.  will  notify  Lender  prior to any  change in the
location of Biorx Pharmaceuticals, Inc.'s state of organization or any change in
Biorx  Pharmaceuticals,  Inc.'s name. Biorx  Pharmaceuticals,  Inc. shall do all
things necessary to preserve and to keep in full force and effect its existence,
rights and privileges, and shall comply with all regulations, rules, ordinances,
statutes, orders and decrees of any governmental or quasi-governmental authority
or court applicable to Biorx  Pharmaceuticals,  Inc. and Biorx  Pharmaceuticals,
Inc.'s business activities.

Royal Health Care,  Inc. is a corporation  for profit which is, and at all times
shall be, duly organized,  validly  existing,  and in good standing under and by
virtue of the laws of the State of  Nevada.  Royal  Health  Care,  Inc.  is duly
authorized to transact  business in all other states in which Royal Health Care,
Inc. is doing  business,  having  obtained all necessary  filings,  governmental
licenses and approvals for each state in which Royal Health Care,  Inc. is doing
business.  Specifically,  Royal Health Care, Inc. is, and at all times shall be,
duly qualified as a foreign corporation in all states in which the failure to so
qualify  would have a  material  adverse  effect on its  business  or  financial
condition.  Royal Health Care,  Inc. has the full power and authority to own its
properties  and to transact  the  business in which it is  presently  engaged or
presently proposes to engage. Royal Health Care, Inc. maintains an office at 318
North Carson #208,  Carson City,  NV 89701.  Unless Royal Health Care,  Inc. has
designated  otherwise in writing,  the  principal  office is the office at which
Royal  Health  Care,  Inc.  keeps its books and  records  including  its records
concerning the  Collateral.  Royal Health Care, Inc. will notify Lender prior to
any change in the location of Royal Health Care, Inc.'s state of organization or
any change in Royal Health Care,  Inc.'s name.  Royal Health Care, Inc. shall do
all  things  necessary  to  preserve  and to keep in full  force and  effect its
existence, rights and privileges, and shall comply with all regulations,  rules,
ordinances,    statutes,   orders   and   decrees   of   any   governmental   or
quasi-governmental  authority or court applicable to Royal Health Care, Inc. and
Royal Health Care, Inc.'s business activities.

Allied Med Inc. is a corporation for profit which is, and at all times shall be,
duly organized,  validly  existing,  and in good standing under and by virtue of
the laws of the State of Oregon.  Allied Med Inc. is duly authorized to transact
business in all other states in which Allied Med Inc. is doing business,  having
obtained all  necessary  filings,  governmental  licenses and approvals for each
state in which Allied Med Inc. is doing business. Specifically,  Allied Med Inc.
is, and at all times shall be, duly  qualified as a foreign  corporation  in all
states in which the failure to so qualify would have a material  adverse  effect
on its business or financial  condition.  Allied Med Inc. has the full power and
authority  to own its  properties  and to transact  the  business in which it is
presently engaged or presently proposes to engage.  Allied Med Inc. maintains an
office at 6312 SW Capitol Highway #226,  Portland,  OR 97201.  Unless Allied Med
Inc. has designated  otherwise in writing, the principal office is the office at
which  Allied  Med Inc.  keeps its  books  and  records  including  its  records
concerning  the  Collateral.  Allied Med Inc.  will notify  Lender  prior to any
change in the location of Allied Med Inc.'s state of  organization or any change
in Allied Med Inc.'s  name.  Allied Med Inc.  shall do all things  necessary  to
preserve  and to keep  in full  force  and  effect  its  existence,  rights  and
privileges, and shall comply with all regulations, rules, ordinances,  statutes,
orders and decrees of any governmental or quasi-governmental  authority or court
applicable to Allied Med Inc. and Allied Med Inc.'s business activities.

Assumed Business Names.  Borrower has filed or recorded all documents or filings
required  by law  relating  to all  assumed  business  names  used by  Borrower.
Excluding the name of Borrower,  the following is a complete list of all assumed
business names under which Borrower does business: None.

Authorization. Borrower's execution, delivery, and performance of this Agreement
and all the Related  Documents have been duly authorized by all necessary action
by  Borrower,  do not  require  the  consent or  approval  of any other  person,
regulatory authority,  or governmental body, and do not conflict with, result in
a  violation  of,  or  constitute  a  default  under  (1) any  provision  of (a)
Borrower's  articles of  incorporation or  organization,  or bylaws,  or (b) any
agreement or other instrument binding upon Borrower or (2) any law, governmental
regulation,  court  decree,  or order  applicable  to Borrower or to  Borrower's
properties.  Borrower has the power and authority to enter into the Note and the
Related Documents and to grant collateral as security for the Loan. Borrower has
the further power and authority to own and to hold all of Borrower's  assets and
properties, and to -carry on Borrower's business as presently conducted.

Financial  Information.  Each of  Borrower's  financial  statements  supplied to
Lender truly and completely  disclosed  Borrower's financial condition as of the
date of the  statement,  and  there  has  been no  material  adverse  change  in
Borrower's  financial  condition  subsequent  to the  date  of the  most  recent
financial  statement  supplied to Lender.  Borrower  has no material  contingent
obligations except as disclosed in such financial statements.

Legal  Effect.  This  Agreement  constitutes,  and any  instrument  or agreement
Borrower is required to give under this Agreement when delivered will constitute
legal, valid, and binding obligations of Borrower  enforceable against .Borrower
in accordance with their respective terms.

Properties.  Except as contemplated by this Agreement or as previously disclosed
in  Borrower's  financial  statements or in writing to Lender and as accepted by
Lender,  and  except  for  property  tax liens for taxes not  presently  due and
payable,  Borrower owns and has good title to all of Borrower's  properties free
and clear of all Security Interests, and has not executed any security documents
or  financing  statements  relating  to  such  properties.   All  of  Borrower's
properties  are titled in  Borrower's  legal name,  and Borrower has not used or
filed a financing  statement under any other name for at least the last five (5)
years.

                                       2
<PAGE>

                             BUSINESS LOAN AGREEMENT
Loan No: 930610000                 (Continued)                            Page 3
--------------------------------------------------------------------------------

Hazardous  Substances.  Except as  disclosed  to and  acknowledged  by Lender in
writing,  Borrower  represents  and  warrants  that:  (1)  During  the period of
Borrower's  ownership  of the  Collateral,  there  has been no use,  generation,
manufacture,  storage, treatment, disposal, release or threatened release of any
Hazardous  Substance  by  any  person  on,  under,  about  or  from  any  of the
Collateral.  (2) Borrower  has no knowledge  of, or reason to believe that there
has been (a) any breach or violation  of any  Environmental  Laws;  (b) any use,
generation,  manufacture,  storage,  treatment,  disposal, release or threatened
release of any Hazardous  Substance on, under,  about or from the  Collateral by
any prior  owners or occupants  of any of the  Collateral;  or (c) any actual or
threatened  litigation  or claims  of any kind by any  person  relating  to such
matters.  (3)  Neither  Borrower  nor any  tenant,  contractor,  agent  or other
authorized  user of any of the  Collateral  shall  use,  generate,  manufacture,
store, treat,  dispose of or release any Hazardous Substance on, under, about or
from  any of the  Collateral;  and any  such  activity  shall  be  conducted  in
compliance with all applicable federal, state, and local laws, regulations,  and
ordinances,  including  without  limitation  all  Environmental  Laws.  Borrower
authorizes  Lender  and its  agents to enter  upon the  Collateral  to make such
inspections and tests as Lender may deem appropriate to determine  compliance of
the Collateral with this section of the Agreement. Any inspections or tests made
by Lender  shall be at  Borrower's  expense and for Lender's  purposes  only and
shall not be construed to create any  responsibility or liability on the part of
Lender to Borrower or to any other person.  The  representations  and warranties
contained  herein are based on  Borrower's  due diligence in  investigating  the
Collateral for hazardous  waste and Hazardous  Substances.  Borrower  hereby (1)
releases  and  waives  any  future  claims   against  Lender  for  indemnity  or
contribution  in the event  Borrower  becomes  liable for cleanup or other costs
under any such laws,  and (2) agrees to  indemnify,  defend,  and hold  harmless
Lender against any and all claims, losses, liabilities,  damages, penalties; and
expenses  which Lender may directly or  indirectly  sustain or suffer  resulting
from a breach of this section of the Agreement or as a  consequence  of any use,
generation,  manufacture,  storage, disposal, release or threatened release of a
hazardous waste or substance on the  Collateral.  The provisions of this section
of the  Agreement,  including  the  obligation  to indemnify  and defend,  shall
survive the  payment of the  Indebtedness  and the  termination,  expiration  or
satisfaction of this Agreement and shall not be affected by Lender's acquisition
of any interest in any of the Collateral, whether by foreclosure or otherwise.

Litigation  and Claims.  No  litigation,  claim,  investigation,  administrative
proceeding or similar action {including those for unpaid taxes) against Borrower
is pending or  threatened,  and no other event has occurred which may materially
adversely  affect  Borrower's  financial  condition  or  properties,  other than
litigation,  claims,  or other events,.  if any, that have been disclosed to and
acknowledged by Lender in writing.

Taxes.  To the best of Borrower's  knowledge,  all of Borrower's tax returns and
reports that are or were required to be filed,  have been filed,  and all taxes,
assessments and other governmental  charges have been paid in full, except those
presently  being or to be  contested  by Borrower in good faith in the  ordinary
course of business and for which adequate reserves have been provided.

Lien  Priority.  Unless  otherwise  previously  disclosed  to Lender in writing,
Borrower has not entered into or granted any Security  Agreements,  or permitted
the filing or  attachment  of any Security  Interests on or affecting any of the
Collateral  directly or indirectly  securing  repayment of  Borrower's  Loan and
Note,  that  would  be  prior or that  may in any way be  superior  to  Lender's
Security Interests and rights in and to such Collateral.

Binding Effect. This Agreement,  the Note, all Security Agreements (if any), and
all Related  Documents  are binding  upon the signers  thereof,  as well as upon
their successors,  representatives  and assigns,  and are legally enforceable in
accordance with their respective terms.

Commercial  Purposes.  Borrower  intends  to use the Loan  proceeds  solely  for
business or commercially related purposes.

Employee Benefit Plans. Each employee benefit plan as to which Borrower may have
any liability complies in all material respects with all applicable requirements
of law and regulations,  and (1) no Reportable Event nor Prohibited  Transaction
{as defined in ERISA) has occurred  with respect to any such plan,  (2) Borrower
has not withdrawn  from any such plan or initiated  steps to do so, (3) no steps
have been taken to terminate any such plan or to appoint a trustee to administer
such a plan,  and  14)  there  are no  unfunded  liabilities  other  than  those
previously disclosed to Lender in writing.

Investment  Company Act.  Borrower is not an  "investment  company" or a company
"controlled"  by an "investment  company",  within the meaning of the Investment
Company Act of 1940, as amended.

Public Utility Holding Company Act.  Borrower is not a "holding  company",  or a
"subsidiary  company" of a "holding  company",  or an  "affiliate" of a "holding
company" or of a "subsidiary company" of a "holding company", within the meaning
of the Public Utility Holding Company Act of 1935, as amended.

Regulations  T and U.  Borrower  is not  engaged  principally,  or as one of its
important  activities,  in the business of  extending  credit for the purpose of
purchasing or carrying  margin stock {within the meaning of  Regulations T and U
of the Board of Governors of the federal Reserve System).

Information.  All  information  previously  furnished  or  which  is  now  being
furnished by Borrower to Lender for the purposes of or in  connection  with this
Agreement  or any  transaction  contemplated  by  this  Agreement  is,  and  all
information  furnished  by or on behalf of Borrower to Lender in the future will
be,  true and  accurate in every  material  respect on the date as of which such
information  is  dated  or  certified;  and no  such  information  is or will be
incomplete  by omitting to state any  material  fact the omission of which would
cause the information to be misleading.

Claims and Defenses.  There are no defenses or  counterclaims,  offsets or other
adverse  claims,  demands or actions of any kind,  personal or  otherwise,  that
Borrower,  any Grantor,  or any Guarantor could assert with respect to the Note,
Loan, this Agreement, or the Related Documents.

AFFIRMATIVE  COVENANTS.  Borrower covenants and agrees with Lender that, so long
as this Agreement remains in effect, Borrower will: Repayment. Repay the Loan in
accordance with its terms and the terms of this Agreement.

Notices of Claims and  Litigation.  Promptly inform Lender in writing of (1) all
material adverse changes in Borrower's financial condition, and (2) all existing
and  all   threatened   litigation,   claims,   investigations,   administrative
proceedings or similar actions  affecting  Borrower or any Guarantor which could
materially affect the financial condition of Borrower or the financial condition
of any Guarantor. In addition, Borrower shall provide Lender with written notice
of the  occurrence of any Event of Default,  the  occurrence  of any  Reportable
Event under,  or the  institution  of steps by Borrower to withdraw from, or the
institution  of any steps to  terminate,  any employee  benefit plan as to which
Borrower may have any liability.

Financial  Records.  Maintain  its books and  records in  accordance  with GAAP,
applied on a consistent basis, and permit Lender to examine and audit Borrower's
books and records at all reasonable times.

Financial Statements. Furnish Lender with the following:

                                       3
<PAGE>
                             BUSINESS LOAN AGREEMENT
Loan No: 930610000                 (Continued)                            Page 4
--------------------------------------------------------------------------------

         Annual  Statements.  As soon as  available,  but in no event later than
         ninety (90) days after the end of each fiscal year,  Borrower's balance
         sheet and income statement for the year ended, prepared by Borrower.

         Tax Returns.  As soon as  available,  but in no event later than thirty
         (30) days after the applicable filing date for the tax reporting period
         ended,  Federal  and  other  governmental  tax  returns,   prepared  by
         Borrower.

         Additional Requirements.
         Guarantor Financial Requirements: Furnish Lender with the following:

         Annual  Statements.  As soon as  available, but in no event  later than
         ninety  (90) days  after  the end  of each  year, Guarantors' financial
         statement.

         Guarantor Tax Returns. As soon as available, but in no event later than
         thirty (30) days after the applicable filing date for the tax reporting
         period ended,  Federal and other governmental tax returns,  prepared by
         Guarantor.

All financial  reports  required to be provided  under this  Agreement  shall be
prepared in accordance with GAAP,  applied on a consistent  basis, and certified
by Borrower as being true and correct.

Additional Information.  Furnish such additional information and statements,  as
Lender may request from time to time.

Financial Covenants and Ratios.  Comply with the following covenants and ratios:
Additional  Requirements.  Borrower shall maintain its primary  business account
with Lender.

         Additional Requirements.  Borrower shall maintain  its primary business
         account with Lender.

         Except as provided above, all computations made to determine compliance
         with the  requirements  contained  in this  paragraph  shall be made in
         accordance with generally accepted accounting principles,  applied on a
         consistent basis, and certified by Borrower as being true and correct.

Insurance.  Maintain fire and other risk insurance,  public liability insurance,
and such  other  insurance  as Lender may  require  with  respect to  Borrower's
properties  and  operations,  in form,  amounts,  coverages  and with  insurance
companies acceptable to Lender.  Borrower,  upon request of Lender, will deliver
to Lender from time to time the  policies or  certificates  of insurance in form
satisfactory  to  Lender,  including  stipulations  that  coverages  will not be
cancelled or diminished  without at least ten (10) days prior written  notice to
Lender.  Each insurance policy also shall include an endorsement  providing that
coverage in favor of Lender will not be impaired in any way by any act, omission
or default of Borrower or any other  person.  in  connection  with all  policies
covering assets in which Lender holds or is offered a security  interest for the
Loans,  Borrower  will provide  Lender with such  lender's loss payable or other
endorsements as Lender may require.

Insurance Reports.  Furnish to Lender,  upon request of Lender,  reports on each
existing  insurance  policy  showing such  information  as Lender may reasonably
request,  including  without  limitation  the  following:  (1)  the  name of the
insurer;  (2)  the  risks  insured;  -(3)  the  amount  of the  policy;  (4) the
properties  insured;  (5) the then current property values on the basis of which
insurance has been obtained, and the manner of determining those values; and (6)
the expiration date of the policy. In addition,  upon request of Lender (however
not more often  than  annually),  Borrower  will have an  independent  appraiser
satisfactory  to Lender  determine,  as  applicable,  the  actual  cash value or
replacement cost of any Collateral.  The cost of such appraisal shall be paid by
Borrower.

Guaranties.  Prior  to  disbursement  of any  Loan  proceeds,  furnish  executed
guaranties  of the Loans in favor of Lender,  executed by the  guarantors  named
below, on Lender's forms,  and in the amounts and under the conditions set forth
in those guaranties.

         Names of Guarantors                           Amounts
         -------------------                           -------
         Jack N. Amin                                  Unlimited.
         Nora Y. Amin                                  Unlimited

Other Agreements.  Comply with all terms and conditions of all other agreements,
whether now or  hereafter  existing,  between  Borrower  and any other party and
notify Lender immediately in writing of any default in connection with any other
such agreements.

Loan Proceeds.  Use all Loan proceeds solely for Borrower's business operations,
unless specifically consented to the contrary by Lender in writing.

Taxes, Charges and Liens. Pay and discharge when due all of its indebtedness and
obligations,  including without limitation all assessments,  taxes, governmental
charges,  levies and liens,  of every kind and nature,  imposed upon Borrower or
its properties,  income, or profits,  prior to the date on which penalties would
attach,  and all lawful  claims that,  if unpaid,  might become a lien or charge
upon  any of  Borrower's  properties,  income,  or  profits.  Provided  however,
Borrower  will not be required to pay and discharge  any such  assessment,  tax,
charge,  levy,  lien or claim so long as (1) the  legality  of the same shall be
contested in good faith by appropriate proceedings,  and (2) Borrower shall have
established on Borrower's books adequate reserves with respect to such contested
assessment, tax, charge, levy, lien, or claim in accordance with GAAP.

Performance. Perform and comply, in a timely manner, with all terms, conditions,
and provisions set forth in this Agreement, in the Related Documents, and in all
other instruments and agreements  between Borrower and tender,  and in all other
loan  agreements now or in the future  existing  between  Borrower and any other
party.  Borrower  shall notify Lender  immediately  in writing of any default in
connection with any agreement.

Operations.  Maintain executive and management  personnel with substantially the
same  qualifications  and  experience as the present  executive  and  management
personnel;  provide  written  notice to Lender of any  change in  executive  and
management  personnel;  conduct its business affairs in a reasonable and prudent
manner.

Environmental Studies. Promptly conduct and complete, at Borrower's expense, all
such  investigations,  studies,  samplings  and  testings as may be requested by
Lender or any governmental authority relative to any substance,  or any waste or
by-product  of any  substance  defined as toxic or a hazardous  substance  under
applicable federal,  state, or local law, rule, regulation,  order or directive,
at or affecting any property or any facility owned, leased or used by Borrower.

                                       4
<PAGE>
                             BUSINESS LOAN AGREEMENT
Loan No: 930610000                 (Continued)                            Page 5
--------------------------------------------------------------------------------

Compliance with Governmental Requirements. Comply with all laws, ordinances, and
regulations,  now  or  hereafter  in  effect,  of all  governmental  authorities
applicable to the conduct of Borrower's  properties,  businesses and operations,
and to the use or occupancy of the Collateral, including without limitation, the
Americans  With  Disabilities  Act.  Borrower may contest in good faith any such
law,  ordinance,  or regulation and withhold  compliance  during any proceeding,
including  appropriate  appeals,  so long as  Borrower  has  notified  Lender in
writing  prior to doing so and so long as, in Lender's  sole  opinion,  Lender's
interests in the Collateral are not jeopardized.  Lender may require Borrower to
post adequate security or a surety bond,  reasonably  satisfactory to tender, to
protect Lender's interest.

Inspection.  Permit  employees  or agents of  Lender at any  reasonable  time to
inspect  any and all  Collateral  for the Loan or  Loans  and  Borrower's  other
properties and to examine or audit Borrower's books,  accounts,  and records and
to make copies and  memoranda of Borrower's  books,  accounts,  and records.  If
Borrower now or at any time hereafter  maintains any records  (including without
limitation  computer  generated  records and computer  software programs for the
generation of such records) in the possession of a third party,

         Borrower,  upon  request of Lender,  shall  notify such party to permit
         Lender  free  access to such  records  at all  reasonable  times and to
         produce  Lender  with  copies of any  records  it may  request,  all at
         Borrower's expense.

         Change  of  Location.  Immediately  notify  Lender  in  writing  of any
         additions to or changes in the location of Borrower's businesses.

         Title to Assets and Property. Maintain good and marketable title to all
         of Borrower's assets and properties.

         Notice  of  Default,  Litigation  and  ERISA  Matters.  Forthwith  upon
         learning of the  occurrence  of any of the  following,  Borrower  shall
         provide Lender with written notice thereof, describing the same and the
         steps being taken by Borrower with respect thereto:  (1) the occurrence
         of any Event of  Default,  or (2) the  institution  of, or any  adverse
         determination   in,   any   litigation,   arbitration   proceeding   or
         governmental  proceeding,  or (3) the occurrence of a Reportable  Event
         under, or the institution of steps by Borrower to withdraw from, or the
         institution of any steps to terminate,  any employee benefit plan as to
         which Borrower may have any liability.

         Other Information.  From time to time Borrower will provide Lender with
         such other information as Lender may reasonably request.

         Employee  Benefit Plans.  So long as this Agreement  remains in effect,
         Borrower will maintain each employee  benefit plan as to which Borrower
         may have any liability,  in compliance with all applicable requirements
         of law and regulations.

         Environmental  Compliance  and  Reports.  Borrower  shall comply in all
         respects with any and all  Environmental  Laws;  not cause or permit to
         exist,  as a  result  of an  intentional  or  unintentional  action  or
         omission  on  Borrower's  part or on the part of any  third  party,  on
         property owned and/or occupied by Borrower,  any environmental activity
         where damage may result to the environment,  unless such  environmental
         activity is  pursuant to and in  compliance  with the  conditions  of a
         permit issued by the appropriate  federal,  state or local governmental
         authorities;  shall furnish to Lender  promptly and in any event within
         thirty (30) days after receipt  thereof a copy of any notice,  summons,
         lien,  citation,  directive,  letter  or other  communication  from any
         governmental  agency or  instrumentality  concerning any intentional or
         unintentional  action or omission on Borrower's part in connection with
         any  environmental  activity  whether  or not  there is  damage  to the
         environment and/or other natural resources.

         Additional  Assurances.  Make,  execute  and  deliver  to  Lender  such
         promissory  notes,  mortgages,  deeds of  trust,  security  agreements,
         assignments,  financing  statements,  instruments,  documents and other
         agreements  as  Lender  or its  attorneys  may  reasonably  request  to
         evidence and secure the Loans and to perfect all Security Interests.

RECOVERY OF  ADDITIONAL  COSTS.  If the  imposition of or any change in any law,
rule,  regulation or guideline,  or the  interpretation  or  application  of any
thereof by any court or administrative or governmental  authority (including any
request or policy not  having  the force of law)  shall  impose,  modify or make
applicable any taxes (except  federal,  state or local income or franchise taxes
imposed on Lender), reserve requirements, capital adequacy requirements or other
obligations  which  would (A)  increase  the cost to  Lender  for  extending  or
maintaining the credit  facilities to which this Agreement  relates,  (B) reduce
the amounts payable to Lender under this Agreement or the Related Documents,  or
(C) reduce the rate of return on Lender's  capital as a consequence  of Lender's
obligations  with  -respect  to the credit  facilities  to which this  Agreement
relates,  then  Borrower  agrees to pay Lender such  additional  amounts as will
compensate  Lender therefor,  within five (5) days after Lender's written demand
for such payment,  which demand shall be  accompanied  by an explanation of such
imposition or charge and a calculation  in reasonable  detail of the  additional
amounts  payable  by  Borrower,  which  explanation  and  calculations  shall be
conclusive in the absence of manifest error.

LENDER'S  EXPENDITURES.  If any action or  proceeding  is  commenced  that would
materially  affect  Lender's  interest in the Collateral or if Borrower fails to
comply with any provision of this Agreement or any Related Documents,  including
but not limited to  Borrower's  failure to discharge or pay when due any amounts
Borrower is required to  discharge  or pay under this  Agreement  or any Related
Documents,  Lender on Borrower's behalf may (but shall not be obligated to) take
any  action  that  Lender  deems  appropriate,  including  but  not  limited  to
discharging or paying all taxes,  liens,  security  interests,  encumbrances and
other  claims,  at any time  levied or placed on any  Collateral  and paying all
costs  for  insuring,  maintaining  and  preserving  any  Collateral.  All  such
expenditures  incurred  or paid by  Lender  for such  purposes  will  then  bear
interest at the rate  charged  under the Note from the date  incurred or paid by
Lender to the date of  repayment by Borrower.  All such  expenses  will become a
part of the Indebtedness and, at Lender's option, will (A) be payable on demand;
(B) be added to the balance of the Note and be apportioned  among and be payable
with any  installment  payments to become due during  either (1) the term of any
applicable  insurance  policy;  or (2) the remaining term of the Note; or (C) be
treated  as a  balloon  payment  which  will be due and  payable  at the  Note's
maturity.

NEGATIVE  COVENANTS.  Borrower  covenants and agrees with Lender that while this
Agreement is in effect, Borrower shall not, without the prior written consent of
Lender:

         Indebtedness  and Liens.  (1) Except  for trade  debt  incurred  in the
         normal course of business and  indebtedness  to Lender  contemplated by
         this  Agreement,  create,  incur or assume  indebtedness  for  borrowed
         money, including capital leases, (2) sell, transfer,  mortgage, assign,
         pledge,  lease,  grant a  security  interest  in,  or  encumber  any of
         Borrower's  assets (except as allowed as Permitted  Liens),  or 3) sell
         with recourse any of Borrower's accounts, except to Lender.

         Continuity  of  Operations.  (1)  Engage  in  any  business  activities
         substantially  different  than  those in which  Borrower  is  presently
         engaged, (2) cease operations,  liquidate,  merge, transfer, acquire or
         consolidate  with any  other  entity,  change  its  name,  dissolve  or
         transfer or sell Collateral out of the ordinary course of business,  or
         (3) pay any dividends on Borrower's stock (other than dividends payable
         in its stock),  provided,  however that  notwithstanding the foregoing,
         but only so long as no Event of Default has occurred and is  continuing
         or would  result  from the  payment  of  dividends,  if  Borrower  is a
         "Subchapter S Corporation"  (as defined in the Internal Revenue Code of
         1986, as amended),  Borrower may pay cash dividends on its stock to its

                                       5
<PAGE>
                             BUSINESS LOAN AGREEMENT
Loan No: 930610000                 (Continued)                            Page 6

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

         shareholders  from time to time in  amounts  necessary  to  enable  the
         shareholders to pay income taxes and make estimated income tax payments
         to satisfy  their  liabilities  under federal and state law which arise
         solely from their status as  Shareholders of a Subchapter S Corporation
         because of their  ownership of shares of Borrower's  stock, or purchase
         or  retire  any of  Borrower's  outstanding  shares  or  alter or amend
         Borrower's capital structure.

         Loans,  Acquisitions  and  Guaranties.  (1) Loan,  invest in or advance
         money or  assets  to any  other  person,  enterprise  or  entity,  o(2)
         purchase,  create or acquire any  interest in any other  enterprise  or
         entity, or 3) incur any obligation as surety or guarantor other than in
         the ordinary course of business.

         Agreements.  Borrower will not enter into any agreement  containing any
         provisions  which would be violated or breached by the  performance  of
         Borrower's obligations under this Agreement or in connection herewith.

CESSATION OF  ADVANCES.  If Lender has made any  commitment  to make any Loan to
Borrower,  whether  under this  Agreement or under any other  agreement,  Lender
shall have no  obligation to make Loan Advances or to disburse Loan proceeds if:
(A) Borrower or any Guarantor is in default under the terms of this Agreement or
any of the  Related  Documents  or any  other  agreement  that  Borrower  or any
Guarantor  has  with  Lender;  (B)  Borrower  or  any  Guarantor  dies,  becomes
incompetent  or becomes  insolvent,  files a petition in  bankruptcy  or similar
proceedings,  or is adjudged a  bankrupt;  (C) there  occurs a material  adverse
change in Borrower's  financial  condition,  in the  financial  condition of any
Guarantor,  or in the value of any  Collateral  securing  any  Loan;  or (D) any
Guarantor seeks,  claims or otherwise  attempts to limit,  modify or revoke such
Guarantor's guaranty of the Loan or any other loan with Lender; or (E) Lender in
good faith deems  itself  insecure,  even though no Event of Default  shall have
occurred.

RIGHT OF SETOFF.  To the extent  permitted by applicable  .aw, Lender reserves a
right of  setoff in all  Borrower's  accounts  with  Lender  (whether  checking;
savings  savings,  or some other account).  This includes all accounts  Borrower
holds  jointly  with  someone  else and all  accounts  Borrower  may open in the
future.  However,  this does not include any IRA or Keogh accounts, or any trust
accounts  for which  setoff  would be  prohibited  by law.  Borrower  authorizes
Lender,  to the extent permitted by applicable law, to charge or setoff all sums
owing on the Indebtedness against any and all such accounts.

DEFAULT. Each of the following shall constitute  an Event of Default  under this
Agreement:

         Payment Default.  Borrower fails to make any payment when due under the
         Loan.

         Other  Defaults.  Borrower fails to comply with or to perform any other
         term, obligation,  covenant or condition contained in this Agreement or
         in any of the  Related  Documents  or to comply  with or to perform any
         term,  obligation,   covenant  or  condition  contained  in  any  other
         agreement between Lender and Borrower.

         Default in Favor of Third  Parties.  Borrower or any  Grantor  defaults
         under any loan,  extension of credit,  security agreement,  purchase or
         sales agreement, or any other agreement, in favor of any other creditor
         or person that may materially affect any of Borrower's or any Grantor's
         property or Borrower's  or any Grantor's  ability to repay the Loans or
         perform their respective obligations under this Agreement or any of the
         Related Documents.

         False  Statements.  Any warranty,  representation  or statement made or
         furnished  to Lender by Borrower or on  Borrower's  behalf,  or made by
         Guarantor,  under this Agreement or the Related Documents in connection
         with the  obtaining  of the Loan  evidenced by the Note or any security
         document directly or indirectly securing repayment of the Note is false
         or misleading in any material  respect,  either now or at the time made
         or furnished or becomes false or misleading at any time thereafter.

         Insolvency. The dissolution or termination of Borrower's existence as a
         going  business,  the  insolvency  of Borrower,  the  appointment  of a
         receiver for any part of Borrower's  property,  any  assignment for the
         benefit of creditors, any type of creditor workout, or the commencement
         of any proceeding under any bankruptcy or insolvency laws by or against
         Borrower.

         Defective  Collateralization.  This  Agreement  or any  of the  Related
         Documents ceases to be in full force and effect  (including  failure of
         any  collateral  document  to  create a valid  and  perfected  security
         interest or lien) at any time and for any reason.

         Creditor or Forfeiture  Proceedings.  Commencement  of  foreclosure  or
         forfeiture  proceedings,  whether by  judicial  proceeding,  self-help,
         repossession or any other method, by any creditor of Borrower or by any
         governmental  agency  against any  collateral  securing the Loan.  This
         includes a garnishment of any of Borrower's accounts, including deposit
         accounts,  with Lender.  However, this Event of Default shall not apply
         if there is a good faith  dispute by  Borrower  as to the  validity  or
         reasonableness  of the  claim  which is the  basis of the  creditor  or
         forfeiture  proceeding  and if Borrower  gives Lender written notice of
         the creditor or forfeiture  proceeding  and deposits with Lender monies
         or a surety  bond for the  creditor  or  forfeiture  proceeding,  in an
         amount  determined  by  Lender,  in its  sole  discretion,  as being an
         adequate reserve or bond for the dispute.

         Execution;  Attachment.  Any execution or attachment is levied  against
         the  Collateral,  and such  execution or  attachment  is not set aside,
         discharged or stayed within thirty 130) days after the same is levied.

         Change  in  Zoning  or Public  Restriction.  Any  change in any  zoning
         ordinance or  regulation  or any other public  restriction  is enacted,
         adopted or  implemented,  that  limits or defines the uses which may be
         made of the  Collateral  such that the present or  intended  use of the
         Collateral,  as  specified  in  the  Related  Documents,  would  be  in
         violation of such zoning ordinance or regulation or public restriction,
         as changed.

         Default Under Other Lien  Documents.  A default  occurs under any other
         mortgage,  deed of  trust or  security  agreement  covering  all or any
         portion of the Collateral.

         Judgment.  Unless  adequately  covered by  insurance  in the opinion of
         Lender,  the  entry  of a final  judgment  for  the  payment  of  money
         involving more than ten thousand dollars  ($10,000.00) against Borrower
         and the failure by Borrower to  discharge  the same,  or cause it to be
         discharged, or bonded off to Lender's satisfaction,  within thirty (30)
         days  from the dated  the  order,  decree  or  process  under  which or
         pursuant to which such judgment was entered.

         Events  Affecting  Guarantor.  Any of the preceding  events occurs with
         respect to any  Guarantor of any of the  Indebtedness  or any Guarantor
         dies or becomes incompetent, or revokes or disputes the validity of, or
         liability under, any Guaranty of the Indebtedness.

         Change in  Ownership.  Any change in ownership of  twenty-five  percent
         (25%) or more of the common stock of Borrower.

                                       6
<PAGE>

                             BUSINESS LOAN AGREEMENT
Loan No: 930610000                 (Continued)                            Page 7
--------------------------------------------------------------------------------

         Adverse  Change.   A  material  adverse  change  occurs  in  Borrower's
         financial  condition,  or Lender  believes  the  prospect of payment or
         performance of the Loan is impaired.

         Insecurity. Lender in good faith believes itself insecure.

         Right to Cure. If any default, other than a default on Indebtedness, is
         curable and if  Borrower  or Grantor,  as the case may be, has not been
         given a notice of a similar  default  within the preceding  twelve (12)
         months,  it may be cured if Borrower  or  Grantor,  as the case may be,
         after  receiving  written  notice  from Lender  demanding  cure of such
         default:  (1) cure the default  within fifteen (15) days; or (2) if the
         cure requires more than fifteen (15) days,  immediately  initiate steps
         which Lender deems in Lender's sole discretion to be sufficient to cure
         the default and  thereafter  continue and complete all  reasonable  and
         necessary steps sufficient to produce  compliance as soon as reasonably
         practical.

EFFECT OF AN EVENT OF DEFAULT. If any Event of Default shall occur, except where
otherwise provided in this Agreement or the Related  Documents,  all commitments
and  obligations of Lender under this Agreement or the Related  Documents or any
other  agreement  immediately  will terminate  (including any obligation to make
further  Loan  Advances  or   disbursements),   and,  at  Lender's  option,  all
Indebtedness  immediately will become due and payable, all without notice of any
kind to  Borrower,  except  that in the case of an Event of  Default of the type
described in the  "Insolvency"  subsection  above,  such  acceleration  shall be
automatic  and not optional.  In addition,  Lender shall have all the rights and
remedies  provided in the Related  Documents or available at law, in equity,  or
otherwise. Except as may be prohibited by applicable law, all of Lender's rights
and  remedies   shall  be  cumulative   and  may  be  exercised   singularly  or
concurrently.  Election by Lender to pursue any remedy shall not exclude pursuit
of any other remedy,  and an election to make  expenditures or to take action to
perform an obligation  of Borrower or of any Grantor  shall not affect  Lender's
right to declare a default and to .exercise its rights and remedies.

ADDITIONAL DOCUMENTS. Borrower  shall  provide   Lender   with   the   following
additional documents:

         Corporate Resolution. Amexdrug Corporation has provided or will provide
         Lender  with a  certified  copy  of  resolutions  properly  adopted  by
         Amexdrug  Corporation's  Board of Directors,  and certified by Amexdrug
         Corporation's  corporate  secretary,   assistant  secretary,  or  other
         authorized  officer,   under  which  Amexdrug  Corporation's  Board  of
         Directors  authorized one or more  designated  officers or employees to
         execute this  Agreement,  the Note and any and all Security  Agreements
         directly  or  indirectly   securing  repayment  of  the  same,  and  to
         consummate the borrowings and other  transactions as contemplated under
         this Agreement, and to consent to the remedies following any default by
         Amexdrug  Corporation as provided in this Agreement and in any Security
         Agreements.

         Corporate  Resolution.  Dermagen,  Inc.  has  provided or will  provide
         Lender  with a  certified  copy  of  resolutions  properly  adopted  by
         Dermagen,  Inc.'s Board of Directors, and certified by Dermagen, Inc.'s
         corporate secretary,  assistant secretary, or other authorized officer,
         under which Dermagen,  Inc.'s Board of Directors authorized one or more
         designated  officers or employees to execute this  Agreement,  the Note
         and any and all Security  Agreements  directly or  indirectly  securing
         repayment  of the same,  and to  consummate  the  borrowings  and other
         transactions  as contemplated  under this Agreement,  and to consent to
         the remedies  following  any default by  Dermagen,  Inc. as provided in
         this Agreement and in any Security Agreements.

         Corporate Resolution. Biorx Pharmaceuticals,  Inc. has provided or will
         provide Lender with a certified copy of resolutions properly adopted by
         Biorx  Pharmaceuticals,  Inc.'s Board of  Directors,  and  certified by
         Biorx Pharmaceuticals, Inc.'s corporate secretary, assistant secretary,
         or other authorized officer, under which Biorx Pharmaceuticals,  Inc.'s
         Board  of  Directors  authorized  one or more  designated  officers  or
         employees to execute this Agreement,  the Note and any and all Security
         Agreements  directly or indirectly  securing repayment of the same, and
         to consummate  the borrowings and other  transactions  as  contemplated
         under this  Agreement,  and to consent to the  remedies  following  any
         default by Biorx  Pharmaceuticals,  Inc. as provided in this  Agreement
         and in any Security Agreements.

         Corporate  Resolution.  Royal  Health  Care,  Inc. has provided or will
         provide Lender with a certified copy of resolutions properly adopted by
         Royal Health Care,  Inc.'s Board of  Directors,  and certified by Royal
         Health Care, Inc.'s corporate secretary,  assistant secretary, or other
         authorized  officer,  under which Royal  Health  Care,  Inc.'s Board of
         Directors  authorized one or more  designated  officers or employees to
         execute this  Agreement,  the Note and any and all Security  Agreements
         directly  or  indirectly   securing  repayment  of  the  same,  and  to
         consummate the borrowings and other  transactions as contemplated under
         this Agreement, and to consent to the remedies following any default by
         Royal  Health  Care,  Inc.  as provided  in this  Agreement  and in any
         Security Agreements.

         Corporate  Resolution.  Allied Med Inc.  has  provided or will  provide
         Lender with a certified copy of resolutions  properly adopted by Allied
         Med  Inc.'s  Board of  Directors,  and  certified  by Allied Med Inc.'s
         corporate secretary,  assistant secretary, or other authorized officer,
         under which Allied Med Inc.'s Board of Directors authorized one or more
         designated  officers or employees to execute this  Agreement,  the Note
         and any and all Security  Agreements  directly or  indirectly  securing
         repayment  of the same,  and to  consummate  the  borrowings  and other
         transactions  as contemplated  under this Agreement,  and to consent to
         the  remedies  following  any default by Allied Med Inc. as provided in
         this Agreement and in any Security Agreements.

         Opinion of Counsel.  When required by Lender,  Borrower has provided or
         will provide Lender with an opinion of Borrower's counsel certifying to
         and  that:  (1)  Borrower's  Note,  any  Security  Agreements  and this
         Agreement  constitute valid and binding  obligations on Borrower's part
         that are enforceable in accordance  with their  respective  terms;  (2)
         Borrower is validly  existing and in good  standing;  -(3) Borrower has
         authority  to  enter  into  this   Agreement  and  to  consummate   the
         transactions  contemplated  under  this  Agreement;  and (4) such other
         matters as may have been requested by Lender or by Lender's counsel.

OUT OF DEBT REQUIREMENT. Borrower is to be out-of-debt under this Line of Credit
for thirty (30)  continuous  days  during each 12 month  period from the date of
this Agreement.

MISCELLANEOUS PROVISIONS. The following miscellaneous  provisions  are a part of
this Agreement:

         Amendments.  This  Agreement,  together  with  any  Related  Documents,
         constitutes the entire understanding and agreement of the parties as to
         the matters set forth in this Agreement.  No alteration of or amendment
         to this Agreement shall be effective unless given in writing and signed
         by the party or parties sought to be charged or bound by the alteration
         or amendment.

         Arbitration.  Borrower and Lender agree that all  disputes,  claims and
         controversies  between  them  whether  individual,  joint,  or class in
         nature,  arising from this  Agreement or otherwise,  including  without
         limitation contract and tort disputes,  shall be arbitrated pursuant to
         the Rules of the American Arbitration Association in effect at the time
         the claim is filed,  upon  request of either  party.  No act to take or
         dispose of any Collateral shall constitute a waiver of this arbitration
         agreement  or  be  prohibited  by  this  arbitration  agreement.   This
         includes,   without  limitation,   obtaining  injunctive  relief  or  a

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                             BUSINESS LOAN AGREEMENT
Loan No: 930610000                 (Continued)                            Page 8
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         temporary restraining order; invoking a power of sale under any deed of
         trust or mortgage;  obtaining a writ of  attachment  or imposition of a
         receiver;  or  exercising  any rights  relating to  personal  property,
         including taking or disposing of such property with or without judicial
         process  pursuant  to Article 9 of the  Uniform  Commercial  Code.  Any
         disputes,   claims,  or  controversies  concerning  the  lawfulness  or
         reasonableness  of any act, or exercise  of any right,  concerning  any
         Collateral, including any claim to rescind, reform, or otherwise modify
         any agreement  relating to the  Collateral,  shall also be  arbitrated,
         provided  however that no arbitrator  shall have the right or the power
         to enjoin or restrain  any act of any party.  Borrower and Lender agree
         that in the event of an action for  judicial  foreclosure  pursuant  to
         California  Code  of  Civil  Procedure  Section  726,  or  any  similar
         provision in any other state,  the  commencement of such an action will
         not  constitute a waiver of the right to arbitrate  and the court shall
         refer to arbitration as much of such action,  including  counterclaims,
         as lawfully  may be referred to  arbitration.  Judgment  upon any award
         rendered  by  any  arbitrator  may  be  entered  in  any  court  having
         jurisdiction.  Nothing in this Agreement  shall preclude any party from
         seeking  equitable relief from a court of competent  jurisdiction.  The
         statute of limitations, estoppel, waiver, laches, and similar doctrines
         which would  otherwise be  applicable  in an action  brought by a party
         shall be applicable in any arbitration proceeding, and the commencement
         of an arbitration  proceeding  shall be deemed the  commencement  of an
         action for these purposes.  The Federal  Arbitration Act shall apply to
         the construction,  interpretation,  and enforcement of this arbitration
         provision.

         Attorneys'  Fees;  Expenses.  Borrower agrees to pay upon demand all of
         Lender's costs and expenses,  including  Lender's  attorneys'  fees and
         Lender's legal expenses, incurred in connection with the enforcement of
         this  Agreement.  Lender may hire or pay someone  else to help  enforce
         this  Agreement,  and Borrower shall pay the costs and expenses of such
         enforcement.  Costs and expenses include  Lender's  attorneys' fees and
         legal expenses whether or not there is a lawsuit,  including attorneys'
         fees and legal expenses for bankruptcy  proceedings  (including efforts
         to modify or vacate any automatic stay or injunction), appeals, and any
         anticipated post-judgment collection services.  Borrower also shall pay
         all court  costs and such  additional  fees as may be  directed  by the
         court.

         Borrower  Information.  Borrower consents to the release of information
         on or about Borrower  by-Lender in accordance with any court order, law
         or regulation and in response to credit inquiries concerning Borrower.

         Caption   Headings.   Caption   headings  in  this  Agreement  are  for
         convenience purposes only and are not to be used to interpret or define
         the provisions of this Agreement.

         Consent to Loan Participation. Borrower agrees and consents to Lender's
         sale or transfer,  whether now or later,  of one or more  participation
         interests  in the Loan to one or more  purchasers,  whether  related or
         unrelated  to  Lender.  Lender  may  provide,  without  any  limitation
         whatsoever, to any one or more purchasers, or potential purchasers, any
         information  or knowledge  Lender may have about  Borrower or about any
         other  matter  relating to the Loan,  and  Borrower  hereby  waives any
         rights to  privacy  Borrower  may have with  respect  to such  matters.
         Borrower   additionally   waives  any  and  all   notices  of  sale  of
         participation  interests,  as well as all notices of any  repurchase of
         such participation interests.  Borrower also agrees that the purchasers
         of any such participation  interests will be considered as the absolute
         owners  of such  interests  in the Loan and  will  have all the  rights
         granted under the participation  agreement or agreements  governing the
         sale of such  participation  interests.  Borrower  further  waives  all
         rights of offset or counterclaim  that it may have now or later against
         Lender or against any  purchaser of such a  participation  interest and
         unconditionally agrees that either Lender or such purchaser may enforce
         Borrower's  obligation  under the Loan  irrespective  of the failure or
         insolvency of any holder of any interest in the Loan.  Borrower further
         agrees  that the  purchaser  of any such  participation  interests  may
         enforce its interests  irrespective  of any personal claims or defenses
         that Borrower may have against Lender.

         Governing   Law.  This  Agreement  will  be  governed  by  federal  law
         applicable  to Lender and, to the extent not  preempted by federal law,
         the laws of the State of California  without regard to its conflicts of
         law provisions. This Agreement has been accepted by Lender in the State
         of California.

         Choice of Venue.  If there is a lawsuit,  Borrower agrees upon Lender's
         request to  submit to  the  jurisdiction of  the courts  of Los Angeles
         County, State of California.

         Joint and Several  Liability.  All  obligations  of Borrower under this
         Agreement  shall be joint and several,  and all  references to Borrower
         shall  mean each and every  Borrower.  This  means  that each  Borrower
         signing below is responsible  for all  obligations  in this  Agreement.
         Where any one or more of the  parties  is a  corporation,  partnership,
         limited  liability  company or similar entity,  it is not necessary for
         Lender to inquire  into the powers of any of the  officers,  directors,
         partners,  members,  or other agents acting or purporting to act on the
         entity's  behalf,  and any obligations made or created in reliance upon
         the professed  exercise of such powers shall be  guaranteed  under this
         Agreement.

         Non-Liability of Lender.  The relationship  between Borrower and Lender
         created  by  this   Agreement   is  strictly  a  debtor  and   creditor
         relationship and not fiduciary in nature, nor is the relationship to be
         construed as creating any  partnership or joint venture  between Lender
         and  Borrower.  Borrower is  exercising  Borrower's  own judgment  with
         respect to Borrower's  business.  All information supplied to Lender is
         for Lender's  protection only and no other party is entitled to rely on
         such  information.  There is no duty for  Lender  to  review,  inspect,
         supervise or inform  Borrower of any matter with respect to  Borrower's
         business. Lender and Borrower intend that Lender may reasonably rely on
         all  information  supplied  by Borrower  to Lender,  together  with all
         representations  and  warranties  given by Borrower to Lender,  without
         investigation  or confirmation by Lender and that any  investigation or
         failure to investigate will not diminish Lender's right to so rely.

         Notice of Lender's  Breach.  Borrower  must notify Lender in writing of
         any breach of this Agreement or the Related Documents by Lender and any
         other claim,  cause of action or offset  against  Lender  within thirty
         (30) days after the  occurrence  of such breach or after the accrual of
         such claim, cause of action or offset. Borrower waives any claim, cause
         of action or offset for which  notice is not given in  accordance  with
         this paragraph.  Lender is entitled to rely on any failure to give such
         notice.

         Indemnification of Lender.  Borrower agrees to indemnify, to defend and
         to save and  hold  Lender  harmless  from  any and all  claims,  suits,
         obligations,  damages,  losses, costs and expenses (including,  without
         limitation, Lender's attorneys' fees), demands, liabilities, penalties,
         fines and  forfeitures  of any nature  whatsoever  that may be asserted
         against or incurred by Lender, its officers, directors,  employees, and
         agents arising out of, relating to, or in any manner occasioned by this
         Agreement  and the exercise of the rights and remedies  granted  Lender
         under  this,  as  well  as  by:  (1)  the  ownership,  use,  operation,
         construction, renovation, demolition, preservation, management, repair,
         condition,  or  maintenance  of any  part  of the  Collateral;  (2) the
         exercise of any of Borrower's rights collaterally  assigned and pledged
         to Lender hereunder;  (3) any failure of Borrower to perform any of its
         obligations  hereunder;  and/or (4) any  failure of  Borrower to comply
         with the  environmental  and  ERISA  obligations,  representations  and
         warranties set forth herein. The foregoing  indemnity  provisions shall
         survive the cancellation of this Agreement as to all matters arising or
         accruing prior to such  cancellation and the foregoing  indemnity shall

                                       8
<PAGE>

                             BUSINESS LOAN AGREEMENT
Loan No: 930610000                 (Continued)                            Page 9
--------------------------------------------------------------------------------

         survive in the event that Lender elects to exercise any of the remedies
         as  provided  under  this  Agreement   following   default   hereunder.
         Borrower's  indemnity  obligations  under this section shall not in any
         way be affected by the presence or absence of covering insurance, or by
         the  amount of such  insurance  or by the  failure  or  refusal  of any
         insurance  carrier  to  perform  any  obligation  on its part under any
         insurance policy or policies affecting the Collateral and/or Borrower's
         business activities.  Should any claim, action or proceeding be made or
         brought  against  Lender by reason of any event as to which  Borrower's
         indemnification   obligations   apply,   then,  upon  Lender's  demand,
         Borrower, at its sole cost and expense, shall defend such claim, action
         or proceeding in  Borrower's  name, if necessary,  by the attorneys for
         Borrower's  insurance  carrier (if such claim,  action or proceeding is
         covered by  insurance),  or otherwise by such attorneys as Lender shall
         approve.  Lender may also engage its own  attorneys  at its  reasonable
         discretion to defend Borrower and to assist in its defense and Borrower
         agrees to pay the fees and disbursements of such attorneys.

         Counterparts.  This Agreement may be executed in multiple counterparts,
         each of which, when so executed,  shall be deemed an original,  but all
         such  counterparts,  taken together,  shall constitute one and the same
         Agreement.

         No Waiver by  Lender.  Lender  shall not be deemed to have  waived  any
         rights under this Agreement  unless such waiver is given in writing and
         signed  by  Lender.  No delay or  omission  on the  part of  Lender  in
         exercising  any right  shall  operate  as a waiver of such right or any
         other right. A waiver by Lender of a provision of this Agreement  shall
         not  prejudice or  constitute a waiver of Lender's  right  otherwise to
         demand strict  compliance with that provision or any other provision of
         this  Agreement.  No prior waiver by Lender,  nor any course of dealing
         between Lender and Borrower,  or between Lender and any Grantor,  shall
         constitute a waiver of any of Lender's  rights or of any of  Borrower's
         or any Grantor's  obligations as to any future  transactions.  Whenever
         the consent of Lender is required under this Agreement, the granting of
         such consent by Lender in any instance shall not constitute  continuing
         consent to subsequent  instances  where such consent is required and in
         all  cases  such  consent  may be  granted  or  withheld  in  the  sole
         discretion of Lender.

         Notices.  Any notice required to be given under this Agreement shall be
         given in writing, and shall be effective when actually delivered,  when
         actually received by telefacsimile  (unless otherwise required by law),
         when deposited with a nationally  recognized  overnight courier, or, if
         mailed,  when  deposited  in the United  States  mail,  as first class,
         certified or registered mail postage prepaid, directed to the addresses
         shown near the  beginning of this  Agreement.  Any party may change its
         address for  notices  under this  Agreement  by giving  formal  written
         notice to the other parties,  specifying that the purpose of the notice
         is to change the party's address. for notice purposes,  Borrower agrees
         to keep tender  informed at all times of  Borrower's  current  address.
         Unless otherwise provided or required by law, if there is more than one
         Borrower,  any notice  given by Lender to any  Borrower is deemed to be
         notice given to all Borrowers.

         Severability.  If a court of competent jurisdiction finds any provision
         of this Agreement to be illegal,  invalid,  or  unenforceable as to any
         person or  circumstance,  that  finding  shall  not make the  offending
         provision illegal,  invalid, or unenforceable as to any other person or
         circumstance.  If feasible, the offending provision shall be considered
         modified  so that it  becomes  legal,  valid  and  enforceable.  If the
         offending  provision  cannot  be so  modified,  it shall be  considered
         deleted  from this  Agreement.  Unless  otherwise  required by law, the
         illegality,  invalidity,  or  unenforceability of any provision of this
         Agreement shall not affect the legality,  validity or enforceability of
         any other provision of this Agreement.

         Sole  Discretion of Lender.  Whenever  Lender's  consent or approval is
         required  under this  Agreement,  the  decision as to whether or not to
         consent or approve  shall be in the sole and  exclusive  discretion  of
         Lender and Lender's decision shall be final and conclusive.

         Subsidiaries  and Affiliates of Borrower.  To the extent the context of
         any  provisions  of this  Agreement  makes  it  appropriate,  including
         without limitation any representation,  warranty or covenant,  the word
         "Borrower"  as used in this  Agreement  shall include all of Borrower's
         subsidiaries  and affiliates.  Notwithstanding  the foregoing  however,
         under no  circumstances  shall this  Agreement  be construed to require
         Lender  to make  any Loan or other  financial  accommodation  to any of
         Borrower's subsidiaries or affiliates.

         Successors and Assigns. All covenants and agreements by or on behalf of
         Borrower  contained in this  Agreement or any Related  Documents  shall
         bind  Borrower's  successors and assigns and shall inure to the benefit
         of Lender and its successors and assigns.  Borrower shall not, however,
         have the right to assign  Borrower's rights under this Agreement or any
         interest therein, without the prior written consent of Lender.

         Survival of Representations  and Warranties.  Borrower  understands and
         agrees  that in  extending  Loan  Advances,  Lender is  relying  on all
         representations,  warranties,  and  covenants  made by Borrower in this
         Agreement  or in any  certificate  or  other  instrument  delivered  by
         Borrower  to Lender  under this  Agreement  or the  Related  Documents.
         Borrower  further agrees that regardless of any  investigation  made by
         Lender, all such representations, warranties and covenants will survive
         the  extension  of Loan  Advances and delivery to Lender of the Related
         Documents,  shall be  continuing  in nature,  shall be deemed  made and
         redated by  Borrower at the time each Loan  Advance is made,  and shall
         remain  in  full  force  and  effect  until  such  time  as  Borrower's
         Indebtedness  shall be paid in full, or until this  Agreement  shall be
         terminated  in the  manner  provided  above,  whichever  is the last to
         occur.

         Time is of the Essence.  Time is of the essence in the  performance  of
         this Agreement.

         Waive Jury. To the extent  permitted by applicable  law, all parties to
         this Agreement  hereby waive the right to any jury trial in any action,
         proceeding,  or  counterclaim  brought by any party  against  any other
         party.

DEFINITIONS.  The following capitalized words and terms shall have the following
meanings  when  used  in  this  Agreement.  Unless  specifically  stated  to the
contrary, all references to dollar amounts shall mean amounts in lawful money of
the United States of America. Words and terms used in the singular shall include
the  plural,  and the plural  shall  include  the  singular,  as the context may
require.  Words and terms not otherwise defined in this Agreement shall have the
meanings  attributed to such terms in the Uniform  Commercial  Code.  Accounting
words and terms not otherwise  defined in this Agreement shall have the meanings
assigned to them in accordance with generally accepted accounting  principles as
in effect on the date of this Agreement:

         Advance. The word "Advance" means a disbursement of Loan funds made, or
         to be made, to Borrower or on Borrower's  behalf on a line of credit or
         multiple   advance  basis  under  the  terms  and  conditions  of  this
         Agreement.

         Agreement.  The word "Agreement" means this Business Loan Agreement, as
         this  Business  Loan  Agreement may be amended or modified from time to
         time,  together  with  all  exhibits  and  schedules  attached  to this
         Business Loan Agreement from time to time.

                                       9
<PAGE>
                             BUSINESS LOAN AGREEMENT
Loan No: 930610000                 (Continued)                           Page 10
--------------------------------------------------------------------------------

         Borrower.  The word "Borrower"  means Amexdrug  Corporation;  Dermagen,
         Inc.; Biorx Pharmaceuticals,  Inc.; Royal Health Care, Inc.; and Allied
         Med Inc. and includes all co-signers and co-makers signing the Note and
         all their successors and assigns.

         Collateral. The word "Collateral" means all property and assets granted
         as collateral  security for a Loan,  whether real or personal property,
         whether granted  directly or indirectly,  whether granted now or in the
         future,  and  whether  granted  in the  form  of a  security  interest,
         mortgage, collateral mortgage, deed of trust, assignment,  pledge, crop
         pledge, chattel mortgage,  collateral chattel mortgage,  chattel trust,
         factor's lien, equipment trust,  conditional sale, trust receipt, lien,
         charge, lien or title retention contract, lease or consignment intended
         as  a  security  device,   or  any  other  security  or  lien  interest
         whatsoever, whether created by law, contract, or otherwise.

         Environmental  Laws.  The words  "Environmental  Laws" mean any and all
         state, federal and local statutes,  regulations and ordinances relating
         to the protection of human health or the environment, including without
         limitation the Comprehensive Environmental Response,  Compensation, and
         Liability  Act of 1980,  as amended,  42 U.S.C.  Section  9601, et seq.
         ("CERCLA"),  the Superfund  Amendments and Reauthorization Act of 1986,
         Pub. L. No. 99-499  ("SARA"),  the Hazardous  Materials  Transportation
         Act, 49 U.S.C.  Section 1801, at seq.,  the Resource  Conservation  and
         Recovery Act, 42 U.S.C. Section 6901, at seq., Chapters 6.5 through 7.7
         of Division 20 of the California Health and Safety Code, Section 25100,
         at  seq.,  or  other  applicable  state  or  federal  laws,  rules,  or
         regulations adopted pursuant thereto.

         ERISA. The word "ERISA" means the Employee  Retirement  Income Security
         Act  of  1974,  as  amended  from  time  to  time,  and  including  all
         regulations and published interpretations of the act.

         Event of  Default.  The words  "Event of  Default"  mean  individually,
         collectively,  and  interchangeably  any of the events of  default  set
         forth in this Agreement in the default section of this Agreement.

         GAAP. The word "GAAP" means generally accepted accounting principles.

         Grantor.  The  word  "Grantor"  means  each and all of the  persons  or
         entities  granting a Security  Interest in any Collateral for the Loan,
         including  without  limitation  all Borrowers  granting such a Security
         Interest.

         Guarantor.  The word  "Guarantor"  melons  any  guarantor,  surety,  or
         accommodation  party  of any or all of the  Loan,  and,  in each  case,
         Borrower's  successors,   assigns,  heirs,  personal   representatives,
         executors and administrators of any guarantor, surety, or accommodation
         party.

         Guaranty.  The word  "Guaranty"  means the guaranty  from  Guarantor to
         Lender,  including without  limitation a guaranty of all or part of the
         Note.

         Hazardous Substances.  The words "Hazardous  Substances" mean materials
         that, because of their quantity, concentration or physical, chemical or
         infectious  characteristics,  may cause or pose a present or  potential
         hazard  to  human  health  or the  environment  when  improperly  used,
         treated, stored, disposed of, generated,  manufactured,  transported or
         otherwise handled.  The words "Hazardous  Substances" are used in their
         very  broadest  sense  and  include  without  limitation  any  and  all
         hazardous  or toxic  substances,  materials  or waste as  defined by or
         listed under the  Environmental  Laws. The term "Hazardous  Substances"
         also includes, without limitation,  petroleum and petroleum by-products
         or any fraction thereof and asbestos.

         Indebtedness.  The word "Indebtedness" means the indebtedness evidenced
         by the Note or Related Documents,  including all principal and interest
         together with all other  indebtedness  and costs and expenses for which
         Borrower  is  responsible  under  this  Agreement  or under  any of the
         Related Documents.

         Lender.  The word  "Lender"  means  National  Bank of  California,  its
         successors and assigns.

         Loan.   The  word  "Loan"  means  any  and  all  loans  and   financial
         accommodations  from  Lender  to  Borrower  whether  now  or  hereafter
         existing,  and however  evidenced,  including without  limitation those
         loans and financial accommodations described herein or described on any
         exhibit or schedule  attached to this  Agreement from time to time, and
         further  including  any  and  all  subsequent  amendments,   additions,
         substitutions, renewals and refinancings of any of Borrower's Loans.

         Note. The word "Note" means the Note executed by Amexdrug  Corporation;
         Dermagen,  Inc.; Biorx Pharmaceuticals,  Inc.; Royal Health Care, Inc.;
         and Allied Med Inc. in the principal  amount of $150,000.00  dated June
         23, 2008,  together with all renewals of, extensions of,  modifications
         of, refinancings of,  consolidations of, and substitutions for the note
         or credit agreement.

         Permitted  Liens.  The  words  "Permitted  Liens"  mean (1)  liens  and
         security  interests  securing  Indebtedness owed by Borrower to Lender;
         (2) liens for taxes, assessments, or similar charges either not yet due
         or being contested in good faith; (3) liens of materialmen,  mechanics,
         warehousemen,  or carriers, or other like liens arising in the ordinary
         course  of  business  and  securing   obligations  which  are  not  yet
         delinquent;  (4)  purchase  money  liens  or  purchase  money  security
         interests  upon or in any property  acquired or held by Borrower in the
         ordinary course of business to secure  indebtedness  outstanding on the
         date of this  Agreement or permitted to be incurred under the paragraph
         of this  Agreement  titled  "Indebtedness  and  Liens";  (5)  liens and
         security  interests which, as of the date of this Agreement,  have been
         disclosed to and approved by the Lender in writing; and (6) those liens
         and security interests which in the aggregate  constitute an immaterial
         and  insignificant  monetary  amount  with  respect to the net value of
         Borrower's assets.

         Related Documents.  The words "Related Documents".  mean all promissory
         notes, credit agreements,  loan agreements,  environmental  agreements,
         guaranties,  security agreements,  mortgages,  deeds of trust, security
         deeds, collateral mortgages, and all other instruments,  agreements and
         documents,  whether now or hereafter  existing,  executed in connection
         with the Loan.

         Security  Agreement.  The words  "Security  Agreement" mean and include
         without limitation any agreements,  promises, covenants,  arrangements,
         understandings or other agreements,  whether created by law,  contract,
         or  otherwise,  evidencing,  governing,  representing,  or  creating  a
         Security Interest.

                                       10
<PAGE>
                             BUSINESS LOAN AGREEMENT
Loan No: 930610000                 (Continued)                           Page 11
--------------------------------------------------------------------------------

         Security Interest.  The words "Security  Interest" mean,  individually,
         collectively,  and  interchangeably,  without  limitation,  any and all
         types of collateral security,  present and future,  whether in the form
         of a lien, charge, encumbrance, mortgage, deed of trust, security deed,
         assignment,  pledge, crop pledge, chattel mortgage,  collateral chattel
         mortgage,  chattel trust,  factor's lien, equipment trust,  conditional
         sale,  trust  receipt,  lien or  title  retention  contract,  lease  or
         consignment  intended as a security  device,  or any other  security or
         lien  interest   whatsoever  whether  created  by  law,  contract,   or
         otherwise.

BORROWER  ACKNOWLEDGES  HAVING READ ALL THE  PROVISIONS  OF THIS  BUSINESS  LOAN
AGREEMENT AND BORROWER  AGREES TO ITS TERMS.  THIS  BUSINESS  LOAN  AGREEMENT IS
DATED JUNE 23, 2008.

BORROWER:

AMEXDRUG CORPORATION

By:     /s/ Jack N. Amin
   ------------------------------------------------------------------
     Jack N. Amin, President/Secretary of Amexdrug Corporation

DERMAGEN, INC.

By:     /s/ Jack N. Amin
   ------------------------------------------------------------------
     Jack N. Amin, President/Secretary of Dermagen, Inc.

BIORIX PHARMACEUTICALS, INC.

By:     /s/ Jack N. Amin
   ------------------------------------------------------------------
     Jack N. Amin, President/Secretary of Biorx Pharmaceuticals, Inc.

ROYAL HEALTH CARE, INC.

By:     /s/ Jack N. Amin
   ------------------------------------------------------------------
     Jack N. Amin, President/Secretary of Royal Health Care, Inc.

ALLIED MED INC.

By:     /s/ Jack N. Amin
   ------------------------------------------------------------------
     Jack N. Amin, President/Secretary of Allied Med Inc.

LENDER:

NATIONAL BANK OF CALIFORNIA

By:     /s/       illegible
   ------------------------------------------------------------------
     Authorized Signer

                                       11

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

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