<SEC-DOCUMENT>0001051514-20-000032.txt : 20200526
<SEC-HEADER>0001051514-20-000032.hdr.sgml : 20200526
<ACCEPTANCE-DATETIME>20200526163618
ACCESSION NUMBER:		0001051514-20-000032
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		8
CONFORMED PERIOD OF REPORT:	20200526
ITEM INFORMATION:		Entry into a Material Definitive Agreement
ITEM INFORMATION:		Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant
ITEM INFORMATION:		Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers: Compensatory Arrangements of Certain Officers
ITEM INFORMATION:		Regulation FD Disclosure
ITEM INFORMATION:		Financial Statements and Exhibits
FILED AS OF DATE:		20200526
DATE AS OF CHANGE:		20200526

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			STRATA Skin Sciences, Inc.
		CENTRAL INDEX KEY:			0001051514
		STANDARD INDUSTRIAL CLASSIFICATION:	SURGICAL & MEDICAL INSTRUMENTS & APPARATUS [3841]
		IRS NUMBER:				133986004
		STATE OF INCORPORATION:			DE
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		8-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-51481
		FILM NUMBER:		20911124

	BUSINESS ADDRESS:	
		STREET 1:		5 WALNUT GROVE DRIVE
		STREET 2:		SUITE 140
		CITY:			HORSHAM
		STATE:			PA
		ZIP:			19044
		BUSINESS PHONE:		215-619-3200

	MAIL ADDRESS:	
		STREET 1:		5 WALNUT GROVE DRIVE
		STREET 2:		SUITE 140
		CITY:			HORSHAM
		STATE:			PA
		ZIP:			19044

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	MELA SCIENCES, INC. /NY
		DATE OF NAME CHANGE:	20100504

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	ELECTRO OPTICAL SCIENCES INC /NY
		DATE OF NAME CHANGE:	19971216
</SEC-HEADER>
<DOCUMENT>
<TYPE>8-K
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<FILENAME>form8-k.htm
<DESCRIPTION>SSKN BOARD CHANGES AND EIDL LOAN
<TEXT>
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    <div style="text-align: center; font-weight: bold;">UNITED STATES</div>
    <div style="text-align: center; font-weight: bold;">SECURITIES AND EXCHANGE COMMISSION</div>
    <div style="text-align: center; font-weight: bold;">WASHINGTON, D.C. 20549</div>
    <div style="text-align: center;">_____________</div>
    <div><br>
    </div>
    <div style="text-align: center; font-weight: bold;">FORM 8-K</div>
    <div><br>
    </div>
    <div style="text-align: center; font-weight: bold;">CURRENT REPORT</div>
    <div style="text-align: center; font-weight: bold;">Pursuant to Section 13 or 15(d) of the</div>
    <div style="text-align: center; font-weight: bold;">Securities Exchange Act of 1934</div>
    <div><br>
    </div>
    <div style="text-align: center;">Date of report (Date of earliest event reported): May 22, 2020</div>
    <div><br>
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    <div style="text-align: center;"><img width="134" height="43" src="image0.jpg"></div>
    <div><br>
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    <div style="text-align: center; font-weight: bold;">STRATA SKIN SCIENCES, INC.</div>
    <div style="text-align: center;">(Exact Name of Registrant Specified in Charter)</div>
    <div style="text-align: center;">&#160;</div>
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            <div style="text-align: center; font-weight: bold;">000-51481</div>
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            <div style="text-align: center; font-weight: bold;">13-3986004</div>
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            <div style="text-align: center;">(State or Other</div>
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            <div style="text-align: center;">(Commission File</div>
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            <div style="text-align: center;">(I.R.S. Employer</div>
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            <div style="text-align: center;">Jurisdiction of</div>
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            <div style="text-align: center;">Number)</div>
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          <td style="width: 35.9%; vertical-align: middle;">
            <div style="text-align: center;">Identification No.)</div>
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          <td style="width: 29.91%; vertical-align: middle;">
            <div style="text-align: center;">Incorporation)</div>
          </td>
          <td style="width: 34.19%; vertical-align: middle;">
            <div>&#160;</div>
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          <td style="width: 35.9%; vertical-align: middle;">
            <div>&#160;</div>
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    <div>&#160;&#160;</div>
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          <td style="width: 22.22%; vertical-align: top;">
            <div>&#160;</div>
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          <td style="width: 52.99%; vertical-align: top;">
            <div style="text-align: center; font-weight: bold;">5 Walnut Grove Drive, Suite 140, Horsham, Pennsylvania</div>
          </td>
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            <div style="margin-left: 9.9pt; font-weight: bold;">&#160;&#160;&#160;&#160; 19044</div>
          </td>
          <td style="width: 6.84%; vertical-align: top;">
            <div>&#160;</div>
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          <td style="width: 22.22%; vertical-align: top;">
            <div>&#160;</div>
          </td>
          <td style="width: 52.99%; vertical-align: top;">
            <div style="text-align: center;">(Address of Principal Executive Offices)</div>
          </td>
          <td style="width: 17.95%; vertical-align: top;">
            <div style="margin-left: 19.8pt;">(Zip Code)</div>
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          <td style="width: 6.84%; vertical-align: top;">
            <div>&#160;</div>
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    <div>&#160;&#160;</div>
    <div style="text-align: center;">Registrant's telephone number, including area code:&#160;&#160;&#160;<font style="font-weight: bold;">215-619-3200</font></div>
    <div><br>
    </div>
    <div style="text-align: center;">&#160;(Former Name or Former Address, if Changed Since Last Report)</div>
    <div><br>
    </div>
    <div style="text-align: justify;">Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:<a name="tab1"></a></div>
    <div><br>
    </div>
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              <div>&#9633;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify;">Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)</div>
            </td>
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              <div>&#9633;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify;">Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)</div>
            </td>
          </tr>

      </table>
    </div>
    <div><br>
    </div>
    <div>&#9633;<font style="display: inline-block; text-indent: 0px; font-size: 1px; width: 27pt" id="TRGRRTFtoHTMLTab">&#160;</font>Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))</div>
    <div><br>
    </div>
    <div>&#9633;<font style="display: inline-block; text-indent: 0px; font-size: 1px; width: 27pt" id="TRGRRTFtoHTMLTab">&#160;</font>Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))<a name="pgbrk"></a><a name="pn"></a><a name="glftr"></a><a name="ftr"></a><a name="DSPFPageBreakArea"></a><a name="DSPFPageBreak"></a></div>
    <div>&#160;</div>
    <div style="margin-left: 5.35pt;">Securities registered pursuant to Section 12(b) of the Act:</div>
    <div>&#160;</div>
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            <div style="text-align: center; font-family: 'Times New Roman', Times, serif;">Title of each class</div>
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            <div style="text-align: center; font-family: 'Times New Roman', Times, serif;">Trading<br>
              Symbol(s)</div>
          </td>
          <td style="width: 43.96%; vertical-align: bottom; border-top: 2px solid rgb(0, 0, 0); border-left: 2px solid rgb(0, 0, 0); border-right: 2px solid rgb(0, 0, 0);">
            <div style="text-align: center; font-family: 'Times New Roman', Times, serif;">Name of each exchange on which registered</div>
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            <div style="text-align: center; font-family: 'Times New Roman', Times, serif;">Common Stock, $0.001 par value per share</div>
          </td>
          <td style="width: 13.06%; vertical-align: top; border-top: 2px solid rgb(0, 0, 0); border-left: 2px solid rgb(0, 0, 0); border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: center; font-family: 'Times New Roman', Times, serif;">SSKN</div>
          </td>
          <td style="width: 43.96%; vertical-align: top; border-width: 2px; border-style: solid; border-color: rgb(0, 0, 0);">
            <div style="text-align: center; font-family: 'Times New Roman', Times, serif;">The NASDAQ Stock Market LLC</div>
          </td>
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    <div><br>
    </div>
    <div style="text-align: justify;">Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (&#167;230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934
      (&#167;240.12b-2 of this chapter).</div>
    <div><br>
    </div>
    <div>Emerging growth company &#9633;</div>
    <div><br>
    </div>
    <div style="text-align: justify;">If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to
      Section 13(a) of the Exchange Act. &#9633;</div>
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          <td style="width: 13.47%; vertical-align: top;">
            <div style="text-align: justify; font-weight: bold;"><u>Item 1.01.</u></div>
          </td>
          <td style="width: 86.53%; vertical-align: top;">
            <div style="text-align: justify; font-weight: bold;"><u>Entry Into A Material Definitive Agreement.</u></div>
          </td>
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    <div><br>
    </div>
    <div style="text-align: justify;">On May 22, 2020, STRATA Skin Sciences, Inc. (the &#8220;Company&#8221;) executed the standard loan documents required for securing a loan (the &#8220;EIDL Loan&#8221;) from the United States Small Business Administration (the &#8220;SBA&#8221;) under its
      Economic Injury Disaster Loan (&#8220;EIDL&#8221;) assistance program in light of the impact of the COVID-19 pandemic on the Company&#8217;s business. The principal amount of the EIDL Loan is up to $500,000, with proceeds to be used for working capital purposes. As of
      the date of this Current Report on Form 8-K, the Company has not requested any disbursements under the EIDL Loan, and the EIDL Loan requires all requests for disbursements be made by September 26, 2020 (six months after the date of the EIDL Loan),
      unless the SBA, in its sole discretion, extends the disbursement period. If the Company does not request disbursements by such date, the EIDL Loan commitment will terminate and the Company will lose the ability to draw the funds. Interest accrues at
      the rate of 3.75% per annum and will accrue only on funds actually advanced from the date of each advance. Installment payments, including principal and interest, are due monthly beginning March 26, 2021 (twelve months from the date of the promissory
      note) in the amount of $2,437. The balance of principal and interest is payable thirty years from the date of the promissory note.</div>
    <div><br>
    </div>
    <div style="text-align: justify;">The Company has executed the EIDL Loan documents, which include the SBA Secured Disaster Loan Note, dated March 26, 2020 (the &#8220;EIDL Loan Note&#8221;), the Loan Authorization and Agreement, dated March 26, 2020 (the &#8220;EIDL
      Loan LA&amp;A&#8221;), between the SBA and the Company, and the Security Agreement, dated March&#160;26, 2020 (the &#8220;EIDL Loan Security Agreement&#8221;), between the SBA and the Company, and returned those executed documents to the SBA within the two month deadline
      from March 26, 2020 in order to avoid forfeiting the EIDL Loan. Notwithstanding the provisions stated in the loan documents requiring a personal guarantee, the Company did not provide a personal guarantee.</div>
    <div><br>
    </div>
    <div style="text-align: justify;">The Company may or may not draw any of the available funds under the EIDL Loan if it cannot secure certain changes or clarifications to the loan terms and conditions.</div>
    <div><br>
    </div>
    <div style="text-align: justify;">The EIDL Loan is secured by a security interest on all of the Company&#8217;s assets. The terms of the security interest are set forth in the EIDL Loan Security Agreement.</div>
    <div><br>
    </div>
    <div style="text-align: justify;">The foregoing description of the EIDL Loan is qualified in its entirety by reference to the terms of the EIDL Loan LA&amp;A, which is attached hereto as Exhibit 10.1, the EIDL Loan Note, which is attached hereto as
      Exhibit 10.2, and the EIDL Loan Security Agreement, which is attached hereto as Exhibit 10.3, and each of which is incorporated by reference.</div>
    <div style="text-align: justify;"> <br>
    </div>
    <div><br>
    </div>
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            <div style="text-align: justify; font-weight: bold;"><u>Item 2.03.</u></div>
          </td>
          <td style="width: 86.53%; vertical-align: top;">
            <div style="text-align: justify; font-weight: bold;"><u>Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant.</u></div>
          </td>
        </tr>

    </table>
    <div><br>
    </div>
    <div style="text-align: justify;">The information about the EIDL Loan disclosed in Item 1.01 above is incorporated by reference into this Item 2.03.</div>
    <div style="text-align: justify;"> <br>
    </div>
    <div>&#160;<a name="part_1_2_1"></a><a name="item_1_41_1"></a></div>
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          <td style="width: 13.33%; vertical-align: top;">
            <div style="font-weight: bold;"><u>Item 5.02.</u></div>
          </td>
          <td style="width: 86.67%; vertical-align: top;">
            <div style="text-align: justify; font-weight: bold;"><u>Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers.</u></div>
          </td>
        </tr>

    </table>
    <div><br>
    </div>
    <div style="text-align: justify;">On May 22, 2020, Strata Skin Sciences, Inc. (the &#8220;Company&#8221;) accepted the resignation of David N. Gill from his position as a Board member and Chairman of the Board's Audit Committee. Mr. Gill resigned for personal
      reasons in order to focus attention on other matters. <a name="z_Hlk40374923"></a>This resignation is not a result of any disagreement or dispute related to Strata&#8217;s operations, accounting policies, or practices. On the same date Ms. LuAnn Via, a
      member of the Company's Board since 2012 and a member of the Audit Committee since February 2017, agreed to serve as Chairperson of the Audit Committee. In addition to her long-standing service as a member of the Board, Ms. Via had previously served
      as Chairperson of the Board.</div>
    <div><br>
    </div>
    <div style="text-align: justify;">Additionally, Samuel Navarro, a member of the Board since 2014, became a member of the Audit Committee. Mr. Navarro has previous experience having served on the Audit Committee through the end of the third quarter of&#160;
      the 2016 fiscal year.</div>
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          <td style="width: 13.47%; vertical-align: top;">
            <div style="text-align: justify; font-weight: bold;"><u>Item 7.01.</u></div>
          </td>
          <td style="width: 86.53%; vertical-align: top;">
            <div style="text-align: justify; font-weight: bold;"><u>Regulation FD Disclosure.</u></div>
          </td>
        </tr>

    </table>
    <div><br>
    </div>
    <div style="text-align: justify;"><a name="part_1_2_2"></a><a name="item_1_47_1"></a>While the Company has executed the SBA&#8217;s standard EIDL Loan documents described in Item 1.01 above in order to avoid forfeiting the EIDL Loan commitment, the Company
      is seeking modifications regarding, among other things, the security interest of the SBA to permit third-party financing senior, in terms of security, to the SBA. The Company cannot guarantee that it will be successful in modifying the EIDL Loan
      documents to eliminate unacceptable provisions, or, if it is unsuccessful, the Company will still request disbursements for some or all of the amounts available under the EIDL Loan.</div>
    <div><br>
    </div>
    <div style="text-align: justify;">The information set forth under this Item 7.01 is being furnished and shall not be deemed &#8220;filed&#8221; for the purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the &#8220;Exchange Act&#8221;), or otherwise
      subject to the liabilities of such section, nor shall such information be deemed incorporated by reference in any filing under the Securities Act of 1933, as amended, or the Exchange Act, except as shall be expressly set forth by specific reference
      in any such filing.</div>
    <div><br>
    </div>
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          <td style="width: 13.47%; vertical-align: top;">
            <div style="text-align: justify; font-weight: bold;"><u>Item 9.01.</u></div>
          </td>
          <td style="width: 86.53%; vertical-align: top;">
            <div style="text-align: justify; font-weight: bold;"><u>Financial Statements and Exhibits.</u></div>
          </td>
        </tr>

    </table>
    <div><br>
    </div>
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          <td style="width: 13.48%; vertical-align: top;">
            <div style="text-align: justify; font-family: 'Times New Roman',Times,serif; font-weight: bold;">(d)</div>
          </td>
          <td style="width: 86.52%; vertical-align: top;">
            <div style="text-align: justify; font-family: 'Times New Roman',Times,serif; font-weight: bold;">Exhibits:</div>
          </td>
        </tr>
        <tr>
          <td style="width: 13.48%; vertical-align: top;">
            <div style="text-align: justify;">10.1</div>
          </td>
          <td style="width: 86.52%; vertical-align: top;">
            <div style="text-align: justify;"><a href="ex_10-1.htm">U.S. Small Business Administration Loan Authorization and Agreement, dated as of March
                26, 2020 and executed May 22, 2020, between the SBA and the Company.</a></div>
          </td>
        </tr>
        <tr>
          <td style="width: 13.48%; vertical-align: top;">
            <div style="text-align: justify;">10.2</div>
          </td>
          <td style="width: 86.52%; vertical-align: top;">
            <div style="text-align: justify;"><a href="ex_10-2.htm">U.S. Small Business Administration Note (Secured Disaster Loans), dated as of March 26,
                2020 and executed May 22, 2020, by the Company for the benefit of the SBA</a></div>
          </td>
        </tr>
        <tr>
          <td style="width: 13.48%; vertical-align: top;">
            <div style="text-align: justify;">10.3</div>
          </td>
          <td style="width: 86.52%; vertical-align: top;">
            <div style="text-align: justify;"><a href="ex_10-3.htm">U.S. Small Business Administration Security Agreement dated as of March 26, 2020 and
                executed May 22, 2020, between the SBA and the Company.</a></div>
          </td>
        </tr>

    </table>
    <div><br>
    </div>
    <div>&#160;</div>
    <div><br>
    </div>
    <div>&#160;</div>
    <div><br>
    </div>
    <div>&#160;</div>
    <div><br>
    </div>
    <div>&#160;</div>
    <div style="text-align: center; font-family: 'Times New Roman',Times,serif; font-weight: bold;"><u>SIGNATURE</u></div>
    <div>&#160;</div>
    <div style="text-align: justify; text-indent: 42.9pt;">Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.<a name="z28d2e513a6f3403792e44feb193e165"></a></div>
    <div>&#160;</div>
    <table cellspacing="0" cellpadding="0" id="z3e15ae963ff64fec855e67de27b28f8c" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

        <tr>
          <td style="width: 4.11%; vertical-align: top;">
            <div>&#160;</div>
          </td>
          <td style="width: 65.92%; vertical-align: top;">
            <div>STRATA SKIN SCIENCES, INC.</div>
          </td>
          <td style="width: 29.97%; vertical-align: top;">
            <div>&#160;</div>
          </td>
        </tr>
        <tr>
          <td style="width: 4.11%; vertical-align: top;">&#160;</td>
          <td style="width: 65.92%; vertical-align: top;">&#160;</td>
          <td style="width: 29.97%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 4.11%; vertical-align: top;">
            <div>By:</div>
          </td>
          <td style="width: 65.92%; vertical-align: top;">
            <div>&#160;<u>/s/ Matthew C. Hill&#160;&#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160;&#160; &#160;</u></div>
          </td>
          <td style="width: 29.97%; vertical-align: top;">
            <div><u>&#160;</u></div>
          </td>
        </tr>
        <tr>
          <td style="width: 4.11%; vertical-align: top;">
            <div>&#160;</div>
          </td>
          <td style="width: 65.92%; vertical-align: top;">
            <div>Matthew C. Hill&#160;&#160;&#160;&#160;&#160;</div>
          </td>
          <td style="width: 29.97%; vertical-align: top;">
            <div>&#160;</div>
          </td>
        </tr>
        <tr>
          <td style="width: 4.11%; vertical-align: top;">
            <div>&#160;</div>
          </td>
          <td style="width: 65.92%; vertical-align: top;">
            <div>Chief Financial Officer</div>
          </td>
          <td style="width: 29.97%; vertical-align: top;">
            <div>&#160;</div>
          </td>
        </tr>

    </table>
    <div><br>
    </div>
    <div>Date May 26, 2020</div>
    <div><br>
    </div>
    <div><br>
    </div>
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    </div>
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</DOCUMENT>
<DOCUMENT>
<TYPE>EX-10.1
<SEQUENCE>2
<FILENAME>ex_10-1.htm
<DESCRIPTION>U.S. SMALL BUSINESS ADMINISTRATION LOAN AUTHORIZATION & AGREEMENT.
<TEXT>
<html>
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    <div style="text-align: right;"><u><font style="font-weight: bold;">EXHIBIT 10.1</font></u> <br>
    </div>
    <div> <br>
    </div>
    <div> <br>
    </div>
    <div style="margin-right: 2pt; font-size: 8pt;">Application&#160;# 2000067140/EIDL 4316357010</div>
  </div>
  <div><br>
  </div>
  <div>&#160;</div>
  <div style="text-align: center; font-weight: bold;">U.S. Small Business Administration</div>
  <div>&#160;</div>
  <div>Secured Economic Injury Disaster Loan</div>
  <div>&#160;</div>
  <div style="text-align: center; font-weight: bold;"><u>LOAN AUTHORIZATION AND AGREEMENT</u></div>
  <div>&#160;</div>
  <div><br>
  </div>
  <div>&#160;</div>
  <div>Date: March 26, 2020</div>
  <div>&#160;</div>
  <div>&#160;</div>
  <div style="text-align: justify; text-indent: 0.4pt; margin-right: 20pt;">On the above date, this Administration (SBA) authorized (under Section 7(b) of the Small Business Act, as amended) a Loan (Loan Number <u>EIDL 43163 </u><u>5 </u><u>70 10 )</u>
    to <u>STRATA SKIN S</u><u>C</u><u>IENCES</u><u>. </u><u>INC.</u> (Borrower) of <u>5 WALNUT GROVE DR SUITE 140, HORSHAM </u><u>, </u><u>PA 19044</u> in the amount of <u>Five Hundred Thousand and 00</u><u>/</u><u>10</u><u>0 </u><u>Doll</u><u>a</u><u>rs




    </u><u>($</u><u>5</u><u>00,000</u><u>.00</u><u>)</u>&#160;upon the following conditions:</div>
  <div>&#160;</div>
  <div><br>
  </div>
  <div style="margin-right: 20pt; font-weight: bold;"><u>PAYMENT</u></div>
  <div>&#160;</div>
  <div><br>
  </div>
  <div>
    <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z26166fc9159c400a922be0a31b840d14">

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            <div style="margin-left: 21.6pt; font-family: Wingdings;">&#8226;</div>
          </td>
          <td style="width: auto; vertical-align: top;">
            <div style="text-align: justify;">Installment payments, including principal and interest, of&#160; <u>Two&#160; Thousand&#160; Four&#160; Hundred&#160; Thirt</u><u>y</u><u>-</u><u>Seven</u><u>&#160; And 00</u><u>/1</u><u>00 ($2,437.00) Dollars Monthly,</u> will begin <u>Twelve</u><u>(l</u><u>2</u><u>)
              </u><u>months</u> from the date of the promissory Note.&#160; The balance of principal and interest will be payable <u>Thirt</u><u>y (3</u><u>0</u><u>) </u><u>yea</u><u>rs</u> from the date of the promissory Note.</div>
          </td>
        </tr>

    </table>
  </div>
  <div>&#160;</div>
  <div><br>
  </div>
  <div style="margin-right: 20pt; font-weight: bold;"><u>INTEREST</u></div>
  <div>&#160;</div>
  <div><br>
  </div>
  <div>
    <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z95303ba661154e30b409ca88ea5036a8">

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          <td style="width: 39.6pt; vertical-align: top; align: right;">
            <div style="margin-left: 21.6pt; font-family: Wingdings;">&#8226;</div>
          </td>
          <td style="width: auto; vertical-align: top;">
            <div style="text-align: justify;">Interest will accrue at the rate&#160; of <u> 3.750%</u>&#160; per annum&#160; and will accrue only on funds actually advanced from the date(s) of each advance.</div>
          </td>
        </tr>

    </table>
  </div>
  <div><br>
  </div>
  <div style="margin-right: 20pt; font-weight: bold;"><u>PAYMENT TERMS</u></div>
  <div>&#160;</div>
  <div><br>
  </div>
  <div>
    <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z0f84fb0267de4898aa6ff4a70d608dff">

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            <div style="margin-left: 21.6pt; font-family: Wingdings;">&#8226;</div>
          </td>
          <td style="width: auto; vertical-align: top;">
            <div style="text-align: justify;">Each payment will be applied first to interest accrued to the date of receipt of each payment, and the balance, if any, will be applied to principal.</div>
          </td>
        </tr>

    </table>
  </div>
  <div><br>
  </div>
  <div><br>
  </div>
  <div>
    <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z42e125202e934009b20493af20280173">

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            <div style="margin-left: 21.6pt; font-family: Wingdings;">&#8226;</div>
          </td>
          <td style="width: auto; vertical-align: top;">
            <div style="text-align: justify;">Each payment will be made when due even if at that time the full amount of the Loan has not yet been advanced or the authorized amount of the Loan has been reduced.</div>
          </td>
        </tr>

    </table>
  </div>
  <div>&#160;</div>
  <div><br>
  </div>
  <div>&#160;</div>
  <div style="margin-right: 47.5pt; font-weight: bold;"><u>C</u><u>OLLATERAL</u></div>
  <div>&#160;</div>
  <div style="margin-right: 47.5pt; margin-left: 36pt;">Borrower and/or Guarantor will provide the following collateral:</div>
  <div><br>
  </div>
  <div>
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          <td style="width: 39.6pt; vertical-align: top; align: right;">
            <div style="margin-left: 21.6pt; font-family: Wingdings;">&#8226;</div>
          </td>
          <td style="width: auto; vertical-align: top;">
            <div style="text-align: justify;">Borrower hereby grants to Lender, the secured party hereunder, a continuing security interest in and to any and all Collateral as described herein to secure payment&#160; and&#160; performance&#160; of all&#160; debts,&#160;
              liabilities&#160; and&#160; obligations of Borrower to Lender hereunder without limitation, including&#160; but&#160; not&#160; limited&#160; to all&#160; interest, other&#160; fees and&#160; expenses (all hereinafter called Obligations). The Collateral includes the following property
              that Borrower now owns or shall acquire or create immediately upon the acquisition or creation thereof: all tangible and intangible personal property, including, but not limited to: (a) inventory, (b) equipment, (c) instruments, including&#160;
              promissory&#160; notes (d) chattel paper, including tangible chattel paper and electronic chattel paper, (e) documents, (f) letter of credit&#160; rights,&#160; (g) accounts, including health-care insurance receivables and&#160; credit&#160; card&#160; receivables,&#160; (h)
              deposit&#160; accounts,&#160; (i) commercial tort claims, (j)&#160;general intangibles, including payment intangibles and software and (k) as-extracted collateral as such terms may from time to time be defined in the Uniform Commercial Code. The security
              interest Borrower grants includes all accessions,&#160; attachments,&#160; accessories,&#160; parts,&#160; supplies&#160; and&#160; replacements&#160; for&#160; the Collateral, all products. proceeds and collections thereof and all records and data relating thereto.</div>
          </td>
        </tr>

    </table>
  </div>
  <div>&#160;</div>
  <div><br>
  </div>
  <div>&#160;</div>
  <div style="margin-right: 47.5pt; font-weight: bold;"><u>RE</u><u>Q</u><u>UIREMENTS RELATIVE TO COLLATERAL</u></div>
  <div>&#160;</div>
  <div>
    <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="zee70298d84274e94bda6edc902fc70c1">

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            <div style="margin-left: 21.6pt; font-family: Wingdings;">&#8226;</div>
          </td>
          <td style="width: auto; vertical-align: top;">
            <div style="text-align: justify;">Borrower will submit to SBA evidence of SBA's recorded lien position and of payment of appropriate fees prior to the disbursement of Loan funds in excess of <font style="font-weight: bold;"><u>$25,000.00.</u></font>
              Such evidence will be in a form satisfactory to SBA Counsel and will be at Borrower's expense.</div>
          </td>
        </tr>

    </table>
  </div>
  <div>&#160;</div>
  <div><br>
  </div>
  <div>
    <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z435f7b619a4245aaa557e88df54c36ec">

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          <td style="width: 39.6pt; vertical-align: top; align: right;">
            <div style="margin-left: 21.6pt; font-family: Wingdings;">&#8226;</div>
          </td>
          <td style="width: auto; vertical-align: top;">
            <div style="text-align: justify;">Borrower will not sell or transfer any collateral (except normal inventory turnover in the ordinary course of business) described in the "Collateral" paragraph hereof without the prior written consent of SBA.</div>
          </td>
        </tr>

    </table>
  </div>
  <div> <br>
  </div>
  <div> <br>
  </div>
  <div>&#160;
    <div id="DSPFPageHeader"></div>
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        <tr>
          <td style="width: 33.33%; vertical-align: top;">
            <div style="margin-right: 20pt; font-size: 8pt;">SBA&#160; Form 1391 (5&#183;00)</div>
          </td>
          <td style="width: 33.33%; vertical-align: top;">
            <div style="text-align: center; margin-right: 20pt;"><font style="font-size: 8pt;">Page 1</font></div>
          </td>
          <td style="width: 33.34%; vertical-align: top;">
            <div style="text-align: right; margin-right: 20pt; font-size: 8pt;">Ref 5030</div>
          </td>
        </tr>

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      </div>
      <div>&#160;</div>
      <div style="margin-right: 2pt; font-size: 8pt;">Application&#160;# 2000067140/EIDL 4316357010</div>
    </div>
  </div>
  <div><br>
  </div>
  <div>
    <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z15a7ad421da448898a0c92355688db05">

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          <td style="width: 39.6pt; vertical-align: top; align: right;">
            <div style="margin-left: 21.6pt; font-family: Wingdings;">&#8226;</div>
          </td>
          <td style="width: auto; vertical-align: top;">
            <div style="text-align: justify;">Borrower will neither seek nor accept future advances under any superior liens on the collateral securing this Loan without the prior written consent of SBA.</div>
          </td>
        </tr>

    </table>
  </div>
  <div>&#160;</div>
  <div><br>
  </div>
  <div>&#160;</div>
  <div style="margin-right: 51.5pt; font-weight: bold;"><u>USE OF LOAN PROCEEDS</u></div>
  <div>&#160;</div>
  <div style="margin-right: 51.5pt;">Borrower will use the proceeds of this Loan solely to alleviate economic injury caused by disaster occurring in the month of <font style="font-weight: bold;"><u>January, 2020.</u></font></div>
  <div>&#160;</div>
  <div><br>
  </div>
  <div style="margin-right: 51.5pt;">Borrower will apply all Loan proceeds in the following approximate amounts to the specific uses below:</div>
  <div style="text-indent: 22.5pt; margin-right: 51.5pt;">Economic Injury:</div>
  <div style="text-indent: 36pt; margin-right: 51.5pt;">Working Capital &#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;.$ 500,000.00</div>
  <div><br>
  </div>
  <div>&#160;</div>
  <div><br>
  </div>
  <div>&#160;</div>
  <div style="margin-right: 51.5pt; font-weight: bold;"><u>REQUIREMENTS FOR USE OF LOAN PROCEEDS AND RECEIPTS</u></div>
  <div>&#160;</div>
  <div>
    <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z6be65e1e317d4d9d99c20b33c4a342ef">

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          <td style="width: 39.6pt; vertical-align: top; align: right;">
            <div style="margin-left: 21.6pt; font-family: Wingdings;">&#8226;</div>
          </td>
          <td style="width: auto; vertical-align: top;">
            <div style="text-align: justify;">Borrower will obtain and itemize receipts (paid receipts, paid invoices or cancelled checks) and contracts for all Loan funds spent and retain these receipts for 3 years from the date of the final disbursement.
              Prior to each subsequent disbursement (if any) and whenever requested by <font style="font-weight: bold;">SBA, </font>Borrower will submit to SBA such itemization together with copies of the receipts.</div>
          </td>
        </tr>

    </table>
  </div>
  <div>&#160;</div>
  <div><br>
  </div>
  <div>
    <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="zec26ee573e994e2eb72d7cefe7771fb2">

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          <td style="width: 39.6pt; vertical-align: top; align: right;">
            <div style="margin-left: 21.6pt; font-family: Wingdings;">&#8226;</div>
          </td>
          <td style="width: auto; vertical-align: top;">
            <div style="text-align: justify;">Borrower will not use any proceeds of this Loan to pay wages or any other compensation for repair work performed by Borrower or members of Borrower's immediate family, or to pay overhead or profit for repairs
              performed by, or materials acquired from, a business in which Borrower owns a 50% or greater interest.</div>
          </td>
        </tr>

    </table>
  </div>
  <div>&#160;</div>
  <div><br>
  </div>
  <div>
    <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z0ea6b7102d764769939e5f582265bae5">

        <tr>
          <td style="width: 39.6pt; vertical-align: top; align: right;">
            <div style="margin-left: 21.6pt; font-family: Wingdings;">&#8226;</div>
          </td>
          <td style="width: auto; vertical-align: top;">
            <div style="text-align: justify;">Borrower will not use, directly or indirectly, any portion of the proceeds of this Loan to relocate without the prior written permission of SBA. The law prohibits the use of any portion of the proceeds of this
              Loan for voluntary relocation from the business area in which the disaster occurred. To request SBA's prior written permission to relocate, Borrower will present to SBA the reasons therefore and a description or address of the relocation
              site. Determinations of (1) whether a relocation is voluntary or otherwise, and (2) whether any site other than the disaster-affected location is within the business area in which the disaster occurred, will be made solely by SBA.</div>
          </td>
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    </table>
  </div>
  <div>&#160;</div>
  <div><br>
  </div>
  <div>
    <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z68ca1a2a92cc4c058d14ca64d5f57953">

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          <td style="width: 39.6pt; vertical-align: top; align: right;">
            <div style="margin-left: 21.6pt; font-family: Wingdings;">&#8226;</div>
          </td>
          <td style="width: auto; vertical-align: top;">
            <div style="text-align: justify;">Borrower will, to the extent feasible, purchase only American-made equipment and products with the proceeds of this Loan.</div>
          </td>
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    </table>
  </div>
  <div><br>
  </div>
  <div><br>
  </div>
  <div>
    <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z68c02902567d4011a0d8789aa85bc251">

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          <td style="width: 39.6pt; vertical-align: top; align: right;">
            <div style="margin-left: 21.6pt; font-family: Wingdings;">&#8226;</div>
          </td>
          <td style="width: auto; vertical-align: top;">
            <div style="text-align: justify;">Borrower will make any request for a loan increase for additional disaster-related damages as soon as possible after the need for a loan increase is discovered. The SBA will not consider a request for a loan
              increase received more than <font style="font-weight: bold;"><u>two (2) years</u></font><font style="font-weight: bold;">&#160;</font>from the date of loan approval unless, in the sole discretion of the SBA, there are extraordinary and
              unforeseeable circumstances beyond the control of the borrower.</div>
          </td>
        </tr>

    </table>
  </div>
  <div><br>
  </div>
  <div>&#160;</div>
  <div style="margin-right: 51.85pt; font-weight: bold;"><u>DEADLINE FOR RETURN OF LOAN CLOSING DOCUMENTS</u></div>
  <div>&#160;</div>
  <div>
    <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="zcb84339f2f944aedbb696ac07777c524">

        <tr>
          <td style="width: 39.6pt; vertical-align: top; align: right;">
            <div style="margin-left: 21.6pt; font-family: Wingdings;">&#8226;</div>
          </td>
          <td style="width: auto; vertical-align: top;">
            <div style="text-align: justify;"><font style="font-weight: bold;">Borrower will sign and return the loan closing documents to SBA within 2 months of the date of this Loan Authorization and Agreement. </font>By notifying the Borrower in
              writing, SBA may cancel this Loan if the Borrower fails to meet this requirement. The Borrower may submit and the SBA may, in its sole discretion, accept documents after 2 months of the date of this Loan Authorization and Agreement.</div>
          </td>
        </tr>

    </table>
  </div>
  <div>&#160;</div>
  <div> <br>
  </div>
  <div style="margin-right: 51.85pt; font-weight: bold;"><u>COMPENSATION FROM OTHER SOURCES</u></div>
  <div>&#160;</div>
  <div>
    <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z6bab02bcf6ef418ca19d139a2d0f092a">

        <tr>
          <td style="width: 39.6pt; vertical-align: top; align: right;">
            <div style="margin-left: 21.6pt; font-family: Wingdings;">&#8226;</div>
          </td>
          <td style="width: auto; vertical-align: top;">
            <div style="text-align: justify;">Eligibility for this disaster Loan is limited to disaster losses that are not compensated by other sources. Other sources include but are not limited to: (1) proceeds of policies of insurance or other
              indemnifications, (2) grants or other reimbursement (including loans) from government agencies or private organizations, (3) claims for civil liability against other individuals, organizations or governmental entities, and (4) salvage
              (including any sale or re-use) of items of damaged property.</div>
          </td>
        </tr>

    </table>
  </div>
  <div><br>
  </div>
  <div><br>
  </div>
  <div><br>
  </div>
  <div><br>
  </div>
  <div><br>
  </div>
  <div>
    <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

        <tr>
          <td style="width: 33.33%; vertical-align: top;">
            <div style="margin-right: 20pt; font-size: 8pt;">SBA&#160; Form 1391 (5&#183;00)</div>
          </td>
          <td style="width: 33.33%; vertical-align: top;">
            <div style="text-align: center; margin-right: 20pt;"><font style="font-size: 8pt;">Page&#160;</font><font style="font-size: 8pt;" id="DSPFPageNumber">2</font></div>
          </td>
          <td style="width: 33.34%; vertical-align: top;">
            <div style="text-align: right; margin-right: 20pt; font-size: 8pt;">Ref 5030</div>
          </td>
        </tr>

    </table>
  </div>
  <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
    <div style="page-break-after:always;" id="DSPFPageBreak">
      <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
    <div id="DSPFPageHeader">
      <div><br>
      </div>
      <div>&#160;</div>
      <div style="margin-right: 2pt; font-size: 8pt;">Application&#160;# 2000067140/EIDL 4316357010</div>
    </div>
  </div>
  <div>
    <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z168eaee192684ca5ac30ee9e50ed90f7">

        <tr>
          <td style="width: 39.6pt; vertical-align: top; align: right;">
            <div style="margin-left: 21.6pt; font-family: Wingdings;">&#8226;</div>
          </td>
          <td style="width: auto; vertical-align: top;">
            <div style="text-align: justify;">Borrower will promptly notify SBA of the existence and status or any claim or application for such other compensation, and of the receipt of any such compensation, and Borrower will promptly submit the proceeds
              of same (not exceeding the outstanding balance of this Loan) to SBA.</div>
          </td>
        </tr>

    </table>
  </div>
  <div><br>
  </div>
  <div><br>
  </div>
  <div>
    <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z5a26054c53f943a0bdf170650735c512">

        <tr>
          <td style="width: 39.6pt; vertical-align: top; align: right;">
            <div style="margin-left: 21.6pt; font-family: Wingdings;">&#8226;</div>
          </td>
          <td style="width: auto; vertical-align: top;">
            <div style="text-align: justify;">Borrower hereby assigns to SBA the proceeds of any such compensation from other sources and authorizes the payor of same to deliver said proceeds to SBA at such time and place as SBA shall designate.</div>
          </td>
        </tr>

    </table>
  </div>
  <div>&#160;</div>
  <div><br>
  </div>
  <div>
    <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="zb8bcb31be5cf4b7899d5ca29434901a7">

        <tr>
          <td style="width: 39.6pt; vertical-align: top; align: right;">
            <div style="margin-left: 21.6pt; font-family: Wingdings;">&#8226;</div>
          </td>
          <td style="width: auto; vertical-align: top;">
            <div style="text-align: justify;">SBA will in its sole discretion determine whether any such compensation from other sources is a duplication of benefits. SBA will use the proceeds of any such duplication to reduce the outstanding balance of
              this Loan, and Borrower agrees that such proceeds will not be applied in lieu of scheduled payments.</div>
          </td>
        </tr>

    </table>
  </div>
  <div>&#160;</div>
  <div><br>
  </div>
  <div>&#160;</div>
  <div style="margin-right: 47.5pt; font-weight: bold;"><u>DUTY TO MAINTAIN HAZARD INSURANCE</u></div>
  <div style="margin-right: 47.5pt; font-weight: bold;"><u> <br>
    </u></div>
  <div>&#160;</div>
  <div>
    <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z920df57f5e7443f68307aa2a9420d90e">

        <tr>
          <td style="width: 39.6pt; vertical-align: top; align: right;">
            <div style="margin-left: 21.6pt; font-family: Wingdings;">&#8226;</div>
          </td>
          <td style="width: auto; vertical-align: top;">
            <div style="text-align: justify;">Within 12 months from the date of this Loan Authorization and Agreement the Borrower will provide proof of an active and in effect hazard insurance policy including fire, lightning, and extended coverage on all
              items used to secure this loan to at least 80% of the insurable value. Borrower will not cancel such coverage and will maintain such coverage throughout the entire term of this Loan. <font style="font-weight: bold;">BORROWER MAY NOT BE
                ELIGIBLE FOR EITHER ANY FUTURE DISASTER ASSISTANCE OR SBA FINANCIAL ASSISTANCE IF THIS INSURANCE IS NOT MAINTAINED AS STIPULATED HEREIN THROUGHOUT THE ENTIRE TERM OF THIS LOAN. </font>Please submit proof of insurance to: U.S. Small
              Business Administration, Office of Disaster Assistance, 14925 Kingsport Rd, Fort Worth , TX. 76155</div>
          </td>
        </tr>

    </table>
  </div>
  <div>&#160;</div>
  <div><br>
  </div>
  <div>&#160;</div>
  <div><br>
  </div>
  <div style="margin-right: 47.5pt; font-weight: bold;"><u>BOOKS AND RECORDS</u></div>
  <div style="margin-right: 47.5pt; font-weight: bold;"><u> <br>
    </u></div>
  <div>&#160;</div>
  <div>
    <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z665c3a0356b9402cacb427c64521dc58">

        <tr>
          <td style="width: 39.6pt; vertical-align: top; align: right;">
            <div style="margin-left: 21.6pt; font-family: Wingdings;">&#8226;</div>
          </td>
          <td style="width: auto; vertical-align: top;">
            <div style="text-align: justify;">Borrower will maintain current and proper books of account in a manner satisfactory to SBA for the most recent 5 years until 3 years after the date of maturity, including extensions, or the date this Loan is
              paid in full, whichever occurs first. Such books will include Borrower's financial and operating statements, insurance policies, tax returns and related filings, records&#160;of earnings distributed and dividends paid and records of compensation
              to officers, directors, holders of 10%&#160;or more of Borrower's capital stock, members, partners and proprietors.</div>
          </td>
        </tr>

    </table>
  </div>
  <div>&#160;</div>
  <div><br>
  </div>
  <div>
    <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z0ec91ec3b2144407a46a653f7497547c">

        <tr>
          <td style="width: 39.6pt; vertical-align: top; align: right;">
            <div style="margin-left: 21.6pt; font-family: Wingdings;">&#8226;</div>
          </td>
          <td style="width: auto; vertical-align: top;">
            <div style="text-align: justify;">Borrower authorizes SBA to make or cause to be made, at Borrower's expense and in such a manner and at such times as SBA may require: (1) inspections and audits of any books, records and paper in the custody or
              control of Borrower or others relating to Borrower's financial or business conditions, including the making of copies thereof and extracts therefrom, and (2) inspections and appraisals of any of Borrower's assets.</div>
          </td>
        </tr>

    </table>
  </div>
  <div>&#160;</div>
  <div><br>
  </div>
  <div>
    <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="zd0ff08be2b68484c939dd03440db5e31">

        <tr>
          <td style="width: 39.6pt; vertical-align: top; align: right;">
            <div style="margin-left: 21.6pt; font-family: Wingdings;">&#8226;</div>
          </td>
          <td style="width: auto; vertical-align: top;">
            <div style="text-align: justify;">Borrower will furnish to <font style="font-weight: bold;">SBA, </font>not later than 3 months following the expiration of Borrower's fiscal year and in such form as SBA may require, Borrower's financial
              statements.</div>
          </td>
        </tr>

    </table>
  </div>
  <div>&#160;</div>
  <div><br>
  </div>
  <div>
    <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="zfdfdd740747240cf8378cd8f8e34a50d">

        <tr>
          <td style="width: 39.6pt; vertical-align: top; align: right;">
            <div style="margin-left: 21.6pt; font-family: Wingdings;">&#8226;</div>
          </td>
          <td style="width: auto; vertical-align: top;">
            <div style="text-align: justify;">Upon written request of <font style="font-weight: bold;">SBA, </font>Borrower will accompany such statements with an 'Accountant's Review Report' prepared by an independent public accountant at Borrower's
              expense.</div>
          </td>
        </tr>

    </table>
  </div>
  <div>&#160;</div>
  <div><br>
  </div>
  <div>
    <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z7b154189edfb4a3fbf1b02f77bb2ddb9">

        <tr>
          <td style="width: 39.6pt; vertical-align: top; align: right;">
            <div style="margin-left: 21.6pt; font-family: Wingdings;">&#8226;</div>
          </td>
          <td style="width: auto; vertical-align: top;">
            <div style="text-align: justify;">Borrower authorizes all Federal, State and municipal authorities to furnish reports of examination, records and other information relating to the conditions and affairs of Borrower and any desired information
              from such reports, returns, files, and records of such authorities upon request of SBA.</div>
          </td>
        </tr>

    </table>
  </div>
  <div>&#160;</div>
  <div><br>
  </div>
  <div>&#160;</div>
  <div style="margin-right: 47.5pt; font-weight: bold;"><u>LIMIT ON DISTRIBUTION OF ASSETS</u></div>
  <div style="margin-right: 47.5pt; font-weight: bold;"><u> <br>
    </u></div>
  <div>&#160;</div>
  <div>
    <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z65c77c7a7e0a46f3b94bcf639f0a2232">

        <tr>
          <td style="width: 39.6pt; vertical-align: top; align: right;">
            <div style="margin-left: 21.6pt; font-family: Wingdings;">&#8226;</div>
          </td>
          <td style="width: auto; vertical-align: top;">
            <div style="text-align: justify;">Borrower will not, without the prior written consent of SBA, make any distribution of Borrower's assets, or give any preferential treatment, make any advance, directly or indirectly, by way of loan, gift,
              bonus, or otherwise, to any owner or partner or any of its employees, or to any company directly or indirectly controlling or affiliated with or controlled by Borrower, or any other company.</div>
          </td>
        </tr>

    </table>
  </div>
  <div>&#160;</div>
  <div> <br>
  </div>
  <div style="text-align: justify; margin-right: 47.5pt; font-weight: bold;"><u>EQUAL OPPORTUNITY REQUIREMENT</u></div>
  <div>&#160;</div>
  <div> <br>
  </div>
  <div>
    <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z0e6aee45ac704396a273cd1c5df90200">

        <tr>
          <td style="width: 39.6pt; vertical-align: top; align: right;">
            <div style="margin-left: 21.6pt; font-family: Wingdings;">&#8226;</div>
          </td>
          <td style="width: auto; vertical-align: top;">
            <div style="text-align: justify;">If Borrower has or intends to have employees, Borrower will post SBA Form 722, Equal Opportunity Poster, in Borrower's place of business where it will be clearly visible to employees, applicants for employment,
              and the general public.</div>
          </td>
        </tr>

    </table>
  </div>
  <div><br>
  </div>
  <div>&#160;</div>
  <div><br>
  </div>
  <div><br>
  </div>
  <div>&#160;</div>
  <div>
    <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

        <tr>
          <td style="width: 33.33%; vertical-align: top;">
            <div style="margin-right: 20pt; font-size: 8pt;">SBA&#160; Form 1391 (5&#183;00)</div>
          </td>
          <td style="width: 33.33%; vertical-align: top;">
            <div style="text-align: center; margin-right: 20pt;"><font style="font-size: 8pt;">Page&#160;</font><font style="font-size: 8pt;" id="DSPFPageNumber">3</font></div>
          </td>
          <td style="width: 33.34%; vertical-align: top;">
            <div style="text-align: right; margin-right: 20pt; font-size: 8pt;">Ref 5030</div>
          </td>
        </tr>

    </table>
  </div>
  <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
    <div style="page-break-after:always;" id="DSPFPageBreak">
      <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
    <div id="DSPFPageHeader">
      <div><br>
      </div>
      <div>&#160;</div>
      <div style="margin-right: 2pt; font-size: 8pt;">Application&#160;# 2000067140/EIDL 4316357010</div>
    </div>
  </div>
  <br>
  <div>&#160;</div>
  <div style="margin-right: 47.5pt; font-weight: bold;"><u>RESQLUTION OF BOARD OF DIRECTORS</u></div>
  <div>&#160;</div>
  <div><br>
  </div>
  <div>
    <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="zba3a038866d64ba7964071d016654863">

        <tr>
          <td style="width: 39.6pt; vertical-align: top; align: right;">
            <div style="margin-left: 21.6pt; font-family: Wingdings;">&#8226;</div>
          </td>
          <td style="width: auto; vertical-align: top;">
            <div style="text-align: justify;">Prior to disbursement of any Loan funds, Borrower will submit a Board of Directors' Resolution on SBA Form 160 for:</div>
          </td>
        </tr>

    </table>
  </div>
  <div>&#160;</div>
  <div style="text-indent: 36.3pt; margin-right: 47.5pt; margin-left: 17.7pt;">STRATA SKIN SCIENCES, INC.</div>
  <div><br>
  </div>
  <div><br>
  </div>
  <div>&#160;</div>
  <div style="margin-right: 47.5pt; font-weight: bold;"><u>DISCLOSURE OF LOBBYING A</u><u>C</u><u>TIVITIES</u></div>
  <div>&#160;</div>
  <div> <br>
  </div>
  <div>
    <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="zbfbe6bc8c77c4df4948a17655a180da8">

        <tr>
          <td style="width: 39.6pt; vertical-align: top; align: right;">
            <div style="margin-left: 21.6pt; font-family: Wingdings;">&#8226;</div>
          </td>
          <td style="width: auto; vertical-align: top;">
            <div style="text-align: justify;">Prior to disbursement of any Loan funds, Borrower will complete the Certification Regarding Lobbying and the Disclosure of Lobbying Activities (if appropriate), and submit the required document(s) to SBA.</div>
          </td>
        </tr>

    </table>
  </div>
  <div>&#160;</div>
  <div><br>
  </div>
  <div>&#160;</div>
  <div style="margin-right: 47.5pt; font-weight: bold;"><u>BORROWER</u><u>'</u><u>S CERTIFICATIONS</u></div>
  <div>&#160;</div>
  <div><br>
  </div>
  <div style="text-indent: 18.2pt; margin-right: 47.5pt;">Borrower certifies that:</div>
  <div>&#160;</div>
  <div><br>
  </div>
  <div>
    <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="zed1a2dd04e8a41458b4419bfeeff9a72">

        <tr>
          <td style="width: 39.6pt; vertical-align: top; align: right;">
            <div style="margin-left: 21.6pt; font-family: Wingdings;">&#8226;</div>
          </td>
          <td style="width: auto; vertical-align: top;">
            <div style="text-align: justify;">Borrower will not use lead-based paint on any interior surface of any residential structure, and those exterior surfaces of residential structures such as stairs, porches, windows, and doors, which are readily
              accessible to children under 7 years of age. If lead-based paint is improperly used, the Borrower will be required to remove the paint and repaint the affected area at the Borrower's expense.</div>
          </td>
        </tr>

    </table>
  </div>
  <div>&#160;</div>
  <div><br>
  </div>
  <div>
    <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z859adb0e974e4a27b7dfec958b72cee9">

        <tr>
          <td style="width: 39.6pt; vertical-align: top; align: right;">
            <div style="margin-left: 21.6pt; font-family: Wingdings;">&#8226;</div>
          </td>
          <td style="width: auto; vertical-align: top;">
            <div style="text-align: justify;">There has been no substantial adverse change in Borrower's financial condition (and organization, in case of a business borrower) since the date of the application for this Loan. (Adverse changes include, but
              are not limited to: judgment liens, tax liens, mechanic's liens, bankruptcy, financial reverses, arrest or conviction of felony, etc.)</div>
          </td>
        </tr>

    </table>
  </div>
  <div><br>
  </div>
  <div><br>
  </div>
  <div>
    <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z277c91d7739f456dbc3d651927a16fb6">

        <tr>
          <td style="width: 39.6pt; vertical-align: top; align: right;">
            <div style="margin-left: 21.6pt; font-family: Wingdings;">&#8226;</div>
          </td>
          <td style="width: auto; vertical-align: top;">
            <div style="text-align: justify;">No fees have been paid, directly or indirectly, to any representative (attorney, accountant, etc.) for services provided or to be provided in connection with applying for or closing this Loan, other than those
              reported on SBA Form 5 Business Disaster Loan Application'; or SBA Form 1 59, 'Compensation Agreement'. All fees not approved by SBA are prohibited.</div>
          </td>
        </tr>

    </table>
  </div>
  <div>&#160;</div>
  <div><br>
  </div>
  <div>
    <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z3bb245c2a2294ce3beb830c6e19a1e77">

        <tr>
          <td style="width: 39.6pt; vertical-align: top; align: right;">
            <div style="margin-left: 21.6pt; font-family: Wingdings;">&#8226;</div>
          </td>
          <td style="width: auto; vertical-align: top;">
            <div style="text-align: justify;">All representations in the Borrower's Loan application (including all supplementary submissions) are true, correct and complete and are offered to induce SBA to make this Loan.</div>
          </td>
        </tr>

    </table>
  </div>
  <div>&#160;</div>
  <div><br>
  </div>
  <div>
    <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z5821c918629e4ddd9eebdb630a2efcff">

        <tr>
          <td style="width: 39.6pt; vertical-align: top; align: right;">
            <div style="margin-left: 21.6pt; font-family: Wingdings;">&#8226;</div>
          </td>
          <td style="width: auto; vertical-align: top;">
            <div style="text-align: justify;">No claim or application for any other compensation for disaster losses has been submitted to or requested of any source, and no such other compensation has been received, other than that which Borrower has
              fully disclosed to SBA.</div>
          </td>
        </tr>

    </table>
  </div>
  <div><br>
  </div>
  <div><br>
  </div>
  <div>
    <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z3eb499d7d55c43a0942060e26c55bce7">

        <tr>
          <td style="width: 39.6pt; vertical-align: top; align: right;">
            <div style="margin-left: 21.6pt; font-family: Wingdings;">&#8226;</div>
          </td>
          <td style="width: auto; vertical-align: top;">
            <div style="text-align: justify;">Neither the Borrower nor, if the Borrower is a business, any principal who owns at least 50% of the Borrower, is delinquent more than 60 days under the terms of any: (a) administrative order; (b) court order;
              or (c) repayment agreement that requires payment of child support.</div>
          </td>
        </tr>

    </table>
  </div>
  <div><br>
  </div>
  <div><br>
  </div>
  <div>
    <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z3cbecb6dfd0149bd8a32d95be9f91042">

        <tr>
          <td style="width: 39.6pt; vertical-align: top; align: right;">
            <div style="margin-left: 21.6pt; font-family: Wingdings;">&#8226;</div>
          </td>
          <td style="width: auto; vertical-align: top;">
            <div style="text-align: justify;">Borrower certifies that no fees have been paid, directly or indirectly, to any representative (attorney, accountant, etc.) for services provided or to be provided in connection with applying for or closing this
              Loan, other than those reported on the Loan Application. All fees not approved by SBA are prohibited. If an Applicant chooses to employ an Agent, the compensation an Agent charges to and that is paid by the Applicant must bear a necessary and
              reasonable relationship to the services actually performed and must be comparable to those charged by other Agents in the geographical area. Compensation cannot be contingent on loan approval. In addition, compensation must not include any
              expenses which are deemed by SBA to be unreasonable for services actually performed or expenses actually incurred. Compensation must not include charges prohibited in 13 CFR 103 or SOP 50-30, Appendix I. <font style="font-weight: bold;"><u>If
                  the compensation exceeds $500 for a disaster home loan or $2,500 for a disaster business loan, Borrower must fill out the Compensation Agreement Form 159D which will be provided for Borrower upon request or can be found on the SBA
                  website.</u></font></div>
          </td>
        </tr>

    </table>
  </div>
  <div>&#160;</div>
  <div><br>
  </div>
  <div>
    <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="zbc55e7c532114134a32487e025b16d72">

        <tr>
          <td style="width: 36pt; vertical-align: top; align: right;">
            <div style="margin-left: 18.2pt; font-family: Wingdings;">&#8226;</div>
          </td>
          <td style="width: auto; vertical-align: top;">
            <div style="text-align: justify;">The Borrower(s) are the owner(s) of and hold legal title to certain real estate property fully described in Section 2 -Collateral.&#160; Said premises are in my/our possession, and my/our title thereto has never
              been disputed or questioned as to any part thereof. Said premises are free of all mortgages, taxes, assessments, liens, encumbrances, and claims,</div>
          </td>
        </tr>

    </table>
  </div>
  <div>&#160;</div>
  <div><br>
  </div>
  <div>&#160;</div>
  <div><br>
  </div>
  <div>&#160;</div>
  <div>
    <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

        <tr>
          <td style="width: 33.33%; vertical-align: top;">
            <div style="margin-right: 20pt; font-size: 8pt;">SBA&#160; Form 1391 (5&#183;00)</div>
          </td>
          <td style="width: 33.33%; vertical-align: top;">
            <div style="text-align: center; margin-right: 20pt;"><font style="font-size: 8pt;">Page&#160;</font><font style="font-size: 8pt;" id="DSPFPageNumber">4</font></div>
          </td>
          <td style="width: 33.34%; vertical-align: top;">
            <div style="text-align: right; margin-right: 20pt; font-size: 8pt;">Ref 5030</div>
          </td>
        </tr>

    </table>
  </div>
  <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
    <div style="page-break-after:always;" id="DSPFPageBreak">
      <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
    <div id="DSPFPageHeader">
      <div><br>
      </div>
      <div>&#160;</div>
      <div style="margin-right: 2pt; font-size: 8pt;">Application&#160;# 2000067140/EIDL 4316357010</div>
    </div>
  </div>
  <br>
  <div>&#160;</div>
  <div style="text-indent: 0.05pt; margin-right: 29pt; margin-left: 36pt;">or<font style="font-style: italic;">&#160;</font>interest of any other party, except as listed in Section 2 of this document. There are no actions pending affecting said real property.</div>
  <div><br>
  </div>
  <div>&#160;</div>
  <div><br>
  </div>
  <div style="margin-right: 47.5pt; font-weight: bold;"><u>CIVIL AND CRIMINAL PENALTIES</u></div>
  <div>&#160;</div>
  <div><br>
  </div>
  <div>
    <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="zb00a3c710c0447c3b063902a1104c64b">

        <tr>
          <td style="width: 39.6pt; vertical-align: top; align: right;">
            <div style="margin-left: 21.6pt; font-family: Wingdings;">&#8226;</div>
          </td>
          <td style="width: auto; vertical-align: top;">
            <div style="text-align: justify;">Whoever wrongfully misapplies the proceeds of an SBA disaster loan shall be civilly liable to the Administrator in an amount equal to one-and-one half times the original principal amount of the loan under 15
              U.S.C. 636(b). In addition, any false statement or misrepresentation to SBA may result in criminal, civil or administrative sanctions including, but not limited to: 1) fines, imprisonment or both, under 15 U.S.C. 645, 18 U.S.C. 1001, 18
              U.S.C. 1014, 18 U.S.C. 1040, 18 U.S.C. 3571, and any other applicable laws; 2) treble damages and civil penalties under the False Claims Act, 31 U.S.C. 3729;3) double damages and civil penalties under the Program Fraud Civil Remedies Act, 31
              U.S.C. 3802; and 4) suspension and/or debarment from all Federal procurement and non-procurement transactions. Statutory fines may increase if amended by the Federal Civil Penalties Inflation Adjustment Act Improvements Act of 2015.</div>
          </td>
        </tr>

    </table>
  </div>
  <div><br>
  </div>
  <div>&#160;</div>
  <div style="margin-right: 47.5pt; font-weight: bold;"><u>RESULT OF VIOLATION OF THIS LOAN AUTHORIZATION&#160;AND&#160;</u><u>AGREEMENT</u></div>

  <div style="margin-right: 47.5pt; font-weight: bold;"> <u><br>
    </u></div>
  <div><br>
  </div>
  <div>
    <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z637c57a8af914955b61cce2a9b1f54e8">

        <tr>
          <td style="width: 39.6pt; vertical-align: top; align: right;">
            <div style="margin-left: 21.6pt; font-family: Wingdings;">&#8226;</div>
          </td>
          <td style="width: auto; vertical-align: top;">
            <div style="text-align: justify;">If Borrower violates any of the terms or conditions or this Loan Authorization and Agreement, the Loan will be in default and SBA may declare all or any part of the indebtedness immediately due and payable.
              SBA's failure to exercise its rights under this paragraph will not constitute a waiver.</div>
          </td>
        </tr>

    </table>
  </div>
  <div>&#160;</div>
  <div><br>
  </div>
  <div>
    <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z1a6a0bc417684cd8956e9785bf13e03a">

        <tr>
          <td style="width: 39.6pt; vertical-align: top; align: right;">
            <div style="margin-left: 21.6pt; font-family: Wingdings;">&#8226;</div>
          </td>
          <td style="width: auto; vertical-align: top;">
            <div style="text-align: justify;">A default (or any violation of any of the terms and conditions) of any SBA Loan(s) to Borrower and/or its affiliates will be considered a default of all such Loan(s).</div>
          </td>
        </tr>

    </table>
  </div>
  <div><br>
  </div>
  <div style="margin-right: 47.5pt; font-weight: bold;"><u> <br>
    </u></div>
  <div style="margin-right: 47.5pt; font-weight: bold;"><u>DISBURSEMENT OF THE</u><u>&#160;</u><u>LOAN</u></div>
  <div>&#160;</div>
  <div><br>
  </div>
  <div>
    <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="ze00c24a489864ca791f45fb840b68e4a">

        <tr>
          <td style="width: 39.6pt; vertical-align: top; align: right;">
            <div style="margin-left: 21.6pt; font-family: Wingdings;">&#8226;</div>
          </td>
          <td style="width: auto; vertical-align: top;">
            <div style="text-align: justify;">Disbursements will be made by and at the discretion of SBA Counsel, in accordance with this Loan Authorization and Agreement and the general requirements of SBA.</div>
          </td>
        </tr>

    </table>
  </div>
  <div>&#160;</div>
  <div><br>
  </div>
  <div>
    <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z5780e8e3508c4ee7a578650c8243e312">

        <tr>
          <td style="width: 39.6pt; vertical-align: top; align: right;">
            <div style="margin-left: 21.6pt; font-family: Wingdings;">&#8226;</div>
          </td>
          <td style="width: auto; vertical-align: top;">
            <div style="text-align: justify;">Disbursements may be made in increments as needed.</div>
          </td>
        </tr>

    </table>
  </div>
  <div>&#160;</div>
  <div><br>
  </div>
  <div>
    <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="zc57545fd55bc4146bd6c5958c06b1c2f">

        <tr>
          <td style="width: 39.6pt; vertical-align: top; align: right;">
            <div style="margin-left: 21.6pt; font-family: Wingdings;">&#8226;</div>
          </td>
          <td style="width: auto; vertical-align: top;">
            <div style="text-align: justify;">Other conditions may be imposed by SBA pursuant to general requirements of SBA.</div>
          </td>
        </tr>

    </table>
  </div>
  <div><br>
  </div>
  <div><br>
  </div>
  <div>
    <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z1bb64c8ad55942d38fcfd14323a4f51f">

        <tr>
          <td style="width: 39.6pt; vertical-align: top; align: right;">
            <div style="margin-left: 21.6pt; font-family: Wingdings;">&#8226;</div>
          </td>
          <td style="width: auto; vertical-align: top;">
            <div style="text-align: justify;">Disbursement may be withheld if, in SBA's sole discretion, there has been an adverse change in Borrower's financial condition or in any other material fact represented in the Loan application, or if Borrower
              fails to meet any of the terms or conditions of this Loan Authorization and Agreement.</div>
          </td>
        </tr>

    </table>
  </div>
  <div>&#160;</div>
  <div><br>
  </div>
  <div>
    <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z5824ac818f7449be9460030201259b8f">

        <tr>
          <td style="width: 36pt; vertical-align: top; align: right;">
            <div style="margin-left: 14.4pt; font-weight: bold;">&#160;&#160; &#8226;</div>
          </td>
          <td style="width: auto; vertical-align: top;">
            <div style="text-align: justify; font-weight: bold;">NO DISBURSEMENT WILL BE MADE LATER THAN 6 MONTHS FROM THE DATE OF THIS LOAN AUTHORIZATION AND AGREEMENT UNLESS SBA, IN ITS SOLE DISCRETION, EXTENDS THIS DISBURSEMENT PERIOD.</div>
          </td>
        </tr>

    </table>
  </div>
  <div>&#160;</div>
  <div><br>
  </div>
  <div>&#160;</div>
  <div style="margin-right: 47.5pt; font-weight: bold;"><u>PARTIES AFFECTED</u></div>
  <div>&#160;</div>
  <div><br>
  </div>
  <div>
    <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="zb3fadda63e214ef39c56bcd698267723">

        <tr>
          <td style="width: 39.6pt; vertical-align: top; align: right;">
            <div style="margin-left: 21.6pt; font-family: Wingdings;">&#8226;</div>
          </td>
          <td style="width: auto; vertical-align: top;">
            <div style="text-align: justify;">This Loan Authorization and Agreement will be binding upon Borrower and Borrower's successors and assigns and will inure to the benefit of SBA and its successors and assigns.</div>
          </td>
        </tr>

    </table>
  </div>
  <div><br>
  </div>
  <div><br>
  </div>
  <div><br>
  </div>
  <div>&#160;</div>
  <div>
    <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

        <tr>
          <td style="width: 33.33%; vertical-align: top;">
            <div style="margin-right: 20pt; font-size: 8pt;">SBA&#160; Form 1391 (5&#183;00)</div>
          </td>
          <td style="width: 33.33%; vertical-align: top;">
            <div style="text-align: center; margin-right: 20pt;"><font style="font-size: 8pt;">Page </font><font style="font-size: 8pt;" id="DSPFPageNumber">5</font></div>
          </td>
          <td style="width: 33.34%; vertical-align: top;">
            <div style="text-align: right; margin-right: 20pt; font-size: 8pt;">Ref 5030</div>
          </td>
        </tr>

    </table>
  </div>
  <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
    <div style="page-break-after:always;" id="DSPFPageBreak">
      <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
    <div id="DSPFPageHeader">
      <div><br>
      </div>
      <div>&#160;</div>
      <div style="margin-right: 2pt; font-size: 8pt;">Application&#160;# 2000067140/EIDL 4316357010</div>
    </div>
  </div>
  <div><br>
  </div>
  <div>&#160;</div>
  <div><br>
  </div>
  <div>&#160;</div>
  <div><br>
  </div>
  <div style="margin-right: 47.5pt; font-weight: bold;"><u>DATE</u></div>
  <div>&#160;</div>
  <div><br>
  </div>
  <div>
    <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z4fea797ea44b4125bbf08e764e713b21">

        <tr>
          <td style="width: 36pt; vertical-align: top; align: right;">
            <div style="margin-left: 18.2pt; font-family: Wingdings;">&#8226;</div>
          </td>
          <td style="width: auto; vertical-align: top;">
            <div style="text-align: justify;">This Loan Authorization and Agreement is approved and issued on March 26, 2020.</div>
          </td>
        </tr>

    </table>
  </div>
  <div><br>
  </div>
  <div><br>
  </div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;" id="z4f9ebc9168ef4e21a9483cae9fd502ac">

      <tr>
        <td style="width: 49.04%; vertical-align: top; padding-bottom: 2px;">&#160;</td>
        <td style="width: 50.96%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
          <div style="margin-right: 47.5pt;">Administrator</div>
        </td>
      </tr>
      <tr>
        <td style="width: 49.04%; vertical-align: top;">&#160;</td>
        <td style="width: 50.96%; vertical-align: top;">
          <div style="margin-right: 47.5pt;">Jovita Carranza</div>
        </td>
      </tr>
      <tr>
        <td style="width: 49.04%; vertical-align: top; padding-bottom: 2px;">&#160;</td>
        <td style="width: 50.96%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
          <div>&#160;</div>
          <div>&#160;</div>
          <div style="margin-right: 47.5pt;">/s/ James E. Rivera</div>
        </td>
      </tr>
      <tr>
        <td style="width: 49.04%; vertical-align: top;">&#160;</td>
        <td style="width: 50.96%; vertical-align: top;">
          <div style="margin-right: 47.5pt;">James E. Rivera</div>
        </td>
      </tr>
      <tr>
        <td style="width: 49.04%; vertical-align: top;">&#160;</td>
        <td style="width: 50.96%; vertical-align: top;">
          <div style="margin-right: 47.5pt;">Associate Administrator</div>
        </td>
      </tr>
      <tr>
        <td style="width: 49.04%; vertical-align: top;">&#160;</td>
        <td style="width: 50.96%; vertical-align: top;">
          <div style="margin-right: 47.5pt;">U.S. Small Business Administration</div>
        </td>
      </tr>
      <tr>
        <td style="width: 49.04%; vertical-align: top;">&#160;</td>
        <td style="width: 50.96%; vertical-align: top;">&#160;</td>
      </tr>

  </table>
  <div><br>
  </div>
  <div><br>
  </div>
  <div>&#160;</div>
  <div style="text-align: justify; margin-right: 15.5pt; font-family: 'Times New Roman',Times,serif;">The undersigned agree(s) to be bound by the terms and conditions herein during the term of this Loan, and further agree(s) that no provision stated herein
    will be waived without prior written consent of SBA.</div>
  <div><br>
  </div>
  <div>&#160;</div>
  <div><br>
  </div>
  <div style="margin-right: 47.5pt; margin-left: 103.5pt; font-weight: bold;">Corporate Execution:</div>
  <div>&#160;</div>
  <div><br>
  </div>
  <div style="margin-right: 47.5pt; margin-left: 112.5pt;">STRATA SKIN<font style="font-weight: bold;">&#160;</font>SCIENCES , INC.</div>
  <div><br>
  </div>
  <div><br>
  </div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;" id="zfdb31cc599bd4f5f9af9fff02704b49a">

      <tr>
        <td style="width: 24.69%; vertical-align: top;">&#160;</td>
        <td style="width: 6.81%; vertical-align: bottom;">
          <div style="margin-right: 8.25pt;">BY:</div>
        </td>
        <td style="width: 31.5%; vertical-align: bottom; border-bottom: #000000 2px solid;">
          <div style="margin-right: 39.75pt;">/s/ Dolev Rafaeli</div>
        </td>
        <td style="width: 2.55%; vertical-align: top;">&#160;</td>
        <td style="width: 8.51%; vertical-align: bottom;">
          <div style="margin-right: 8.25pt;">Date:</div>
        </td>
        <td style="width: 22.13%; vertical-align: bottom; border-bottom: #000000 2px solid;">
          <div style="margin-right: 47.5pt;">5/15/20</div>
        </td>
        <td style="width: 3.8%; vertical-align: top;">&#160;</td>
      </tr>
      <tr>
        <td style="width: 24.69%; vertical-align: top;">&#160;</td>
        <td colspan="2" style="width: 38.31%; vertical-align: top;">
          <div style="margin-right: 39.75pt;">DOLEV RAFAELI, PRESIDENT</div>
        </td>
        <td style="width: 2.55%; vertical-align: top;">&#160;</td>
        <td style="width: 8.51%; vertical-align: top;">&#160;</td>
        <td style="width: 22.13%; vertical-align: top;">&#160;</td>
        <td style="width: 3.8%; vertical-align: top;">&#160;</td>
      </tr>

  </table>
  <div><br>
  </div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;" id="zeabb4f2c87d044a481b4277b4f86ea5f">

      <tr>
        <td style="width: 24.69%; vertical-align: top;">&#160;</td>
        <td style="width: 6.81%; vertical-align: bottom;">
          <div style="margin-right: 8.25pt;">BY:</div>
        </td>
        <td style="width: 31.5%; vertical-align: bottom; border-bottom: #000000 2px solid;">
          <div style="margin-right: 39.75pt;">/s/ Jay Sturm</div>
        </td>
        <td style="width: 2.55%; vertical-align: top;">&#160;</td>
        <td style="width: 8.51%; vertical-align: bottom;">
          <div style="margin-right: 8.25pt;">Date:</div>
        </td>
        <td style="width: 22.13%; vertical-align: bottom; border-bottom: #000000 2px solid;">
          <div style="margin-right: 47.5pt;">5/15/20</div>
        </td>
        <td style="width: 3.8%; vertical-align: top;">&#160;</td>
      </tr>
      <tr>
        <td style="width: 24.69%; vertical-align: top;">&#160;</td>
        <td colspan="2" style="width: 38.31%; vertical-align: top;">
          <div style="margin-right: 39.75pt;">JAY STURM, SECRETARY</div>
        </td>
        <td style="width: 2.55%; vertical-align: top;">&#160;</td>
        <td style="width: 8.51%; vertical-align: top;">&#160;</td>
        <td style="width: 22.13%; vertical-align: top;">&#160;</td>
        <td style="width: 3.8%; vertical-align: top;">&#160;</td>
      </tr>

  </table>
  <div><br>
  </div>
  <div>&#160;</div>
  <div><br>
  </div>
  <div>&#160;</div>
  <div><br>
  </div>
  <div>&#160;</div>
  <div style="text-align: justify; margin-right: 11pt;"><font style="font-weight: bold;"><u>Note:</u></font>&#160; Corporate Borrowers must execute Loan Authorization and Agreement in corporate name, by a duly authorized officer, and a seal should be affixed
    and duly attested, if applicable.&#160; Partnership Borrowers must execute in firm name, together with signature of a general partner.&#160; Limited Liability entities must execute in the entity name by the signature of the authorized managing person.</div>
  <div><br>
  </div>
  <div><br>
  </div>
  <div><br>
  </div>
  <div><br>
  </div>
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            <div style="margin-right: 20pt; font-size: 8pt;">SBA&#160; Form 1391 (5&#183;00)</div>
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            <div style="text-align: center; margin-right: 20pt;"><font style="font-size: 8pt;">Page </font><font style="font-size: 8pt;" id="DSPFPageNumber">6</font></div>
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<DOCUMENT>
<TYPE>EX-10.2
<SEQUENCE>3
<FILENAME>ex_10-2.htm
<DESCRIPTION>U.S. SMALL BUSINESS ADMINISTRATION NOTE.
<TEXT>
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  <div style="text-align: right;"><u><font style="font-weight: bold;">EXHIBIT 10.2</font></u><br>
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            <div>&#160;</div>
            <div style="margin-left: 8.4pt; font-family: 'Times New Roman', Times, serif; font-size: 8pt;"><font style="font-size: 10pt;">U.S. </font>Small Business Administration</div>
            <div>&#160;</div>
            <div style="text-align: center; margin-right: 23.1pt; margin-left: 25.6pt; font-family: 'Times New Roman', Times, serif; font-size: 14pt; font-weight: bold;">NOTE</div>
            <div>&#160;</div>
            <div style="text-align: center; margin-right: 23.1pt; margin-left: 25.65pt; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">(SECURED DISASTER LOANS)</div>
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            <div>&#160;</div>
            <div style="margin-left: 6.1pt; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">Date: March 26, 2020</div>
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            <div>&#160;</div>
            <div style="margin-left: 6.1pt; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">Loan Amount: $500,000.00</div>
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            <div style="margin-left: 6.2pt; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">Annual Interest Rate: 3.750%</div>
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    <div><font style="font-size: 8pt; font-weight: bold;">Application </font><font style="font-size: 8pt; font-weight: bold;"># </font><font style="font-size: 8pt; font-weight: bold;">2000067240</font><font style="display: inline-block; text-indent: 0px; font-size: 1px; width: 229.5pt" id="TRGRRTFtoHTMLTab">&#160;</font><font style="font-weight: bold; font-size: 8pt;">Loan# EIDL 4316357010</font></div>
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      <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z146d01225b814c6b9ed89805a421deaa">

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              <div style="margin-left: -4.4pt; font-weight: bold;">&#160; 1.</div>
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              <div style="text-align: justify;"><font style="font-weight: bold;">PROMISE</font>&#160;<font style="font-weight: bold;">TO</font>&#160;<font style="font-weight: bold;">PAY: </font>In return for a loan. Borrower promises to pay to the order of SBA the
                amount of <font style="font-weight: bold;"><u>Five&#160;Hundred Thousand Dollars ($500,000.00)</u></font><font style="font-weight: bold;">&#160;</font>interest on the unpaid principal balance, and all other amounts required by this Note.</div>
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      <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z10e82fe144e74f8e9d9d91d116efc371">

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              <div style="margin-left: -4.4pt; font-weight: bold;">&#160; 2.</div>
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              <div style="text-align: justify;"><font style="font-weight: bold;">DEFINITIONS:&#160;&#160; </font>A)&#160; "Collateral" means any property taken as security for payment of this Note or any guarantee of this Note.&#160; B) "Guarantor" means each person or
                entity that signs a guarantee of payment of this Note.&#160; C) "Loan Documents" means the documents related to this loan signed by Borrower, any Guarantor, or anyone who pledges collateral.</div>
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              <div style="margin-left: -4.35pt; font-weight: bold;">&#160; 3.</div>
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              <div style="text-align: justify;"><font style="font-weight: bold;">PAYMENT TERMS: </font>Borrower must make all payments at the place SBA designates. Borrower may prepay this Note in part or in full at any time, without notice or penalty.
                Borrower must pay principal and interest payments of <font style="font-weight: bold;"><u>Two Thousand Four Hundred Thirty-Seven And 00/100 ($2,437.00)</u></font> every <font style="font-weight: bold;"><u>month</u></font> beginning <font style="font-weight: bold;"><u>Twelve (12)</u></font> months from the date of&#160;the Note. SBA will apply each installment payment first to pay interest accrued to the day SBA receives the payment and will&#160;then apply&#160;any remaining&#160;balance to
                reduce principal. All remaining principal and accrued interest is due and payable <font style="font-weight: bold;"><u>Thirty (30) years</u></font> from the date of the Note.</div>
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              <div style="margin-left: -4.35pt; font-weight: bold;">&#160; 4.</div>
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              <div style="text-align: justify;"><font style="font-weight: bold;">DEFAULT: </font>Borrower is in default under this Note if Borrower does not make a payment when due under this Note, or if<font style="font-weight: bold;">&#160;</font>Borrower:&#160;
                <font style="font-weight: bold;">A) </font>Fails to comply with any provision of this Note. the Loan Authorization and Agreement, or other Loan Documents:&#160; <font style="font-weight: bold;">B)&#160; </font>Defaults on any other SBA loan;&#160; <font style="font-weight: bold;">C)</font>&#160; Sells or otherwise transfers, or does not preserve or account to SBA&#8217;s satisfaction for, any of the Collateral or its proceed:&#160; <font style="font-weight: bold;">D)&#160; </font>Does not disclose, or
                anyone acting&#160;on their behalf&#160;docs not disclose, any material fact to SBA:&#160; <font style="font-weight: bold;">E)&#160; </font>Makes, or anyone acting on their behalf makes, a materially false or misleading representation to SBA:&#160; <font style="font-weight: bold;">F)&#160; </font>Defaults on any loan or agreement with another creditor, if SBA believes the default may materially affect Borrower's ability to pay this Note: <font style="font-weight: bold;">G)&#160; </font>Fails to
                pay any taxes when due:&#160; <font style="font-weight: bold;">H)&#160; </font>Becomes the subject of a proceeding under any bankruptcy or insolvency law:&#160; <font style="font-weight: bold;">I)</font>&#160; Has a receiver or liquidator appointed for any
                part of their business or property:&#160; <font style="font-weight: bold;">J)</font>&#160; Makes an assignment for the benefit of&#160;creditors:&#160; <font style="font-weight: bold;">K)&#160; </font>Has any adverse change in financial condition or business
                operation that SBA believes may materially affect Borrower&#8217;s ability to pay this Note:&#160; <font style="font-weight: bold;">L)&#160; </font>Dies:&#160; <font style="font-weight: bold;">M)&#160; </font>Reorganizes, merges, consolidates, or otherwise
                changes ownership or business structure without&#160;SBA's prior written consent; or,&#160; <font style="font-weight: bold;">N)&#160; </font>Becomes the subject of a civil or criminal action that SBA believes may materially affect Borrower's&#160;ability to
                pay this Note.</div>
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              <div style="margin-left: -4.65pt; font-weight: bold;">&#160; 5.</div>
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              <div style="text-align: justify;"><font style="font-weight: bold;">SBA'S RIGHTS IF THERE IS A DEFAULT: </font>Without notice or demand and without giving up any of its rights, SBA may: <font style="font-weight: bold;">A)&#160; </font>Require
                immediate payment of all amounts owing under this Note:&#160; <font style="font-weight: bold;">B)&#160; </font>Have recourse to collect all amounts owing from any Borrower or Guarantor;&#160; <font style="font-weight: bold;">C)</font>&#160; File suit and
                obtain judgment:&#160; <font style="font-weight: bold;">D)&#160; </font>Take possession of any Collateral: or&#160; <font style="font-weight: bold;">E)&#160; </font>Sell, lease, or otherwise dispose of, any Collateral at public or private sale, with or
                without advertisement.</div>
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              <div style="margin-left: -4.6pt; font-weight: bold;">&#160; 6.</div>
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              <div style="text-align: justify;"><font style="font-weight: bold;">SBA'S GENERAL POWERS: </font>Without notice and without Borrower's consent. SBA may:&#160; <font style="font-weight: bold;">A)&#160; </font>Bid on or buy the Collateral at its sale
                or the sale of another lien holder, at any price it chooses:&#160; <font style="font-weight: bold;">B)&#160; </font>Collect amounts due under this Note, enforce the terms of this Note or any other Loan Document, and preserve or dispose of the
                Collateral. Among other things, the expenses may include payments for property taxes, prior liens, insurance, appraisals, environmental remediation costs, and reasonable attorney&#8217;s fees and costs. If SBA incurs such expenses, it may demand
                immediate reimbursement from Borrower or add the expenses to the principal balance:&#160; <font style="font-weight: bold;">C)</font>&#160; Release anyone obligated to pay this Note;&#160; <font style="font-weight: bold;">D)&#160; </font>Compromise, release,
                renew, extend or substitute any of&#160; the Collateral: and&#160; <font style="font-weight: bold;">E)&#160; </font>Take any action necessary to protect the Collateral or collect amounts owing on this Note.</div>
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              <div style="margin-left: -4.8pt; font-weight: bold;">&#160; 7.</div>
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              <div style="text-align: justify;"><font style="font-weight: bold;">FEDERAL LAW APPLIES: </font>When SBA is the holder, this Note will be interpreted and enforced under federal law, including SBA regulations. SBA may use state or local
                procedures for filing papers, recording documents, giving notice, foreclosing liens, and other purposes. By using such procedures, SBA does not waive any federal immunity from state or local control, penalty, tax, or liability. As to this
                Note, Borrower may not claim or assert against SBA any local or state law to deny any obligation, defeat any claim of SBA, or preempt federal law.</div>
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              <div style="margin-left: -4.15pt; font-weight: bold;">&#160; 8.</div>
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            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify;"><font style="font-weight: bold;">GENERAL PROVISIONS:&#160; A)&#160; </font>All individuals and entities signing this Note are jointly and severally liable.&#160; <font style="font-weight: bold;">B)&#160; </font>Borrower
                waives all suretyship defenses.&#160; <font style="font-weight: bold;">C)</font>&#160; Borrower must sign&#160; all documents required at any time to comply with the Loan Documents and to enable SBA to acquire, perfect, or maintain SBA&#8217;s liens on
                Collateral.&#160; <font style="font-weight: bold;">D)</font>&#160; SBA may exercise any of its rights separately or together, as many times and in any order it chooses. SBA may delay or forgo enforcing any of its rights without giving up any of
                them.&#160; <font style="font-weight: bold;">E)</font>&#160; Borrower may not use an oral statement of SBA to contradict or alter the written terms of this Note.&#160; <font style="font-weight: bold;">F)</font>&#160; If any part of this Note is
                unenforceable, all other parts remain in effect.&#160; <font style="font-weight: bold;">G)</font>&#160; To the extent allowed by law, Borrower waives all demands and notices in connection with this Note, including presentment, demand, protest, and
                notice of dishonor. Borrower also waives any defenses based upon any claim that SBA did not obtain any guarantee:</div>
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        <div style="margin-right: 2pt;"><font style="font-size: 8pt;">SBA FORM 147 B (5-00)</font><font style="display: inline-block; text-indent: 0px; font-size: 1px; width: 477pt" id="TRGRRTFtoHTMLTab">&#160;</font><font style="font-size: 8pt;">Page <font id="DSPFPageNumber">1</font>&#160;of 2</font></div>
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    <div>&#160;</div>
    <div style="margin-right: 15.5pt; font-size: 8pt;">2000067240/EIDL 4316357010</div>
    <div>&#160;</div>
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    </div>
    <div>&#160;</div>
    <div style="margin-right: 2pt; margin-left: 13.5pt;">did not obtain, perfect, or maintain a lien upon Collateral; impaired Collateral: or did not obtain the fair market value of Collateral at a sale.&#160; <font style="font-weight: bold;">H)&#160; </font>SBA
      may sell or otherwise transfer this Note.</div>
    <div>&#160;</div>
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              <div style="margin-left: -3.05pt; font-weight: bold;">&#160; 9.</div>
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              <div><font style="font-weight: bold;">MISUSE </font><font style="font-weight: bold;">OF LOAN FUNDS: </font>Anyone who wrongfully misapplies any proceeds of the loan will be civilly liable to SBA for one and one-half times the proceeds
                disbursed, in addition to other remedies allowed by law.</div>
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    <div>&#160;</div>
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                <div style="margin-left: -3.05pt; font-weight: bold;">&#160;10.</div>
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              <td style="width: auto; vertical-align: top;">
                <div><font style="font-weight: bold;">BORROWER'S NAME(S) </font><font style="font-weight: bold;">AND SIGNATURE(S): </font>By signing below, each individual or entity acknowledges and accepts personal obligation and full liability under
                  the Noted as Borrower.</div>
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      </div>
      <div>&#160;</div>
    </div>
    <div> <br>
    </div>
    <div>Corporate Seal</div>
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    </div>
    <div>&#160;</div>
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          <td style="width: 23.97%; vertical-align: top;">&#160;</td>
          <td style="width: 36.18%; vertical-align: top;">
            <div style="margin-right: 15.5pt; font-weight: bold;">Corporate Execution:</div>
          </td>
          <td style="width: 14.85%; vertical-align: top;">&#160;</td>
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          <td style="width: 24.57%; vertical-align: top;">&#160;</td>
          <td style="width: 24.93%; vertical-align: top;">&#160;</td>
          <td style="width: 35.65%; vertical-align: top;">
            <div style="margin-right: 15.5pt; margin-left: 5.2pt;">STRATA SKIN SCIENCES, INC.</div>
          </td>
          <td style="width: 14.85%; vertical-align: top;">&#160;</td>
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    <div>&#160;</div>
    <div><br>
    </div>
    <div>&#160;</div>
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          <td colspan="2" style="width: 53.86%; vertical-align: top;">&#160;</td>
          <td style="width: 5.03%; vertical-align: top;">
            <div>BY:</div>
          </td>
          <td style="width: 41.11%; vertical-align: top; border-bottom: #000000 2px solid;">
            <div style="margin-right: 15.5pt;">/s/ Dolev Rafaeli</div>
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          <td style="width: 25.34%; vertical-align: top;">&#160;</td>
          <td style="width: 28.52%; vertical-align: top;">&#160;</td>
          <td colspan="2" style="width: 46.14%; vertical-align: top;">
            <div style="margin-right: 15.5pt;">DOLEV RAFAELI, PRESIDENT</div>
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    <div>&#160;</div>
    <div><br>
    </div>
    <div>&#160;</div>
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            <div>BY:</div>
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            <div style="margin-right: 15.5pt;">/s/ Jay Sturm</div>
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            <div style="margin-right: 15.5pt;">JAY STURM, SECRTARY</div>
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      <div style="margin-right: 2pt;"><font style="font-size: 8pt;">SBA FORM 147 B (5-00)</font><font style="display: inline-block; text-indent: 0px; font-size: 1px; width: 477pt" id="TRGRRTFtoHTMLTab">&#160;</font><font style="font-size: 8pt;">Page <font id="DSPFPageNumber">2</font>&#160;of 2</font>
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<DOCUMENT>
<TYPE>EX-10.3
<SEQUENCE>4
<FILENAME>ex_10-3.htm
<DESCRIPTION>U.S. SMALL BUSINESS ADMINISTRATION SECURITY AGREEMENT.
<TEXT>
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  <div style="text-align: right;"><u><font style="font-weight: bold;">EXHIBIT 10.3</font></u><br>
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            <div><img width="142" height="107" src="image00002.jpg"></div>
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            <div>&#160;</div>
            <div>&#160;</div>
            <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 12pt;">U.S. Small Business Administration</div>
            <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 14pt;">SECURITY AGREEMENT</div>
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            <div>&#160;</div>
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    <div>&#160;</div>
    <div style="margin-left: 31.5pt;">'</div>
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            <div style="margin-left: 5.9pt; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">SBA Loan #</div>
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            <div style="margin-left: 6.1pt; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">EIDL4316357010</div>
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            <div style="margin-left: 6.3pt; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Debtor</div>
            <div style="margin-left: 5.55pt; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-style: italic;">(Exact full legal name of individual(s), corporation, LLC, partnership, or other organization</div>
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            <div>&#160;</div>
            <div style="margin-left: 5.75pt; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">STRATA SKIN SCIENCES, INC.</div>
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            <div style="margin-left: 6.3pt; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Borrower</div>
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            <div style="margin-left: 6pt; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">STRATA SKIN SCIENCES, INC.</div>
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            <div style="margin-left: 5.45pt; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Secured Party</div>
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            <div style="margin-left: 5.4pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;">The Small Business Administration, an Agency of the U.S. Government</div>
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            <div style="margin-left: 6.3pt; font-size: 8pt;">Date</div>
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            <div>&#160;</div>
            <div style="margin-left: 6.15pt; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">March 26, 2020</div>
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            <div style="margin-left: 6.55pt; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Note Amount</div>
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            <div style="margin-left: 5.35pt; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">$500,000.00</div>
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    <div>&#160;</div>
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              <div style="margin-left: 54pt; font-size: 8pt;">1.</div>
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              <div style="font-size: 8pt;">DEFINITIONS.</div>
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    <div style="text-align: justify; text-indent: 0.7pt; margin-right: 58.3pt; margin-left: 72pt; font-size: 8pt;"> <br>
    </div>
    <div style="text-align: justify; text-indent: 0.7pt; margin-right: 58.3pt; margin-left: 90pt; font-family: 'Times New Roman',Times,serif; font-size: 8pt;"><font style="font-family: 'Times New Roman', Times, serif;">Unless otherwise specified, all terms
        used in this Agreement will have the meanings ascribed to them under the O</font><font style="font-family: 'Times New Roman', Times, serif;">ffi</font><font style="font-family: 'Times New Roman', Times, serif;">cia</font><font style="font-family: 'Times New Roman', Times, serif;">l </font><font style="font-family: 'Times New Roman', Times, serif;">Text of the Uniform Commercial Code, as it</font><font style="font-family: 'Times New Roman', Times, serif;">&#160;</font><font style="font-family: 'Times New Roman', Times, serif;">may be amended from time to time, (&#8220;UCC&#8221;). </font><font style="font-family: 'Times New Roman', Times, serif;"> &#8220;</font><font style="font-family: 'Times New Roman', Times, serif;">SBA&#8221; means the Small Business
        Administration, an Agency of the U.S. Government.</font></div>
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              <div style="margin-left: 54pt; font-size: 8pt;">2.</div>
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              <div style="font-size: 8pt;">GRANT OF SECURITY INTEREST.</div>
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    <div style="text-align: justify; text-indent: 0.7pt; margin-right: 58.3pt; margin-left: 90pt; font-family: 'Times New Roman',Times,serif; font-size: 8pt;">For value received, the Debtor grants to the Secured Party a security interest in the property
      described below in paragraph 4 (the &#8220;Collateral&#8221;).</div>
    <div>&#160;</div>
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      <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z945a608b512a4fd59021064813f78044">

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              <div style="margin-left: 54pt; font-size: 8pt;">3.</div>
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              <div style="font-size: 8pt;">OBLIGATIONS SECURED.</div>
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    <div style="text-align: justify; margin-right: 58.2pt; margin-left: 90.45pt; font-family: 'Times New Roman',Times,serif; font-size: 8pt;"><font style="font-family: 'Times New Roman', Times, serif;">This Agreement secures the payment and performance or:
        (a) all obligations under a Note dated </font><font style="font-family: 'Times New Roman', Times, serif; font-weight: bold;"><u>March 26, 2020</u></font><font style="font-family: 'Times New Roman', Times, serif;">, made by STRATA SKIN SCIENCES,
        INC., made payable to SBA, in the amount of </font><font style="font-family: 'Times New Roman', Times, serif; font-weight: bold;"><u>$500,000.00</u></font><font style="font-family: 'Times New Roman', Times, serif;"> (&#8220;Note&#8221;), including all costs
        and expenses (including reasonable attorney's fees), incurred by Secured Party in the disbursement, administration and collection of the loan evidenced by the Note: (b) all costs and expenses (including reasonable attorney&#8217;s fees), incurred by</font><font style="font-family: 'Times New Roman', Times, serif;">&#160;</font><font style="font-family: 'Times New Roman', Times, serif;">Secured Party in the protection, maintenance and enforcement of the security interest hereby granted; (c) all obligations of
        the Debtor in any other agreement relating to the Note; and (d) any modifications, renewals, refinancings, or extensions of the foregoing obligations.</font></div>
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    <div>&#160;</div>
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    <div>&#160;</div>
    <div style="margin-left: 65.5pt; font-size: 8pt;">2000067240/EIDL4316357010</div>
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    <div style="text-align: justify; margin-left: 72pt; font-size: 8pt;">The Note and all other obligations secured hereby are collectively called the&#183;&#8220;Obligations&#8221;.</div>
    <div>&#160;</div>
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              <div style="margin-left: 54pt; font-size: 8pt;">4.</div>
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              <div style="font-size: 8pt;">COLLATERAL DESCRIPTION.</div>
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    <div style="text-align: justify; text-indent: 0.7pt; margin-right: 57.6pt; margin-left: 72pt; font-size: 8pt;"> <br>
    </div>
    <div style="text-align: justify; text-indent: 0.7pt; margin-right: 57.6pt; margin-left: 90pt; font-family: 'Times New Roman',Times,serif; font-size: 8pt;">Borrower/Debtor hereby grants to Lender, the secured party hereunder, a continuing security
      interest in and to any and all Collateral as described herein to secure payment and performance of all debts, liabilities and obligations of Borrower to Lender hereunder without limitation, including but not limited to all interest, other fees and
      expenses.</div>
    <div>&#160;</div>
    <div style="margin: 0px 57.6pt 0px 90pt; font-size: 8pt; text-align: justify; text-indent: 0.7px;">The Collateral includes the following property
        that Borrower/Debtor now owns or shall acquire or create immediately upon the acquisition or creation thereof: All
        tangible and intangible personal property, including, but not limited to: (a) inventory, (b) equipment, (c)
        instruments, including promissory notes (d) chattel paper, including tangible chattel paper and electronic chattel paper, (e) documents, (f)&#160;letter of credit rights, (g) accounts, including health-care insurance receivables and
        credit card receivables, (h) deposit accounts, (i) commercial tort&#160; claims, (j) general intangibles, including payment intangibles and software and (k) as-extracted collateral as such terms may from time to time be defined in the Uniform Commercial Code. The security interest includes all accessions, attachments, accessories, parts, supplies and replacements for the Collateral, all products, proceeds and collections thereof and all records and data relating thereto.</div>
    <div>&#160;</div>
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              <div style="margin-left: 54pt; font-size: 8pt;">5.</div>
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              <div style="font-size: 8pt;">RESTRICTIONS ON COLLATERAL TRANSFER.</div>
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    <div style="text-align: justify; margin-right: 57.6pt; margin-left: 72pt; font-size: 8pt;"> <br>
    </div>
    <div style="text-align: justify; margin-right: 57.6pt; margin-left: 90pt; font-family: 'Times New Roman',Times,serif; font-size: 8pt;"><font style="font-family: 'Times New Roman', Times, serif;">Debtor will not sell, </font><font style="font-family: 'Times New Roman', Times, serif;">l</font><font style="font-family: 'Times New Roman', Times, serif;">ease, license or otherwise transfer (including by granting security interests, liens, or other encumbrances in) all or any part of the Collateral
        or Debtor&#8217;s interest in the Collateral without Secured Party's written or electronically communicated approval, except that Debtor may sell inventory in the ordinary course of business on customary terms. Debtor may collect and use amounts due on
        accounts and other rights to payment arising or created in the ordinary course of business, until notified otherwise by Secured Party in writing or by electronic communication.</font></div>
    <div>&#160;</div>
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              <div style="margin-left: 54pt; font-size: 8pt;">6.</div>
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              <div style="font-size: 8pt;">MAINTENANCE AND LOCATION OF COLLATERAL; INSPECTION; INSURANCE.</div>
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    <div style="text-align: justify; text-indent: 0.7pt; margin-right: 59.75pt; margin-left: 90pt; font-family: 'Times New Roman',Times,serif; font-size: 8pt;"><font style="font-family: 'Times New Roman', Times, serif;">Debtor must promptly notify Secured
        Party by written or electronic communication of any change in location of the Collateral, specifying the new location</font><font style="font-family: 'Times New Roman', Times, serif;">. </font><font style="font-family: 'Times New Roman', Times, serif;">Debtor hereby grants to</font><font style="font-family: 'Times New Roman', Times, serif;">&#160;</font><font style="font-family: 'Times New Roman', Times, serif;">Secured Party the right to </font><font style="font-family: 'Times New Roman', Times, serif;">inspect </font><font style="font-family: 'Times New Roman', Times, serif;">the Collateral at all reasonable times and upon reasonable notice. Debtor must: (a)</font><font style="font-family: 'Times New Roman', Times, serif;">&#160;</font><font style="font-family: 'Times New Roman', Times, serif;">maintain the Collateral</font><font style="font-family: 'Times New Roman', Times, serif;">&#160;</font><font style="font-family: 'Times New Roman', Times, serif;">in go</font><font style="font-family: 'Times New Roman', Times, serif;">o</font><font style="font-family: 'Times New Roman', Times, serif;">d </font><font style="font-family: 'Times New Roman', Times, serif;">c</font><font style="font-family: 'Times New Roman', Times, serif;">o</font><font style="font-family: 'Times New Roman', Times, serif;">ndition; (b)</font><font style="font-family: 'Times New Roman', Times, serif;">&#160;</font><font style="font-family: 'Times New Roman', Times, serif;">pay promptly all t</font><font style="font-family: 'Times New Roman', Times, serif;">a</font><font style="font-family: 'Times New Roman', Times, serif;">xes, judgments, or charges of any kind levied or assessed thereon;</font><font style="font-family: 'Times New Roman', Times, serif;"> (</font><font style="font-family: 'Times New Roman', Times, serif;">c)</font><font style="font-family: 'Times New Roman', Times, serif;">&#160;</font><font style="font-family: 'Times New Roman', Times, serif;">keep current all rent or m</font><font style="font-family: 'Times New Roman', Times, serif;">o</font><font style="font-family: 'Times New Roman', Times, serif;">rtgage payments due, if any, on premises where the Collateral is loc</font><font style="font-family: 'Times New Roman', Times, serif;">at</font><font style="font-family: 'Times New Roman', Times, serif;">ed: and (d)</font><font style="font-family: 'Times New Roman', Times, serif;">&#160;</font><font style="font-family: 'Times New Roman', Times, serif;">maintain </font><font style="font-family: 'Times New Roman', Times, serif;">hazard </font><font style="font-family: 'Times New Roman', Times, serif;">insurance </font><font style="font-family: 'Times New Roman', Times, serif;">on the Collateral, with an insurance
        company and in an amount approved by Secured Party (but in no event less than the rep</font><font style="font-family: 'Times New Roman', Times, serif;">l</font><font style="font-family: 'Times New Roman', Times, serif;">acement cost of that
        Collateral</font><font style="font-family: 'Times New Roman', Times, serif;">)</font><font style="font-family: 'Times New Roman', Times, serif;">, and including such terms as Secured Party may require including a Lender's Lo</font><font style="font-family: 'Times New Roman', Times, serif;">s</font><font style="font-family: 'Times New Roman', Times, serif;">s Payable Clause in favor of Secured Party. Debtor hereby assigns to Secured Party any proceeds of such policies and all une</font><font style="font-family: 'Times New Roman', Times, serif;">arn</font><font style="font-family: 'Times New Roman', Times, serif;">ed premiums thereon and authorizes and empowers Secured Party to collect such sums and to execute and endorse in Debtor&#8217;s
        name all proofs of </font><font style="font-family: 'Times New Roman', Times, serif;">l</font><font style="font-family: 'Times New Roman', Times, serif;">oss, drafts, checks and any other documents necessary for Secured Party to obtain such
        payments.</font></div>
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              <div style="margin-left: 54pt; font-size: 8pt;">7.</div>
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              <div style="font-size: 8pt;">CHANGES TO DEBTOR&#8217;S LEGAL STRUCTURE, PLACE OF BUSINESS, JURISDICTION OF ORGANIZATION, OR NAME.</div>
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    <div>&#160;</div>
    <div style="text-align: justify; margin-right: 56.9pt; margin-left: 90pt; font-family: 'Times New Roman',Times,serif; font-size: 8pt;"><font style="font-family: 'Times New Roman', Times, serif;">Debtor must notify Secured Party by written or electr</font><font style="font-family: 'Times New Roman', Times, serif;">o</font><font style="font-family: 'Times New Roman', Times, serif;">nic communication not less than 30 days before taking any of the following actions: (a) changing or reorganizing the type of
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    <div>&#160;</div>
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              <div style="font-size: 8pt;">PERFECTION OF SECURITY INTEREST.</div>
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    </div>
    <div><br>
    </div>
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    </div>
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    </div>
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    <div><br>
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    <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
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        <div><br>
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        <div>&#160;</div>
        <div style="margin-left: 54pt;"><font style="font-size: 8pt;">SBA Form 1059 (09-19) Previous Editions are obsolete</font><font style="font-size: 8pt;">.</font><font style="display: inline-block; text-indent: 0px; font-size: 1px; width: 435.05pt" id="TRGRRTFtoHTMLTab">&#160;</font><font style="font-size: 8pt;">Page <font id="DSPFPageNumber">2</font>&#160;&#160; of 4</font></div>
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    <div style="margin-left: 6.55pt;"><br>
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    <div>&#160; <br>
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    <div style="margin-left: 54pt; font-size: 8pt;">2000067240/EIDL4316357010</div>
    <div><br>
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    <div>&#160;</div>
    <div><br>
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    <div style="text-align: justify; margin-right: 55.45pt; margin-left: 90pt; font-family: 'Times New Roman',Times,serif; font-size: 8pt;">Collateral. Debtor will pay the filing and recording costs of any documents relating to Secured Party's security
      interest. Debtor ratifies all previous filings and recordings, including financing statements and notations on certificates of title. Debtor will cooperate with Secured Party in obtaining a Control Agreement satisfactory to Secured Party with respect
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    <div>&#160;</div>
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    <div style="text-align: justify; text-indent: 0.7pt; margin-right: 55.45pt; margin-left: 90pt; font-family: 'Times New Roman',Times,serif; font-size: 8pt;"> <br>
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    <div style="text-align: justify; text-indent: 0.7pt; margin-right: 55.45pt; margin-left: 90pt; font-family: 'Times New Roman',Times,serif; font-size: 8pt;">Debtor is in default under this Agreement if: (a) Debtor fails to pay, perform or otherwise
      comply with any provision or this Agreement; (b) Debtor makes any materially false representation, warranty or certification in, or in connection with, this Agreement, the Note, or any other agreement related to the Note or this Agreement (c) another
      secured party or judgment creditor exercises its rights against the Collateral: or (d) an event defined as a &#8220;default&#8221; under the Obligations occurs. In the event of default and if Secured Party requests, Debtor must assemble and make available all
      Collateral at a place and time designated by Secured Party. Upon default and at any time thereafter, Secured Party may declare all Obligations secured hereby immediately due and payable, and, in its sole discretion, may proceed to enforce payment of
      same and exercise any of the rights and remedies available to a secured party by law including those available to it under Article 9<font style="font-family: 'Times New Roman', Times, serif;">&#160;</font>of the UCC that is in effect in the jurisdiction
      where Debtor or the Collateral is located. Unless otherwise required under applicable law, Secured Party has no obligation to clean or otherwise prepare the Collateral for sale or other disposition and Debtor waives any right it may have to require
      Secured Party to enforce the security interest <font style="font-family: 'Times New Roman', Times, serif;">or </font>payment or performance of the Obligations against any other person.</div>
    <div>&#160;</div>
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              <div style="font-size: 8pt;">FEDERAL RIGHTS.</div>
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    <div style="text-align: justify; margin-right: 54.7pt; margin-left: 90pt; font-family: 'Times New Roman',Times,serif; font-size: 8pt;"><font style="font-family: 'Times New Roman', Times, serif;">When SBA is the holder of the Note, this Agreement will
        be construed and enforced under federal law, includ</font><font style="font-family: 'Times New Roman', Times, serif;">i</font><font style="font-family: 'Times New Roman', Times, serif;">ng SBA regulations. Secured Party or SBA may use state or
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        defeat any claim of SBA, or preempt federal law.</font></div>
    <div>&#160;</div>
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              <div style="font-size: 8pt;">GOVERNING LAW.</div>
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    <div style="text-align: justify; text-indent: 0.7pt; margin-right: 56.15pt; margin-left: 90pt; font-family: 'Times New Roman',Times,serif; font-size: 8pt;">Unless SBA is the holder of the Note, in which case federal law will govern, Debtor and Secured
      Party agree that this Agreement will be governed by the laws or the jurisdiction where the Debtor is located, including the UCC as in effect in such jurisdiction and without reference <font style="font-family: 'Times New Roman', Times, serif;">to </font>its
      conflicts of laws principles.</div>
    <div>&#160;</div>
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          <tr>
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              <div style="margin-left: 54pt; font-size: 8pt;">12.</div>
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    <div style="text-align: justify; text-indent: 0.7pt; margin-right: 56.15pt; margin-left: 72pt; font-size: 8pt;"> <br>
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    <div style="text-align: justify; text-indent: 0.7pt; margin-right: 56.15pt; margin-left: 90pt; font-family: 'Times New Roman',Times,serif; font-size: 8pt;">All rights conferred in this Agreement on Secured Party are in addition to those granted to it
      by law, and all rights are cumulative and may be exercised simultaneously. Failure of Secured Party to enforce any rights or remedies will not constitute an estoppel or waiver of Secured Party's ability to exercise such rights or remedies. Unless
      otherwise required under applicable law, Secured Party is not liable for any loss or damage to Collateral in its possession or under its control, nor will such loss or damage reduce or discharge the Obligations that are due, even if Secured Party<font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">'s </font>actions or inactions caused or in any way contributed to such loss or damage.</div>
    <div>&#160;</div>
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    <div style="text-align: justify; margin-left: 72pt; font-size: 8pt;"> <br>
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    <div style="text-align: justify; margin-left: 90pt; font-family: 'Times New Roman',Times,serif; font-size: 8pt;">If any provision of this Agreement is unenforceable, all other provisions remain in effect.</div>
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    <div style="text-align: justify; text-indent: -0.1pt; margin-right: 59.55pt; margin-left: 90pt; font-family: 'Times New Roman',Times,serif; font-size: 8pt;">Debtor certifies that: (a) its Name (or Names) as stated above is correct: (b) all Collateral
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    </div>
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    <div><br>
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    <div>&#160;</div>
    <div><br>
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        <div><br>
        </div>
        <div>&#160;</div>
        <div style="margin-left: 54pt;"><font style="font-size: 8pt;">SBA Form 1059 (09-19) Previous Editions are obsolete</font><font style="font-size: 8pt;">.</font><font style="display: inline-block; text-indent: 0px; font-size: 1px; width: 435.05pt" id="TRGRRTFtoHTMLTab">&#160;</font><font style="font-size: 8pt;">Page <font id="DSPFPageNumber">3</font>&#160;&#160; of 4</font></div>
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    <div>&#160;</div>
    <div style="margin-left: 54pt; font-size: 8pt;">2000067240/EIDL4316357010</div>
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    <div>&#160;</div>
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    <div style="text-align: justify; margin-right: 54.7pt; margin-left: 90pt; font-family: 'Times New Roman',Times,serif; font-size: 8pt;">has the legal authority to grant the security interest in the Collateral: (d) Debtor's ownership in or title to the:
      Collateral is free of all adverse claims, liens, or security interests (unless expressly permitted by Secured Party): (e) none of the Obligations are or will be primarily for personal, family or household purposes: <font style="font-family: 'Times New Roman', Times, serif;">(f) </font>none of the Collateral is or will be used, or has been or will be bought primarily for personal, family or household purposes: <font style="font-family: 'Times New Roman', Times, serif;">(g) </font>Debtor
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    <div><br>
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    <div>&#160;</div>
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    <div>&#160;</div>
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    <div>&#160;</div>
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end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>6
<FILENAME>image00001.jpg
<TEXT>
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end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
