THIS AGREEMENT, dated effective April 1, 1996, between R. S. ARORA, M.D., a sole proprietor (the
"Borrower"), and DOCTORS PRACTICE MANAGEMENT INC., a Texas corporation (the "Lender"), and
the parties agree as follows:
AMOUNTS AND TERMS OF THE ADVANCES
SECTION 1.1 Advances. From time to time during the term of this Agreement, Lender may, in its sole discretion
and subject to the terms and conditions hereinafter set forth, make advances (the "Advances") to the Borrower
from time to time on any Business Day (as hereinafter defined) during the period from the date hereof until March
31, 2011 (the "term of this Agreement") in an aggregate amount not to exceed at any time outstanding One
Hundred Thousand Dollars ($100,000).Each Advance shall be in an amount not less than Ten Thousand Dollars
($ 10,000.) or an integral multiple of $1,000 in excess thereof, Borrower may borrow, prepay pursuant to
Section 1.4 and re-borrow under this Section 1.1, subject to Lender's right of absolute discretion in making any
Advance. Without in any way limiting Lender's absolute discretion in making any Advance, in no event may the
outstanding principal balance of the Advances (including any new Advances requested by Borrower) exceed an
amount equal to Borrower's Eligible Accounts (which, for purposes hereof, means those accounts receivable of
Borrower (i) on which Lender has a first and prior perfected security interest, (ii) which are not more than 120
days past due, and (iii) which are otherwise satisfactory to Lender in its sole and absolute discretion).
SECTION 1.2 Making the Advances. Advances shall be made on a Business Day. Each Advance shall be made
on written notice, signed by the President of the Borrower and delivered to Lender not later than 5:00 p.m.
(Houston time) at least two Business Days before the day on which the Advance is to be made. Each notice from
the Borrower to the Lender requesting an Advance shall be irrevocable and binding on the Borrower.