RELIV' INTERNATIONAL, INC.
LINE OF CREDIT NOTE
$1,000,000.00 and interest St. Louis, Missouri March 20, 1996
On Demand, and if no demand be made, then on the 1st day of February, 2001, the undersigned promise(s) to
pay to the order of SOUTHWEST BANK OF ST. LOUIS, St. Louis, Missouri, 63105 (herein called "Bank")
at its office in said City or to such other place as the holder hereof shall from time to time designate, the principal
sum of ONE MILLION AND 00/100 Dollars, or the then outstanding and unpaid principal balance of the sums
advanced hereunder together with accrued interest. Each borrowing hereunder shall bear interest from the date
advanced by Bank at the rate of 0.00% in excess of Southwest Bank of St. Louis' Prime Rate, to be adjusted
with each change thereto, payable monthly, and shall be calculated on the actual number of days on the basis of a
year of 360 days. This note shall bear interest after maturity at the rate of three percent (3%) over the stated rate.
As used herein, the term "Prime Rate" shall mean the rate of interest announced from time to time by the Bank as
its "Prime Rate", such term being used only as a reference rate and not necessarily representing the lowest rate
charged to any customer of the Bank. In the event the Bank ceases to use the term "Prime Rate" in setting a base
rate for commercial loans, the term "Prime Rate" as used herein shall be determined by reference to the rate used
by the Bank as its base rate of interest for commercial loans. THE LOAN AMOUNT REDUCES BY
$200,000.00 EVERY FEBRUARY 1 BEGINNING FEBRUARY 1, 1997.
Until the occurrence of any event of default herein described or any default or any event which with the passage
of time or giving of notice, or both, would constitute a default under any agreements listed below, or the maturity
of this note, whether by acceleration or otherwise, the undersigned may borrow and repay and re-borrow such
amounts, hereunder, except that each advance or repayment will be in a minimum amou