Form of Term Loan Agreement between our company, Euoko Inc., Hewitt-Vevey Pharma Sciences Ltd. and CMMG Finance Inc. dated December 22, 2008

The Credit

The Lender shall, on the terms and conditions of this agreement, establish a term credit in favour of the Borrower in the amount of FIVE MILLION FIVE HUNDRED THOUSAND DOLLARS ($5,950,000.00 CAD) in lawful money of Canada (the "Credit").

The Credit is made available by the Lender to the Borrower to enable the Borrower to carry out the following:

To repay the borrowings, as of the Effective Date of this Term Loan Agreement, of the Borrower’s wholly-owned subsidiary, Euoko, which was negotiated with the Lender under a term loan agreement dated October 24^th , 2006 and the amendment to the term loan agreement dated April 14, 2008 (the “Euoko Term Loan”);

To pay all outstanding interest accrued under the Euoko Term Loan up to the Effective Date of this Term Loan Agreement;

To pay all outstanding introduction fees and royalty fees accrued under the Euoko Term Loan up to the Effective Date of this Term Loan Agreement;

To repay the borrowings, as of the Effective Date of this Term Loan Agreement, of the Borrower’s wholly-owned subsidiary, HVPS, which was negotiated with the Lender under a term loan agreement dated March 7^th , 2008 (the “HVPS Term Loan”);

To pay all outstanding interest accrued under the HVPS Term Loan up to the Effective Date of this Term Loan Agreement;

To pay all outstanding royalty fees accrued under the HVPS Term Loan up to the Effective Date of this Term Loan Agreement and

To pay all outstanding royalty fees accrued, as of the Effective Date of this Term Loan Agreement, under the Share Purchase Agreement executed by the Borrower and the Lender dated December 17^th , 2008 (the “Share Purchase Agreement”); and

For the purposes set forth in Schedule "A" (the "Purposes").

The Credit will be available for draw down for a period of 5 years from the Effective Date (the “Credit Term”).

The Lender will make available to the Borrower the Credit which sum may be drawn down by the Borrower from time to time as funds are required in its sole discretion but in no event shall the Borrower draw down more than $250,000.00 in any one calendar month. The Borrower shall request funds by delivery of notice in writing to the Lender on a monthly basis and the Lender shall deliver such funding within 10 days from the date of such notice

Interest shall accrue on all sums drawn down from the Credit at the rate of 3.95% per annum and shall be due and payable annually within 30 days.

In addition to interest payable as set out in paragraph 1(e), the Borrower shall pay to the Lender a royalty fee based on a percentage of net sales revenue (as determined by US generally accepted accounting principles) of the Borrower as follows:

4.95% of all net sales revenue of the Borrower, payable annually within 30 days to an annual royalty fee maximum of $3,000,000 CAD and a cumulative maximum royalty fee of $15,000,000.00 CAD.

Lender Acknowledgements

The Lender acknowledges, as of the Effective Date of this Term Loan Agreement, that all obligations under the Euoko Term Loan and the HVPS Term Loan have been fulfilled and that no further obligations exist. For further clarification, all future introduction fees and royalty fees, as of the Effective Date of this Term Loan Agreement, under the Euoko Term Loan and the HVPS Term Loan now forms part of the royalty fee as negotiated under paragraph (1)(f)(i).

The Lender further acknowledges, as of the Effective Date of this Term Loan Agreement, that all royalty fee obligations under the Share Purchase Agreement have been fulfilled and that no further royalty fee obligation exists. For further clarification, all future royalty fees, as of the Effective Date of this Term Loan Agreement, under the Share Purchase Agreement now forms part of the royalty fee as negotiated under paragraph (1)(f)(i).

For further clarification, the Lender acknowledges this Term Loan Agreement replaces all other duties, obligations and amounts owing by the Borrower, Euoko and HVPS, that this Term Loan Agreement replaces the Share Purchase Agreement, the Euoko Term Loan and the HVPS Term Loan (the “Previous Agreements”) in their entirety and that the Lender release the Borrower, Euoko and HVPS from any future obligations, amounts owing or liabilities flowing from the Previous Agreements.

Repayment of the Credit

The Borrower shall repay the sum of FIVE MILLION NINE HUNDRED FIFTY THOUSAND DOLLARS ($5,950,000.00 CAD) or such portion as is from time to time advanced by the Lender together with interest as provided in this agreement to the Lender as follows:

$3,000,000.00 CAD on October 23, 2011;

$1,150,000.00 CAD on March 6, 2013; and

All remaining outstanding amounts of the Credit on expiration of the Credit Term.

All advances under the Credit shall be evidenced by a promissory note of the Borrower substantially in the form of the promissory note attached to this agreement as Schedule "B" (the "Promissory Note").

The Borrower shall have the privilege when not in default in any of its obligations contained in this agreement on thirty days' written notice, but without premium or penalty, of prepaying all or any part of the moneys advanced pursuant to the Credit.

Conditions Precedent

The Borrower acknowledges that the Lender shall not be called on to make any advance under the Credit until the following conditions precedent have been fulfilled:

No event of default, as set out in paragraph 10 of this agreement, shall have occurred and be continuing.

The Borrower shall have furnished to the Lender copies of resolutions of the Board of Directors of the Borrower in a form satisfactory to the Lender authorizing the borrowing contemplated by this agreement, the execution and delivery of this agreement and the security set forth in paragraph 5 of this agreement, all certified by the secretary of the Borrower or another authorized officer of the Borrower.

The Security

As a continuing collateral security for the payment of all advances made under the Credit and interest and all other moneys payable pursuant to this agreement the Borrower shall execute and deliver to the Lender the following, all in form and content satisfactory to the Lender:

the Promissory Note.

Guarantees

Euoko is a wholly-owned subsidiary of the Borrower, and Euoko has become a party to this Term Loan Agreement for the purpose of guaranteeing the performance of the covenants, agreements and obligations of the Borrower under this Term Loan Agreement.

HVPS is a wholly-owned subsidiary of the Borrower, and HVPS has become a party to this Term Loan Agreement for the purpose of guaranteeing the performance of the covenants, agreements and obligations of the Borrower under this Term Loan Agreement

Representations and Warranties of the Borrower

The Borrower represents and warrants to the Lender that:

The Borrower is a corporation legally incorporated, duly organized and validly existing, in good standing under the laws of the jurisdiction of its incorporation and is qualified to carry on its business in all jurisdictions where the nature of its business or the character of its properties make such qualification necessary.

The borrowing of money by the Borrower and the execution, delivery and performance of this agreement and the security set forth in paragraph 5 of this agreement are within the corporate powers and capacities of the Borrower and have been duly authorized by proper corporate proceedings.

There are no actions, suits or proceedings pending or to the knowledge of the Borrower threatened against or adversely affecting the Borrower in any court or before or by any federal, provincial, municipal or other governmental department, commission, board, bureau or agency, Canadian or foreign which might materially affect the financial condition of the Borrower or the title to its property or assets.

The execution and delivery of this agreement, the consummation of the transactions contemplated by this agreement, the execution and delivery to the Lender of the security set forth in paragraph 5 of this agreement, and the compliance with the covenants, terms, provisions and conditions of this agreement will not conflict with or result in a breach of any of the terms or provisions of the constating documents or by-laws of the Borrower, any resolution of the directors or shareholders of the Borrower, any laws of Canada, or the Province of Ontario, governing the Borrower, or any agreement or instrument to which the Borrower is now a party or which purports to be binding on the Borrower or its property and assets.

This agreement and all other deeds, documents or instruments to be delivered pursuant to this agreement will, when executed and delivered, constitute valid and binding obligations of the Borrower enforceable against it in accordance with their respective terms, except as may be limited by other deeds, documents or instruments delivered pursuant to this agreement, or by applicable bankruptcy, reorganization, insolvency, moratorium and other laws affecting the enforcement of creditors' rights.

The borrowing of money under this agreement and the execution and delivery of this agreement do not require the consent or approval of, or registration of any other party including shareholders of the Borrower.

All balance sheets, earnings statements and other financial data, which have been or shall be furnished to the Lender to induce the Lender to enter this agreement or otherwise in connection with this agreement have been or will be prepared in accordance with generally

accepted accounting principles (which means, with respect to the Borrower, generally accepted accounting principles consistently followed through prior fiscal periods as given effect to in previous audited financial statements of the Borrower) and do or will fairly present the financial condition and the results of the operations of the Borrower, and all other information, certificates, schedules, reports and other papers and data furnished by the Borrower are or will be at the time they are so furnished, accurate and complete in all material respects.

No material adverse change has occurred in the business or condition of the Borrower since July 31, 2008.

The Borrower has good and marketable title to all its property and assets free and clear of any mortgage, charge, pledge, lien or other encumbrance.

Affirmative Covenants

The Borrower covenants with the Lender that so long as any amounts advanced under the Credit together with interest remain outstanding it will deliver to the Lender:

As soon as practicable and in any event within forty-five days after the end of each quarter-yearly period (including the last quarter-yearly period in each fiscal year) commencing with the quarter period ending December 31, 2007, an unaudited financial statement of the Borrower for that period including a statement of profit and loss for the quarter-year, and a balance sheet of the Borrower as at the end of the quarter-year, setting forth in each case in comparative form, figures for the corresponding period in the preceding fiscal year, all in reasonable detail and certified by an officer of the Borrower subject in each case to change resulting from year end adjustments;

As soon as practicable and in any event within ninety days after the end of each fiscal year, the financial statements of the Borrower prepared in accordance with generally accepted accounting principles, including the statement of profit and loss of the Borrower for that year, and a balance sheet of the Borrower as of the end of that year, setting forth in each case in comparative form, corresponding figures from the preceding annual audit, together with the auditors' report, all in reasonable detail and satisfactory in scope and substance to the Lender;

Promptly on receipt, copies of any formal detailed reports submitted to the Borrower by independent chartered accountants in connection with any annual or interim review of the books of the Borrower by the auditors of the Borrower;

Copies of all financial statements, reports and returns that the Borrower shall send to its shareholders; and

With reasonable promptness, other financial data as the Lender may reasonably request.

It will permit any person designated by the Lender in writing to visit and inspect any of the properties, corporate books and financial records of the Borrower and to discuss the affairs, finances and accounts of the Borrower with the principal officers of the Borrower at all reasonable times and as often as the Lender may reasonably request.

It will give the Lender prompt written notice of any material adverse change in the condition or business of the Borrower, financial or other, or of any material loss, destruction or damage of or to any property.

It will duly and punctually pay to the Lender, the principal, accrued interest and all other moneys payable on the dates, at the place, in the moneys and in the manner mentioned in this agreement.

It will pay or reimburse the Lender for all costs, charges and expenses in connection with the recovery or enforcement of payment of moneys advanced under the Credit, together with interest at the rate set out in paragraph 1(e) of this agreement.

It will maintain at all times proper records and books of account and make true and correct entries in the records of all dealings and transactions relating to its business.

It will do, observe and perform all of its obligations and all matters and things necessary or expedient to be done, observed or performed under any law or regulation of Canada, the Province of Ontario, or any other province where its assets may be located, or any municipality, for the purpose of creating and maintaining the security provided for in this agreement.

It will do all acts that are necessary to maintain its existence under the laws of the jurisdiction of its incorporation and will obtain, renew and maintain in full force and effect all authorizations, approvals, consents, licences, permits and exceptions as may be required to enable it to observe and perform the obligations on its part to be performed under this agreement and all agreements and security delivered in connection with or incidental to this agreement.

It will give the Lender written notice of any event of default immediately on the occurrence of such an event.

It will give the Lender written notice of the occurrence of any material litigation, proceeding or dispute affecting the Borrower and will provide to the Lender all reasonable information requested by the Lender concerning the status of the litigation, proceeding or dispute.

Negative Covenants

The Borrower covenants with the Lender that it will not, without the prior written consent of the Lender:

Redeem, purchase or otherwise acquire, either directly or indirectly any of its shares, or declare or pay any dividend on any of its shares of whatever class, or in any other manner make payments to its shareholders in any fiscal year of the Borrower except for usual remuneration or reimbursement in respect of employment.

Lend money to, invest in, or become contingently liable by guarantee or otherwise for the obligations of, any person, firm or body corporate.

Consolidate, amalgamate or merge with any other corporation or acquire the shares or assets of any corporation, firm or partnership, or sell, lease or transfer or otherwise dispose of all or a substantial part of its assets.

Enter into or be a party to any contract for the purchase of materials, supplies or other property if the contract requires that payments for those materials, supplies or other property shall be made regardless of whether or not delivery is ever made of the materials, supplies or other property.

Make sales to an associated corporation except on a cash basis and at a price equal to a fair market price, provided that net sixty days will be construed as a cash basis for the purposes of this paragraph.

Enter into any partnership, joint venture or similar agreement or arrangement with any other person, firm or corporation.

Change the general nature of the business of the Borrower.

Events of Default

The principal advanced under the Credit and all interest payable together with all of the moneys payable pursuant to this agreement shall, at the option of the Lender, become immediately due and payable and any security held by the Lender for the payment thereof shall, at the option of the Lender, become immediately enforceable in each and every of the following events:

If the Borrower makes default in the repayment of any instalment of principal or interest under the Credit when it becomes due and payable.

If the Borrower fails to perform or observe any of the covenants contained in this agreement and any failure shall not be remedied within fifteen days following notice being given to the

Borrower.

If any representation, warranty, certificate, statement or report made in connection with this agreement or in connection with advances under the Credit is false or erroneous in any material respect.

If any indebtedness of the Borrower for liabilities other than to the Lender becomes due prior to the stated maturity date, unless and to the extent that the same shall be contested in good faith and by appropriate proceedings by the Borrower.

If the Borrower becomes insolvent or bankrupt or subject to the provisions of the Winding- Up Act, R.S.C. 1985, c. W-11, as amended or the Bankruptcy and Insolvency Act, R.S.C. 1985, c. B-3, as amended, or goes into liquidation, either voluntarily or under an order of a court of competent jurisdiction, or makes a general assignment for the benefit of its creditors or otherwise acknowledges itself insolvent.

If the Borrower removes any part of its undertaking and property and assets out of the Province of Ontario, other than inventory in the process of shipping to customers, or located at or on customers' premises.

If the Borrower abandons all or any part of its undertaking and property and assets or ceases or threatens to cease to carry on its business, or threatens to commit any act of bankruptcy.

If any execution, sequestration, extent, or any other process of any court becomes enforceable against the Borrower or if a distress or analogous process is levied on the property and assets of the Borrower, and the execution, sequestration, extent, distress or process, remains unsatisfied for a period as would permit the property or a part of it to be sold.

If the Borrower shall permit any amount which has been admitted is due by the Borrower or is not disputed to be due by it and forms or is capable of being made a charge on any of the property and assets of the Borrower.

If the Lender in good faith believes that the ability of the Borrower to pay any of its obligations to the Lender or to perform any of the covenants contained in this agreement is impaired or the security referred to in this agreement is impaired or is in jeopardy.

General

The Borrower covenants that it will execute or cause to be made, done or executed, all further and lawful acts, deeds, things, devices, conveyances and assurances whatsoever for effecting the purposes and intent of this agreement as counsel for the Lender shall reasonably advise or request.

The Lender may from time to time appropriate any moneys received by it from the Borrower or from the proceeds of security given by the Borrower in or towards payment of the liabilities intended to be secured, as it in its sole discretion may see fit and the Borrower shall not have the right to require any other appropriation, and it is agreed that the taking of a judgment or judgments or any other action or dealing whatsoever by the Lender with respect to the securities shall not operate as a merger of any debt owing by the Borrower to the Lender or any part.

Notice to be given shall, save as otherwise specifically provided, be in writing addressed to the party for whom it is intended and shall not be deemed received until actual receipt by the other party except if sent by telex or facsimile, in which case it shall be deemed received on the business day next following the date of transmission. The mailing, telex and facsimile addresses of the parties shall be:

or any other mailing, telex or facsimile addresses as the parties from time to time may notify the other.

This agreement and all other agreements, security and documents to be delivered in connection with this agreement shall be governed by and construed in accordance with the applicable laws of the Province of British Columbia and of Canada.

This agreement shall be binding on and enure to the benefit of the Borrower, the Lender and their respective successors and assigns, except that the Borrower shall not, without the prior written consent of the Lender, assign any rights or obligations with respect to this agreement. The Lender may transfer, assign or grant participation in its rights and obligations with respect to this agreement or any other agreement contemplated to any lending institution which it considers to be financially responsible, provided that any transfer, assignment or grant shall neither result in any additional cost to the Lender nor, without the consent of the Borrower, release the Lender from its obligations under this agreement.

Any provision of this agreement which is or becomes prohibited or unenforceable in any jurisdiction shall not invalidate or impair the remaining provisions of this agreement which shall be deemed severable from the prohibited or unenforceable provision and any prohibition or unenforceability in any jurisdiction shall not invalidate or render unenforceable that provision in any other jurisdiction.

No amendment supplement or waiver of any provision of this agreement or any other agreements provided for or contemplated, nor any consent to any departure by the Borrower, shall in any event be effective unless it shall be in writing and signed by the Lender and then the waiver or consent shall be effective only in the specific instance for the specific purpose for which it has been given.

No waiver or act or omission of the Lender shall extend to or be taken in any manner whatsoever to affect any subsequent event of default or breach by the Borrower of any provision of this agreement or the results or the rights resulting from it.

Time shall be of the essence of this agreement.

This agreement shall remain in full force and effect until the payment and performance in full of all of the Borrower's obligations under this agreement.

This agreement constitutes the entire agreement among the parties and cancels and supersedes any prior agreements, undertakings, declarations or representations, written or verbal in respect of it.

pay for general and administrative operating expenses the Borrower may incur and that the Borrower may deem necessary from time to time, including office space rent, maintenance, utilities, repairs, insurance, professional service fees, office supplies, warehousing expenses, call centre expenses and travel expenses;

extend and improve the products marketed by the Borrower, paying for expenses related to research and development, product concept development, competitive product analyses, participation in industry events, evaluation of raw materials, purchases of raw materials, packaging design and development, product innovation, technology, formulation, organization of focus groups and generation of inventory;

recruit and maintain the employment of staff that the Borrower may deem necessary to help carry on its plan of business, including employment to provide assistance in daily operations, as well as in the areas of research and development, product formulation, product testing, marketing, sales, administration, financial support, retail, creative and distribution;

develop, test and maintain computer technology to improve the efficiency of the Borrower’s internal operations, including product development, order management, customer relationship management, direct and indirect distribution, direct and indirect customer support, retail management, document management and websites operated by the Borrower;

design and produce creative materials to promote the Borrower’s products and services, and advertise the Borrower’s products and services in various channels of media that the Borrower may deem appropriate from time to time, including print advertising, web-based advertising, television advertising, billboard advertising, promotion through public relations, hosting of public events, participation in industry tradeshows and direct advertising to consumers;

pay for capital expenditures that the Borrower may deem necessary from time to time, including leasehold improvements for the Borrower’s offices and retail stores, hardware and software equipment, office and store furniture and lab equipment;

pay for such regulatory compliance fees, regulatory compliance audits, financial audits, taxes, annual registration fees, industry membership fees and trade registration fees that the Borrower may deem necessary from time to time or that are required by the Law and/or regulatory bodies;

file and maintain international trademark registrations and patents for the Borrower as it may deem appropriate from time to time;

pay for any expenses associated with carrying out the Borrower’s plan of business as approved by the Borrower’s shareholders; and

fund other business opportunities of the Borrower as approved by the Borrower’s shareholders.