The Company has agreed for repayment of loans made to the Company by Dr. Robert Zayas, as follows: All loans shall be due and payable on December 31, 2015 and shall bear no interest.

EXHIBIT 10.3

The Company has agreed for repayment of loans made to the Company by Xx. Xxxxxx Xxxxx, as follows:

All loans shall be due and payable on December 31, 2015 and shall bear no interest.