PREMIUM FINANCE AGREEMENT Florida ***A939343*** Tallahassee, FL 32315 Phone 850-907-5610

EXHIBIT 10.11

		PREMIUM FINANCE AGREEMENT		Florida
				P.O. Box 3066 - 3522 Thomasville Rd.
		***A939343***		Xxxxxxxxxxx, XX 00000
				Phone 000-000-0000

    ¨PERSONAL             xCOMMERCIAL            xNEW             ¨AGENCY RENEWAL            ¨ADD’L PREMIUM

  THIS AGREEMENT, made effective the                 10           day of                         March 2011                        , between

      ORAGENICS, INC.

(Name of Borrower /Insured exactly as it appears in financed policies) SSN OR TAX #                                     

ADDRESS         0000 XXXXXXXX XXXX.

  XXXX  XXXXXXX                                          XXXXX      XX            XXX    00000                          PHONE #    (000) 000-0000           

hereinafter called the Borrower , and Premium Assignment Corporation, a Florida Corporation hereinafter called Lender, for the purpose of financing the purchase of insurance policies described in the scheduled Policies of Insurance listed in page 3 to this Agreement.

TOTAL PRICE OF PREMIUMS		- CASH DOWN PAYMENT		=PRINCIPAL BALANCE OWED ON PREMIUMS		+ DOC STAMPS & SERVICE FEE (if applicable)		= TOTAL AMOUNT FINANCED		+ FINANCE CHARGE (Amount credit costs over term of loan)		= TOTAL OF PAYMENTS (Amount paid if all payments made as scheduled)		ANNUAL INTEREST RATE
61,021. 09		12,204. 22		48,816.87		171.15		48,988.02		1,238.88		50,226.90		5.48

SELECT BILLING OPTION:  ¨Payment Book  xMonthly Invoice YOUR PAYMENT SCHEDULE WILL BE:		Amount of monthly Payment		Number of Payments		Date First Payment is Due
Each monthly payment due on same day of each succeeding month until paid in full.		5,022.69		10		4/10/2011

FOR VALUE RECEIVED, BORROWER PROMISES TO PAY to the order of Lender at the address given at the top of this page, the Total Amount Financed and all sums shown above, including interest at the Annual Interest Rate and other charges as described hereinafter, pursuant to the terms stated below and in page 2 of this Agreement.

1. SECURITY FOR PAYMENT: To secure payment of all sums due under this Agreement, Borrower grants Lender a security interest in any unearned premiums or other sums which may become payable under the Schedule Policies of Insurance shown on page 3

2. LIMITED POWER OF ATTORNEY: BORROWER IRREVOCABLY APPOINTS LENDER AS ATTORNEY-IN-FACT TO CANCEL THE SCHEDULED POLICIES OF INSURANCE AFTER BORROWER DEFAULTS IN MAKING PAYMENTS UNDER THIS AGREEMENT.

3. NOTICE TO BORROWER: (1) Do not sign this Agreement before you read it, or if it contains any blank space, (2) You are entitled to a completely filled in copy of this Agreement, (3) Under the law, you have the right to pay off in advance the full amount due and under certain conditions to obtain a partial refund of the service charge, and (4) BY SIGNING BELOW BORROWER AGREES TO THE PROVISIONS ABOVE AND ALL OF THE TERMS WHICH APPEAR ON THE SECOND PAGE OF THIS AGREEMENT AND ACKNOWLEDGES RECEIPT OF COPIES OF PAGES 1, 2 AND 3 OF THIS AGREEMENT

SIGNATURE OF ALL INSURED[S] NAMED IN THE POLICIES OR AUTHORIZED AGENT OF INSURED[S], AS PERMITTED BY LAW:

3/1/11		CFO
Date		Name and Title:		Date		Name and Title

PRODUCER’S REPRESENTATIONS & WARRANTIES:

The undersigned Producer represents and warrants that: (A) The cash Down payment shown above has been paid by or on behalf of the Borrower. (B) The Total Price of premiums shown above has been or will be used to purchase insurance policies shown in the scheduled policies of insurance on the page 3 of the Agreement Any portion of the Total Price of Premiums received by Producer that is not used to purchase such insurance policies, as well as any refunds or credits on such policies, shall be promptly paid to Lender (C) To the best of the undersigned’s knowledge and belief, Borrower is not subject to any bankruptcy or insolvency proceedings and Producer has no reason to believe that Borrower is insolvent (D) The Borrower’s signature(s) is (are) genuine and authorized, or to the extent permitted by applicable law, the Producer has been authorized by Borrower to sign this Agreement on Borrower’s behalf (E) Producer has delivered or will deliver a copy of this Agreement to Borrower. Producer agrees that the Representations & Warranties above, as well as those on page 3 of this Agreement, are a binding contract between Producer and Lender.

PRODUCER / AGENCY
Name		FABRICANT & FABRICANT INC
Address		0000 XXX XXXXXXXX XXXX
		XXXXXX, XX 00000		Date		PRODUCER’S SIGNATURE