0001016843-97-000452 Sample Contracts

EXHIBIT 10.13 VITECH AMERICA, INC. 10% SENIOR NOTE DUE JUNE 26, 1999
Vitech America Inc • July 25th, 1997 • Electronic computers

This Note is the direct obligation of the Company chargeable against all of its property, whatsoever and wheresoever, both present and future, and, if divided into separate Notes, all such Notes shall rank equal and ratably without preference or priority of any of said Notes, over any others thereof.

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