Summary of RELIV INTERNATIONAL INC

Item 2.03 Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant.

On September 30, 2012, the Registrant entered into a term loan with BMO Harris Bank N.A. (the "Bank") in the principal amount of $2.907 million. The loan was renegotiated from a loan that originated with the Bank on November 30, 2010. The term of the loan is for a period of three years and two months with interest accruing on the outstanding principal balance at a floating interest rate based on the 30-day LIBOR plus 2.0%. Monthly principal and interest payments are based on approximately a seven-year amortization. The aggregate outstanding balance of principal and interest is due and payable on November 30, 2015.

The Registrant also renewed a revolving credit facility for $5 million with the Bank. The credit facility accrues interest on the outstanding principal balance at a floating interest rate based on 30-day LIBOR plus 1.85% and has a maturity date of September 30, 2013. As of this date, there are no outstanding borrowings on the revolving credit facility.

The terms of the term loan and revolving credit facility are reflected in separate promissory notes dated September 30, 2012 between the Registrant and the Bank. A separate letter agreement dated April 4, 2012 stating the financial covenants related to the term loan and revolving credit facility continues in effect.

Under the terms of the letter agreement, the Registrant has agreed to financial covenants under which the Registrant will (i) maintain at all times a tangible net worth of not less than $11 million and (ii) maintain at all times a ratio of Total Funded Debt to EBITDA of not greater than 2.5 to 1. The term loan and revolving credit facility are secured by all tangible and intangible assets of the Registrant and also by a mortgage on the Registrant's building and real estate located in Chesterfield, Missouri.