EXHIBIT 10.25 SUMMARY OF PROPOSED TERMS AND CONDITIONS (For discussion purposes only) June 14, 1996 BORROWER: Suburban Ostomy Supply Co., Inc. ("the Borrower") LENDER: The First National Bank of Boston ("the Bank") FACILITY: $30,000,000 acquisition revolving credit facility MATURITY: June 30, 2000 COLLATERAL: First security interest in all corporate assets PRICING: Outstanding amounts under the facilities shall initially accrue interest according to the following pricing alternative as selected by the borrower: Total Debt EBITDA LIBOR+ Base+ ------ ------ ----- less than 1.5X 100 0 1.5X - 2.0X 125 0 2 - 2.25X 150 0 more than 2.5X 175 0 FEES: 0.25% per annum fee, payable quarterly, on the unused portion COVENANTS: To be tested quarterly on a consolidated, rolling four quarter basis (where applicable), including but not limited to the following: 1) Maximum, Total Debt/EBITDA 2) Minimum profitability 3) Minimum Total debt service coverage In addition, the credit agreement will include, but not be limited to, standard language governing financial and other reporting requirements, limitations on indebtedness, liens, capital expenditures, management fees, investments, mergers, acquisitions, distributions and changes in control. EXPENSES: The Borrower agrees to reimburse the Bank for any expenses, including legal and examination fees, related to the negotiation, closing and enforcement of the loan agreement. THESE PROPOSED TERMS AND CONDITIONS ARE PROVIDED FOR DISCUSSION PURPOSES ONLY AND DO NOT CONSTITUTE AN OFFER, AGREEMENT OR COMMITMENT TO LEND. THE ACTUAL TERMS AND CONDITIONS UPON WHICH THE BANK MIGHT EXTEND CREDIT TO THE BORROWER ARE SUBJECT TO SATISFACTORY COMPLETION OF DUE DILIGENCE, CREDIT COMMITTEE APPROVAL, SATISFACTORY REVIEW OF DOCUMENTATION AND SUCH OTHER TERMS AND CONDITIONS AS ARE DETERMINED BY THE BANK.