EXHIBIT 10.36 JOINT DISBURSEMENT INSTRUCTIONS

                                                                   EXHIBIT 10.36

                         JOINT DISBURSEMENT INSTRUCTIONS

                           FOR CLOSING: JULY 13, 2005

         The undersigned do hereby:

     1. Acknowledge the execution of a Promissory Note dated July 13, 2005

("Promissory Note") between CORD BLOOD AMERICA, INC., a Florida corporation (the

"Company") and Cornell Capital Partners, LP ("Cornell"), in the amount of

$500,000.

     2. Represents that two Advance Notices in the amount of $250,000 each

issuable under the terms of the Standby Equity Distribution Agreement dated

March 22, 2005 (the "SEDA"), the proceeds of which shall be used to repay the

Promissory Note, shall be held in escrow by Kirkpatrick & Lockhart, Nicholson

Graham