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EXHIBIT 10.15

                                 PROMISSORY NOTE


$99,656.35                                                     September 6, 2001
Due On Demand                                              San Diego, California

         For value received, John Howell ("MAKER"), hereby unconditionally
promises to pay to the order of New Visual Corporation, a Utah corporation
("PAYEE"), ON DEMAND the principal sum of NINETY NINE THOUSAND SIX HUNDRED FIFTY
SIX AND 35/100 DOLLARS ($99,656.35), plus accrued interest on the principal
hereof outstanding from time to time, pursuant to the terms and conditions of
this Promissory Note (this "NOTE").

         1. PRINCIPAL AND INTEREST. Maker promises to pay ON DEMAND: (a) the
principal amount of this Note and (b) interest on the principal amount at the
rate of the lesser of: (i) the maximum amount permitted by law, and (ii) seven
percent (7%) per annum, compounded annually, based on a three hundred sixty-five
day year. Maker shall pay the principal and all unpaid accrued interest in a
lump sum on demand. All payments of principal and interest hereunder shall be in
lawful money of the United States of America and shall be made to Payee. All
payments shall be applied first to accrued interest and thereafter to principal.
Without prejudice to the other rights of Payee pursuant to this Note, if Maker
fails to pay any amounts due on this Note after demand, all unpaid amounts shall
accrue interest at the lesser of: (a) the maximum amount permitted by law and
(b) twelve percent (12%) per annum, until paid.

         2. RIGHT TO PREPAY. The principal amount hereof may be prepaid in whole
or in part without prepayment penalty. Any prepayment of the principal amount
hereof, whether in part or in whole, shall include accrued interest to the date
of prepayment on the principal amount being paid.

         3. COSTS AND EXPENSES. Maker promises to pay, upon Payee's demand
therefor, all costs and expenses, including reasonable attorneys' fees (defined
as being actual hours worked at the standard billing rates of the attorneys
involved in any matter), incurred in the collection and enforcement of this
Note.

         4. WAIVER. No delay on the part of Payee in the exercise of any right,
power or remedy shall operate as a waiver thereof, nor shall any single or
partial exercise by Payee of any right, power or remedy preclude other or
further exercise thereof, or the exercise of any other right, power or remedy.
No waiver by Payee of any right or remedy hereunder shall be effective unless in
a writing signed by Payee.

         5. AMENDMENTS. No amendment, modification or waiver of, or consent with
respect to, any provision of this Note shall in any event be effective unless
the same shall be in writing and signed and delivered by Payee, and then any
such amendment, modification, waiver or consent shall be effective only in the
specific instance and for the specific purpose for which given.

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         6. INVALIDITY. If any provision of this Note, or the application of it
to any party or circumstance is held to be invalid, the same shall be
ineffective, but the remainder of this Note, and the application of such
provisions to other parties or circumstances, shall not be affected thereby.

         7. SUCCESSORS, ASSIGNMENT. The terms and conditions of this Note shall
apply to and bind the heirs, successors, legal representatives and assigns of
the parties; PROVIDED, HOWEVER, that Maker's obligations under this Note may not
be assigned without the prior written consent of Payee.

         8. GOVERNING LAW AND SELECTION OF FORUM. The terms of this Note shall
be construed in accordance with the laws of the State of California, as applied
to contracts entered into by California residents within the State of California
and to be performed entirely within the State of California. The parties agree
that any litigation concerning this Note shall take place in California state
court. Each party hereby consents to the jurisdiction of that court.

         9. NOTICE. All notices, requests and demands to or upon the respective
parties hereto to be effective shall be in writing (including by facsimile and
electronic transmission) and, unless otherwise expressly provided herein, shall
be deemed to have been duly given or made (i) in the case of delivery by hand,
when delivered, (ii) in the case of delivery by mail, three (3) days after being
deposited in the mails, postage prepaid, or (iii) in the case of delivery by
facsimile or electronic transmission, when sent and receipt has been confirmed,
addressed as follows:

         If to Maker:
                           John Howell
                           5920 Friars Road, Suite 104
                           San Diego, CA 92108
                           Facsimile:  (619) 718-7446

         If to Payee:
                           New Visual Corporation
                           5920 Friars Road, Suite 104
                           San Diego, CA  92108
                           Attn:  Chief Financial Officer
                           Facsimile:  (619) 718-7446

         IN WITNESS WHEREOF, Maker has executed and delivered this Promissory
Note as of the day and year and the place first above written.



                                    /S/  JOHN HOWELL

                                   JOHN HOWELL


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