Document:

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                                                                   Exhibit 10.22

THIS PROMISSORY NOTE HAS NOT BEEN REGISTERED UNDER THE SECURITIES ACT OF 1933 OR
ANY STATE SECURITIES LAW. THIS PROMISSORY NOTE MAY NOT BE SOLD OR OFFERED FOR
SALE UNLESS REGISTERED UNDER SUCH LAWS OR UNLESS AN EXEMPTION FROM SUCH
REGISTRATION IS AVAILABLE.

                                 PROMISSORY NOTE
                             Dated January 31, 2000
                       IN THE PRINCIPLE AMOUNT OF $465,500

     FOR VALUE RECEIVED, the undersigned (hereinafter called the "Borrower")
hereby promises to pay to Western Multiplex Corporation, a Delaware corporation
("WMC" or the "Lender"), or its registered assigns, at its office at 1196
Borregas Avenue, Sunnyvale, California 94089, or at such other address in the
United States as the Lender or any subsequent holder of this Promissory Note
shall stipulate in written notice to the Borrower, the aggregate principal
amount of the loan (the "Loan") made by the Lender to the Borrower evidenced
hereby together with interest thereon at the rate specified in Section 1(b)
below, all in accordance with the following terms and provisions.

     This Promissory Note is being issued to finance the Borrower's purchase of
950,000 shares of Class A common stock of WMC Holding Corp., a Delaware
corporation ("Holding"), par value $.01 per share (the "Assisted Shares"),
pursuant to the Subscription and Employee Stockholder's Agreement, dated as of
January 31, 2000, among the Lender, Holding, Borrower and Ripplewood Partners,
L.P (the "Employee Stockholder's Agreement"). All capitalized terms used herein
but not defined shall have the meaning attributed to them in the Employee
Stockholder's Agreement.

     SECTION 1. Payment of Principal and Interest.
                ----------------------------------

     (a)  Subject to Section 2 below, the principal amount shall be due and
          payable in full on the earlier of (i) the [30th] day following the
          date on which WMC and Holding exercise a Call Right pursuant to
          Section 6 of the Employee Stockholder's Agreement and (ii) the tenth
          anniversary of the date hereof (the earlier of such dates, the "Final
          Maturity Date").

     (b)  Subject to Section 2 below, interest on each Loan will accrue at the
          rate of 8% per annum, payable annually in arrears and if not paid,
          shall be due and payable on the Final Maturity Date.
<PAGE>

                                                                               2

     (c)  All payments of principal and interest hereunder shall be made in
          lawful money of the United States of America.

     SECTION 2. Prepayments.
                -----------

     (a)  Mandatory Prepayments. All proceeds from the repurchase by WMC of all
          ---------------------
          or any portion of the Employee Stockholder's Stock (collectively, the
          "Repurchase Proceeds") will be paid to WMC and credited to the payment
          of this Promissory Note as follows:

          (i)  to the prepayment of the accrued interest on the aggregate amount
               of the principal of the Loan; and

          (ii) to the prepayment in full of the principal amount of the Loan.

     (b)  Optional Prepayments. All distributions made in respect of, and
          --------------------
          proceeds from the sale of all or any portion of the Employee
          Stockholder's Stock (collectively, "Sale Proceeds") may be paid, at
          the Employee Stockholder's option, to WMC and credited to the
          prepayment of this Promissory Note as follows:

          (i)  to the prepayment of the accrued interest on the aggregate amount
               of the principal of the Loan; and

          (ii) to the prepayment in full of the principal amount of the Loan.

     (c)  From time to time the Borrower may prepay the Loan, in whole or in
          part, without premium or penalty, upon at least four days' prior
          notice to the Lender. If any notice of prepayment is given, the amount
          specified in such notice shall be due and payable on the date
          specified therein, together with accrued interest to the payment date
          on the amount prepaid. Amounts prepaid may not be reborrowed.

     (d)  Prepayments of principal shall be applied first to the "Recourse
          Portion" (as defined in Section 3(b) below) of the Loan until the
          Recourse Portion of the Loan is repaid in full, after which this
          Promissory Note shall be non-recourse as provided in Section 3(b)
          below.

     SECTION 3. Security; Limited Recourse.
                ---------------------------

     (a)  Payments on account of the principal and interest on the Loan are and
          shall be secured for the benefit of Lender pursuant to the terms of
          that certain Pledge and Security Agreement dated as of the date hereof
          by and between the Borrower, as borrower, and the Lender, as secured
          party (the "Pledge Agreement"). The holder of this Promissory Note is
          entitled to the benefits of the Pledge Agreement and the security
          referred to therein, to which reference is hereby made for a
          description of the properties and rights included in such security,
          the nature of such security and the rights of the parties with respect
          to such security. The Lender may enforce the agreements of the
          Borrower contained therein and exercise the remedies provided
<PAGE>

                                                                               3

          for thereby or otherwise available in respect thereof, all in
          accordance with the terms thereof.

     (b)  The lender shall have full recourse against the Borrower with respect
          to up to fifty percent (50%) of the principal amount of this
          Promissory Note (the "Recourse Principal Amount") and shall have full
          recourse against the Borrower with respect to one-hundred percent
          (100%) of the full amount of the interest which shall accrue and
          become payable pursuant to Section 1(b) this Promissory Note (the
          Recourse Principal Amount and the interest, together, the "Recourse
          Portion"); provided that no recourse shall be had by the Lender for
                     --------
          any amount of the principal amount of this Promissory Note in excess
          of the Recourse Principal Amount and any other claim however arising,
          based upon, or otherwise relating in any manner to, this Promissory
          Note or the Pledge Agreement, against the Borrower or his successors
          or assigns, whether by virtue of any statute or rule of law (including
          without limitation any costs or expenses relating thereto), or by the
          enforcement of any assessment or penalty or otherwise, all such
          liability being, by the acceptance hereof, expressly waived by the
          Lender. After repayment in full of the Recourse Portion, Borrower
          shall have no personal liability to Lender under the Loan or the
          Pledge Agreement.

     SECTION 4. Events of Default. If one or more of the following events
                -----------------
(individually, an "Event of Default," and collectively, "Events of Default")
shall occur and be continuing whether such occurrences shall be voluntary or
involuntary, or come about or be effected by operation of law or pursuant to or
in compliance with any judgment, decree or order of any court or any order, rule
or regulation of any administrative or governmental body:

     (a)  default shall be made, which default shall continue unremedied for a
          period of 10 days, in the due and punctual payment of the principal of
          or interest on Loan made pursuant to this Promissory Note after the
          same shall have been due and payable (whether at maturity or on a date
          on which any prepayment of principal and/or interest is due or by
          acceleration, declaration, demand or otherwise);

     (b)  the Borrower shall default in the due performance and observance by it
          of any other Obligation (as defined in the Pledge Agreement) and any
          such default shall continue for more than 30 days;

     (c)  any representation or warranty to the Lender or Holding contained in
          this Promissory Note or the Pledge Agreement or the Employee
          Stockholder's Agreement proves to have been false in any material
          respect when made;

     (d)  the Pledge Agreement shall cease, for any reason, to be in full force
          and effect in any material respect or any party hereto (other than the
          Lender) shall so assert or (ii) the security interest created by such
          Agreement shall cease, for any reason other than a release by the
          Secured Party (as defined in the Pledge Agreement), to be enforceable
          and of the same effect and priority purported to be created hereby;

     (e)  the Borrower willfully breaches any material covenant or agreement
          made herein (other than as described in (a) above), in the Pledge
          Agreement or in the Employee Stockholder's Agreement and such breach
          shall continue unremedied for a period of 30 days; or
<PAGE>

                                                                               4

     (f)  (i) the Borrower shall commence any case, proceeding or other action
          (A) under any existing or future law of any jurisdiction, domestic or
          foreign, relating to bankruptcy, insolvency, reorganization or relief
          of borrowers, seeking to have an order for relief entered with respect
          to it, or seeking to adjudicate it a bankrupt or insolvent, or seeking
          reorganization, arrangement, adjustment, winding-up, liquidation,
          dissolution, composition or other relief with respect to it or its
          debts, or (B) seeking appointment of a receiver, trustee, custodian or
          other similar official for it or for all or any substantial part of
          its assets, or the Borrower shall make a general assignment for the
          benefit of its creditors; or (ii) there shall be commenced against the
          Borrower any case, proceeding or other action of a nature referred to
          in clause (i) above which (A) results in the entry of an order for
          relief or any such adjudication or appointment or (B) remains
          undismissed, undischarged or unbonded for a period of 60 days; or
          (iii) the Borrower shall take any action in furtherance of, or
          indicating its consent to, approval of, or acquiescence in, any of the
          acts set forth in clause (i) or (ii) above; or (iv) the Borrower shall
          generally not, or shall be unable to, or shall admit in writing its
          inability to, pay its debts as they become due;

then, subject to Section 3(b) above, the Lender may, at any time thereafter at
its option, declare the Obligations to be due and payable, whereupon the same
shall forthwith become due and payable, together with interest (including
additional interest, if any) accrued thereon, without presentment, demand,
protest or notice of any kind whatsoever, all of which are hereby expressly
waived by Borrower.

     SECTION 5. Certain Waivers and Acknowledgments by Borrower; Borrower's
                -----------------------------------------------------------
Representations and Warranties.
------------------------------

     (a)  The Borrower and any endorser of this Promissory Note hereby expressly
          waive presentment for payment, demand, notice of nonpayment and
          dishonor, protest, notice of protest and notice of any other kind and
          waive trial by jury in any action or proceeding arising on, out of,
          under or by reason of this Promissory Note.

     (b)  The Borrower hereby represents, warrants and agrees that this
          Promissory Note is a valid and binding obligation of the undersigned,
          enforceable against the undersigned in accordance with and subject to
          its terms (except as enforceability may be limited by applicable
          bankruptcy, insolvency, reorganization, moratorium or similar laws
          affecting the enforcement of creditors' rights generally and by
          general equitable principles) and that the undersigned will make
          indefeasible payment in full of all amounts due under this Promissory
          Note as and when due hereunder in accordance with and subject to the
          terms of this Promissory Note without claiming or asserting any
          discount, defense, breach of warranty, breach of contract, setoff,
          counterclaim or other right with respect to any of the contracts or
          arrangements entered into with or by Lender, Holding or any of their
          respective affiliates in connection with the purchase of the Assisted
          Shares or otherwise. The obligations represented by this Promissory
          Note shall be absolute irrespective of any setoff, claim,
          counterclaim, defense or other right which the Borrower may have
          against anyone for any reason whatsoever.
<PAGE>

                                                                               5

     SECTION 6. Miscellaneous.
                --------------

     (a)  This Promissory Note shall be binding upon and enforceable against the
          Borrower and his or her heirs, successors and assigns. The Borrower
          shall not have the right to assign all or any part of its rights or
          obligations under this Promissory Note without the consent of the
          Lender, which consent may be withheld in the sole discretion of the
          Lender.

     (b)  Subject to Section 3(b) above, the Borrower agrees to indemnify the
          Lender and to hold the Lender harmless from any loss or expense which
          such Lender may sustain or incur as a consequence of a default by the
          Borrower in the payment when due of the principal amount of or
          interest on any Loan.

     (c)  In addition to any rights and remedies of the Lender provided by law,
          the Lender shall have the right, subject to Section 3(b) above,
          without prior notice to the Borrower, any such notice being expressly
          waived by the Borrower to the extent permitted by applicable law, upon
          any amount becoming due and payable by the Borrower hereunder (whether
          at the stated maturity, by acceleration or otherwise) to set-off and
          appropriate and apply against such amount any and all amounts at any
          time held or owing to the Borrower on account of its Stock, and,
          unless the Lender otherwise consents, the Lender shall have the right
          to receive, and Lender and Holding are hereby authorized and directed
          by the Borrower to retain; or pay to the Lender, as the case may be,
          any amounts distributable or payable to the Borrower in respect of the
          Borrower's Stock.

     (d)  The obligations of the Borrower hereunder shall not be contingent upon
          or affected by any similar undertaking of any other employee of WMC.
          The Borrower agrees that the Lender may proceed to enforce this
          Promissory Note without also proceeding to enforce any comparable note
          executed by any other employees of WMC.

     (e)  Subject to Section 3(b) above, neither the sale or liquidation of WMC
          nor the transfer of all or any portion of the Borrower's Stock shall
          affect the liability of the Borrower under this Promissory Note unless
          and to the extent that the Lender shall have executed and delivered to
          the Borrower a written consent to the release, or assumption by
          another party acceptable to the Lender in its sole discretion, of the
          liability of the Borrower under this Promissory Note. The Lender may
          assign its rights under this Promissory Note (and under the similar
          notes of the other employees of WMC) without having to obtain the
          consent of the Borrower or of any of the other employees.

     (f)  The Borrower shall not have any right of subrogation to or
          contribution from any person whatsoever with respect to any payments
          which the Borrower may make pursuant to this Promissory Note.

     (g)  This Promissory Note shall be governed by and construed in accordance
          with the laws of the State of California. The Borrower hereby
          irrevocably submits to the jurisdiction of any state or Federal

<PAGE>

                                                                               6

          court sitting in the State of California for the purposes of any suit,
          action or other proceeding arising out of or relating to this
          Promissory Note. The Borrower hereby waives and agrees not to assert
          in any such proceeding a claim that the Borrower is not personally
          subject to the jurisdiction of the court referred to above, that the
          suit or action was brought in an inconvenient forum or that the venue
          of the suit or action is improper.

     (h)  No failure to exercise and no delay in exercising, on the part of the
          Lender, any right, remedy, power or privilege hereunder shall operate
          as a waiver thereof; nor shall any single or partial exercise of any
          right, remedy, power or privilege hereunder preclude any other or
          further exercise thereof or the exercise of any other right, remedy,
          power or privilege. The rights, remedies, powers and privileges herein
          provided are cumulative and not exclusive of any rights, remedies,
          powers and privileges provided by law.

     (i)  If any provision of this Promissory Note is invalid or unenforceable
          under any applicable law, then such provision shall be deemed
          inoperative to the extent that it may conflict therewith and shall be
          deemed modified to conform with such applicable law. Any provision
          hereof which may be held invalid or unenforceable under any applicable
          law shall not affect the validity or enforceability of any other
          provision hereof, and to this extent the provisions hereof shall be
          severable.

     (j)  Except as expressly provided herein, this Promissory Note may not be
          amended or otherwise modified except by a written instrument signed by
          the Borrower and the Lender.

     (k)  THE BORROWER AND THE LENDER HEREBY IRREVOCABLY AND UNCONDITIONALLY
          WAIVE TRIAL BY JURY IN ANY LEGAL ACTION OR PROCEEDING RELATING TO THIS
          PROMISSORY NOTE OR THE PLEDGE AGREEMENT AND FOR ANY COUNTERCLAIM
          THEREIN.

     (l)  All notices and other communications hereunder shall be in writing and
          delivered, telecopied, or mailed (certified mail, return receipt
          requested, postage prepaid) to the addresses listed in Section 23 of
          the Employee Stockholders Agreement.

     IN WITNESS WHEREOF, the Borrower has caused this Promissory Note to be
executed as of the date hereof.

 /s/ Amir Zoufonoun
------------------------------
Borrower:

 /s/ Lisa Zoufonoun
------------------------------
Borrower's Spouse<PAGE>

                                                                   Exhibit 10.23

THIS PROMISSORY NOTE HAS NOT BEEN REGISTERED UNDER THE SECURITIES ACT OF 1933 OR
ANY STATE SECURITIES LAW.  THIS PROMISSORY NOTE MAY NOT BE SOLD OR OFFERED FOR
SALE UNLESS REGISTERED UNDER SUCH LAWS OR UNLESS AN EXEMPTION FROM SUCH
REGISTRATION IS AVAILABLE.

                                PROMISSORY NOTE
                            Dated February 16, 2000
                       IN THE PRINCIPLE AMOUNT OF $93,100

          FOR VALUE RECEIVED, the undersigned (hereinafter called the
"Borrower") hereby promises to pay to Western Multiplex Corporation, a Delaware
corporation ("WMC" or the "Lender"), or its registered assigns, at its office at
1196 Borregas Avenue, Sunnyvale, California 94089, or at such other address in
the United States as the Lender or any subsequent holder of this Promissory Note
shall stipulate in written notice to the Borrower, the aggregate principal
amount of the loan (the "Loan") made by the Lender to the Borrower evidenced
hereby together with interest thereon at the rate specified in Section 1(b)
below, all in accordance with the following terms and provisions.

     This Promissory Note is being issued to finance the Borrower's purchase of
190,000 shares of Class A common stock of WMC Holding Corp., a Delaware
corporation ("Holding"), par value $.01 per share (the "Assisted Shares"),
pursuant to the Subscription and Employee Stockholder's Agreement, dated as of
February 16, 2000, among the Lender, Holding, Borrower and Ripplewood Partners,
L.P (the "Employee Stockholder's Agreement").  All capitalized terms used herein
but not defined shall have the meaning attributed to them in the Employee
Stockholder's Agreement.

          SECTION 1.  Payment of Principal and Interest.
                      ---------------------------------

          (a) Subject to Section 2 below, the principal amount shall be due and
payable in full on the earlier of (i) the [30th] day following the date on which
WMC and Holding exercise a Call Right pursuant to Section 6 of the Employee
Stockholder's Agreement and (ii) the tenth anniversary of the date hereof (the
earlier of such dates, the "Final Maturity Date").

          (b)  Subject to Section 2 below, interest on each Loan will accrue at
the rate of 8% per annum, payable annually in arrears and if not paid, shall be
due and payable on the Final Maturity Date.
<PAGE>

                                                                               2

          (c)  All payments of principal and interest hereunder shall be made in
lawful money of the United States of America.

          SECTION 2.  Prepayments.
                      -----------

          (a)  Mandatory Prepayments. All proceeds from the repurchase by WMC of
               ---------------------
all or any portion of the Employee Stockholder's Stock (collectively, the
"Repurchase Proceeds") will be paid to WMC and credited to the payment of this
Promissory Note as follows:

               (i)   to the prepayment of the accrued interest on the aggregate
                     amount of the principal of the Loan; and

               (ii)  to the prepayment in full of the principal amount of the
                     Loan.

          (b)  Optional Prepayments.  All distributions made in respect of, and
               --------------------
proceeds from the sale of all or any portion of the Employee Stockholder's Stock
(collectively, "Sale Proceeds") may be paid, at the Employee Stockholder's
option, to WMC and credited to the prepayment of this Promissory Note as
follows:

               (i)   to the prepayment of the accrued interest on the aggregate
                     amount of the principal of the Loan; and

               (ii)  to the prepayment in full of the principal amount of the
                     Loan.

          (c)  From time to time the Borrower may prepay the Loan, in whole or
in part, without premium or penalty, upon at least four days' prior notice to
the Lender.  If any notice of prepayment is given, the amount specified in such
notice shall be due and payable on the date specified therein, together with
accrued interest to the payment date on the amount prepaid.  Amounts prepaid may
not be reborrowed.

          (d)  Prepayments of principal shall be applied first to the "Recourse
Portion" (as defined in Section 3(b) below) of the Loan until the Recourse
Portion of the Loan is repaid in full, after which this Promissory Note shall be
non-recourse as provided in Section 3(b) below.

          SECTION 3.  Security; Limited Recourse.
                      --------------------------

          (a)  Payments on account of the principal and interest on the Loan are
and shall be secured for the benefit of Lender pursuant to the terms of that
certain Pledge and Security Agreement dated as of the date hereof by and between
the Borrower, as borrower, and the Lender, as secured party (the "Pledge
Agreement"). The holder of this Promissory Note is entitled to the benefits of
the Pledge Agreement and the security referred to therein, to which reference is
hereby made for a description of the properties and rights included in such
security, the nature of such security and the rights of the parties with respect
to such security. The Lender may enforce the agreements of the Borrower
contained therein and exercise the remedies provided
<PAGE>

                                                                               3

for thereby or otherwise available in respect thereof, all in accordance with
the terms thereof.

     (b)  The Lender shall have full recourse against the Borrower with respect
to up to fifty percent (50%) of the principal amount of this Promissory Note
(the "Recourse Principal Amount") and shall have full recourse against the
Borrower with respect to one-hundred percent (100%) of the full amount of the
interest which shall accrue and become payable pursuant to Section 1(b) this
Promissory Note (the Recourse Principal Amount and the interest, together, the
"Recourse Portion"); provided that no recourse shall be had by the Lender for
                     --------
any amount of the principal amount of this Promissory Note in excess of the
Recourse Principal Amount and any other claim however arising, based upon, or
otherwise relating in any manner to, this Promissory Note or the Pledge
Agreement, against the Borrower or his successors or assigns, whether by virtue
of any statute or rule of law (including without limitation any costs or
expenses relating thereto), or by the enforcement of any assessment or penalty
or otherwise, all such liability being, by the acceptance hereof, expressly
waived by the Lender. After repayment in full of the Recourse Portion, Borrower
shall have no personal liability to Lender under the Loan or the Pledge
Agreement.

          SECTION 4.  Events of Default.  If one or more of the following events
                      -----------------
(individually, an "Event of Default," and collectively, "Events of Default")
shall occur and be continuing whether such occurrences shall be voluntary or
involuntary, or come about or be effected by operation of law or pursuant to or
in compliance with any judgment, decree or order of any court or any order, rule
or regulation of any administrative or governmental body:

          (a) default shall be made, which default shall continue unremedied
for a period of 10 days, in the due and punctual payment of the principal of or
interest on Loan made pursuant to this Promissory Note after the same shall have
been due and payable (whether at maturity or on a date on which any prepayment
of principal and/or interest is due or by acceleration, declaration, demand or
otherwise);

          (b) the Borrower shall default in the due performance and observance
by it of any other Obligation (as defined in the Pledge Agreement) and any such
default shall continue for more than 30 days;

          (c) any representation or warranty to the Lender or Holding contained
in this Promissory Note or the Pledge Agreement or the Employee Stockholder's
Agreement proves to have been false in any material respect when made;

          (d) the Pledge Agreement shall cease, for any reason, to be in full
force and effect in any material respect or any party hereto (other than the
Lender) shall so assert or (ii) the security interest created by such Agreement
shall cease, for any reason other than a release by the Secured Party (as
defined in the Pledge Agreement), to be enforceable and of the same effect and
priority purported to be created hereby;

          (e) the Borrower willfully breaches any material covenant or
agreement made herein (other than as described in (a) above), in the Pledge
Agreement or in the Employee Stockholder's Agreement and such breach shall
continue unremedied for a period of 30 days; or
<PAGE>

                                                                               4

          (f)(i) the Borrower shall commence any case, proceeding or other
action (A) under any existing or future law of any jurisdiction, domestic or
foreign, relating to bankruptcy, insolvency, reorganization or relief of
borrowers, seeking to have an order for relief entered with respect to it, or
seeking to adjudicate it a bankrupt or insolvent, or seeking reorganization,
arrangement, adjustment, winding-up, liquidation, dissolution, composition or
other relief with respect to it or its debts, or (B) seeking appointment of a
receiver, trustee, custodian or other similar official for it or for all or any
substantial part of its assets, or the Borrower shall make a general assignment
for the benefit of its creditors; or (ii) there shall be commenced against the
Borrower any case, proceeding or other action of a nature referred to in clause
(i) above which (A) results in the entry of an order for relief or any such
adjudication or appointment or (B) remains undismissed, undischarged or unbonded
for a period of 60 days; or (iii) the Borrower shall take any action in
furtherance of, or indicating its consent to, approval of, or acquiescence in,
any of the acts set forth in clause (i) or (ii) above; or (iv) the Borrower
shall generally not, or shall be unable to, or shall admit in writing its
inability to, pay its debts as they become due;

then, subject to Section 3(b) above, the Lender may, at any time thereafter at
its option, declare the Obligations to be due and payable, whereupon the same
shall forthwith become due and payable, together with interest (including
additional interest, if any) accrued thereon, without presentment, demand,
protest or notice of any kind whatsoever, all of which are hereby expressly
waived by Borrower.

          SECTION 5.  Certain Waivers and Acknowledgments by Borrower;
                      ------------------------------------------------
Borrower's Representations and Warranties.
-----------------------------------------

          (a)  The Borrower and any endorser of this Promissory Note hereby
expressly waive presentment for payment, demand, notice of nonpayment and
dishonor, protest, notice of protest and notice of any other kind and waive
trial by jury in any action or proceeding arising on, out of, under or by reason
of this Promissory Note.

          (b)  The Borrower hereby represents, warrants and agrees that this
Promissory Note is a valid and binding obligation of the undersigned,
enforceable against the undersigned in accordance with and subject to its terms
(except as enforceability may be limited by applicable bankruptcy, insolvency,
reorganization, moratorium or similar laws affecting the enforcement of
creditors' rights generally and by general equitable principles) and that the
undersigned will make indefeasible payment in full of all amounts due under this
Promissory Note as and when due hereunder in accordance with and subject to the
terms of this Promissory Note without claiming or asserting any discount,
defense, breach of warranty, breach of contract, setoff, counterclaim or other
right with respect to any of the contracts or arrangements entered into with or
by Lender, Holding or any of their respective affiliates in connection with the
purchase of the Assisted Shares or otherwise.  The obligations represented by
this Promissory Note shall be absolute irrespective of any setoff, claim,
counterclaim, defense or other right which the Borrower may have against anyone
for any reason whatsoever.
<PAGE>

                                                                               5

          SECTION 6.  Miscellaneous.
                      --------------

          (a)  This Promissory Note shall be binding upon and enforceable
against the Borrower and his or her heirs, successors and assigns. The Borrower
shall not have the right to assign all or any part of its rights or obligations
under this Promissory Note without the consent of the Lender, which consent may
be withheld in the sole discretion of the Lender.

          (b)  Subject to Section 3(b) above, the Borrower agrees to indemnify
the Lender and to hold the Lender harmless from any loss or expense which such
Lender may sustain or incur as a consequence of a default by the Borrower in the
payment when due of the principal amount of or interest on any Loan.

          (c)  In addition to any rights and remedies of the Lender provided by
law, the Lender shall have the right, subject to Section 3(b) above, without
prior notice to the Borrower, any such notice being expressly waived by the
Borrower to the extent permitted by applicable law, upon any amount becoming due
and payable by the Borrower hereunder (whether at the stated maturity, by
acceleration or otherwise) to set-off and appropriate and apply against such
amount any and all amounts at any time held or owing to the Borrower on account
of its Stock, and, unless the Lender otherwise consents, the Lender shall have
the right to receive, and Lender and Holding are hereby authorized and directed
by the Borrower to retain; or pay to the Lender, as the case may be, any amounts
distributable or payable to the Borrower in respect of the Borrower's Stock.

          (d)  The obligations of the Borrower hereunder shall not be contingent
upon or affected by any similar undertaking of any other employee of WMC.  The
Borrower agrees that the Lender may proceed to enforce this Promissory Note
without also proceeding to enforce any comparable note executed by any other
employees of WMC.

          (e)  Subject to Section 3(b) above, neither the sale or liquidation of
WMC nor the transfer of all or any portion of the Borrower's Stock shall affect
the liability of the Borrower under this Promissory Note unless and to the
extent that the Lender shall have executed and delivered to the Borrower a
written consent to the release, or assumption by another party acceptable to the
Lender in its sole discretion, of the liability of the Borrower under this
Promissory Note.  The Lender may assign its rights under this Promissory Note
(and under the similar notes of the other employees of WMC) without having to
obtain the consent of the Borrower or of any of the other employees.

          (f)  The Borrower shall not have any right of subrogation to or
contribution from any person whatsoever with respect to any payments which the
Borrower may make pursuant to this Promissory Note.

          (g) This Promissory Note shall be governed by and construed in
accordance with the laws of the State of California. The Borrower hereby
irrevocably submits to the jurisdiction of any state or Federal court
<PAGE>

                                                                               6

sitting in the State of California for the purposes of any suit, action or other
proceeding arising out of or relating to this Promissory Note. The Borrower
hereby waives and agrees not to assert in any such proceeding a claim that the
Borrower is not personally subject to the jurisdiction of the court referred to
above, that the suit or action was brought in an inconvenient forum or that the
venue of the suit or action is improper.

          (h)  No failure to exercise and no delay in exercising, on the part of
the Lender, any right, remedy, power or privilege hereunder shall operate as a
waiver thereof; nor shall any single or partial exercise of any right, remedy,
power or privilege hereunder preclude any other or further exercise thereof or
the exercise of any other right, remedy, power or privilege.  The rights,
remedies, powers and privileges herein provided are cumulative and not exclusive
of any rights, remedies, powers and privileges provided by law.

          (i)  If any provision of this Promissory Note is invalid or
unenforceable under any applicable law, then such provision shall be deemed
inoperative to the extent that it may conflict therewith and shall be deemed
modified to conform with such applicable law.  Any provision hereof which may be
held invalid or unenforceable under any applicable law shall not affect the
validity or enforceability of any other provision hereof, and to this extent the
provisions hereof shall be severable.

          (j)  Except as expressly provided herein, this Promissory Note may not
be amended or otherwise modified except by a written instrument signed by the
Borrower and the Lender.

          (k)  THE BORROWER AND THE LENDER HEREBY IRREVOCABLY AND
UNCONDITIONALLY WAIVE TRIAL BY JURY IN ANY LEGAL ACTION OR PROCEEDING RELATING
TO THIS PROMISSORY NOTE OR THE PLEDGE AGREEMENT AND FOR ANY COUNTERCLAIM
THEREIN.

          (l)  All notices and other communications hereunder shall be in
writing and delivered, telecopied, or mailed (certified mail, return receipt
requested, postage prepaid) to the addresses listed in Section 23 of the
Employee Stockholders Agreement.

          IN WITNESS WHEREOF, the Borrower has caused this Promissory Note to be
executed as of the date hereof.

  /s/ Nancy Huber
-----------------------
Borrower:

  /s/ Mr. Huber
-----------------------
Borrower's Spouse

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