Document:

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                                                                   Exhibit 10.11

                               EXCHANGE AGREEMENT

     This exchange agreement (the "Agreement") is entered into as of the date
set forth below between Castle Dental Centers, Inc., a Delaware corporation (the
"Company"), and the undersigned (the "Exchanging Holder"). The Exchanging Holder
and all other holders of Subordinated Debt (as defined below) who have executed
an agreement similar to this Agreement are referred to herein as the "Exchanging
Holders". The Exchanging Holders are holders of subordinated notes and/or other
subordinated indebtedness issued to various sellers of dental practices to the
Company (collectively, the "Subordinated Debt"). Capitalized terms used in this
Agreement and not otherwise defined herein shall have the respective meanings
ascribed to them in the Company's Confidential Offering Memorandum dated July 5,
2002, as amended to date (the "Memorandum").

     WHEREAS, the aggregate principal plus accrued and unpaid interest
(excluding default interest) (the "Indebtedness") outstanding under the
Exchanging Holder's Subordinated Debt (the "Old Note") through June 30, 2002 is
set forth next to the Exchanging Holder's name on the signature page of this
Agreement;

     WHEREAS, the Exchanging Holder desires to exchange the Indebtedness for
shares of the Company's Convertible Preferred Stock, Series A-1, par value
$0.001 per share (the "Series A Stock"), upon the terms described in the
Memorandum;

     NOW THEREFORE, this Agreement witnesseth that, for and in consideration of
the premises and other good and valuable consideration, the receipt and
sufficiency of which are hereby acknowledged, the Company and the Exchanging
Holder agree as follows;

     Section 1.     Tender and Exchange. Upon the terms and subject to the
conditions of the exchange offer specified in the Memorandum, the Exchanging
Holder hereby tenders to the Company all of, and not a partial interest in, the
principal amount, together with any accrued and unpaid interest (including any
default interest) thereon, of the Old Note. On the Effective Date (defined
below), the Company will exchange the Indebtedness represented by the Old Note
tendered herewith for a number of shares of Series A Stock determined by
dividing the Indebtedness by $100, and rounding up to the nearest whole share of
Series A Stock (the "Exchange"). No fractional shares of Series A Stock will be
issued for such Old Note. No additional payment will be made for default
interest or interest accrued after June 30, 2002 on the Old Note, which is
hereby irrevocably waived. Subject to the Exchange, and effective on the
Effective Date, the Exchanging Holder hereby tenders, exchanges, assigns, and
transfers to, or upon the order of, the Company all right, title, and interest
in and to the Old Note and the Indebtedness represented thereby. The Exchanging
Holder irrevocably constitutes and appoints James M. Usdan as its
attorney-in-fact and agent, with the power of substitution, for the Exchanging
Holder in any and all capacities, to transfer the Old Note to the Company as set
forth in this Section 1, granting to said attorney-in-fact full power and

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authority to do and perform each and every act and thing requisite and necessary
to be done in connection therewith, as fully to all intents and purposes as the
Exchanging Holder might or could do in person, hereby ratifying and confirming
all that said attorney-in-fact, or its substitute, may lawfully do or cause to
be done by virtue of this power of attorney. Promptly following the Effective
Date and the Company's acceptance of the tender of the Exchanging Holder's
Indebtedness represented by the Old Note, the Company will cause to be delivered
to the Exchanging Holder certificates issued in the Exchanging Holder's name
representing the number of shares of Series A Stock for which such Exchanging
Holder's Indebtedness has been exchanged at the address set forth below the
Exchanging Holder's name on the signature page of this Agreement.

     The Exchanging Holder is delivering herewith the original executed copy of
the Old Note representing the Indebtedness tendered hereby. In the event the
exchange offer is terminated for any reason or the Company rejects the tendered
Indebtedness because of a defect in the tender, the Company will promptly return
the Old Note to the Exchanging Holder at the address set forth below the
Exchanging Holder's name on the signature page of this Agreement.

     Section 2.     Conditions and Effective Date. The Exchange is conditioned
upon:

     (a)  100% of the principal plus accrued and unpaid interest outstanding
          under the Subordinated Debt being tendered by holders of Subordinated
          Debt and the execution of an exchange agreement substantially similar
          to this Agreement by each holder of Subordinated Debt;

     (b)  the Company having entered into the Restructured Credit Agreement;

     (c)  the Senior Subordinated Notes issued pursuant to the Senior
          Subordinated Note Purchase Agreement dated January 31, 2000 having
          been exchanged for Series A Stock;

     (d)  the Company having entered into the Forbearance Agreement with Dr.
          Roisman;

     (e)  the Company having entered into the Settlement Agreements with Jack H.
          Castle, Jr.;

     (f)  the funding of the $1,700,000 loan to the Company from the New Money
          Lenders having occurred; and

     (g)  the other customary conditions described under "The Exchange
          Offer--Conditions to Consummation of the Exchange Offer" in the
          Memorandum.

All of the conditions to Exchange, other than those described under subsections
(b) and (c) of this Section 2, may be waived by the Company, in its sole
discretion, at any time. Assuming all of the preceding conditions to the
Exchange have been satisfied or, if

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waivable, waived by the Company, the "Effective Date" of the Exchange will occur
on the date the Company accepts the tendered Subordinated Debt (which in no
event will occur later than the date the Company enters into the Restructured
Credit Agreement).

     Section 3.     Release.

     (a)  The Exchanging Holder, on behalf of itself, its affiliates, its
successors and assigns, irrevocably and unconditionally releases, relinquishes,
waives, and forever discharges the Company, Heller Financial, Inc., Midwest
Mezzanine Fund II, L.P. and each of the lenders under the Amended and Restated
Credit Agreement dated as of December 18, 1998, as amended, among the Company
and Bank of America, N.A., and the other lenders thereto, and each of their
respective parents, divisions, subsidiaries, affiliates, and related companies,
and their present and former agents, employees, officers, directors, attorneys,
advisors, fairness opinion givers, stockholders, plan fiduciaries, successors
and assigns (the "Released Parties") forever, from and against any and all
claims, debts, obligations, demands, actions, suits, causes of action, costs,
fees, and all liability whatsoever, whether known or unknown, fixed or
contingent, in contract or in tort, or based on any statute or other law, state
or federal (collectively "Claims") which the Exchanging Holder has, had, or may
have in the future against the Released Parties, relating to or arising out of
or by virtue of the Old Note, the previous failure to pay interest and principal
thereon, and the transactions giving rise to the issuance thereof.

     (b)  The Exchanging Holder hereby declares and agrees that, on the
Effective Date following the Exchange, the Old Note will be deemed paid in full
and in all respects terminated and of no further force or effect.

     (c)  The Exchanging Holder hereby agrees not to bring any claim of any kind
against any Released Party concerning any matter released by this Section 3. The
Exchanging Holder agrees that this Agreement constitutes a bar to any such
future claim.

     (d)  In confirmation of the foregoing, the Exchanging Holder shall, upon
the reasonable request of a Released Party, but at no out-of-pocket cost to the
Exchanging Holder, execute and deliver such specific or further releases,
terminations or other similar instruments in order to more effectively evidence
the releases, terminations and other actions made or intended to be made by this
Section 3.

     Section 4.     Transfer of Notes. Prior to the termination of the exchange
offer by the Company as a result of one or more of the conditions specified in
Section 2 not being met or waived by the Company, the Exchanging Holder
covenants not to transfer, pledge, hypothecate, assign, or grant an option to
otherwise acquire any interest in the Old Note unless the transferee of such Old
Note agrees, in writing, to be bound by the terms of this Agreement.

     Section 5.     Registration Rights Agreement. The Exchanging Holder
irrevocably constitutes and appoints James M. Usdan as its attorney-in-fact and
agent,

                                                                               3

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with the power of substitution, for the Exchanging Holder in any and all
capacities, to execute the Registration Rights Agreement between the Company and
certain parties listed therein to be entered into in connection with this
Agreement by and on behalf of the Exchanging Holder, granting to said
attorney-in-fact full power and authority to do and perform each and every act
and thing requisite and necessary to be done in connection therewith, as fully
to all intents and purposes as the Exchanging Holder might or could do in
person, hereby ratifying and confirming all that said attorney-in-fact, or its
substitute, may lawfully do or cause to be done by virtue of this power of
attorney.

     Section 6.     Agreement Regarding Conversion. The Exchanging Holder hereby
agrees not to convert the shares of Series A Stock issuable to it hereunder into
Common Stock until the Company's certificate of incorporation has been amended,
until a reverse stock split has been completed, or until another transaction has
been completed which, in each case, results in the Company having sufficient
authorized shares of Common Stock to permit issuance of authorized shares of
Common Stock upon conversion of all of the shares of Series A Stock issued in
connection with the Restructuring.

     Section 7.     Headings. The headings of the Sections of this Agreement
have been inserted for convenience of reference only, and are not to be
considered a part hereof and shall in no way modify or restrict any of the terms
and provisions hereof.

     Section 8.     Governing Laws. The laws of the State of Texas shall govern
this Agreement.

     Section 9.     Counterparts. This Agreement may be executed in any number
of counterparts, each of which so executed shall be deemed to be an original,
but all of such counterparts shall together constitute but one and the same
instrument.

     Section 10.    Investment Representations. The Exchanging Holder represents
and warrants to the Company that:

     (a)  It is acquiring the Series A Stock and the Common Stock issuable upon
conversion thereof (collectively, the "Offered Securities") for its own account
and that it is an accredited investor.

     (b)  It acknowledges that the Offered Securities have not been registered
under the Securities Act of 1933 and therefore are not freely tradable.

     (c)  It understands and agrees:

          (A)  that the Company is not offering the Offered Securities in a
     public offering within the meaning of the Securities Act 1933; and

          (B)  that if it decides to resell, pledge or otherwise transfer the
     Offered Securities, the Offered Securities may be subject to transfer
     restrictions which limit who may purchase the securities and impose
     notification requirements.

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     (d)  It understands that a legend will be placed on the certificates for
the Offered Securities describing the transfer restrictions applicable to the
Offered Securities.

     (e)  It has (A) by reason of its business or financial experience, the
capacity to protect its own interests in connection with the transactions
contemplated by the Memorandum and this Agreement, (B) in consultation with its
accountants, attorneys and financial advisors, such knowledge and experience in
financial and business matters as to be capable of evaluating the merits and
risks of its prospective investment in the Offered Securities; and (C) adequate
means of providing for its current financial needs and contingencies, is able to
bear the substantial economic risks of an investment in the Offered Securities,
has no need for liquidity in such investment, and is able to withstand a
complete loss of such investment.

     (f)  It has received a copy of the Memorandum and acknowledges that it has
had access to such financial and other information, and has been afforded the
opportunity to ask the Company questions and receive answers thereto, as it
deemed necessary in connection with its decision to acquire the Offered
Securities.

     (g)  It has read our Annual Report on Form 10-K for the year ended December
31, 2001, and all other materials described in "Where You Can Find More
Information" in the Memorandum.

     (h)  It understands that the Company and others will rely upon the truth
and accuracy of the foregoing acknowledgments, representations and agreements
and agrees that if any of the acknowledgments, representations and agreements
deemed to have been made by its acquisition of the Offered Securities are no
longer accurate, it will promptly notify the Company.

     (i)  It is not acquiring the Offered Securities with a view to any
distribution of the Offered Securities in a transaction that would violate the
Securities Act of 1933 or the securities laws of any state of the United States
or any other applicable jurisdiction.

     Section 11.    Exchanging Holder Representations. The Exchanging Holder
represents that the Exchanging Holder has full power and authority to tender,
exchange, assign, and transfer the Old Note and otherwise carry out the
transactions contemplated thereby, and that upon the Effective Date, the Company
will acquire good title to the Old Note, free and clear of all liens,
restrictions, charges and encumbrances and not subject to any adverse claim,
right, or option. The Exchanging Holder acknowledges that the Exchanging Holder
understands that, under certain circumstances and subject to the conditions set
forth in Section 2, the Company will not accept for Exchange any of the
Subordinated Debt.

     Section 12.    Irrevocable. This Agreement shall be irrevocable and survive
the death, incapacity, liquidation, bankruptcy, winding up, dissolution or
similar event of the Exchanging Holder, and shall be binding upon the Exchanging
Holder's heirs, personal

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representatives, executors, administrators, successors, assigns, trustees in
bankruptcy and other legal representatives.

     Section 13.    Additional Agreements. The Exchanging Holder agrees to
execute such other agreements or amendments reasonably requested by the Company
in order to carry out the purpose and effect of this Agreement.

                            [Signature Page Follows]

                                                                               6

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     Tendered this ___ day of July, 2002.

EXCHANGING HOLDER

-----------------------------------       Old Note
Name:                                     Principal Amount:
     ------------------------------                         --------------------
                                          Indebtedness:
                                                       -------------------------

Address:
        ---------------------------
-----------------------------------
-----------------------------------
The Tender of the Exchanging Holder's
Old Note is Accepted and Agreed To as
of the ___ day of July, 2002

Castle Dental Centers, Inc.

By:
   ---------------------------------
Name:
     -------------------------------
Title:
      ------------------------------

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                                                                   Exhibit 10.12

                              FORBEARANCE AGREEMENT

     This Forbearance Agreement (the "Agreement") is dated as of July 17, 2002,
by and between Leon D. Roisman, D.M.D, Leon D. Roisman, D.M.D, Inc., a
California corporation, and Roisman Acquisition Company, a California
corporation (collectively "Roisman"); and CDC of California, Inc, a Delaware
corporation (the "Corporation"), and Castle Dental Centers of California,
L.L.C., a Delaware limited liability company (the "LLC", and sometimes together
with the Corporation collectively referred to as "Castle").

                                    RECITALS

     WHEREAS Roisman holds a judgment against Castle in LACSC Case # BS058068
dated as of October 23, 2000, in the initial amount of $1,108,210.62 plus
interest at 10% (ten percent) per annum from the date of the judgment
(approximately $1,294,114.45 as of June 24, 2002); which amounts are currently
due and owing by Castle to Roisman (the amount of such judgment plus interest
thereon outstanding at any time is hereinafter defined as the "Claim" or the
"Roisman Claim"); and

     WHEREAS Roisman asserts that he holds a valid and perfected Judgment Lien
against certain assets of the Corporation and the LLC, which Judgment Lien
secures the Claim; and

     WHEREAS the Bank Group, as defined in Paragraph 11 below, asserts that it
holds valid and perfected liens against certain assets of the Corporation and
the LLC, which liens secure the claims of the Bank Group against the
Corporation, the LLC and certain affiliated entities (the "Bank Group Claims");
and

     WHEREAS litigation is ongoing by Roisman against Castle to collect the
Claim and/or enforce the Judgment Lien asserted by Roisman against certain
assets of the Corporation and the LLC; and

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     WHEREAS the parties hereto have negotiated the terms of an agreement under
which Roisman will forbear from further efforts to collect, realize and enforce
his Claim and the asserted Judgment Lien.

     NOW therefore, the parties hereto, having exchanged good, valuable and
adequate consideration, the sufficiency of which is acknowledged, agree as
follows:

                                   AGREEMENTS

     1.   ROISMAN FORBEARANCE. Roisman shall forbear from pursuing and
exercising any of his rights remedies and recourse against the Corporation and
the LLC or their respective assets or affiliates, whether such rights and
remedies exist at law or in equity, so long as there is no uncured breach by
Castle of its undertakings to Roisman under this Agreement or this Agreement
otherwise provides. The period of such forbearance by Roisman shall be defined
as the "Forbearance Period".

     2.   PAYMENTS. In exchange for the forbearance by Roisman as described in
Paragraph 1 above, Castle shall make payments to Roisman as set forth in this
Paragraph 2 and otherwise perform certain undertakings as set forth herein.

          a. As a condition to the effectiveness of this Agreement (as described
in Paragraph 11), Castle shall pay Roisman, by wire transfer to an account
specified in writing by Roisman, $100,000.00, to be applied first to outstanding
and unpaid interest on the Claim and then to principal on the Claim.

          b. Thirty (30) days after the payment described in Paragraph 2 a.
above (or if any such date is not a business day, on the first business day
thereafter), Castle shall commence making consecutive monthly payments to
Roisman, by wire transfer to an account specified in writing by Roisman, in the
amount of $30,000.00 per month for twenty-three months on the same date of

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each such month as the first payment to be made under this paragraph. Each such
payment shall be applied first to outstanding and unpaid interest and then to
principal on the Claim.

          c. Thereafter, Castle shall pay consecutive monthly payments to
Roisman, by wire transfer to an account specified in writing by Roisman, in the
amount of $25,000 per month (or such lesser amounts for the last payment as may
be necessary to pay the Claim in full) on the same date of each such month as
the payments to be made under paragraph 2(b) until such time as the Claim is
paid in full. Each such payment shall be applied first to outstanding and unpaid
interest and then to principal on the Claim.

          d. Castle may, at any time, in lieu of making periodic payments, pay
Roisman the full amount of the Claim, without penalty.

          e. Providing that no case under Title 11 of the United States Code has
been commenced by or against Castle, and that no common law assignment for the
benefit of creditors has been made by Castle, one hundred days following full
payment of the Claim, Roisman shall execute a full and complete release in favor
of Castle in respect of the Claim and such release of liens and other documents
as shall be required by Castle to effect a release of the Judgment Lien.

     3.   TOLLING OF STATUTES OF LIMITATION. Castle, Roisman and the Bank Group,
as defined in Paragraph 11 below, agree to the tolling of any unexpired statute
of limitations period with respect to the Claim (including, but not limited to,
the statute of limitations period in which Roisman could seek to avoid the
alleged lien of the Bank Group against any or all of the assets of Castle) and
any rights or claims held by such party with respect thereto for a period of 60
(Sixty) days after the Forbearance Period terminates, if such period terminates
other than through the full and final payment of the Claim by Castle.

     4.   OTHER AGREEMENTS. The parties hereto further agree as follows:

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     a.   During the pendency of this Agreement, there shall not be any new
          pledge or other encumbrance of the stock of the Corporation or of the
          equity interest in the LLC.

     b.   During the pendency of this Agreement, the Corporation shall be
          maintained in good standing and Castle shall operate in the ordinary
          course of business.

     c.   During the pendency of this Agreement, Castle shall deliver to Roisman
          the financial statements that are required to be provided to the Bank
          Group pursuant to the restructured Credit Agreement (as defined in
          Paragraph 11 below) at the same time as such information is provided
          to the Bank Group.

     d.   Any amount owing on the Claim shall be fully paid from the proceeds of
          the sale of either the Corporation or the LLC, or their respective
          assets, provided that Roisman is determined to have a valid
          non-voidable security interest in and to any of such assets sold and
          the proceeds thereof, and that the priority of Roisman's security
          interest entitles him to receive such proceeds; provided further that
          the transactions contemplated by the Fozoonmehr Agreement (as defined
          below) shall not be deemed to be such a sale. Castle shall give
          Roisman twenty (20) days notice of any scheduled closing of such a
          sale. Upon the closing of such sale, the "Forbearance Period" shall
          terminate. Nothing in this Paragraph is intended to nor shall be
          deemed to release Roisman's Judgement Lien on any of the assets of the
          Corporation or the LLC, or as a consent to the sale of any or all of
          such assets (other than a sale whereby the Roisman Judgement Lien is
          fully paid off to Roisman), even if such Judgement Lien is junior to
          the lien of a creditor whose claim is larger than the projected
          purchase price of any sale of any or all of such assets.

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     e.   Castle shall provide twenty (20) days notice of any transfer of a
          Castle asset valued at $100,000 or more, but such notice obligation
          shall exclude assets transferred in the ordinary course of business or
          as ordinary course payment on debts to Castle lenders existing at the
          time of execution of this Agreement.

     f.   There shall be a five (5) day cure period after written notice by
          Roisman to Castle of a default under this Agreement. If the default
          remains uncured or is not waived by Roisman, the Forbearance Period
          shall automatically terminate.

     g.   It will be an event of default under this Agreement if there is an
          event of default under any separate forbearance agreement that may be
          entered into by and among Castle, Castle affiliate(s), and the Bank
          Group on or after the date hereof ("Bank Group Forbearance
          Agreement"). Castle shall give Roisman immediate written notice of any
          event of default under the Bank Group Forbearance Agreement. Moreover,
          it shall be an event of default under this Agreement if the Bank Group
          commences any action to enforce its remedies against the assets of
          Castle on account of its alleged lien against Castle, the Corporation,
          or the LLC.

     h.   It shall be an event of default if from and after the date of this
          Agreement, any liens junior to that of Roisman attach to any of the
          assets of Castle, the Corporation, or the LLC; provided, however, that
          notwithstanding anything to the contrary contained herein, the
          existence of any liens on or security interests in any of the current
          or hereafter acquired assets of Castle, the Corporation or the LLC to
          secure any claims and indebtedness of Castle to the Bank Group, under
          the Credit Agreement, as defined in Paragraph 11 below, or to any
          successors or assigns of the Bank Group with respect to the Credit
          Agreement and its related documents, shall not constitute an event of
          default under this Agreement. Nothing in this

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          Paragraph or in this Agreement is intended to nor shall be deemed to
          change the status quo between Roisman and the Bank Group in respect of
          the relative priorities of their liens on any of the assets of the
          Corporation or the LLC.

     i.   Shahram Fozoonmehr, D.D.S., Inc. and Shahram Fozoonmehr, D.D.S.
          (collectively, "Fozoonmehr"), and the Corporation have entered into a
          Memorandum of Understanding dated May 30, 2002 (the "Fozoonmehr
          Agreement"). The Fozoonmehr Agreement requires Fozoonmehr to: (x) pay
          the Corporation $500,000 by October 1, 2002 or (y), if such payments
          are not paid in full by such date, enter into a stipulated judgement
          requiring Fozoonmehr to pay the unpaid amounts to the Corporation and
          surrender to the Corporation possession, right, title and interest to
          the professional and nonprofessional assets of the dental practice
          located at 16607 Hawthorne Blvd., Lawndale, California 90260 (the
          "Hawthorne Practice"). $50,000 of the amount owing under the
          Fozoonmehr Agreement has previously been paid to Roisman and shall be
          credited against amounts otherwise owed hereunder by Castle and shall
          be applied first to outstanding and unpaid interest and then to
          principal due on the Claim. Castle and each member of the Bank Group
          hereby agree not to challenge in any manner Roisman's right to retain
          such $50,000 payment. Castle, the Bank Group and Roisman hereby agree
          that any further proceeds of the Fozoonmehr Agreement, including the
          Hawthorne Practice (collectively, the "Fozoonmehr Proceeds"), shall be
          paid and delivered one-half to Roisman and one-half to the Bank Group,
          subject to the prior payment of legal fees of no more than $50,000 to
          Castle's attorneys, Miller & Holguin, who claim a security interest in
          the Fozoonmehr Proceeds. In the event that Miller & Holguin's fees
          secured by the

                                       -6-

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          Fozoonmehr Proceeds exceed $50,000, Castle shall pay and be solely
          responsible for payment of such excess and shall indemnify and hold
          harmless Roisman and the Bank Group from any claim regarding such
          excess. The value of the Hawthorne Practice shall be as set forth in
          the Fozoonmehr Agreement. Prepayments of the Claim under this
          Paragraph 4 shall not affect the payment schedule set forth in
          Paragraph 2 until the Claim has been paid in full. In no event shall
          the forbearance agreed to in Paragraph 1 prohibit Roisman from taking
          the actions necessary to pursue the Fozoonmehr Proceeds in accordance
          with this Paragraph 4(i).

     5.   TERMINATION OF AGREEMENT. This Agreement shall terminate at the time
of full payment of the Roisman Claim or at the earlier termination of the
Forbearance Period as set forth herein.

     6.   RESERVATION OF RIGHTS; TOLLING. Roisman and the Bank Group hereby
acknowledge and agree that (i) the Bank Group and Roisman and any of their
respective successors and assigns with respect to the Credit Agreement, reserve
all of their respective rights, remedies, claims, causes of action and defenses
in respect to the Roisman Claim or the Bank Group Claim or otherwise, (ii)
nothing herein shall in any way waive, limit or modify such respective rights,
remedies, claims, causes of action and defenses with respect to the Roisman
Claim or the Bank Group Claims or otherwise, and (iii) any applicable statutes
of limitations and periods of laches, waiver or estoppel relating to such
respective rights, remedies, claims, causes of action or defenses with respect
to the Roisman Claim, the Bank Group Claim or otherwise are hereby tolled from
the date hereof through and including the date of termination of the Forbearance
Period. Castle shall notify Roisman and the Bank Group in writing of any breach
of or default under this Agreement or any termination of the Forbearance Period.

                                       -7-

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     7.   GOVERNING LAW. This Agreement shall be governed by and construed in
accordance with the laws of the State of California without regard to the rules
of conflict of laws of the State of California or any other jurisdiction.

     8.   EXPENSES. All costs and expenses incurred in connection with this
Agreement shall be borne by and paid by the party incurring such costs and
expenses.

     9.   AMENDMENT. This Agreement may not be amended except by an instrument
in writing signed on behalf of the parties hereto.

     10.  COUNTERPARTS AND EFFECTIVENESS. This Agreement may be executed in two
or more counterparts, each of which shall be deemed to be an original but all of
which shall constitute the same agreement. This Agreement shall be effective
after each party signs this Agreement and the condition precedent set forth in
Paragraph 11 hereto has been timely satisfied.

     11.  CONDITION TO EFFECTIVENESS OF AGREEMENT. Contemporaneously with the
restructuring of the Credit Agreement, as defined below: (a) the Bank Group
shall execute and deliver to Roisman and Castle an instrument evidencing the
consent of the Bank Group to Castle entering into this Agreement and performing
its undertakings hereunder and the Bank Group agreeing to the Tolling Provisions
contained in Paragraphs 3 and 6 of this Agreement and (b) Castle shall make the
initial $100,000 payment to Roisman required by Paragraph 2(a) above. For the
purposes of this Agreement, the "Bank Group" shall mean: Bank of America, N. A.,
as Agent for the Bank Group, Banc of America Strategic Solutions, Inc., Fleet
National Bank, Amsouth Bank and Heller Financial, Inc. as lenders under that
certain Amended and Restated Credit Agreement dated December 18, 1998 as amended
on July 20, 1999, September 30, 1999, October 31, 1999 and January 31, 2000 (the
"Credit Agreement"). Notwithstanding anything to the contrary herein, this
Agreement shall be void and of no effect if the restructuring of the

                                       -8-

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Credit Agreement has not been fully executed and effective, the initial $100,000
payment has not been paid, and this Agreement has not otherwise become
effective, on or before July 31, 2002.

     12.  SUCCESSORS AND ASSIGNS. This Agreement is binding on the parties
hereto and their respective successors and assigns.

     13.  NOTICES. All notices, claims, demands and other communications
hereunder shall be in writing and shall be deemed given upon (a) confirmation of
receipt of a facsimile transmission, (b) confirmed delivery by a standard
overnight carrier or when delivered by hand, or (c) the expiration of five (5)
business days after the day when mailed by registered or certified mail (postage
prepaid, return receipt requested), addressed to the respective parties at the
following addresses (or such other address for a party as shall be specified by
like notice):

          (a)  If to Castle, to:         CDC of California, Inc.
                                         Castle Dental Center of California, LLC
                                         3701 Kirby Drive, Suite 550
                                         Houston, Texas 77098
                                         Attn: Chief Financial Officer
                                         Telecopy: (713) 490-8415
               with copies to:

                                         Haynes and Boone, LLP
                                         1000 Louisiana, Suite 4300
                                         Houston, Texas 77002-5012
                                         Telecopy: (713) 236-5405
                                         Attention: Lenard M. Parkins

          (b)  If to Roisman:

                                         Leon D. Roisman
                                         310 S. Lake Avenue
                                         Pasadena, CA 91101
                                         Telecopy: (626) 432-4270

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          with copies to:

                                         Kirkland & Ellis
                                         777 South Figueroa Street
                                         Los Angeles, CA 90017
                                         Telecopy: (213) 680-8500
                                         Attention: Bennett L. Spiegel

     14.  AUTHORITY. Each party hereby represents to each of the other parties
that: (a) such party has all necessary power and authority to execute, deliver
and perform its respective obligations under this Agreement; (b) the execution,
delivery and performance by such party of its obligations under this Agreement
have been duly authorized by all necessary corporate action on its part; (c) the
person executing this Agreement on such party's behalf is duly authorized to do
so; and (d) this Agreement constitutes the legal, valid and binding obligation
of such party enforceable in accordance with its terms.

                                      -10-

<PAGE>

     Signed and executed by the parties hereto as of the date first set forth
above.

Leon D. Roisman, D.M.D.              CDC of California, Inc.

 /s/ Leon D. Roisman, D.M.D.         By:  /s/ John M. Slack
-------------------------------         ----------------------------------------

                                     Its:   Vice President
                                           -------------------------------------

Leon D Roisman, D.M.D., Inc.         Castle Dental Centers of California, L.L.C.

By: /s/ Leon D. Roisman, D.M.D.      By:    /s/ John M. Slack
   ----------------------------            -------------------------------------

Its: Chief Executive Officer         Its:   Vice President
   ----------------------------            -------------------------------------

Roisman Acquisition Company

By: /s/ Leon D. Roisman, D.M.D.
   ----------------------------

Its: Chief Executive Officer
    ---------------------------

                                      -11-

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