Document:

NOTE

$1,200.00                                                Date: February 14, 2001

         FOR VALUE RECEIVED, ARCHER SYSTEMS LIMITED, INC., the undersigned
("Payor"), hereby promises to pay to the order of RICHARD J. MARGULIES, an
individual, ("Holder"), the principal amount of $1,200.00, payable twenty four
(24) months after the date first set forth above. The principal amount hereof
from time to time outstanding shall bear interest at the rate of six percent
(6%) per annum, payable on the date set forth above. All payments hereunder
shall be in lawful money of the United States of America at the address of the
Holder hereof or at such address as shall be specified by the Holder to ARCHER
SYSTEMS LIMITED, INC.
                  If any default shall be made in the payment of interest or
principal, then the Holder, by written notice to the Payor, may exercise all of
its legal rights to collect the balance due unless within five (5) business days
after such notice the default shall be cured by Payor. Such notice shall be
deemed given three (3) days after having been deposited in the United States
Mail properly addressed and sent by registered mail to the particular addressee,
return receipt requested.

                  Prepayments may be made in this note voluntarily at any time
and from time to time, without penalty.

                                                 Archer Systems Limited, Inc.

                                                 BY:______________________
                                                     Walter J. Krzanowski
                                                     Secretary/Treasurer

<PAGE>NOTE

$1,000.00                                                   Date: March 8, 2001

         FOR VALUE RECEIVED, ARCHER SYSTEMS LIMITED, INC., the undersigned
("Payor"), hereby promises to pay to the order of ZAMORA FUNDING, INC. a
Delaware corporation, ("Holder"), the principal amount of $1,000.00, payable
twenty four (24) months after the date first set forth above. The principal
amount hereof from time to time outstanding shall bear interest at the rate of
six percent (6%) per annum, payable on the date set forth above. All payments
hereunder shall be in lawful money of the United States of America at the
address of the Holder hereof or at such address as shall be specified by the
Holder to ARCHER SYSTEMS LIMITED, INC.
                  If any default shall be made in the payment of interest or
principal, then the Holder, by written notice to the Payor, may exercise all of
its legal rights to collect the balance due unless within five (5) business days
after such notice the default shall be cured by Payor. Such notice shall be
deemed given three (3) days after having been deposited in the United States
Mail properly addressed and sent by registered mail to the particular addressee,
return receipt requested.

                  Prepayments may be made in this note voluntarily at any time
and from time to time, without penalty.

                                               Archer Systems Limited, Inc.

                                               BY:______________________
                                                   Walter J. Krzanowski
                                                   Secretary/Treasurer

<PAGE>Note Consolidation Agreement

Agreement entered into this              day of                   by and between
Peter Jegou  ("Jegou") and Archer Systems Limited, Inc. and subsidiaries
("Archer").

                                   WITNESSETH

WHEREAS, Archer is the Obligor of certain notes and loans on which Jegou is the
Obligee or assignee, and which are recorded on the books of Archer, all
hereinafter referred to as the ("Debt"), and

WHEREAS, the total amount of the principal and accrued interest of the Debt is
$47,747.42, and

WHEREAS, the components of the Debt are comprised of different maturity dates
and terms, copies of the notes incorporated in the Debt are attached as Exhibits
hereto, and

WHEREAS, the parties hereto desire to consolidate all of the Debt on the
following terms and conditions.

         NOW THEREFORE, the parties hereto intending to be legally bound hereby
covenant and agree as follows:

         1. RECITALS - The recitals are hereby incorporated herein and made a
part hereof.

         2. MATURITY DATE- The maturity date for the Debt shall be July 30, 2003

         3. INTEREST RATE- Six Percent (6%) per annum

         4 PAYMENT SCHEDULE- Archer shall pay to Jegou;

               (a.) $1,000 per month commencing the first day of the second
         month after the month of the Closing of the acquisition by Archer of
         Ocumed Group, Inc.

               (b.) $8,000 to be paid upon the date that Archer or its
         subsidiary, Ocumed Group, Inc., receives funds from a lending
         institution or investor in an amount in excess of $4,000,000.

               (c.) the then remaining balance of interest and principal on the
         Maturity Date.

<PAGE>

         5. RIGHTS- Conversion, registration, rights are to be pari passu with
any rights to be granted subsequent to the Closing Date to the former
shareholders of Ocumed Group, Inc. with respect to their Income Debenture

         IN WITNESS WHEREOF, the parties hereto have signed and sealed this
Agreement as of the day and year first above written

Archer Systems Limited, Inc.

BY:__________________
   Alfred Caggia, President

  ---------------------
  Peter Jegou

<PAGE>Note Consolidation Agreement

Agreement entered into this              day of                   by and between
Richard Margulies  ("Margulies") and Archer Systems Limited, Inc. and
subsidiaries ("Archer").

                                   WITNESSETH

WHEREAS, Archer is the Obligor of certain notes and loans on which Margulies is
the Obligee or assignee, and which are recorded on the books of Archer, all
hereinafter referred to as the ("Debt"), and

WHEREAS, the total amount of the principal and accrued interest of the Debt is
$183,419.19, and

WHEREAS, the components of the Debt are comprised of different maturity dates
and terms, copies of the notes incorporated in the Debt are attached as Exhibits
hereto, and

WHEREAS, the parties hereto desire to consolidate all of the Debt on the
following terms and conditions.

         NOW THEREFORE, the parties hereto intending to be legally bound hereby
covenant and agree as follows:

         1. RECITALS - The recitals are hereby incorporated herein and made a
part hereof.

         2. MATURITY DATE- The maturity date for the Debt shall be July 30, 2003

         3. INTEREST RATE - Six Percent (6%) per annum compounded

         4 PAYMENT SCHEDULE - Archer shall pay to Margulies;

               (a.) $2,000 per month commencing the first day of the second
         month after the month of the Closing of the acquisition by Archer of
         Ocumed Group, Inc. ("Closing Date").

               (b.) $20,000, to be applied against principal, to be paid upon
         the date that Archer or its subsidiary, Ocumed Group, Inc., receives
         funds from a lending institution or investor in an amount in excess of
         $4,000,000.

               (c.) Installment payment in the amount of on third of then
         outstanding principal shall be due 18 months after
the Closing Date.

               (d.) the then remaining balance of interest and principal on the
         Maturity

<PAGE>

         5. RIGHTS- Conversion, registration, rights are to be pari passu with
any rights to be granted subsequent to the Closing Date to the former
shareholders of Ocumed Group, Inc. with respect to their Income Debenture

         IN WITNESS WHEREOF, the parties hereto have signed and sealed this
Agreement as of the day and year first above written

Archer Systems Limited, Inc.

BY:__________________
   Alfred Caggia, President
   Date:

---------------------
Richard Margulies
Date:

<PAGE>Note Consolidation Agreement

Agreement entered into this              day of                   by and between
Zamora Funding, Inc.  ("Zamora") and Archer Systems Limited, Inc. and
subsidiaries ("Archer").

                                   WITNESSETH

WHEREAS, Archer is the Obligor of certain notes and loans on which Zamora is the
Obligee or assignee, and which are recorded on the books of Archer, all
hereinafter referred to as the ("Debt"), and

WHEREAS, the total amount of the principal and accrued interest of the Debt is
$65,497.54, and

WHEREAS, the components of the Debt are comprised of different maturity dates
and terms, copies of the notes incorporated in the Debt are attached as Exhibits
hereto, and

WHEREAS, the parties hereto desire to consolidate all of the Debt on the
following terms and conditions.

         NOW THEREFORE, the parties hereto intending to be legally bound hereby
covenant and agree as follows:

         1. RECITALS - The recitals are hereby incorporated herein and made a
part hereof.

         2. MATURITY DATE- The maturity date for the Debt shall be July 30, 2003

         3. INTEREST RATE- Six Percent (6%) per annum compounded

         4 PAYMENT SCHEDULE- Archer shall pay to Zamora;

               (a.) $1,000 per month commencing the first day of the second
         month after the month of the Closing of the acquisition by Archer of
         Ocumed Group, Inc.

               (b.) $6,000 to be paid upon the date that Archer or its
         subsidiary, Ocumed Group, Inc., receives funds from a lending
         institution or investor in an amount in excess of $4,000,000.

               (c.) the then remaining balance of interest and principal on the
         Maturity Date.

<PAGE>

         5. RIGHTS- Conversion, registration, rights are to be pari passu with
any rights to be granted subsequent to the Closing Date to the former
shareholders of Ocumed Group, Inc. with respect to their Income Debenture

         IN WITNESS WHEREOF, the parties hereto have signed and sealed this
Agreement as of the day and year first above written

Archer Systems Limited, Inc.

BY:__________________
   Alfred Caggia, President

Zamora Funding, Inc.

By:_____________________
   Peter Jegou, President

<PAGE>

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