Document:

<PAGE>
                                  PROMISSORY NOTE

$250,000.00                                                 January, 20, 1998
                                                            Cincinnati, Ohio

     FOR VALUE RECEIVED, LIGHT TOUCH VEIN & LASER, INC., an Ohio corporation,
promises to pay to INTRAM INVESTMENT CORPORATION, the sum of Two Hundred Fifty
Thousand Dollars ($250,000.00), for a period of eighteen (18) months, at
thirteen percent (13%) interest per annum, with no pre-payment penalty.

     Payments will be made in weekly installments of Five Thousand Eighteen and
53/100 Dollars ($5,018.53), with the first payment due on the 6th day of
February, 1998.

     FURTHER, LIGHT TOUCH VEIN & LASER, INC. agrees:

     1.   No debts outside the normal course of business shall be incurred; and

     2.   No expenditures over One Thousand Dollars ($1000.00) shall be made
          without the prior consent of Intram Investment Corporation; and

     3.   Any and all capital infusion must be used to pay this debt first; and

     This Note is secured by a Security Agreement dated January 9, 1998, and a
personal guaranty of Colin C. Herd, dated January 20, 1998, in the amount of One
Hundred Twenty-five Thousand Dollars ($125,000.00), or Fifty Percent (50%) of
the outstanding balance due on this Note.
                                        LIGHT TOUCH-VEIN & LASER, INC.

                                        By: /s/ Colin C. Herd
                                           --------------------------------
                                           Colin C. Herd

                                        THIS NOTE SHALL BE FULLY PAID MARCH 1,
                                        1999 BY AN ACCELERATED PAYMENT SCHEDULE
                                        OF $5018.00/week.

<PAGE>

                                 PERSONAL GUARANTY

     Now comes, Colin C. Herd, and hereby personally guarantees payment up to
One Hundred Twenty-five Thousand Dollars ($125,000.00), on the Promissory Note
from Light Touch Vein & Laser, Inc. (corporation) to Intram, Investment
Corporation, dated January 9, 1998, in the amount of $250,000.00, or 50% of the
outstanding balance on this Note.

     Colin C. Herd further provides his 400 shares of stock in, Corporation as
collateral on said Note.

WITNESS:

/s/ [ILLEGIBLE]                               /s/ Colin C. Herd
-----------------------------                --------------------------------
                                             Colin C. Herd
/s/ Kim L. Hartman                           Date: 1/20/98
-----------------------------                     ---------------------------

<PAGE>

                         MODIFICATION TO PERSONAL GUARANTY

     Now comes, Colin C. Herd, and hereby modifies the January 20, 1998 Personal
Guaranty on the Promissory Note from Light Touch Vein & Laser, Inc. to Intram
Investment Corporation, dated January 9, 1998.

     Colin C. Herd further provides his additional 860 shares of stock in Light
Touch Vein & Laser, Inc., for a total of 1260 shares of stock of Light Touch
Vein & Laser, Inc. as collateral on said Note.

WITNESS:

/s/ Kim L. Hartman                             /s/ Colin C. Herd
--------------------------                   -------------------------------
                                                       Colin C. Herd

/s/ Julie Crossley                                     11/12/98
--------------------------                   -------------------------------

<PAGE>

                                 PERSONAL GUARANTY

     Now comes, Colin C. Herd, and hereby personally guarantees payment up to
One Hundred Twenty-five Thousand Dollars ($125,000.00), on the Promissory
Note from Light Touch Vein & Laser, Inc. (Corporation) to Intram Investment
Corporation, dated January 9, 1998, in the amount of $250,000.00, or
50% of the outstanding balance due on this Note.

     Colin C. Herd further provides his 400 shares of stock in Corporation as
collateral on said Note.

WITNESS:

/s/ [ILLEGIBLE]                              /s/ Colin C. Herd
------------------------------               ---------------------------
                                             Colin C. Herd

/s/ Kim L. Hartman                           Date:  1/20/98
------------------------------                    ----------------------<PAGE>

                            MODIFICATION AGREEMENT

     THIS AGREEMENT is entered into between INTRAM INVESTMENT CORPORATION, an
Ohio corporation (hereinafter referred to as INTRAM) whose address is 11157
Snider Road, Cincinnati, Ohio 45249, and LIGHTTOUCH VEIN & LASER, INC., an Ohio
corporation (hereinafter referred to as LIGHTTOUCH) whose address is 10663
Montgomery Road, Cincinnati, Ohio 45242.

     WHEREAS, INTRAM is the owner of certain equipment as set forth in Exhibit
"A" attached hereto; and

     WHEREAS, LIGHTTOUCH leased said equipment from INTRAM as set forth in a
Lease Agreement dated the 31st day of July, 1998 (hereinafter referred to as
LEASE),

     NOW, THEREFORE, the parties agree to modify the terms and conditions set
forth in LEASE, effective the 15th day of July, 1999, as follows:

     3.   RENT
     ---------
          Lessee shall pay to Lessor the rental of $1.00 per month for
          the rental of the equipment as set forth in Exhibit "A" attached
          hereto.

     All other terms and conditions of the LEASE shall remain in full force and
effect.

     IN WITNESS WHEREOF, the parties have hereunto set their hands this 7th day
of July, 1999.

Witness:                           INTRAM INVESTMENT CORPORATION

/s/ [ILLEGIBLE]                     By: /s/ Gregory F. Martini
-------------------------             ------------------------------------
/s/ [ILLEGIBLE]                       Gregory F. Martini, President
-------------------------

                                   LIGHTTOUCH VEIN & LASER, INC.

/s/ [ILLEGIBLE]                    By: /s/ Colin C. Herd
-------------------------             ------------------------------------
/s/ [ILLEGIBLE]                       Colin C. Herd, Secretary
-------------------------

<PAGE>

                                     LEASE

     This Lease is between INTRAM INVESTMENT CORP., an Ohio Corporation
(hereinafter referred to as "INTRAM") whose address is 11157 Snider Road,
Cincinnati, Ohio, 45249 and LIGHT TOUCH VEIN & LASER, INC., an Ohio Corporation
(hereinafter referred to as "LIGHT TOUCH") whose address is 10663 Montgomery
Road, Cincinnati, Ohio, 45242.

     WHEREAS, INTRAM has purchased certain liposuction equipment and computer
software as more particularly described in EXHIBIT "A", and

     WHEREAS, LIGHT TOUCH desires to lease said equipment from INTRAM and
INTRAM is agreeable to leasing said equipment to LIGHT TOUCH.

     NOW THEREFORE, the parties agree as follows:

1. EQUIPMENT
   ---------

     INTRAMM hereby leases to LIGHT TOUCH upon the terms and conditions set
forth herein, the equipment more particularly described as EXHIBIT "A",
attached hereto (hereinafter referred to as "EQUIPMENT").

2. TERM
   ----

     The term of this Lease shall be twenty four months (24) months, commencing
August 1, 1998, and ending July 31, 2000.

<PAGE>

3. RENT
   ----

     LIGHT TOUCH shall pay a base rent to INTRAM of Seventeen Thousand Five
Hundred Fifty-two and 88/100 Dollars ($17,552.88), payable in equal monthly
installments of Eight Hundred Eighty-Four and 57/100 Dollars ($884.57), due and
payable on the first day of each month, commencing August 1, 1998. A 10% penalty
shall be assessed should rent not be paid on or before the first day of each
month.

     Time is of the essence as to rent payments.

4. SECURITY DEPOSIT
   ----------------

     A security deposit of Eight Hundred Eighty-four and 57/100 Dollars
($884.57) shall be delivered to INTRAM at the signing of this Lease. INTRAM
acknowledges receipt of said Security Deposit by its signature on this LEASE.

5. USE AND CARE OF EQUIPMENT
   -------------------------

     LIGHT TOUCH shall not use or knowingly permit any part of the EQUIPMENT to
be used for any unlawful purpose. LIGHT TOUCH shall keep the EQUIPMENT and every
part thereof in a clean and wholesome condition and generally that it will, in
all respects, and at all times, fully comply with all lawful health, fire and
police regulations.

<PAGE>

6. INSURANCE
   ---------

     LIGHT TOUCH shall, at all times, insure the EQUIPMENT against fire, theft
and damage during the term of this Lease. LIGHT TOUCH shall provide proof of
insurance, which shall be in an amount of at least double the equipment value,
and provide proof to INTRAM that insurance is in full force and effect.

7. REPAIRS AND MAINTENANCE
   -----------------------

     LIGHT TOUCH covenants and agrees, at its own expense, to keep the
EQUIPMENT at all times in good repair, order and condition. LIGHT TOUCH will
commit no waste to the EQUIPMENT. LIGHT TOUCH shall allow INTRAM to inspect the
EQUIPMENT. INTRAM shall provide LIGHT TOUCH with a 24-hour notice of its desire
to inspect EQUIPMENT.

8. ASSIGNMENT
   ----------

     This Lease shall be nonassignable by LIGHT TOUCH. LIGHT TOUCH shall not
sublet the EQUIPMENT.

9. REMEDIES
   --------

     INTRAM shall have all remedies available to it upon default of any of the
terms and conditions of this LEASE as provided by Ohio Law.

<PAGE>

     Included in these remedies is the right of INTRAM to, upon default of
any payments envisioned under this LEASE, be permitted to remove all
EQUIPMENT without delay and LIGHT TOUCH will not interfere with such removal.
Should INTRAM be forced to employ legal representation or costs to effect its
remedies, LIGHT TOUCH shall be responsible to pay all costs, included but not
limited to attorneys fees.

     IN WITNESS WHEREOF, the parties have hereunto set their hands.

Witnesses:                              INTRAM INVESTMENT CORP.

/s/ [ILLEGIBLE]                         By:  /s/ Gregory F. Martini
--------------------------                 --------------------------------
                                             Gregory F. Martini, President
/s/ Julie Crossley                           Date:  7-31-98
--------------------------                          -----------------------

                                        LIGHT TOUCH VEIN AND LASER, INC.

/s/ [ILLEGIBLE]                         By: /s/ Colin C. Herd
--------------------------                 --------------------------------
                                             Colin C. Herd, Director
/s/ Julie Crossley                           Date:  7-31-98
--------------------------                        -------------------------

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