Document:

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                                  PROMISSORY NOTE

$15,000.00                                             August 24,1998
                                                       Cincinnati, Ohio

     FOR VALUE RECEIVED, COLIN C. HERD and VEIN & LASER CENTER, INC., an Ohio
corporation, jointly and severally, promise to pay to INTRAM INVESTMENT
CORPORATION, the sum of Fifteen Thousand Dollars ($15,000.00), at ten percent
(10%) interest per annum, with no prepayment penalty, pursuant to the
following schedule:

<TABLE>
<CAPTION>

     Payment Due on or Before:     Amount Due:
     ------------------------      ----------
     <S>                           <C>
     September 4, 1998             $3,000.00
     September 11, 1998            $3,000.00
     September 18, 1998            $3,000.00
     September 25, 1998            $3,000.00
     October 2, 1998               $3,000.00
     October 7, 1998               $1,500.00

</TABLE>
     The Maker hereby waives presentment, notice of non-payment and protest.

                                    /s/ Colin C. Herd
                                   -------------------------------
                                   COLIN C. HERD, Individually

                                   VEIN & LASER CENTER, INC.

                                   By: /s/ Colin C. Herd
                                      ----------------------------
                                      Colin C. Herd, President<PAGE>
                                  PROMISSORY NOTE

$17,013.93                                                  September 1, 1998

FOR VALUE RECEIVED, LIGHT TOUCH VEIN & LASER, INC., an Ohio corporation,
promises to pay to INTRAM INVESTMENT CORPORATION, the sum of Seventeen
Thousand Thirteen and 93/100 Dollars ($17,013.93).

Said Note is to be repaid in seven (7) weekly installments of Five Thousand
Eighteen and 53/100 Dollars ($5,018.53) each, beginning August 7, 1999, with
the final payment due and owing on September 20, 1999.

The Maker hereby waives presentment, notice of non-payment and protest.

                                   LIGHT TOUCH VEIN & LASER, INC.

                                   By: /s/ Colin C. Herd
                                      ------------------------------
                                        Colin C. Herd, Director<PAGE>
                                  PROMISSORY NOTE

$30,000.00                                                    September 4, 1998

FOR VALUE RECEIVED, LIGHT TOUCH VEIN & LASER, INC., an Ohio corporation,
promises to pay to INTRAM INVESTMENT CORPORATION, the sum of Thirty Thousand and
00/100 Dollars.

Said Note is to be repaid in seven (7) weekly installments Five Thousand
Eighteen and 53/100 Dollars ($5,018.53) each, beginning September 24, 1999, and
a final payment of Eight Thousand One Hundred Three and 17/100 Dollars
($8,103.17) due and owing on November 12, 1999.

The Maker hereby waives presentment, notice of non-payment and protest.

                                   LIGHT TOUCH VEIN & LASER, INC.

                                   By: /s/ Colin C. Herd
                                      ------------------------------
                                        Colin C. Herd, Director<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 laser 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

     INTRAM 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 thirty months (30) months commencing
October 30, 1998, and ending April 13, 2001.

3.  RENT

     LIGHT TOUCH shall pay a base rent to INTRAM of One Hundred Eleven
Thousand Six

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Hundred Thirty-three 90/100 Dollars ($111,633.90), payable in equal weekly
installments of Eight Hundred Sixty-five and 38/100 Dollars ($865.38), plus
sales tax, at a rate of six percent (6%), in the sum of Fifty-one and 92/100
Dollars ($51.92), for a total weekly payment of Nine Hundred Seventeen and
30/100 Dollars ($917.30), due and payable on each Friday of the week, with
the first payment due and owing on October 30, 1998. A 10% penalty of
Ninety-one and 73/100 Dollars ($91.73) shall be assessed should rent not be
paid on or before the due date each week.

     Time is of the essence as to rent payments.

4.  SECURITY DEPOSIT

     A security deposit of Nine Hundred Seventeen and 30/100 Dollars
($917.30) 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.

6. TAXES AND INSURANCE

     LIGHT TOUCH shall, at all times, insure the EQUIPMENT against fire, theft
and damage during the term of this Lease.

     LIGHT TOUCH shall, at all times, carry liability insurance on EQUIPMENT,
with a

                                       2
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policy limit of at least $1,000,000.00.

     INTRAM shall be named as an additional insured on the insurance coverage.

     LIGHT TOUCH shall provide proof of insurance and provide proof to INTRAM
that insurance is in full force and effect.

     LIGHT TOUCH shall assume and be responsible for any and all taxes,
including, but not limited to the personal property tax, on EQUIPMENT.

7. REPAIRS, MAINTENANCE AND MODIFICATIONS

     LIGHT TOUCH covenants and agrees at its own expense, to keep the EQUIPMENT
in good repair, order and condition at all times. LIGHT TOUCH will commit no
waste to the EQUIPMENT.

     LIGHT TOUCH shall make no modifications to EQUIPMENT without the
written consent of INTRAM.

     LIGHT TOUCH shall allow INTRAM to inspect the EQUIPMENT. LIGHT TOUCH
shall provide INTRAM with a 24-hour notice of its desire to inspect EQUIPMENT.

8. ASSIGNMENT

     This Lease shall be non-assignable by LIGHT TOUCH. LIGHT TOUCH shall
not sublet the EQUIPMENT.

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<PAGE>

9. DEFAULT

     A.  Events of Default. The occurrence of any one or more of the
following events shall constitute a material default and breach of this Lease
by LIGHT TOUCH, which, if not cured within any applicable time permitted for
cure hereinbelow, shall give rise to INTRAM remedies set forth in Paragraph
10.

          (i)    Failure by LIGHT TOUCH to make any payment of rent or any other
                 payment required to be made by LIGHT TOUCH hereunder, as and
                 when due, where such failure shall continue for a period of
                 fifteen (15) days after written notice given by INTRAM; or

          (ii)   Failure by LIGHT TOUCH to observe or perform any of the
                 covenants, conditions, or provisions of this Lease to be
                 observed or performed by LIGHT TOUCH, other than described
                 in paragraph (a) above, where such failure shall continue
                 for a period of fifteen (15) days after written notice
                 thereof from INTRAM to LIGHT TOUCH; provided, however that
                 if the nature of LIGHT TOUCH'S default is such that more
                 than fifteen (15) days are reasonably required for its cure,
                 then LIGHT TOUCH shall not be deemed to be default if LIGHT
                 TOUCH commenced such cure within such fifteen (15) day
                 period and thereafter diligently prosecutes such cure to
                 completion; or

          (iii)  Filing by or against LIGHT TOUCH of a petition to have LIGHT
                 TOUCH adjudged bankrupt or a petition for reorganization or
                 arrangement under any law relating to bankruptcy (unless, in
                 the case of a petition filed against

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                 LIGHT TOUCH, the same is dismissed within (60) days); or

          (iv)   Appointment of a trustee or receiver to take possession of
                 LIGHT TOUCH'S interest in this LEASE, and the appointment of
                 such trustee or receiver is not vacated and possession restored
                 to LIGHT TOUCH within thirty (30) days after such appointment;
                 or

          (v)    LIGHT TOUCH'S interest in this LEASE shall be sold under
                 execution; or

          (vi)   LIGHT TOUCH takes advantage, whether voluntarily or
                 involuntarily, of a debtor relief proceeding under any present
                 or future law, whereby the rent or any part hereof, is or
                 proposed to be, reduced or payment deferred; or

          (vii)  Making by LIGHT TOUCH of any general arrangement or assignment
                 for the benefit of creditors; or

          (viii) Attachment, execution, or other judicial seizure of LIGHT
                 TOUCH'S interest in this LEASE, if not satisfied or dissolved
                 within ten (10) days after written notice from INTRAM to LIGHT
                 TOUCH to obtain satisfaction thereof; or

          (ix)   LIGHT TOUCH'S insolvency or admission of an inability to pay
                 its debts as they mature.

     The notice and cure periods herein are in lieu of, and not in addition
to, any notice of cure periods as provided by law.

10. 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.

                                       5
<PAGE>

     Included in these remedies is the right of INTRAM to, upon default of
any payments envisioned under this LEASE, be permitted to removed 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 attorney's fees.

     Additionally, LIGHT TOUCH agrees that upon its default of any terms and
conditions of this LEASE, it will assign and transfer the Softlight License
Agreement entered into between LIGHT TOUCH and Thermolase Corporation, dated
10/7/98, to INTRAM, or its successors and assigns.

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

Witness:                           INTRAM INVESTMENT COMPANY

/s/ Kim L. Hartman                 BY:  /s/ Gregory F. Martini
------------------------------        --------------------------------
                                       Gregory F. Martini, President

/s/ Julie Crossley                 Date:  10-23-98
------------------------------          ------------------------------

Witness:                           LIGHT TOUCH VEIN & LASER, INC.

/s/ Kim L. Hartman                 BY: /s/ Colin C. Herd
------------------------------        --------------------------------
                                       Colin C. Herd, Director

Julie Crossley                     Date:  10-23-98
------------------------------          ------------------------------

                                       6

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