Document:

Exhibit 10.12
                                 PROMISSORY NOTE

Principal: $246,127.89
Loan Date: 05-24-2004
Maturity: 05-31-2005
Loan No: 00006
Account: 707901
Officer: SHF

Borrower:
Lenscard Corporation, a Delaware Corporation
C/O Bemel & Ross
11601 Wilshire Blvd #2150
Los Angles, CA  90025

Lender:
City National Bank, NA
Entertainment Department #567000
400 North Roxbury Drive, Suite 400
Beverly hills, CA  90210

Principal Amount: $246,127.89
Initial Rate: 4.000%
Date of Note: May 24, 2004

PROMISE TO PAY. LENSCARD CORPORATION, A DELAWARE CORPORATION ("Borrower")
promises to pay to City National Bank, NA ("Lender"), or order, in lawful money
of the United States of America, the principal amount of Two Hundred Forty-six
Thousand One Hundred Twenty-seven & 89/100 Dollars ($246,127.89), together with
interest on the unpaid principal balance from May 24, 2004, until paid in full.

PAYMENT. Subject to any payment changes resulting from changes in the Index,
Borrower will pay this loan in 11 principal payments of $6,836.89 each and one
final principal and interest payment of $171,510.83. Borrower's first principal
payment is due June 30, 2004, and all subsequent principal payments are due on
the last day of each month after that. In addition, Borrower will pay regular
monthly payments of all accrued unpaid interest due as of each payment date,
beginning on June 30,2004, with all subsequent interest payments to be due on
the last day of each month after that. Borrower's final payment due May 31,
2005, will be for all principal and all accrued interest not yet paid. Unless
otherwise agreed or required by applicable law, payments will be applied first
to accrued unpaid interest, then to principal, and any remaining amount to any
unpaid collection costs and late charges. The annual interest rate for this Note
is computed on a 365/360 basis; that is, by applying the ratio of the annual
interest rate over a year of 360 days, multiplied by the outstanding principal
balance, multiplied by the actual number of days the principal balance is
outstanding. Borrower will pay Lender at Lender's address shown above or at such
other place as Lender may designate in writing.

<PAGE>

VARIABLE INTEREST RATE. The interest rate on this Note is subject to change from
time to time based on changes in an index which is the City National Bank Prime
Rate (the "Index"). Prime Rate shall mean the rate most recently announced by
Lender at its principal office in Beverly Hills, California, as its "Prime
Rate." Any change in the Prime Rate shall become effective on the same business
day on which the Prime Rate shall change, without prior notice to Borrower.
Lender will tell Borrower the current Index rate upon Borrower's request. The
interest rate change will not occur more often than each day. Borrower
understands that Lender may make loans based on other rates as well. The Index
currently is 4.000%. The interest rate to be applied to the unpaid principal
balanced of this Note will be at a rate equal to the Index, resulting in an
initial rate of 4.000%. NOTICE: Under no circumstances will the interest rate on
this Note be more than the maximum rate allowed by applicable law.

PREPAYMENT. Borrower agrees that all loan fees and other prepaid finance charges
are earned fully as of the date of the loan and will not be subject to refund
upon early payment (whether voluntary or as a result of the default), except as
otherwise required by law. Except for the foregoing, Borrower may pay without
penalty all or a portion of the amount owed earlier than it is due. Early
payments will not, unless agreed to by Lender in writing, relieve Borrower of
Borrower's obligation to continue to make payments of accrued unpaid interest.
Rather, early payments will reduce the principal balance due and may result in
Borrower's making fewer payments. Borrower agrees not to send Lender payments
marked "paid in full", "without recourse", or similar language. If Borrower
sends such a payment, Lender may accept it without losing any of Lender's rights
under this Note, and Borrower will remain obligated to pay any further amount
owed to Lender. All written communications concerning disputed amounts,
including any check or other payment instrument that indicates that the payment
constitutes "payment in full" of the amount owed or that is tendered with other
conditions or limitations or as full satisfaction of a disputed amount must be
mailed or delivered to: City National Bank, NA; Entertainment Department
#667000, 400 North Roxbury Drive, Suite 400; Beverly Hills, CA 90210.

LATE CHARGE. If a payment is 10 days or more late, Borrower will be charged a
5.000% of the unpaid portion of the regularly scheduled payment or $10.00,
whichever is greater.

INTEREST AFTER DEFAULT. Upon Borrower's failure to pay all amounts declared due
pursuant to this section, including failure to pay upon final maturity, Lender
at its option, may, if permitted under applicable law, increase the variable
interest rate on this Note to 5.000 percentage points over the Index.

DEFAULT. Each of the following shall constitute an event of default ("Event of
Default") under this Note:

<PAGE>

Payment Default. Borrower fails to make any payment when due under this Note.

Other Defaults. Borrower fails to comply with or to perform any other term,
obligation, covenant or condition contained in this Note or in any of the
related documents or to comply with or to perform any term, obligation, covenant
or condition contained in any other agreement between Lender and Borrower.

Default In Favor of Third Parties. Borrower or any Grantor defaults under any
loan, extension of credit, security agreement, purchase or sales agreement, or
any other agreement, in favor of any other creditor or person that may
materially effect any of Borrower's property or Borrower's ability to repay this
Note or perform Borrower's obligations under this Note or any of the related
documents.

False Statements. Any warranty, representation or statement made or furnished to
Lender by Borrower or on Borrower's behalf under this Note or the related
documents is false or misleading in any material respect, either now or at the
time made or furnished or becomes false or misleading at any time thereafter.

Insolvency. The dissolution or termination of Borrower's existence as a going
business, the insolvency of Borrower, the appointment of a receiver for any part
of Borrower's property, any assignment for the benefit of creditors, any time of
creditor workout, or commencement of any proceeding under any bankruptcy or
insolvency laws by or against broker.

Creditor or Forfeiture Proceedings. Commencement of foreclosure or forfeiture
proceedings, whether by judicial proceeding, self-help, repossession or any
other method, by any creditor of Borrower or by any governmental agency against
any collateral securing the loan. This includes a garnishment of any of
Borrower's accounts, including deposit accounts, with Lender. However, this
Event of Default shall not apply if there is a good faith dispute by Borrower as
to the validity or reasonableness of the claim which is the basis of the
creditor or forfeiture proceeding and if Borrower gives Lender written notice of
the creditor or forfeiture proceeding and deposits with Lender monies or a
surety bond for the creditor or forfeiture proceeding, in an amount determined
by Lender, in its sole discretion, as being an adequate reserve or bond for the
dispute.

Events Affecting Guarantor. Any of the preceding events occurs with respect to
any Guarantor of any of the indebtedness or any Guarantor dies of becomes
incompetent, or revokes or disputes the validity of, or liability under, any
guaranty of the indebtedness evidenced by this Note.

Change in Ownership. Any change in ownership of twenty-five percent (25%) or
more of the common stock of the Borrower.

Adverse Change. A material adverse change occurs in Borrower's financial
condition, or Lender believes the prospect of payment or performance of this
Note is impaired.

<PAGE>

Insecurity. Lender in good faith believes itself insecure.

LENDER'S RIGHTS. Upon default, Lender may declare the entire unpaid balance on
this Note and all accrued unpaid interest immediately due, and then Borrower
will pay that amount.

ATTORNEY'S FEES; EXPENSES. Lender may hire or pay someone else to help collect
this Note if Borrower does not pay. Borrower will pay Lender that amount. This
includes, subject to any limits under applicable law, Lender's attorney's fees
and Lender's legal expenses, whether or not there is a lawsuit, including
attorney's fees, expenses for bankruptcy proceedings (including efforts to
modify or vacate any automatic stay or injunction), and appeals. Borrower also
will pay any court costs, in addition to all other sums provided by law.

GOVERNING LAW. This Note will be governed by, construed and enforced in
accordance with federal law and the laws of the State of California. This note
has been accepted by Lender in the State of California. CHOICE OF VENUE. If
there is a lawsuit, Borrower agrees upon Lender's request to submit to the
jurisdiction of the courts of LOS ANGELES county, State of California.

SUCCESSOR INTERESTS. The terms of this Note shall be binding upon Borrower, and
upon Borrower's heirs, personal representatives, successors and assigns, and
shall inure to the benefit of Lenders and its successors and assigns.

NOTIFY US OF INACCURATE INFORMATION WE REPORT TO CONSUMER REPORTING AGENCIES.
Please notify us if we report any inaccurate information about your account(s)
to a consumer reporting agency. Your written notice describing the specific
inaccuracy(ies) should be sent to us at the following address: City National
Bank, NA, P.O. Box 60938, Los Angeles, CA 90060-0938.

GENERAL PROVISIONS. Lender may delay or forgo enforcing any of its rights or
remedies under this Note without losing them. Borrower and any other person who
signs, guarantees or endorses this Note, to the extent allowed by law, waive any
applicable statute of limitations, presentment, demand for payment, and notice
of dishonor. Upon any change in the terms of this Note, and unless otherwise
expressly stated in writing, no party who signs this Note, whether as maker,
guarantor, accommodation maker or endorser, shall be released form liability.
All such parties agree that Lender may renew or extend (repeatedly and for any
length of time) this loan or release any party or guarantor or collateral; or
impair, fail to realize upon or perfect Lender's security interest in the
collateral; and take any other action deemed necessary by Lender without the
consent of or notice to anyone. All such parties also agree that Lender may
modify this loan without the consent of or notice to anyone other than the party
with whom the modification is made. The obligations under this Note are joint
and several.

<PAGE>

PRIOR TO SIGNING THIS NOTE, BORROWER READ AND UNDERSTOOD ALL OF THE PROVISIONS
OF THIS NOTE, INCLUDIGN THE VARIABLE INTEREST RATE PROVISIONS. BORROWER AGREES
TO THE TERMS OF THE NOTE.

BORROWER ACKNOWEDGES RECEIPT OF A COMPLETED COPY OF THIS PROMISSORY NOTE:

BORROWER:

LENSCARD CORPORATION, A DELAWARE CORPORATION

By: /s/ Alan Finkelstein
ALAN FINKELSTEIN,
President/Secretary of
LENSCARD CORPORATION,
A DELAWARE CORPORATIONExhibit 10.13

                               COMMERCIAL GUARANTY

Borrower:
Lenscard Corporation, a Delaware Corporation
C/O Bemel & Ross
11601 Wilshire Blvd #2150
Los Angles, CA  90025

Lender:
City National Bank, NA
Entertainment Department #567000
400 North Roxbury Drive, Suite 400
Beverly hills, CA  90210

Guarantor:
Alan Finkelstein
C/O Bemel & Ross
11601 Wilshire Blvd. Suite 2150
Los Angeles, CA  90025

AMOUNT OF GUARANTY. The principal amount of this Guaranty is Two Hundred Forty
Six Thousand One Hundred and Twenty-eight & 00/100 Dollars ($246,128.00).

CONTINUING GUARANTY. For good and valuable consideration, Alan Finkelstein
("Guarantor") absolutely and unconditionally guarantees and promises to pay to
City National Bank ("Lender") or its order, in legal tender of the United States
of America, the Indebtedness (as that term is defined below) of Lenscard
Corporation, a Delaware Corporation ("Borrower") to Lender on the terms and
conditions set forth in this Guaranty. The obligations of Guarantor under this
Guaranty are continuing.

MAXIMUM LIABILITY. The maximum liability of Guarantor under this Guaranty shall
not exceed at any one time the sum of the principal amount of $246,128.00, plus
all interest thereon, plus all of Lender's costs, expenses, and attorneys fees
incurred in connection with or relating to (A) the collection of the indebted
ness, (B) the collection and sale of any collateral for the Indebtedness or this
Guaranty, or (C) the enforcement of this Guaranty. Attorney's fees include,
without limitation, attorneys' fees whether or not there is a lawsuit, and if
there is a lawsuit, any fees and costs for trial and appeals.

The above limitation on liability is not a restriction on the amount of the
indebtedness of Borrower to Lender either in the aggregate or at any one time.
If Lender presently holds one or more guaranties, or hereafter receives
additional guaranties from Guarantor, the rights of Lender under all guaranties
shall be cumulative. This Guaranty shall not (unless specifically provided below
to the contrary) affect or invalidate any such other guaranties. The liability
of Guarantor will be the aggregate liability of Guarantor under the terms of
this Guaranty and any such other unterminated guaranties.

<PAGE>

INDEBTEDNESS GUARANTEED. The indebtedness guaranteed by this Guaranty includes
any and all of Borrower's indebtedness to Lender and is used in the most
comprehensive sense and means and includes any and all of Borrower's
liabilities, obligations and debts to Lender, now existing or hereinafter
incurred or created, including, without limitation, all loans, advances,
interest, costs, debts, overdraft indebtedness, credit card indebtedness, lease
obligations, other obligations, and liabilities of Borrower, or any of them, and
any present or future judgments against Borrower, or any of them; and whether
any such indebtedness is voluntarily or involuntarily incurred, due or not due,
absolute or contingent, liquidated or unliquidated, determined or undetermined;
whether Borrower may be liable individually or jointly with others, or primarily
or secondarily, or as guarantor or surety; whether recovery on the indebtedness
may be or may become barred or unenforceable against Borrower for any reason
whatsoever; and whether the indebtedness arises from transactions which may be
voidable on account of infancy, insanity ultra vires or otherwise.

DURATION OF GUARANTY. This Guaranty will take effect when received by Lender
without the necessity of any acceptance by Lender, or any notice to Guarantor or
to Borrower, and will continue in full force until all Indebtedness incurred or
contracted before receipt by lender of any notice of revocation shall have been
fully and finally paid and satisfied and all of Guarantor's other obligations
under this Guaranty shall have been performed in full. If Guarantor elects to
revoke this Guaranty, Guarantor may only do so in writing. Guarantor's written
notice of revocation must be mailed to Lender, by certified mail, at Lender's
address listed above or such other place as Lender may designate in writing.
Written revocation of this Guaranty will apply only to advances or new
Indebtedness created after actual receipt by Lender of Guarantor's written
revocation. For this purpose and without limitation, the term "new Indebtedness"
does not include Indebtedness which at the time of notice of revocation is
contingent, unliquidated, undetermined or not due and which later becomes
absolute, liquidated, determined or due. This Guaranty will continue to bind
Guarantor for all Indebtedness incurred by Borrower or committed by Lender prior
to receipt of Guarantor's written notice of revocation, including any
extensions, renewals, substitutions or modifications of the Indebtedness. All
renewals, extensions, substitutions, and modifications of the Indebtedness
granted after Guarantor's revocation, are contemplated under this Guaranty and,
specifically will not be considered to be new Indebtedness. This Guaranty shall
bind Guarantor's estate as to Indebtedness created both before and after
Guarantor's death or incapacity, regardless of Lender's actual notice of
Guarantor's death. Subject to the foregoing, Guarantor's executor or
administrator or other legal representative may terminate this Guaranty in the
same manner in which Guarantor might have terminated it and with the same
effect. Release of any other guarantor or termination of any other guaranty of
the Indebtedness shall not affect the liability of Guarantor under this
Guaranty. A revocation Lender receives from any one or more Guarantors shall not
affect the liability of any remaining Guarantors under this Guaranty. It is
anticipated that fluctuations may occur in the aggregate amount of Indebtedness
covered by this Guaranty, and Guarantor specifically acknowledges and agrees
that reductions in the amount of Indebtedness, even to zero dollars ($0.00),
prior to Guarantor's written revocation of this Guaranty shall not constitute a
termination of this Guaranty. This Guaranty is binding upon Guarantor and
Guarantor's heirs, successors and assigns so long as any of the guaranteed
Indebtedness remains unpaid and even though the Indebtedness guaranteed may from
time to time be zero dollars ($0.00).

<PAGE>

OBLIGATIONS OF MARRIED PERSONS. Any married person who signs this Guaranty
hereby expressly agrees that recourse under this Guaranty may be had against
both his or her separate property and community property.

GUARANTORS AUTHORIZATION TO LENDER. Guarantor authorizes Lender, either before
or after any revocation hereof, without notice or demand and without lessening
Guarantor's liability under this Guaranty, from time to time: (A) prior to
revocation as set forth above, to make one or more additional secured or
unsecured loans to Borrower, to lease equipment or other goods to Borrower, or
otherwise to extend additional credit to Borrower; (B) to alter, compromise,
renew, extend, accelerate, or otherwise change one or more times the time of
payment or other terms of the Indebtedness or any part of the Indebtedness,
including increases and decreases of the rate of interest on the Indebtedness;
extensions may be repeated and may be for longer than the original loan term;
(C) to take and hold security for the payment of this Guaranty or the
Indebtedness, and exchange, enforce, waive, subordinate, fail or decide not to
perfect, and release any such security, with or without the substitution of new
collateral; (D) to release, substitute, agree not to sue, or deal with any one
or more of Borrower's sureties, endorsers, or other guarantors on any terms or
in any manner Lender may choose; (E) to determine how, when and what application
of payments and credits shall be made on the Indebtedness; (F) to apply such
security and direct the order or manner of sale thereof, including without
limitation, any nonjudicial sale permitted by the terms of the controlling
security agreement of deed of trust, as Lender in its discretion may determine;
(G) to sell, transfer, assign, or grant participation in all or any part of the
Indebtedness; and (H) to assign or transfer this Guaranty in whole or in part.

GUARANTOR'S REPRESENTATIONS AND WARRANTIES. Guarantor represents and warrants to
Lender that (A) no representation or agreements of any kind have been made to
Guarantor which would limit or qualify in any way the terms of this Guaranty;
(B) this Guaranty is executed at Borrower's request and not at the request of
Lender; (C) Guarantor has full power, right and authority to enter into this
Guaranty; (D) the provisions of this Guaranty do not conflict with or result in
a default under any agreement or other instrument binding upon Guarantor and do
not result in a violation of any law, regulation, court decree or order
applicable to Guarantor; (E) Guarantor has not and will not, without the prior
written consent of Lender, sell, lease, assign, encumber, hypothecate, transfer,
or otherwise dispose of all or substantially all of Guarantor's assets, or any
interest therein; (F) upon Lender's request, Guarantor will provide to Lender
financial and credit information in for acceptable to Lender, and all such
financial information which currently has been and all future financial
information which will be provided to Lender is and will be true and correct in
all material respects and fairly present Guarantor's financial condition as of
the dates the financial information is provided; (G) no material adverse change
has occurred in Guarantor's financial condition as of the dates the financial
information provided to Lender and no event has occurred which may materially
adversely affect Guarantor's financial condition; (H) no litigation, claim,
investigation, administrative proceeding or similar action (including those for
unpaid taxes) against Guarantor is pending or threatened; (I) Lender has made no
representation to Guarantor as to the creditworthiness of Borrower; and (J)
Guarantor ahs established adequate means of obtaining from Borrower on a
continuing basis information regarding Borrower's financial condition. Guarantor
agrees to keep adequately informed from such means of any facts, events, or
circumstances which might in any way affect Guarantor's risks under this
Guaranty, and Guarantor further agrees that, absent a request for information,
Lender shall have no obligation to disclose to Guarantor any information or
documents acquired by Lender in the course of its relationship with Borrower.

<PAGE>

GUARANTOR'S WAIVERS. Except as prohibited by applicable law, Guarantor waives
any right to require Lender to (A) make any presentment, protest, demand, or
notice of any kind, including notice of change of any terms of repayment of the
Indebtedness, default by Borrower or any other guarantor or surety, any action
or nonaction taken by Borrower, Lender, or any other guarantor or surety of
Borrower, or the creation of new or additional Indebtedness; (B) proceed against
any person, including Borrower, before proceedings against Guarantor; (C)
proceed against any collateral for the Indebtedness, including Borrower's
collateral, before proceeding against Guarantor; (D) apply any payments or
proceeds received against the Indebtedness in any order; (E) give notice of the
terms, time, and place of any sale of the collateral pursuant to the Uniform
Commercial Code or any other law governing such sale; (F) disclose any
information about the Indebtedness, the Borrower, the collateral, or any other
guarantor or surety, or about any action or nonaction of Lender; or (G) pursue
any remedy or course of action in Lender's power whatsoever.

Guarantor also waives any and all rights or defenses arising by reason of (H)
any disability or other defense of Borrower, any other guarantor or surety or
any other person; (I) the cessation from any cause whatsoever, others than
payment in full, of the Indebtedness; (J) the application of proceeds of the
Indebtedness by Borrower for purposes other than the purposes understood and
intended by Guarantor and Lender; (K) any act or omission or commission by
lender which directly or indirectly results in or contributes to the discharge
of Borrower or any other guarantor or surety, or the Indebtedness, or the loss
or release of any collateral by operation of law or otherwise; (L) any statute
of limitations in any action under this Guaranty or on the Indebtedness; or (M)
any modification or change in terms of the Indebtedness, whatsoever, including
without limitation, the renewal, extension, acceleration, or other change in the
time and that payment of the Indebtedness is due and any change in the interest
rate, and including any such modification or change in terms after revocation of
this Guaranty on Indebtedness incurred prior to such revocation.

Guarantor waives all rights and any defenses arising out of an election of
remedies by Lender even though that the election of remedies, such as a
non-judicial foreclosure with respect to security for a guaranteed obligation,
has destroyed Guarantor's rights of subrogation and reimbursement against
Borrower by operation of Section 580d of the California Code of Civil Procedure
or otherwise.

<PAGE>

Guarantor waives all rights and defenses that Guarantor may have because
Borrower's obligation is secured by real property. This means among other
things: (1) Lender may collect from Guarantor without first foreclosing on any
real or personal property collateral pledged by Borrower. (2) If Lender
forecloses on any real property collateral pledged by Borrower: (a) the amount
of Borrower's obligation may be reduced only by the price for which the
collateral is sold at the foreclosure sale, even if the collateral is worth more
than the sale price. (b) Lender may collect from Guarantor even if Lender, by
foreclosing on the real property collateral, has destroyed any right Guarantor
may have to collect from borrower. This is an unconditional waiver of any rights
and defenses Guarantor may have because Borrower's obligation is secured by real
property. These rights and defenses include, but are not limited to, any rights
and defenses based upon Section 580a, 580b, 580d, or 726 of the Code of Civil
Procedure.

Guarantor understands and agrees that the foregoing waivers are waivers of
substantive rights and defenses to which Guarantor might otherwise be entitled
to under state and federal law. The rights and defenses waived include, without
limitation, those provided by California laws of suretyship and guaranty,
anti-deficiency laws, and the Uniform Commercial Code. Guarantor acknowledges
that guarantor has provided these waivers of rights and defenses with the
intention that they may be fully relied upon by Lender. Until all Indebtedness
is paid in full, Guarantor waives any right to enforce any remedy Lender may
have against the Borrower or any other guarantor, surety, or other person, and
further Guarantor waives any right to participate in any collateral for the
Indebtedness now or hereafter held by Lender.

GUARANTOR'S UNDERSTANDING WITH RESPECT TO WAIVERS. Guarantor warrants and agrees
that each of the waivers set froth above is made with Guarantor's full knowledge
of its significance and consequences and that, under the circumstances, the
waivers are reasonable and not contrary to public policy or law. If any such
waiver is determined to be contrary to any applicable law or public policy, such
wavier shall be effective only to the extent permitted by law or public policy.

SUBORDINATION OF BORROWER'S DEBTS TO GUARANTOR. Guarantor agrees that the
Indebtedness of Borrower to Lender, whether now existing or hereafter crated,
shall be superior to any claim that Guarantor may now have or hereafter acquire
against Borrower, whether or not Borrower becomes insolvent. Guarantor hereby
expressly subordinates any claim Guarantor may have against Borrower, upon any
account whatsoever, to any claim that Lender may now or hereafter have against
Borrower. In the event of insolvency and consequent liquidation of the assets of
Borrower, through bankruptcy, by an assignment for the benefit of creditors, by
voluntary liquidation, or otherwise, the assets of Borrower applicable to the
payment of the claims or both Lender and Guarantor shall be paid to Lender and
shall be first applied by Lender to the Indebtedness of Borrower to Lender.
Guarantor does hereby assign to Lender all claims which it may have or acquire
against Borrower or against any assignee or trustee in bankruptcy of Borrower;
provided however, that such assignment shall be effective only for the purpose
of assuring to lender full payment in legal tender of the Indebtedness. If
Lender so requests, any notes or credit agreements now or hereafter evidencing
any debts or obligations of Borrower to Guarantor shall be marked with a legend
that the same are subject to this Guaranty and shall be delivered to Lender.
Guarantor agrees, and Lender hereby is authorized, in the name of Guarantor,
from time to time to execute and the financing statements and continuation
statements and to execute such other documents and to take such other actions as
Lender deems necessary or appropriate to perfect, preserve and enforce its
rights under this Guaranty.

<PAGE>

MISCELLANEOUS PROVISIONS. The following miscellaneous provisions are a part of
this Guaranty:

      Amendments. This Guaranty, together with any Related Documents,
      constitutes the entire understanding and agreement of the parties as to
      the matters set forth in this Guaranty. No alteration of or amendment to
      this Guaranty shall be effective unless given in writing and signed by the
      party or parties sought to be charged or bound by the alteration or
      amendment.

      Attorney's Fees; Expenses. Guarantor agrees to pay upon demand all of
      Lender's costs and expenses, including Lender's attorney's fees and
      Lender's legal expenses, incurred in connection with the enforcement of
      this Guaranty. Lender may hire or pay someone else to help enforce this
      Guaranty, and Guarantor shall pay the costs and e4xpenses of such
      enforcement. Costs and expenses include Lender's attorney's fees and legal
      expenses whether or not there is a lawsuit, including attorneys' fees and
      legal expense for bankruptcy proceedings (including efforts to modify or
      vacate any automatic stay or injunction), appeals, and any anticipated
      post-judgment collection services. Guarantor also shall pay all court
      costs and such additional fees as may be directed by the court.

      Caption Headings. Caption headings in this Guaranty are for convenience
      purposes only and are not to be used to interpret or define the provisions
      of this Guaranty.

      Governing Law. This Guaranty will be governed by, construed and enforced
      in accordance with federal law and the laws of the State of California.
      This Guaranty has been accepted by Lender in the State of California.

      Choice of Venue. IF there is a lawsuit, Guarantor agrees upon Lender's
      request to submit to the jurisdiction of the courts of LOS ANGELES county,
      State of California.

      Integration. Guarantor further agrees that Guarantor has read and fully
      understand the terms of this Guaranty; Guarantor has had the opportunity
      to be advised by Guarantor's attorney with respect to this Guaranty; the
      Guaranty fully reflects Guarantor's intentions and parol evidence is not
      required to interpret the terms of this Guaranty. Guarantor hereby
      indemnifies and holds Lender harmless from all losses, claims, damages,
      and costs (including Lender's attorneys' fess) suffered or incurred by
      Lender as a result of any breach by Guarantor of the warranties,
      representations and agreements of this paragraph.

<PAGE>

      Interpretation. In all cases where there is more than one Borrower or
      Guarantor, then all words used in this Guaranty in the singular shall be
      deemed to have been used in the plural where the context and construction
      so require: and where there is more than one Borrower named in this
      Guaranty or when this Guaranty is executed by more than one Guarantor, the
      words "Borrower" and "Guarantor" respectively shall mean all and any one
      or more of them. The words "Guarantor," "Borrower," and "Lender" include
      the heirs, successors, assigns, and transferees of each of them. If a
      court finds that any provision of this Guaranty is not valid or should not
      be enforced, that fact by itself will not mean that the rest of this
      Guaranty will not be valid or enforced. Therefore, a court will enforce
      the rest of the provisions of this Guaranty even if a provision of this
      Guaranty may be found to be invalid or unenforceable. If any one or more
      of Borrower or Guarantor are corporations, partnerships, limited liability
      companies or similar entities, it is not necessary for Lender to inquire
      into the powers of Borrower or Guarantor or of the officers, directors,
      partners, managers or other agents acting or purporting to act on their
      behalf, and any Loan Indebtedness made or created in reliance upon the
      professed exercise of such powers shall be guaranteed under this Guaranty.

      Notices. Any notice required to be given under this Guaranty shall be
      given in writing, and, except for revocation notices by Guarantor, shall
      be effective when actually delivered, when actually received by
      telefacsimile (unless otherwise required by law), when deposited with a
      nationally recognized overnight courier, or, if mailed, when deposited in
      the United States mail, as first class, certified or registered mail
      postage prepaid, directed to the addresses shown near the beginning of
      this Guaranty. All revocation notices by Guarantor shall be in writing and
      shall be effective upon delivery to Lender as provided in the section of
      this Guaranty entitled "DURATION OF GUARANTY." Any party may change its
      address for notices under this Guaranty by giving formal written notice to
      the other parties, specifying that the purpose of the notice is to change
      the party's address. For notice purposes, Guarantor agrees to keep Lender
      informed at all times of Guarantor's current address. Unless otherwise
      provided or required by law, if these if more than one Guarantor, any
      notice given by Lender to any Guarantor is deemed to be notice given to
      all Guarantors.

      No Waiver by Lender. Lender shall not be deemed to have waived any rights
      under this Guaranty unless such waiver is given in writing and signed by
      Lender. No delay or omission on the part of Lender in exercising any right
      shall operate as a waiver of such right or any other right. A wavier by
      Lender of a provision of this Guaranty shall not prejudice or constitute a
      wavier of Lender's right otherwise to demand strict compliance with that
      provision or any other provision of this Guaranty. No prior waiver by
      Lender, nor any course of delaying between Lender and Guarantor, shall
      constitute a waiver of any of Lender's rights or of any of Guarantor's
      obligations as to any future transactions. Whenever the consent of Lender
      is required under this Guaranty, the granting of such consent by Lender in
      any instance shall not constitute continuing consent to subsequent
      instances where such consent is required and in all cases such consent may
      be granted or withheld in the sole reasonable discretion of Lender.

<PAGE>

      Successors and Assigns. Subject to any limitations stated in this Guaranty
      on transfer of Guarantor's interest, this Guaranty shall be binding upon
      and inure to the benefit of the parties, their successors and assigns.

DEFINITIONS. The following capitalized words and terms shall have the following
meanings when used in this Guaranty. Unless specifically stated to the contrary,
all references to dollar amounts shall mean amounts in lawful money of the
United States of America. Words and terms used in the singular shall include the
plural, and the plural shall include the singular, as the context may require.
Words and terms not otherwise defined in this Guaranty shall have the meanings
attributed to such terms in the Uniform Commercial Code:

      Borrower. The word "Borrower" means LENSCARD CORPORATION, A DELAWARE
      CORPORATION, and all other persons and entities signing the Note in
      whatever capacity.

      Guarantor. The word "Guarantor" means each and every person or entity
      signing this Guaranty, including, without limitation, Alan Finkelstein.

      Guaranty. The word "Guaranty" means the guaranty from Guarantor to Lender,
      including without limitation a guaranty of all or part of the Note.

      Indebtedness. The word "Indebtedness" means Borrower's indebtedness to
      Lender as more particularly described in this Guaranty.

      Lender. The word "Lender" means City National Bank, NA, its successors and
      assigns.

      Related Documents. The words "Related Documents" mean and all promissory
      notes, credit agreements, loan agreements, environmental agreements,
      guaranties, security agreements, mortgages, deeds of trust, security
      deeds, collateral mortgages; and all other instruments, agreements and
      documents, whether now or hereafter existing, executed in connection with
      the Indebtedness.

GUARANTOR ACKNOWLEDGES HAVING READ ALL THE PROVISINOS OF THIS COMMERCIAL
GUARANTY AND GUARANTOR AGREES TO ITS TERMS. THIS COMMERCIAL GUARANTY IS DATED
MAY 24, 2004.

GUARANTOR:

X /S/ ALAN FINKELSTEIN
Alan Finkelstein, Individually

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