Document:

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                                                                   EXHIBIT 10.28

                        FUTURE MEDIA PRODUCTIONS, INC.

                          2000 STOCK INCENTIVE PLAN

1.   Purpose of the Plan.

     The purpose of this 2000 Stock Incentive Plan (the "Plan") is to provide
incentives and rewards to selected eligible directors, officers, employees and
consultants of Future Media Productions, Inc. (the "Company") or its
subsidiaries in order to assist the Company and its subsidiaries in attracting,
retaining and motivating those persons by providing for or increasing the
proprietary interests of those persons in the Company, and by associating their
interests in the Company with those of the Company's shareholders.

2.   Administration of the Plan.

     The Plan shall be administered by the Board of Directors of the Company
(the "Board"), or a committee of the Board (the "Committee") consisting of two
or more directors, at least two of whom shall be both "Non-Employee Directors",
as that term is defined in Rule 16b-3(b) of the Rules and Regulations (the
"Rules") of the Securities and Exchange Commission under the Securities Exchange
Act of 1934, as amended, and an "outside director" for purposes of Section
162(m) of the Internal Revenue Code of 1986, as amended (the "Code") and the
regulations of the Internal Revenue Service adopted thereunder, as such Rules
and such Section and regulations may from time to time be amended or
interpreted.  Members of the Committee, if any, shall serve at the pleasure of
the Board.  If administration is delegated to the Committee, the Committee shall
have, in connection with the administration of the Plan, the powers theretofore
possessed by the Board (and references in this Plan to the Board shall
thereafter be to the Committee), subject, however, to such resolutions, not
inconsistent with the provisions of the Plan as may be adopted from time to time
by the Board.

     The Board shall have all the powers vested in it by the terms of the Plan,
including exclusive authority (i) to select from among eligible directors,
officers, employees and consultants, those persons to be granted "Awards" (as
defined below) under the Plan; (ii) to determine the type, size and terms of
individual Awards (which need not be identical) to be made to each person
selected; (iii) to determine the time when Awards will be granted and to
establish objectives and conditions (including, without limitation, vesting and
performance conditions), if any, for earning Awards; (iv) to amend the terms or
conditions of any outstanding Award, subject to applicable legal restrictions
and to the consent of the other party to such Award; (v) to determine the
duration and purpose of leaves of absences which may be granted to holders of
Awards without constituting termination of their employment for purposes of
their Awards; (vi) to authorize any person to execute, on behalf of the Company,
any instrument required to carry out the purposes of the Plan; and (vii) to make
any and all other determinations which it determines to be necessary or
advisable in the administration of the Plan.  The Board shall have full power
and authority to administer and interpret the Plan and to adopt, amend and
revoke such rules, regulations, agreements, guidelines and instruments for the
administration of the Plan and for the conduct of its business as the Board
deems necessary or advisable.  The Board's interpretation of the Plan, and all
actions taken and determinations made by the Board pursuant to the powers vested
in it hereunder, shall be conclusive and binding on all
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parties concerned, including the Company, its shareholders, any participants in
the Plan and any other employee of the Company or any of its subsidiaries.

3.   Persons Eligible Under the Plan.

     Any person who is a director, officer, employee or consultant of the
Company, or any of its subsidiaries (a "Participant"), shall be eligible to be
considered for the grant of Awards under the Plan.

4.   Awards.

     (a)  Common Stock and Derivative Security Awards. Awards authorized under
the Plan shall consist of any type of arrangement with a Participant that is not
inconsistent with the provisions of the Plan and that, by its terms, involves or
might involve or be made with reference to the issuance of (i) shares of the
Common Stock, no par value per share, of the Company (the "Common Stock") or
(ii) a "derivative security" (as that term is defined in Rule 16a-1(c) of the
Rules, as the same may be amended from time to time) with an exercise or
conversion price related to the Common Stock or with a value derived from the
value of the Common Stock.

     (b)  Types of Awards. Awards are not restricted to any specified form or
structure and may include, but need not be limited to, sales, bonuses and other
transfers of stock, restricted stock, stock options, reload stock options, stock
purchase warrants, other rights to acquire stock or securities convertible into
or redeemable for stock, stock appreciation rights, phantom stock, dividend
equivalents, performance units or performance shares, or any other type of Award
which the Board shall determine is consistent with the objectives and
limitations of the Plan. An Award may consist of one such security or benefit,
or two or more of them in tandem or in the alternative.

     (c)  Consideration. Common Stock may be issued pursuant to an Award for any
lawful consideration as determined by the Board, including, without limitation,
a cash payment, services rendered, or the cancellation of indebtedness.

     (d)  Guidelines. The Board may adopt, amend or revoke from time to time
written policies implementing the Plan. Such policies may include, but need not
be limited to, the type, size and term of Awards to be made to participants and
the conditions for payment of such Awards.

     (e)  Terms and Conditions. Subject to the provisions of the Plan, the
Board, in its sole and absolute discretion, shall determine all of the terms and
conditions of each Award granted pursuant to the Plan, which terms and
conditions may include, among other things:

          (i)    any provision necessary for such Award to qualify as an
     incentive stock option under Section 422 of the Code (an "Incentive Stock
     Option");

          (ii)   a provision permitting the recipient of such Award to pay the
     purchase price of the Common Stock or other property issuable pursuant to
     such Award, or to pay such recipient's tax withholding obligation with
     respect to such issuance, in whole or in part, by delivering previously
     owned shares of capital stock of the Company (including "pyramiding")

                                       2
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     or other property, or by reducing the number of shares of Common Stock or
     the amount of other property otherwise issuable pursuant to such Award; or

          (iii)  a provision conditioning or accelerating the receipt of
     benefits pursuant to the Award, or terminating the Award, either
     automatically or in the discretion of the Board, upon the occurrence of
     specified events, including, without limitation, a change of control of the
     Company, an acquisition of a specified percentage of the voting power of
     the Company, the dissolution or liquidation of the Company, a sale of
     substantially all of the property and assets of the Company or an event of
     the type described in Section 7 of the Plan.

     (f)  Suspension or Termination of Awards. If the Company believes that a
Participant has committed an act of misconduct as described below, the Company
may suspend the Participant's rights under any then outstanding Award pending a
determination by the Board. If the Board determines that a Participant has
committed an act of embezzlement, fraud, nonpayment of any obligation owed to
the Company or any subsidiary, breach of fiduciary duty or deliberate disregard
of the Company's rules resulting in loss, damage or injury to the Company, or if
a Participant makes an unauthorized disclosure of trade secret or confidential
information of the Company, engages in any conduct constituting unfair
competition, or induces any customer of the Company to breach a contract with
the Company, neither the Participant nor his or her estate shall be entitled to
exercise any rights whatsoever with respect to such Award. In making such
determination, the Board shall act fairly and shall give the Participant a
reasonable opportunity to appear and present evidence on his or her behalf to
the Board.

     (g)  Maximum Grant of Awards to any Participant. During any fiscal year, no
Participant shall receive Awards under the Plan representing more than 100,000
shares of Common Stock, subject to adjustment as provided in Section 7.

5.   Shares of Common Stock Subject to the Plan.

     The aggregate number of shares of Common Stock that may be issued or
issuable pursuant to all Awards under the Plan (including Awards in the form of
Incentive Stock Options and Non-Statutory Options) shall not exceed an aggregate
of 1,626,900 shares of Common Stock, subject to adjustment as provided in
Section 7 of the Plan.  Shares of Common Stock subject to the Plan may consist,
in whole or in part, of authorized and unissued shares or treasury shares. Any
shares of Common Stock subject to an Award which for any reason expires or is
terminated unexercised as to such shares shall again be available for issuance
under the Plan. For purposes of this Section 5, the aggregate number of shares
of Common Stock that may be issued at any time pursuant to Awards granted under
the Plan shall be reduced by:  the number of shares of Common Stock previously
issued pursuant to Awards granted under the Plan, other than shares of Common
Stock subsequently reacquired by the Company pursuant to the terms and
conditions of such Awards and with respect to which the holder thereof received
no benefits of ownership, such as dividends; and  the number of shares of Common
Stock which were otherwise issuable pursuant to Awards granted under this Plan
but which were withheld by the Company as payment of the purchase price of the
Common Stock issued pursuant to such Awards or as payment of the recipient's tax
withholding obligation with respect to such issuance.

                                       3
<PAGE>

6.   Payment of Awards.

     The Board shall determine the extent to which Awards shall be payable in
cash, shares of Common Stock or any combination thereof.  The Board may, upon
request of a Participant, determine that all or a portion of a payment to that
Participant under the Plan, whether it is to be made in cash, shares of Common
Stock or a combination thereof, shall be deferred.  Deferrals shall be for such
periods and upon such terms as the Board may determine in its sole discretion.

7.   Dilution and Other Adjustment.

     In the event of any change in the outstanding shares of the Common Stock or
other securities then subject to the Plan by reason of any stock split, reverse
stock split, stock dividend, recapitalization, merger, consolidation,
combination or exchange of shares or other similar corporate change, or if the
outstanding securities of the class then subject to the Plan are exchanged for
or converted into cash, property or a different kind of securities, or if cash,
property or securities are distributed in respect of such outstanding securities
(other than a regular cash dividend) , then, unless the terms of such
transaction shall provide otherwise, such equitable adjustments shall be made in
the Plan and the Awards thereunder (including, without limitation, appropriate
and proportionate adjustments in (i) the number and type of shares or other
securities or cash or other property that may be acquired pursuant to Incentive
Stock Options and other Awards theretofore granted under the Plan, (ii) the
maximum number and type of shares or other securities that may be issued
pursuant to Incentive Stock Options and other Awards thereafter granted under
the Plan; and (iii) the maximum number of securities with respect to which
Awards may thereafter be granted to any Participant in any fiscal year) as the
Board determines are necessary or appropriate, including, if necessary, any
adjustments in the maximum number of shares referred to in Section 5 of the
Plan.  Such adjustments shall be conclusive and binding for all purposes of the
Plan.

8.   Miscellaneous Provisions.

     (a)  Definitions. As used herein, "subsidiary" means any current or future
corporation which would be a "subsidiary corporation," as that term is defined
in Section 425 of the Code, of the Company; and the term "or" means "And/or."

     (b)  Conditions on Issuance. Securities shall not be issued pursuant to
Awards unless the grant and issuance thereof shall comply with all relevant
provisions of law and the requirements of any securities exchange or quotation
system upon which any securities of the Company are listed, and shall be further
subject to approval of counsel for the Company with respect to such compliance.
Inability of the Company to obtain authority from any regulatory body having
jurisdiction, which authority is determined by Company counsel to be necessary
to the lawful issuance and sale of any security or Award, shall relieve the
Company of any liability in respect of the nonissuance or sale of such
securities as to which requisite authority shall not have been obtained.

     (c)  Rights as Shareholder. A participant under the Plan shall have no
rights as a holder of Common Stock with respect to Awards hereunder, unless and
until certificates for shares of such stock are issued to the participant.

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     (d)  Assignment or Transfer. Subject to the discretion of the Board, and
except with respect to Incentive Stock Options which are not transferable except
by will or the laws of descent and distribution, Awards under the Plan or any
rights or interests therein shall be assignable or transferable.

     (e)  Agreements. All Awards granted under the Plan shall be evidenced by
written agreements in such form and containing such terms and conditions (not
inconsistent with the Plan) as the Board shall from time to time adopt.

     (f)  Withholding Taxes. The Company shall have the right to deduct from all
Awards hereunder paid in cash any federal, state, local or foreign taxes
required by law to be withheld with respect to such awards and, with respect to
awards paid in stock, to require the payment (through withholding from the
participant's salary or otherwise) of any such taxes. The obligation of the
Company to make delivery of Awards in cash or Common Stock shall be subject to
the restrictions imposed by any and all governmental authorities.

     (g)  No Rights to Award. No Participant or other person shall have any
right to be granted an Award under the Plan. Neither the Plan nor any action
taken hereunder shall be construed as giving any Participant any right to be
retained in the employ of the Company or any of its subsidiaries or shall
interfere with or restrict in any way the rights of the Company or any of its
subsidiaries, which are hereby reserved, to discharge a Participant at any time
for any reason whatsoever, with or without good cause.

     (h)  Costs and Expenses. The costs and expenses of administering the Plan
shall be borne by the Company and not charged to any Award nor to any
Participant receiving an Award.

     (i)  Funding of Plan. The Plan shall be unfunded. The Company shall not be
required to establish any special or separate fund or to make any other
segregation of assets to assure the payment of any Award under the Plan.

9.   Amendments and Termination.

     (a)  Amendments. The Board may at any time terminate or from time to time
amend the Plan in whole or in part, but no such action shall adversely affect
any rights or obligations with respect to any Awards theretofore made under the
Plan. However, with the consent of the Participant affected, the Board may amend
outstanding agreements evidencing Awards under the Plan in a manner not
inconsistent with the terms of the Plan.

     (b)  Shareholder Approval. To the extent that Section 422 of the Code,
other applicable law, or the rules, regulations, procedures or listing agreement
of any national securities exchange or quotation system, requires that any
amendment of the Plan be approved by the shareholders of the Company, no such
amendment shall be effective unless and until it is approved by the shareholders
in such a manner and to such a degree as is required.

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     (c)  Termination. Unless the Plan shall theretofore have been terminated as
above provided, the Plan (but not the awards theretofore granted under the Plan)
shall terminate on and no awards shall be granted after April 13, 2010.

10.  Effective Date.

     The Plan is effective on April 13, 2000, the date on which it was
originally adopted by the Board of Directors of the Company and the holders of
the majority of the Common Stock of the Company.

11.  Governing Law.

     The corporate law of Delaware shall govern issues related to the validity
and issuance of Common Stock. Otherwise, the Plan and any agreements entered
into thereunder shall be construed and governed by the laws of the State of
Delaware applicable to contracts made within, and to be performed wholly within,
such state.

                                       6EXHIBIT 10.1

                      Promissory Note dated March 29, 2000

                                       23

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THIS  AGREEMENT IS SUBJECT TO  ARBITRATION  PURSUANT TO THE UNIFORM  ARBITRATION
ACT,  SECTION  15-48-10,  ET  SEQ.,  CODE OF LAWS OF  SOUTH  CAROLINA,  1976 (AS
AMENDED)

                                 PROMISSORY NOTE

$700,000.00                                           Charleston, South Carolina
                                                March 29, 2000

                               * * * * * * * * * *

     FOR  VALUE  RECEIVED,  the  undersigned,  LIGHTTOUCH  VEIN & LASER OF SOUTH
CAROLINA, INC., a South Carolina Corporation, with an office at 10663 Montgomery
Road, Cincinnati, Ohio ("Maker"), hereby promises and agrees to pay to the order
of HARLEY F.  FREIBERGER,  M.D.,  d/b/a THE CHARLESTON  DERMATOLOGY AND COSMETIC
SURGERY  CENTER  ("Payee") at 29 Gamecock  Avenue,  Charleston,  South  Carolina
29407, the aggregate  principal sum of SEVEN HUNDRED THOUSAND AND 00/100 DOLLARS
($700,000.00), without interest thereon as hereinafter provided, in lawful money
of the United States of America, as hereinafter provided.

     The principal of this  Promissory Note shall bear no interest on the unpaid
balance.

     Principal shall be due and payable in two (2) installments.  Provided,  the
business  formally known as "The  Charleston  Dermatology  and Cosmetic  Surgery
Center" which has been purchased by the Maker shall maintain a cash flow, of not
less than  $400,000.00  for the  period  beginning  January  1, 2000 and  ending
December  31,  2000,  Maker  shall  pay to Payee (i) the  first  installment  of
principal  in the  amount of  $200,000.00  on or before the date which is twelve
(12) months from the date hereof and (ii) the second installment of principal in
the amount of $500,000.00 on or before the date which is twenty-four (24) months
from the date hereof. For purposes of this Section,  cash flow shall be measured
at the end of each such twelve (12) and twenty-four  (24) month period and shall
be calculated as net income,  including  facility rental income calculated using
the  accrual  method  of  accounting  subject  to the rules  and  provisions  of
Generally Accepted Accounting  Principles (GAAP) before income taxes and Payee's
total compensation for the period being reported.  Cash flow shall be determined
by the certified  public  account (CPA) for the Maker  according to GAAP. If the
CPA  determines  that the cash  flow for the  above  stated  period is less than
$400,000.00 then this Note shall  automatically renew for successive twelve (12)
and twenty-four (24) month periods,  without  interest,  until the required cash
flow is attained within a fiscal year (the "Maturity  Date"). By way of example,
should the cash flow be less than the required  $400,000.00  for the twelve (12)
month period ending 3/31/2001, but shall be at least $400,000.00 for twelve (12)
month  period  ending  3/31/2002,  then  the  Principal  would  be due  two  (2)
installments on the anniversary date of this Note in 2002 and 2003.

Principal  payments shall be made at the Payee's address above unless  otherwise
designated by Payee in writing.

The  principal  balance  may be prepaid at any time in whole or in part  without
premium or penalty.  Any and all prepayments  shall be applied to the payment of
the principal of this Promissory Note

Events of Default:

This  Promissory  Note shall be and become  immediately  due and  payable at the
option of Payee, without any demand or notice whatsoever, upon the occurrence of
any of the following  described events,  each of which shall constitute an Event
of Default:

Charleston:  181926 v.9
<PAGE>

(1)      Any failure to make any payment when due of any  principal  installment
         on  this  Promissory  Note  (whether  upon  demand  at  maturity  or by
         acceleration)  or the failure to perform any other  obligation of Maker
         to Payee.

(2)      The dissolution of Maker of this Promissory Note.

(3)      The creation of any lien (except a lien to Payee) or the issuance of an
         attachment against or seizure of any of the property of Maker.

(4)      An assignment for the benefit of the creditors of, or the  commencement
         of  any  bankruptcy,  receivership,   insolvency,   reorganization,  or
         liquidation proceedings by or against Maker of this Promissory Note.

(5)      An event of default  under any other  document  evidencing  or securing
         this Note,  including,  without limitation,  a breach or default of any
         agreement,  covenant or  provision  under that certain  Asset  Purchase
         Agreement  dated  March  ___,  2000,  between  Maker and Payee and that
         certain  Security  Agreement  dated of even date  herewith  by Maker in
         favor of Payee (the "Transaction Documents").

(6)      Entry of a judgment against Maker.

(7)      Any  representation  or  warranty  of Maker  in any of the  Transaction
         Documents is or was untrue or misleading.

Upon the occurrence of an Event of Default herein  described,  Payee may, at its
option,  declare this Note to be fully due and payable plus any fees and charges
and exercise any or all other remedies  provided for at law or in equity. To the
extent  permitted by law, any unpaid principal shall accrue interest at the rate
of 18% per annum (the "Default  Rate").  The provisions for a Default Rate shall
not be deemed to extend the time for payment  hereunder or to give Maker a right
to cure any default.  Maker shall pay all costs of collection incurred by Payee,
including  his  attorney's  fees,  if this  Promissory  Note is  referred  to an
attorney  for  collection,  whether or not payment is obtained  before  entry of
judgment.  No  failure  on the  part of  Payee  to  exercise  any of its  rights
hereunder shall be deemed a waiver of any such rights or of any default.

Maker waives diligence, presentment for payment, protest, notice of dishonor and
of  nonpayment   and  protest,   and  does  hereby  consent  to  any  number  of
forbearances,  renewals or extensions  of time of payment  hereof or releases or
substitutions of all or any part of any security for payment hereof.  Any notice
provided  for in this  Promissory  Note shall be given by mailing such notice by
certified  mail,  return receipt  requested,  addressed to the party entitled to
such notice at the address  identified in the first paragraph hereof, or to such
other  address as either party hereto may  designate in writing by notice to the
other party.

Maker  agrees  that  there  are no  conditions  or  understandings  that are not
expressed in this Promissory Note and the documents referred to herein.

The declaration of invalidity of any provision of this Promissory Note shall not
affect any part of the remainder of the provisions.

The  provisions of this  Promissory  Note shall be binding upon and inure to the
benefit of Maker and Payee and their respective  heirs,  legal  representatives,
successors and assigns.

This  Promissory  Note shall be interpreted and construed in accordance with and
governed by the laws of the State of South Carolina.

Time shall be of the essence.

                                       2
<PAGE>

As  security  for the  payment of this  Note,  Maker has caused to be granted to
Payee a security  interest  in all of the rights,  title and  interest in and to
Payee's  former assets  located in  Charleston,  South  Carolina and employed in
connection  with the operation of the Payee's former Business (as defined in the
Maker's and  Payee's  Asset  Purchase  Agreement,  dated  March ___,  2000) (the
"Agreement")  (the  "Assets"),  under a  separate  security  agreement  executed
simultaneous with this Note.

In any litigation or  arbitration in connection  with or to enforce this Note or
any  guaranty  of  this  Note or any  Transaction  Documents,  Borrower  and any
guarantor  irrevocably consent to and confer personal jurisdiction on the courts
of  Charleston  County,  State of South  Carolina  or the United  States  courts
located within the State of South  Carolina,  and expressly waive any objections
as to venue in any such courts, and agree that service of process may be made on
Borrower  and any  guarantor  by mailing a copy of the summons and  complaint by
registered or certified  mail,  return receipt  requested,  to their  respective
addresses.  Nothing contained herein shall, however, prevent Payee from bringing
any action or exercising  any rights within any other state or  jurisdiction  or
from obtaining personal  jurisdiction by any other means available by applicable
law.

ANY  CONTROVERSY OR CLAIM BETWEEN OR AMONG THE PARTIES HERETO  INCLUDING BUT NOT
LIMITED TO THOSE ARISING OUT OF OR RELATING TO THIS NOTE OR ANY RELATED NOTES OR
INSTRUMENTS, INCLUDING ANY CLAIM BASED ON OR ARISING FROM AN ALLEGED TORT, SHALL
BE DETERMINED BY BINDING  ARBITRATION IN ACCORDANCE WITH THE FEDERAL ARBITRATION
ACT (OR IF NOT  APPLICABLE,  THE APPLICABLE  STATE LAW), AND THE "SPECIAL RULES"
SET FORTH  BELOW.  IN THE EVENT OF ANY  INCONSISTENCY,  THE SPECIAL  RULES SHALL
CONTROL.  JUDGMENT UPON ANY ARBITRATION AWARD MAY BE ENTERED IN ANY COURT HAVING
JURISDICTION.  ANY PARTY TO THE NOTE MAY BRING AN ACTION, INCLUDING A SUMMARY OR
EXPEDITED PROCEEDING, TO COMPEL ARBITRATION OF ANY CONTROVERSY OR CLAIM TO WHICH
THIS NOTE APPLIES IN ANY COURT HAVING JURISDICTION OVER SUCH ACTION.

     (A) SPECIAL RULES. THE ARBITRATION SHALL BE CONDUCTED IN CHARLESTON,  SOUTH
CAROLINA  PURSUANT TO THE RULES OF THE  AMERICAN  ARBITRATION  ASSOCIATION.  ALL
ARBITRATION  HEARINGS  WILL  BE  COMMENCED  WITHIN  90 DAYS  OF THE  DEMAND  FOR
ARBITRATION;  FURTHER,  THE ARBITRATOR  SHALL ONLY,  UPON A SHOWING OF CAUSE, BE
PERMITTED TO EXTEND THE COMMENCEMENT OF SUCH HEARING FOR AN ADDITIONAL 60 DAYS.

     (B)  RESERVATION  OF  RIGHTS.  NOTHING  IN THIS NOTE SHALL BE DEEMED TO (I)
LIMIT THE  APPLICABILITY OF ANY OTHERWISE  APPLICABLE  STATUTES OF LIMITATION OR
REPOSE AND ANY WAIVERS  CONTAINED IN THIS NOTE;  OR (II) BE A WAIVER BY PAYEE OF
THE PROTECTION  AFFORDED TO IT BY AN APPLICABLE LAW; OR (III) LIMIT THE RIGHT OF
PAYEE  HERETO (A) TO EXERCISE  SELF HELP  REMEDIES  SUCH AS (BUT NOT LIMITED TO)
SETOFF, OR (B) TO FORECLOSURE AGAINST ANY REAL OR PERSONAL PROPERTY  COLLATERAL,
OR (C) TO OBTAIN FROM A COURT PROVISIONAL OR ANCILLARY REMEDIES SUCH AS (BUT NOT
LIMITED TO)  INJUNCTIVE  RELIEF,  WRIT OF  POSSESSION  OR THE  APPOINTMENT  OF A
RECEIVER.  PAYEE  MAY  EXERCISE  SUCH SELF HELP  RIGHTS,  FORECLOSURE  UPON SUCH
PROPERTY,  OR OBTAIN SUCH PROVISIONAL OR ANCILLARY  REMEDIES  BEFORE,  DURING OR
AFTER THE PENDENCY OF ANY ARBITRATION  PROCEEDING BROUGHT PURSUANT TO THIS NOTE.
NEITHER THE EXERCISE OR SELF HELP REMEDIES NOR THE INSTITUTION OR MAINTENANCE OF
AN ACTION FOR FORECLOSURE OR PROVISIONAL OR ANCILLARY  REMEDIES SHALL CONSTITUTE
A WAIVER OF THE RIGHT OF ANY PARTY,  INCLUDING  THE CLAIMANT IN SUCH ACTION,  TO
ARBITRATE  THE MERITS OF THE  CONTROVERSY  OR CLAIM  OCCASIONING  RESORT TO SUCH
REMEDIES.

                                       3
<PAGE>

     IN WITNESS  WHEREOF,  this Note has been  executed and  delivered as of the
date first set forth above.

                                   LIGHTTOUCH  VEIN & LASER  OF  SOUTH
                                   CAROLINA, INC., A South Carolina Corporation

                                   By: /s/ Harley F. Friedberger
                                      ------------------------------------------
                                   Name: /s/ H. Freiberger
                                   Title: /s/ President

PARENT GUARANTY:

The  undersigned,  as the parent  corporation  of Maker,  hereby  absolutely and
unconditionally  guarantees  to Payee the due and punctual  payment of this Note
when due,  together with any and all other sums,  charges and fees due hereunder
up to Twenty  Thousand and no/100  Dollars  ($20,000.00).  The obligation of the
undersigned guarantor is a guarantee of payment and not of collection.

                                   LIGHTTOUCH VEIN & LASER, INC., a Nevada
                                   corporation

                                   By: /s/ Harley F. Friedberger
                                      ------------------------------------------

                                   Its: /s/ President
                                      ------------------------------------------

                                       4

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