Document:

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                                                                   EXHIBIT 10.12

                                 TRUST DEED NOTE

$226,449.00                                              DATED:  AUGUST 22, 2003

         1. PROMISE TO PAY. For value received, Kirk Fischer and Penge Corp., a
Nevada Corporation (hereinafter individually referred to as "Maker" and
collectively referred to as "Makers") each promise to pay to the order of
Monitor Finance, L.C., a Utah limited liability company as to an undivided 50%
interest and First Capital Funding, L.C., a Utah limited liability company as to
an undivided 50% interest ("Holder"), at 3191 North Canyon Road, Provo, Utah
84604, or at such other place as Holder may from time to time designate, in
lawful money of the United States of America, the principal sum of TWO HUNDRED
TWENTY SIX THOUSAND FOUR HUNDRED FORTY NINE DOLLARS ($226,449.00), or so much of
that sum as may be advanced under this Trust Deed Note by the Holder, together
with any other advances made pursuant to this Trust Deed Note {collectively the
"Principal Indebtedness"), plus interest as computed below along with any other
cost, fee or expenditure contemplated herein (the "Total Indebtedness"). All of
the terms and conditions of that certain Trust Deed, of even date which secures
this obligation are hereby incorporated and made a part of this Trust Deed Note.

         2. TERM. This Trust Deed Note calls for a principal reduction. The
first principal reduction in the amount of $113,000 shall be due January 2,
2004. The balance shall fully mature on February 15, 2004 {the "Maturity Date").

         3. INTEREST. The outstanding balance of the Principal Indebtedness
shall bear interest from August 22, 2003 until fully paid at a fixed interest
rate of eighteen percent (18%) per annum. Interest shall accrue daily on the
outstanding balance of the Principal Indebtedness both before and after
judgment, and shall be calculated on the basis of a 360-day year. Interest is
compounded on a 360-day year simple interest basis by applying the ratio for the
annual interest rate over a year of 360 days (365/360), multiplied by the
outstanding principal balance, multiplied by the actual number of days the
principal balance is outstanding.

         4. PAYMENTS. Interest payments are due on the first of each month
beginning September 1, 2003. This Trust Deed Note calls for a balloon payment to
become due and payable on the Maturity Date. On the Maturity Date the Total
Indebtedness shall be due and payable in full. Checks will constitute payment
only when collected. If any payment (installment or balloon) is not made within
five (5) calendar days of the due date, a late penalty equal to ten percent
(10%) of any such installment/or balloon payment owed hereunder shall
automatically be assessed. There shall be no grace period and no further notice
shall be required. In the event that a payment date falls on a weekend, or
public holiday, payment shall be due and payable the following business day.

                                       1
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         5. ORIGINATION AND DOCUMENT FEES. As part of this transaction, Makers
agree to pay to Holder the amount of $11,300.00 as an origination fee (the
"Origination Fee"). Said Origination Fee shall be due and paid by the Makers on
August 22, 2003. Makers also agree to pay all of the costs incurred in
documenting, recording and closing this transaction (the "Documentation Fee").
Makers agree that both the Origination Fee and Documentation Fee may be
subtracted directly from the principal amount at closing.

         6. HOLDER'S EXPENDITURES. Makers agree to pay on demand any
expenditures made by Holder in accordance with the Trust Deed and this Trust
Deed Note, including, but not limited to, the payment of taxes, insurance
premiums, costs of maintenance and preservation of the collateral, common
expense and other assessments relating to the collateral, and attorney fees and
costs incurred in connection with any matter pertaining hereto or to the
security pledged to secure the Principal Indebtedness or any portion thereof
(collectively the "Holder Expenditures"). At the election of Holder, all Holder
Expenditures may be added to the unpaid balance of this Trust Deed Note and
become a part of and on a parity with the Principal Indebtedness secured by the
Trust Deed and shall accrue interest at such rate as may be computed from time
to time in the manner prescribed in this Trust Deed Note.

         7. PREPAYMENT. Makers shall have the right, from time to time and at
any time, to prepay all, or any part, of this Trust Deed Note at any time or
times prior to the Maturity Date of this note without payment of any premium or
penalty. Prepaid Interest will be pro rated if this Note is paid off early.

         8. DEFAULT. Makers will be in default if any of the following happens:
(a) Makers fail to make any payment when due; (b) any Maker breaks any promise
Maker has made to Holder, or any Maker fails to comply with or to perform when
due any other term, obligation, covenant, or condition contained in this Trust
Deed Note or any agreement related to this Trust Deed Note; (c) any Maker
defaults under any loan, extension of credit security agreement, purchase or
sales agreement, or any other in favor of any other creditor or person that may
materially affect any Maker's property or any Maker's ability to repay this
Trust Deed Note or perform Maker's obligations under this Trust Deed Note or any
of the Related Documents; (d) any representation or statement made or furnished
to Holder by any Maker or on any Maker's behalf is false or misleading in any
material respect either now or at the time made or furnished; (e) any Maker
dissolves (regardless of whether election to continue is made), any member
withdraws from any Maker, any member dies, or any of the members of any Maker
becomes insolvent, a receiver is appointed for any part of any Maker's property,
any Maker makes an assignment for the benefit of creditors, or any proceeding is
commenced either by any Maker or against any Maker under any bankruptcy or
insolvency laws; (f) any creditor tries to take any of any Maker's property on
or in which Holder has a lien or security interest; (g) a material adverse
change occurs in any Maker's financial condition, or Holder believes the
prospect of payment or performance of the Indebtedness is impaired; (h) Holder
in good faith deems itself insecure.

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         9. DEFAULT INTEREST RATE. Notwithstanding anything above to the
contrary, if default occurs in the payment of any principal, interest, fee or
cost, when due, or if any Event of Default occurs hereunder, time being of the
essence hereof, if said default remains uncured for five (5) calendar days,
thereafter, all outstanding Principal Indebtedness shall bear interest at a
default rate of thirty-eight percent (38%) until paid, both before and after
judgment. If this Trust Deed Note becomes in default or payment is accelerated,
Makers agree to pay to the Holder of the Trust Deed Note all collections costs,
including reasonable attorney's fees and legal expenses incurred both before and
after judgment, including any bankruptcy proceeding or appeal, in addition to
all other sums due under this Trust Deed Note.

         10. APPLICATION OF PAYMENTS. Any and all payments by any Maker under
this Trust Deed Note shall be applied as follows: first, to the repayment of any
Holder Expenditures advanced by Holder under this Trust Deed Note; second, to
the payment of any late charges; third, to the payment of accrued interest on
the Principal Indebtedness; and fourth, to the payment of the Principal
Indebtedness.

         11. EXTENSION. The time for any payment required under this Trust Deed
Note may be extended from time to time at the sole discretion of the Holder.
Makers agree to pay to Holder an extension fee in the sum of ten percent (10%)
of the Total Indebtedness then outstanding under this Trust Deed Note (the
"Extension Fee"). The Extension Fee shall be paid to Monitor Finance, L.C., at
3191 North Canyon Road, Provo, Utah 84604. In addition to the Extension Fee,
Makers further agree to pay any and all documentation and recording costs
incurred in the preparation of said extension. Both the Extension Fee and the
extension documentation costs shall be due and payable at the time the extension
is executed. Acceptance by Holder of any additional security or guarantees for
the performance of the terms and provisions contained in this Trust Deed Note
shall not in any way affect the liability of an individual Maker.

         12. GOVERNING LAW. This Trust Deed Note has been delivered to Holder in
the State of Utah. If there is a lawsuit, Makers agree upon Holder's request to
submit to the jurisdiction of the courts of Utah County, the State of Utah. This
Trust Deed Note shall be governed by and construed in accordance with the laws
of the State of Utah.

         13. JOINT AND SEVERAL LIABILITY. In the event this Trust Deed Note is
executed, endorsed, guaranteed or assumed by more than one person, corporation,
or any other entity, all of the parties shall be jointly and severally liable
and do hereby waive presentment, demand, protest and notice of non-payment and
of protest. Furthermore, each of the parties hereto agrees that his, her or its
obligation shall continue in full force and effect notwithstanding the death,
bankruptcy (or commencement thereof), dissolution or release of any other party
and notwithstanding the taking or release of other or additional security and
notwithstanding any waiver, amendment or modification (including, but not
limited to, extensions of time or performance) by the holder of this Trust Deed
Note as to the obligations under this Trust Deed Note or under any other Loan
Document of any of the other parties, with or without notice. Without limiting
the generality of the foregoing, each of the parties to this Trust Deed Note
agree that a separate action or actions may be brought against him, her or it,
whether or not such action is brought against any of the other parties to this
Trust Deed Note.

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         14. INTEREST LIMITATION. All agreements between the parties to this
Trust Deed Note and the Holder of this Trust Deed Note are hereby expressly
limited so that in no contingency or event whatsoever, whether by reason of
deferment or advancement of the proceeds of the loan evidenced by this Trust
Deed Note, acceleration of maturity of the Loan, or otherwise shall the amount
paid or agreed to be paid to Holder for the use, forbearance or detention of the
money to be loaned under this Trust Deed Note exceed the maximum interest rate
permissible under applicable law. If, from any circumstance whatsoever,
fulfillment of any provision of this Trust Deed Note or of any other agreement
between the parties to this Trust Deed Note and the Holder, at the time
performance of such provision shall be due, shall involve transcending the limit
of validity prescribed by law, then, IPSO FACTO, the obligation to be fulfilled
shall be reduced to the limit of such validity. In the event that any payment is
received by the Holder of this Trust Deed Note which would otherwise be deemed
to by a payment of interest in excess of the maximum allowed by law, such
payment shall be deemed to have been paid on account of principal at the time of
receipt. This provision shall never be superseded or waived and shall control
every other provision of the Trust Deed Note and all agreements between the
parties and the holder of this Trust Deed Note.

         15. GENERAL PROVISIONS. Both Holder and Maker acknowledge and agree
that any and all monies provided by Holder to Maker pursuant to the terms hereof
are for a business purpose. Holder may delay or forego enforcing any of its
rights or remedies under this Trust Deed Note without losing them. Upon any
change in the terms of this Trust Deed Note, and unless otherwise expressly
stated in writing, no party who sign this Trust Deed Note, whether as maker,
guarantor, accommodation maker or endorser, shall be released from liability.
All such parties agree that Holder 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 Holder's security interest in the
collateral; and take any other action deemed necessary by Holder without the
consent of or notice to anyone. All such parties also agree that Holder may
modify this Trust Deed Note without the consent of or notice to anyone other
than the party with whom the modification is made.

         DATED this ___22ND____ day of _____AUGUST______________, 2003.

                                                     MAKERS:

                                                     /S/ KIRK FISCHER
                                                     ---------------------------
                                                     Penge Corporation

                                                     By: KIRK FISCHER
                                                     ---------------------------
                                                     Its: CEO
                                                     ---------------------------

                                                     /S/ KIRK FISCHER
                                                     ---------------------------
                                                     Kirk Fischer- Individually

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WHEN RECORDED MAIL TO:

Monitor Finance L.C.
3191 North Canyon Rd
Provo, UT 84604

Escrow No. 104902-MH

                      DEED OF TRUST AND ASSIGNMENT OF RENT

DATE:    AUGUST.22, 2003

TRUSTOR: PENGE CORPORATION, A NEVADA CORPORATION
WHOSE ADDRESS IS:1930 VILLAGE CENTER CIRCLE 3, #445, LAS VEGAS, NV 89134

BENEFICIARY: MONITOR FINANCE L.C. A UTAH LIMITED LIABILITY COMPANY AS TO AN
UNDIVIDED 50% INTEREST AND FIRST CAPITAL FUNDING, L.C., A UTAH LIMITED LIABILITY
COMPANY AS TO AN UNDIVIDED 50% INTEREST
WHOSE ADDRESS IS: 3191 NORTH CANYON ROAD, PROVO, UTAH 84604

TRUSTEE:          FIDELITY NATIONAL TITLE AGENCY INC. AN ARIZONA CORPORATION
                  333 W. WILCOX, SIERRA VISTA, AZ 85635

Property in COCHISE County, State of Arizona, described as:

SEE EXHIBIT ONE ATTACHED HERETO AND MADE A PART HEREOF

Together with all buildings, improvements and fixtures thereon.

THIS DEED OF TRUST, made on the above date between the Trustor, Trustee and
Beneficiary above named;

WITNESSETH: That Trustor irrevocably grants and conveys to Trustee in Trust,
with Power of Sate, the above described real property, together with leases,
rents, issues, profits, or income thereof, (all of which are hereinafter called
"property income") SUBJECT , HOWEVER, to the right , power, and authority
hereinafter given to and conferred upon Beneficiary to collect and apply such
property income; AND SUBJECT TO existing taxes, assessments, liens,
encumbrances, covenants, conditions, restrictions, rights of way, and easements
of record.

FOR THE PURPOSE OF SECURING: A. Performance of each agreement of Trustor herein
contained. B. Payment of the indebtedness evidenced by promissory note or notes
of even date herewith, and any extension or renewal thereof, in the principal
sum of $226,469.00 executed by Trustor in favor of Beneficiary or order. C.
Payment of additional sums and interest thereon which may hereafter be loaned to
Trustor, or his successors or assigns, when evidenced by a promissory note or
notes reciting that they are secured by this Deed of Trust.

                                                INITIALS _____ _____ _____ _____

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TO PROTECT THE SECURITY OF THIS DEED OF TRUST, TRUSTOR AGREES:
(1) To keep said property in good condition and repair; not to remove or
demolish any building thereon; to complete or restore promptly and in good and
workmanlike manner any building which may be constructed, damaged or destroyed
thereon and to pay when due all claims for labor performed and materials
furnished therefor; to comply with all laws affecting said property or requiring
any alterations or improvements to be made thereon; not to commit or permit
waste thereof; not to commit, suffer or permit any act upon said property in
violation of law; and do all other acts which from the character or use of said
property may be reasonably necessary, the specific enumerations herein not
excluding the general.
(2) To provide, maintain and deliver to Beneficiary fire insurance satisfactory
to and with loss payable to Beneficiary. The amount collected under any fire or
other insurance policy may be applied by Beneficiary upon any indebtedness
secured hereby and in such order as Beneficiary may determine, or at option of
Beneficiary the entire amount so collected or any part thereof may be released
to Trustor. Such application or release shall not cure or waive any default or
notice of Trustee's sale hereunder or invalidate any act done pursuant to such
notice.
(3) To appear in and defend any action or proceeding purporting to affect the
security hereof or the rights or powers of Beneficiary or Trustee; including
cost of evidence of title and attorney's fees in a reasonable sum, in any such
action or proceeding in which Beneficiary or Trustee may appear, and in any suit
brought by Beneficiary to foreclose this Deed of Trust.
(4) To pay before delinquent, all taxes and assessments affecting said property,
when due, all encumbrances, charges and liens, with interest, on said property
or any part thereof, which appear to be prior or superior hereto; all costs,
fees and expenses of this Trust, including, without limiting the generality of
the foregoing, the fees of Trustee for issuance of any Deed of Partial Release
and Partial Reconveyance or Deed of Release and Full Reconveyance, and all
lawful charges, costs, and expenses in the event of reinstatement of, following
default in, this Deed of Trust or obligations secured hereby .
     Should Trustor fail to make any payment or to do any act as herein
provided, then Beneficiary or Trustee, but without obligation so to do and
without notice to or demand upon Trustor and without releasing Trustor from any
obligation hereof, Beneficiary or Trustee being authorized to enter upon said
property for such purposes; appear in and defend any action or proceeding
purporting to affect the security hereof or the rights or powers of Beneficiary
or Trustee; pay, purchase, contest or compromise any encumbrance, charge or lien
which in the judgment of either appears to be prior or superior hereto; and, in
exercising any such powers, pay necessary expenses, employ counsel and pay his
reasonable fees.
(5) To pay immediately and without demand all sums so expended by Beneficiary or
Trustee pursuant to the provisions hereof, together with interest from date of
expenditure at the same rate as is provided for in the note secured by this Deed
of Trust or at the highest legal rate, whichever be the greater rate. Any
amounts so paid by Beneficiary or Trustee shall become a part of the debt
secured by this Deed of Trust and a lien on said premises or immediately due and
payable at option of Beneficiary or Trustee.

IT IS MUTUALLY AGREED:
(6) That any award of damages in connection with any condemnation or any such
taking, or for injury to the property by reason of public use, or for damages
for private trespass or injury thereto, is assigned and shall be paid to
Beneficiary as further security for all obligations secured hereby (reserving
unto the Trustor, however, the right to sue therefor and the ownership thereof
subject to this Deed of Trust), and upon receipt of such moneys, Beneficiary may
hold the same as such further security, or apply or release the same in the same
manner and with the same effect as above provided for disposition of proceeds of
fire or other insurance.
(7) That time is of the essence of this Deed of Trust, and that by accepting
payment of any sum secured hereby after its due date, Beneficiary does not waive
his right either to require prompt payment when due of all other sums so secured
or to declare default for failure so to pay.

                                                INITIALS _____ _____ _____ _____

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(8) That at any time or from time to time, without notice, upon written request
of Beneficiary and presentation of this Deed of Trust and said note(s) for
endorsement, and without liability therefor, and without affecting the personal
liability of any person for payment of the indebtedness secured hereby, and
without affecting the security hereof for the full amount secured hereby on all
property remaining subject hereto, and without the necessity that any sum
representing the value or any portion thereof of the property affected by the
Trustee's action be credited on the indebtedness, the Trustee may: (a) release
and reconvey all or any part of said property; (b) consent to the making and
recording, or either, of any map or plat of the property or any part thereof;.
(c) join in granting any easement thereon; (d) join in or consent to any
extension agreement or any agreement subordinating the lien, encumbrance, or
charge hereof.
(9) That upon written request of Beneficiary stating that all sums secured
hereby have been paid, and upon surrender of this Deed of Trust and said note(s)
to Trustee for cancellation and retention, and upon payment of its fees, Trustee
shall release and reconvey, without covenant of warranty, express or implied,
the property then held hereunder. The recitals in such reconveyance of any
matters or facts shall be conclusive proof of the truthfulness thereof. The
Grantee in such reconveyance may be described as "the person or persons legally
entitled thereto.
(10) That as additional security, Trustor hereby gives to and confers upon
Beneficiary the right, power and authority, during the continuance of this
Trust, to collect the property income, reserving unto Trustor the right, prior
to any default by Trustor in payment of any indebtedness secured hereby or in
performance of any agreement hereunder, to collect and retain such property
income as it becomes due and payable. Upon any such default, Beneficiary may at
any time without notice, either in person, by agent, or by a receiver to be
appointed by a court, and without regard to the adequacy of any security for the
indebtedness hereby secured, enter upon and take possession of said property or
any part thereof, in his own name sue for or otherwise collect such property
income, including that past due and unpaid, and apply the same, less costs and
expenses of operation and collection, including reasonable attorney's fees, upon
any indebtedness secured hereby, and in such order as Beneficiary may determine.
The entering upon and taking possession of said property, the collection of such
property income, and the application thereof as aforesaid, shall not cure or
waive any default or notice of Trustee's sale hereunder or invalidate any act
done pursuant to such notice.
(11) That upon default by Trustor in payment of any indebtedness secured hereby
or in performance of any agreement hereunder, Beneficiary may declare all sums
secured hereby immediately due and payable by delivery to Trustee of written
declaration of default and demand for sale and of written notice thereof,
setting forth the nature thereof, and of the election to cause to be sold said
property, under this Deed of Trust.
     Beneficiary also shall deposit with Trustee this Deed of Trust, said
note(s) and all documents evidencing expenditures secured hereby.
     Trustee shall record and give notice of Trustee's sale in the manner
required by law, and after the lapse of such time as may be required by law,
Trustee shall sell, in the manner required by law, said property at public
auction at the time and place fixed by it in said notice of Trustee's sale to
the highest bidder for cash of lawful money of the United States, payable at
time of sale. Trustee may postpone or continue the sale by giving notice of
postponement or continuance by public declaration at the time and place last
appointed for the sale. Trustee shall deliver to such purchaser its Deed
conveying the property so sold, but without any covenant or warranty, expressed
or implied. Any person, including Trustor, Trustee, or Beneficiary may purchase
at such sale.
     After deducting all costs, fees and expenses of Trustee and of this Trust,
including cost of evidence of title in connection with sale and reasonable
attorney's, Trustee shall apply the proceeds of sale to payment of: All sums
then secured hereby and all other sums due under the terms hereof. To the extent
permitted by law, an action be maintained by Beneficiary to recover a deficiency
judgment for any balance due hereunder.
     In lieu of sale pursuant to the power of sale conferred hereby, This Deed
of Trust may be foreclosed in the same manner provided by law for the
foreclosure of mortgages on real property. Beneficiary shall also have all other
rights and remedies available to it hereunder at law or in equity. All rights
and remedies shall be cumulative.
(12) That Beneficiary may appoint a successor Trustee in the manner prescribed
by law. A successor Trustee herein shall, without conveyance from the
predecessor Trustee, succeed to all the predecessor's title, estate, rights,
powers and duties. Trustee may resign by mailing or delivering notice thereof to
Beneficiary and Trustor.

                                                INITIALS _____ _____ _____ _____

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(13) That this Deed applies to, inures to the benefit of, and binds all parties
hereto, their heirs, legatees, devisees, administrators, executors, successors
and assigns. The term Beneficiary shall mean the owner and holder of the note(s)
secured hereby, whether or not named as Beneficiary herein. In this Deed of
Trust, whenever the context so requires, the masculine gender includes the
feminine and neuter, and the singular number includes the plural.

(14) That Trustee accepts this Trust when this Deed of Trust, duly executed and
acknowledged, is made a public record as provided by law. Trustee is not
obligated to notify any party hereto of pending sale under any other Deed of
Trust or of any action or proceeding in which Trustor, Beneficiary or Trustee
shall be a party unless brought by Trustee.
     The undersigned Trustor requests that a copy of any notice of Trustee's
sale hereunder be mailed to him at his address hereinbefore set forth.

Penge Corporation, a Arizona corporation

By:/S/ KIRK FISCHER
   ------------------------
    Kirk Fischer, CEO

STATE OF NEVADA
COUNTY OF   CLARK
          -----------

This instrument was acknowledged before me the __________22ND________ day of
_AUGUST, 2002____________ by Kirk Fischer, as CEO of Penge Corporation
________________________________________________________________________________

________________________________________________________________________________

 /S/ SIGNATURE ILLEGIBLE
--------------------------------
NOTARY PUBLIC
NOTARY EXPIRATION DATE:
ESCROW NO.  104902-MH
TITLE ORDER NO.  00104902

                                   EXHIBIT ONE

Parcel I:

The North half of Section 34, Township 18 South, Range 26 East of the Gila and
Salt River Base and Meridian, Cochise County, Arizona,
EXCEPT the North half of the North half of the North half of the North half,
thereof, and

EXCEPT that portion described as follows:

Commencing at the Northwest corner of said Section 34;
Thence South 00 degrees, 03 minutes, 00 seconds West, 430.00 feet, along the
West line of said Section 34 to the POINT OF BEGINNING;
Thence continuing South 00 degrees, 03 minutes, 00 seconds West, along the West
line of said Section 34'a distance of 430.00 feet;
Thence South 89 degrees, 55 minutes, 22 seconds East, a distance of 750.00 feet;
Thence North 00 degrees, 03 minutes, 80 seconds East, parallel to the West line
of said Section 34, a distance of 430.00 feet;
Thence North 89 degrees, 55 minutes, 22 seconds West, a distance of 750.00 feet
to the POINT OF BEGINNING.

                                       8
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                   MODIFICATION & EXTENSION OF TRUST DEED NOTE

         On August 22, 2003, Penge Corporation and Kirk Fischer executed a Note
and Trust Deed in favor of Monitor Finance, L.C. and First Capital Funding, L.C.
in the amount of $226,469.00. the trust Deed was recorded on August 22, 2003 as
Entry No. 030829929 in the records of the Cochise County Recorder. The Trust
Deed encumbered the real property described on the attached Exhibit "A." Penge
Corporation and Kirk Fischer hereby acknowledge that the current balance owing
is $115,129.33.

The parties hereby modify said Trust Deed Note as follows:

"The loan amount is amended to be $250,000.00"
"The interest rate shall be amended as of 3/1/04 to 14% APR"
"The balloon date is amended as follows: $125,000 shall be due on or before
1/5/05. The balance shall be due on or before 3/1/05."
"A fee of $25,000.00 shall be charged for said extension"
"the Fischer loan, with a balance owing of $55,887.32 as of 3/1/04, shall be
combined with this loan."

The parties acknowledge that the same terms and conditions of the original Note
and Trust Deed will apply to the amended amount.

Date: March 1, 2004

  /S/ KIRK FISCHER
-----------------------------
Kirk Fischer

  /S/ KIRK FISCHER
-----------------------------
Penge Corporation
By:   KIRK FISCHER
    -------------------------
Its:    CEO
      -----------------------

  /S/ MILES C. PITCHER
-----------------------------
Monitor Finance, L.C.
By: Miles C. Pitcher
Its: Co-Operating Manager

  /S / DEREK OLLIVIER
-----------------------------
First Capital Funding, L.C.
By: Derek Ollivier
Its: Member

                                       9<PAGE>
EXHIBIT 10.13

                                   EXHIBIT E1

                                 PROMISSORY NOTE
                                 ---------------

$200,000.00                                              Cochise County, Arizona
                                                              September 27, 2002

         FOR VALUE RECEIVED, Penge Corporation, a Nevada Corporation located at
1930 Village Center Circle 3, Suite 446, Las Vegas, NV 89134 (hereinafter
"Maker"), promises to pay Steven Sutherland, (Holder), at 5120 N. Indian Horse
Trail, Tucson, Arizona, or at such other place as Holder may from time to time
designate in writing, in lawful money of the United States of America, the
principal sum of Two Hundred Thousand and No/100 Dollars ($200,000.00), together
with interest on the principal outstanding from time to time (the "Principal
Balance") from the date of this promissory note (this "Note") until paid, at the
rate of seven percent (7%) per annum, compounded monthly. Payments shall be
payable as follows:

         a.       Fifty Thousand Dollars and 00/100 ($50,000) principle and
                  interest due on March 1, 2003.

         b.       Fifty Thousand Dollars and 00/100 ($50,000) principle and
                  interest due on March 1, 2004.

         c.       Fifty Thousand Dollars and 00/100 ($50,000) principle and
                  interest due on March 1, 2005.

         d.       Fifty Thousand Dollars and 00/100 ($50,000) principle and
                  interest due on March 1, 2006.

         e.       Entire balance of principle and interest shall be due on March
                  1, 2007.

         Any payments hereunder shall be credited first to interest then due,
and the remainder to principal. Prepayments of principal, in whole or in part,
may be made at any time, without penalty of kind, nature or amount.

         Maker is providing this Note to Holder pursuant to the terms of a
Purchase Agreement, Receipt and Escrow Instructions dated August 14, 2002 in
which Maker is the "Buyer" and Holder is the "Seller" (the "Escrow Agreement"),
and such other documents referenced in the Escrow Agreement, which Agreements
are collectively referred to as the "Purchase Agreements".

         This Note is secured by the assets shown in Schedule E1 (the "Security
Document") wherein Maker is the "Debtor" and Holder is the "Secured Party,"
pertaining to those certain assets, rights and property described therein. All
agreements, conditions, covenants, provisions and stipulations contained in the
Security Document which are to be kept and performed in favor of the Holder

<PAGE>

and/or the Secured Party are hereby made a part of this Note, fully and
completely, to the same extent and with the same force and effect as if they
were fully set forth herein, and Maker covenants and agrees to keep and perform
them or cause them to be kept and performed strictly in accordance with their
terms.

         If any installment payment due under this Note is not paid within
fifteen (15) days of its due date and after Maker's receipt of a notice of
nonpayment, then the Maker shall pay to the Holder a late charge equal to five
percent (5%) of the amount so due. In addition to the late charge, any payment
due Holder which is more than thirty (30) days past due shall be subject to a
default interest rate of fifteen percent (15%). Holder may accelerate this note
making all principal, interest and other charges immediately due and payable if
Maker is more than thirty (30) days late in making payment and Holder provides
Maker with written notice of such acceleration ten (10) business days prior to
such acceleration taking effect, and any amounts then due under the Note are not
paid within said ten (10) business day period.

         This Note shall be governed and construed according to the laws of the
State of Arizona.

         Any instruction by Holder to Maker purporting to change the place of
payment must be signed by all Holders to be effective.

                             MAKER'S RIGHT OF OFFSET

         In the event that, after closing of the transactions contemplated in
any or all of the Purchase Agreements, any claims are submitted against the
business, assets, property or stock which are the subject of any or all of the
Purchase Agreements by creditors, taxing authorities, auditors, or any other
person, arising out of obligations incurred by any Holder, all Holders
collectively, or any of the Holder's businesses, assets or stock which is the
subject of the Purchase Agreements, Maker shall have the right to pay such debts
or claims and offset from any amounts due under this Note the amount so paid,
pursuant to the following procedure:

         Maker shall send a copy of any bill, invoice or claim to Holders by
certified mail together with a demand for the Holders, or the applicable Holder,
within fifteen (15) days of the date of the certified delivery date, to prove
that such debt, invoice or claim has been paid in full, or to deliver to Maker a
cashier's check payable to the appropriate creditor in the full amount of the
debt, invoice or claim. In the event Holders fail to either provide evidence of
payment or provide a cashier's check for payment within the fifteen (15) day
period set forth above, then Maker shall have the right to pay such debt,
invoice or claim and deduct such amount from payments due under this Note. Maker
shall reasonably cooperate with Holders where applicable in resolving any
disputed claims. Should any disputed claims be resolved to the benefit of the
Holder, or the applicable Holder, after the Maker has exercised the right of
offset contained herein, and the Maker has received payment for such resolved
claim, then Maker agrees to promptly reimburse Holder, or the applicable Holder,
for the amount of the payment received by Maker. This Right Of Offset is
specifically for the failure of the Seller to have paid all outstanding debts
against the Business and for no other reason.

                                       2
<PAGE>

         The prevailing party in any action or arbitration arising out of the
terms of this Note shall be entitled to an award of reasonable attorney's fees,
court costs, litigation costs and expenses, and expert witness fees and costs.

MAKER:
Penge Corporation

X  /s/ Kirk Fischer                          Date:  9-27-02
 -----------------------------------              --------------------------
Kirk Fischer, President

X  /s/ Jim Fischer                           Date:  9-27-02
 -----------------------------------              --------------------------
Jim Fischer, Vice President

HOLDER:

X  /s/ Steven Sutherland                     Date:  9-27-02
 -----------------------------------              --------------------------
Steven Sutherland

                                       3
<PAGE>

                                   SCHEDULE E1
                                       TO
                                 PROMISSORY NOTE

                       SECURED ASSETS, RIGHTS AND PROPERTY

All outstanding shares of Major Trees, Inc. stock
Name: Arizona Goldwater Pine
Name: Texas Lone Star Pine
Name: Las Vegas Blue Pine
Customer list of Major Trees Inc.
All financial books and records of the business.
All original equipment and furniture transferred in sale.
Phone Number: 520-749-6428

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