Document:

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Exhibit 10.38

                     THIRD AMENDMENT TO AMENDED AND RESTATED
                           REVOLVING CREDIT AGREEMENT

         THIS THIRD AMENDMENT TO AMENDED AND RESTATED REVOLVING CREDIT AGREEMENT
("Amendment") is made and entered into effective as of July 31, 1999 in
Columbus, Ohio, by and among WESTAR AUTO FINANCE, L.L.C., a Washington limited
liability company, as borrower (the "Company"), BANK ONE, NA, a national banking
association, as lender (the "Lender"), and ROBERT W. CHRISTENSEN, JR., an
individual, as indemnitor (the "Indemnitor").

                                    RECITALS

         The following recitals are representations with respect to certain
factual matters that form the basis of this Amendment and are an integral part
of this Amendment.

         A. The Lender agreed to loan to the Company the maximum sum of
$25,000,000.00 (the "Revolving Credit Commitment") pursuant to the terms and
conditions of a certain Amended and Restated Revolving Credit Agreement dated as
of July 22, 1997 by and between the Company and the Lender (the "Restated
Revolving Credit Agreement"). Certain capitalized terms which are not otherwise
defined herein shall have the meanings ascribed to them in the Restated
Revolving Credit Agreement;

         B. To evidence the Company's borrowings from time to time under the
Revolving Credit Commitment (collectively, the "Revolving Credit Loans"), the
Company executed a certain Amended and Restated Revolving Credit Note dated July
22, 1997 (the "Restated Note"), whereby the Company promised to pay to the order
of the Lender, on or before July 12, 1998, the Revolving Credit Loans, together
with interest as set forth in the Restated Revolving Credit Agreement;

         C. To secure the Restated Revolving Credit Agreement and the Restated
Note, the Lender and the Company entered into a certain Amended and Restated
Company Security Agreement dated as of July 22, 1997 (the "Restated Security
Agreement");

         D. In further consideration of the Lender entering into the Restated
Revolving Credit Agreement, the Indemnitor agreed, by a certain Amended and
Restated Validity Agreement dated as of July 22, 1997, to indemnify the Lender
as set forth therein (the "Restated Validity Agreement");

         E. In further consideration of the Lender entering into the Restated
Revolving Credit Agreement, the Lender and the Company entered into a certain
Amended and Restated Agreement with Respect to Prevention and Resolution of
Disputes dated as of July 22, 1997 (the "Restated Dispute Resolution
Agreement");

         F. The Company, the Lender and the Indemnitor, pursuant to the terms of
a certain First Amendment to Restated Revolving Credit Agreement (the "First
Amendment"), amended the Restated Revolving Credit Agreement, the Restated Note
and the other Loan Documents effective as of June 25, 1998 to increase the
maximum amount of the Revolving Credit Commitment from $25,000,000 to
$26,000,000.

         G. The Company, the Lender and the Indemnitor, pursuant to the terms of
a certain Second Amendment to Restated Revolving Credit Agreement (the "Second
Amendment"), further amended the Restated Revolving Credit Agreement, the
Restated Note and the other Loan Documents effective as of July 22, 1998 to,
among other things, decrease the maximum amount of the Revolving Credit
Commitment from $26,000,000 to $15,000,000 and extend the maturity date of the
Restated Note from July 12, 1998 until July 31, 1999.

         H. The Lender is still the holder and beneficiary of the Restated
Revolving Credit Agreement as amended by the First Amendment and the Second
Amendment (as so amended, the "Restated Revolving Credit Agreement"), Restated
Note, Restated Security Agreement, Restated Validity Agreement and Restated
Dispute Resolution Agreement (such documents, together with all other documents
related thereto, are hereinafter collectively referred to as the "Loan
Documents"); and

         I, The Company, the Lender and the Indemnitor desire to amend the
Revolving Credit Agreement, the Restated Note and the other Loan Documents to
extend the maturity of the Restated Note from July 31, 1999 to September 30,
2000, subject to the terms and conditions of this Agreement.

                                    AGREEMENT

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         NOW, THEREFORE, in consideration of the agreement and undertakings of
Borrowers and Lender to amend the Loan Documents, and for other valuable
consideration, the receipt and sufficiency of which are hereby acknowledged, the
parties agree as follows:

         1.       All terms and conditions of the Restated Revolving Credit
Agreement shall remain in full force and effect without change except as
follows:

                  (a)      Paragraph L of the Recitals on page 3 of the Restated
         Revolving Credit Agreement is hereby amended by replacing "$15,000,000"
         with "$15,000,000 (which amount is subject to being decreased to
         $10,000,000 or increased to $25,000,000, upon the occurrence of certain
         events)."

                  (b)      The first paragraph Section 2.1 of the Restated
         Revolving Credit Agreement is hereby amended by (i) replacing "Fifteen
         Million Dollars ($15,000,000)" with "Fifteen Million Dollars
         ($15,000,000) (which amount is subject to being decreased to
         $10,000,000 or increased to $25,000,000, upon the occurrence of certain
         events)", (ii) replacing "July 31, 1999" with "September 30, 2000", and
         (iii) adding the following to the end of such paragraph:

                           "Notwithstanding the foregoing to the contrary:

                                    (i) if during the period commencing on
                  November 1, 1999 and ending on December 31, 1999 the Borrower
                  does not receive at least Ten Million Dollars ($10,000,000) of
                  additional capital in the form of Subordinated Indebtedness
                  (defined below) or preferred stock, the terms of which shall
                  have been approved in advance in writing by Lender, then the
                  Increased Revolving Credit Commitment shall be decreased to
                  Ten Million Dollars ($10,000,000) effective as of January 1,
                  2000; and

                                    (ii) if during the period commencing on
                  November 1, 1999 and ending on December 31, 1999 the Borrower
                  receives Ten Million Dollars ($10,000,000) or more of
                  additional capital in the form of Subordinated Indebtedness or
                  preferred stock, the terms of which shall have been approved
                  in advance in writing by Lender, then the Increased Revolving
                  Credit Commitment shall be increased to Twenty-Five Million
                  Dollars ($25,000,000) effective as of January 1, 2000.

                           As used herein, `Subordinated Indebtedness' means all
                  of the unsecured Indebtedness of Borrower which is
                  subordinated to all Indebtedness now or hereafter owed by
                  Borrower to Lender on specific terms and conditions
                  satisfactory to and approved in writing by Lender."

                  (c)      Section 2.2(a) of the Restated Revolving Credit
         Agreement is hereby amended by replacing "July 31, 1999" with
         "September 30, 2000."

         2.       All terms and conditions of the Restated Note shall remain in
full force and effect without change except as follows:

                  (a)      The heading of the Restated Note is hereby amended by
         replacing "$15,000,000" with "$25,000,000."

                  (b)      The first paragraph of the Restated Note is hereby
         amended by replacing "Fifteen Million Dollars ($15,000,000)" with
         "Twenty-Five Million Dollars ($25,000,000)" and by replacing "July 31,
         1999" with "September 30, 2000."

         3.       All terms and conditions of the Restated Security Agreement
shall remain in full force and effect without change except paragraph A of the
recitals of the Restated Security Agreement is hereby amended by replacing
"$15,000,000" with "$15,000,000 (which amount is subject to being decreased to
$10,000,000 or increased to $25,000,000, upon the occurrence of certain
events)."

         4.       All terms and conditions of the Restated Validity Agreement
shall remain in full force and effect without change except that paragraph A of
the recitals to such agreement is hereby amended by replacing

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"$15,000,000" with "$15,000,000 (which amount is subject to being decreased to
$10,000,000 or increased to $25,000,000, upon the occurrence of certain
events)."

         5.       The Company hereby represents and warrants that it is in full
compliance with all terms, conditions, covenants, agreements, stipulations,
representations and warranties under the Loan Documents and the Company hereby
reaffirms the same as of the date hereof.

         6.       The Company and the Indemnitor each covenant to perform and
observe all covenants, agreements, stipulations and conditions on it or his
respective part to be performed under the Loan Documents.

         7.       Except as specifically modified herein, the Loan Documents
shall remain in full force and effect in all respects according to their
original terms, covenants and conditions as security for the unpaid balance of
the indebtedness and interest thereon evidenced by the Restated Revolving Credit
Agreement and the Restated Note, and nothing in this Amendment shall affect or
impair any rights and powers which Lender may have thereunder.

         8.       The Company shall pay or cause to be paid and save Lender
harmless against liability for the payment of all reasonable out-of-pocket
expenses, including counsel fees and disbursements, incurred or paid by Lender
in connection with the negotiation, development, preparation, execution and
performance of this Amendment.

         9.       This Amendment may be simultaneously executed in several
counterparts, each of which shall be an original and all of which shall
constitute but one and the same instrument.

         10.      This Amendment is binding upon, and shall inure to the benefit
of, the parties hereto and their respective heirs, successors and assigns;
provided, however, that neither the Company nor the Indemnitor may assign or
transfer their respective rights or duties under this Amendment or the Loan
Documents without the prior written consent of Lender.

         IN WITNESS WHEREOF, the parties hereto have executed this Amendment as
of the date first above written.

LENDER:                                         INDEMNITOR:

BANK ONE, N.A.

By:
         Robert N. Kent, Jr.                    ROBERT W. CHRISTENSEN, JR.,
                                                individually

COMPANY:

WESTAR AUTO FINANCE, L.L.C.,
  a Washington limited liability company

         By WESTAR AUTO HOLDING CO.,
           a Washington Corporation, Manager

            By:
                  Robert W. Christensen, Jr.
                  President

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Exhibit 10.39

                            COGNOVIT PROMISSORY NOTE
U.S. $1,200,000.00                                              January __, 2000

         FOR VALUE RECEIVED, the undersigned, WESTAR FINANCIAL SERVICES
INCORPORATED, a Washington corporation ("Maker"), hereby promises to pay to the
order of NAVIDEC, INC., a Colorado corporation ("Payee"), the principal sum of
One Million Two Hundred Thousand Dollars and no Cents ($1,200,000.00), plus
interest at a rate of six percent (6%) per annum, payable in accordance with the
terms and conditions set forth herein.

         1.       Payment.

                  (a)      The principal amount of this Note, together with all
         interest accrued thereon, shall be due and payable on March 31, 2000.
         Interest shall be calculated on the basis of a 365- day year, based on
         the actual number of days the principal amount of this Note is
         outstanding.

                  (b)      In the event Maker defaults in the payment of the
         amount evidenced by this Note, Payee may, at its discretion, reset the
         rate of interest hereunder to ten percent (10%) per annum until such
         time as the installment is paid in full.

                  (c)      Payment shall be made at the Payee's principal place
         of business, or such other place as the Payee shall have last
         designated to the Maker in writing.

         2.       Prepayment. Maker may prepay this Note in whole or part at any
time, or from time to time, without premium or penalty.

         3.       Application of Payments. All payments at any time received by
Payee hereunder shall be applied first to the payment in full of any costs
incurred in the collection of any sum due under this Note, including but not
limited to reasonable attorneys' fees, then to the payment in full of the
accrued unpaid interest and finally to the reduction of the unpaid principal
balance of this Note.

         4.       Default. The entire unpaid principal of this Note, together
with the interest accrued thereon, shall, at the option of Payee, become
immediately due and payable in full to Payee upon the occurrence of any of the
following events:

                  (a)      Maker fails to make payment of this Note in full on
         the date due and payable; or

                  (b)      Maker pursuant to or within the meaning of any
         Bankruptcy Law (as defined below)

                           (i)      commences a voluntary case,

                           (ii)     consents to the entry of an order for relief
                  against it in an involuntary case,

                           (iii)    consents to the appointment of a Custodian
                  of it or for all or substantially all of its property,

                           (iv)     makes a general assignment for the benefit
                  of its creditors; or

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                  (c)      A court of competent jurisdiction enters an order or
         decree (which order or decree remains unstayed and in effect for 90
         days) under any Bankruptcy Law that:

                           (i)      is an order for relief against Maker in an
                  involuntary case, or

                           (ii)     appoints a Custodian of Maker or for all or
                  substantially all of his or its property; or

                  (d)      Any material portion of Maker's assets is attached,
         seized, subjected to a writ or distress warrant, or is levied upon, or
         comes into the possession of any judicial officer.

         The term "Bankruptcy Law" means Title 7, 11 or 13, U.S. Code or any
similar Federal or State law for the relief of debtors. The term "Custodian"
means any receiver, trustee, assignee, liquidator or similar official under any
Bankruptcy Law.

         5.       Severability. In the event that any one or more provisions of
this Note are unenforceable or invalid under any federal, state or other
applicable law, such unenforceability or invalidity shall not render any other
of the provisions hereof unenforceable or invalid, but in any such event this
Note shall be construed in all respects as if such unenforceable or invalid
provisions were omitted herefrom.

         6.       Collection. If this Note is placed in the hands of an attorney
for collection, or is collected through any court, including any bankruptcy
court, Maker shall pay to Payee reasonable attorneys' fees, courts costs and all
other costs and expenses incurred in collecting, or attempting to collect, this
Note, to the extent the same is legally allowed by law. The failure of Payee to
exercise any right or remedy hereunder shall not be construed as a waiver of the
right to exercise the same or any other right or remedy at any other time.

         7.       Notice. Any notice required by any provision hereof shall be
deemed to have been given upon being placed in the United States mail sent
registered or certified mail, return receipt requested, postage prepaid, to the
recipient's principal place of business or such other address as may be
designated in writing by Payee or Maker, as the case may be.

         8.       Binding Effect. This Note shall be binding upon Maker and its
successors and assigns.

         9.       Governing Law. This Note shall be governed and construed in
accordance with the laws of the State of Washington.

         10.      Confession of Judgment. The Maker authorizes any
attorney-at-law at any time or times after the maturity hereof to appear in any
state or federal court of record in the United States of America, to waive the
issuance and service of process, to admit the maturity of this Note and the
nonpayment thereof when due, to confess judgment against the undersigned in
favor of the holder of this Note for the amount then appearing due, together
with interest and costs of suit, and thereupon to release all errors and to
waive all rights of appeal and stay of execution. The foregoing warrant of
attorney shall survive any judgment, and if any judgment be vacated for any
reason, the holder hereof nevertheless may thereafter use the foregoing warrant
of attorney to obtain an additional judgment or judgments against the
undersigned.

                                     WESTAR FINANCIAL SERVICES INCORPORATED

                                     _______________________________  By:
                                     Its:

         The undersigned, R.W. Christensen, Jr., hereby guarantees payment of
the foregoing Cognovit Promissory Note.

                                                     ---------------------------
                                                     R.W. Christensen, Jr.

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