Document:

Exhibit 10.8

                                 PROMISSORY NOTE

June 4, 2001                                                         $504,880.00

         CapSource Financial, Inc., a Colorado corporation (the "Company"),
hereby promises to pay to Randolph M. Pentel ("Holder") or his assigns the
principal amount of Five Hundred Four Thousand Eight Hundred Eighty and No/100
Dollars ($504,880.00), together with interest thereon calculated from the date
hereof in accordance with the provisions of this Note.

         1. Interest Rate/Payment of Interest. Interest shall accrue from June
4, 2001, at a rate equal of Twelve percent (12%). Accrued interest shall be paid
at maturity.

         2. Payment of Principal. The principal is due and payable upon demand.
The Company may, at any time and from time to time without premium or penalty,
prepay all or a portion of the outstanding principal of this Note. Prepayments
of principal shall be applied as directed by the Company.

         3. Restrictions on Payment. Notwithstanding anything in this Note to
the contrary, the obligations of the Company in respect of the principal,
interest, fees, charges and other amounts on this Note, and all rights and
remedies of the Holder under this Note, shall be senior in right of payment to
all other indebtedness of the Company.

         4. Cancellation. After all principal and accrued interest at any time
owed on this Note has been paid in full, this Note shall be surrendered to the
Company for cancellation and shall not be reissued.

         5. Place of Payment, Notices. Payments of principal and interest and
any notice hereunder are to be delivered to the Holder at the following address:

                           Randolph M. Pentel
                           815 Deer Trail Court
                           St. Paul, Minnesota 55118

         Notices shall be deemed received when delivered personally, or one day
after being sent by Federal Express or other overnight carrier, or five days
after being sent by certified or registered mail.

         6. Governing Law. The validity, construction, and interpretation of
this Note will be governed by the internal laws, and not the laws of conflicts,
of the State of Minnesota.

         IN WITNESS WHEREOF, the Company has executed and delivered this Note on
the date first above written.

                                        CapSource Financial, Inc.

                                        ------------------------------------
                                        By:    Fred Boethling
                                        Title: President

<PAGE>

                 ADDENDUM TO PROMISSORY NOTE DATED JUNE 4, 2001

         Section 2 of the Promissory Note dated June 4, 2001 between Randolph M.
Pentel and CapSource Financial, Inc. is hereby amended and modified to read as
follows:

                  2. Payment of Principal. The principal is due and payable upon
                  demand of the Holder but in no case shall the note remain
                  outstanding after June 4, 2002 which shall be the final
                  maturity date. The Company may, at any time and from time to
                  time without premium or penalty, prepay all or a portion of
                  the outstanding principal of this Note. Prepayments shall be
                  applied to the Note as directed by the Company.

         IN WITNESS WHEREOF, with the full intention of modifying that certain
Promissory Note dated June 4, 2001, the parties have executed this Addendum.

Date of Addendum: June 30, 2001
                  -------------

COMPANY:                                    HOLDER:
CapSource Financial, Inc.                   Randolph M. Pentel

------------------------------------        ------------------------------------
By:  Steven E. Reichert                     Randolph M. Pentel
Its: Vice President

                                       2
<PAGE>

              SECOND ADDENDUM TO PROMISSORY NOTE DATED JUNE 4, 2001

         The Addendum to the Promissory Note dated June 30, 2001 and the
Promissory Note dated June 4, 2001 is hereby amended and modified as follows:

                  2. Payment of Principal. The principal of the Note dated June
                  4, 2001 is due and payable on December 31, 2003. The Company
                  may at any time and from time to time without premium or
                  penalty repay all or any portion of this Note. Payments
                  Payments shall be applied to the Note as directed by the
                  Company.

         IN WITNESS WHEREOF, with the full intention of modifying that certain
Promissory Note dated June 4, 2001, and the Addendum dated June 30, 2001, the
parties have executed this Addendum.

Date of Addendum: December 31, 2001
                  -----------------

COMPANY:                                    HOLDER:
CapSource Financial, Inc.                   Randolph M. Pentel

------------------------------------        ------------------------------------
By:  Steven E. Reichert                     Randolph M. Pentel
Its: Vice President

                                       3Exhibit 10.9

                           CONVERTIBLE PROMISSORY NOTE

                                                               December 31, 2001

         1. Line of Credit. Randolph M. Pentel, an individual resident in
Minnesota, ("Holder") hereby commits and agrees to loan to CapSource Financial,
Inc. a Colorado corporation, ("CapSource") from time to time ("Draw Down") and
on the terms and conditions set forth below an amount of money to be determined
by Holder, ("Credit Line"). CapSource hereby promises to pay Holder or its
assigns the principal amount drawn down pursuant to the Credit Line, together
with interest thereon calculated from the date of the Draw Down in accordance
with the provisions of this Note. Any Draw Down shall be recorded on Exhibit A
and made a part of this Note.

         2. Interest Rate/Payment of Interest. Interest shall accrue from the
date of the Draw Down at a rate equal to nine and one quarter percent (9.25%).
Accrued interest shall be paid at maturity.

         3. Payment of Principal. The principal amount is due and payable upon
demand. The Company may, at any time and from time to time without premium or
penalty, prepay all or a portion of the outstanding principal of this Note.
Prepayments of principal shall be applied as directed by the Company.

         4. Restrictions on Payment. Notwithstanding anything in this Note to
the contrary, the obligations of the Company in respect of the principal,
interest, fees, charges and other amounts on this Note, and all rights and
remedies of the Holder under this Note, shall be senior in right of payment to
all other indebtedness of the Company.

         5. Cancellation. After all principal and accrued interest at any time
owed on this Note has been paid in full or this Note has been converted into the
Common Stock pursuant to paragraph 7, this Note shall be surrendered to the
Company for cancellation and shall not be reissued.

         6. Place of Payment; Notices. Payments of principal and interest,
delivery of shares of Common Stock and any notice hereunder are to be delivered
to the Holder at the following address:

                  Randolph M. Pentel
                  815 Deer Trail Court
                  St. Paul, Minnesota 55118

         Notices shall be deemed received when delivered personally, or one day
after being sent by Federal Express or other overnight carrier, or five days
after being sent by certified or registered mail.

         7. Governing Law. The validity, construction, and interpretation of
this Note will be governed by the internal laws, and not the laws of conflicts,
of the State of Minnesota.

         8. Conversion. This principal amount of this Note, together with all
interest accrued and unpaid shall be convertible at the option of the Holder
into shares of fully paid and nonassessable shares of Common Stock of the
Company at a price of $1.00 per share ("Conversion Price"). Upon surrender of
this Note, the Company shall deliver to the Holder certificates evidencing
shares of Common Stock into which the principal amount of this Note, together
with accrued and unpaid interest thereon, was converted. If a portion of this
Note is converted, the principal amount (together with accrued and unpaid
interest thereon) so converted shall be applied for the proper number of shares
of Common Stock for the portion converted and the balance of the unpaid
principal amount hereof shall remain outstanding and due and payable in
accordance with the terms hereof, or may be converted at a subsequent date
pursuant to the terms of this Note. The conversion shall be deemed to have been
effected immediately before the close of business on the date the Company
receives a notice of conversion from the Holder. Following such

<PAGE>

surrender, in the case of a partial conversion, the Company shall issue a
replacement note, in form and substance substantially similar to this Note, but
appropriately revised to reflect such conversion.

         The Conversion Price shall be subject to adjustment as follows:

                  (a) If the Company at any time shall consolidate or merge
with, or sell or convey all or substantially all its assets to, any other
corporation, partnership or limited liability company, this Note or any portion
hereof convertible into Common Stock as provided for herein shall adjust the
Conversion Price such that this Note be convertible into such number and kind of
securities and property as would have been issuable or distributable on account
of such consolidation, merger, sale or conveyance upon or with respect to the
securities into which this Note or any portion hereof was convertible
immediately before such consolidation, merger, sale or conveyance. The Company
shall take such steps in connection with such consolidation or merger, sale or
conveyance as may be necessary to assure that the provisions of this Note shall
thereafter be applicable, as nearly as reasonably may be, in relation to any
security or property thereafter deliverable upon conversion of this Note. The
foregoing provisions shall similarly apply to successive transactions of a
similar nature by any such successor or purchaser. Without limiting the
generality of the foregoing, the provisions hereof shall apply to such
securities of such successor or purchaser after any such consolidation, merger
or conveyance.

                  (b) If the shares of the Company's Common Stock are subdivided
or combined into a greater or smaller number of shares of Common Stock, the
Conversion Price shall be proportionately reduced in case of a subdivision of
shares or proportionately increased in the case of a combination of shares, in
both cases by the ratio which the total number of shares of Common Stock to be
outstanding immediately after such event bears to the total number of shares of
Common Stock outstanding immediately before such event.

         9. Fractional Shares. No fractional shares of Common Stock are to be
issued in connection with any conversion, but in lieu of such fractional share,
the Company shall make a cash payment therefor on the conversion date.

         IN WITNESS WHEREOF, the Company has executed and delivered this Note on
the date first above written.

                                        CapSource Financial, Inc.

                                        ------------------------------------
                                        By:    Fred Boethling
                                        Title: President

                                       2
<PAGE>

                                    EXHIBIT A

DRAW DOWN                DATE OF DRAW DOWN                  AMOUNT OF DRAW DOWN

                                       3
<PAGE>

               ADDENDUM TO PROMISSORY NOTE DATED DECEMBER 31, 2001

         Section 3 of the Promissory Note dated December 31, 2001 between
Randolph M. Pentel and CapSource Financial, Inc. is hereby amended and modified
to read as follows:

                  3. Payment of Principal. The principal is due December 31,
                  2004. the Company may, at any time and from time to time
                  without premium or penalty, prepay all or a portion of the
                  outstanding principal of this Note. Prepayments shall be
                  applied to the Note as directed by the Company.

         IN WITNESS WHEREOF, with the full intention of modifying that certain
Promissory Note dated December 31, 2001, the parties have executed this
Addendum.

Date of Addendum: January 31, 2002
                  ----------------

COMPANY:                                   HOLDER:

CapSource Financial, Inc.                  Randolph M. Pentel

-------------------------------------      -------------------------------------
By:  Steven E. Reichert                    Randolph M. Pentel
Its: Vice President

                                       4

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