Document:

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Exhibit 10.36

                                LOAN MODIFICATION
                                    AGREEMENT

$600,000          Olympia, Washington
                                                                  March 10, 2000

                  THIS LOAN MODIFICATION AGREEMENT ("the Agreement") is made and
entered into as of March 10, 2000 by and among Westar Financial Services
Incorporated, A Washington Corporation ("Westar") and Puget Sound Investors, the
Lender.

                                    RECITALS
                  FOR VALUE RECEIVED, the undersigned, WESTAR FINANCIAL SERVICES
INCORPORATED, a Washington corporation (the "Company"), promises to pay to the
order of PUGET SOUND INVESTORS, (the "Lender"), the principal sum of Six Hundred
Thousand Dollars ($600,000.00), together with interest on the unpaid principal
balance hereof from the date of disbursement by the Lender at the rate and in
the manner hereinafter set forth.

                  1.       Payments of Principal and Interest. The total
principal hereunder shall be due and payable and shall be paid by the Company to
the Lender in one lump sum payment on March 10, 2000. This Note shall bear
interest on the unpaid principal balance at a variable rate per annum equal to
prime plus one percent (currently 8.75%). All interest payable in accordance
with this Note shall be calculated on the basis of a 365 day year for the actual
number of days principal is outstanding. Interest shall be due and payable and
shall be paid by the Company to the Lender on a monthly basis.

                  2.       Pre-Payments. The indebtedness evidenced or created
by this Note may at any time prior to maturity be prepaid in full or in part
without any premium or penalty.

                  3.       Acknowledgment of Subordination. Lender acknowledges
that it hereby intentionally waives, relinquishes and subordinates the priority
and superiority of the lien or charge of the Lender Security Agreement in favor
of the lien or charge of the Bank One Security Interest upon the Residual
Interest, and understands that in reliance upon and in consideration of this
waiver, relinquishment and subordination, specific loans and advances are being
and will be made and specific monetary and other obligations are being and will
be entered into by third parties which would not be made or entered into but for
such reliance upon this waiver, relinquishment and subordination. Lender agrees
to execute such further documents as either Bank One or the Company may
reasonably request to reflect, implement or confirm such subordination.

                  4.       Notice. In case of a lawsuit or action is commenced
to collect this note or any portion thereof, Westar promises to pay, in addition
to the costs provided by statute, such sum as the court may adjudge reasonable
as attorney's fees therein, (including any action to enforce the judgement and
this provision as to attorney's fees and costs shall survive the judgement.)
Venue in any action to enforce this Note shall, at holder's option, shall be in
Thurston County, Washington.

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

                                LOAN MODIFICATION
                                    AGREEMENT

         Westar, the Borrower, and Puget Sound Investors, the Lender desire to
amend the original loan documents to extend the maturity date from March 10,
2000 to April 30, 2001.

Puget Sound Investors                        Westar Financial Services Inc.

By: _________________________                     By:_________________________

R. W. Christensen, Jr.                                Cindy A. Kay

                                    Page 41<PAGE>

Exhibit 10.37

                           LOAN MODIFICATION AGREEMENT

         THIS LOAN MODIFICATION AGREEMENT (the "Agreement") is made and entered
into as of March 10, 2000 by and among WESTAR FINANCIAL SERVICES INCORPORATED, a
Washington corporation ("Westar"), ROBERT W. CHRISTENSEN, JR. ("Christensen")
and BANK ONE, NA, a national banking association formerly named Bank One,
Columbus, NA (the "Lender").

                                    RECITALS

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

         A. The Lender loaned to Westar the sum of $750,000 (the "Loan")
pursuant to the terms and conditions of a certain Loan Agreement dated as of
August 13, 1997 by and between Westar and the Lender (the "Loan Agreement");

         B. To evidence the Loan, Westar executed a certain Promissory Note
dated August 13, 1997 (the "Note"), whereby Westar promised to pay the
outstanding principal balance of the Loan, together with interest as set forth
in the Note, on or before October 27, 1997;

         C. To secure the Loan Agreement and the Note, the Lender and Westar
entered into a certain Security Agreement dated as of August 13, 1997 (the
"Security Agreement");

         D. In consideration of the Lender making the Loan to Westar,
Christensen (the "Indemnitor") severally, agreed by a certain Validity Agreement
dated as of August 13, 1997 to indemnify the Lender as set forth therein (the
"Validity Agreement");

         E. In further consideration of the Lender making the Loan to Westar,
the Lender and Westar entered into a certain Agreement with Respect to
Prevention and Resolution of Disputes dated as of August 13, 1997 (the "Dispute
Resolution Agreement");

         F. Lender is still the holder and beneficiary of the Loan Agreement,
Note, Security Agreement, Validity Agreement, Dispute Resolution Agreement and
certain other agreements, documents and instruments related thereto
(collectively, the "Loan Documents"); and

         G. Westar, the Lender and the Indemnitor desire to amend the Loan
Documents to extend the maturity date of the Note from March 10, 2000 to August
21, 2000 and the principal balance not to exceed $500,000.

                                    AGREEMENT

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

         1. All terms and conditions of the Loan Documents shall remain in full
force and effect without change, except that, in order to reflect the extension
of the maturity date of the Note to August 21, 2000 and the principal balance
not to exceed $500,000:

             1.  Payments of Principal and Interest.
             The total principal sum and interest hereunder shall be due and
             payable and shall be paid by Westar to the Lender in one lump sum
             payment on or before March 10, 2000.

             The unpaid principal balance of this Note shall bear interest as
             follows:

             (a) from the date of the initial disbursement to and including
             August 21, 2000, at a fluctuating rate per annum equal to three
             percent (3.0%) above the LIBOR Rate (defined below);

                                    Page 42
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             As used herein, "LIBOR Rate" shall mean the interest rate at which
             deposits in immediately available funds in U.S. dollars are offered
             by prime banks in the interbank market for a thirty (30) day period
             as published in the Wall Street Journal. The initial LIBOR Rate
             shall be the LIBOR Rate in effect as of the date of disbursement of
             the loan proceeds by the Lender and thereafter shall be the LIBOR
             Rate in effect as of the first Business Day of each month (the
             "Interest Determination Date") and such LIBOR Rate shall be
             effective until the next succeeding Interest Determination Date.
             Any change in the LIBOR Rate shall be effective immediately upon
             and after the related Interest determination Date

             All interest payable in accordance with this Note shall be
             calculated on the basis of a 360-day year for the actual number of
             days principal is outstanding."

         2. Westar covenants that it will (i) pay the balance of the principal,
together with the interest from the dates of disbursement thereof, as specified
in the Loan Documents, as amended hereby, and (ii) perform and observe all
covenants, agreements, stipulations and conditions on its part to be performed
under the Loan Documents.

         3. 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 Loan Agreement and the Note,
as if the unpaid balance of the principal, with the interest accrued thereon,
had originally been payable as provided for herein. Except as specifically set
forth herein, nothing in this Agreement shall affect or impair any rights and
powers which the Lender may have thereunder.

         4. Each of the parties hereto consents to the provisions of this
Agreement and represents and warrants to the Lender that as of the date hereof
the Loan Documents to which such party remain in full force and effect and are
enforceable in accordance with their respective terms, as amended hereby.

         5. This Agreement 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.

         6. This Agreement is binding upon, and shall inure to the benefit of,
the parties hereto and their respective successors and assigns; provided,
however, that Westar and the Indemnitors may not assign or transfer their
respective rights or duties under this Agreement or the Loan Documents without
the prior written consent of the Lender.

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

BANK ONE, NA                          WESTAR FINANCIAL SERVICES INCORPORATED,
                                      a Washington corporation

By:__________________________         By:___________________________
   Robert N. Kent, Jr.                   R. W. Christensen, Jr.
   Vice President                        President

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