Document:

<PAGE>

EXHIBIT 10.1

                          February 15, 2003 ADDENDUM TO
                   WAREHOUSING LINE OF CREDIT PROMISSORY NOTE
                       Originally Dated February 20, 2002

         On February 20, 2002, Temporary Financial Services, Inc. ("TFS") and
Genesis Financial, Inc. ("GENESIS") entered into a Warehousing Line of Credit
Promissory Note and related loan documents (collectively the "Line of Credit")
for a $2,000,000 secured line of credit. TFS was the lender and GENESIS was the
borrower under these documents. The Line was intended to provide GENESIS with
funds for the purchase of seller financed real estate contracts. The Warehousing
Line of Credit Promissory Note is due by its terms on February 15, 2003.

         In January, 2003, TFS and GENESIS agreed that an extension of the line
of credit would be needed as GENESIS was not yet in a position to obtain funding
from other sources or through other means. TFS agreed to extend the line of
credit through August 15, 2003 in order to allow TFS and GENESIS to negotiate
new terms for the Line of Credit. On February 15, 2003, TFS and GENESIS entered
into this Addendum to the Warehousing Line of Credit Agreement.

         This Addendum changes the due date for the Warehousing Line of Credit
Promissory Note to August 15, 2003. All other terms of the Line of Credit remain
in full force and effect, including the "Advance and Repayment Procedures," the
"Financial Covenants and Reporting Obligations," the "Security Agreement," and
the "Guaranty."

         TFS and GENESIS agree to negotiate in good faith for an extension of
the Line of Credit and agree to execute an appropriate agreement reflecting the
additional extension as soon as the terms are agreed upon, but in no event later
than August 15, 2003.

         Dated this 15th day of February, 2003.

GENESIS FINANCIAL, INC.                       ATTEST:

/s/ Michael A. Kirk, President                /s/ Douglas B. Durham, Chairman

Accepted this 15th day of February, 2002 in Spokane, Washington.

Temporary Financial Services, Inc.             Attest:

/s/ John R. Coghlan, President                 /s/ Brad E. Herr, Secretary

                                 10-QSB Page 22
<PAGE><PAGE>

EXHIBIT 10.2
                         Line of Credit Promissory Note
                                  April 1, 2003

Pursuant to this Line of Credit Promissory Note (the "Note"), John R. Coghlan,
as lender, agrees to provide a $1,500,000 line of credit to Temporary Financial
Services, Inc., a Washington corporation ("TFS") as borrower, for a period of
twelve months from April 1, 2003. Advances against the line may be requested
from time-to-time by TFS so long as the aggregate outstanding advances against
the line of credit do not exceed $1,500,000. Mr. Coghlan agrees to deliver the
funds requested by TFS by suitable means such as wire transfer, check or
cashiers check. The line will expire and all outstanding advances will be due
and payable, with accrued interest, on December 31, 2003.

Interest on each outstanding advance will be calculated from the date of the
advance to the date of repayment at the rate of 8% per annum on the basis of
actual days elapsed and a year of 365 days. In the event payments are made prior
to maturity, the payments will be applied first to accrued interest then due on
all outstanding advances, and then to reduce the oldest advance first. Payments
toward accrued interest and any outstanding advance may be made at any time
without penalty. After maturity, if the outstanding advances are not repaid, the
outstanding balances, including accrued interest to the date of maturity, will
bear interest at the lower of a per annum rate of 18% or the maximum rate
authorized by the applicable law.

Mr. Coghlan and TFS acknowledge that the primary purpose of this line of credit
is to enable TFS to provide a $2,000,000 line of credit to Genesis Financial,
Inc. TFS agrees to pay over to Mr. Coghlan, any origination fees and other loan
fees received by TFS from Genesis. The TFS/Genesis line of credit agreement is
attached and incorporated into this agreement by reference. This Note is
unsecured and does not create any priority or security interest in specific TFS
loan receivables or other assets.

No failure by Mr. Coghlan to exercise, and no delay in exercising any right or
remedy under this Note shall operate as a waiver against Mr. Coghlan, nor shall
any single or partial exercise by Mr. Coghlan of any right or remedy under this
Note preclude any other or further exercise of any right or remedy. The rights
and remedies of Mr. Coghlan are cumulative and not exclusive of any other rights
or remedies which Mr. Coghlan may otherwise have.

In any dispute with respect to this Agreement, the prevailing party shall be
entitled to reasonable attorney's fees and other costs and expenses incurred in
litigating or otherwise resolving or settling the dispute. This Note shall be
governed by and construed in accordance with the laws of the State of
Washington.

 Temporary Financial Services, Inc. (Borrower)

/s/ Brad E. Herr, Secretary
Date: April 1, 2003
Executed at Spokane, Washington

                                 10-QSB Page 23

<PAGE><PAGE>

                                                                    EXHIBIT 10.1
                                   DEMAND NOTE
                                  ------------

$25,000                               ORIGINAL ISSUE DATE: DECEMBER 12, 2001
                                      AMENDED AND RESTATED AS OF: JUNE 30, 2002
                                      COLORADO SPRINGS, COLORADO

     FOR VALUE RECEIVED, MILITARY RESALE GROUP, INC., the undersigned maker (the
"Borrower"), hereby unconditionally promises to pay to the order of ATLANTIC
INVESTMENT TRUST, RICHARD H. TANENBAUM, TRUSTEE ("Lender"), at such place as
Lender may specify from time to time, upon the earlier of ON DEMAND or June 30,
2003, in lawful money of the United States of America and in immediately
available funds, the principal sum of TWENTY-FIVE THOUSAND DOLLARS ($25,000)
together with interest thereon at the rate of EIGHT PERCENT (8%) per annum.

     Any principal amount of this Note or any interest and other payments which
are not paid when due shall bear interest, payable on demand, until payment in
full of such amounts at the rate per annum equal to the interest rate otherwise
applicable plus 2% per annum (collectively, the "Default Rate"), after as well
as before judgment.

     Whenever any payment on this Note shall be stated to be due on a day which
is not a business day, such payment shall be made the next succeeding business
day and such extension of time shall be included in the computation of the
payment of interest on this Note.  Prepayments are permitted in whole or in
part, with prior notice but without premium or penalty.

     In no event shall the interest rate on this Note exceed the maximum
interest rate permitted by applicable law.  If, notwithstanding, interest in
excess of said maximum rate shall be paid hereunder, the excess shall be
retained by Lender as a prepayment of all or part of the unpaid balance of
principal.

     The Borrower hereby waives diligence, presentment, protest, demand and
notice of every kind and, to the fullest extent permitted by law, the right to
plead any statute of limitations as a defense to any demand hereunder.  This
Note may not be changed or terminated orally.  This Note shall bind the heirs,
legal representatives, successors and assigns of the undersigned and shall inure
to the benefit of Lender and its successors and assigns.

     The Borrower promises to pay all costs and expenses, including all
reasonable attorneys' fees and disbursements, incurred in the administration,
collection and enforcement of this Note.

<PAGE>
     Each provision of this Note shall survive until all amounts due are paid to
Lender's satisfaction and are not subject to any preference period, shall be
interpreted as consistent with existing law and shall be deemed amended to the
extent necessary to comply with any conflicting law.  If a court deems any
provision invalid, the remainder of this Note shall remain in effect.

     This Note shall be governed by, and construed and interpreted in
accordance with, the substantive laws of the State of New York, without regard
to its conflicts of law provisions.

     The terms of this Note amend and supersede the terms of the promissory note
originally issued to the Borrower on the original issue date set forth above,
and any amendments thereto.

     IN WITNESS WHEREOF, the Borrower has caused this Note to be executed and
delivered as of the day and year and at the place first above written.

                    MILITARY RESALE GROUP, INC.

                    By:  /s/ Edward T. Whelan
                        ------------------------
                          Edward T. Whelan, Chief Executive Officer

<PAGE><PAGE>

                                                                    EXHIBIT 10.2

                                   DEMAND NOTE
                                   -----------

$25,000                                ORIGINAL ISSUE DATE: DECEMBER 12, 2001
                                       AMENDED AND RESTATED AS OF: JUNE 30, 2002
                                       COLORADO SPRINGS, COLORADO

     FOR VALUE RECEIVED, MILITARY RESALE GROUP, INC., the undersigned maker (the
"Borrower"), hereby unconditionally promises to pay to the order of ETHAN D.
HOKIT ("Lender"), at such place as Lender may specify from time to time, upon
the earlier of ON DEMAND or June 30, 2003, in lawful money of the United States
of America and in immediately available funds, the principal sum of TWENTY-FIVE
THOUSAND DOLLARS ($25,000) together with interest thereon at the rate of EIGHT
PERCENT (8%) per annum.

     Any principal amount of this Note or any interest and other payments which
are not paid when due shall bear interest, payable on demand, until payment in
full of such amounts at the rate per annum equal to the interest rate otherwise
applicable plus 2% per annum (collectively, the "Default Rate"), after as well
as before judgment.

     Whenever any payment on this Note shall be stated to be due on a day which
is not a business day, such payment shall be made the next succeeding business
day and such extension of time shall be included in the computation of the
payment of interest on this Note.  Prepayments are permitted in whole or in
part, with prior notice but without premium or penalty.

     In no event shall the interest rate on this Note exceed the maximum
interest rate permitted by applicable law.  If, notwithstanding, interest in
excess of said maximum rate shall be paid hereunder, the excess shall be
retained by Lender as a prepayment of all or part of the unpaid balance of
principal.

     The Borrower hereby waives diligence, presentment, protest, demand and
notice of every kind and, to the fullest extent permitted by law, the right to
plead any statute of limitations as a defense to any demand hereunder.  This
Note may not be changed or terminated orally.  This Note shall bind the heirs,
legal representatives, successors and assigns of the undersigned and shall inure
to the benefit of Lender and its successors and assigns.

     The Borrower promises to pay all costs and expenses, including all
reasonable attorneys' fees and disbursements, incurred in the administration,
collection and enforcement of this Note.

     Each provision of this Note shall survive until all amounts due are paid to
Lender's satisfaction and are not subject to any preference period, shall be
interpreted as consistent with existing law and shall be deemed amended to the
extent necessary to comply with any conflicting law.  If a court deems any
provision invalid, the remainder of this Note shall remain in effect.

<PAGE>

     This Note shall be governed by, and construed and interpreted in
accordance with, the substantive laws of the State of New York, without regard
to its conflicts of law provisions.

     The terms of this Note amend and supersede the terms of the promissory note
originally issued to the Borrower on the original issue date set forth above,
and any amendments thereto.

     IN WITNESS WHEREOF, the Borrower has caused this Note to be executed and
delivered as of the day and year and at the place first above written.

                          MILITARY RESALE GROUP, INC.

                          By:   /s/ Edward T. Whelan
                                -------------------------
                                Edward T. Whelan, Chief Executive Officer

<PAGE>

Source: [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00051-of-00352.parquet"}, [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00051-of-00352.parquet"}], [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00051-of-00352.parquet"}], [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00051-of-00352.parquet"}]]