Document:

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Exhibit 10.41
CONVERTIBLE PROMISSORY NOTE

$1,000,000                                                         June 5, 2000

This Convertible Promissory Note ("Note") is being executed and delivered to &
Capital Partners, L.P. a Delaware limited partnership (hereinafter "Lender"), in
consideration for Lender's advancing funds to Westar Financial Services
Incorporated ("Borrower").

         WHEREAS, Borrower is attempting to secure equity financing from several
parties through the issuance of Series C Preferred Stock in Borrower;

         WHEREAS, Borrower has immediate cash needs that must be met before a
closing of the Series C Preferred Stock is possible; and

         WHEREAS, Lender is willing to assist Borrower with its immediate cash
needs by loaning Borrower $1,000,000 upon the condition that such amount is
convertible into Borrower's Series C Preferred Stock upon the closing of a
transaction, the terms of which are acceptable to Lender, to sell shares of
Borrower's Series C Preferred Stock.

NOW, THEREFORE, in consideration of the premises, and in order to induce Lender
to advance funds to Borrower, the parties hereby agree as follows:

1. PRINCIPAL; INTEREST; MATURITY. For value received, Borrower hereby promises
to pay to the order of Lender the principal sum of $1,000,000 ("Principal") with
interest at a rate of nine percent (9%) per annum. The principal sum, together
with all interest accrued thereon, shall be due and payable in full by Borrower
three (3) months from the date hereof. There shall be no prepayment penalty.

2. CONVERSION. The Principal and all accrued interest thereon (the "Conversion
Amount") shall automatically and immediately convert into fully paid and
non-assessable shares of Series C Preferred Stock of the Borrower upon the
closing of a transaction, the terms of which are acceptable to Lender, to sell
shares of Company's Series C Preferred Stock. The Conversion Amount will convert
into the number of non-fractional shares equal to the quotient of A) the
Conversion Amount, divided by B) the initial purchase price per share of Series
C Preferred Stock. Borrower will pay cash to Lender for any remainder of the
Conversion Amount in lieu of issuing fractional shares. This right of conversion
is subject only upon Lender's surrender of this Convertible Promissory Note and
execution by Lender of any and all appropriate Series C Preferred Stock purchase
documents, in form satisfactory to the Company.

3. SECURITY. Borrower hereby acknowledges that this Note will be included as a
Secured Obligation under that certain Security Agreement between Lender and
Borrower dated April 15, 1997 ("Security Agreement"), with this provision
serving as written amendment to the Security Agreement for such purpose.

4. SUBORDINATION. Lender hereby acknowledges that the Security Agreement is
subordinate in rights to that certain Bank One Security Interest between Bank
One and Borrower; provided, however, that conversion of this Note into shares of
Series C Preferred Stock shall not be affected by such subordination.

5. DEMAND RIGHTS. This Note shall become due and payable immediately, without
demand or notice, upon the occurrence of any of the following:

         (a) Discovery that any misrepresentation was made to Lender by or on
         behalf of Borrower for the purpose of obtaining the funds advanced
         hereunder;

         (b) The voluntary or involuntary application for, or appointment of, a
         receiver for Borrower;

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         (c) The filing of a voluntary or involuntary petition by or on behalf
         of Borrower under any of the provisions of the federal bankruptcy laws;

         (d) The issuance of a warrant of attachment or for distraint, or of a
         notice of tax lien against Borrower;

         (e) The entry of a judgment against Borrower;

         (f) Borrower's failure to pay, withhold, collect, or remit any tax or
         tax deficiency when assessed or due;

         (g) Borrower's dissolution;

         (h) A bulk sale of Borrower's business assets or notice of Borrower's
         intent to do so;

         (i) Suspension or liquidation of Borrower's business;

         (j) Failure on the part of Borrower, after demand, to furnish financial
         information or to permit inspection of any books or records; or

         (k) Default in payment or performance of any other obligation to
         Lender, whether made directly between Borrower and Lender or made by
         Borrower and acquired in any manner by Lender.

6. COLLECTION EXPENSES. Borrower agrees to pay the actual expenditures made in
any attempt to collect the amount due pursuant to this Note.

7. ATTORNEY'S FEES. Borrower agrees that if any legal action is necessary to
enforce or collect this note, the prevailing party shall be entitled to
reasonable attorneys' fees in addition to any other relief to which the party
may be entitled.

8. CHOICE OF LAW. This Note shall be construed under the laws of the State of
California, including the Uniform Commercial Code as enacted and enforced in the
State of California.

9. WAIVERS. The undersigned waives presentment, demand for payment, notice of
dishonor, notice of protest, and protest, and all other notices or demands in
connection with the delivery, acceptance, performance, default, endorsement, or
guarantee of this interest.

IN WITNESS WHEREOF, the undersigned have caused this Note to be executed as of
the date first above written.

BORROWER:

WESTAR FINANCIAL SERVICES INCORPORATED

-----------------------------------------
     By: R.W. Christensen, Jr.
     Its: President

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                                                                    EXHIBIT 10.2

                                 AMENDMENT NO. 1
                                       TO
                              PATHWAYS GROUP, INC.
                     AGREEMENT OF PURCHASE AND SALE OF STOCK

            AMENDMENT NO. 1, dated as of July 3, 2000 (the "AMENDMENT"), to the
Agreement of Purchase and Sale of Stock, dated as of April 6, 2000 (the
"AGREEMENT"), by and between THE PATHWAYS GROUP, INC., a corporation organized
under the laws of the State of Delaware ("PATHWAYS"), SMART CARD SOLUTIONS
ACQUISITION, INC., a corporation organized under the laws of the State of
Colorado (the "CORPORATION"), and SMART CARD SOLUTIONS, INC., a corporation
organized under the laws of the State of Colorado, as the sole shareholder of
the Corporation ("SHAREHOLDER").

                              W I T N E S S E T H:

            WHEREAS, Pathways, Shareholder and Corporation wish to amend the
Agreement as indicated herein;

            NOW, THEREFORE, in consideration of the foregoing and of the mutual
covenants and agreements set forth herein, the parties hereto agree as follows:

            1.    DEFINITIONS. Except as otherwise defined herein, all
capitalized terms used herein shall have the same respective meanings as in the
Agreement.

            2.    AMENDMENT OF RECITAL B. Recital B. of the Agreement is hereby
amended to remove the reference to "Section 2.3.1." and to replace it with a
reference to "Section 2.3.".

            3.    AMENDMENT OF SECTION 2.3. Section 2.3 of the Agreement is
hereby deleted, in its entirety, and the following is hereby substituted
therefor:

                  "2.3  CONSIDERATION AT CLOSING. As full payment for the
transfer of the Shares by Shareholder to Pathways, in accordance with the
provisions of Section 8, (Closing Provisions) Pathways must deliver the
following at closing or promptly thereafter One Million Nine Hundred Thousand
(1,900,000) shares of Pathways' common stock, par value $0.01 per share
("Pathways Shares")."

            7.    AMENDMENT OF SECTION 8. Section 8 of the Agreement is hereby
deleted, in its entirety, and the following is hereby substituted therefor:

                  "8.  CLOSING. The transfer of the Shares by Shareholder to
Pathways ("Closing") will take place at the offices of Shareholder, 117 Aspen,
Colorado 82611, at 10 a.m. local time, on or before August 21, 2000, or at such
other time and place as place as the parties may agree to in writing (the
"Closing Date")."

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            4.    AMENDMENT. The Agreement is hereby amended to remove each
reference to the term "Pathways Preferred Stock" (other than any such reference
contained in Section 4.3) and to replace it with the term "Pathways Shares".

            5.    AMENDMENT TO EXHIBIT E; DELETION OF EXHIBIT A. Exhibit E to
the Agreement is amended to remove the term "Series B Preferred Stock" and to
replace it with the term "Common Stock". Exhibit A is hereby deleted in its
entirety.

            6.    NO OTHER AMENDMENTS. Except as modified by this Amendment, the
Agreement shall continue in full force and effect.

            7.    CHOICE OF LAW. This Amendment shall be governed by, and
construed in accordance with, the laws of the State of Colorado, without regard
to principles of conflict of laws.

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            8.    COUNTERPARTS. This Amendment may be executed in any number of
counterparts and by different parties hereto in separate counterparts, with the
same effect as if all parties had signed the same document. All such
counterparts shall be deemed an original, shall be construed together and shall
constitute one and the same instrument.

            IN WITNESS WHEREOF, Pathways, Shareholder and the Corporation have
caused this Amendment to be executed effective as of the date first above
written.

                                    THE PATHWAYS GROUP, INC.

                                    By  /s/ Carey F. Daly, II
                                        ----------------------------------------
                                        Carey F. Daly, II
                                        President

                                    SMART CARD SOLUTIONS, INC.

                                    By  /s/ Jay Lussan
                                        ----------------------------------------
                                        Jay Lussan
                                        Chief Executive Officer

                                    SMART CARD SOLUTIONS ACQUISITION, INC.

                                    By  ________________________________________
                                         Name:
                                         Chief Executive Officer

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