Document:

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Exhibit 10.30

                                LOAN MODIFICATION AGREEMENT

$250,000.00       Olympia, Washington

                                                                December 1, 1999

         THIS LOAN MODIFICATION AGREEMENT ("the Agreement") is made and entered
into as of December 1, 1999 by and among Westar Financial Services Incorporated,
a Washington Corporation ("Westar") and Charles S. Seel, the Lender.

RECITALS

         FOR VALUE RECEIVED, the undersigned, WESTAR FINANCIAL SERVICES
INCORPORATED, a

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Washington corporation (the "Company"), promises to pay to the order of
CHARLES S. SEEL (the "Lender"), at its principal place of business at 24105
Sno-Woodinville Road, P.O. Box 646, Woodinville, Washington, 98072-0646, or
to the holder hereof at such address as the holder may designate by written
notice, the principal sum of Two Hundred Fifty Thousand Dollars
($250,000.00), 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 sum and
interest hereunder shall be due and payable and shall be paid by the Company
to the Lender in one lump sum payment on the earlier of (i) December 1, 1999
or (ii) receipt by the Company of not less than Five Million Dollars
($5,000,000.00) in proceeds from one or more closings of its current offering
of Units, consisting of senior subordinated notes and warrants or any other
similar financing or financing involving equity securities. This Note shall
bear interest on the unpaid principal balance at a rate per annum equal to
nine percent (9%). 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. Payment shall be made by wire transfer of
immediately available funds as specified by Lender.

         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. COLLATERAL. This Note is secured by a lien on and security
interest in certain assets of the Company pursuant to a Security Agreement of
even date herewith between the Lender and the Company (the "Security
Agreement").

         4. REMEDIES.

            (a) The failure of the Lender to exercise any option upon any
default shall not constitute a waiver of the right to exercise such option in
the event of any continuing or subsequent default. The Company hereby agrees
that the maturity of all or any part of the loan may be postponed or extended
and that any covenants and conditions contained in this Note, or the Security
Agreement or in any instrument given as security for the Indebtedness
evidenced or created hereby may be waived or modified without prejudice to
the liability of the Company on said Note or instrument.

            (b) Presentment for payment, notice or dishonor, protest, notice
of protest and diligence in bringing suit against the Company or any
guarantor of the Company's obligations are hereby severally waived by the
Company.

         5. MAXIMUM INTEREST. Nothing herein contained, nor in any instrument
or transaction relating hereto, shall be construed as to require the Company,
or any person liable for the payment of the loan made pursuant to this Note,
to pay interest in an amount or at a rate greater than the highest rate
permissible under applicable law. Should any interest or other charges paid
by the Company or any parties liable for the payment of the loan made
pursuant to this Note, result in the computation of earning of interest in
excess of the highest rate permissible under applicable law, then any and all
such excess shall be and the same is hereby waived by Lender, and all such
excess shall be automatically credited against and in reduction of the
principal balance, and any portion of said excess which exceeds the principal
balance shall be paid by the Lender to the Company or any parties liable for
the payment of the loan made pursuant to this Note as their respective
interests appear, it being the intent of the parties hereto that under no
circumstances shall the Company or any parties liable for the payment of the
loan hereunder be required to pay interest in excess of the highest rate
permissible under applicable law.

         6. NOTICES. Except for any notice required under applicable law to
be given in another manner, (a) any notice to the Company provided for
hereunder shall be delivered by

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mailing such notice by certified mail or registered mail, return receipt
requested, or overnight courier addressed to the Company at its address as
shown on Lender's records or at such address as the Company may designate by
notice to the Lender as provided herein, and (b) any notice to the Lender
shall be delivered by certified or registered mail, return receipt requested,
or by overnight courier to the Lender's address set forth above, or to such
other address as the Lender may designate by notice to the Company as
provided herein. Any notice provided for hereunder shall be deemed to have
been delivered to the Company or the Lender three days after the same has
been deposited with the United States Postal Service or overnight courier in
the above manner. Actual notice and receipt of any written notice shall
constitute notice in all events. Payment, however, shall be deemed received
only upon actual receipt.

         13. 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 Charles S. Seel, the Lender desire to amend
the original loan documents to extend the maturity date from December 1, 1999
to March 10, 2000.

Lender                            WESTAR FINANCIAL SERVICES
                                  INCORPORATED

By:  _________________________     By: ____________________
         Charles S. Seel               R. W. Christensen, Jr.
                                       President<PAGE>

Exhibit 10.31

                                LOAN MODIFICATION AGREEMENT

$600,000          Olympia, Washington

                                                                December 1, 1999

         THIS LOAN MODIFICATION AGREEMENT ("the Agreement") is made and
entered into as of December 1, 1999 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 December 1, 1999. 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

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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
December 1, 1999 to March 10, 2000.

Puget Sound Investors                        Westar Financial Services Inc.

By: _________________________                     By:_________________________
    R. W. Christensen, Jr.                            Cindy A. Kay<PAGE>

Exhibit 10.32

                           LOAN MODIFICATION AGREEMENT

         THIS LOAN MODIFICATION AGREEMENT (the "Agreement") is made and
entered into as of December 1, 1999 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 December 1, 1999 to
March 10, 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 March 10, 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:

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             (a) from the date of the initial disbursement to and including
             March 10, 2000, at a fluctuating rate per annum equal to three
             percent (3.0%) above the LIBOR Rate (defined below);

             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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