Document:

EXHIBIT 10.35

                     [Ladenburg, Thalmann & Co. Letterhead]

                                                                    July 7, 2000

Greigory Park
Chief Financial Officer
Pawnbroker.com, Inc.
2900 Gordon Avenue, Suite 201
Santa Clara, CA 95051

Re: Deferral of Ladenburg Non-Accountable Expense Allowance

Dear Greg:

     Per your request, Ladenburg Thalmann will agree to defer the receipt of the
$35,000  non-accountable  expense  allowance  which would otherwise be due to us
upon  the  execution  of the  Common  Stock  Purchase  Agreement  and  ancillary
agreements between Pawnbroker and Gestrow  Investments  Limited,  effective upon
our  receipt  of the  attached  promissory  note.  Per your  request,  this note
provides for payment of the $35,000 upon the first drawdown,  but not later than
December 31 of this year. No interest will accrue if the note is timely paid.

     Please return the original note to Mr. Charron to be held in escrow in lieu
of our cash fee. By copy of this letter to Mr. Charron, this will serve to amend
the escrow instructions to permit Epstein, Becker & Green to receive the note in
place of the funds otherwise required.

Sincerely,

Ladenburg Thalmann & Co. Inc.

By: /s/ Joseph A. Smith
    --------------------------------
    Joseph A. Smith
    Managing Director

Cc:  Robert F. Charron w/enc.

                          Ladenburg Thalmann & Co. Inc.
                      500 Madison Avenue, New York NY 10022EXHIBIT 10.36

                                 PROMISSORY NOTE

$35,000

                                                                    July 7, 2000

     For value  received,  and  intending to be legally  bound,  Pawnbroker.com,
Inc.,  a  Delaware  Corporation  (the  "Maker"),   hereby   unconditionally  and
irrevocably promises to pay to the order of Landenburg, Thalmann & Co. Inc. (the
"Payee"),  at such place as Payee may  designate in writing,  in lawful money of
the United States of America,  the sum of Thirty Five Thousand Dollars ($35,000)
on the  earlier of (i) the  funding  of the first  draw down under that  certain
Common Stock Purchase Agreement between Maker and Gestrow Investments Limited or
(ii) December 31, 2000.

     Interest on the  principal  balance  hereof shall accrue at the rate of ten
percent  (10%) per annum  from and after the due date as  aforesaid;  and for so
long as any part of the principal amount remains outstanding thereafter.

     This Promissory Note may be prepaid in whole or in part at any time or from
time to time without premium or penalty.

     For purposes of this Promissory  Note, an "Event of Default" shall occur if
the Maker shall:  (i) fail to pay the entire principal amount of this Promissory
when due and  payable,  (ii) admit in writing  its  inability  to pay any of its
monetary obligations under this Promissory Note, (iii) make a general assignment
of its assets for the benefit of creditors,  or (iv) allow any  proceeding to be
instituted  by or against it seeking  relief  from or by  creditors,  including,
without limitation, any bankruptcy proceedings.

     In the event that an Event of Default has occurred,  the Payee or any other
holder of this Promissory Note may, by notice to the Maker,  declare this entire
Promissory to be forthwith  immediately  due and payable,  without  presentment,
demand, protest or further notice of any kind, all of which are hereby expressly
waived by the  Maker.  In the event  that an Event of  Default  consisting  of a
voluntary  or  involuntary  bankruptcy  filing has  occurred,  then this  entire
Promissory Note shall automatically become due and payable without any notice or
other action by Payee.

     The  nonexercise  or  delay  by the  Payee  or any  other  holder  of  this
Promissory Note of any of its rights hereunder in any particular  instance shall
not constitute a waiver thereof in that or any subsequent instance. No waiver of
any right  shall be  effective  unless in writing  signed by the  Payee,  and no
waiver on one (1) or more occasions shall be conclusive as a bar to or waiver of
any right on any other occasion.

     Should any part of the indebtedness evidenced hereby be collected by law or
through an  attorney-at-law,  the Payee or any other  holder of this  Promissory
Note shall,  if  permitted  by  applicable  law, be entitled to collect from the
Maker  all  reasonable  costs  of  collection,  including,  without  limitation,
attorneys' fees.

     Maker hereby forever waives presentment,  demand,  presentment for payment,
protest,  notice of protest,  and notice of dishonor of this Promissory Note and
all other  demands  and notices in  connection  with the  delivery,  acceptance,
performance and enforcement of this Promissory Note.

     This  Promissory  Note shall be binding upon the  successors and assigns of
the  Maker,  and  shall be  binding  upon,  and  inure to the  benefit  of,  the
successors and assigns of the Payee.

<PAGE>

     This  Promissory Note shall be governed by and construed in accordance with
the internal laws of the State of New York.  All disputes  between the Maker and
the Payee relating in any way to this  Promissory Note shall be resolved only by
state and federal courts located in New York County, New York, and the courts to
which an appeal therefrom may be taken.

     IN WITNESS WHEREOF, the undersigned Maker has executed this Promissory Note
as of July 7, 2000.

                                     MAKER:

                                     PAWNBROKER.COM, INC.

                                     By:  /s/ Neil McElwee
                                          ------------------------------------
                                     Its: Neil A. McElwee, CEOEXHIBIT 10.37

                              Pawnbroker.com, Inc.
                              85 Keystone, Suite F
                                 Reno, NV 89503
                               Tel: (775) 332-5047

                                  July 19, 2000

Gestrow Investments Limited
C/o Dr. Dr. Batliner & Partner
Aeulestrasse 74
FL-9490 Vaduz, Liechtenstein
Attn.:  Mr. Hans Gassner

     Re:  Amendment to Common Stock Purchase Agreement

Gentlemen:

     Reference is made to that  certain  Common Stock  Purchase  Agreement  (the
"Purchase  Agreement"),  dated July 6, 2000, between  Pawnbroker.com,  Inc. (the
"Company") and Gestrow  Investments  Limited (the "Purchaser").  It has recently
come to the  attention  of the parties  that in order to register for resale the
Common  Stock  to be  purchased  pursuant  to the  Purchase  Agreement,  certain
provisions of the Purchase Agreement must be deleted or revised. The Company and
the Purchaser hereby agree to delete or revise said provisions from the Purchase
Agreement.

     In consideration of the mutual covenants and agreements  contained  herein,
and for other good and valuable  consideration,  the receipt and  sufficiency of
which are hereby acknowledged, the parties hereby agree to restate the following
section of the Purchase Agreement as follows:

          Section  1.1 (d) "Draw  Down  Pricing  Period"  shall mean a period of
     twenty-two (22) consecutive Trading Days beginning on the date specified in
     the Draw Down  Notice,  such date to occur only on or after the date of the
     Draw Down Notice.

          Section 5.3 Conditions Precedent to the Obligation of the Purchaser to
     accept a Draw Down and Purchase the Shares.

          The  obligation  hereunder  of the  Purchaser  to  accept a Draw  Down
     request  and  to  acquire  and  pay  for  the  Shares  is  subject  to  the
     satisfaction,  at or before each Draw Down  Exercise  Date,  of each of the
     conditions set forth below.

          Section  6.1 (b) Only one Draw Down shall be allowed in each Draw Down
     Pricing Period. The price per

<PAGE>

     share paid by the  Purchaser  shall be based on the Average  Daily Price on
     each separate  Trading Day during the Draw Down Pricing Period.  The number
     of shares of Common Stock  purchased by the Purchaser  with respect to each
     Draw  Down  shall be  determined  on a daily  basis  during  each Draw Down
     Pricing  Period and settled on a weekly basis (each such date, a "Draw Down
     Exercise Date". If the Average Daily Price is less than the Threshold Price
     on any Trading Day within the Draw Down Pricing  Period,  the Company shall
     not sell the Shares otherwise to be sold for such day.

          Section  6.1(d) The Company shall have the right to issue and exercise
     a Draw Down of up to  $2,000,000  of the  Company's  Common  Stock per Draw
     Down,  subject to the limitations set forth immediately  below. The minimum
     Draw Down shall be $250,000.

          Section 7.1 The term of this  Agreement  shall be eighteen (18) months
     from the Effective Date.

Except  as  specifically  amended  by the  terms of this  letter,  the  Purchase
Agreement and its exhibits shall remain unmodified and in full force and effect,
and shall not be in any way  changed,  modified or  superseded  by the terms set
forth  herein.  All terms  used but not  defined in this  letter  shall have the
meanings set forth in the Purchase Agreement.

                  [REMAINDER OF PAGE INTENTIONALLY LEFT BLANK]

                                       2

<PAGE>

     This Agreement may be executed in any number of counterparts,  all of which
taken  together shall  constitute  one and the same  instrument and shall become
effective when  counterparts have been signed by each party and delivered to the
other parties  hereto,  it being  understood  that all parties need not sign the
same counterpart. Execution may be made by delivery by facsimile.

     If the foregoing  correctly  sets forth our  understanding  and  agreement,
please so indicate by signing where indicated below.

                                       PAWNBROKER.COM, INC.

                                       By: /s/ Joseph Schlader
                                           ------------------------------------
                                           Joseph Schlader, President

ACCEPTED AND AGREED TO:

GESTROW INVESTMENTS LIMITED

By: /s/ illegible
    ----------------------------------
    Authorized Signatory

                                       3

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