Document:

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                                                                   Exhibit 10.30

                        NON-NEGOTIABLE PROMISSORY NOTE

                                                                   Deerfield, IL
$200,000                                                        January 16, 2001

         FOR VALUE RECEIVED, the undersigned hereby promises to pay to Web
Street, Inc., a Delaware corporation ("Corporation"), Two Hundred Thousand
($200,000) Dollars, on or before January 16, 2004, with interest accruing from
the date hereof at the rate of Six (6.00 %) Percent per annum, and with interest
only payable quarterly as follows: on or before each April 30, July 31, October
31, and January 31 (or, if any such dates be a weekend or national bank holiday,
on the business day next following) of each year that this Note is outstanding,
until the entire principal amount and all outstanding interest thereon has been
paid in full.

         The loan obligation represented by this Note, as well as all other then
outstanding loans owed to the Corporation by the undersigned, will be subject to
complete forgiveness, grossed up for all applicable tax effects, upon attainment
of either of the following objectives: (i) a sale of the Company at a per share
   ------
price, or valuation, that is no less than the lesser of (A) Two (2) times the
                                              ------
average trailing closing bid price of the Company's common stock for the Ten
(10) trading days immediately preceding the date of signing of a definitive
agreement, or (B) $6 per share; or (ii) achievement of calendar year 2001 gross
revenues no less than Fifty (50%) Percent in excess of calendar year 2000 gross
revenues.

         Payments of both principal and interest are to be made at the principal
offices of the Corporation, or at such other place or places as may from time to
time be designated in writing by the Payee or legal holder of this Note. All or
any part of the principal of this Note may be prepaid at any time or times, in
whole or in part, without notice, premium or penalty.

         In the event of a default in payment of any installment or amount due
hereunder, which default remains uncured for a period of ten (10) days or more
after written notice thereof, the entire unpaid principal balance and accrued
interest thereon shall become immediately due and payable. In the event of a
default, the Payee or legal holder of this Note shall be entitled to recover
reasonable costs of collection, including attorneys' fees and legal expenses.

                                                   /s/ Avi Fox<PAGE>

                                                                   Exhibit 10.31

                                March 15, 2001

PERSONAL AND CONFIDENTIAL
-------------------------
Mr. Joseph Fox
510 Lake Cook Road
Deerfield, IL   60015

Dear Joe:

         This is to confirm that the Company has, with the approval of the Board
of Directors, agreed to modify that certain promissory from you to the Company,
originally dated March 16, 1999, having a principal amount of $110,000, an
annual interest rate of 5%, and a maturity of March 16, 2001, to provide for an
extension of the maturity to March 16, 2003.

         In all other respects the Note terms remain unrevised and in full force
and effect. If the foregoing accurately reflects your understanding and
agreement, please sign and return a copy of this letter to my attention. Thank
you.

                             Very truly yours,

                             /s/ Stuart A. Cohn

                             Stuart A. Cohn
                             Executive Vice President and Secretary to the Board

ACKNOWLEDGED AND AGREED:

/s/ Joseph Fox
<PAGE>

                                                       Exhibit 10.31 (continued)

                                PROMISSORY NOTE
                                ---------------

                                March 16, 1999

         The undersigned, Joseph Fox, an Illinois Resident ("Maker"), promises
to pay WebStreet.com, Inc. a Delaware Corporation ("Payee"), at Payee's office
or such other place as Payee may from time to time in writing designate, the
principal sum of One Hundred Ten Thousand ($110,000) Dollars, including interest
at the annual rate of five (5%) percent per annum, as follows: Interest on the
principal amount from time to time outstanding quarterly (March 31, June 30,
September 30, and December 31), and the entire unpaid principal balance on or
before March 16, 2001.

         All payments shall be applied first to accrued and unpaid interest on
the unpaid principal balance and the remainder shall be applied to principal.
Maker shall have the right at any time to prepay the amounts due or coming due
hereunder, in whole or in part, without notice, premium or penalty.

         At the election of Payee, following ten (10) days' written notice of
the failure of Maker to make any payment when due hereunder, the principal sum
remaining unpaid hereon, together with accrued interest thereon, shall become at
once due and payable at the place of payment aforesaid.

         No delay or omission on the part of Payee in exercising any power or
right hereunder shall impair such right or power or be construed to be a waiver
of any default or any acquiescence therein.

                                           By: /s/ Joseph Fox
                                              ---------------------------
                                                Joseph Fox<PAGE>

                                                                   Exhibit 10.32

                                March 15, 2001

PERSONAL AND CONFIDENTIAL
-------------------------
Mr. Avi Fox
510 Lake Cook Road
Deerfield, IL   60015

Dear Avi:

         This is to confirm that the Company has, with the approval of the Board
of Directors, agreed to modify that certain promissory from you to the Company,
originally dated March 16, 1999, having a principal amount of $110,000, an
annual interest rate of 5%, and a maturity of March 16, 2001, to provide for an
extension of the maturity to March 16, 2003.

         In all other respects the Note terms remain unrevised and in full force
and effect. If the foregoing accurately reflects your understanding and
agreement, please sign and return a copy of this letter to my attention. Thank
you.

                             Very truly yours,

                             /s/ Stuart A. Cohn

                             Stuart A. Cohn
                             Executive Vice President and Secretary to the Board

ACKNOWLEDGED AND AGREED:

/s/ Avi Fox
<PAGE>

                                                       Exhibit 10.32 (continued)

                                PROMISSORY NOTE
                                ---------------

                                March 16, 1999

         The undersigned, Avi Fox, an Illinois Resident ("Maker"), promises to
pay WebStreet.com, Inc. a Delaware Corporation ("Payee"), at Payee's office or
such other place as Payee may from time to time in writing designate, the
principal sum of One Hundred Ten Thousand Dollars ($110,000), including interest
at the annual rate of five (5%) percent per annum, as follows: Interest on the
principal amount from time to time outstanding quarterly (March 31, June 30,
September 30, and December 31), and the entire unpaid principal balance on or
before March 16, 2001.

         All payments shall be applied first to accrued and unpaid interest on
the unpaid principal balance and the remainder shall be applied to principal.
Maker shall have the right at any time to prepay the amounts due or coming due
hereunder, in whole or in part, without notice, premium or penalty.

         At the election of Payee, following ten (10) days' written notice of
the failure of Maker to make any payment when due hereunder, the principal sum
remaining unpaid hereon, together with accrued interest thereon, shall become at
once due and payable at the place of payment aforesaid.

         No delay or omission on the part of Payee in exercising any power or
right hereunder shall impair such right or power or be construed to be a waiver
of any default or any acquiescence therein.

                                         By: /s/ Avi Fox
                                            ------------
                                             Avi Fox<PAGE>

                                                                   Exhibit 10.33

                               January 11, 2001

PERSONAL AND CONFIDENTIAL
-------------------------
Mr. Joseph Fox
510 Lake Cook Road
Deerfield, IL 60015

Dear Joe:

         This is to confirm that, in consideration of your outstanding efforts
on behalf of Web Street, the Company has, with the approval of the Board of
Directors, modified your existing Executive Employment Agreement, dated as of
October 1, 1999, to provide, in Paragraph 4(a) of the Agreement, that your base
salary will be $300,000 per year, effective January 1, 2001.

         In all other respects your Employment Agreement remains intact,
unrevised and in full force and effect. If the foregoing accurately reflects
your understanding and agreement, please sign and return a copy of this letter
to my attention. Thank you.

                            Very truly yours,

                            /s/ Stuart A. Cohn

                            Stuart A. Cohn
                            Executive Vice President and Secretary to the Board

ACKNOWLEDGED AND AGREED:

         /s/ Joseph Fox<PAGE>

                                                                   Exhibit 10.34

                               January 11, 2001

PERSONAL AND CONFIDENTIAL
-------------------------
Mr. Avi Fox
510 Lake Cook Road
Deerfield, IL 60015

Dear Avi:

         This is to confirm that, in consideration of your outstanding efforts
on behalf of Web Street, the Company has, with the approval of the Board of
Directors, modified your existing Executive Employment Agreement, dated as of
October 1, 1999, to provide, in Paragraph 4(a) of the Agreement, that your base
salary will be $300,000 per year, effective January 1, 2001.

         In all other respects your Employment Agreement remains intact,
unrevised and in full force and effect. If the foregoing accurately reflects
your understanding and agreement, please sign and return a copy of this letter
to my attention. Thank you.

                            Very truly yours,

                            /s/ Stuart A. Cohn

                            Stuart A. Cohn
                            Executive Vice President and Secretary to the Board

ACKNOWLEDGED AND AGREED:

         /s/ Avi Fox

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