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

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