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                                                                  Exhibit 10.7.3
                                PROMISSORY NOTE

$600,000.00                                                     Denver, Colorado
                                                               November 23, 1999

FOR VALUE RECEIVED, the undersigned ("Maker"), for itself, its successors and
assigns, promises to pay to the order of INTEK INFORMATION, INC., a Delaware
corporation ("Intek"), its successors and assigns, at 5619 DTC Parkway, 12th
Floor Englewood, CO 80111, the full sum of Six Hundred Thousand and 00/100
dollars ($600,000.00) plus interest as hereinafter provided. The outstanding
principal balance hereof shall bear interest prior to maturity at the simple
interest rate equal the prime rate as published in the Wall Street Journal on
                                                       -------------------
the date of this Note plus two percentage points. The prime rate as of the date
hereof is 8.5%. The outstanding principal balance, together with any accrued and
unpaid interest, shall be due and payable in full on November 23, 2000 (the
"Maturity Date"). Payments hereunder shall be applied first to outstanding and
unpaid interest, and then to principal.

If any payment on this Note is not paid when due, whether maturing by lapse of
time or by reason of the failure of the Maker hereof to pay when due or because
of a default in the performance of any of the covenants contained in this Note,
the outstanding unpaid amount under this Note shall thereafter bear simple
interest at the rate of fifteen percent (15%) per annum until paid in full.

This Note, at the option of Maker, may be prepaid in whole or in part at any
time without additional interest or penalty, with any such prepayment being
applied first to outstanding and unpaid interest, and then applied to principal
in the inverse order of maturity.

The failure to exercise any rights upon the default of this Note or any
instrument securing, governing or evidencing the loan evidenced by this Note
shall not constitute a waiver of the right of the holder of this Note to
exercise the same or any other option at that time or at any subsequent time
with respect to such default or any other event of default hereunder or any
instrument securing, governing or evidencing the loan evidenced by this Note.
The remedies of the holder hereof, as provided in this Note or in any instrument
securing, governing or evidencing the loan evidenced hereby, shall be cumulative
and concurrent and may be pursued separately, successively or together, as often
as occasion therefor shall arise, at the sole discretion of the holder hereof.
The acceptance by the holder hereof of any payment under this Note which is less
than payment in full of all amounts due and payable at the time of such payment
shall not constitute a waiver of the rights of the holder to exercise the
foregoing option or any other option granted to the holder in this Note or in
any other instrument securing, governing or evidencing the loan evidenced
hereby, at that time or at any subsequent time, or nullify any prior exercise of
any such option.

This Note is secured by a pledge of shares held by Maker in Intek pursuant to a
Pledge Agreement of even date hereof. Maker and any guarantors or endorsers
hereof severally waive presentment, demand, protest, notice of nonpayment and of
protest and agreement to any extension of time for payment, the acceptance of
any partial payments before, at or after maturity, and if this note, or any
interest due thereunder, is not paid when due, or a suit is brought thereon,
Maker agrees to pay all costs of collection, including, without limitation,
reasonable attorneys' fees.
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This note shall be governed by and construed in accordance with the laws of the
State of Colorado, without regard to its choice of law rules.


                                     MAKER:


                                     /S/ TIMOTHY C. O'CROWLEY
                                     ------------------------
                                     Timothy C. O'Crowley

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                               PLEDGE AGREEMENT


         THIS PLEDGE AGREEMENT is entered into on November 23, 1999 between
Timothy C. O'Crowley (the "Debtor"), and Intek Information, Inc., a Delaware
corporation (the "Secured Party").

         Section 1. Grant of Security Interest. The Debtor hereby grants and
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conveys to Secured Party a first priority security interest in six hundred
thousand (600,000) shares of the common stock of Secured Party, all of which
shares are now owned by the Debtor (the "Stock"), and all proceeds of the
foregoing. The Debtor hereby delivers to the Secured Party, all stock
certificates representing the Stock to be held pursuant to the terms and
conditions of this Agreement and a stock power in blank executed by the Debtor
evidencing the Stock.

The Debtor hereby agrees:

         (a) not to transfer, sell or assign, all or any part of the Stock
without the prior written consent of Secured Party;

         (b) to keep his interest in the Stock free and clear of all liens and
encumbrances other than the Amended and Restated Shareholders Voting Agreement
dated November 19, 1999 ("Stockholders Agreement") to which the Debtor is also a
party; and

         (c) at the Debtor's sole cost and expense, to appear and defend any
action or proceeding arising under, growing out of, or in any manner connected
with the Stock.

         Section 2. Liabilities Secured. The security interest herein granted
                    -------------------
and conveyed shall be security for the performance of, and the timely payment of
Six Hundred Thousand and 00/100 Dollars ($600,000.00) due under a Promissory
Note dated November 23, 1999 payable by the Debtor to the Secured Party (the
"Indebtedness").

         Section 3. Transfer of Securities. Debtor hereby appoints the Secretary
                    ----------------------
of Secured Party as his attorney-in-fact to arrange for the transfer of the
Stock on the books of the Secured Party. Except as otherwise provided herein,
the Secured Party may exercise all of the rights and privileges in connection
with the Stock to which a transferee may be entitled as the record holder
thereof.

         Section 4. Dividends. Unless there is a default under this Agreement,
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all dividends paid or payable on the Stock shall be the property of the Debtor.

         Section 5. Voting Rights. During the term of this Agreement, Debtor
                    -------------
shall have the right, where applicable, to vote the Stock on all corporate
questions, and the Secured Party shall execute due and timely proxies in favor
of Debtor for this purpose.

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         Section 6. Further Documentation, etc. The Debtor promises and agrees
                    --------------------------
to provide the Secured Party with any further, additional or corrected
documents, instruments or agreements reasonably required by the Secured Party to
secure and perfect the security interest granted hereby in the Stock, or in any
proceeds thereof.

         Section 7. Default.  Nonpayment when due of any of the Indebtedness or
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the occurrence of any other event of default under the Note shall constitute a
default under this Agreement.

         Section 8. Rights on Default. In the event of default in any promise of
                    -----------------
the Debtor made herein, the Secured Party may treat the Indebtedness as matured,
due and payable. Secured Party may then exercise any and all of the rights and
remedies granted to a secured party upon default under the Uniform Commercial
Code as adopted in the State of Colorado, in addition to any other rights and
remedies which it may have. The Debtor shall pay to the Secured Party on demand
any and all expenses and reasonable attorney's fees, incurred or paid by the
Secured Party in protecting and enforcing its rights hereunder, and all such
expenses shall constitute a part of the Indebtedness.

         Section 9. Relation to Other Documents.  The provisions of this
                    ---------------------------
Agreement shall be in addition to those of the Indebtedness or any other
evidence of any liability held by the Secured Party.


         IN WITNESS WHEREOF, the parties hereto have caused this Agreement to be
executed as of the date first above written.



                                     /S/ TIMOTHY C. O'CROWLEY
                                     ------------------------
                                     Timothy C. O'Crowley

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