<PAGE>

EXHIBIT 10.72
                           PENNSYLVANIA BUSINESS BANK
                      DISCLOSURE FOR CONFESSION OF JUDGMENT


<TABLE>
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<S>                   <C>            <C>              <C>             <C>              <C>         <C>       <C>
    PRINCIPAL         LOAN DATE      MATURITY          LOAN NO         CALL / COLL     ACCOUNT     OFFICER   INITIALS
   $360,000.00       09-28-2001     10-01-2002        100006519
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  References in the shaded area are for Lender's use only and do not limit the applicability of this document to any
      particular loan or item. Any item above containing ""'" has been omitted due to text length limitations.
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AFFIANT:     insci-statements.com, Corp. (TIN: 06-1302773)               LENDER:  Pennsylvania Business Bank
             Two Westborough Business Park                                        1401 Walnut Street, 4th Floor
             Westborough, MA 01581                                                Philadelphia, PA 19102
                                                                                  (215) 564-2665

=====================================================================================================================
</TABLE>

                      DISCLOSURE FOR CONFESSION OF JUDGMENT

   I AM EXECUTING, THIS _______ DAY OF______________________ 20____, A
   PROMISSORY NOTE FOR $360,000.00 OBLIGATING ME TO REPAY THAT AMOUNT.

   A. I UNDERSTAND THAT THE NOTE CONTAINS A CONFESSION OF JUDGMENT PROVISION
   THAT WOULD PERMIT LENDER TO ENTER JUDGMENT AGAINST ME IN COURT, AFTER A
   DEFAULT ON THE NOTE, WITHOUT ADVANCE NOTICE TO ME AND WITHOUT OFFERING ME AN
   OPPORTUNITY TO DEFEND AGAINST THE ENTRY OF JUDGMENT. IN EXECUTING THE NOTE,
   BEING FULLY AWARE OF MY RIGHTS TO ADVANCE NOTICE AND TO A HEARING TO CONTEST
   THE VALIDITY OF ANY JUDGMENT OR OTHER CLAIMS THAT LENDER MAY ASSERT AGAINST
   ME UNDER THE NOTE, I AM KNOWINGLY, INTELLIGENTLY, AND VOLUNTARILY WAIVING
   THESE RIGHTS, INCLUDING ANY RIGHT TO ADVANCE NOTICE OF THE ENTRY OF JUDGMENT,
   AND I EXPRESSLY AGREE AND CONSENT TO LENDER'S ENTERING JUDGMENT AGAINST ME BY
   CONFESSION AS PROVIDED FOR IN THE CONFESSION OF JUDGMENT PROVISION. INITIALS:
   ___________

   B. I FURTHER UNDERSTAND THAT IN ADDITION TO GIVING LENDER THE RIGHT TO ENTER
   JUDGMENT AGAINST ME WITHOUT ADVANCE NOTICE OR A HEARING, THE CONFESSION OF
   JUDGMENT PROVISION IN THE NOTE ALSO CONTAINS LANGUAGE THAT WOULD PERMIT
   LENDER, AFTER ENTRY OF JUDGMENT, AGAIN WITHOUT EITHER ADVANCE NOTICE OR A
   HEARING, TO EXECUTE ON THE JUDGMENT BY FORECLOSING UPON, ATTACHING, LEVYING
   ON, TAKING POSSESSION OF OR OTHERWISE SEIZING MY PROPERTY, IN FULL OR PARTIAL
   PAYMENT OF THE JUDGMENT. IN EXECUTING THE NOTE, BEING FULLY AWARE OF MY
   RIGHTS TO ADVANCE NOTICE AND A HEARING AFTER JUDGMENT IS ENTERED AND BEFORE
   EXECUTION ON THE JUDGMENT, I AM KNOWINGLY, INTELLIGENTLY AND VOLUNTARILY
   WAIVING THESE RIGHTS, AND I EXPRESSLY AGREE AND CONSENT TO LENDER'S
   IMMEDIATELY EXECUTING ON THE JUDGMENT, IN ANY MANNER PERMITTED BY APPLICABLE
   STATE AND FEDERAL LAW, WITHOUT GIVING ME ANY ADVANCE NOTICE. INITIALS:
   ___________

   C. AFTER HAVING READ AND DETERMINED WHICH OF THE FOLLOWING STATEMENTS ARE
   APPLICABLE, AND BY PLACING MY INITIALS NEXT TO EACH STATEMENT WHICH APPLIES,
   I REPRESENT THAT:

   INITIALS

   ___________    1.  1 WAS REPRESENTED BY MY OWN INDEPENDENT LEGAL COUNSEL IN
                  CONNECTION WITH THE         NOTE.

   ___________    2. A REPRESENTATIVE OF LENDER SPECIFICALLY CALLED THE
                  CONFESSION OF JUDGMENT PROVISION IN THE NOTE TO MY ATTENTION.


                      DISCLOSURE FOR CONFESSION OF JUDGMENT
LOAN NO: 100006519                   (CONTINUED)                         PAGE 2
===============================================================================

   D. I CERTIFY THAT MY ANNUAL INCOME EXCEEDS $10,000; THAT THE BLANKS IN THIS
   DISCLOSURE WERE FILLED IN WHEN I INITIALED AND SIGNED IT; AND THAT I RECEIVED
   A COPY AT THE TIME OF SIGNING.

   THIS DISCLOSURE IS GIVEN UNDER SEAL AND IT IS INTENDED THAT THIS DISCLOSURE
   IS AND SHALL CONSTITUTE AND HAVE THE EFFECT OF A SEALED INSTRUMNET ACCORDING
   TO LAW. Affiant:
   INSCI-STATEMENTS.COM, CORP.

   By: /s/ Henry F. Nelson                     (Seal)
       ----------------------------------------------
         Henry F. Nelson, Jr., President and CEO of
         insci-statements.com, Corp.

   ATTEST:

   --------------------------------------------     (Corporate Seal)
         Secretary or Assistant Secretary

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