Document:

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                                                                  Exhibit 10.7.2

                                PROMISSORY NOTE
                            (Franklin D. Richards)

$33,000.00                                                      Denver, Colorado
                                                             October _____, 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 Thirty-three Thousand and 00/100
($33,000.00) plus interest as hereinafter provided.

The outstanding principal balance hereof shall bear interest prior to maturity
at the simple interest rate equal to seven and three-fourths percent ( 7.75%).

The outstanding principal balance, together with any accrued and unpaid
interest, shall be due and payable in full on September 1, 2001 (the "Maturity
Date"); provided, however, that in the event that Maker is employed by Intek as
of September 1, 2000 (approximately the first anniversary of the date of this
Note), and has been continuously employed since the date of this Note, then the
lesser of (i) one-half of the original principal balance of this Note, or (ii)
the outstanding principal balance of this Note, shall be forgiven and shall not
be due from Maker.  In the event that Maker is employed by Intek as of the
Maturity Date (approximately the second anniversary of the date of this Note),
then the remaining outstanding principal balance of this Note, and any unpaid
interest thereon, shall be forgiven and shall not be due from Maker.
Notwithstanding any provision in this Note to the contrary, in the event that
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Maker is no longer an employee of Intek, all amounts outstanding under this Note
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shall become immediately due and payable in full and to the extent permitted by
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law, Intek may offset any payment Intek may owe Maker and apply such offset
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towards payment of this Note.  Notwithstanding any provision of this Note to the
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contrary, including the above provisions on forgiveness of any amount, Maker
shall pay to Intek on November 1, 2000 a principal amount, and accrued interest
thereon, equal to the excess of the original principal amount of this Note over
the amount of federal, state and local income taxes paid or payable by Maker in
respect of the distribution to Maker by Intek of stock of Spider Technologies,
Inc. ("Spider Stock") in the "spin off" of Spider Stock to stockholders of
Intek.  The Spider Stock will be deemed taxed at 25% (20% federal, 6% Colorado
state, with a corresponding reduction in federal taxes) for long term capital
gains purposes and at the highest marginal federal, state and local income tax
rate in fact paid by the Maker as to short term capital gain and ordinary
income.  Maker will certify such tax rates to Intek.

Interest which accrues hereunder shall be paid in full on the Maturity Date.  If
not paid when due, the interest shall be added to the principal balance and
shall thereafter accrue interest at the rate provided herein.  Payments
hereunder shall be applied first to outstanding and unpaid interest, and then to
principal.
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                                                        Promissory Note - Page 2

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,
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.

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.

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 acknowledges that in the event amounts due hereunder are forgiven, as set
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forth above, then such forgiven amounts will be taxable to Maker as ordinary
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income.
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                         MAKER:

                           /s/ Franklin D. Richards
                          ----------------------------------
                          Franklin D. Richards<PAGE>

                                                                Exhibit 10.7.4

                                PROMISSORY NOTE

$29,027.80                    Denver County, CO                November 20, 1998

Frank D. Richards
For value received, I promise to pay to the order of
Intek Information, Inc.
370 Seventeenth Street, Suite 3950*
Denver, CO
Twenty-Nine Thousand Twenty-Seven and 80/100 dollars, with interest at the rate
of 8% per cent per annum, payable as follows:
*or such other address as noticed by Intek Information, Inc.

All interest will accrue and be due at maturity.

This Promissory Note will be due and payable in full upon the earliest of the
following:

1.  The end of Frank Richard's employment with Intek Information, Inc. for any
    reason;

2.  If $29,027.80 or more aggregate amount from the sale (on one or more
    occasions) of stock of Intek Information, Inc. is received by or for the
    benefit of Frank Richards or his spouse or family members; or

3.  November 20, 2003.

If this promissory note is not paid when due, subject to applicable laws Intek
Information, Inc. may apply as payment to this Promissory Note any amounts owing
to Frank Richards or his estate, including, but not limited to, in respect of
stock, options, bonus payments, life insurance proceeds, and salary).

Subject to applicable law and agreements to which Frank Richards, Intek
Information, Inc. or the shares of stock may be subject, Frank Richards or his
estate may pay this Promissory Note in full (but not in part) by delivery of
Intek Information, Inc. Preferred Stock or Common Stock valued at the delivered
stock's fair market value as determined in good faith by the Board of Directors
of Intek Information, Inc. at the time of delivery.

IT IS AGREED that if this note is not paid when due or declared due hereunder,
the entire principal and accrued interest thereon shall draw interest at the
rate of fourteen per cent (14%) per annum, and that failure to make any payment
of principal or interest when due or any default under any encumbrance or
agreement securing this note shall cause the whole note to become due at once,
or the interest to be counted as principal, at the option of the holder of the
note.  The makers and endorsers hereof severally waive presentment for payment,
protest, notice of non-payment and of protest, and agree to any extension of
time of payment and partial payments before, at or after maturity, and if this
note or interest thereon is not paid when due or suit is brought, agree to pay
all reasonable costs of collection including reasonable attorney's fees..

                                         /s/ Frank Richards
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                                         Frank Richards
Due: November 20, 2003
This note is Unsecured<PAGE>

                                                                  Exhibit 10.9.2

                                   AGREEMENT
                               REGARDING MATTERS
                                    BETWEEN
                            INTEK INFORMATION, INC.
                                      AND
                           SPIDER TECHNOLOGIES, INC.

     This Agreement is entered into by and between Intek Information, Inc.
("Intek") and Spider Technologies, Inc. ("Spider").

     The parties entered into various agreements in respect of the spin off of
Spider from Intek.

     1.   In consideration of the entering into, delivery and performance of the
     Amended and Restated Software Assignment and Grant-Back License,
     Maintenance and Support Agreement between the parties hereto, Intek hereby
     agrees to pay Spider $75,000 in readily available funds within one hundred
     twenty (120) days of the date hereof plus, at such time, the actual cost of
     any third party licenses acquired by Intek from Spider in the twenty (20)
     days after the date of execution hereof.

     2.   The parties each represent and warrant to the other that they have
          obtained all necessary authorizations, corporate and other, to enter
          into, deliver and perform this Agreement.

DATED:  January 13, 2000

     INTEK INFORMATION, INC.

     By: /s/ Timothy C. O'Crowley
         ------------------------
     Title: Chief Executive Officer
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     SPIDER TECHNOLOGIES, INC.

     By: /s/ Timothy C. O'Crowley
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     Title: Appointed signatory
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