Document:

<PAGE>

                                                                   Exhibit 10.14

                         SECOND RESTATED AND AMENDED
                        MANAGEMENT EMPLOYMENT AGREEMENT
                            (Timothy C. O'Crowley)

     This SECOND RESTATED AND AMENDED MANAGEMENT EMPLOYMENT AGREEMENT (the
"Agreement") is made as of October 1, 1999, and restates and amends the August
2, 1996 Agreement as restated and amended as of February 3, 1997, by and between
Intek Information, Inc., a Delaware corporation (the "Company"), and Timothy C.
O'Crowley ("Employee").

     WHEREAS, the Company desires to employ the Employee to perform the duties
of Chief Executive Officer and President of the Company as such duties may be
appropriately designated by the Board of Directors from time to time; and

     WHEREAS, the Employee desires to be employed by the Company to perform such
duties upon the following terms and conditions.

                                    RECITALS

     A.   On August 2, 1996 (the "Original Agreement") (as amended and restated
as of February 3, 1997), as further amended as of October 1, 1999 the Company
and the Employee entered into a Management Employment Agreement; and

     B.   Each of the Company and the Employee desires to restate and amend the
Employment Agreement as amended in accordance with the terms and conditions of
this Agreement.

                                   AGREEMENT

     NOW, THEREFORE, in consideration of the mutual covenants herein, the
parties agree as follows:

     1.   Salary.  The Company shall employ the Employee as its Chief Executive
          ------
Officer and President to perform the above described duties on a six-year basis
starting August 1, 1996, and ending August 1, 2002, at a gross salary of $20,000
per month payable in accordance with the customary practices of the Company plus
such salary increases and bonuses as approved by the Board of Directors. The
monthly gross salary, excluding all bonus plan payments, as in effect from time
to time, is referred to as the "Base Salary". After such six-year period, this
Agreement will continue on a month-to-month basis until terminated as provided
herein. Employee agrees to accept the above amounts and the benefits described
in Section 5 in full payment for the services to be rendered by him hereunder,
provided, however, that the Board of Directors Compensation Committee and
Employee will meet no later than six (6) months after
<PAGE>

the date of the Original Agreement, and at each anniversary of the Original
Agreement, and determine if an increase in Base Salary is appropriate, and if
appropriate agree upon the new Base Salary, with the view to setting Employee's
Base Salary to the base salary that would be paid to a similarly skilled and
experienced executive in similar companies performing at comparable levels,
taking into consideration the skills and experience of Employee and the
financial results, performance, growth, and profits of the Company. The Company,
by action of a majority of its Board of Directors and the consent of The Beacon
Group III -Focus Value Fund, L.P. so long as it has a right to appoint a
director to the Company's Board of Directors pursuant to the Shareholders' and
Voting Agreement (the "Shareholders Agreement"), and Conning Insurance Capital
Limited Partnership V for as long as it has the rights, provided in Section
3.4.11 (n) of the Company's Amended and Restated Certificate of Incorporation as
in effect on the date hereof, may adopt additional compensation arrangements
with Employee.

     2    Duties. The Employee shall during the term of his employment
          ------
                  hereunder:

          A.     devote his full normal working time, energies and attention to
                 the duties of his employment, as they may be established from
                 time to time by the Board of Directors consistent with the
                 position and office occupied by Employee, provided, however,
                 that Employee shall at all times have complete control (subject
                 to general direction from the Board of Directors) over the day-
                 to-day operations of the Company;

          B.     comply with all reasonable rules, regulations and
                 administrative directions now or hereafter established by the
                 Company;

          C.     be reimbursed by the Company from time to time (but at least
                 monthly) for all reasonable and necessary business expenses
                 incurred by him in the performance of his duties hereunder,
                 provided that Employee shall render to the Company such
                 accounts and vouchers covering expenditures as the Company
                 reasonably requires and as are necessary for tax purposes, and
                 shall follow normal Company policy on expenses; and

          D.     not engage in any activity or employment which would reasonably
                 be expected to materially conflict with or have a material
                 adverse affect on, the present or prospective business of the
                 Company.

     3.   Termination.
          -----------

          A.   Mutual Agreement.  This Agreement may be terminated at any time
               ----------------
by the mutual agreement of the Company and Employee, expressed in writing.

          B.   Voluntary.  Employee may terminate this Agreement with or without
               ---------
the consent of the Company by giving written notice of his intent to terminate
with the effective date of termination at least one hundred (100) days after the
effective date of the notice of
<PAGE>

termination. After such notice the Company may accelerate the date of
termination without being in breach hereof.

          C.   Without Cause.  The Company may terminate this Agreement at any
               -------------
time without Cause upon twenty (20) days prior notice.

          D.   Disability or Death.  The Company may terminate this Agreement
               -------------------
upon the death or disability of Employee.  For purposes of this Agreement,
Employee shall be considered disabled if he is unable to perform his duties
under this Agreement as a result of injury, illness or other disability for a
period of one hundred eighty (180) consecutive days, or one hundred eighty (180)
days in a three hundred sixty-five (365) day period, and the Board of Directors
of the Company reasonably determines that Employee has been unable to perform
his duties for the one hundred eighty (180) day period as a result of injury,
illness or other disability.

          E.   For Cause by the Company.
               ------------------------

          The Company may terminate this Agreement for "Cause", as defined
below, immediately upon written notice to Employee.  "Cause" shall mean:

               (i)   If Employee materially violates any term of this Agreement
and such action or failure is not substantially remedied or reasonable steps to
effect such substantial remedy are not commenced within twenty (20) days of
written notice from the Company to Employee.

               (ii)  Dishonesty which is not the result of an inadvertent or
innocent mistake of Employee with respect to the Company or any of its
subsidiaries;

               (iii) Willful misfeasance or nonfeasance of duty by Employee
intended to injure or having the effect of injuring in some material fashion the
reputation, business or business relationships of the Company or any of its
subsidiaries or any of their respective officers, directors or employees;

               (iv)  Conviction of Employee upon a charge of any crime involving
moral turpitude or a crime other than a vehicle offense which could reflect in
some material fashion unfavorably upon the Company or any of its subsidiaries;
or

               (v)    Willful or prolonged absence from work by the Employee
(other than by reason of disability due to physical or mental illness) or
failure, neglect or refusal by the Employee to perform his duties and
responsibilities without the same being corrected upon twenty (20) days prior
written notice.

          F.   For Cause by the Employee.  If the Company materially violates
               -------------------------
any term of this Agreement or moves the Company's headquarters from the Denver,
Colorado

                                       3
<PAGE>

metropolitan area and such action or failure is not remedied after twenty (20)
days written notice, Employee may terminate this Agreement immediately upon
written notice to the Company. Such termination is a termination by Employee for
cause.

     4.   Payments at Termination.
          -----------------------

          A.   Upon (i) termination of this Agreement by the Company under
Subsection 3.C. titled "Without Cause" or (ii) termination of this Agreement by
Employee under Subsection 3.F. titled "For Cause by the Employee," Employee
shall receive monthly payments equal to his last Base Salary prior to
termination ("Applicable Base Salary") for a period of eighteen (18) months,
beginning in the month next following such termination, provided, however, if
termination is Without Cause under Section 16 Employee shall only receive
monthly payments equal to his Applicable Base Salary for a period of twelve (12)
months beginning in the month next following such termination. In either case
Employee shall receive all accrued compensation and unreimbursed expenses to the
date of termination as provided herein. The monthly payments provided for in
this Subsection shall be paid on a monthly basis on the first of each month and
shall not be reduced by compensation the Employee may receive from other
sources. In either such case of termination, all unexercised options granted
pursuant to the Incentive Stock Option Agreement dated February 14, 1997 and the
Non-Statutory Stock Option Agreement dated February 14, 1997 (collectively the
"Option Agreements") shall vest and become exercisable on the day of
termination. For any such Non-Statutory Stock Option or Incentive Stock Option,
the period for exercise of the option shall continue for the shorter of the
maximum length of time the option is exercisable under the Company's 1997 Stock
Option Plan as though the employment of Employee had not terminated, and three
(3) years after the date of termination of employment, provided, however, that
if the existence of this sentence would cause any Incentive Stock Option not to
qualify as an incentive stock option pursuant to Section 422 of the Internal
Revenue Code of 1986, as amended, ("Section 422") at any time prior to ninety
(90) days after termination of employment as provided in Section 422, this
sentence shall be null and void as to such Incentive Stock Option.

          B.   The Company shall provide life insurance on Employee as provided
in Subsection 5.B. hereof. If the Company terminates this Agreement upon the
death of Employee, under Subsection 3.D. titled "Disability or Death," the
entire proceeds of such insurance shall be payable to the beneficiary designated
by Employee, or to Employee's estate, plus all accrued compensation and
unreimbursed expenses to the date of termination as provided herein. The
payments provided for in this Subsection shall not be reduced by compensation
the Employee may receive from other sources.

          C.   If the Company terminates this Agreement due to disability, under
Subsection 3.D. titled "Disability or Death," Employee or his estate shall
receive the disability payments provided for by the Company's disability
insurance policy. The Company shall maintain a disability insurance policy
providing for payments at the rate of sixty percent (60%) of his Applicable Base
Salary or the maximum legal amount, whichever is less, until the earlier

                                       4
<PAGE>

of the end of disability, Employee's death or the date Employee attains 65 years
of age. If the Company terminates this Agreement due to disability, under
Subsection 3.D. titled "Disability or Death," the Company shall also pay all
accrued compensation and unreimbursed expenses to the date of termination as
provided herein. The monthly payments provided for in this Subsection shall be
paid at such times payments are made under the disability policy provided for in
this Subsection. Except as required by such policy or applicable law, payments
shall not be reduced by compensation the Employee may receive from other
sources.

          D.   If Employee terminates this Agreement without cause under
Subsection 3.B., titled "Voluntary", or if this Agreement is terminated under
Subsection 3.A., titled "Mutual Agreement," or if this Agreement is terminated
by the Company under Subsection 3.E. titled "For Breach or Cause by the
Company," Employee shall not be entitled to any further payments except
unreimbursed expenses to the date of termination as provided herein and any
accrued compensation and as provided in Section 4.E.

          E.   In each of the foregoing cases, termination is the date of actual
termination, not the date notice of termination is given. Other than payments
owing under a provision providing for payments at a different time, all payments
for accrued unpaid monthly compensation shall be made within ten (10) days after
the end of the month following the month in which termination occurred and all
payments for reimbursement shall be made within forty-five (45) days after the
end of the month following the month in which termination occurred.

          F.   Unless specified otherwise in the bonus plan or bonus agreement,
if termination occurs during the bonus period pursuant to Subsection 3.C. titled
"Without Cause" or Subsection 3.F. titled "For Cause by the Employee," or
Subsection 3.D. titled "Disability or Death," and based upon the results of the
full bonus period the bonus would have been earned, any bonus which would have
been earned shall be based upon the number of calendar days in such bonus period
which have elapsed at the date of termination. Unless specified otherwise in the
bonus plan or bonus agreement, if Employee is terminated "For Cause by the
Company" (Subsection 4.E.), or Employee terminates without Cause (Subsection
4.C.) or Employee after termination violates a confidentiality, covenant not to
compete, or "no hire" or "no raid" agreement with the Company, its parent (if
any) or a direct or indirect Company subsidiary or affiliate, then the Company
shall have no obligation to pay any earned or unearned bonus or the payments
provided for in the first sentence of Section 4.A. hereof.

          G.   If this Agreement is operating under the month-to-month provision
of Section 1, any payment for unpaid future compensation shall in any case be
limited to the remainder of the month in which termination occurs, except as
provided in Subsections 4.A., 4.B., 4.C. or 4.F.

          H.   The foregoing rights in this Section 4 are Employee's exclusive
rights to payment from the Company in the event of termination of this Agreement
except for amounts

                                       5
<PAGE>

which the Company is required to pay under applicable statute or regulation,
payments under insurance policies, and payments owing under other written
agreement(s) (if any) between the Company and Employee.

     5.   Vacation; Benefits; Location.
          ----------------------------

          A.   Employee shall be entitled to such vacation time, in Employees'
discretion, as does not materially interfere with Employee's duties and
responsibilities hereunder.

          B.   The Company shall maintain and pay premiums for term insurance on
the life of Employee, in the amount of at least $2,000,000. Employee, in his
sole discretion, shall designate the beneficiary of such policy. An initial
quote for a five year policy has been delivered to the Company and Resource
Bancshares Corporation. This insurance is in addition to any insurance provided
for in the Shareholders Agreement.

          C.   Employee will receive an automobile allowance of $500 per month,
and in addition to the insurance provided for by Subsections 5.B. and 4.C., will
receive insurance (to the extent not redundant of the insurance provided for by
Subsections 5.B. and 4.C.) and other benefits, including participation in stock
option plans taking into account the aggregate of all options from time to time
granted to Employee and acknowledging the option grants to Employee on or about
the date of amendment hereof do not preclude future grants), as received by
employees with similar responsibility and compensation levels.

          D.   If this Agreement is in effect at and for six (6) months after
the time of the Company's initial public offering or at the time the Company is
a reporting company, pursuant to the Securities and Exchange Act of 1934, under
circumstances that would permit mandatory conversion of the Company's Series B
Preferred Stock pursuant to the Company's Amended and Restated Certificate of
Incorporation as in effect on February 10, 1997, then all options granted
pursuant to the Option Agreements (as defined above) shall vest and become
exercisable one day after the end of such six (6) month period.

     6.   Non-Competition.
          ---------------

          A.   The Company and the Employee recognize that the Employee has been
retained to occupy a position that constitutes part of the professional,
management and executive staff of the Company whose duties will include the
formulation and execution of management policy. The Employee, for and in
consideration of the payments, rights and benefits provided herein, agrees that
so long as he is employed by the Company and during the 18 month period
immediately thereafter, the Employee shall not, anywhere within the continental
United States or in any other market in which the Company is conducting business
at the time the Employee's employment with the Company is terminated, (i) work,
(ii) assist, (iii) own any interest, directly or indirectly and whether
individually or as a joint venturer, partner, member, officer, director,
shareholder, consultant, employee or otherwise, in or (iv) make a financial
investment, whether

                                       6
<PAGE>

in the form of equity or debt, in any business other than Spider Technologies,
Inc. if an affiliate of the Company, that is in the business of (i) inbound or
outbound telemarketing or teleservicing, (ii) outsourced teleservicing, and/or
(iii) such other business in which the Employee is actively involved with the
Company at or within six months before the termination of his employment (the
"Business"). The parties agree that, during such period, they shall not make
public statements in derogation of each other, except as may be required by law.
For the purposes of this Section 6 and Sections 7, 8, 9 and 10, the term "the
Company" shall be deemed to include any direct or indirect subsidiaries, parents
and affiliates of the Company other than Spider Technologies, Inc. if an
affiliate of the Company. This Subsection 6.A. shall no longer apply if both (i)
(A) the Employee has terminated this Agreement for Cause under Subsection 3.F.,
or the Company has terminated this Agreement, and (B) the Company has
obligations to make post-termination payments under this Agreement, and (ii)
after twenty (20) days notice by the Employee to the Company that the Company
has failed to make such post-termination payments, the Company has not cured
such failure to make payments.

          B.   Notwithstanding the foregoing, nothing herein shall prohibit the
Employee from holding 5% or less of any class of voting securities of any entity
whose equity securities are listed on a national securities exchange or
regularly traded in The Nasdaq National Market.

          C.   Upon the termination of the Employee's employment with the
Company, and for 18 months thereafter, the Employee shall immediately notify the
Company of each employment or agency relationship entered into by the Employee,
and each corporation, proprietorship or other entity formed or used by the
Employee, the business of which is directly or indirectly similar to or in
competition with the Business. The provisions of this Subsection 6.C. shall
survive termination of this Agreement for any reason.

          D.   The Employee agrees that the restrictions contained in this
Section 6 are reasonable as to time and geographic scope because of the nature
of the Business and the Employee agrees, in particular, that the geographic
scope of this restriction is reasonable because companies engaged in the
Business compete on a nationwide basis. The Employee acknowledges that the
Company is in direct competition with all other companies engaged in the
Business throughout the continental United States and other markets in which the
Company may be conducting business at the time the Employee's employment with
the Company is terminated, and because of the nature of the Business, the
Employee agrees that the covenants contained in this Section 6 cannot reasonably
be limited to any smaller geographic area.

     7.   Non-Raid.
          --------

          A.   The Employee acknowledges that the Company has invested
substantial time and effort in assembling its present staff of personnel. The
Employee agrees that so long as he is employed by the Company and during the 18
month period immediately thereafter, the Employee shall not either directly or
indirectly employ, solicit for employment, or advise or

                                       7
<PAGE>

recommend to any other person that such other person employ or solicit for
employment, any of the Company's employees.

          B.   The Employee acknowledges that all customers of the Company,
which the Employee has serviced or hereafter shall service during the Employee's
employment by the Company and all prospective customers from whom the Employee
has solicited or may solicit business while in the employ of the Company, shall
be solely the customers of the Company. The Employee agrees that so long as he
is employed by the Company and during the 18 month period immediately
thereafter, the Employee shall not either directly or indirectly solicit
business, as to products or services competitive with the Business of the
Company, from any of the Company's customers with whom the Employee had contact
during his employment with the Company.

          C.   The Employee agrees that so long as he is employed by the Company
and during the 18 month period immediately thereafter, the Employee shall not
either directly or indirectly interfere with any relationship between the
Company and any of its suppliers, clients or the Employees. The Employee agrees
that during such 18 month period, he will not influence or attempt to influence
any of the customers or clients of the Company not to do business with the
Company.

          D.   The Employee agrees that the restrictions contained in this
Section 7 are reasonable as to time and geographic scope because of the nature
of the Business and the Employee agrees, in particular, that the geographic
scope of this restriction is reasonable because companies engaged in the
Business compete on a nationwide basis. The Employee acknowledges that the
Company is in direct competition with all other companies engaged in the
Business throughout the continental United States and other markets in which the
Company may be conducting business at the time the Employee's employment with
the Company is terminated, and because of the nature of the Business, the
Employee agrees that the covenants contained in this Section 7 cannot reasonably
be limited to any smaller geographic area.

     8.   Blue Pencil Provision.  Employee acknowledges that the periods, scope
          ---------------------
and geographic area of restriction imposed by Section 6 and Section 7 are fair
and reasonable and are reasonably required for the protection of the Company. If
any part or parts of Section 6 or Section 7 shall be held to be unenforceable or
invalid, the remaining parts thereof shall nevertheless continue to be valid and
enforceable as though the invalid portion or portions were not a part hereof. If
any of the provisions of Section 6 or Section 7 relating to the scope, periods
of time or geographic area of restriction shall be deemed to exceed the maximum
scope, periods of time or geographic area which a court of competent
jurisdiction would deem enforceable, the scope, times and geographic area shall,
for the purposes of Section 6 and Section 7, be deemed to be the maximum scope,
time periods and geographic area which a court of competent jurisdiction would
deem valid and enforceable in any state in which such court of competent
jurisdiction shall be convened. The invalidity or unenforceability of any
provision of Section 6 or 7 in one jurisdiction shall not affects its validity
or enforceability in another jurisdiction.

                                       8
<PAGE>

     9.   Confidentiality.  Employee acknowledges that he has had and will have
          ---------------
access to certain information related to the business, operations, future plans
and customers of the Company, the disclosure or use of which could cause the
Company substantial losses and damages. Accordingly, Employee covenants that
during the term of his employment with the Company and thereafter he will keep
confidential all information and documents furnished to him by or on behalf of
the Company and not use the same to his advantage, except to the extent such
information or documents are lawfully obtained from other sources on a non-
confidential (as to the Company) basis or are in public domain through no fault
on his part or is consented to in writing by the Company. Upon termination of
his employment, Employee shall return to the Company all records, lists, files
and documents, or media and other Company property which are in his possession
and which relate to the Company.

     10.  Right to Injunctive Relief.  Employee agrees and acknowledges that a
          --------------------------
violation of the covenants contained in Sections 6, 7 and 9 of this Agreement
will cause irreparable damage to the Company, and that it is and may be
impossible to estimate or determine the damage that will be suffered by the
Company in the event of a breach by Employee of any such covenant. Therefore,
Employee further agrees that in the event of any violation or threatened
violation of such covenants, the Company shall be entitled as a matter of course
to an injunction out of any court of competent jurisdiction restraining such
violation or threatened violation by Employee, such right to an injunction to be
cumulative and in addition to whatever other remedies the Company may have.

     11.  Exceptions.  Employee may continue his activities with the following
          ----------
companies: Eden Financial Services, Inc. and its subsidiaries, and Trust Bank of
Colorado, each of which Employee is a shareholder and a director, and may invest
in and/or serve as a director for any other company, provided that such
activities do not materially interfere with Employee's duties and
responsibilities hereunder and such activities do not otherwise violate this
Agreement. All future Board of Director positions other than with the Company or
its subsidiaries must be approved by the Company's Board of Directors (which
approval will not be unreasonably withheld).

     12.  Delivery of Files.  At or immediately after termination hereof
          -----------------
Employee will deliver all files, records, disks, and other media with Company
information, to the Company.

     13.  Life Insurance.
          --------------

          A.   Prior to and after termination of his employment hereunder, the
Company shall permit Employee to assume premium payments on or to purchase any
life insurance policy on the life of Employee (whether or not issued in
connection with this Agreement) if the Company has decided to terminate such
policy or let such policy terminate and not immediately replaced such policy
with another policy. The Company shall provide Employee at least 30 days written
notice prior to such termination, during which time Employee may elect to
purchase the policy.

                                       9
<PAGE>

          B.   Upon termination of his employment hereunder, for any reason, for
a period of thirty (30) days after such termination Employee shall have the
right to assume premium payments on or to purchase from the Company the
$2,000,000 life insurance policy on the life of the Employee described in
Section 5.B.

          C.   The cost of purchase under subparagraph 13.A. or 13.B. shall be
the cash value of the policy (which in the case of normal term insurance will be
zero), plus all costs of transferring the policy, plus $100. If termination of
the Employee has been by the Company without Cause or by Employee for Cause,
then the Company shall continue to pay the policy premiums on such $2,000,000
policy for the same period as the Company is required to make payments under
Section 4.A.

          D.   The Company shall have no liability for a delay in transfer
caused by the insurance company, insurance agent, or Employee, and the Company
shall be entitled to all proceeds of any policy for death prior to the actual
date of transfer unless another person is named as beneficiary pursuant to a
right of designation granted to the Employee. The Company shall pay all premiums
during the period that the Company retains the policy as permitted by this
Section and shall make a good faith effort to obtain all consents to assign the
policy to Employee. The Company shall not be liable for premiums for periods
beyond the date that the policy would have been transferred to Employee if
Employee had cooperated in the transfer process, but shall give at least 10 days
notice advance notice of failure by the Company to pay any such premium.

     14.  Integration.  This Agreement shall constitute the entire Agreement
          -----------
relating to the employment of Employee. This Agreement shall be governed by the
laws of Colorado, excluding laws on choice of law. Any litigation regarding this
Agreement shall only be brought and heard in the federal or state courts located
in Denver, Colorado and no transfer of venue outside such area shall be
permitted.

     15.  Unenforceability.  If any paragraph or subparagraph of this Agreement
          ----------------
or any part thereof shall be unenforceable under any applicable laws,
notwithstanding such unenforceability the remainder of this Agreement shall
remain in full force and effect.

     16.  Binding.  This Agreement shall inure to the benefit of and be binding
          -------
upon, the Company and 80% or more owned subsidiaries of the Company. It may be
terminated by the Employee upon any merger, consolidation, sale of 90% or more
of the outstanding voting capital stock of the Company to one other person and
its affiliates, or a sale of 80% or more by fair market value of the assets of
the Company, and such termination shall be considered to be a termination by the
Company without Cause; provided, however, that this Agreement shall not
terminate upon a merger or consolidation, sale of assets, sale of shares, or
share exchange, pursuant to which shareholders of the Company receive or hold
51% or more of the voting capital stock of the combined entities or purchaser.
Employee acknowledges that the issuance by the Company of Series B Preferred
Stock in January or February 1997, issuance of stock of the

                                       10
<PAGE>

Company in connection with the acquisition of Protocall New Business
Specialists, Inc., and the issuance in January or February, 1997 of stock
options pursuant to the Company's 1997 Stock Option Plan, do not constitute a
termination under this Section.

     17.  Attorneys' Fees.  In the event of any legal or arbitration action or
          ---------------
proceeding to enforce or interpret the provisions hereof, the prevailing party
shall be entitled to reasonable attorneys' fees and costs, whether or not the
proceeding results in a final judgment.

     18.  Survival.  Terms which by their terms or sense are to survive
          --------
termination hereof shall so survive.

     19.  Notice.  Notices hereunder shall be in writing and sent to the
          ------
residence address of the Employee last provided to the Company, and to the then
current business address of the Company. Notices may be sent by first class U.S.
mail and shall be effective three (3) days after deposit. Notices sent by other
means shall be effective when actually delivered to the above-described address.

     20.  The Company acknowledges Employee's employment agreement with Spider
Technologies, Inc. ("Spider") and his contemplated equity interests in Spider.
That employment agreement as it exists on the date hereof or within 20 days
after the date hereof, and the performance of Employee's duties thereunder, and
Employee holding an equity position in Spider, does not violate the Employment
Agreement including any obligation of Employee to devote his full normal working
time to the Company or non-competition provisions. The Company will consult with
Employee if it believes Employee is devoting too much of his time, energy and
attention to the activities of Spider.

                                       11
<PAGE>

     IN WITNESS WHEREOF, the parties have executed this SECOND RESTATED AND
AMENDED MANAGEMENT EMPLOYMENT AGREEMENT as of the date first above written.

INTEK INFORMATION, INC.

By:/S/ PATRICK O'NEAL
   -----------------------------
Title:__________________________

EMPLOYEE

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

                                       12<PAGE>

                                                                   Exhibit 10.15

               SECOND AMENDED AND RESTATED EMPLOYMENT AGREEMENT
                               (FRANK RICHARDS)

     This SECOND AMENDED AND RESTATED EMPLOYMENT AGREEMENT is made as of January
13, 2000, and restates and amends the October 1, 1999 First Restated and Amended
Employment Agreement by and between Intek Information, Inc., a Delaware
corporation (the "Company"), and Franklin Richards ("Employee").  The term
"Intek" when used herein means Intek Information, Inc., a Delaware corporation,
and the term "Protocall" when used herein means the Intek subsidiary previously
known as Protocall New Business Specialists, Inc., a California corporation.

     WHEREAS, the Company previously employed Employee as its Chief Operations
Officer; and

     WHEREAS, Company desires to continue employ the Employee to perform the
duties of Strategic Operations Analyst of the Company as such duties may be
appropriately designated by the CEO of the Company from time to time; and

     WHEREAS, the Employee desires to be employed by the Company to perform such
duties upon the following terms and conditions.

                                   RECITALS

     A.   On February 14, 1997, as further amended as of October 1, 1999, the
Company and the Employee entered into an Employment Agreement (as amended, the
"First Amended and Restated Employment Agreement"); and

     B.   The Company and the Employee desire to amend and restate the First
Amended and Restated Employment Agreement in accordance with the terms and
conditions of this Agreement.

     NOW, THEREFORE, in consideration of the mutual covenants herein, the
parties agree as follows:

     1.   Salary.  The Company shall employ the Employee as its Strategic
          ------
Operations Analyst and Employee shall perform the herein described duties on a
nine (9) month basis starting January 1, 2000, and ending September 30, 2000
(the "Term"), at a gross salary of $13,750 per month in arrears, less
withholding, payable in accordance with the customary practices of the Company,
but not less than monthly. The gross monthly salary, as in effect from time to
time, is referred to as the "Base Salary". The Company will not pay Employee a
performance bonus during the Term or Extended Term (as hereinafter defined). In
the event the Company has not completed an initial public offering on or before
the expiration of the Term, Employee shall continue to be employed by Company
for a period of three (3) months (the "Extended Term"). During the Extended
Term, Employee shall by paid $13,750 per month in arrears, less withholding.
Employee will not receive any compensation or benefits from any subsidiary of
Intek unless so provided in a written agreement signed by the Chief Executive
Officer of Intek.

     2.   Duties.  The Employee shall during the term of his employment
          ------
 hereunder:

          A.   devote his time, energies and attention to the duties of his
               employment as will be agreed upon by Frank Richards and the CEO
               or the CEO's designee, as may be consistent with the position and
               office occupied by
<PAGE>

               Employee;

          B.   comply with all reasonable rules, regulations and administrative
               directions now or hereafter established by the Company;

          C.   be reimbursed by the Company from time to time (but at least
               monthly) for all reasonable and necessary business expenses
               incurred by him in the performance of his duties hereunder,
               provided that Employee shall render to the Company such accounts
               and vouchers covering expenditures as the Company reasonably
               requires or as are necessary for tax purposes, and shall follow
               normal Company policy on expenses;

          D.   not engage in any activity or employment which would reasonably
               be expected to materially conflict with or have a material
               adverse affect on, the present or prospective business of the
               Company; and

          E.   if requested by the Company, perform services for one or more
               Intek subsidiaries.

     3.   Termination.
          -----------

          A.   Mutual Agreement. This Agreement may be terminated at any time by
               ----------------
               the mutual agreement of the Company and Employee, expressed in
               writing.

          B.   Without Cause. The Company may terminate this Agreement at any
               -------------
               time without Cause upon twenty (20) days prior notice.

          C.   Disability or Death. The Company may terminate this Agreement
               -------------------
               upon the death or disability of Employee. For purposes of this
               Agreement, Employee shall be considered disabled if he is unable
               to perform his duties under this Agreement as a result of injury,
               illness or other disability for a period of one hundred eighty
               (180) consecutive days, or one hundred eighty (180) days in a
               three hundred sixty-five (365) day period, and the Board of
               Directors of the Company reasonably determines that Employee has
               been unable to perform his duties for the one hundred eighty
               (180) day period as a result of injury, illness or other
               disability.

          D.   For Cause by the Company. The Company may terminate this
               ------------------------
               Agreement for "Cause", as defined below, immediately upon written
               notice to Employee. "Cause" shall mean:

               (i)   If Employee materially violates any term of this Agreement
                     and such action or failure is not remedied or reasonable
                     steps to fully effect such remedy are not commenced within
                     twenty (20) days of written notice;

                                      -2-
<PAGE>

               (ii)  Dishonesty which is not the result of an inadvertent or
                     innocent mistake of Employee with respect to the Company or
                     any of its subsidiaries;

               (iii) Willful misfeasance or nonfeasance of duty by Employee
                     intended to injure or having the effect of injuring in some
                     material fashion the reputation, business or business
                     relationships of the Company or any of its subsidiaries or
                     any of their respective officers, directors or employees;

               (iv)  Conviction or indictment of Employee upon a charge of any
                     crime involving moral turpitude or a crime other than a
                     vehicle offense which could reflect in some material
                     fashion unfavorably upon the Company or any of its
                     subsidiaries; or

               (v)   Failure, neglect or refusal by the Employee to perform his
                     duties and responsibilities without the same being
                     corrected upon twenty (20) days prior written notice.

          E.   For Cause by the Employee. If the Company materially violates any
               -------------------------
               term of this Agreement and such action or failure is not remedied
               after twenty (20) days written notice, Employee may terminate his
               employment immediately upon written notice to the Company. Such
               termination is a termination by Employee for Cause.

     4.   Payments at Termination.
          -----------------------

          A.   Upon termination of this Agreement by Employee pursuant to
               Subsection 3.E. titled "For Cause by the Employee," or by Company
               pursuant to Subsection 3.B. titled "Without Cause," Employee
               shall receive monthly payments at the rate of his last Base
               Salary prior to termination ("Applicable Base Salary") through
               the scheduled termination date of this Agreement, beginning in
               the month of such termination. Employee shall also receive all
               accrued compensation and unreimbursed expenses to the date of
               termination as provided herein. The monthly payments provided for
               in this Subsection shall be paid on a monthly basis at the time
               of the Company's regular payroll and shall not be reduced by
               compensation the Employee may receive from other sources.

          B.   If the Company terminates this Agreement due to disability under
               Subsection 3.C. titled "Disability or Death," Employee shall
               receive the disability payments provided for by the Company's
               disability insurance policy. The Company shall maintain a
               disability insurance policy providing for annual payments at the
               rate of sixty percent (60%) of

                                      -3-
<PAGE>

               Employee's Base Salary or the maximum legal amount, whichever is
               less, until the earliest of the end of disability, Employee's
               death or the date Employee attains 65 years of age, provided that
               such disability policy can be obtained without unreasonable
               expense to the Company. The Company shall also pay all accrued
               compensation and unreimbursed expenses to the date of termination
               as provided herein. The monthly payments provided for in this
               subsection shall be paid at such times payments are made under
               the disability policy provided for in this Subsection. Except as
               required by such policy or applicable law, payments shall not be
               reduced by compensation the Employee may receive from other
               sources.

          C.   If this Agreement is terminated under Subsection 3.A., titled
               "Mutual Agreement," or if this Agreement is terminated by the
               Company under Subsection 3.D. titled "For Cause by the Company,"
               Employee shall not be entitled to any further payments except
               unreimbursed expenses to the date of termination as provided
               herein, any accrued compensation and as provided in Section 4.F.

          D.   In each of the foregoing cases, termination is the date of actual
               termination, not the date notice of termination is given. Other
               than payments owing under a provision providing for payments at a
               different time, all payments for accrued unpaid monthly
               compensation shall be made within ten (10) days after the end of
               the month following the month in which termination occurred and
               all payments for reimbursement shall be made within fifteen (15)
               days after the end of the month following the month in which
               termination occurred. Payments not made when due shall bear
               interest at the rate of 15% per annum.

          E.   The foregoing rights in this Section 4 are Employee's exclusive
               rights to payment from the Company in the event of termination of
               this Agreement except for amounts which the Company is required
               to pay under applicable statute or regulation, payments under
               insurance policies, and payments owing under other written
               agreement(s), if any, between the Company and Employee.

     5.   Vacation; Benefits.
          ------------------

          A.   Employee is currently making premium payments on the life
               insurance policy referred to in Paragraph 5(B) of the First
               Amended and Restated Employment Agreement and has been reimbursed
               on a regular basis by Company for that expense. Employee shall no
               longer be entitled to reimbursement for those premium payments.

          B.   Employee will not receive an automobile allowance or receive
               additional

                                      -4-
<PAGE>

               vacation benefits during the Term or Extended Term of this
               Agreement.

          C.   Notwithstanding the foregoing, Employee shall continue to
               participate in Company health benefit plans at the level he is
               currently participating for the duration of the Term and any
               Extended Term.

     6.   Non-Competition.
          ---------------

          A.   The Company and the Employee recognize that, to date, the
               Employee has occupied a position that constitutes part of the
               professional, management and executive staff of the Company,
               whose duties will include the formulation and execution of
               management policy. The Employee, for and in consideration of the
               payments, rights and benefits provided herein, agrees that so
               long as he is employed by the Company and during the two-year
               period immediately thereafter, the Employee shall not, anywhere
               within the continental United States or in any other market in
               which the Company is conducting business at the time the
               Employee's employment with the Company is terminated, (i) work,
               (ii) assist, (iii) own any interest, directly or indirectly and
               whether individually or as a joint venturer, partner, member,
               officer, director, shareholder, consultant, employee or
               otherwise, in or (iv) make a financial investment (except as
               outlined below in Section 6.B.) whether in the form of equity or
               debt, in any business that is in the business of (i) inbound or
               outbound telemarketing or teleservicing, (ii) outsourced
               teleservicing, and/or (iii) such other business in which the
               Employee is actively involved with the Company at or within six
               months before the termination of his employment (the "Business").
               The parties agree that, during such period, they shall not make
               public statements in derogation of each other, except as may be
               required by law. For the purposes of this Section 6 and Sections
               7, 8, 9 and 10, the term "the Company" shall be deemed to include
               any direct or indirect subsidiaries, parents and affiliates of
               the Company other than Spider Technologies, Inc. if Employee has
               a non-compete agreement with Spider Technologies, Inc. This
               Subsection 6.A. shall no longer apply to the period after
               termination if both (i) (A) the Employee has terminated this
               Agreement for Cause under Subsection 3.E., or the Company has
               terminated this Agreement, and (B) the Company has obligations to
               make post-termination payments under this Agreement, and (ii)
               after twenty (20) days notice by the Employee to the Company that
               the Company has failed to make such post-termination payments,
               the Company has not cured such failure to make payments.

          B.   Notwithstanding the foregoing, nothing herein shall prohibit the
               Employee from holding 5% or less of any class of voting
               securities of any entity whose equity securities are listed on a
               national securities exchange or regularly traded in The Nasdaq
               National Market. In addition, nothing

                                      -5-
<PAGE>

               herein shall prohibit Employee from holding 10% or less of any
               class of voting securities of any private entity, provided such
               investment does not provide Employee with an effective
               controlling interest in the entity. Employee shall be entitled to
               hold an unlimited number of non-voting securities of any private
               entity, provided such investment does not provide Employee with
               an effective controlling interest in the entity.

          C.   Upon the termination of the Employee's employment with the
               Company, and for one year thereafter, the Employee shall
               immediately notify the Company of each employment or agency
               relationship entered into by the Employee, and each corporation,
               proprietorship or other entity formed or used by the Employee,
               the business of which is directly or indirectly similar to or in
               competition with the Business. The provisions of this Subsection
               6.C. shall survive termination of this Agreement for any reason.

          D.   The Employee agrees that the restrictions contained in this
               Section 6 are reasonable as to time and geographic scope because
               of the nature of the Business and the Employee agrees, in
               particular, that the geographic scope of this restriction is
               reasonable because companies engaged in the Business compete on a
               nationwide basis. The Employee acknowledges that the Company is
               in direct competition with all other companies engaged in the
               Business throughout the continental United States and other
               markets in which the Company may be conducting business at the
               time the Employee's employment with the Company is terminated,
               and because of the nature of the Business, the Employee agrees
               that the covenants contained in this Section 6 cannot reasonably
               be limited to any smaller geographic area.

          E.   For purposes of this Section 6, Company shall be defined as Intek
               Information, Inc. and its business operations and activities as
               they presently exist.

     7.   Non-Raid.
          --------

          A.   The Employee acknowledges that the Company has invested
               substantial time and effort in assembling its present staff of
               personnel. The Employee agrees that so long as he is employed by
               the Company and during the two-year period immediately
               thereafter, the Employee shall not either directly or indirectly
               employ, solicit for employment, or advise or recommend to any
               other person that such other person employ or solicit for
               employment, any of the Company's employees.

          B.   The Employee acknowledges that all customers of the Company,
               which the Employee has serviced or hereafter shall service during
               the

                                      -6-
<PAGE>

               Employee's employment by the Company and all prospective
               customers from whom the Employee has solicited or may solicit
               business while in the employ of the Company, shall be solely the
               customers of the Company. The Employee agrees that so long as he
               is employed by the Company and during the two-year period
               immediately thereafter, the Employee shall not either directly or
               indirectly solicit business, as to products or services
               competitive with the Business of the Company, from any of the
               Company's customers with whom the Employee had contact during his
               employment with the Company.

          C.   The Employee agrees that so long as he is employed by the Company
               and during the two-year period immediately thereafter, the
               Employee shall not either directly or indirectly interfere with
               any relationship between the Company and any of its suppliers,
               clients or the Employees. The Employee agrees that during such
               two-year period, he will not influence or attempt to influence
               any of the customers or clients of the Company not to do business
               with the Company.

          D.   The Employee agrees that the restrictions contained in this
               Section 7 are reasonable as to time and geographic scope because
               of the nature of the Business and the Employee agrees, in
               particular, that the geographic scope of this restriction is
               reasonable because companies engaged in the Business compete on a
               nationwide basis. The Employee acknowledges that the Company is
               in direct competition with all other companies engaged in the
               Business throughout the continental United States and other
               markets in which the Company may be conducting business at the
               time the Employee's employment with the Company is terminated,
               and because of the nature of the Business, the Employee agrees
               that the covenants contained in this Section 7 cannot reasonably
               be limited to any smaller geographic area."

          E.   For purposes of this Section 7, Company shall be defined as Intek
               Information, Inc. and its business operations and activities as
               they presently exist.

     8.   Blue Pencil Provision.  Employee acknowledges that the scope, periods
          ---------------------
and geographic area of restriction imposed by Section 6 and Section 7 are fair
and reasonable and are reasonably required for the protection of the Company.
If any part or parts of Section 6 or Section 7 shall be held to be unenforceable
or invalid, the remaining parts thereof shall nevertheless continue to be valid
and enforceable as though the invalid portion or portions were not a part
hereof.  If any of the provisions of Section 6 or Section 7 relating to the
scope, periods or geographic area of restriction shall be deemed to exceed the
maximum scope, periods of time or area which a court of competent jurisdiction
would deem enforceable, the scope, times and area shall, for the purposes of
Section 6 and Section 7, be deemed to be the maximum scope, time periods and
area which a court of competent jurisdiction would deem valid and enforceable

                                      -7-
<PAGE>

in any state in which such court of competent jurisdiction shall be convened.
The invalidity or unenforceability of any provision hereof in one jurisdiction
shall not affect its validity or enforceability in another jurisdiction.

     9.   Confidentiality.  Employee acknowledges that Employee has had and will
          ---------------
have access to certain information related to the business, operations, future
plans and customers of the Company, the disclosure or use of which could cause
the Company substantial losses and damages.  Accordingly, Employee covenants
that during the term of Employee's employment with the Company and thereafter
Employee will keep confidential all information and documents furnished to
Employee by or on behalf of the Company and not use the same to Employee's
advantage, except to the extent such information or documents are lawfully
obtained from other sources on a non-confidential (as to the Company) basis or
are in the public domain through no fault on Employee's part or is consented to
in writing by the Company.  Upon termination of Employee's employment, Employee
shall return to the Company all records, lists, files, disks, documents, media
and other Company property which are in Employee's possession and which relate
to the Company or its business.

     10.  Right to Injunctive Relief.  Employee agrees and acknowledges that a
          --------------------------
violation of the covenants contained in Sections 6, 7 or 9 of this Agreement
will cause irreparable damage to the Company, and that it may be impossible to
estimate or determine the damage that will be suffered by the Company in the
event of a breach by Employee of any such covenant.  Therefore, Employee further
agrees that in the event of any violation or immediately threatened violation of
such covenants, the Company shall be entitled as a matter of course to an
injunction from any court of competent jurisdiction restraining such violation
or threatened violation by Employee, such right to an injunction to be
cumulative and in addition to whatever other remedies the Company may have.

     11.  Life Insurance; Stock Repurchase.  Employee hereby is on notice that
          --------------------------------
the Company shall give Employee the opportunity to assume premium payments for
and have assigned to him (provided he qualifies as an assignee) that insurance
policy described in Paragraph 12D of the First Amended and Restated Employment
Agreement.  Within 30 days of this Agreement, Company shall have no obligation
to maintain or continue to pay for such policy.

     12.  Company Performance Bonus. If the 20 day average trading price on the
          -------------------------
principal market for Intek's common stock has exceeded $10.00 per share (the
"Trigger Value") then the Company shall pay a one-time cash bonus to Employee of
$380,472.  If prior to the end of such 20 day period Intek subdivides or
combines its common stock or pays a dividend or makes any other distribution
with respect to common stock payable in common stock or securities convertible
into common stock, the Company shall make appropriate adjustment to the Trigger
Value.  The trading price of a share of common stock on any date shall be the
average of the representative closing bid and asked prices, as quoted by the
National Association of Securities Dealers through NASDAQ (its automated system
for reporting quotes) for the date in question or, if the common stock is listed
on the NASDAQ National Market System or is listed on a national stock exchange,
the officially quoted closing price on NASDAQ or such exchange, as

                                      -8-
<PAGE>

the case may be, on the date in question.

     13.  Integration; Forum. This Agreement together with the Merger Agreement
          ------------------
(as defined below) and the Employee's Stock Option Agreement shall constitute
the entire Agreement relating to the employment of Employee.  This Agreement
shall be governed by the laws of Colorado, excluding laws on choice of law.
This Agreement specifically supersedes any employment arrangements, or other
compensation arrangement (including bonus, option, appreciation, benefit or
commission arrangements) including but not limited to any employment related
agreement with Protocall New Business Specialists, Inc., a California
corporation.  Any litigation regarding this Agreement shall only be brought and
heard in the federal or state courts located in Denver, Colorado and no transfer
of venue outside such area shall be permitted.  If the Company is enforcing any
provision hereof which is similar to a provision in the Agreement and Plan of
Reorganization ("Merger Agreement") between Intek and Protocall (including, but
not limited to, non-compete, confidentiality and no-hire provisions) and
Employee was a party to such Merger Agreement, the Company may require the
resolution of such issues to be decided in the arbitration or litigation
conducted under such Merger Agreement.  Termination of this Agreement or any
provision hereof, including Sections 6, 7 and 9, does not effect any similar
provision in the Merger Agreement, including any non-compete covenant, provided,
however, that the provisions of Sections 6 and 7 hereof relating to the time
periods for the effectiveness of the agreements addressed in such sections,
shall control over a longer time period in the corresponding provision of the
Merger Agreement.  In all other respects the agreements in the Merger Agreement
(including, but not limited to, non-compete, confidentiality and no-hire
provisions) are separate and independent of this Agreement.

     14.  Unenforceability. If any paragraph or subparagraph of this Agreement
          ----------------
or any part thereof shall be unenforceable under any applicable laws,
notwithstanding such unenforceability the remainder of this Agreement shall
remain in full force and effect.

     15.  Merger or Sale. This Agreement shall inure to the benefit of and be
          --------------
binding upon the Company and may be assigned by the Company to a parent or
subsidiary of the Company and by such an entity to the Company or a parent or
subsidiary of the Company. It may be terminated by the Company or by the
Employee upon any merger, consolidation, or sale or exchange of 90% or more of
the outstanding voting capital stock of the Company to one other person and its
affiliates, or a sale of 80% or more by fair market value of the consolidated
assets of the Company, and such termination shall be considered to be a
termination by the Company (and with termination payments to be made under
Section 4.A.); provided, however, that this Section 15 shall not apply to a
merger or consolidation, sale of assets, sale of shares, or share exchange,
pursuant to which shareholders of the Company receive or hold 51% or more of the
voting capital stock of the combined entities or purchaser. The vesting of
Employee's options upon such an event shall be governed by the Company's stock
option plan and not Subsection 4.A. hereof. Employee acknowledges that the
issuance by the Company of Series B Preferred Stock in January and February
1997, issuance of stock of the Company in connection with the acquisition of
Protocall New Business Specialists, Inc., and the issuance in January and
February 1997 of stock options pursuant to the Company's 1997 Stock Option Plan,
do not constitute a termination under this Section.

                                      -9-
<PAGE>

     16.  Attorneys' Fees.  In the event of any legal or arbitration action or
          ---------------
proceeding to enforce or interpret the provisions hereof, the prevailing party
shall be entitled to reasonable attorneys' fees and costs, and other costs and
expenses incurred in the action or proceeding, whether or not the proceeding
results in a final judgment.

     17.  Survival.  Terms which by their terms or sense are to survive
          --------
termination hereof shall so survive.

     18.  Notice.  Notices hereunder shall be in writing and sent to the
          ------
residence address of the Employee last provided to the Company, and to the
Company at the then current business address of Intek.  Notices may be sent by
first class U.S. mail and shall be effective three (3) days after deposit.
Notices sent by other means shall be effective when actually delivered to the
above-described address.

     19.  Inventions.  Employee agrees that any invention made or conceived by
          ----------
him during his employment with Company and any improvement on any such
invention, during or subsequent to his employment, shall be assigned to Company
and shall become the sole and exclusive property of Company; PROVIDED, however,
that this agreement to assign rights to certain inventions to Company does not
apply to any invention for which no equipment, supplies, facility or trade
secret information of Company was used and which was developed entirely on
Employee's own time, and (1) which does not relate (a) directly to the business
of Company or (b) to Company's actual or demonstrably anticipated research or
development, or (2) which does not result from any work performed by Employee
for Company.  Employee further agrees to assist Company during and subsequent to
his employment entirely at Company's expense in obtaining patents or
intellectual property rights for his inventions in any and all countries and to
execute all patent applications and assignments relating to his inventions. For
purposes of this Section 19, Company shall be defined as Intek Information, Inc.
and its business operations and activities as they presently exist.

     20.  Stock Options.  Employee, over the course of his employment, has had
          -------------
several grants of options from the Company.

          A.   Employee was granted an option to purchase 525,000 shares of
               common stock as evidenced by the Incentive Stock Option
               Agreement, dated February 14, 1997 ("First Option Agreement").
               Employee was also granted an additional option to purchase 30,208
               shares of common stock as evidenced by the Incentive Stock Option
               Agreement (the "Second Option Agreement") and 19,792 shares of
               common stock as evidenced by the Non-Statutory Stock Option
               Agreement (the "Third Option Agreement"), both of which are dated
               May 7, 1998. Such option shall continue to vest as scheduled in
               the respective option agreements.

          B.   Employee was granted an additional option to purchase 300,000
               shares of common stock on or about September 1, 1999. No options
               have vested

                                      -10-
<PAGE>

               pursuant to that grant. The parties agree that this grant made by
               the Company on or about September 1, 1999 is rescinded and
               Company shall have no further obligation to Employee for that
               grant.

     21.  Notes.
          -----

          A.   On or about November 20, 1996, Employee gave Company a Promissory
               Note in the Principal amount of $29,027.80 (the "First Promissory
               Note"). The parties hereto agree that such First Promissory Note
               is hereby amended such that Paragraph Numbers 1, 2, and 3 shall
               be replaced with the following provision:

                    This Promissory Note will be due and payable in full upon
                    the earliest of the following: (1) November 20, 2003; or (2)
                    whenever employee is permitted to sell his stock under Rule
                    144 in an amount equal to or greater than the principal
                    balance, regardless of whether he in fact sells any stock or
                    options in the Company. The note shall not be due and
                    payable upon termination of employment and thus Paragraph
                    No. 1 is hereby deleted.

               All other terms and conditions set forth in the First Promissory
               Note shall remain in full force and effect.

          B.   On or about September 21, 1999, Employee gave Company a
               Promissory Note in the Principal amount of $33,000.00 (the
               "Second Promissory Note"). The parties hereto agree that the
               Second Promissory Note is hereby amended such that the third full
               paragraph shall be deleted and replaced with the following
               language:

                    The outstanding principal balance, together with any accrued
                    and unpaid interest, shall be due and payable in full on the
                    earlier of: (1) November 30, 2003 (the "Maturity Date"); or,
                    (2) whenever employee is permitted to sell his stock under
                    Rule 144 in an amount equal to or greater than the principal
                    balance, regardless of whether he in fact sells any stock or
                    options in Intek.

               All other terms and conditions set forth in the Second Promissory
               Note shall remain in full force and effect.

     22.  Release.  In consideration of the creation of this Agreement and the
          -------
benefits contained herein, Employee fully and finally releases, waives and
discharges all claims, and causes of action of any sort which he may have as an
employee of the Company against the Company, known or unknown, including but not
limited to, claims arising from or related to his relationship with the Company
from the beginning of time through the date of this Agreement. This release
includes but is not limited to claims arising under any federal, state, local,
common,

                                      -11-
<PAGE>

tort or other laws or regulations, specifically Title VII of the Civil Rights
Act of 1964, breach of express or implied contract claims, fraud, intentional
infliction of emotional distress and breach of an express or implied covenant of
good faith and fair dealing.

     23.  Resignation as Officer and Director.  Employee hereby resigns as an
          -----------------------------------
officer and director of the Company effective immediately. No further document
evidencing such resignation shall be necessary.

     24.  Headings. The headings of paragraphs herein are intended solely for
          --------
the convenience of reference and shall not control the meaning or interpretation
of any of the provisions of this agreement.

     25.  Amendment.  The terms of the First Amended and Restated Employment
          ---------
Agreement shall be of no further force or effect.

     IN WITNESS WHEREOF, the parties have executed this Second Amended and
Restated Employment Agreement as of the date first above written.

INTEK INFORMATION, INC.

By: /S/ TIMOTHY C. O'CROWLEY
   -------------------------
     Timothy C. O'Crowley
     Title: Chief Executive Officer

EMPLOYEE

/S/ FRANKLIN D. RICHARDS
------------------------
Franklin D. Richards

                                      -12-

Source: [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00000-of-00352.parquet"}, [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00000-of-00352.parquet"}]]