Document:

<PAGE>

                                                                    EXHIBIT 10.4

                                   PROMISSORY NOTE
<TABLE>
<CAPTION>
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 Principal    Loan Date   Maturity   Loan No.  Call  Collateral  Account  Office  Initial
<S>          <C>         <C>         <C>       <C>   <C>         <C>      <C>     <C>
$100,000.00  07-16-1999  01-16-2000   3035218   522      522      107799   JIMS
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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 items above containing """"" has been omitted due to text length limitations.
-----------------------------------------------------------------------------------------

</TABLE>

Borrower: Heartsoft Software Company    Lender:   Tulsa National Bank
          (TIN: 73-1391467)                       7120 S. Lewis
          3101 North hemlock Circle               P.O. Box 1051
          Broken Arrow, OK 74012                  Tulsa, Ok 74136
                                                  (918) 484-4884

<TABLE>
-----------------------------------------------------------------------------------------
<S>                <C>          <C>            <C>     <C>           <C>
Principal Amount:  $100,000.00  Initial Rate:  9.250%  Date of Note: July 16, 1999

</TABLE>

PROMISE TO PAY:  Heartsoft Software Company ("Borrower") promises to pay to
Tulsa National Bank ("Lender"), or order, in lawful money of the United
States of America, the principal amount of One Hundred Thousand & 00/100
Dollar ($100,000.00) or so much as may be outstanding, together with interest
on the unpaid outstanding principal balance of each advance.  Interest shall
be calculated from the date of each advance until repayment of each advance.

PAYMENT:  Borrower will pay this loan in one payment of all outstanding
principal plus all accrued unpaid interest on January 16, 2000.  In addition,
Borrower will regular monthly payments of all accrued unpaid interest due as
of each payment date, beginning August 16, 1999, with all subsequent interest
payments to be due on the same day of each month after that.  Unless
otherwise agreed or required by applicable law, payments will be applied
first to accrued unpaid interest, then to principal, and any remaining amount
to any unpaid collection costs.  The annual interest rate for this Note is
computed on a 365/360 basis; that is, by applying the ratio of the annual
interest rate over a year of 360 days, multiplied by the outstanding
principal balance, multiplied by the actual number of day the principal
balance is outstanding.  Borrower will pay Lender at Lender's address shown
above or at such other place as Lender may designate in writing.

VARIABLE INTEREST RATE:  The interest rate on this Note is subject to change
from time to time based on changes in any independent index, which is the
Prime Interest rate as published in the money section of the Wall Street
Journal (the "Index"). The Index is not necessarily the lowest rate charged
by Lender on its loans.  If the Index becomes unavailable during the term of
this loan, Lender may designate a substitute index after notice to Borrower.
Lender will tell Borrower the current index rate upon Borrower's request.
The interest rate change will not occur more often than each Day.  Borrower
understands that Lender may make loans based on other rates as well.  The
Index currently is 8.000% per annum.  The interest rate to be applied to the
unpaid principal balance of this Note will be at a rate of 1.250 percentage
points over the Index, resulting in an initial rate of 9.250% per annum.
NOTICE:  Under no circumstances will the interest rate on this Note be more
than the maximum rate allowed by applicable law.

PREPAYMENT:  Borrower may pay without penalty all or a portion of the amount
owned earlier than it is due.  Early payments will not, unless agreed to by
Lender in writing, relieve Borrower or Borrower's obligation to continue to
make payments of accrued unpaid interest.  Rather, early payments will reduce
the principal balance due.  Borrower agrees not to send Lender payments
marked "paid in full," "without recourse," or similar language.  If Borrower
sends such a payment, Lender may accept it without losing any of Lender's
rights under this Note, and Borrower will remain obligated to pay any further
amount owed to Lender.  All written communications concerning disputed
amounts, including any check or other payment instrument that indicates that
the payment constitutes "payment in full" of the amount owned or that is
tendered with other

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                                                                          Page 2
                                PROMISSORY NOTE
                                  (CONTINUED)

================================================================================
conditions or limitations or as full satisfaction of a disputed amount must
be mailed or delivered to: Tulsa National Bank, 7120 S. Lewis, P.O. Box 1051,
Tulsa, OK 74136.

INTEREST AFTER DEFAULT:  Upon default, including failure to pay upon final
maturity, Lender, at its option, may, if permitted under applicable law,
increase the variable interest rate on this Note to 21.000% per annum.  The
interest rate will not exceed the maximum rate permitted by applicable law.

DEFAULT:  Each of the following shall constitute an event of default ("Event
of Default") under this Note:

          Payment Default.  Borrower fails to make any payment when due under
          this Note.

          Other Defaults.  Borrower fails to comply with or to perform any other
          term, obligations, covenant or condition contained in this Note or in
          any of the related documents or to comply with or to perform any term,
          obligation, covenant or condition contained in any other agreement
          between Lender and Borrower.

          False Statements.  Any warranty, representation or statement  made or
          furnished to Lender by Borrower or on Borrower's behalf under this
          Note or the related documents is false or misleading in any material
          respect, either now or at the time made or furnished or becomes false
          or misleading at any time thereafter.

          Insolvency.  The dissolution or termination of Borrower's existence as
          a going business, the insolvency of Borrower, the appointment of a
          receiver for any part of Borrower's property, any assignment for the
          benefit of creditors, any type of creditor workout, or the
          commencement of any proceeding under any bankruptcy or insolvency laws
          by or against Borrower.

          Creditor or Forfeiture Proceedings.  Commencement of foreclosure or
          forfeiture proceedings, whether by judicial proceeding, self-help,
          repossession or any other method, by any creditor of Borrower or by
          any governmental agency against any collateral securing the loan. This
          includes a garnishment of any of Borrower's accounts, including
          deposit accounts, with Lender. However, this Event of Default shall
          not apply if there is a good faith dispute by Borrower as to the
          validity or reasonableness of the claim which is the basis of the
          creditor or forfeiture proceeding and if Borrower gives Lender written
          notice of the creditor or forfeiture proceeding and deposits with
          Lender monies or a surety bond for the creditor or forfeiture
          proceeding, in an amount determined by Lender, in its sole discretion,
          as being an adequate reserve or bond for the dispute.

          Events Affecting Guarantor.  Any of the preceding events occurs with
          respect to any Guarantor of any of the indebtedness or any Guarantor
          dies, or becomes incompetent, or revokes or disputes the validity of,
          or liability under, any guaranty of the indebtedness.

          Change in Ownership.  Any change in ownership of twenty-five percent
          (25%) or  more of the common stock of Borrower.

          Adverse Change.  A material adverse change occurs in Borrower's
          financial condition, or Lender believes the prospect of payment or
          performance of this Note is impaired.

          Insecurity.  Lender in good faith believes itself insecure.

LENDER'S RIGHTS.  Upon default, Lender may declare the entire principal
balance on this Note and all accrued unpaid interest immediately due, and
then Borrower will pay that amount.

ATTORNEYS' FEES; EXPENSES.  Lender may hire or pay someone else to help
collect the loan if Borrower does not pay.  Borrower also will pay Lender
that amount.  This includes, subject to any limits under applicable law,
Lender's attorneys' fees and Lender's legal expenses, whether or not there is a

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                                                                          Page 3
                                PROMISSORY NOTE
                                  (CONTINUED)

================================================================================
lawsuit, including without limitation all attorneys' fees and legal
expenses for bankruptcy proceedings (including efforts to modify or vacate
any automatic stay or injunction), and appeals.  If not prohibited by
applicable law, Borrower also will pay any court costs, in addition to all
other sums provided by law.

GOVERNING LAW.  This Note will be governed by, construed and enforced in
accordance with federal law and the laws of the State of Oklahoma.  This Note
has been accepted by Lender in the State of Oklahoma.

RIGHT OF SETOFF.  Borrower grants to Lender a contractual security interest
in all Borrower's accounts with Lender (whether checking, savings, or some
other account). This includes all accounts Borrower holds jointly with
someone else and all accounts Borrower may open in the future.  However, this
does not include any IRA or Keogh accounts, or any trust accounts for which
the grant of a security interest would be prohibited by law.  Borrower
authorizes Lender, to the extent permitted by applicable law, to charge or
setoff all sums owing on the indebtedness against any and all such accounts,
and, at Lender's option, to administratively freeze all such accounts to
allow Lender to protect Lender's charge and setoff rights provided in this
paragraph.

LINE OF CREDIT.  This Note evidences a revolving line of credit.  Advances
under this Note, as well as directions for payment from Borrower's accounts,
may be requested orally or in writing by Borrower or by au authorized person.
 Lender may, but need not, require that all oral requests be confirmed in
writing.  Borrower agrees to be liable for all sums either: (A) advanced in
accordance with the instructions of an authorized person or (B) credited to
any of Borrower's accounts with Lender.  The unpaid principal balance owing
on this Note at any time may be evidenced by endorsements on this Note or by
Lender's internal records, including daily computer printouts.  Lender will
have no obligation to advance funds under this Note if: (A) Borrower or any
guarantor is in default under the terms of this Note or any agreement that
Borrower or any guarantor has with Lender, including any agreement made in
connection with the signing of this Note; (B) Borrower or any guarantor
ceases doing business or is insolvent; (C) any guarantor seeks, claims or
otherwise attempts to limit, modify or revoke such guarantor's guarantee of
this Note or any other loan with Lender; (D) Borrower has applied funds
provided pursuant to this Note for purposes other than those authorized by
Lender; or (E) Lender in good faith believes itself insecure.

GENERAL PROVISIONS.  Lender may delay or forgo enforcing any of its rights or
remedies under this Note without losing them.  Borrower and any other person
who signs, guarantees or endorses this Note, to the extent allowed by law,
waive presentment, demand for payment, and notice of dishonor.  Upon any
change in the terms of this Note, and unless otherwise expressly stated in
writing, no party who signs this Note, whether as maker, guarantor,
accommodation maker or endorser, shall be released from liability.  All such
parties agree that Lender may renew or extend (repeatedly and for any length
of time) this loan or release any party or guarantor or collateral; or
impair, fail to realize upon or perfect Lender's security interest in the
collateral; and take any other action deemed necessary by Lender without the
consent or of notice to anyone.  All such parties also agree that Lender may
modify this loan without the consent of or notice to anyone other than the
party with whom the modification is made.  The obligations under this Note
are joint and several.

PRIOR TO SIGNING THIS NOTE, BORROWER READ AND UNDERSTOOD ALL THE PROVISIONS
OF THIS NOTE, INCLUDING THE VARIABLE INTERSET RATE PROVISIONS. BORROWER
AGREES TO THE TERMS OF THE NOTE.

<PAGE>

                                                                          Page 4
                                PROMISSORY NOTE
                                  (CONTINUED)

================================================================================
BORROWER ACKNOWLEDGES RECEIPT OF A COMPLETED COPY OF THIS PROMISSORY NOTE.

BORROWER:

HEARTSOFT SOFTWARE COMPANY

By:  /s/ Benjamin P. Shell                  By:  /s/ Jimmy Butler
     --------------------------------            -------------------------------
     Benjamin P. Shell, Chairman of              Jimmy Butler, Vice President of
     Heartsoft Software Company                  Heartsoft Software Company<PAGE>

                                                                    EXHIBIT 10.5
<TABLE>
<CAPTION>

PROMISSORY NOTE - FIXED OR VARIABLE RATE - COMMERCIAL
-------------------------------------------------------------------------------------------------------------
 <S>                         <C>                    <C>                 <C>                <C>
 DEBTOR'S  NAME AND          NOTE NUMBER            DATE OF NOTE        MATURITY DATE      PRINCIPAL AMOUNT
 ADDRESS                     0101                   12/16/98            12/16/99           $100,000.00
-------------------------------------------------------------------------------------------------------------
 Heartsoft Software Company  CUSTOMER NUMBER        / /  NEW LOAN                          OFFICER
 3101 N. Hemlock Circle      6533450                :    RENEWAL OF LOAN(S) NUMBER                SLW
 Broken Arrow, OK 74102
-------------------------------------------------------------------------------------------------------------

                             / /  Fixed Interest Rate of _______ Per Annum, Interest Payable: ____________
                             / /  Variable Interest Rate   1.500% above Chase Manhattan Bank Prime Rate
                                  Initial Rate:  9.250% Interest Payable     MONTHLY
-------------------------------------------------------------------------------------------------------------

                             COLLATERAL  CATEGORIES: Bonds, Stock, Inventory,        SOCIAL SECURITY NUMBER:
                             Equipment, Furniture & Trade Fixtures                     73-1391467
-------------------------------------------------------------------------------------------------------------

 PAYMENT TERMS               Accrued interest due and payable MONTHLY, beginning     PURPOSE
                             01/16/99 and MONTHLY thereafter, with outstanding         Working Capital L.O.C.
                             principal balance plus unpaid accrued interest due and
                             payable on 12/16/99.
-------------------------------------------------------------------------------------------------------------
</TABLE>

FOR VALUE RECEIVED, the undersigned Debtor(s), jointly and severally if more
than one, agree to the terms of this Note and promise to pay to the order of
Lender named below at its place of business as indicated herein or at such
other place as may be designated in writing by holder, the Principal Amount
of this Note together with interest until maturity at the per annum interest
rate or rates stated above.  If the writing above indicated that the per
annum interest rate is to vary with changes made from time to time in the
base or prime rate of Lender or other financial institution, each change in
the rate will become effective without notice to Debtor on the same day such
base or prime rate is changed unless a different effective date is specified
above.  The base or prime rate set forth above is determined by the named
Financial Institution in its sole discretion primarily on a basis of its cost
of funds, is not necessarily the lowest or highest rate the named Financial
Institution is charging its customers, and is not necessarily a published
rate. In the event the named Financial Institution fixing the base or prime
rate ceases to exist or ceases to announce such a rate, Lender may specify a
new Financial Institution to fix such rate, in its sole discretion.  Interest
on this Note is calculated on the actual number of days elapsed on a basis of
a 360 day year unless otherwise indicated herein.  For purposes of computing
interest and determining the date principal and interest payments are
received, all payments made under this Note will not be deemed to have been
made until such payments are received in collected funds.

PAYMENTS NOT MADE WHEN DUE.  Any principal and/or interest amount not paid
when due shall bear interest at a rate six percent (6%) per annum greater
than the per annum interest rate prevailing on this Note at the time the
unpaid amount became due, but in no event at a rate less than fifteen percent
(15%) per annum. In addition or in the alternative to the interest rate
provided for in this paragraph Lender may assess a charge of ten dollars
($10.00) times the number of days late to cover cost of past due notices and
other expenses.  In no event shall the interest rate and related charges
either before or after maturity be greater than permitted by law.

ALL PARTIES PRINCIPALS.  All parties liable for payment hereunder shall each
be regarded as a principal and each party agrees that any party hereto with
approval of holder and without notice to other parties may from time to time
renew this Note or consent to one or more extensions or deferrals of Maturity
Date for any term or terms, and all parties shall be liable in same manner as
on original note.  All parties liable for payment hereunder waive
presentment, notice of dishonor and protest and consent to partial payments,
substitutions or release of collateral and to addition or release of any
party or guarantor.

<PAGE>

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ADVANCES AND PAYMENTS.  It is agreed that the sum of all advances under this
Note may exceed the Principal Amount as shown above, but the unpaid balance
shall never exceed said Principal Amount.  Advances and payments on Note
shall be recorded on records of Lender and such records shall be prima facie
evidence of such advances, payments and unpaid principal balance.  Lender
reserves the right to apply any payment by Debtor, or for account of Debtor,
toward this Note or any other obligation of Debtor to Lender.

COLLATERAL.  This Note and all other obligations of Debtor to Lender, and all
renewals or extensions thereof, are secured by all collateral securing this
Note and by other security interests heretofore or hereafter granted to
Lender as more specifically described in Security Agreements and other
securing documentation.

ACCELERATION.  At option of holder, the unpaid balance of this Note and all
other obligations of Debtor to holder, whether direct or indirect, absolute
or contingent, now existing or hereafter arising, shall become immediately
due and payable without notice or demand upon the occurrence or existence of
any of the following events or conditions:  (a) Any payment required by this
Note or by any other note or obligation of Debtor to holder or to others is
not made when due or the occurrence or existence of any event which results
in acceleration of the maturity of any obligation of Debtor to holder or to
others under any promissory note, agreement or undertaking; (b) Debtor
defaults in performance of any covenant, obligation, warranty or provision
contained in any loan agreement or in any instrument or document securing or
relating to this Note or any other note or obligation of Debtor to holder or
to others; (c) Any warranty, representation, financial information or
statement made or furnished to Lender by or in behalf of Debtor proves to
have been false in any material respect when made or furnished; (d) The
making of any levy against or seizure, garnishment or attachment of any
collateral; (e) Any time Lender in good faith determines prospect of payment
of this Note is impaired; (f) When in the judgment of Lender the collateral,
if any, becomes unsatisfactory or insufficient either in character or value
and upon request, Debtor fails to provide additional collateral as required
by Lender; (g) Loss, theft, substantial damage or destruction of collateral,
if any; (h) Death, dissolution, change in senior management, or termination
of existence of any Debtor; or (I) Appointment of a receiver over any part of
the property of any Debtor, the assignment of property by any Debtor for the
benefit of creditors, or the commencement of any proceedings under any
bankruptcy or insolvency laws by or against any party liable, directly or
indirectly, hereunder.

WAIVERS.  No waiver by holder of any payment or other right under this Note
or any related agreement or documentation shall operate as a waiver of any
other payment or right.

GOVERNING LAW.  This Note and the obligations evidenced hereby are made,
entered into, to be construed and governed by the laws of the state indicated
in the address of Lender shown below.  Debtor(s) consent to the jurisdiction
and venue of any Court sitting in the State indicated in the address of
Lender.

COLLECTION COSTS.  All parties liable for payment hereunder agree to pay
reasonable costs of collection, including an attorney's fee of a minimum of
fifteen percent (15%) of all sums due upon default.

RIGHT OF OFFSET.  Any indebtedness due from holder hereof to Debtor or any
party hereto including, but without limitation, any deposits or credit
balances due from holder, is pledged to secure payment of this Note and any
other obligation to holder of Debtor or any party hereto, and may at any time
while the whole or any part of such obligation remains unpaid, either before
or after Maturity hereof, be appropriated, held or applied toward the payment
of this Note or any other obligation to holder of Debtor or any party hereto.

PURPOSE.  Debtor affirms that the proceeds of this Note are to be used for a
business or agricultural purpose and not for a personal, family or household
purpose.

                                       2

<PAGE>

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ENTIRE AGREEMENT.  All parties acknowledge that this Note and related documents
contain the complete and entire agreement between Debtor and Lender and no
variation, modification, changes or amendments to this Note or related documents
shall be binding unless in writing and signed by all parties. No legal
relationship is created by the execution of this Note and related documents
except that of debtor and creditor or as stated in writing.

<TABLE>
<CAPTION>

LENDER NAME AND ADDRESS                   DEBTOR(S) SIGNATURE(S)
<S>                             <C>                             <C>
Bank of Oklahoma, N.A.          Heartsoft Software Company
Private Financial Services
P.O. Box 2300                   /s/ Benjamin P. Shell           /s/ Jimmy L. Butler
Tulsa, OK 74192-2300            ---------------------------     ---------------------------------
                                Benjamin P. Shell, Chairman     Jimmy L. Butler, Jr., President
</TABLE>

                                       3

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