Document:

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                                                                   Exhibit 10.28
                               SERVICES AGREEMENT
                               ------------------

THIS AGREEMENT, entered into and effective as of May 1, 1997, (the "Effective
Date") is by and between Information Technologies of America, a division of Sony
Electronics Inc., with offices at 3300 Zanker Road, San Jose, CA 95134 ("Sony"),
and Intek Information Inc. with an address at 370 Seventeenth Street, Suite
3950, Denver, Colorado 80202 ("Vendor").

                                  WITNESSETH:

Background.  Sony wishes to engage Vendor to perform certain services as more
particularly described in Exhibit A, attached to and made a part of this
Agreement, as well as such other additional and/or modified Services on projects
that may, from time to time be assigned by Sony to and accepted by Vendor
pursuant to the procedures provided herein (the "Services").  Vendor desires to
perform the Services for Sony in such capacity and represents that it possesses
the skills and expertise required to perform the Services.

NOW, THEREFORE, in consideration of the mutual covenants and premises
hereinabove and hereinafter set forth, the parties hereby agree as follows:

1.   SERVICES / SCHEDULE

     A.   Sony hereby engages Vendor to perform the Services as described in
Exhibit A or as from time to time may be assigned pursuant to Paragraph 1.B.
Vendor agrees to perform the Services in accordance with the highest
professional standards applicable to the performance of like services. Without
in any manner prejudicing the right of Sony to claim that any other breach or
default of this Agreement on the part of Vendor constitutes a material breach or
default, it is understood and agreed that, except as provided under Paragraph
1.D below, the failure of Vendor to perform the Services in any material
respects at the times and in the manner specified shall constitute a material
breach and default of this Agreement on the part of Vendor.

     B.   Sony may, from time to time, request that Vendor perform additional
services ("Additional Services").  If Vendor accepts such assignments, the
parties shall agree to the parameters of the Additional Services to be
undertaken by executing an Additional Work Authorization in the form of Exhibit
B, attached to and made a part of this Agreement.  The Additional Services shall
be considered Services under this Agreement, and shall be performed in
accordance with and subject to the terms and conditions of this Agreement and
the Additional Work Authorization specifying the Services to be performed.

     C.   Sony may periodically request reasonable written reports concerning
Vendor's progress, project status, billing data, and other matters pertaining to
the Services, and Vendor shall promptly provide such reports to Sony at no
additional charge.
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     D.   In the event delay is caused by circumstances beyond either party's
control, including but not limited to fire, strike, war, riots, acts of God
and/or acts of civil or military authority, the time limitation in Paragraph 1.A
above shall be extended to provide for such delay.  Immediately upon such an
occurrence, the parties shall enter into good faith discussions as to mutually
acceptable adjustments to or alternate methods of proceeding with the affected
Services, and the impact, if any, on project schedules.  If any such delay
continues for a period beyond 30 days, and the parties are unable to agree to an
acceptable adjustments to or alternate methods of proceeding with the affected
Services, then either party may terminate any or all of the affected Services
and/or this Agreement. It is understood and agreed by the parties that this
Section 1.D shall apply if a labor and/or equipment shortage is caused by a
requirement by Sony with notice of less than sixty (60) days which would require
substantial hiring and/or equipment acquisition.

     E.   Sony shall respond to Vendor inquiries in an expeditious manner to
promote the efficient and effective performance of the Services.

2.   COMPENSATION / EXPENSES

     A.   As full and complete consideration for the Services to be performed by
Vendor, Sony agrees to pay Vendor total fees (hereinafter called the "Fees") in
accordance with this Paragraph 2, inclusive of any and all taxes on the Services
which are Vendors complete responsibility (but which in any case are exclusive
of taxes based on Sony's income or property taxes on Sony owned, leased or
licensed assets).  For the Services to be provided under Exhibit A, the Fees
shall be as set forth in Exhibit A.  For any Additional Services pursuant to
Paragraph 1.B above, the Fees shall be agreed upon prior to the initiation of
such Additional Services and set forth in the Additional Work Authorization as
provided in Paragraphs 1.B above.  Vendor shall only be compensated for
Additional Services pursuant to executed Additional Work Authorizations as
provided in this Agreement.  Any work which is not so executed and documented
shall not be entitled to compensation under any legal theory and Vendor hereby
waives any compensation for such additional and/or modified work.  Payment of
the Fees shall be subject to performance of the Services as provided herein.

     B.   The Fees shall include all sums due and owing of every kind and
description including but not limited to mileage, stationery, and special
services such as typing, duplicating costs and mailing expenses.  Unless these
costs are specifically agreed to as a separate reimbursable expense item on
Exhibit A or in an Additional Work Authorization, Sony will not pay Vendor
therefor.  However, it is understood and agreed by the parties that Fees as used
in this Agreement do not include telecommunications expenses including, but not
limited to, set-up fees, installation fees, taxes on phone services provided on
behalf of Sony, monthly telephone fees for numbers utilized by Vendor in
performing the Services, 800 and 900 number charges, line charges and TI
charges.  Whenever possible such charges shall be billed directly to Sony.

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     C.   Vendor represents to Sony that Vendor shall employ good faith efforts
to maintain rates that are the same as or no higher than those charged to other
clients of Vendor for the performance of like services.

     D.   Unless otherwise specified in Exhibit A or in an Additional Work
Authorization, Invoices are to be submitted monthly and, subject to the terms of
this Agreement, are payable by Sony within thirty (30) days of receipt thereof
by Sony.  The parties agree that payment for Services rendered between the
Effective Date and December 31, 1997 has been made in full.  Payment for
Services rendered from January 1, 1998 to September 30, 1998 and property
documented by Vendor shall be made by October 30, 1998.

     E.   Vendor shall maintain complete and accurate accounting records, and
shall retain such records for a period of two (2) years following the date of
the invoice to which they relate. Sony shall have the right, upon reasonable
notice, to audit at any time up to one (1) year after payment of an invoice,
Vendor's records relating to the Fees and expenses billed to Sony in connection
with the Services rendered under this Agreement.  Sony will attempt to minimize
any disruption to Vendor's business caused by the audit.

     F.   In the event Vendor determines that it has any inquiries, problems or
believes there are errors or discrepancies with respect to any amounts due
pursuant to this Agreement, Vendor agrees to give Sony written notice thereof
within one (1) year from the date that the work which gave rise to the inquiry,
problem and/or discrepancy, etc. was performed.  Vendor's failure to give Sony
such notice shall constitute a waiver of any and all rights which Vendor may
have to any adjustment, charge or reimbursement by reason thereof.

3.   PROPRIETARY RIGHTS / CONFIDENTIALITY/ EXPORT CONSIDERATIONS

     A.   Vendor and Sony hereby represent and warrant to one another that their
respective activities in connection with the performance of the Services
hereunder will not violate any proprietary rights of third parties, including,
without limitation, patents, copyrights, or trade secrets, and that neither
party's activities in connection with the performance of the Services hereunder
will violate any contractual obligations or confidential relationships which
either Vendor or Sony may have to/with any third party.

     B.   Vendor agrees to hold in trust and confidence all of the information
regarding Sony's business, Sony's customers, the Services performed hereunder
and the results thereof (i) disclosed by Sony, its agents or employees to Vendor
hereunder; (ii) obtained from Sony or otherwise learned as a result of the
Services performed hereunder; and/or (iii) used as a basis for and/or contained
in any reports prepared by Vendor for Sony hereunder (all of which shall be
called the "Confidential Information").

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     C.   Sony agrees to hold in trust and confidence all information marked as
Confidential Information regarding Vendor's business, methods, processes, the
Services performed hereunder and the results thereof (i) disclosed by Vendor,
its agents or employees to Sony hereunder, (ii) obtained from Vendor or
otherwise learned as a result of the Services performed hereunder; and/or (ii)
used as a basis for and/or contained in any reports prepared by Vendor for Sony
hereunder (all of which shall be included as Confidential Information).  In
addition, any and all information regarding the architecture and use of Telweb
and the networking arrangements supporting the Services shall be considered
Confidential Information without being so marked.

     D.   The existence and substance of this agreement shall be included as
Confidential Information.  Neither Sony nor Vendor will disclose all or any part
of the Confidential Information to any third party not associated with the
performance of the Services hereunder.  Neither Sony nor Vendor shall make any
press release regarding the existence of this Agreement without the prior
written consent of the other party; provided, however, that Vendor may use
Sony's name as a reference and on Vendor's client lists.  Notwithstanding the
foregoing, Vendor may disclose the terms hereof on a confidential basis to its
advisors and lenders.

     E.   It is understood, however, that the restrictions in this Paragraph 3,
shall not apply to any portion of the Confidential Information which Sony or
Vendor can clearly demonstrate falls within any of the following categories: (i)
Confidential Information that as of the time of disclosure to Sony or Vendor
respectively, was already known to Sony or Vendor without obligation of
confidentiality, as demonstrated by appropriate documentary evidence antedating
the relationship between Vendor and Sony; or (ii) Confidential Information
obtained after the date hereof by Sony or Vendor from a third party which is
lawfully in possession of such information and not in violation of any
contractual or legal obligation to Vendor or Sony respectively with respect to
such information; or (iii) Confidential Information which is or becomes part of
the public domain through no fault of Sony or Vendor or their respective
employees; (or) Confidential Information which Sony or Vendor is required to
disclose by applicable law, rule, regulation or order.

     F.   Each party agrees to restrict access to all of the Confidential
Information within its company to only such limited group of authorized
employees or independent contractors who (i) require such information in
connection with their activities as contemplated by this Agreement, and (ii)
have agreed in writing to maintain the confidential nature of all proprietary
information including that of third parties received by them in the course of
their employment or engagement.

     G.   All written materials relating to or containing the Confidential
Information shall be maintained in a secure area and plainly marked to indicate
the secret and confidential nature thereof and to prevent unauthorized use or
reproduction thereof.

     H.   Disclosure of Confidential Information to Vendor hereunder shall not
constitute any option, grant or license to Vendor under any patent or other
rights now or hereinafter held by Sony, its subsidiaries, or any of its
affiliated companies.

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     I.   Upon termination of this Agreement, or earlier upon Vendor or Sony's
request, Sony or Vendor respectively shall deliver all items containing any
Confidential Information to Sony or Vendor respectively or make such other
disposition thereof as the requesting party may direct.

     J.   In order to enable Sony to disclose technology or software to Vendor
in conformity with the requirements of Part 740.3 (d) of the U.S. Department of
Commerce's Export Administration Regulations, Vendor hereby gives assurance to
Sony that it will not, without a license or a License Exception from the U. S.
Department of Commerce's Bureau of Export Administration, reexport or release
the technology and/or software, including source code, to any one of the
countries listed in Country Groups D:l or E:2 of Supplement No. 1 to Part 740 of
the Export Administration Regulations or to a national of any one of those
countries.  Such countries are currently: Albania, Armenia, Azerbajian, Belarus,
Bulgaria, Cambodia, the People's Republic of China, Cuba, Estonia, Georgia,
Kazakhstan, Kyrgyzstan, Laos, Latvia, Libya, Lithuania, Moldova, Mongolia, North
Korea, Romania, Russia, Tajikstan, Turkmenistan, Ukraine, Uzbekistan and
Vietnam.

     K.   Sony will not solicit for employment any employee of Vendor or its
affiliates directly involved in the Services identified to Sony in writing, or
induce any such employee or contractor of Vendor to leave the employment of or
terminate the contractor relationship with, Vendor or its affiliates, or assist
or encourage any other person to do so, during the term of this Agreement and
for a period of one (1) year thereafter without the prior written consent of
Vendor.

     L.   This Paragraph 3 shall survive termination or expiration of this
Agreement.

4.   OWNERSHIP OF DATA DERIVED

     A.   As part of this Agreement, and without additional compensation, Vendor
acknowledges and agrees that all right, title and interest (including, without
limitation, patents and copyrights) in any and all Data as defined below shall
vest exclusively in Sony.  Data shall be defined as the business plan, marketing
plan, customer lists, historical customer data and/or other data compiled by
Vendor relating to Sony products and/or customers, Sony product and service
information, scripts, and call guides used in connection with the performance of
Services hereunder. Vendor without further compensation therefor does hereby
irrevocably assign, transfer and convey in perpetuity to Sony and its successors
and assigns the entire worldwide right, title, and interest in and to the Data
including, without limitation, all patent rights, copyrights, mask work rights,
trade secret rights and other proprietary rights therein.  Such assignment
includes the transfer and assignment to Sony and its successors and assigns of
any and all moral rights which Vendor may have in the Data.  Vendor acknowledges
and understands that moral rights include the right of an author:  to be known
as the author of a work; to prevent others from being named as the author of a
work; to prevent others from falsely attributing to an author the authorship of
a work which he/she has not in fact created; to prevent others from making
deforming changes in an author's work; to withdraw a published work from
distribution if it no longer represents the views of the author; and to prevent
others from using the work or the author's name in such a way as to reflect on
his/her

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professional standing. Notwithstanding anything to the contrary in this
Agreement, it is understood and agreed by the parties that any and all right,
title an interest in Vendor's proprietary software known as Telweb remains with
Vendor.

     B.   All data, business plans and information, specifications, drawings, or
other property indicated on Attachment 3A shall remain the exclusive property of
Sony.  Vendor agrees that such Sony property will be used for no purpose other
than for work for Sony under this Agreement. Vendor shall be responsible for the
safekeeping of all such property.  All telephone numbers (including 800 and 900
numbers), web addresses and other locator information used as part of the
Services shall be the property of Sony.  Any hardware or software supplied by
Sony shall remain the property of Sony, and Vendor agrees to execute Sony's
standard loan agreement for any such property.

     C.   Vendor agrees that without further remuneration (except out-of-pocket
expenses) and whether or not this Agreement is in effect, Vendor will, at Sony's
request execute and deliver any documents and give all reasonable assistance
which may be essential or desirable to secure to, assign, and vest in Sony the
sole and exclusive right, title, and interest in and to the Data and items
listed on Attachment 3A.

     D.   Sony hereby grants Vendor a perpetual, non-terminable, world wide
royalty-free license to such elements of the Data that are both generic in
nature and necessary for the normal operation of Vendor's business (as such
business is presently conducted or may be conducted).  Any Data setting forth
Sony customer or other Sony database information, or other proprietary
information reasonably designated by Sony as confidential, is specifically
excluded from this license. THE DATA LICENSED BY SONY IS LICENSED AS IS, WITHOUT
WARRANTY OF ANY KIND.  SONY DISCLAIMS ALL OTHER WARRANTIES, INCLUDING BUT NOT
LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, TITLE AND/OR FITNESS FOR A
PARTICULAR PURPOSE.

5.   INDEMNIFICATION

     A.   Vendor shall indemnify, defend and hold Sony, its affiliates, and
their respective officers, directors, and employees, harmless from and against
any and all claims, demands, liabilities, loss, damages, expenses, proceedings,
actions or causes of action or government inquiries, including attorneys' fees
and expenses and costs, arising out of or connected with (i) personal injury or
property damage to the extent such injury and/or damage results from the
negligence or willful misconduct of Vendor or its employees, agents, or
subcontractors, (ii) Vendor's breach of contract, services or obligations under
this Agreement (iii) third party claims of negligence, invasion of privacy,
mental distress, defamation or any other claim or cause of action based upon the
acts and/or omissions of the agents, employees or subcontractors of Vendor.
Vendor shall have no such obligation (x) if the matter is based on the accuracy
and/or truthfulness of scripts, policies or instructions provided (or scripts
approved) by Sony, (y) for any goods or services provided or to be

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provided by Sony, its agents or contracts, or (z) for goods or services
designated by Sony to be used by Vendor.

     B.   Sony shall indemnify, defend and hold Vendor, its affiliates, and
their respective officers, directors and employees, harmless from and against
any and all claims, demands, liabilities, loss, damages, expenses, proceedings,
actions or causes of action or government inquiries, including attorneys' fees
and expenses and costs, arising out of or connected with (i) personal injury or
property damage to the extent such injury and/or damage results from the
negligence or willful misconduct of Sony or its employees, agents or
subcontractors, (ii) Sony's breach of contract, services or obligations under
this Agreement and/or (iii) third party claims of negligence, products
liability, consumer credit, consumer fraud, deceptive trade practices or any
other claim or cause of action based upon the policies, acts and/or omissions of
the agents, employees or subcontractors of Sony other than Vendor.  It is
understood and agreed by the parties that Vendor shall have no obligation to
evaluate and/or verify that Sony is in compliance with laws relating to consumer
credit, consumer fraud, deceptive trade practices or other similar matters and
that Vendor may rely upon Sony's representation, hereby made, that Sony is in
compliance to the best of its knowledge.

     C.   Any party seeking defense and indemnification under this Section shall
(i) give the indemnifying party prompt written notice of the claim for which
defense and indemnification is sought, (ii) give the indemnifying party control
over the defense and any compromise or settlement of the claim, except the party
being defended and indemnified shall have the right to approve the selection of
counsel, which approval shall not be unreasonably withheld; (iii) cooperate with
the indemnifying party in connection with the defense, compromise and settlement
of the claim; and (iv) provide, at the indemnifying party's expense, such
assistance in the defense, compromise and settlement of the claim as the
indemnifying party may reasonably request.  The obligations described in this
Paragraph 5 shall survive the termination/expiration of this Agreement.

6.   INSURANCE

     A.   Simultaneously with execution of this Agreement, Vendor shall furnish
to Sony an insurance certificate evidencing that it maintains, with insurance
companies with a Best's rating of B+ or above, and naming Sony as an additional
insured, the following coverages:  (i) Worker's Compensation and Employer's
Liability, with minimum statutory limits; and (ii) General Liability, with
minimum limits of $1,000,000.00 per occurrence for bodily injury, death, or
property damage.

     B.   The Certificate required pursuant to Paragraph 6.A above shall specify
date(s) when such insurance expires and shall further provide for thirty (30)
days' prior notification to Sony of cancellation or material change in coverage,
and renewal certificates shall be in Sony's possession prior to the expiration
dates of all policies noted therein.

7.   TERM, TERMINATION AND CANCELLATION

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     A.   This Agreement shall commence on the Effective Date and thereafter
shall remain in effect (unless and until terminated as set forth in this
Paragraph 7) until all duties and obligations of the parties have been
discharged, but in any event shall expire on March 31, 1999.

     B.   Either party may terminate this Agreement, effective upon delivery of
written notice of termination, if the other party materially breached this
Agreement and does not correct such material breach within thirty (30) days
after receiving written notice of such material breach.

     C.   Upon expiration of the cure period and termination of this Agreement,
either party shall deliver to the other party all items requested containing any
Confidential Information as described under Paragraph 3 above and/or Data as
described under Paragraph 4 above, or make such other reasonable disposition
thereof as the requesting party may direct in writing.

8.   INDEPENDENT CONTRACTOR

     A.   It is understood and agreed that in performing the Services for Sony
hereunder, Vendor shall act in the capacity of an independent contractor and not
as an employee or agent of Sony except to the extent that Vendor is specifically
required to do so under this Agreement.  Vendor agrees that unless otherwise
instructed in writing it shall not represent itself as the agent or legal
representative of Sony for any purpose whatsoever except to the extent that
Vendor is specifically required to do so under this Agreement.  Vendor shall be
solely responsible for the remuneration of and the payment of any and all taxes
with respect to its employees and contractors and any claims with respect
thereto and shall be solely responsible for the withholding and payment of all
federal, state and local income taxes as well as all FICA and FUTA taxes
applicable to it, or its employees. Vendor acknowledges that as an independent
contractor, neither it nor any of its employees or contractors shall be eligible
for any Sony employee benefits, including, but not limited to, vacation,
medical, dental or pension benefits.

     B.   Vendor agrees to indemnify Sony for and hold it harmless from any and
all taxes which Sony may have to pay and any and all liabilities (including, but
not limited to, judgements, penalties, fines, interest, damages, costs and
expenses, including reasonable attomey's fees) which may be obtained against,
imposed upon or suffered by Sony or which Sony may incur by reason of Vendor's
failure to deduct and withhold from the compensation payable hereunder any
amounts required or permitted to be deducted and withheld from the compensation
of an individual under the provisions of any statutes heretofore or hereafter
enacted or amended requiring the withholding of any amount from the compensation
of an individual.

     C.   Notwithstanding any other provisions of this Agreement, if it should
be determined that Sony is legally required to make deductions from any amounts
owed to Vendor under this Agreement (e.g., withholding taxes, social security
contributions, etc.), Sony shall have the right to do so after providing Vendor
with thirty (30) days prior written notice.

9.   LIMITATION OF LIABILITY

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<PAGE>

     Under no circumstances shall either party be liable to the other for any
punitive or indirect loss or damage whether or not such loss or damage is caused
by the fault or negligence of such party, its employees, agents or contractors.
This exclusion is not intended to apply to:

     (i)  loss or damage incidental to a default, termination, suspension or
defect in Vendor's services such as, but not limited to, additional managerial
and administrative costs and expenses incurred in effecting a cover under a
Vendor default;

     (ii) loss or damage to property or personal injuries (including death)
directly caused by Vendor's or Sony's negligence.

10.  NOTICES

     Except as otherwise provided herein, to be effective, all communications
and notices relating to this Agreement are to be sent by first class mail,
postage prepaid (effective three (3) days after postmark date) or delivered
personally or by telecopy/fax (with a first class mail, postage prepaid
confirmation) to the respective addresses set forth in the opening paragraph
hereof (in the case of notices to Sony, with a copy to:  Law Department, Mail
Drop 2A8, at such address, and in the case of Vendor addressed ("Attn.
President"), or to such other addresses as either party shall designate by
notice given as aforesaid.

11.  GENERAL

     A.   If Vendor's employees are working on the premises of Sony, Vendor's
employees shall observe the working hours, working rules and security procedures
established by Sony.

     B.   If Sony's employees are working on the premises of Vendor, Sony's
employees shall observe the working hours, working rules and security procedures
established by Vendor.

     C.   Neither party may assign this Agreement, provided however, it is
understood and agreed by the parties that there is a possibility that the
Vendor, as an entire business unit, could be purchased by another company.  In
the event that such purchase as an entire business unit becomes probable, Vendor
shall promptly notify Sony.  Sony shall have the right to immediately terminate
this Agreement after any such purchase of Vendor at any time the senior
management of Vendor as of the Effective Date is no longer directly involved in
making the strategic or operational business decisions for the new entity
affecting Sony.

     D.   Either party's waiver of any breach or failure to enforce any of the
terms and conditions of this Agreement at any time shall not in any way affect,
limit or waive such party's right thereafter to enforce and compel strict
compliance with every term and condition thereof.

     E.   This Agreement shall be deemed to have been made and executed in the
State of California and any dispute arising hereunder shall be resolved in
accordance with the laws of

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California. The parties hereby consent to and submit to the jurisdiction of the
federal and state courts located in the State of California, and any action or
suit under this Agreement shall only be brought by the parties in any federal or
state court with appropriate jurisdiction over the subject matter established or
sitting in the State of California. The parties shall not raise in connection
therewith, and hereby waive, trial by jury and/or any defenses based upon the
venue, the inconvenience of the forum, the lack of personal jurisdiction, the
sufficiency of service of process or the like in any such action or suit brought
in the State of California. THE PARTIES HEREBY WAIVE TRIAL BY JURY WITH RESPECT
TO ANY DISPUTE RELATING TO OR ARISING OUT OF THIS AGREEMENT.

     F.   In case any term of this Agreement shall be held invalid, illegal or
unenforceable in whole or in part, neither the validity of the remaining part of
such term nor the validity of any other term shall be in any way affected
thereby.

     G.   All remedies provided herein are cumulative and not exclusive of any
remedies provided by law or equity.

     H.   In the event of any litigation between the parties hereto with respect
to this Agreement, the prevailing party (the party entitled to recover the costs
of suit, at such time as all appeals have been exhausted or the time for taking
such appeals has expired) shall be entitled to recover reasonable attorneys'
fees in addition to such other relief as the court may award.

     I.   Except as otherwise provided herein, the rights and obligations of the
parties hereto shall survive any termination of this Agreement.

     J.   Vendor will comply with all statutes, ordinances, and regulations of
all federal, state, county and municipal or local governments, and of any and
all of the departments and bureaus thereof, applicable to the carrying on of its
business and performance of the Services, including without limitation laws
regarding misrepresentation, deceptive business practices and invasion of
privacy.  Vendor agrees to comply with the Sony Electronics Inc. Ethics Guide
for Third Parties attached as Exhibit C.

     K.   Sony will comply with all statutes, ordinances, and regulations of all
federal, state, county and municipal or local governments, and of any and all of
the departments and bureaus thereof, applicable to the carrying on of its
business and performance of the Services, including without limitation laws
regarding misrepresentation, deceptive business practices and invasion of
privacy.

     L.   This Agreement constitutes the complete agreement between the parties
hereto and supersedes all prior communications and agreements between the
parties with respect to the subject matter hereof and may not be modified or
otherwise amended except by a further writing executed by both parties hereto,
which writing makes specific reference to this Agreement.

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<PAGE>

     M.   The parties will act in good faith, deal fairly, and act in a
commercially reasonable manner in connection with the relationship between them.

                                       11
<PAGE>

IN WITNESS WHEREOF, the parties hereto by their duly authorized representatives
have executed this Agreement upon the date first set forth above.

INTEK INFORMATION INC.                        SONY INFORMATION
                                              TECHNOLOGIES OF AMERICA,
                                              A DIVISION OF
                                              SONY ELECTRONICS INC.

By:/S/ PATRICK F. O'NEAL_____________________ By: /S/ HIDEKI KOMIYAMA
       Patrick F. O'Neal                          -------------------
       Managing Director                      Print Name: Hideki Komiyama

                                              Title:  President, ITA
                                                      Sony Electronics, Inc.

                                       12<PAGE>

           CONFIDENTIAL TREATMENT OF REDACTED PORTIONS REQUESTED BY
                            INTEK INFORMATION, INC.

                                                                 EXHIBIT 10.28.1

                        AMENDMENT TO SERVICES AGREEMENT

This Amendment (the "Amendment"), dated as of April 1, 1999 (the "Effective
Date") amends the Services Agreement between Direct Sales Division, a division
of Sony Electronics Inc. ("Sony") and Intek Information Inc. ("Vendor") dated as
of May 1, 1997 and amended March 31, 1999 (the "Agreement").

1.   AMENDMENT
     ---------

The Agreement is hereby further modified and amended as follows:

     a.   The term of the Agreement shall be extended for an additional two
          years from the Effective Date of this Amendment.
     b.   Exhibit A of the Agreement and related referenced Attachments shall be
          replaced in its entirety with the new Exhibit A and related referenced
          Attachments attached hereto, effective as of April 1, 1999.

2.   GENERAL
     -------

   a. The terms of this Amendment shall supersede any inconsistent or different
      terms contained in the Agreement.

   b. Defined terms used and not defined herein shall have the meanings assigned
      to them in the Agreement.

   c. This Amendment shall not be interpreted nor construed as waiving any
      rights, obligations, remedies or claims the parties may otherwise have
      under the Agreement.

   d. Except as expressly modified herein, all terms and conditions of the
      Agreement shall remain in full force and effect.

IN WITNESS WHEREOF, the parties, through their respective authorized
representatives, have executed this Amendment as of the Effective Date.

DIRECT SALES DIVISION, A DIVISION OF
SONY ELECTRONICS INC.                       INTEK INFORMATION INC.

By:  /s/  H. Komiyama                       By:  /s/ Frank Richards
     ----------------                         ----------------------
Name:  H. Komiyama                          Name:  Frank D. Richards
Title: President, PNSC                      Title: Executive Vice President/
       a division of Sony Electronics, Inc.        Chief Operating Officer

                                       1
<PAGE>

           CONFIDENTIAL TREATMENT OF REDACTED PORTIONS REQUESTED BY
                            INTEK INFORMATION, INC.

                               SERVICES AGREEMENT

                                   EXHIBIT A
                                   ---------
                               SERVICES AND FEES
                               -----------------

Effective Date:  July 1, 1999

This Exhibit A is attached to and made a part of the Services Agreement between
the Direct Sales Division of Sony Electronics Inc. ("Sony") and Intek
Information Inc. ("Vendor").

I.  SCOPE OF SERVICES.

Vendor shall perform inbound and outbound telesales and related customer support
for Sony in connection with certain direct sales programs, which will offer
computer and computer related products and services to end-user customers (the
"Program"). Sony shall in its sole discretion determine the products and
services to be included in the Program and the nature of promotions to be
utilized in the Program. Vendor support shall be transparent to Sony customers
so that, to the extent permitted by applicable law, such customers will not know
whether they are speaking to Sony or Vendor acting on behalf of Sony. In
supporting the Program Vendor will provide the following services: order entry
systems, inventory systems, return merchandise authorization systems, EDI
transmission into Sony's STN system, processing files, online product
information systems, credit card authorization services/technology, welcome kit
with invoice to customer, database feeds to Sony or Sony designated third
parties, and sales reporting. Vendor will either address or route non-Program
related calls as Sony directs. Vendor shall implement such third party credit
verification and granting procedures as Sony may direct. Vendor shall follow the
EDI protocol designated by Sony, including but not limited to the items listed
in Attachment 1 hereto. Vendor shall use reasonable commercial effort to
implement an automated IVR that provides order tracking and shipping information
no later than December 1, 1999 (any cost to Sony for such IVR implementation
shall be limited to costs related to support of Sony-specific legacy systems
such as STN).

a.   Recruiting, Hiring and Training of Personnel.  Vendor will at all times
     --------------------------------------------
ensure that sufficient trained personnel are available to meet the performance
standards in (d) below. Vendor will recruit, interview and hire dedicated sales
and customer service representatives (ISRs) to provide both inbound and outbound
telesales and customer service. Vendor will provide both initial and ongoing
training of such personnel. Sony will be billed [______] per hour for continuing
classroom product and development training (as opposed to initial training) that
exceeds 7.5% of ISR billable hours per fiscal quarter. Sony shall approve the
general characteristics of all ISR groups hired as well as the size of the Home
Office/ Business ISR groups.

b.   Reporting.  Vendor will provide reports in such format and frequency as
     ---------
reasonably requested by Sony in any standard electronic or non-electronic
format. Such reports may include daily real time reporting online as well as
weekly and monthly quantitative reporting including total calls by marketing
program, total sales by product by marketing program, cost per call

                                       2
<PAGE>

           CONFIDENTIAL TREATMENT OF REDACTED PORTIONS REQUESTED BY
                           INTEK INFORMATION, INC.

analysis, average call length, calls and sales analysis by hour, day, week and
month, and aspect reports by ISR. Notwithstanding any agreed reporting schedule,
Vendor will immediately notify Sony of any critical developments.

c.   Database.  Vendor will maintain a complete database of all Sony customers
     --------
related to the Services hereunder containing such information as Sony shall
specify. Such database system shall be flexible enough to support multiple
marketing campaigns and categorize different information by campaign. Vendor
shall provide data from such database to Sony or third parties as designated by
Sony in accordance with a fee schedule to be mutually agreed by the parties no
later than November 1, 1999 and attached hereto as Attachment 3. Sony shall
approve all Vendor internal procedures regarding database management and
maintenance in writing, and Vendor shall follow such procedures without
exception. Upon termination or expiration of this Agreement Vendor shall deliver
such database in its entirety to Sony in standard electronic format and retain
no copies.

d.      Performance Standards.  Vendor will meet Sony's minimum performance
        ---------------------
standards as specified below in conducting telesales services:

          i.    On a monthly basis, monitor each ISR a minimum of three times
                per forty (40) hours.
          ii.   On a monthly basis, maintain a ISR to supervisor ratio of 12:1.
          iii.  Provide a dedicated manager for the Program with no other
                responsibilities.
          iv.   Provide a minimum hourly pay rate of [__________ (____)] per ISR
                employed in the Northern California area beginning no later than
                the ninety-first day of employment by Vendor.
          v.    On a monthly basis, answer eighty percent of incoming calls
                within 30 seconds during both peak and non-peak times (three
                minutes for Customer Service calls). "Customer Service" call
                shall be defined as all outbound customer service calls and all
                inbound calls that select the post sales customer service prompt
                within the Sony IVR and are actually answered by Vendor customer
                service representatives.
          vi.   On a monthly basis, maintain a call abandonment rate of less
                than three percent (3%) during both peak and non-peak times
                (twenty-five percent (25%) for Customer Service calls unless the
                total percentage of Customer Service calls is below twenty
                percent (20%) of the total calls answered, in which case the
                abandonment percentage maximum for Customer Service calls shall
                be reduced to ten percent (10%)).
          vii.  On a monthly basis, maintain a call blockage (busy) rate of less
                than two percent (2%) during both peak and non-peak times
                (twenty-five percent (25%) for Customer Service calls unless the
                total percentage of Customer Service calls is below twenty
                percent (20%) of the total calls answered, in which case the
                abandonment percentage maximum for Customer Service calls shall
                be reduced to ten percent (10%)).
          viii. On a monthly basis, average hold time once a customer is within
                the voice response unit must average less than 30 seconds (three
                minutes for Customer Service calls unless customer service calls
                exceed 20% of total calls.

                                       3
<PAGE>

          ix.   ISRs performing below quality standards must be coached and
                counseled by Vendor in accordance with Vendor's corrective
                action procedures and brought up to baseline quality standards
                within 30 days.
          x.    With respect to Home Office/Business staffing, on a monthly
                basis, Vendor shall not perform more than one hour daily of
                training, focus groups or other meetings or breaks per 8 hour
                day per ISR. ISRs shall be either engaged in a customer phone
                call, engaged in wrap-up of a previous customer phone call (90
                second average expectation of required time) or fully available
                for customer phone calls 87% of their total work day.
          xi.   Automated support shall be provided 24 hours per day, 7 days per
                week, 365 days per year.
          xii.  Live ISR's shall be available Monday-Friday 8 AM to 11 PM CST;
                Saturday and Sunday 8 AM to 7 PM CST; 365 days a year. Changes
                to such hours shall be mutually agreed by the parties in
                writing. Customer service reps shall be available Monday -
                Friday 8 AM to 5 PM PST. Home office reps shall be available
                Monday - Friday 6 AM to 6 PM PST.
          xiii. Vendor shall follow the EDI profile and procedures set forth in
                Attachment 1.
          xiv.  Vendor shall utilize the staffing model generated by the Prime
                Time software as used by Vendor on January 1, 1998, or such
                other software or upgrade to Prime Time mutually agreed upon in
                writing by the parties.

Vendor shall provide equipment and connections to allow Sony to perform remote,
undetected monitoring of ISR calls (Vendor shall ensure that all legally
required disclosure of such monitoring shall be made) at all times. Vendor shall
participate in such monitoring at Sony's request with 24 hours notice. Vendor
shall allow Sony nondisruptive on-site monitoring with 24 hours notice.

Vendor shall supply Sony with drafts of all sales and other scripts for Sony's
approval, which may be withheld in Sony's sole discretion.

e.   Fee for Teleservicing Services.
     ------------------------------

     i.   Percentage of Revenues for all Sales other than "Home Office/Business"
          Sales. For the period beginning July 1, 1999 through March 31, 2000,
          Vendor shall be compensated for all of its services other than "Home
          Office/Business Sales" on a percentage of revenue basis as set forth
          in the chart below. For purposes of this Agreement, "Sony Revenues"
          shall mean actual (April 1 to March 31) telesales revenue received by
          Sony from customers ordering via Vendor, less taxes, refunds, fraud
          charge writeoffs and shipping charges (if any). Taxes, refunds, and
          shipping charges will be capped at [______] of Gross Revenue. "Sony
          Revenue" shall never be less than [____] of telesales revenue received
          by Sony from customers ordering via Vendor.

                                       4
<PAGE>

           CONFIDENTIAL TREATMENT OF REDACTED PORTIONS REQUESTED BY
                           INTEK INFORMATION, INC.

  Sony Revenues          Percent due Vendor
  -------------          ------------------

     $ [__________]           [____]
       [_________]            [____]
     [__________]             [____]
     [______________]         [____]
     [______________]         [____]
     [______________]         [____]
     [______________]         [____]

Upon attainment of $[________] in revenues, Vendor shall be paid a one time
bonus of [__]% of $[______________ ($____________)]. Upon attainment of the rate
of [____]% (greater than $[__________] but less than $[____________)] , the
reductions in percentage due Vendor based on Sony revenues are for incremental
revenue only.

     ii.  Home Office/Business Sales Compensation. For the period beginning
          July 1, 1999 through March 31, 2000, Vendor shall be compensated for
          all revenues related to Home Office / Business Sales at a rate of [$ ]
          per hour based on ISR billable hours as determined by mutually agreed
          scheduling software parameters. For purposes of this Agreement, "Home
          Office / Business" sales shall be any sales developed or secured
          through the Sony Financial Services Program plus any credit card
          transactions discounted by Sony as part of its Sony Business Direct
          program(s). Sony represents in good faith that the Sony Business
          Direct program shall be directed toward business (including home and
          small business) market segments. All Home Office / Business ISRs shall
          be compensated an average of $[_____] per hour (base plus incentive).

     iii. Sony shall pay Vendor a $[________] retainer on a monthly basis by the
          last day of each month, subject to quarterly reconciliation to be
          completed by the tenth (10/th/) business day after the end of a
          quarter (June 30, September 30, December 31 and March 31.) At the time
          of such reconciliation, any amount due from one party to the other
          shall be paid within thirty (30) days.

     iv.  The fee for the period beginning April 1, 2000 and ending March 31,
          2001 will be mutually agreed by the parties and memorialized in a
          written amendment to this agreement prior to February 28, 2000; in the
          event the parties do not agree after good faith negotiation (including
          in person meetings with responsible management) on such fee this
          Agreement shall expire as of March 31, 2000 and Sony shall pay Vendor
          a one-time fee of $[__________] in lieu of any other termination
          obligation (including any obligation to provide minimum call volume).

     v.   Adjustments. The fee payable to Vendor shall be subject to adjustment
          as set forth in this Section (e) (v).

                                       5
<PAGE>

           CONFIDENTIAL TREATMENT OF REDACTED PORTIONS REQUESTED BY
                           INTEK INFORMATION, INC.

(A)  If over twenty percent (20%) of total inbound and outbound calls to Vendor
constitute "Customer Service" calls as defined in Section I(d)(v), through no
fault of Vendor, such number of calls that are incremental over the twenty
percent (20%) limit shall be billed to Sony at $[_____] per hour or such other
amount as the parties may mutually agree.

(B)  Sony shall provide Vendor with rolling three month advance inbound call
forecasts by the fifteenth (15/th/) of each month for the next three full month
period. If actual realized call volume for the first month of such three month
forecast period is less than eighty seven point twenty five percent (87.25%) of
such three month forecast's prediction, the incremental difference between
actual call volume and the eighty seven point twenty five percent (87.25%)
requirement shall be billed to Sony at the rate of $[_____] per hour. Vendor
will not be held to performance standards I (d) (v--viii) for any month when
actual volume variance is + 12.75% of the three month forecast.

            Example:  May forecast          1 000 calls
                      May actual              700 calls

                      Percent to forecast            70%
                      Percent to forecast goal       87.5%
                      Percent under goal             17.5%
                      Staffing hours for forecast    100 hours
                      Percent hours at hourly rate   17.5 hours
                      Hourly bill rate               $ [__]
                      Incremental billing amount     $[______]

(C)  Sony shall provide Vendor with a confidential quarterly forecast of
expected sales of Sony desktop and notebook PC CPU units through Vendor. On a
product build cycle basis, if Sony does not maintain at least an average 87.5
percent (87.5%) order fill rate (orders other than pre-orders shipped within a
sixty (60) day period) by product build basis forecast of orders on PC notebook
and desktop computer CPU units, Vendor shall bill Sony such incremental amount,
if any, as Vendor would have realized if such forecast amounts, had been
fulfilled at an average 87.5 percent (87.5%) fill rate. Such financial
adjustment shall not be made for Sony's delay or inability to fulfill due to
force majeure.

(D)  Vendor agrees to provide information technology (IT) customization services
beyond those within the scope of the inclusive retainer relationship herein
("New IT Services") at negotiated mutually agreed rates. Sony shall approve all
such New IT Services in writing before such New IT Services and rates are
initiated. The mutually agreed upon rates for all New IT Services, definition of
scope of such services, and any special terms or payment considerations will be
attached to this document by November 1, 1999.

(E)  For any period of time Vendor is not in compliance with the minimum
performance standards set forth in I (d) above and Vendor has been notified in
writing of such default during the applicable cure period, Vendor or any
extension to such cure period, Vendor's fee percentage of revenues for such
period shall be adjusted downward by one-half percent (0.50%) and Vendor's
hourly rate shall be adjusted downward to $[______] per hour. No adjustment
shall be

                                       6
<PAGE>

           CONFIDENTIAL TREATMENT OF REDACTED PORTIONS REQUESTED BY
                           INTEK INFORMATION, INC.

made if the actual call volume is more than 12.75% of the first month of the
three month call forecast.

(F)  If Vendor's customer fulfillment activity increases more than ten percent
as a percentage of total units sold beyond the level for the year ending April
1, 1999, Sony shall pay for incremental fulfillment beyond such April 1, 1999
fulfillment percentage plus ten percent on a per unit basis. Such incremental
units shall be billed by Vendor in accordance with the feeds outlined in
Attachment 4 along with related supplies and postage.

          iii.   ISR Incentive Plan.  Sony at its sole discretion may fund an
additional ISR Incentive Program, the terms of which the parties shall mutually
agree to in writing. Vendor will pay any agreed incentives within 30 days of ISR
accrual and Sony shall find such payment within thirty days of Vendor invoice
(which shall not be issued prior to Vendor payment to ISRs).

          iv.    Call Volume.  Subject to Section 1(e)(iv) Sony shall provide
Vendor the data and authority to receive at least 25,000 calls per month; Sony
however provides no guarantee, in the event of a business downturn, that such
call volume will be achieved. For purposes of this section, business downturn
shall be defined as circumstances not controlled directly or indirectly by Sony
that causes a material decline in telephone traffic, sales and/or the
profitability of the VAIO business segment of business for Sony no longer meets
the internal business requirements of Sony to continue in, such business segment
through direct marketing. In the event that Sony relies on this section in order
to justify the decline in call volume as outlined above, it is understood and
agreed that Sony shall not change the business requirements for continuation in
said business segment in order to invoke this section. It is further understood
and agreed that in the event that call volume goes below 25,000 per month and/or
Sony determines that Sony shall no longer participate in the VAIO segment,
Vendor shall be entitled to payment as if the campaign continued to the ending
date of this Agreement with incoming call volumes of ten thousand (10,000) per
month at the average Sony revenues attributable to such a call volume for the
ninety (90) days prior to the announcement by Sony of Sony's discontinuation of
participation in such business segment.

          v.     Vendor shall conduct Sony teleservices activities only at the
following call center locations at the following percentages: Northern
California (excluding Hayward after a to be mutually agreed point in time): 55-
75%; Fort Scott, Kansas:  25-45% and Denver.  The parties will mutually agree on
a plan to transition services from Denver.  Any changes outside of the above
ranges and locations must be approved by Sony in writing.

f.   Hardware and Software.  The hardware and software referenced on Attachment
     ---------------------
3A, is the property of Sony. If Vendor has not already, Vendor shall take all
appropriate actions to transfer ownership and otherwise secure for Sony's
benefit the use of such hardware and software. Except as provided in Attachment
3A, Vendor shall be required to provide all hardware, software,
telecommunications and infrastructural resources to enable full customer support
services.

                                       7
<PAGE>

           CONFIDENTIAL TREATMENT OF REDACTED PORTIONS REQUESTED BY
                           INTEK INFORMATION, INC.

g.   Invoice and Thank-You Kit Project.  Vendor shall perform additional
     ---------------------------------
services in connection with invoicing and inclusion of a thank you kit in
invoice mailings per Attachment 4. The Percentage of Revenues fee in e(i) above
shall constitute Vendor's sole compensation for such services.

h.   Sony Loan of Equipment/Products.  Vendor shall execute an Equipment Loan
     -------------------------------
Agreement with Sony for all equipment loaned by Sony to Vendor in the form of
Attachment 5. Such equipment shall include any hardware or software purchased
for Sony by Vendor as provided in Attachment 3A.

i.   Ownership of Telephone Numbers.  Sony shall own all telephone numbers,
     ------------------------------
including 800 numbers, used in connection with the Services unless owned by some
other service provider.

j.   Training Fees.  Sony shall pay the fees specified in Attachment 6 with
     -------------
respect to the training services.  Notwithstanding the foregoing, Vendor shall
be responsible for all new-hire training cost as a result of annual attrition
rates greater than twenty eight percent (28%).

                                       8
<PAGE>

           CONFIDENTIAL TREATMENT OF REDACTED PORTIONS REQUESTED BY
                            INTEK INFORMATION, INC.

                                  ATTACHMENT 1
                                  ------------

EDI PROTOCAL
------------

                                       9
<PAGE>

           CONFIDENTIAL TREATMENT OF REDACTED PORTIONS REQUESTED BY
                           INTEK INFORMATION, INC.

                          Intek Profile and Procedures

[_______

___________________________
___________________________

___________________________

___________  ________________
___________  ________________
___________  ________________
___________  ________________
___________  ________________

____________________

______________________________________________________________________________
______________________________________________________________________________
____________________________________________

____________________________________________]

                                       10
<PAGE>

           CONFIDENTIAL TREATMENT OF REDACTED PORTIONS REQUESTED BY
                            INTEK INFORMATION, INC.

                                 ATTACHMENT 3A
                                 -------------

  LIST OF HARDWARE AND SOFTWARE PURCHASED BY VENDOR AND
  -----------------------------------------------------
  SOLD TO SONY
  ------------

                                   Exhibit A
                                   ---------

<TABLE>
<CAPTION>
------------------------------------------------------------------------------------------------------------------------------
Equipment                                                            Quantity        Unit Price          Extended Price
------------------------------------------------------------------------------------------------------------------------------
<S>                                                                  <C>             <C>                 <C>
Compaq Servers
 Compaq Proliant 50000R 6/200                                                 2           12,307.00                24,614.00
 Pentium Pro 6/200 Processor Kit                                              2            2,125.00                 4,250.00
 Rack-Mountable Storage System                                                2            1,118.00                 2,232.00
 Rack - 42U                                                                   1            1,678.00                 1,678.00
 Rack Stabilizing Kit                                                         1              124.00                   124.00
 Rack Sidewall Kit for Rack - 42U                                             1              208.00                   208.00
 Rack Blanking panel Kit                                                      1               45.00                    45.00
 2.1 GB Hard Drive Hot Pluggable                                             10              770.00                 7,700.00
 Smart UPS 30000RM, 30000VA                                                   2            1,712.00                 3,424.00
 Netflex Controller                                                           2              169.00                   338.00
 10/100 Base TX UTP Module                                                    2               97.00                   194.00
 SCSI Storage Expander For Rack                                               2              661.00                 1,322.00
 V50 Monitor                                                                  2              361.00                   722.00
 Rack External Keyboard                                                       2               30.00                    60.00
 Compaq Mouse                                                                 2               35.00                    70.00
 Backup Exec Software for Windows NT v.6.1                                    2              437.00                   874.00
 126MB DIMM RAM Memory Kit                                                    2            1,397.00                 2,794.00
------------------------------------------------------------------------------------------------------------------------------
Subtotal                                                                                                           50,649.00
------------------------------------------------------------------------------------------------------------------------------
Freight                                                                                                               121.44
Tax                                                                                                                 3,925.30
------------------------------------------------------------------------------------------------------------------------------
Subtotal Compaq Servers with Freight and Tax                                                                       54,695.74
------------------------------------------------------------------------------------------------------------------------------
Sybase Database Licenses
 Sybase Replication Server                                                    2          [________]              [_________]
 SQL Server NT - 64 User                                                      1         [_________]               [________]
 Replication Server Manager                                                   1           [_______]               [________]
 Sybase Replications Server Support                                           2           [_______]               [________]
 SQL Server NT - 64 User Support                                              1           [_______]               [________]
 Replication Server Manager Support                                           1            [______]               [________]
------------------------------------------------------------------------------------------------------------------------------
Subtotal                                                                                                           40,255.30
------------------------------------------------------------------------------------------------------------------------------
Freight                                                                                                               150.00
Tax                                                                                                                 3,119.79
------------------------------------------------------------------------------------------------------------------------------
Subtotal Sybase Database Licenses with Freight and Tax                                                             43,525.09
------------------------------------------------------------------------------------------------------------------------------
Grand Total All Equipment Freight and Tax                                                                          98,220.82
------------------------------------------------------------------------------------------------------------------------------
</TABLE>

                                       11
<PAGE>

           CONFIDENTIAL TREATMENT OF REDACTED PORTIONS REQUESTED BY
                            INTEK INFORMATION, INC.

                                  ATTACHMENT 4
                                  ------------

Sony Invoice & Thank You Kit Proposal

Invoicing will require the following items be custom hand picked, packed,
sealed, metered and mailed 1st class:

 Invoice
 Personalized letter - customer name & address, ISR name & extension who placed
 order
 Full Line Catalog - 6" x 9", 41 pages
 Product Return Labels
 Return Request Process/Instructions - 2 pages
 Return Checklist - 1 page
 Gift - Package of Klear Screen Wipes

Assumptions
-----------
 .    Sony will provide Intek with custom 9" x 12" envelopes w/ Sony "Direct"
     Logo
 .    Sony will provide Intek with all preprinted materials; catalogs, brochures,
     labels, envelopes, etc...
 .    Sony will provide Intek with 1 month inventory of all above items - Intek
     will provide Sony inventory usage reports
 .    Intek will supply and laser print the Return Request Process/Instructions,
     Return Checklist, and Terms and Conditions
 .    Sony has requested a "Blurb" box-advertising message on invoice; this can
     change monthly but it is not product specific
 .    Thank you kit to include a "checklist of items required to be returned to
     receive full RMA credit"
 .    Sony is responsible for all mailing charges; Intek will use its own postage
     account, track costs, and pass through mailing costs
 .    Based on $[___] volume 1st full year and average order price of $[_____]
     this is estimated at 115 invoices/day
 .    Setup charges for creating the invoice and creating personalized letters
     are billed at $[__]/hour.
 .    Setup charges requiring senior level programming skills are billed at
     $[_____]/hour.
 .    Daily Minimum Charge of $[___] to cover both invoicing and literature
     fulfillment
 .    Invoicing will be done Monday through Friday (Saturday and Sunday's
     invoicing will be done on Monday)
 .    Intek will provide a daily invoicing confirmation report online
 .    The prices listed below are priced on a "per thousand" basis

<TABLE>
<CAPTION>
Service Provided                             Unit Cost  Daily Qty  Daily $'s     Monthly $'s      Annual $'s
-------------------------------------------------------------------------------------------------------------------
<S>                                          <C>        <C>        <C>           <C>             <C>
Invoicing/Thank You Kit Fees
Laser Print Invoice                          $   [___]    115      $     [_____]  $     [______]  $  [ __________]
Laser Print Personalized Letter              $   [___]    115      $     [_____]  $   [ _______]  $    [_________]
Laser Print/Copy Return Process, Checklist   $   [___]    115      $     [_____]  $     [______]  $      [_______]
Insert Invoice, Letter, Process & Checklist  $   [___]    115      $     [_____]  $     [______]  $      [_______]
Insert Full Line Catalog, Gift, Return       $   [___]    115      $     [_____]  $     [______]  $     [________]
 Labels
Print Label 1 1/3" x 4" Avery labels         $   [___]    115      $     [_____]  $     [______]  $      [_______]
Hand Label                                   $   [___]    115      $      [____]  $     [______]  $      [_______]
Seal Flat (9 x 12), meter, and mail          $   [___]    115      $      [____]  $     [______]  $      [_______]
-------------------------------------------------------------------------------------------------------------------
Total Unit Cost Invoice/Thank You Kit        $   [___]    115      $    [______]  $  [_________]  $  [___________]
-------------------------------------------------------------------------------------------------------------------
</TABLE>

<TABLE>
<CAPTION>
Warehousing of materials
<S>                                       <C>
Pallet Storage Fees - per pallet/month    $  [_____]
Box Storage Fees - per box/month          $  [_____]
     -    approximately 4 boxes/pallet
Rack Storage Fees - per rack/month        $  [____]
</TABLE>

                                       12
<PAGE>

           CONFIDENTIAL TREATMENT OF REDACTED PORTIONS REQUESTED BY
                            INTEK INFORMATION, INC.

                                  ATTACHMENT 4
                                  ------------

Literature Fulfillment Proposal

Literature Fulfillment will require the following items be custom hand picked,
packed, sealed, metered and mailed 1st class:

 Personalized letter - customer name & address, ISR name & extension who placed
 the order
 Full Line Catalog - 6" x 9", 41 pages
 Personalized address label

Assumptions
-----------
 .    Sony will provide Intek with custom 6" x 9" windowed envelopes w/Sony
     "Direct" Logo
 .    6" x 9" envelope will have window customized and address on letter will be
     formatted to fit within window
 .    Sony will provide Intek with all preprinted materials; envelopes, catalogs,
     spec sheets, etc.
 .    Sony will provide Intek with 1 month inventory of all above items - Intek
     will provide Sony inventory usage reports
 .    Sony is responsible for all mailing charges; Intek will use its own postage
     account, track costs, and pass through mailing costs
 .    Based on a potential call volume of 10,000 calls/month, Intek has estimated
     25% or 2500 literature fulfillments/month
 .    Setup charges for creating personalized letters are billed at $[__] /hour.
 .    Setup charges requiring senior level programming skills are billed at
     $[___] /hour.
 .    Daily Minimum Charge of $[___] to cover both invoicing and literature
     fulfillment.
 .    Literature Fulfillment will be done Monday through Friday (Saturday and
     Sunday's invoicing will be done on Monday)
 .    Intek will provide a daily literature fulfillment confirmation report
     online
 .    The prices listed below are priced on a "per thousand" basis

<TABLE>
<CAPTION>
Service Provided                              Unit Cost   Daily Qty  Daily $'s     Monthly $'s     Annual $'s
----------------------------------------------------------------------------------------------------------------
<S>                                          <C>          <C>        <C>           <C>             <C>
Literature Fulfillment Fees
Laser Print Personalized Letter              $  [      ]    125  $    [      ]  $     [      ]  $     [     ]
Fold and Insert Letter                       $  [      ]    125  $    [      ]  $     [      ]  $     [     ]
Insert 6" x 9" Full Line Catalog             $  [      ]    125  $    [      ]  $     [      ]  $     [     ]
Seal 6" x 9" Envelope, meter and mail        $  [      ]    125  $    [      ]  $     [      ]  $     [     ]
----------------------------------------------------------------------------------------------------------------
Total Unit Cost Literature Fulfillment       $  [      ]         $    [      ]  $     [      ]  $     [     ]
----------------------------------------------------------------------------------------------------------------
</TABLE>

<TABLE>
<CAPTION>
Warehousing of materials
<S>                                       <C>
Pallet Storage Fees - per pallet/month    $  [  ]
Box Storage Fees - per box/month          $  [  ]
approximately 4 boxes/pallet
Rack Storage Fees - per rack/month        $  [  ]
</TABLE>

                                       13
<PAGE>

           CONFIDENTIAL TREATMENT OF REDACTED PORTIONS REQUESTED BY
                            INTEK INFORMATION, INC.

                                  ATTACHMENT 4
                                  ------------

Literature Fulfillment Services & Price List
(Prices are per Thousand)

 .    Sony will provide Intek with all custom envelopes w/ Sony "Direct" Logo
 .    Sony will provide Intek with all preprinted materials; catalogs, labels,
     spec sheets
 .    Sony will provide Intek with 1 month inventory of all above items - Intek
     will provide Sony inventory usage reports
 .    Sony is responsible for all mailing charges; Intek will use its own postage
     account, track costs, and pass through mailing costs
 .    Setup charges for creating personalized letters are billed at $[  ]/hour.
 .    Setup charges requiring senior level programming skills are billed at
     $[  ]/hour.
 .    Daily Minimum Charge of $[ ] to cover both invoicing and literature
     fulfillment
 .    Literature Fulfillment will be done Monday through Friday (Saturday and
     Sunday's invoicing will be done on Monday)
 .    The prices listed below are priced on a "per thousand" basis.

<TABLE>
<CAPTION>
Service Provided                                                     Unit Cost
-------------------------------------------------------------------------------
<S>                                                        <C>       <C>
Printing-Standard Letter (per piece)
Laser Printing Invoice                                     $            [    ]
Laser Printing Personalized Letter                         $            [    ]
Laser Printing Standard Letter                             $            [    ]
Laser Printing Label                                       $            [    ]

Folding (per fold)
Machine Fold                                               $            [    ]
Hand Fold                                                  $            [    ]

Hand Inserting (per Insert)
Letters (# 10)                                             $            [    ]
Flats (9 x 12)                                             $            [    ]
Odd Shaped - Catalogs, Magazines                           $            [    ]
Pens, etc...                                               $            [    ]

Hand Labeling (pressure sensitive)
Letters (# 10) 1 1/3" x 4" Avery laser printable labels                 [    ]
Flats (9 x 12) 1 1/3"' x 4" Avery laser printable labels                [    ]

Sealing
Letters (#10)                                              $            [    ]
Flats (9 x 12)                                             $            [    ]

Metering
Meter Stamp                                                $            [    ]
Hand Stamp                                                 $            [    ]

Hand Sorting (per piece)

Zip Order
Letters (#10)                                              $            [    ]
Flats (9 x 12)                                             $            [    ]

Non-Zip Order
Letters  (#10)                                             $            [    ]
Flats (9 x 12)                                             $            [    ]

Hand Counting (per piece)                                  $            [    ]
</TABLE>

                                       14
<PAGE>

         CONFIDENTIAL TREATMENT OF REDACTED PORTIONS REQUESTED BY
                            INTEK INFORMATION, INC.

                                  ATTACHMENT 5
                                  ------------

                            EQUIPMENT LOAN AGREEMENT
                            ------------------------

                                                        Date: December 2, 1997
THIS AGREEMENT is between the following parties:

Sony Electronics Inc.                           Intek Information, Inc.
Information Technologies of America             1455 Frazee Road
3300 Zanker Road                                Suite 220
San Jose, CA 95134-1940                         San Diego, CA 92108
     ("Sony")                                        ("Company")

Sony agrees to lend to the Company and Company agrees to accept the following
Equipment on the following terms and conditions:

1.   Description and value of the Equipment:  Attached as Exhibit A

2.   The Equipment shall be located at the following location:  Intek
                                                                -----
     Information, Inc. 1455 Frazee Road, Suite 220, San Diego, CA 92108.
     ------------------------------------------------------------------

     Company agrees not to remove the Equipment from this location without prior
     written consent of Sony.

3.   Delivery of the Equipment to Company shall be the sole responsibility of
     Sony. Sony shall assume all risk of loss or damage in transit until
     delivery to the aforementioned location.

4.   Upon the expiration or termination of this Agreement, Company agrees to
     return the Equipment to Sony at the Sony location designated by Sony for
     such return. All costs of return delivery shall be borne solely by Company.
     The Company shall assume all risk of loss or damage in transit until
     delivery to Sony.

5.   Title to the Equipment shall at all times remain with Sony. Company assumes
     all risk of loss regardless of cause.

6.   Company shall exercise due care for the safekeeping of the Equipment and
     keep the Equipment in a safe and secure environment at all times.

7.   Company agrees to pay for any Equipment which is not returned at the value
     listed above plus any applicable sales and use taxes. Sony agrees to pay
     the cost of repairs on any Equipment which becomes defective during the
     loan period.

8.   The loan shall be for the term of that Services Agreement between the
     parties dated May 1, 1997 unless otherwise extended in writing by the
     parties to this Agreement.

                                       15
<PAGE>

           CONFIDENTIAL TREATMENT OF REDACTED PORTIONS REQUESTED BY
                            INTEK INFORMATION, INC.

9.   Company agrees to use the Equipment only for the purpose(s) stated below:
     To host Sony Electronics Teleservicing Application and Sybase Database.
     ----------------------------------------------------------------------

10.  Sony shall not be liable for any incidental or consequential damages
     arising out of use of the Equipment.

11.  Company acknowledges that the Equipment has been inspected and is in good
     repair and operating condition.

12.  Sony lends the Equipment to the Company AS IS AND WITH ALL FAULTS and
     specifically disclaims ANY WARRANTIES, EXPRESS OR IMPLIED, INCLUDING THE
     WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE.

Sony Electronics Inc.                    Intek Information, Inc.
By:  ______________________              By: ________________________
Print Name: ________________             Print Name: _________________
Title: _____________________             Title: ______________________
Date: _____________________              Date: ______________________

                                       16
<PAGE>

           CONFIDENTIAL TREATMENT OF REDACTED PORTIONS REQUESTED BY
                            INTEK INFORMATION, INC.

                           Exhibit A to Attachment 5
                           -------------------------

<TABLE>
<CAPTION>
-----------------------------------------------------------------------------------------------------------------------------
Equipment                                                            Quantity        Unit Price          Extended Price
-----------------------------------------------------------------------------------------------------------------------------
<S>                                                                  <C>             <C>                 <C>
Compaq Servers
 Compaq Proliant 50000R 6/200                                                 2           12,307.00               24,614.00
 Pentium Pro 6/200 Processor Kit                                              2            2,125.00                4,250.00
 Rack-Mountable Storage System                                                2            1,118.00                2,232.00
 Rack - 42U                                                                   1            1,678.00                1,678.00
 Rack Stabilizing Kit                                                         1              124.00                  124.00
 Rack Sidewall Kit for Rack - 42U                                             1              208.00                  208.00
 Rack Blanking panel Kit                                                      1               45.00                   45.00
 2.1GB Hard Drive Hot Pluggable                                              10              770.00                7,700.00
 Smart UPS 30000RM, 30000VA                                                   2            1,712.00                3,424.00
 Netflex Controller                                                           2              169.00                  338.00
 10/100 Base TX UTP Module                                                    2               97.00                  194.00
 SCSI Storage Expander For Rack                                               2              661.00                1,322.00
 V50 Monitor                                                                  2              361.00                  722.00
 Rack External Keyboard                                                       2               30.00                   60.00
 Compaq Mouse                                                                 2               35.00                   70.00
 Backup Exec Software for Windows NT v.6.1                                    2              437.00                  874.00
 126MB DIMM RAM Memory Kit                                                    2            1,397.00                2,794.00
-----------------------------------------------------------------------------------------------------------------------------
Subtotal                                                                                                          50,649.00
-----------------------------------------------------------------------------------------------------------------------------
Freight                                                                                                              121.44
Tax                                                                                                                3,925.30
-----------------------------------------------------------------------------------------------------------------------------
Subtotal Compaq Servers with Freight and Tax                                                                      54,695.74
-----------------------------------------------------------------------------------------------------------------------------
Sybase Database Licenses
 Sybase Replication Server                                                    2              [    ]                  [    ]
 SQL Server NT - 64 User                                                      1              [    ]                  [    ]
 Replication Server Manager                                                   1              [    ]                  [    ]
 Sybase Replications Server Support                                           2              [    ]                  [    ]
 SQL Server NT - 64 User Support                                              1              [    ]                  [    ]
 Replication Server Manager Support                                           1              [    ]                  [    ]
-----------------------------------------------------------------------------------------------------------------------------
Subtotal                                                                                                          40,255.30
-----------------------------------------------------------------------------------------------------------------------------
Freight                                                                                                              150.00
Tax                                                                                                                3,119.79
-----------------------------------------------------------------------------------------------------------------------------
Subtotal Sybase Database Licenses with Freight and Tax                                                            43,525.09
-----------------------------------------------------------------------------------------------------------------------------
Grand Total All Equipment Freight and Tax                                                                         98,220.82
-----------------------------------------------------------------------------------------------------------------------------
</TABLE>

                                       17
<PAGE>

           CONFIDENTIAL TREATMENT OF REDACTED PORTIONS REQUESTED BY
                            INTEK INFORMATION, INC.

                                  ATTACHMENT 6
                                  ------------

FEE SCHEDULE
------------

<TABLE>
<CAPTION>
Campaign Set-Up                                         Fee Schedule
---------------                                         ------------
<S>                                                     <C>
Program Design and Set-Up                               $[    ]/hour
IT Programming and Services                             Per Attachment 3 & 4
Training                                                $ [    ] /hour
Travel and Expenses                                     At Vendor cost without
                                                        Markup (passthrough)

Trainer                                                 Included
Recruiting                                              Included
Project Management                                      Included
Campaign Administrator                                  $[    ]/hour
DEI Sales Training                                      At Vendor cost without
                                                        Markup (passthrough)

Operating Features                                      Fee Schedule
------------------                                      ------------

Automated Support (VRU)                                 $[    ]/min
Live Support (ISRs)                                     Per Attachment 2
Training (New Hire, Replacement, Ongoing, Enhancement)  $[    ]/hour
E-Mail Communication to Consumers                       $[    ]/hour
IT Programming and Services                             Per Attachment 3 & 4
Trainer                                                 Included
Fax/E-Mail Communication with Sony                      Included
Project Management                                      Included
Quality Assurance                                       Included
Supervisors                                             Included
Voice Talent                                            $[    ]/hour
Campaign Administration                                 $[    ]/hour
ISR Incentive Plan                                      At Vendor cost without
                                                        Markup (passthrough)
Fax on Demand to Consumers                              $[    ]/page
Travel and Expenses                                     At Vendor cost without
                                                        Markup (passthrough)
</TABLE>

                                       18

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