Document:

<PAGE>   1
                                                               EXHIBIT 10(b)(3)

                                PROMISSORY NOTE
                              (25% Recourse Note)

                                                  Dated as of February 17, 2000
                                           Executed at: _______________________

         FOR VALUE RECEIVED, ROBERT ONISKO ("Maker") hereby promises to pay to
the order of KOGER EQUITY, INC., a Florida corporation ("Lender"), at its
offices at 8880 Freedom Crossing Trial, Jacksonville, Florida 32256 (or at such
other place or places as Lender or the holder hereof may designate in writing,
from time to time), the principal sum advanced to Maker pursuant to the Loan
Agreement (defined below) as such principal sum is outstanding as indicated on
the Draw Schedule (defined below) upon Maker's purchase of Loan Stock pursuant
to Plan Purchases or Subsequent Plan Purchases (as defined in the Loan
Agreement), or such lesser sum as has been advanced and is outstanding at the
time when payment is due hereunder, in lawful money of the United States of
America, together with interest accruing thereon from the date of such advances
at the rates and times hereinafter provided, calculated on the daily principal
balances from time to time outstanding. This Promissory Note (this "Note") is
given by Maker pursuant to the terms of that certain Stock Purchase and Loan
Agreement dated the date hereof between Maker and Lender (the "Loan
Agreement"). Capitalized terms used but not defined herein shall have the
meanings given to such terms in the Loan Agreement.

         Lender is hereby authorized to record on the Draw Schedule attached
hereto as Exhibit "A" ("Draw Schedule") and incorporated herein the (a) date
and amount of each advance by Lender, and (b) date and amount of each principal
payment made by Maker with respect to the principal amount outstanding under
this Note; provided, however, that the failure of Lender to make any such entry
shall not limit or otherwise affect the obligations of Maker under this Note,
or the right of Lender to enforce the terms of this Note against Maker. The
aggregate unpaid principal amount advanced and Outstanding as set forth from
time to time in the Draw Schedule, or any continuation thereof, shall be
rebuttable presumptive evidence of the unpaid principal amount due under this
Note.

         1.       Interest.

                  Interest shall accrue on the unpaid principal balance of this
                  Note from the date such principal is advanced as set forth in
                  the Draw Schedule at the LIBOR Market Index Rate, plus one
                  hundred fifty (150) basis points, as that rate may change on
                  each Payment Date (defined below) in accordance with changes
                  in the LIBOR Market Index Rate (the "Interest Rate"). "LIBOR
                  Market Index Rate," for any day, is the rate for 1 month U.S.
                  dollar deposits as reported on Telerate page 3750 as of 11:00
                  a.m., London time, on such day, or if such day is not a
                  London business day, then the immediately preceding London
                  business day (or if not so reported, then as determined by
                  Lender from another recognized source of interbank
                  quotation). Notwithstanding the foregoing, the Interest Rate
                  hereunder shall be limited to a maximum of ten percent (10%)
                  per annum.

                                  Page 1 of 7
<PAGE>   2

         2.       Payments. The debt evidenced by this Note shall be repaid as
follows:

                  (i)      Commencing on the last calendar day of June, and
                           thereafter on the last calendar day of each of the
                           months of September, December, March and June (each
                           a "Payment Date") until the Maturity Date (defined
                           below), monthly payments of interest only, in
                           arrears, at the Interest Rate, shall be due and
                           payable by Maker to Lender;

                  (ii)     Unless payable earlier pursuant to the terms hereof,
                           the total unpaid principal amount disbursed by
                           Lender to Maker under this Note, and then
                           outstanding, plus all accrued but unpaid interest
                           and any other sums owing by Maker to Lender under
                           the terms of the Loan Documents, shall be due and
                           payable on the last day of the earlier of: (i) ten
                           (10) years from the date of this Note, to wit:
                           February 17, 2010; or (ii) the second anniversary of
                           Maker's termination of employment by Lender under
                           the Employment Agreement with "Cause" pursuant to
                           Section 4(c) of Maker's Employment Agreement with
                           Lender, dated as of February 17, 2000 (such date is
                           referred to herein as the "Maturity Date"); and

         3.       Prepayment. This Note may be prepaid in whole or in part at
any time without penalty or premium.

         4.       Late Charge. In the event that Maker fails to pay any payment
of principal and/or interest within thirty (30) days after such payment is due,
a late charge equal to five percent (5%) of the amount of such payment shall be
due and payable. From and after the date upon which any payment of principal or
interest hereunder becomes due and payable (whether by acceleration or
otherwise) if the same is not paid within thirty (30) days of such due date,
interest shall be payable on all sums outstanding hereunder at the maximum rate
permitted by applicable law, and shall be due and payable ON DEMAND.

         5.       Intent Not to Commit Usury. Nothing herein contained, nor any
transaction related thereto, shall be construed or so operate as to require
Maker to pay interest at a greater rate than is now lawful in such case to
contract for, or to make any payment, or to do any act contrary to applicable
law. Should any interest or other charges paid by Maker, or parties liable for
the payment of this Note, in connection with the loan evidenced by this Note,
Loan Agreement securing the payment of this Note, or any other document
delivered in connection with the loan evidenced hereby, result in the
computation or earning of interest in excess of the maximum rate of interest
that is legally permitted under applicable law, then any and all such excess
shall be and the same is hereby waived by Lender and holder hereof, and any and
all such excess shall be automatically credited against and in reduction of the
balance due under this indebtedness, and the portion of said excess which
exceeds the balance due under this indebtedness shall be paid by Lender to
Maker and parties liable for the payment of this Note.

                                  Page 2 of 7
<PAGE>   3

         6.       Default. In addition to such other remedies as may be
available to Lender, upon the occurrence of any Event of Default (as defined in
the Loan Agreement or the Security Agreement) which remains uncured for a
period of thirty (30) days, then Lender or the holder hereof may, elect to
declare and may demand payment in full of the entire unpaid principal amount
outstanding hereunder, together with interest accrued thereon.

         7.       25% RECOURSE. EXCEPT AS PROVIDED BELOW, THIS NOTE SHALL BE
NON-RECOURSE TO MAKER SUCH THAT LENDER SHALL NOT SEEK TO ENFORCE AGAINST MAKER
INDIVIDUALLY, ANY MONETARY JUDGEMENT WITH RESPECT TO THE SUMS DUE UNDER THIS
NOTE EXCEPT THROUGH RECOURSE TO THE COLLATERAL GIVEN AS SECURITY FOR THIS NOTE
AND SOLELY AGAINST SUCH COLLATERAL. THE NON-RECOURSE NATURE OF THIS NOTE IS A
MATERIAL INDUCEMENT TO MAKER BORROWING FUNDS FROM LENDER UNDER THIS NOTE, ENTRY
INTO THE LOAN AGREEMENT AND OTHER LOAN DOCUMENTS. NOTWITHSTANDING THE
FOREGOING, MAKER SHALL BE INDIVIDUALLY LIABLE FOR TWENTY FIVE PERCENT (25%) OF
THE PRINCIPAL AMOUNT AND ONE HUNDRED PERCENT (100%) OF THE INTEREST DUE UNDER
THE NOTE INSOFAR AS THE COLLATERAL GIVEN AS SECURITY FOR REPAYMENT IS
INSUFFICIENT TO PAY THE SUMS DUE HEREUNDER.

         8.       Waivers; Attorneys' Fees; Venue. Maker and all endorsers and
guarantors of this Note hereby waive demand, presentment, notice of non-payment
(except as provided herein), dishonor and protest, and agree in case suit shall
be brought for the collection hereof, or if it is necessary to place the same
in the hands of an attorney for collection, to pay reasonable attorneys' fees
for making such collection, including but not limited to, all fees and costs
incident to any appellate, post-judgment, and bankruptcy proceedings that may
result, whether the holder hereof is obligated therefor or not. Maker agrees
that Palm Beach County, Florida is the proper venue for any and all legal
proceedings arising out of this Note.

         9.       Governing Law. The provisions of this Note and the provisions
of the Loan Agreement, and any other document or instrument evidencing or
securing the loan evidenced by this Note, shall be construed according to the
laws of the State of Florida, except if federal law would allow the payment of
interest hereunder at a higher maximum rate than would applicable Florida law,
such federal law shall apply to the determination of the highest applicable
lawful rate of interest hereunder.

         10.      Amendment. This Note may not be amended or modified, nor
shall any waiver of any provisions hereof be effective, except by an instrument
in writing executed by the holder of this Note.

         11.      WAIVER OF JURY TRIAL. THE PARTIES HERETO MUTUALLY AND
WILLINGLY WAIVE THE RIGHT TO A TRIAL BY JURY OF ANY AND ALL CLAIMS MADE BETWEEN
THEM WHETHER NOW EXISTING OR ARISING IN THE FUTURE, INCLUDING WITHOUT
LIMITATION, ANY AND ALL CLAIMS, DEFENSES,

                                  Page 3 of 7
<PAGE>   4

COUNTERCLAIMS, CROSSCLAIMS, THIRD PARTY CLAIMS AND INTERVENOR'S CLAIMS WHETHER
ARISING FROM OR RELATED TO THE NEGOTIATION, EXECUTION AND PERFORMANCE OF THE
TRANSACTIONS TO WHICH THIS DOCUMENT RELATES.

         IN WITNESS WHEREOF, Maker has executed and delivered this Note to
Lender as of the date and year first above written.

                                    MAKER:

                                    /s/ Bob Onisko
                                    ROBERT ONISKO, individually

                                  Page 4 of 7
<PAGE>   5

                                  EXHIBIT "A"

                            DRAW SCHEDULE FOR DEMAND
                     PROMISSORY NOTE DATED _______ __, 2000

<TABLE>
<CAPTION>
                   Amount of           Amount of        Balance of
Date of            Principal           Principal         Principal            Signature
Transaction        Advanced            Repaid           Outstanding           of Maker
------------      -----------         ----------        -----------        --------------
<S>               <C>                 <C>               <C>                <C>

                                                                           /s/ Bob Onisko
------------      -----------         ----------        -----------        --------------

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</TABLE>

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<TABLE>
<CAPTION>
                   Amount of           Amount of        Balance of
Date of            Principal           Principal         Principal            Signature
Transaction        Advanced            Repaid           Outstanding           of Maker
-----------        ---------           ---------        -----------           ---------
<S>               <C>                 <C>               <C>                <C>

------------      -----------         ----------        -----------        --------------

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</TABLE>

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<TABLE>
<CAPTION>
                   Amount of           Amount of        Balance of
Date of            Principal           Principal         Principal            Signature
Transaction        Advanced            Repaid           Outstanding           of Maker
------------       ---------           ---------        -----------           ---------
<S>               <C>                 <C>               <C>                <C>

------------      -----------         ----------        -----------        --------------

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</TABLE>

                                  Page 7 of 7<PAGE>   1
                                                                EXHIBIT 10(b)(4)

                        STOCK PLEDGE SECURITY AGREEMENT
                                  (SECURITIES)

         AGREEMENT by and between KOGER EQUITY, INC., ("Lender") and ROBERT
ONISKO ("Borrower") dated as set forth in subsection 1.5 below. Capitalized
terms used and not otherwise defined herein shall have the meanings set forth
in the Loan Agreement (as defined below).

         1.       DEFINITIONS

                  The terms set forth below shall be defined as follows:

                  1.1      "Account" means securities account number 040-21650
                           at Bear, Stearns Securities Corp.

                  1.2      "Borrower" means Robert Onisko, an individual.

                  1.3      "Borrower's Address" is: 1676 S.W. 19th Avenue, Boca
                           Raton, Florida 33486.

                  1.4      "Borrower's Collateral" means (i) the Loan Stock;
                           (ii) the Account, all funds, Financial Assets and
                           Investment Property therein and all certificates and
                           instruments from time to time representing or
                           evidencing the Account or any funds, securities,
                           investments, Financial Assets, Investment Property
                           or other property deposited and held in the Account
                           (including, without limitation, all Loan Stock
                           deposited in the Account) and all other property or
                           rights assigned or allocable to the Account; (iii)
                           all notes, certificates of deposit, deposit amounts,
                           checks and other investments from time to time
                           hereafter delivered to or otherwise possessed by
                           Borrower in substitution for any or all of the
                           foregoing; (iv) all interest, cash, instruments and
                           other property from time to time received,
                           receivable, or distributed in respect of any or all
                           of the foregoing; (v) all Security Entitlements of
                           Borrower in or with respect to any and all of the
                           foregoing; (vi) all rights of Borrower under the
                           Control Agreement; and (vii) all proceeds of any and
                           all of the foregoing.

                  1.5      "Collateral Account Control Agreement" means that
                           certain Account Control Agreement among Lender,
                           Bear, Stearns Securities Corp. and Borrower being
                           executed contemporaneously herewith.

                  1.6      "Date of Agreement" is: dated as of February 17,
                           2000.

                  1.7      "Event of Default" means each and every event
                           specified in Section 4 of this Agreement.

<PAGE>   2

                  1.8      "Lender's Address" is: 8880 Freedom Crossing Trial,
                           Jacksonville, Florida 32256.

                  1.9      "Loan" means that certain loan from Lender to
                           Borrower as set forth in the Loan Agreement and as
                           evidenced by the Notes.

                  1.10     "Loan Agreement" means the Stock Purchase and Loan
                           Agreement between Borrower and Lender being executed
                           herewith.

                  1.11     "Loan Amount" means the total amount of the loan
                           from Lender to Borrower as set forth in the Notes
                           which amount is sufficient to enable Borrower to
                           purchase up to a maximum of 150,000 shares of
                           Lender's common stock as provided in the Loan
                           Agreement.

                  1.12     "Loan Stock" means the common stock of the Lender
                           purchased by Borrower with proceeds from the Loan.

                  1.13     "Notes" means the 25% Recourse Note and the No
                           Recourse Note both as described in the Loan
                           Agreement.

                  1.14     "Obligations" means all indebtedness, obligations
                           and liabilities of Borrower to Lender arising
                           pursuant to the Loan Agreement and the Notes and all
                           interest, taxes, fees, charges, expenses and
                           reasonable attorneys' fees chargeable to Borrower or
                           incurred by Lender under this Agreement, or any
                           other document or instrument delivered in connection
                           with the Loan Agreement.

                  1.15     "Uniform Commercial Code" means the Uniform
                           Commercial Code as enacted in the State of Florida
                           and in effect from time to time.

                           To the extent not defined in Section 1 or the Loan
                           Agreement, unless the context otherwise requires,
                           all other terms contained in this Agreement shall
                           have the meanings attributed to them by the Uniform
                           Commercial Code in force in the State of Florida, as
                           of the Date of Agreement, to the extent that same
                           are used or defined therein.

                           To the extent not defined in Section 1, unless the
                           context otherwise requires, all other accounting
                           terms contained in this Agreement shall have the
                           meanings attributed to them by generally accepted
                           accounting principals, as of the Date of Agreement,
                           to the extent that same are used or defined therein.

<PAGE>   3

         2.       GRANT OF SECURITY INTEREST

                           To secure payment and performance of Borrower's
                           obligations and duties under the terms of the Loan
                           Agreement and the Notes, Borrower hereby pledges,
                           assigns and transfers to Lender, and grants to
                           Lender a continuing lien on and security interest in
                           and to Borrower's Collateral.

         3.       SPECIFIC REPRESENTATIONS, WARRANTIES AND COVENANTS WITH
                  RESPECT TO BORROWER'S COLLATERAL

                  With respect to Borrower's Collateral, Borrower hereby
                  represents and warrants and covenants with Lender, as
                  follows:

                  3.1      Borrower agrees to reimburse Lender, on demand, for
                           any amounts paid or advanced by Lender for the
                           purpose of preserving Borrower's Collateral or any
                           part thereof and/or any liabilities or expenses
                           incurred by Lender as the transferee or holder of
                           Borrower's Collateral.

                  3.2      Lender shall be under no duty to:

                           3.2.1    Collect or protect Borrower's Collateral or
                                    any proceeds thereof or give any notice
                                    with respect thereto.

                           3.2.2    Preserve the rights of Borrower with
                                    respect to Borrower's Collateral against
                                    prior parties.

                           3.2.3    Preserve rights against any parties to any
                                    instrument or chattel paper which may be a
                                    part of Borrower's Collateral.

                           3.2.4    Sell or otherwise realize upon Borrower's
                                    Collateral.

                           3.2.5    Seek payment from any particular source.

                           Without limiting the generality of the foregoing,
                           Lender shall not be obligated to take any action in
                           connection with any conversion, call, redemption,
                           retirement, or any other event relating to any of
                           Borrower's Collateral.

                  3.3      Lender shall exercise reasonable care in the custody
                           and preservation of Borrower's Collateral to the
                           extent required by applicable statute and use its
                           best efforts to take such action as the Borrower may
                           reasonably request in writing but the failure to do
                           any such act shall not be deemed a failure to
                           exercise reasonable care.

                                       3
<PAGE>   4

                  3.4      Borrower will not withdraw any money or property
                           from the Account, nor sell nor offer to sell nor
                           otherwise transfer any portion of the Borrower's
                           Collateral, except upon Onisko's payment to Lender
                           of the "Per Share Release Price" from the proceeds
                           derived from the sale of the Loan Stock as provided
                           in Section 2.2(E) of the Loan Agreement. Such sums
                           or securities may be withdrawn only upon notice to
                           and the prior written consent of Lender which shall
                           not be withheld provided that Onisko pays Lender the
                           Per Share Release Price. Lender acknowledges that
                           the total value of the Account may exceed the Loan
                           Amount, but that Lender's right to recovery upon the
                           Loan Agreement, the Notes and this Agreement shall
                           be limited to the amounts specified in the Notes. If
                           no Event of Default has occurred or is continuing,
                           Borrower may make trades in such account. Borrower
                           may exercise any voting or consensual rights with
                           respect to the Borrower's Collateral.

                  3.5      If the Borrower's Collateral is in a securities
                           account maintained by Borrower or on behalf of
                           Borrower at a third party, Borrower will furnish or
                           cause to be furnished to Lender a control agreement
                           signed by Borrower and such third party pursuant to
                           which such third party agrees, among other things,
                           to take no instructions with respect to the
                           Borrower's Collateral, except as provided in such
                           agreement.

         4.       EVENTS OF DEFAULT AND ACCELERATION

                  4.1      The occurrence of any one or more of the following
                           events shall constitute an Event of Default
                           hereunder:

                           4.1.1    Failure to perform or observe any covenant,
                                    term or agreement herein set forth or set
                                    forth in the Notes beyond any applicable
                                    grace period;

                           4.1.2    Occurrence of any Event of Default beyond
                                    any applicable grace period provided for in
                                    the Loan Agreement;

                           4.1.3    Termination of the Account except as
                                    permitted by the Collateral Account Control
                                    Agreement; and

                           4.1.4    Termination of any Collateral Account
                                    Control Agreement except as provided in
                                    such agreement.

                  4.2      If any Event of Default shall occur and be
                           continuing beyond any applicable grace period, then
                           or at any time thereafter, while such Event of
                           Default shall continue, Lender may declare all
                           Obligations to be due and payable, without notice,
                           protest, presentment or demand, all of which are
                           hereby expressly waived by Borrower.

                                       4
<PAGE>   5

                  4.3      If any Event of Default shall occur hereunder or
                           under the Loan Agreement, Borrower shall, if
                           required by Lender, cease making trades in the
                           Account.

         5.       RIGHTS AND REMEDIES

                  Lender shall have the rights and remedies set forth in the
                  Loan Agreement, together with:

                  5.1      The right to proceed at law or in equity against the
                           Account and without demand or advertisement (which
                           are hereby waived) but on ten (10) days prior
                           written notice to Borrower, to sell, assign and
                           deliver the whole or any of the Borrower's
                           Collateral at any time or times, at such prices as
                           it may deem best, either at any broker's board or at
                           public or private sale in Florida or elsewhere; and
                           at any sale at broker's board or at public auction,
                           Lender may purchase and hold the whole or any part
                           of the Borrower's Collateral sold, free from any
                           claim or right of redemption of Borrower and the
                           Borrower's Collateral sold may be retained by Lender
                           until the selling price is paid by the purchaser;
                           Lender shall incur no liability in the case of the
                           failure of the purchaser to take up and pay for the
                           Borrower's Collateral so sold, and in the event of
                           such failure, the Borrower's Collateral may again be
                           sold; and upon the sale of any Borrower's
                           Collateral, the Lender shall apply the net proceeds
                           thereof to the payment of expenses of such sale and
                           the reduction in payment of the Loan Amount,
                           accounting to Borrower for any surplus.

                  5.2      The right to file a copy (including a carbon,
                           photographic or other reproduction) of this Security
                           Agreement in lieu of a financing statement.

         6.       GENERAL PROVISIONS

                  6.1      This Agreement is a security agreement within the
                           meaning of the Uniform Commercial Code in force in
                           the State of Florida.

                  6.2      The terms and conditions set forth in the Loan
                           Agreement shall be fully applicable and are
                           incorporated herein as terms and conditions of this
                           Agreement.

         7.       WAIVER OF JURY TRIAL

                  BORROWER WAIVES TRIAL BY JURY AND CONSENTS TO AND CONFERS
                  PERSONAL JURISDICTION ON COURTS OF THE STATE OF NEW JERSEY OR
                  OF THE FEDERAL DISTRICT OF FLORIDA, AND EXPRESSLY WAIVES ANY
                  OBJECTIONS AS TO VENUE IN ANY OF

                                       5
<PAGE>   6

                  SUCH COURTS AND AGREES THAT SERVICE OF PROCESS MAY BE MADE ON
                  BORROWER BY MAILING A COPY OF THE SUMMONS TO BORROWER AT
                  BORROWER'S ADDRESS. LENDER LIKEWISE WAIVES TRIAL BY JURY.

                                       6
<PAGE>   7

         IN WITNESS WHEREOF, the undersigned has set his hand and seal as of
the day and year first written above.

                                     LENDER:

                                     KOGER EQUITY, INC., a Florida corporation

                                     By:  /s/ W. Lawrence Jenkins
                                        ---------------------------------------
                                     Name: W. Lawrence Jenkins
                                          -------------------------------------
                                     Title: Vice President
                                           ------------------------------------

                                     BORROWER:

                                     By: /s/ Bob Onisko
                                        ---------------------------------------
                                        Robert Onisko, individually

                                       7

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