Document:

<PAGE>   1

                                                                   EXHIBIT 10.20

                                 PROMISSORY NOTE

$451,503.94                                                   September 30, 1999

         FOR VALUE RECEIVED, the undersigned, Citadel Technology, Inc., a
Delaware corporation (the "Maker"), promises to pay to the order of How2HQ.com,
Inc. (the "Payee"), at such place as Payee may designate in writing, in lawful
money of the United States of America, the principal sum of Four Hundred Fifty
One Thousand Five Hundred Three Dollars and Ninety Four Cents ($451,503.94) on
the terms and conditions hereinafter set forth.

         This Note shall bear interest at a rate of 5% per year (simple
interest) and shall mature upon demand by the Payee, at which time all
outstanding principal and interest shall be due and payable. Maker shall have
the right to prepay this Note, in whole or in part, at any time without penalty.
Maker's payment of this Note shall be secured by the pledge of 300,000 shares of
common stock of How2HQ.com, Inc.

          The entire unpaid principal balance of this Note shall immediately
become due and payable, at the option of Payee, upon the occurrence of the
following event of default (the "Event of Default"): Failure by Maker to pay any
installment of principal hereof as and when the same becomes due and payable in
accordance with the terms hereof and the continuation of said failure for a
period of ten (10) days after Payee has provided Maker with written notice of
such failure. In the event an Event of Default specified hereinabove shall
occur, Payee may proceed to protect and enforce its rights either by suit in
equity and/or by action at law, by other appropriate proceedings or by
converting the pledged shares from Maker's ownership to Payee's ownership. No
delay on the part of Payee in the exercise of any power or right under this
Note, or under any other instrument executed pursuant thereto shall operate as a
waiver thereof, nor shall a single or partial exercise of any other power or
right preclude further exercise thereof.

         It is hereby specially agreed that if this Note is placed into the
hands of an attorney for collection, or if proved, established, or collected in
any court, Maker agrees to pay to Payee an amount equal to all expenses incurred
in enforcing or collecting this Note, including court costs and reasonable
attorneys' fees.

         Except for the notice expressly provided herein, the undersigned and
all endorsers, sureties, and guarantors hereof hereby jointly and severally
waive presentment for payment, demand, notice of nonpayment, protest, notice of
protest, and without further notice hereby consent to renewals, extensions, or
partial payments either before or after maturity.

         All agreements between Maker and Payee, whether now existing or
hereafter arising and whether written or oral, are expressly limited so that in
no contingency or event whatsoever shall the amount paid, or agreed to be paid,
to Payee hereof for the use, forbearance, or detention of the money advanced to
Maker, or for the performance or payment of any covenant or obligation

                                      -1-

<PAGE>   2

contained herein, exceed the maximum amount permissible under applicable federal
or state law. If, from any circumstance whatsoever, fulfillment of any provision
hereof at the time performance of such provision shall be due shall involve
transcending the limit of validity prescribed by law, then the obligation to be
fulfilled shall be reduced to the limit of such validity, and if from any such
circumstance Payee shall ever receive as interest under this Note or otherwise
an amount that would exceed the highest lawful rate, such amount that would be
excessive interest shall be applied to the reduction of the principal amount
owing under this Note and not to the payment of interest or, if such excessive
interest exceeds the unpaid principal balance of this Note, such excess shall be
refunded to Maker. All sums paid or agreed to be paid to Payee for the use,
forbearance, or detention of the indebtedness evidenced hereby shall, to the
extent permitted by applicable law, be amortized, prorated, allocated, and
spread throughout the full term of such indebtedness until payment in full so
that the actual rate of interest on account of such indebtedness is uniform
throughout the term thereof. The terms and provisions of this paragraph shall
control every other provision of all agreements between Maker and Payee.

         This Note shall be governed by and construed in accordance with the
laws of the State of Texas and the laws of the United States applicable to
transactions in Texas.

MAKER:

CITADEL TECHNOLOGY, INC.

By:
   ---------------------------------------
   Steven B. Solomon, Its CEO

                                       -2-<PAGE>   1
                                                                   EXHIBIT 10.35

                   [MURDOCK CAPITAL PARTNERS CORP. LETTERHEAD]

April 5th, 2000

Mr. Michael J. Forster
President and COO
SmartSources.com
2030 Marine Drive, Suite 100
North Vancouver, BC, Canada, V7P 1V7

RE:      CONTRACT FOR CORPORATE CONSULTING AND INVESTOR RELATIONS FOR
         SMARTSOURCES.COM

================================================================================

SmartSources.com (SmartSources) hereby engages Murdock Capital Partners Corp.
(Murdock Capital) and Murdock Capital hereby accepts such engagement to provide
consulting services to SmartSources for the purpose of facilitating the
communication of information about SmartSources and its business to investors
and the public markets generally, subject to the terms and conditions set forth
herein.

Effective April 5, 2000, Murdock Capital will serve as consultant to
SmartSources for a period of 12 months, subject to the termination provisions
set out herein. After a period of 12 months, this agreement shall be
automatically extended on a monthly basis thereafter. Duties and activities will
consist of the following as from time to time requested by SmartSources together
with such activities as the parties mutually agree:

1.       Assisting SmartSources' corporate officers and advisors in the
         preparation and dissemination of press releases and announcements
         relating to newsworthy corporate developments.

2.       Serving as a designated liaison in the United States for receiving and
         responding appropriately to inquiries from retail shareholders,
         interested brokers, institutional investors, research analysts and the
         media for information about SmartSources, its business, and corporate
         developments.

<PAGE>   2

Mr. Michael J. Forster
President and COO
SmartSources.com
April 5th, 2000
Page 2 of 4

3.       Assisting with meetings with institutional investors, analysts, and
         financial professionals.

4.       Assisting corporate officers when so called upon in preparing
         communications to stockholders including the annual and quarterly
         reports, and other correspondence.

5.       Arranging informational meetings between SmartSources' management and
         prominent money managers, research analysts, and other influential
         people in the investment community to increase and maintain interest in
         SmartSources.

6.       Assisting in the compilation of publicly available reports, news
         releases, and other information about SmartSources for distribution in
         response to inquiries from interested parties.

7.       If requested by SmartSources, Murdock Capital will publish a research
         report under Murdock Capital's aegis to be updated quarterly for a
         period of one year. SmartSources will pay an additional one-time fee of
         US$25,000 (Twenty five thousand dollars), half of which shall be paid
         on start of such original report and half upon publication of same.

8.       Providing corporate consulting services to SmartSources concerning the
         company's listing process in the US public markets including the review
         of all legal and financial registration documents.

9.       Assist SmartSources' management in providing merchant banking advice
         and services. Should Murdock Capital introduce or cause to be
         introduced any investor that participates in any financing of
         SmartSources, a 7.5 percent (seven and one half percent) finder's fee
         will be paid to Murdock Capital on the gross proceeds of funds invested
         and raised, excepting for a registered secondary.

As the sole consideration for the consulting services provided by Murdock
Capital, SmartSources will compensate Murdock Capital as follows:

1.       Subject to regulatory approval, SmartSources will pay Murdock Capital a
         fee of US$7,500 (Seven thousand five hundred dollars) per month during
         the term of this Agreement, payable on the first day of each calendar
         month beginning on April 1, 2000.

<PAGE>   3

Mr. Michael J. Forster
President and COO
SmartSources.com
April 5th, 2000
Page 3 of 4

2.       Murdock Capital shall be entitled to receive from SmartSources up to a
         maximum of 200,000 warrants (Two hundred thousand) warrants, each
         warrant of which shall give Murdock Capital the right to acquire one
         (1) common share of SmartSources' Common Stock until March 31, 2005 at
         a purchase price equal to the closing price on the date of the signing
         of this contract (the "Warrants"). The vesting of the Warrants shall
         vest in accordance with the following schedule:

                  a.       100,000 (One hundred thousand) warrants shall vest on
                           April 5, 2000

                  b.       17,000 (Seventeen thousand) warrants shall vest on
                           the first day of the month of October, 2000 and every
                           month thereafter until the first day of the month of
                           March 2001 at which time the final 15,000 (Fifteen
                           thousand) warrants will vest.

3.       SmartSources will reimburse Murdock Capital for reasonable
         out-of-pocket expenditures incurred by Murdock Capital and approved by
         the COO or CFO of SmartSources, or other officer designated by them,
         including travel and entertainment and all expenses associated with the
         printing and distribution of any research report (e.g., stationery,
         printing and mailing costs). Travel costs as well as expenses in excess
         of $300 shall be approved in advance.

4.       The Warrants shall have "piggy back" (demand) registration rights and,
         in any case, 100,000 (One hundred thousand) of same shall be registered
         and filed no later than July 15, 2000, and 100,000 (One hundred
         Thousand) shall vest monthly and be registered "piggy back" or no later
         than April 15, 2001. Any Warrants that are issued and vested under this
         agreement will remain the property of Murdock Capital.

This Agreement will be subject to the following terms and conditions:

1.       It is expressly understood that SmartSources may terminate this
         agreement immediately at any time with no further liability to Murdock
         Capital upon (i) representations or statements concerning SmartSources
         or its operations being made by Murdock Capital, its employees or
         agents to third parties which are not contained in or based on the
         written material provided by SmartSources to Murdock Capital, (ii) the
         gross negligence or willful misconduct of Murdock Capital, its
         employees or agents, or (iii) a failure by Murdock Capital, its
         employees or agents to comply with all applicable laws. Upon a
         termination for cause, any unvested options shall be immediately
         cancelled and SmartSources shall have no liability to Murdock Capital
         except for reimbursement of any approved expenses.

<PAGE>   4
Mr. Michael J. Forster
President and COO
SmartSources.com
April 5th, 2000
Page 4 of 4

2.       Nothing in this Agreement shall create any partnership or joint venture
         between the parties hereto; it being understood and agreed that the
         parties are independent contractors and neither has the authority to
         bind the other in any way.

3.       This Agreement has been made in the State of New York and shall be
         construed and governed in accordance with the laws thereof without
         regard to conflict of laws. The parties hereto attorn to the
         non-exclusive jurisdiction of the courts of the State of New York.

4.       This Agreement contains the entire agreement between the parties and
         may not be altered or modified, except in writing and signed by the
         parties hereto, and supersedes any and all previous agreements between
         the parties.

5.       Murdock Capital acknowledges and agrees that specified segments of
         information received from SmartSources under this agreement are
         exclusive proprietary information and the same shall not be divulged,
         published or distributed in any manner or form to any third party
         without any express right or written consent of SmartSources and will
         be returned to SmartSources on request.

6.       SmartSource and Murdock Capital agree to comply with all United States
         federal and state securities and other laws applicable to the
         activities contemplated by this Agreement, including, among other
         things, provisions (i) requiring any person circulating reports or
         other information about a security for consideration to disclose its
         compensation arrangements, (ii) prohibiting untrue or misleading
         statements or omissions, and (iii) prohibiting trading in securities by
         persons in possession of material nonpublic information. The parties
         agree that Murdock Capital will be considered to have breached this
         covenant only if Murdock Capital's personnel have participated in the
         activities not in compliance with law.

ACCEPTED BY:

MURDOCK CAPITAL PARTNERS CORP.               SMARTSOURCES.COM

NAME: Paul L. Stock                          NAME:  Darryl Cardey
     --------------------------                   --------------------------

TITLE: Managing Director                     TITLE: Chief Financial Officer
      -------------------------                    -------------------------

SIGNATURE: /s/ PAUL L. STOCK                 SIGNATURE: /s/ DARRYL CARDEY
          ---------------------                        ---------------------

DATE: April 6th, 2000                        DATE:  June 15, 2000
     --------------------------                   --------------------------

Source: [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00010-of-00352.parquet"}, [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00010-of-00352.parquet"}]]