Document:

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                                                                    Exhibit 10.2
                                PROMISSORY NOTE

1.   For value received, the undersigned ("Borrower") promises to pay to
     Greenleaf Capital, Inc. ("Lender"), 3505 Greenleaf Blvd., Kalamazoo,
     Michigan, the principal amount of up to Eleven Million Dollars
     ($11,000,000) and interest computed on the basis of a 360-day year for the
     actual number of days elapsed on the unpaid principal balance at a rate per
     annum of 11.3% until maturity and 11.3% after maturity. From time to time
     such interest rate shall be reviewed by Greenleaf and the Company and
     adjusted if appropriate through mutual agreement.

2.   INSTALLMENT PAYMENT. The principal of and interest on this note shall be
     paid in installments beginning August 12, 1999 and on the 12th day of each
     succeeding month until June 12, 2004, at which time the remaining balance
     of principal and interest shall be paid in full. Each installment shall be
     in an amount equal to a sum that allows for the principal to be repaid over
     a 15 year amortization period plus interest accrued at the above rate on
     the average outstanding principal outstanding for the previous 30 day
     period.

3.   EXPENSES. Borrower shall reimburse Lender for all out-of-pocket expenses
     that Lender incurs in connection with making the loan evidenced by this
     note and any renewals, extensions, or modifications and with taking any
     security for it, including without limitation filing and recording fees,
     attorney fees, and expenses, and costs of credit reports, surveys,
     appraisals, title work, and mortgagee's title insurance.

4.   LINE OF CREDIT. The principal of this note may be borrowed, repaid, and
     reborrowed by Borrower from time to time, provided that Lender enters into
     a written agreement with Borrower providing for such action. Lender's
     records shall be prima facie evidence of all loans and repayments and of
     the indebtedness outstanding under this note at any time. Unless Lender has
     otherwise agreed in writing, Lender is not obligated to extend any further
     loan to Borrower under this note, and any loan extension shall be made in
     Lender's sole discretion.

5.   PREPAYMENTS. Borrower may prepay all or part of the principal of this note
     at any time. Any partial prepayment will be applied to the installment or
     installments last falling due under this note, and a partial prepayment
     shall not affect the amount or time of payment of succeeding required
     installments.

6.   SECURITY. This note and all obligations of Borrower under it are secured by
     a certain Security Agreement of loan date herewith given by Borrower to
     Lender and all security agreements, guaranties, mortgages, pledge

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     agreements, assignments, and all other agreements and instruments that have
     been or in the future are given by any Borrower or any third party to
     Lender ("security document(s)") including, but not limited to, security
     documents given in connection with or referred to in any prior promissory
     notes given to Lender by any Borrower and security documents that secure
     any present or future guaranty of all or part of the indebtedness evidenced
     by this note. Lender shall have all of the rights and powers set forth in
     the security document(s) and in any other written agreements that have been
     or in the future are given to Lender by Borrower, as though they were fully
     set forth in this note. As additional security for the payment of
     Borrower's obligations under this note, Borrower grants to Lender a
     security interest in all tangible and intangible property of Borrower now
     or in the future in the possession of Lender.

7.   DEFAULT AND ACCELERATION. Each of the following shall be an event of
     default under this note:
     a.   a default in the payment of any installment of principal or interest
          under this note or of any late charge or out-of-pocket expense that
          Borrower at any time owes to the holder of this note or in the payment
          of any other indebtedness or obligation that Borrower now or in the
          future owes to the holder, as and when it shall be or become due and
          payable;
     b.   a default in the performance of any other obligation to Lender under
          this note, or any security document, or any other agreement that has
          been or in the future is entered into between Borrower and Lender;
     c.   any warranty or representation made to Lender by Borrower or by any
          Guarantor of all or part of the indebtedness evidenced by this note
          ("Guarantor"), in any security document or in any financial statement
          or other document given to Lender, was false in any material respect;
     d.   Borrower or any Guarantor or any of Borrower's or Guarantor's partners
          (if any Borrower or Guarantor is a partnership), dies, dissolves,
          becomes insolvent, or makes an assignment for the benefit of lenders;

     On the occurrence of any event of default, all or any part of the
     indebtedness and all or any part of all other indebtedness evidenced by
     this note and obligation then owing by Borrower to the holder shall, at the
     option of the holder, become immediately due and payable without notice or
     demand. If a voluntary or involuntary case in bankruptcy, receivership, or
     insolvency is at any time be begun by or against Borrower, or if any levy,
     writ of attachment, garnishment, execution, or similar process is issued
     against or placed upon any property of Borrower, then all such indebtedness
     shall automatically become immediately due and payable. All or any part of
     the indebtedness evidenced by this note also may become, or may be declared
     to be, immediately due and payable under the terms and conditions contained
     in any security document or other

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     agreement that has been or in the future is entered into between Borrower
     and the holder of this note.

8.   PLACE AND APPLICATION OF PAYMENTS. Each payment on this note shall be made
     at Lender's address set forth above or any other place that the holder
     directs in writing. Any payment on this note shall be applied in the
     following order: first to any expenses (including expenses of collection)
     then due and payable to Lender under this note, second to any unpaid late
     charges, third to any applicable prepayment premium, fourth to any accrued
     and unpaid interest, and fifth to the unpaid principal balance. If Borrower
     at any time owes the holder of this note any indebtedness or obligation in
     addition to the indebtedness evidenced by this note, and if any
     indebtedness owed by Borrower to the holder is then in default, then
     Borrower shall have no right to direct or designate the particular
     indebtedness or obligation on which any payment made by or collected from
     Borrower or other security shall be applied. Borrower waives any such right
     and agrees that the manner of application of any such payment, as between
     or among such indebtedness and obligations, shall be determined solely by
     the holder.

9.   SETOFF. The holder of this note shall have the right at any time to set off
     any indebtedness that Lender then owes to Borrower against any indebtedness
     evidenced by this note that is then due and payable.

10.  REMEDIES. The holder of this note shall have all rights and remedies
     provided by law and by agreement of any Borrower. Any requirement of
     reasonable notice with respect to any sale or other disposition of
     collateral shall be met if the holder sends the notice at least ten days
     before the date of sale or other disposition. Borrower shall reimburse the
     holder for all expenses, including reasonable attorney fees and legal
     expenses, that the holder pays or incurs in protecting and enforcing the
     rights of and obligations to the holder under any provision of this note or
     any security document.

11.  WAIVERS. No delay by the holder of this note shall be a waiver of the
     exercise of any right or remedy. No single or partial exercise by the
     holder of any right or remedy shall preclude any other or future exercise
     of that or any other right or remedy. No waiver by the holder of any
     default or of any provision of this note shall be effective unless it is in
     writing and signed by the holder. No waiver of any right or remedy on one
     occasion shall be a waiver of that right or remedy on any future occasion.

         Borrower waives demand for payment, presentment, notice of dishonor,
     and protest of this note, waives all defenses based on suretyship or
     impairment of collateral, and consents to any extension or postponement of
     time of its payment, to any substitution, exchange, or release of all or
     any part of any security given to secure this note, to the addition of any
     party, and to the release, discharge, waiver, modification, or suspension
     of any rights and remedies against any person who may be liable for the
     indebtedness evidenced by this note.

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12.  GENERAL. Each of the persons signing below as Borrower is primarily liable
     on this note and (a) receipt of value by any one of them constitutes
     receipt of value by both or all of them; (b) their liability on this note
     is joint and several; and (c) the term Borrower means each of them and all
     of them. In this note, MATURITY means the time when the entire remaining
     unpaid principal balance shall be or shall become due and payable for any
     reason, including acceleration as provided in paragraph 7.

13.  APPLICABLE LAW AND JURISDICTION. This note shall be governed by and
     interpreted according to the laws of the state of Michigan without giving
     effect to conflict-of-laws principles. Borrower irrevocably agrees and
     consents that any action against Borrower to collect or enforce this note
     may be brought in any state or federal court that has subject matter
     jurisdiction and is located in, or whose district includes Kalamazoo
     County, Michigan, and that any such court shall have personal jurisdiction
     over Borrower for purposes of such action.

     LENDER AND BORROWER IRREVOCABLY AND UNCONDITIONALLY WAIVE ITS RIGHT TO A
TRIAL BY JURY IN ANY ACTION, INCLUDING ANY CLAIM, COUNTERCLAIM, CROSS-CLAIM OR
THIRD-PARTY CLAIM ("CLAIM") THAT IS BASED UPON, ARISES OUT OF, OR RELATES TO
THIS NOTE OR THE INDEBTEDNESS EVIDENCED BY IT, INCLUDING, WITHOUT LIMITATION,
ANY CLAIM BASED UPON, ARISING OUT OF, OR RELATING TO ANY ACTION OR INACTION OF
LENDER IN CONNECTION WITH ANY ACCELERATION, ENFORCEMENT, OR COLLECTION OF THIS
NOTE OR SUCH INDEBTEDNESS.

BORROWER                                    LENDER
SOFTECH, INC.                               GREENLEAF CAPITAL, INC.

By: /s/ Joseph P. Mullaney                  By: /s/ William Johnston
   -----------------------                     ------------------------
        Joseph P. Mullaney                          William Johnston

Its: President                              Its: President
    ----------------------                      -----------------------
Date:                                       Date:
     ---------------------                       ----------------------

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                                                                    EXHIBIT 10.3

                                 PROMISSORY NOTE
                           (REVOLVING LINE OF CREDIT)

Borrower:   Softech, Inc.                    Lender:  Greenleaf Capital, Inc.
            Suite B130                                3505 Greenleaf Blvd.
            4695 44th Street                          Kalamazoo, MI  49008
            Grand Rapids, MI  49512

Date: September 15, 2000  Principal Amount: $3,000,000.00  Initial Rate: 11.650%
----                      ----------------                 ------------

Adjusted Rate: 10.0% as of May 31, 2001
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PROMISE TO PAY. Softech, Inc. ("Borrower") promises to pay to Greenleaf Capital,
Inc. ("Lender"), or order, in lawful money of the United States of America, the
principal amount of Three Million &00/100 Dollars ($3,000,000.00) or so much as
may be outstanding, together with interest on the unpaid outstanding principal
balance of each advance. Interest shall be calculated from the date of each
advance until repayment of each advance.

PAYMENT The principal of and interest on this note shall be paid in installments
        beginning on the 12th day of each succeeding month under which there is
        an outstanding principal amount due until June 12, 2004, at which time
        the remaining balance of principal and interest shall be paid in full.
        Each installment shall be in an amount equal to a sum that allows for
        the principal to be repaid over a 5 year amortization period plus
        interest accrued at the above rate on the average outstanding principal
        outstanding for the previous 30 day period. The annual interest rate for
        this Note is computed on a 365/360 basis; that is, by applying the ratio
        of the annual interest rate over a year of 360 days, multiplied by the
        outstanding principal balance, multiplied by the actual number of days
        the principal balance is outstanding. Borrower will pay Lender at
        Lender's address shown above or at such other place as Lender may
        designate in writing.

Notwithstanding the above, this Agreement terminates on June 1, 2002 at which
time all monies owed including interest through that date are due and payable
unless specifically extended through written agreement between the parties.

VARIABLE INTEREST RATE. The interest rate on this Note is subject to change from
time to time based on changes in the rate at which Lender borrows from the
Huntington National Bank (the "Huntington Rate"). The rate currently is 8.650%
per annum. The interest rate to be applied to the unpaid principal balance of
this Note will be at a rate of 3.000 percentage points over the Huntington Rate,
resulting in an initial rate of 11.650% per annum. NOTICE: Under no
circumstances will the interest rate on this Note be more than the maximum rate
allowed by applicable law.

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PREPAYMENT. Borrower may pay without penalty all or a portion of the amount owed
earlier than it is due. Early payments will not, unless agreed to by Lender in
writing, relieve Borrower of Borrower's obligation to continue to make payments
of accrued unpaid interest. However, early payments will reduce the principal
balance due.

LATE CHARGE. If a payment is 11 days or more late Borrower will be charged
5.000% of the regularly scheduled payment.
INTEREST AFTER DEFAULT. Upon default, including failure to pay upon final
maturity, Lender, at its option, may, if permitted under applicable law,
increase the variable interest rate on this Note to 4.000 percentage points over
the Huntington rate. The interest rate will not exceed the maximum rate
permitted by applicable law.

DEFAULT. Each of the following shall constitute an event of default under this
         Note:

         PAYMENT DEFAULT.  Borrower fails to make any payment when due under
         this Note.

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

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

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

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

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

ATTORNEYS' FEES; EXPENSES. Lender may hire or pay someone else to help collect
the loan if Borrower does not pay. Borrower also will pay Lender that amount.
This includes, subject to any limits under applicable law, Lender's reasonable
attorneys' fees and Lender's legal expenses whether or not there is a lawsuit,
including reasonable attorneys' fees and expenses for bankruptcy proceedings
(including efforts to modify or vacate any automatic stay or injunction), and
appeals. If not prohibited by applicable law, Borrower also will pay any court
costs, in addition to all other sums provided by law.

JURY WAIVER. Lender and Borrower hereby waive the right to any jury trial in any
action, proceeding, or counterclaim brought by either Lender or Borrower against
the other.

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

DISHONORED ITEM FEE. Borrower will pay a fee to Lender of $15.00 if Borrower
makes a payment on Borrower's loan and the check or preauthorized charge with
which Borrower pays is later dishonored.

LINE OF CREDIT. This Note evidences a straight line of credit. Once the total
amount of principal has been advanced, Borrower is not entitled to further loan
advances. Advances under this Note may be requested orally by Borrower or as
provided in this paragraph. All oral requests shall be confirmed in writing on
the day of the request. All communications, instructions, or directions by
telephone or otherwise to Lender are to be directed to Lender's office shown
above. The following person currently is authorized to request advances and
authorize payments under the line of credit until Lender receives from Borrower,
at Lender's address shown above, written notice of revocation of his or her
authority: Barry Bedford. Borrower agrees to be liable for all sums either: (A)
advanced in accordance with the instructions of an authorized person or (B)
credited to any of Borrower's accounts with Lender. The unpaid principal balance
owing on this Note at any time may be evidenced by endorsements on this Note or
by Lender's internal records, including daily computer print-outs. Lender will
have no obligation to advance funds under this Note if: (A) Borrower or any
guarantor is in default under the terms of this Note or any agreement that
Borrower or any guarantor has with Lender, including any agreement made in
connection with the signing to this Note; (B) Borrower or any guarantor ceases
doing business or is insolvent; (C) Borrower has applied funds provided pursuant
to this Note for purposes other than those authorized by Lender; or (D) Lender
in good faith believes itself insecure.

FINANCIAL STATEMENTS. Borrower agrees to furnish from time to time on the
request of the Lender true and complete financial statements and such other
information as the Lender may reasonably require.

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GENERAL PROVISIONS. Lender may delay or forgo enforcing any of its rights or
remedies under this Note without losing them. Borrower, to the extent allowed by
law, waives presentment, demand for payment, and notice of dishonor. Upon any
change in the terms of this Note, and unless otherwise expressly stated in
writing, no party who signs this Note, shall be released from liability. Lender
may renew or extend (repeatedly and for any length of time) this loan or release
any party and take any other action deemed necessary by Lender without the
consent of or notice to anyone. All such parties also agree that Lender may
modify this loan without the consent of or notice to anyone other than the party
with whom the modification is made.

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

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

BORROWER:

Softech, Inc.

By: /s/ Joseph P. Mullaney
    --------------------------
        Joseph P. Mullaney

Its: Vice President and CFO
    --------------------------

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