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                                                                   Exhibit 10.76
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SILICON VALLEY BANK

                           AMENDMENT TO LOAN DOCUMENTS

BORROWER:  VERSO TECHNOLOGIES, INC.
           NACT TELECOMMUNICATIONS, INC.
           TELEMATE.NET SOFTWARE, INC.

DATE:      APRIL 7, 2003

      THIS AMENDMENT TO LOAN DOCUMENTS is entered into between Silicon Valley
Bank ("Silicon") and the borrower named above ("Borrower").

      The Parties agree to amend the Loan and Security Agreement between them,
dated December 14, 2001 (as otherwise amended, if at all, the "Loan Agreement"),
as follows, effective as of the date hereof. (Capitalized terms used but not
defined in this Amendment shall have the meanings set forth in the Loan
Agreement.)

      1. MODIFIED EBITDA FINANCIAL COVENANT. The EBITDA Financial Covenant set
forth in Section 5 of the Schedule to Loan Agreement is hereby amended to read
as follows:

         EBITDA:                    Borrower shall maintain EBITDA (as
                                    defined below), including the
                                    Acquired Assets (except as
                                    otherwise provided below), as
                                    follows:

                                    MONTHLY (Based on the average of the three
                                    months immediately preceding the month being
                                    reported, including the month being
                                    reported. As an example, to determine
                                    Borrower's compliance with EBITDA for the
                                    month ending January 31, 2003, one must
                                    calculate the average EBITDA for the months
                                    of November 2002, December 2002 and January
                                    2003; for the month ending February 28,
                                    2003, the average EBITDA for the months of
                                    December 2002, January 2003 and February
                                    2003 must be calculated).

                                    For the month ending January 31, 2003,
                                    Borrower shall, on a consolidated basis,
                                    maintain EBITDA of not less than <$180,000>;



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            SILICON VALLEY BANK                      AMENDMENT TO LOAN AGREEMENT
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                                    For the month ending February 28, 2003,
                                    Borrower shall, on a consolidated basis,
                                    maintain EBITDA of not less than <$380,000>;

                                    For the month ending March 31, 2003,
                                    Borrower shall, on a consolidated basis,
                                    maintain EBITDA of not less than <$180,000>;

                                    For the month ending April 30, 2003,
                                    Borrower shall, on a consolidated basis,
                                    maintain EBITDA of not less than <$350,000>;

                                    For the month ending May 31, 2003, Borrower
                                    shall, on a consolidated basis, maintain
                                    EBITDA of not less than <$350,000>; and

                                    For the month ending June 30, 2003 and each
                                    month ending thereafter, Borrower shall, on
                                    a consolidated basis, maintain EBITDA of not
                                    less than $50,000; and

                                    QUARTERLY

                                    For the fiscal quarter ending December 31,
                                    2002, Borrower shall, on a consolidated
                                    basis (not including the Acquired Assets),
                                    maintain EBITDA of not less than $100,000;

                                    For the fiscal quarter ending March 31,
                                    2003, Borrower shall, on a consolidated
                                    basis, maintain EBITDA of not less than
                                    <$250,000>;

                                    For the fiscal quarter ending June 30, 2003,
                                    Borrower shall, on a consolidated basis,
                                    maintain EBITDA of not less than $1,000,000;

                                    For the fiscal quarter ending September 30,
                                    2003, Borrower shall, on a consolidated
                                    basis, maintain EBITDA of not less than
                                    $1,300,000;

                                    For the fiscal quarter ending December 31,
                                    2003, Borrower shall, on a consolidated

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            SILICON VALLEY BANK                      AMENDMENT TO LOAN AGREEMENT
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                                    basis, maintain EBITDA of not less than
                                    $1,800,000;

                                    For the fiscal quarter ending March 31,
                                    2004, Borrower shall, on a consolidated
                                    basis, maintain EBITDA of not less than
                                    $1,950,000; and

                                    For the fiscal quarter ending June 30, 2004,
                                    Borrower shall, on a consolidated basis,
                                    maintain EBITDA of not less than $2,100,000.

      2. REPRESENTATIONS TRUE. Borrower represents and warrants to Silicon that
all representations and warranties set forth in the Loan Agreement, as amended
hereby, are true and correct.

      3. GENERAL PROVISIONS. This Amendment, the Loan Agreement, any prior
written amendments to the Loan Agreement signed by Silicon and Borrower, and the
other written documents and agreements between Silicon and Borrower set forth in
full all of the representations and agreements of the parties with respect to
the subject matter hereof and supersede all prior discussions, representations,
agreements and understandings between the parties with respect to the subject
hereof. Except as herein expressly amended, all of the terms and provisions of
the Loan Agreement, and all other documents and agreements between Silicon and
Borrower shall continue in full force and effect and the same are hereby
ratified and confirmed.

  BORROWER:                               SILICON:

  VERSO TECHNOLOGIES, INC.                SILICON VALLEY BANK

  BY /s/ Juliet M. Reising                BY /s/ Larry Singer
     ------------------------------          ----------------------------
     VICE PRESIDENT                       TITLE SVP
                                                -------------------------

  BY /s/ David Ryan
     ------------------------------
      SECRETARY OR ASS'T SECRETARY



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            SILICON VALLEY BANK                      AMENDMENT TO LOAN AGREEMENT
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  BORROWER:                               BORROWER:

  NACT TELECOMMUNICATIONS, INC.           TELEMATE.NET SOFTWARE, INC.


  BY /s/ Juliet M. Reising                BY /s/ Juliet M. Reising
    -------------------------------         --------------------------------
            VICE PRESIDENT                           VICE PRESIDENT


  BY /s/ David Ryan                       BY /s/ David Ryan
    -------------------------------         --------------------------------
      SECRETARY OR ASS'T SECRETARY            SECRETARY OR ASS'T SECRETARY






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