Document:

<PAGE>   1
                                                                   EXHIBIT 10.27

THE SECURITIES REPRESENTED HEREBY HAVE NOT BEEN REGISTERED UNDER THE SECURITIES
ACT OF 1933, AS AMENDED, OR ANY STATE SECURITIES LAWS AND MAY NOT BE OFFERED,
SOLD, TRANSFERRED OR OTHERWISE DISPOSED OF UNLESS REGISTERED WITH THE UNITED
STATES SECURITIES AND EXCHANGE COMMISSION AND THE SECURITIES REGULATORY
AUTHORITIES OF APPLICABLE STATES OR UNLESS (1) AN EXEMPTION FROM SUCH
REGISTRATION IS AVAILABLE AND (2) THE ISSUER OF SUCH SECURITIES HAS RECEIVED AN
OPINION OF COUNSEL REASONABLY SATISFACTORY TO IT (BOTH AS TO THE OPINION AND
SUCH COUNSEL) STATING THAT SUCH REGISTRATION IS NOT REQUIRED UNDER THE
SECURITIES ACT OF 1933 AND, IF APPLICABLE, THE LAWS OF THE STATE OF GEORGIA.

CERTAIN RIGHTS, OBLIGATIONS AND RESTRICTIONS ARE IMPOSED ON THE SECURITIES BY AN
ASSET PURCHASE AGREEMENT BY AND AMONG NETZEE, INC., JOHN H. HARLAND COMPANY,
CONCENTREX INCORPORATED, MECA SOFTWARE, L.L.C. AND MONEYSCAPE HOLDINGS, INC.,
AND ANY AMENDMENTS THERETO, COPIES OF WHICH ARE AVAILABLE AT THE ISSUER'S
OFFICES. THE TRANSFER, ENCUMBRANCE OR OTHER DISPOSITION OF THE SECURITIES IN
CONTRAVENTION OF SUCH AGREEMENT IS NULL AND VOID. ANY TRANSFEREE OF THE
SECURITIES (BUT ONLY AS TO SUCH TRANSFERS THAT ARE PERMITTED BY SUCH AGREEMENT)
SHALL BE BOUND BY SUCH AGREEMENT.

                                 PROMISSORY NOTE

$5,000,000                    Atlanta, Georgia                September 29, 2000

         FOR VALUE RECEIVED Netzee, Inc., a Georgia corporation, as maker,
having its principal place of business at 6190 Powers Ferry Road, Suite 400,
Atlanta, Georgia 30339 ("Borrower"), hereby unconditionally promises to pay to
the order of John H. Harland Company, a Georgia corporation, as payee, having an
address at 2939 Miller Road, Decatur, Georgia 30035 ("Lender"), or at such other
place as the holder hereof may from time to time designate in writing, the
principal sum of Five Million Dollars ($5,000,000), in lawful money of the
United States of America with interest thereon to be computed from the date of
this Note at the Interest Rate (defined below) in accordance with the terms of
this Note.

                                   ARTICLE 1

                                  PAYMENT TERMS

         Borrower agrees to pay sums under this Note as follows:

                  (a)      interest shall be due and payable quarterly in
arrears on January 1, April 1, July 1 and October 1 based on the Interest Rate;
and

                  (b)      the principal sum and all interest thereon on
September 29, 2005 (the "Maturity Date"); provided, however, on or after
September 29, 2002 all principal and interest evidenced by this Note shall be
due and payable on thirty (30) days' demand of Lender.

<PAGE>   2

                                    ARTICLE 2

                                    INTEREST

         The interest rate on this Note ("Interest Rate") shall be a fluctuating
rate equal to two percent (2%) per annum above the Base Rate. Interest shall be
calculated on the basis of a 365-day year. The Base Rate shall be the rate of
interest announced or quoted by SunTrust Bank from time to time as its prime
rate and if the Base Rate is discontinued by such bank as a standard, a
comparable reference rate designated by such bank as a substitute therefor shall
be the Base Rate. After the date hereof, the foregoing rate of interest shall be
increased or decreased, as the case may be, by an amount equal to any increase
or decrease in the Base Rate, with such adjustments to be effective as of the
opening of business on the day that any such change in the Base Rate becomes
effective. The Base Rate in effect on the date hereof shall be the Base Rate
effective as of the opening of business on the date hereof.

                                   ARTICLE 3

                            DEFAULT AND ACCELERATION

         If any payment required in this Note is not paid (a) prior to the fifth
(5th) day after a payment date, (b) on the Maturity Date or (c) on the happening
of any other default, after the expiration of any applicable notice and grace
periods herein or under the terms of the Security Instrument (defined below) or
any of the Other Security Documents (as defined in the Security Instrument)
(collectively, an "Event of Default"), at the option of Lender (i) the whole of
the principal sum of this Note, (ii) interest, default interest and other sums,
as provided in this Note, the Security Instrument or the Other Security
Documents, (iii) all other monies agreed or provided to be paid by Borrower in
this Note, the Security Instrument or the Other Security Documents, (iv) all
sums advanced and costs and expenses incurred by Lender in connection with the
Debt (defined below) or any part thereof, any renewal, extension, or change of
or substitution for the Debt or any part thereof, or the acquisition or
perfection of the security therefor, whether made or incurred at the request of
Borrower or Lender (all the sums referred to in (i) through (iv) above shall
collectively be referred to as the "Debt") shall without notice become
immediately due and payable.

                                       2
<PAGE>   3

                                   ARTICLE 4

                                DEFAULT INTEREST

         Borrower agrees that upon the occurrence of an Event of Default, Lender
shall be entitled to receive and Borrower shall pay interest on the entire
unpaid principal sum at a per annum rate equal to the lesser of (a) two percent
(2%) plus the Interest Rate and (b) the maximum interest rate which Borrower may
by law pay (the "Default Rate"). The Default Rate shall be computed from the
occurrence of the Event of Default until the earlier of the date upon which the
Event of Default is cured or the date upon which the Debt is paid in full.
Interest calculated at the Default Rate shall be added to the Debt, and shall be
deemed secured by the Security Instrument. This clause, however, shall not be
construed as an agreement or privilege to extend the date of the payment of the
Debt, nor as a waiver of any other right or remedy accruing to Lender by reason
of the occurrence of any Event of Default.

                                   ARTICLE 5

                                   PREPAYMENT

                  (a)      The principal balance of this Note may be prepaid in
whole or in part at any time prior to the Maturity Date, upon not less than
three (3) days' prior written notice to Lender specifying the date on which
prepayment is to be made (the "Prepayment Date") and upon payment of:

                           (i)      all accrued interest to and including the
Prepayment Date; and

                           (ii)     all other sums then due under this Note.

                  (b)      If any notice of prepayment is given under this
Article 5, the principal balance of this Note and the other sums required under
this prepayment section shall be due and payable on the Prepayment Date. Lender
shall not be obligated to accept any prepayment of the principal balance of this
Note unless it is accompanied by all sums due in connection therewith.

                                    ARTICLE 6

                                    SECURITY

         This Note is secured by all personal property of the Borrower, whether
tangible or intangible now or hereafter acquired, pursuant to the security
instrument ("Security Instrument") now or hereafter delivered in connection
herewith and the related security documents ("Other Security Documents").

                                       3
<PAGE>   4

                                    ARTICLE 7

                                  LOAN CHARGES

         This Note, the Security Instrument and the Other Security Documents are
subject to the express condition that at no time shall Borrower be obligated or
required to pay interest on the principal balance due hereunder at a rate which
could subject Lender to either civil or criminal liability as a result of being
in excess of the maximum interest rate which Borrower is permitted by applicable
law to contract or agree to pay. If by the terms of this Note, the Security
Instrument and the Other Security Documents, Borrower is at any time required or
obligated to pay interest on the principal balance due hereunder at a rate in
excess of such maximum rate, the Interest Rate or the Default Rate, as the case
may be, shall be deemed to be immediately reduced to such maximum rate and all
previous payments in excess of the maximum rate shall be deemed to have been
payments in reduction of principal and not on account of the interest due
hereunder. All sums paid or agreed to be paid to Lender for the use,
forbearance, or detention of the Debt, shall, to the extent permitted by
applicable law, be amortized, prorated, allocated, and spread throughout the
full stated term of the Note until payment in full so that the rate or amount of
interest on account of the Debt does not exceed the maximum lawful rate of
interest from time to time in effect and applicable to the Debt for so long as
the Debt is outstanding.

                                    ARTICLE 8

                                     WAIVERS

         Borrower and all others who may become liable for the payment of all or
any part of the Debt do hereby severally waive presentment and demand for
payment, notice of dishonor, protest and notice of protest and non-payment and
all other notices of any kind, except for notices expressly provided for in this
Note, the Security Instrument or the Other Security Documents. No release of any
security for the Debt or extension of time for payment of this Note or any
installment hereof, and no alteration, amendment or waiver of any provision of
this Note, the Security Instrument or the Other Security Documents made by
agreement between Lender or any other person or party shall release, modify,
amend, waive, extend, change, discharge, terminate or affect the liability of
Borrower, and any other person or entity who may become liable for the payment
of all or any part of the Debt, under this Note, the Security Instrument or the
Other Security Documents. No notice to or demand on Borrower shall be deemed to
be a waiver of the obligation of Borrower or of the right of Lender to take
further action without further notice or demand as provided for in this Note,
the Security Instrument or the Other Security Documents. If Borrower is a
partnership, corporation or limited liability company, the agreements contained
herein shall remain in full force and effect, notwithstanding any changes in the
individuals or entities comprising the Borrower, and the term "Borrower," as
used herein, shall include any alternate or successor entity, but any
predecessor entity, and its partners or members, as the case may be, shall not
thereby be released from any liability. (Nothing in the foregoing sentence shall
be construed as a consent to, or a waiver of, any prohibition or restriction on
transfers of interests in Borrower which may be set forth in the Security
Instrument or any Other Security Document.)

                                       4
<PAGE>   5

                                    ARTICLE 9

                             WAIVER OF TRIAL BY JURY

         BORROWER HEREBY WAIVES, TO THE FULLEST EXTENT PERMITTED BY LAW, THE
RIGHT TO TRIAL BY JURY IN ANY ACTION, PROCEEDING OR COUNTERCLAIM, WHETHER IN
CONTRACT, TORT OR OTHERWISE, RELATING DIRECTLY OR INDIRECTLY TO THE LOAN
EVIDENCED BY THIS NOTE, THE APPLICATION FOR THE LOAN EVIDENCED BY THIS NOTE,
THIS NOTE, THE SECURITY INSTRUMENT OR THE OTHER SECURITY DOCUMENTS OR ANY ACTS
OR OMISSIONS OF LENDER, ITS OFFICERS, EMPLOYEES, DIRECTORS OR AGENTS IN
CONNECTION THEREWITH.

                                   ARTICLE 10

                                    AUTHORITY

         Borrower (and the undersigned representative of Borrower, if any)
represents that Borrower has full corporate power, authority and legal right to
execute and deliver this Note, the Security Instrument and the Other Security
Documents and that this Note, the Security Instrument and the Other Security
Documents constitute valid and binding obligations of Borrower.

                                   ARTICLE 11

                                  GOVERNING LAW

         This Note shall be governed, construed, applied and enforced in
accordance with the laws of the State of Georgia.

                                   ARTICLE 12

                                     NOTICES

         All notices required or permitted hereunder shall be given as provided
in the Security Instrument.

                                       5
<PAGE>   6

                                   ARTICLE 13

                           INCORPORATION BY REFERENCE

         All of the terms, covenants and conditions contained in the Security
Instrument and the Other Security Documents are hereby made part of this Note to
the same extent and with the same force as if they were fully set forth herein.

                                   ARTICLE 14

                                  MISCELLANEOUS

         (a)      Wherever pursuant to this Note it is provided that Borrower
pay any costs and expenses, such costs and expenses shall include, but not be
limited to, reasonable legal fees actually incurred and disbursements of Lender,
whether with respect to retained firms, the reimbursement for the expenses of
in-house staff, or otherwise. Borrower shall pay to Lender on demand any and all
expenses, including legal expenses and reasonable attorneys' fees, actually
incurred or paid by Lender in enforcing this Note, whether or not any legal
proceeding is commenced hereunder, together with interest thereon at the Default
Rate from the date paid or incurred by Lender until such expenses are paid by
Borrower.

         (b)      This Note may not be modified, amended, waived, extended,
changed, discharged or terminated orally or by any act or failure to act on the
part of Borrower or Lender, but only by an agreement in writing signed by the
party against whom enforcement of any modification, amendment, waiver,
extension, change, discharge or termination is sought.

         (c)      If Borrower consists of more than one person or party, the
obligations and liabilities of each person or party shall be joint and several.

         (d)      Whenever used, the singular number shall include the plural,
the plural number shall include the singular, and the words "Lender" and
"Borrower" shall include their respective successors, assigns, heirs, executors
and administrators.

                         [NO FURTHER TEXT ON THIS PAGE]

                                       6
<PAGE>   7

     IN WITNESS WHEREOF, Borrower has duly executed this Note under seal as of
the day and year first above written.

                                 NETZEE, INC.

                                 By /s/ Richard S. Eiswirth
                                   --------------------------------------------
                                 Name:  Richard S. Eiswirth
                                 Title:  Senior Executive Vice President and
                                         Chief Financial Officer

[Corporate Seal]

                                       7<PAGE>   1

                                                                    Exhibit 4.23

                                                                  EXECUTION COPY

                      NINTH AMENDMENT TO CREDIT AGREEMENT

         THIS NINTH AMENDMENT TO CREDIT AGREEMENT (this "Ninth Amendment") is
made and entered into as of October 31, 2000 among DANKA BUSINESS SYSTEMS PLC,
a limited liability company incorporated in England and Wales (Registered
Number 1101386) ("Danka PLC"), DANKALUX SARL & CO. SCA, a Luxembourg company
("Dankalux"), and DANKA HOLDING COMPANY, a Delaware corporation ("Danka
Holding") (Danka PLC, Dankalux and Danka Holding are herein each a "Company"
and collectively the "Companies"), AMERICAN BUSINESS CREDIT CORPORATION,
AMERITREND CORPORATION, CORPORATE CONSULTING GROUP, INC., D.I. INVESTMENT
MANAGEMENT, INC., DANKA IMAGING DISTRIBUTION, INC., DANKA MANAGEMENT COMPANY,
INC., DANKA OFFICE IMAGING COMPANY, DYNAMIC BUSINESS SYSTEMS, INC., HERMAN
ENTERPRISES, INC. OF SOUTH FLORIDA, QUALITY BUSINESS, INC. (collectively with
Danka Holding, the "Grantors"), the entities listed on the signature pages
hereof as International Swing Line Borrowers (collectively the "International
Borrowers" and together with the Grantors and the Companies, the "Danka
Parties"), BANK OF AMERICA, NATIONAL ASSOCIATION (formerly known as
NationsBank, National Association, a national banking association formerly
known as NationsBank, National Association (Carolinas)), each other Bank listed
on the signature pages hereof (each individually, a "Bank" and collectively,
the "Banks"), and BANK OF AMERICA, NATIONAL ASSOCIATION (formerly known as
NationsBank, National Association), in its capacity as agent for the Banks (in
such capacity, the "Agent"):

                              W I T N E S S E T H:

         WHEREAS, the Companies, the Banks and the Agent have entered into a
Credit Agreement dated as of December 5, 1996, as amended and supplemented by a
First Amendment dated as of December 5, 1997, a Second Amendment dated as of
July 28, 1998, a Third Amendment dated as of December 31, 1998, a Fourth
Amendment dated as of March 29, 1999, a Fifth Amendment dated as of June 15,
1999, a Sixth Amendment dated as of July 9, 1999 (the "Sixth Amendment"), a
Seventh Amendment dated as of December 1, 1999, an Eighth Amendment dated as of
March 24, 2000, a Waiver Letter Agreement dated as of October 20, 1998 and a
Waiver Letter Agreement dated as of February 18, 1999 (as further amended
hereby and as from time to time further amended, supplemented or modified, the
"Credit Agreement"), pursuant to which the Banks agreed to make certain
revolving credit, term loan and letter of credit facilities available to the
Companies; and

         WHEREAS, Article VIII of the Credit Agreement contains financial
covenants, compliance with which cannot be waived or amended without the
written consent of the Majority Banks; and

         WHEREAS, the Danka Parties have requested that the Banks provide
written consent to the amendment of the financial covenants as provided herein;
and

<PAGE>   2

         WHEREAS, the Banks and the Danka Parties have agreed to amend certain
provisions of the Credit Agreement and to certain other agreements of the
parties, all as hereinafter set forth.

         NOW, THEREFORE, in consideration of the mutual covenants set forth
herein and other good and sufficient consideration, receipt of which is hereby
acknowledged, the Danka Parties and the Banks do hereby agree as follows:

         1.       Definitions. Any capitalized terms used herein without
definition shall have the meaning set forth in the Credit Agreement.

         2.       Amendment of Credit Agreement. Subject to the terms and
conditions set forth herein, Section 8.3 of the Credit Agreement is amended to
add new clause (vi) as follows:

                  "(vi) Notwithstanding anything to the contrary contained in
                  this Section 8.3, compliance with the financial covenants in
                  clauses (i) through (v) of this Section 8.3 shall be deemed
                  satisfied for the period beginning on or after September 30,
                  2000 and through and including December 30, 2000, and any
                  Event of Default that may have existed on or after September
                  30, 2000 as a result of any failure by the Danka Parties to
                  comply with any of such financial covenants during such
                  period shall be waived, if the Danka Parties do not permit:

                  (a)      The Consolidated Fixed Charge Coverage Ratio as
                  at the end of the four fiscal quarter period ending on
                  September 30, 2000 to be less than 1.20 to 1.00;

                  (b)      At any time on and after September 30, 2000 and
                  on or prior to December 30, 2000 the Adjusted Consolidated
                  Net Worth of Danka PLC and its Subsidiaries to be less than
                  $335,000,000;

                  (c)      The Consolidated Total Leverage Ratio as at the
                  end of September 30, 2000 for the four fiscal quarter period
                  then ending to exceed 3.90 to 1.00;

                  (d)      The cumulative Consolidated EBITDA of Danka PLC
                  and its Subsidiaries for the four fiscal quarter period
                  ending on September 30, 2000 to be less than $212,000,000;
                  and

                  (e)      The ratio of (A) Consolidated EBITDA to (B)
                  gross interest expense in each case of Danka PLC and its
                  Subsidiaries as at the end of the four fiscal quarter period
                  ending on September 30, 2000 to be less than 2.00 to 1.00.

                                      -2-
<PAGE>   3

For purposes of subsections (a), (c), (d) and (e) in this Section 8.3(vi), the
calculation of the Consolidated EBITDA for the four fiscal quarter period
ending September 30, 2000 shall add to income from continuing operations the
actual restructuring charges for such period in an amount not to exceed
$32,940,000. In addition, for purposes of subsections (a), (b) and (e) in this
Section 8.3(vi), the impact of the $10,000,000 waiver extension fee under the
Sixth Amendment on the interest expense for such period shall be excluded."

         3.       New Borrowing. Notwithstanding anything to the contrary in
the Credit Agreement, during the period from and after September 30, 2000, the
Companies shall not request, and the Companies shall not be entitled to
receive, any new Borrowing unless the Chief Executive Officer or Chief
Financial Officer of Danka PLC shall have, on or before the date of any such
request, delivered a certificate to the Banks (in care of the Agent) setting
forth in reasonable detail the then current cash balances and cash flow
projections of the Companies and certifying that the Companies require the
proceeds from such request in order for the Companies to be able to pay all of
their costs and expenses incurred in the ordinary course of business and to
operate their businesses in the ordinary course of business in the immediate
two weeks following any such request. At the request of the Banks (acting
through the Agent) the Companies shall provide to the Banks such additional
facts and evidence supporting the conclusions contained in such certificate as
may be reasonably requested by the Agent.

         4.       Dividends, Distributions, Investments. During the period from
and including September 30, 2000 and to and including December 30, 2000 (i)
Danka PLC shall not pay any dividends or make any distributions, (ii) neither
the Companies nor any of their Subsidiaries shall make any Acquisitions, and
(iii) neither the Companies nor any of their Subsidiaries shall make any
Investments; provided, however, that the Banks hereby consent to consummation
of the following transactions (as further described in Schedule I hereto):

                  (a)      Payment by Dankalux to Danka Holding Spa of
                  approximately $4,000,000 to comply with minimum-capital
                  requirements of local law; provided that not more than three
                  days after such payment Danka Holding Spa shall repay
                  intercompany indebtedness of Danka Holding Spa to Dankalux in
                  an amount not less than the amount of such payment.

                  (b)      Payment by Dankalux to Danka Business Finance Ltd.
                  (Canada) of approximately $22,000,000 to comply with maximum
                  debt to equity ratio requirements of local law; provided that
                  not more than one business day after such payment Danka
                  Business Finance Ltd. (Canada) shall repay outstanding
                  intercompany payables of Danka Business Finance Ltd. (Canada)
                  to Danka International Distribution, Inc. in an amount not
                  less than the amount of such payment.

                                      -3-
<PAGE>   4

The Danka Parties represent and warrant that the payments and transfers
described in this paragraph 4 comply with all applicable laws, rules and
regulations of every Governmental Authority, foreign and domestic.

         5.       Amendment Fees; Expenses. Promptly upon the execution of this
Ninth Amendment by the Majority Banks, the Danka Parties shall pay to the Agent
for the benefit of each of the Banks which shall have executed this Ninth
Amendment an amendment fee equal to 1/4% of such Banks' Commitment (the
"Amendment Fee"). The Danka Parties agree promptly to pay or reimburse
reasonable expenses of the Steering Committee and its members (including the
reasonable fees and expenses of outside counsel for the Steering Committee and
each of its members) incurred in connection with the Credit Agreement and the
other Loan Documents. The Companies acknowledge and agree that the Agent has
caused its counsel to retain PricewaterhouseCoopers LLP as independent business
consultant (the "Consultant") to assess on behalf of the Agent, its counsel and
the Banks the operations, finances, and business affairs of Danka PLC and its
Subsidiaries and to furnish reports of its findings and recommendations solely
to the Agent, its counsel and the Banks. The Companies jointly and severally
agree to pay all reasonable fees, costs, and expenses of the Consultant
incurred in connection with the performance by the Consultant of its duties
described in this paragraph. The Companies shall, and shall cause all
Subsidiaries to, cooperate fully and in a timely manner with the Consultant,
including its agents and employees.

         6.       Effectiveness. This Ninth Amendment shall become effective as
of September 30, 2000 upon (a) receipt by the Agent of an executed copy of this
Ninth Amendment (which may be signed in counterparts and may be received by
facsimile transmission) signed by the Danka Parties and the Majority Banks, (b)
payment by the Danka Parties to the Agent of the Amendment Fee, and (c) receipt
by the Agent of a copy of a waiver (in form and substance satisfactory to the
Agent) of violations of the financial covenants incorporated in the tax
retention operating lease documents.

         7.       Acknowledgment; Release.

                  (a)      The Companies and the Grantors acknowledge that they
                  have no existing defense, counterclaim, offset,
                  cross-complaint, claim or demand of any kind or nature
                  whatsoever that can be asserted to reduce or eliminate all or
                  any part of any of their respective liability to pay the full
                  indebtedness outstanding under the terms of the Credit
                  Agreement and any other documents which evidence, guaranty or
                  secure the Obligations. The Companies and the Grantors hereby
                  release and forever discharge the Agent, the International
                  Swing Line Banks, the Banks and all of their officers,
                  directors, employees, attorneys, consultants and agents from
                  any and all actions, causes of action, debts, dues, claims,
                  demands, liabilities and obligations of every kind and
                  nature, both in law and in equity, known or unknown, whether
                  matured or unmatured, absolute or contingent.

                                      -4-
<PAGE>   5

                  (b)      The International Swing Line Borrowers acknowledge
                  that they have no existing defense, counterclaim, offset,
                  cross-complaint, claim or demand or any kind or nature
                  whatsoever that can be asserted to reduce or eliminate all or
                  any part of their respective liability to pay the full
                  indebtedness owed by any of them under the terms of the
                  International Swing Line Agreement or any separate facility
                  which has been made available to any of them by any
                  International Swing Line Bank or a Designated Local Lender
                  (as defined in the International Swing Line Agreement) and
                  any agreements related thereto. The International Swing Line
                  Borrowers hereby release and forever discharge the Agent, the
                  International Swing Line Banks and the Designated Local
                  Lenders (as defined in the International Swing Line
                  Agreement) and all of their officers, directors, employees,
                  attorneys, consultants and agents from any and all actions,
                  causes of action, debts, dues, claims, demands, liabilities
                  and obligations of every kind and nature, both in law and in
                  equity, known or unknown, whether matured or unmatured,
                  absolute or contingent.

                  (c)      The Danka Parties further acknowledge and agree that
                  any breach by the Danka Parties in the timely performance,
                  observance, or fulfillment of any of the terms or conditions
                  stated herein shall, unless the Majority Banks shall
                  otherwise agree in writing, constitutes an Event of Default
                  under the Credit Agreement.

         8.       Entire Agreement. This Ninth Amendment sets forth the entire
understanding and agreement of the parties hereto in relation to the subject
matter hereof and supersedes any prior negotiations and agreements among the
parties relative to such subject matter.

         9.       Deemed Amendment of Other Loan Documents; Full Force and
Effect. To the extent necessary to give effect to the provisions hereof, the
International Swing Line Agreement and Security Agreement shall be deemed
amended and supplemented by the terms hereof. Except as hereby specifically
amended, modified or supplemented, the Credit Agreement and all other Loan
Documents are hereby confirmed and ratified in all respects and shall remain in
full force and effect according to their respective terms.

         10.      Counterparts. This Ninth Amendment may be executed in any
number of counterparts (including, without limitation, counterparts sent by
facsimile transmission), each of which shall be deemed an original as against
any party whose signature appears thereon and all of which shall together
constitute one and the same instrument.

         11.      Governing Law. This Ninth Amendment shall in all respects be
governed by the laws and judicial decisions of the State of Florida.

                                      -5-
<PAGE>   6

         12.      Enforceability. Should any one or more of the provisions of
this Ninth Amendment be determined to be illegal or unenforceable as to one of
the parties hereto, all other provisions nevertheless shall remain effective
and binding on the parties hereto.

         13.      Authorization. This Ninth Amendment has been duly authorized,
executed and delivered by the parties hereto and constitutes a legal, valid and
binding obligations of the parties hereto, except as may be limited by general
principles of equity or by the effect of any applicable bankruptcy, insolvency,
reorganization, moratorium or similar law affecting creditors' rights
generally.

         IN WITNESS WHEREOF, the parties hereto have caused this Agreement to
be duly executed and delivered by their proper and duly authorized officers as
of the day and year first above written.

WITNESS:                                    DANKA BUSINESS SYSTEMS PLC

                                            By:
                                                  -----------------------------
                                            Name:
                                                  -----------------------------
                                            Title:
                                                  -----------------------------

                                      -6-
<PAGE>   7

                                            DANKA HOLDING COMPANY

                                            By:
                                                  -----------------------------
                                            Name:
                                                  -----------------------------
                                            Title:
                                                  -----------------------------

                                            DANKALUX SARL & CO. SCA
                                            BY: DANKALUX SARL, COMMANDITE

                                            By:
                                                  -----------------------------
                                            Name:
                                                  -----------------------------
                                            Title:
                                                  -----------------------------

                                            AMERICAN BUSINESS CREDIT CORPORATION
                                            AMERITREND CORPORATION
                                            CORPORATE CONSULTING GROUP, INC.
                                            D.J. INVESTMENT MANAGEMENT, INC.
                                            DANKA IMAGING DISTRIBUTION, INC.
                                            DANKA MANAGEMENT COMPANY, INC.
                                            DANKA OFFICE IMAGING COMPANY
                                            DYNAMIC BUSINESS SYSTEMS, INC.
                                            HERMAN ENTERPRISES, INC. OF
                                            SOUTH FLORIDA

                                            By:
                                                  -----------------------------
                                            Name:
                                                  -----------------------------
                                            Title:
                                                  -----------------------------

                                            QUALITY BUSINESS, INC.

                                            By:
                                                  -----------------------------
                                            Name:
                                                  -----------------------------
                                            Title:
                                                  -----------------------------

                                      -7-
<PAGE>   8

                                       INTERNATIONAL SWINGLINE BORROWERS
                                       ---------------------------------

                                       DANKA CHILE COMERCIAL LTDA
                                       DANKA DO BRASIL LIMITADA
                                       DANKA MEXICANA S DE RL DE CV
                                       DANKA DE PANAMA S.A.
                                       DANKA DE COLOMBIA
                                       PUERTO RICO DANKA INC.
                                       DANKA DE VENEZUELA S.A.
                                       DANKA AUSTRALIA PTY LIMITED &
                                         DANKA NEW ZEALAND LIMITED
                                       DANKA OFFICE IMAGING (JAPAN)
                                       DANKA PHILIPPINES INC.
                                       DANKA FRANCE S.A.R.L.
                                       DANKA FRANCE SA
                                       DANKA OFFICE PRODUCTS B.V.
                                       DANKA OFFICE IMAGING GMBH,
                                         DANKA DEUTSCHLAND GMBH,
                                         DANKA DISTRIBUTION GMBH,
                                         DANKA DEUTSCHLAND HOLDING GMBH
                                       DANKA OFFICE PRODUCTS B.V.
                                       DANKA ITALIA S.P.A., BASSILLICHI INFOTEC
                                         S.P.A., DANKA S.P.A. & DANKA OFFICE
                                         IMAGING S.P.A.
                                       DANKA HOLDINGS BV, DANKA EUROPE BV,
                                         DANKA DISTRIBUTION BV (FKA INFOTEC
                                         EUROPE BV), INFOTEC NEDERLAND BV,
                                         DANKA GROUP BV, DANKA SERVICES
                                         INTERNATIONAL BV, DANKA OFFICE
                                         PRODUCTS BV, INFOTEC PARTICIPATIE
                                         BV, AND DANKA NEDERLAND BV
                                       DANKA OFFICE PRODUCTS BV
                                       DANKA BUSINESS SYSTEMS PLC,
                                         DANKALUX SARL & CO. SCA &
                                         DANKA HOLDING COMPANY

                                       By:
                                          -------------------------------------
                                       Name:  F. Mark Wolfinger
                                       Title: Director

                                      -8-
<PAGE>   9

                                            BANK OF AMERICA, NATIONAL
                                            ASSOCIATION. (formerly known as
                                            NationsBank, N.A.), as Agent and
                                            Issuing Bank

                                            By:
                                                  -----------------------------
                                            Name:
                                                  -----------------------------
                                            Title:
                                                  -----------------------------

                                            BANK OF AMERICA, NATIONAL
                                            ASSOCIATION (formerly known as
                                            NationsBank, N.A.), as a Bank
                                            (Trade)

                                            By:
                                                  -----------------------------
                                            Name:
                                                  -----------------------------
                                            Title:
                                                  -----------------------------

                                            BANK OF AMERICA, NATIONAL
                                            ASSOCIATION (formerly known as
                                            NationsBank, N.A.), as a Bank

                                            By:
                                                  -----------------------------
                                            Name:
                                                  -----------------------------
                                            Title:
                                                  -----------------------------

                                            BANK OF AMERICA, NATIONAL
                                            ASSOCIATION (formerly know as Bank
                                            of America National Trust and
                                            Savings Association), as
                                            International Swing Line Bank

                                            By:
                                                  -----------------------------
                                            Name:
                                                  -----------------------------
                                            Title:
                                                  -----------------------------

                                      -9-
<PAGE>   10

                                            BANK OF AMERICA, NATIONAL
                                            ASSOCIATION (formerly know as Bank
                                            of America National Trust and
                                            Savings Association), as a Bank

                                            By:
                                                  -----------------------------
                                            Name:
                                                  -----------------------------
                                            Title:
                                                  -----------------------------

                                            THE BANK OF NOVA SCOTIA

                                            By:
                                                  -----------------------------
                                            Name:
                                                  -----------------------------
                                            Title:
                                                  -----------------------------

                                            By:
                                                  -----------------------------
                                            Name:
                                                  -----------------------------
                                            Title:
                                                  -----------------------------

                                            THE BANK OF NEW YORK

                                            By:
                                                  -----------------------------
                                            Name:
                                                  -----------------------------
                                            Title:
                                                  -----------------------------

                                            CREDIT LYONNAIS NEW YORK BRANCH

                                            By:
                                                  -----------------------------
                                            Name:
                                                  -----------------------------
                                            Title:
                                                  -----------------------------

                                            CIBC INC.

                                            By:
                                                  -----------------------------
                                            Name:
                                                  -----------------------------
                                            Title:
                                                  -----------------------------

                                     -10-
<PAGE>   11

                                            PNC BANK, KENTUCKY, INC.

                                            By:
                                                  -----------------------------
                                            Name:
                                                  -----------------------------
                                            Title:
                                                  -----------------------------

                                            FIRST UNION NATIONAL BANK

                                            By:
                                                  -----------------------------
                                            Name:
                                                  -----------------------------
                                            Title:
                                                  -----------------------------

                                            SUNTRUST BANK

                                            By:
                                                  -----------------------------
                                            Name:
                                                  -----------------------------
                                            Title:
                                                  -----------------------------

                                            THE FUJI BANK AND TRUST COMPANY

                                            By:
                                                  -----------------------------
                                            Name:
                                                  -----------------------------
                                            Title:
                                                  -----------------------------

                                            ABN AMRO BANK N.V.

                                            By:
                                                  -----------------------------
                                            Name:
                                                  -----------------------------
                                            Title:
                                                  -----------------------------

                                            By:
                                                  -----------------------------
                                            Name:
                                                  -----------------------------
                                            Title:
                                                  -----------------------------

                                     -11-
<PAGE>   12

                                            PARIBAS

                                            By:
                                                  -----------------------------
                                            Name:
                                                  -----------------------------
                                            Title:
                                                  -----------------------------

                                            By:
                                                  -----------------------------
                                            Name:
                                                  -----------------------------
                                            Title:
                                                  -----------------------------

                                            DEUTSCHE BANK AG New York Branch
                                            and/or Cayman Island Branch

                                            By:
                                                  -----------------------------
                                            Name:
                                                  -----------------------------
                                            Title:
                                                  -----------------------------

                                            By:
                                                  -----------------------------
                                            Name:
                                                  -----------------------------
                                            Title:
                                                  -----------------------------

                                            HIBERNIA NATIONAL BANK

                                            By:
                                                  -----------------------------
                                            Name:
                                                  -----------------------------
                                            Title:
                                                  -----------------------------

                                            SAN PAOLO IMI SPA

                                            By:
                                                  -----------------------------
                                            Name:
                                                  -----------------------------
                                            Title:
                                                  -----------------------------

                                            By:
                                                  -----------------------------
                                            Name:
                                                  -----------------------------
                                            Title:
                                                  -----------------------------

                                     -12-
<PAGE>   13

                                            LLOYDS BANK PLC

                                            By:
                                                  -----------------------------
                                            Name:
                                                  -----------------------------
                                            Title:
                                                  -----------------------------

                                            By:
                                                  -----------------------------
                                            Name:
                                                  -----------------------------
                                            Title:
                                                  -----------------------------

                                            THE SUMITOMO BANK, LIMITED

                                            By:
                                                  -----------------------------
                                            Name:
                                                  -----------------------------
                                            Title:
                                                  -----------------------------

                                            BANCA COMMERCIALE ITALIANA
                                            New York Branch

                                            By:
                                                  -----------------------------
                                            Name:
                                                  -----------------------------
                                            Title:
                                                  -----------------------------

                                            By:
                                                  -----------------------------
                                            Name:
                                                  -----------------------------
                                            Title:
                                                  -----------------------------

                                            AMSOUTH BANK OF FLORIDA

                                            By:
                                                  -----------------------------
                                            Name:
                                                  -----------------------------
                                            Title:
                                                  -----------------------------

                                     -13-
<PAGE>   14

                                            THE BANK OF TOKYO-MITSUBISHI, LTD.,
                                            NEW YORK BRANCH

                                            By:
                                                  -----------------------------
                                            Name:
                                                  -----------------------------
                                            Title:
                                                  -----------------------------

                                            BANKERS TRUST COMPANY

                                            By:
                                                  -----------------------------
                                            Name:
                                                  -----------------------------
                                            Title:
                                                  -----------------------------

                                            THE DAI-ICHI KANGYO BANK, LIMITED

                                            By:
                                                  -----------------------------
                                            Name:
                                                  -----------------------------
                                            Title:
                                                  -----------------------------

                                            NATIONAL AUSTRALIA BANK LIMITED
                                            ACN 004044937

                                            By:
                                                  -----------------------------
                                            Name:
                                                  -----------------------------
                                            Title:
                                                  -----------------------------

                                            SANWA BANK LIMITED

                                            By:
                                                  -----------------------------
                                            Name:
                                                  -----------------------------
                                            Title:
                                                  -----------------------------

                                     -14-
<PAGE>   15

                                            THE TOKAI BANK LIMITED,
                                            NEW YORK BRANCH

                                            By:
                                                  -----------------------------
                                            Name:
                                                  -----------------------------
                                            Title:
                                                  -----------------------------

                                            WACHOVIA BANK OF GEORGIA, N.A.

                                            By:
                                                  -----------------------------
                                            Name:
                                                  -----------------------------
                                            Title:
                                                  -----------------------------

                                            NATIONAL WESTMINSTER BANK PLC

                                            By:
                                                  -----------------------------
                                            Name:
                                                  -----------------------------
                                            Title:
                                                  -----------------------------

                                            BANCA NAZIONALE DEL LAVORO S.p.A. -
                                            LONDON BRANCH

                                            By:
                                                  -----------------------------
                                            Name:
                                                  -----------------------------
                                            Title:
                                                  -----------------------------

                                            CREDIT AGRICOLE INDOSUEZ

                                            By:
                                                  -----------------------------
                                            Name:
                                                  -----------------------------
                                            Title:
                                                  -----------------------------

                                            By:
                                                  -----------------------------
                                            Name:
                                                  -----------------------------
                                            Title:
                                                  -----------------------------

                                     -15-
<PAGE>   16

                                            STATE STREET BANK AND TRUST COMPANY

                                            By:
                                                  -----------------------------
                                            Name:
                                                  -----------------------------
                                            Title:
                                                  -----------------------------

                                            THE CHASE MANHATTAN BANK

                                            By:
                                                  -----------------------------
                                            Name:
                                                  -----------------------------
                                            Title:
                                                  -----------------------------

                                            LAZARD BROTHERS & CO., LIMITED

                                            By:
                                                  -----------------------------
                                            Name:
                                                  -----------------------------
                                            Title:
                                                  -----------------------------

                                            SOUTHTRUST BANK, N.A.

                                            By:
                                                  -----------------------------
                                            Name:
                                                  -----------------------------
                                            Title:
                                                  -----------------------------

                                     -16-
<PAGE>   17

                                            BT HOLDINGS (NEW YORK) INC.

                                            By:
                                                  -----------------------------
                                            Name:
                                                  -----------------------------
                                            Title:
                                                  -----------------------------

                                     -17-

Source: [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00017-of-00352.parquet"}, [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00017-of-00352.parquet"}]]