Document:

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                                                                     EXHIBIT 4.5

                  FIRST AMENDMENT TO THIRD AMENDED AND RESTATED
                                RIGHTS AGREEMENT

         This First Amendment to Third Amended and Restated Rights Agreement
dated as of May 29, 2002 (the "Amendment"), is between INTERVOICE-BRITE, INC., a
Texas corporation (the "Company"), and COMPUTERSHARE INVESTOR SERVICES, LLC, a
Delaware limited liability company, as rights agent (the "Rights Agent").

                                  WITNESSETH:

         WHEREAS, the Company and the Rights Agent are parties to that certain
Third Amended and Restated Rights Agreement dated as of May 1, 2001 (as amended,
the "Agreement").

         WHEREAS, pursuant to Section 27 of the Agreement, the Company and the
Rights Agent desire to amend the Agreement in the manner set forth below.

         NOW, THEREFORE, in consideration of the premises and the mutual
agreements herein set forth, the parties hereby agree as follows:

         Section 1. Defined Terms. Except as amended hereby, terms defined in
the Agreement shall have the same meanings when used in this Amendment.

         Section 2. Amendments to Definitions.

                  The definition of "Acquiring Person" in Section 1 of the
         Agreement is amended to add the following language at the end of such
         definition:

                  Notwithstanding anything contained in this Agreement to the
                  contrary, neither HFTP Investment L.L.C. ("HFTP"), Gaia
                  Offshore Master Fund, Ltd. ("Gaia") nor Caerus Fund Ltd.
                  ("Caerus," and collectively with HFTP and Gaia, the "Buyers")
                  shall become or be an Acquiring Person by virtue of the
                  acquisition of Common Shares pursuant to the terms of that
                  certain Securities Purchase Agreement (the "Securities
                  Purchase Agreement"), dated as of May 29, 2002, among the
                  Company and the Buyers (including without limitation
                  acquisition of the Notes, the Warrants and any Conversion
                  Shares and Warrant Shares, as those terms are defined in the
                  Securities Purchase Agreement), and the acquisition of Common
                  Shares pursuant to the Securities Purchase Agreement shall
                  not, under any circumstances, trigger a Distribution Date
                  within the meaning of this Agreement; provided, however, that
                  only Common Shares (including the Conversion Shares and
                  Warrant Shares) acquired pursuant to the Securities Purchase
                  Agreement shall be deemed excluded from the number of Common
                  Shares deemed beneficially owned by each Buyer in determining
                  whether such Buyer is an Acquiring Person.

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         Section 3. Amendments to Summary of Rights. The second full paragraph
of the Summary of Rights to Purchase Preferred Shares set forth in Exhibit B to
the Agreement shall be amended to add the following sentence to such paragraph:

                  Notwithstanding anything contained in this Agreement to the
                  contrary, neither HFTP Investment L.L.C., Gaia Offshore Master
                  Fund, Ltd. nor Caerus Fund Ltd. (collectively, the "Buyers")
                  shall become or be an Acquiring Person by virtue of the
                  acquisition of Common Shares pursuant to the terms of that
                  certain Securities Purchase Agreement (the "Securities
                  Purchase Agreement"), dated as of May 29, 2002, among the
                  Company and the Buyers (including without limitation
                  acquisition of the Notes, the Warrants and any Conversion
                  Shares and Warrant Shares, as those terms are defined in the
                  Securities Purchase Agreement), and the acquisition of Common
                  Shares pursuant to the Securities Purchase Agreement shall
                  not, under any circumstances, trigger a Distribution Date
                  within the meaning of this Agreement; provided, however, that
                  only Common Shares (including the Conversion Shares and
                  Warrant Shares) acquired pursuant to the Securities Purchase
                  Agreement shall be deemed excluded from the number of Common
                  Shares deemed beneficially owned by each Buyer in determining
                  whether such Buyer is an Acquiring Person.

         Section 4. Severability. If any term, provision, covenant or
restriction of this Amendment is held by a court of competent jurisdiction or
other authority to be invalid, void or unenforceable, the remainder of the
terms, provisions, covenants and restrictions of this Amendment shall remain in
full force and effect and shall in no way be affected, impaired or invalidated.

         Section 5. Governing Law. This Amendment shall be deemed to be a
contract made under the laws of the State of Texas and for all purposes shall be
governed by and construed in accordance with the laws of such State applicable
to contracts made and to be performed entirely within such State.

         Section 6. Counterparts. This Amendment may be executed in any number
of counterparts and each of such counterparts shall for all purposes be deemed
to be an original, and all such counterparts shall together constitute but one
and the same instrument.

         Section 7. Effect of Amendment. Except as expressly modified herein,
the Agreement shall remain in full force and effect.

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         IN WITNESS WHEREOF, the parties hereto have caused this Amendment to be
duly executed as of the day and year first above written.

                                      INTERVOICE-BRITE, INC.

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

                                      COMPUTERSHARE INVESTOR SERVICES, LLC

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

                                       3<PAGE>
                                                                    EXHIBIT 10.1

                                  May 29, 2002

InterVoice-Brite, Inc.
17811 Waterview Parkway
Dallas, Texas 75252

Dear Sirs.

         Reference is hereby made to that certain Credit Agreement dated June 1,
1999, among InterVoice-Brite, Inc., Brite Voice Systems, Inc. (successor by
merger to InterVoice Acquisition Subsidiary III, Inc.), Bank of America,
National Association and the Lenders party thereto, as amended and modified by
the First Amendment to Credit Agreement, the Second Amendment to Credit
Agreement, the Forbearance Agreement dated March 7, 2002, and the Consent and
Amendment to Forbearance Agreement dated March 31, 2002 (collectively the
"Credit Agreement").

         The undersigned is pleased to confirm its commitment to provide a
consent, waiver and amendment to the Credit Agreement on the terms set forth in
the draft attached hereto entitled "Consent, Waiver and Third Amendment to
Credit Agreement" (the "Third Amendment")

         The commitment of the undersigned is subject to the satisfaction of the
conditions set forth in the Third Amendment.

         This letter shall be governed by the laws of the State of Texas.

                                                     Very truly yours,

                                                     By:
                                                        ------------------------<PAGE>
                                                                    EXHIBIT 10.2

            CONSENT, WAIVER, AND THIRD AMENDMENT TO CREDIT AGREEMENT

         THIS CONSENT, WAIVER, AND THIRD AMENDMENT TO CREDIT AGREEMENT (this
"Amendment"), dated effective as of May 29, 2002 (the "Amendment Date"), is
among INTERVOICE-BRITE, INC. (formerly InterVoice, Inc.; "Parent"), BRITE VOICE
SYSTEMS, INC. (successor by merger to InterVoice Acquisition Subsidiary III,
Inc.; "Borrower"), BANK OF AMERICA, NATIONAL ASSOCIATION (successor by merger to
Bank of America National Trust and Savings Association) in its capacity as
administrative agent ("Agent"), and the Lenders party hereto.

                                    RECITALS:

         A. Parent, Borrower, Agent, and the Lenders have entered into that
certain Credit Agreement dated as of June 1, 1999 (as amended, the "Credit
Agreement"). Parent and Borrower have requested that certain provisions of the
Credit Agreement be amended in certain respects.

         B. Parent and Borrower have informed Agent and the Lenders of Parent's
proposal to obtain unsecured subordinated financing from a lender or lenders to
be determined by Parent (collectively, the "Junior Lender"). Parent and Borrower
have requested that the Lenders consent to Parent incurring such Funded Debt in
one or more transactions (collectively, the "Junior Financing Transaction").

         C. Parent, Borrower, Agent, and certain of the Lenders have entered
into that certain Forbearance Agreement dated as of March 7, 2002 (as amended,
the "Forbearance Agreement") with respect to an Event of Default under Section
12.2 of the Credit Agreement. Parent and Borrower have requested that the
Lenders waive the Event of Default described herein and therein.

         D. Subject to satisfaction of the conditions set forth herein, the
undersigned Lenders are willing to (i) amend the Credit Agreement, (ii) consent
to the Junior Financing Transaction, and (iii) waive the Existing Default, each
as specifically provided herein.

         NOW, THEREFORE, BE IT RESOLVED, THAT, in consideration of the premises
herein contained and other good and valuable consideration, the receipt and
sufficiency of which are hereby acknowledged, the parties hereto hereby agree as
follows:

                                    ARTICLE 1

                                   Definitions

         Section 1.1 Definitions. Capitalized terms used in this Amendment, to
the extent not otherwise defined herein, shall have the same meanings as in the
Credit Agreement, as amended hereby.

CONSENT, WAIVER AND THIRD
AMENDMENT TO CREDIT AGREEMENT - Page 1
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                                    ARTICLE 2

                                    Consents

         Section 2.1 Consent to Junior Financing Transaction. Notwithstanding
anything in the Credit Agreement to the contrary, including Section 11.1 and
Section 11.2 of the Credit Agreement, the Lenders hereby confirm their consent
to the Junior Financing Transaction upon the terms and conditions following:

                  (a) The aggregate amount of Funded Debt incurred by Parent in
         connection with the Junior Financing Transaction shall be in an amount
         not less than $10,000,000, but not greater than $20,000,000.

                  (b) The Junior Financing Transaction shall be entered into on
         terms substantially similar to those set forth on Annex A to this
         Amendment and as otherwise may be acceptable to the Required Lenders
         and pursuant to formal documentation in form and substance reasonably
         satisfactory to Agent.

                  (c) The cash proceeds received by Parent in connection with
         the Junior Financing Transaction shall be delivered to Agent on the
         closing date of the Junior Financing Transaction and, first, shall be
         applied to repay all outstanding principal and interest owing on the
         Term Loans, second, shall be applied to repay the outstanding principal
         and interest owing on the Revolving Loans (without reducing the
         Revolving Commitments), and third, shall be deposited to a deposit
         account of Parent and used to support the working capital needs of
         Parent and its Subsidiaries.

         Section 2.2 Conditional Release of Pledge of Foreign Stock.
Notwithstanding anything in the Credit Agreement to the contrary, if any Foreign
Subsidiary enters into a credit facility with a lending institution to support
such Foreign Subsidiary's operations outside of the U.S. (any such credit
facility to be on terms and pursuant to documentation in form and substance
reasonably satisfactory to Agent), each Lender hereby agrees that Agent is
authorized to release its Liens on the Capital Stock of each Foreign Subsidiary
owned by Parent or any other Subsidiary of Parent.

                                    ARTICLE 3

                                     Waiver

         Section 3.1 Waiver of Event of Default. Pursuant to Section 12.2 of the
Credit Agreement, Borrower was required to cause Parent and its Subsidiaries to
maintain a Fixed Charge Coverage Ratio calculated as of February 28, 2002 (the
"Measurement Date"), for the preceding four (4) Fiscal Quarters then ending, of
not less than 1.25 to 1.00. As of the Measurement Date, the Fixed Charge
Coverage Ratio for the preceding four (4) Fiscal Quarters was less than the
required ratio. Borrower's failure to cause Parent and its Subsidiaries to
maintain the Fixed Charge Coverage Ratio as required by the Credit Agreement,
constitutes an Event of Default under Section 13.1(c) of the

CONSENT, WAIVER AND THIRD
AMENDMENT TO CREDIT AGREEMENT - Page 2
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Credit Agreement (the "Existing Default"). Effective as of the Amendment Date,
and subject to the conditions precedent contained herein, the Lenders hereby
waive the Event of Default resulting from the Existing Default.

         Section 3.2 Limitation of Waiver. Parent and Borrower hereby agree that
the waiver specifically described in Section 3.1 shall not constitute and shall
not be deemed a waiver of any other Default or Event of Default, whether arising
as a result of further violations of Section 12.2 or otherwise, or a waiver of
any rights or remedies arising as a result of such other Defaults or Events of
Default. The failure of Parent and Borrower to comply with Section 12.2 for any
date, or any period ending on any date, other than as described above shall
constitute an Event of Default.

                                    ARTICLE 4

                                   Amendments

         Section 4.1 Amendments to Section 1.1. Effective as of the Amendment
Date, Section 1.1 of the Credit Agreement is hereby amended as follows:

                  (a) Additional Defined Terms. The following terms are hereby
         added (in appropriate alphabetical order) to Section 1.1 of the Credit
         Agreement, the definition of which terms shall read in their respective
         entireties as follows:

                           "Account Debtor " means each Person obligated in any
                  way on or in connection with any Receivable.

                           "Annualized Last Three Months EBITDA" means the
                  EBITDA for the three (3) calendar months most recently ended,
                  multiplied by four.

                           "Annualized Last Three Months Capital Expenditures"
                  means the Capital Expenditures for the three (3) calendar
                  months most recently ended, multiplied by four.

                           "Annualized Last Three Months Cash Interest and
                  Scheduled Principal Payments" means the cash interest paid by
                  the Parent and its Subsidiaries along with any cash principal
                  payments made for three (3) calendar months most recently
                  ended, multiplied by four.

                           "Annualized Last Three Months Cash Taxes" means the
                  cash taxes paid by the Parent and its Subsidiaries for the
                  three (3) calendar months most recently ended, multiplied by
                  four.

                           "Availability " means, at any time, (a) the lesser of
                  (i) the aggregate Revolving Commitments or (ii) the Borrowing
                  Base, minus (b) the Outstanding Revolving Credit.

CONSENT, WAIVER AND THIRD
AMENDMENT TO CREDIT AGREEMENT - Page 3
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                           "Blocked Account Agreement" means an agreement among
                  Parent, Borrower, Agent, and a Lender (if applicable) in form
                  and substance satisfactory to Agent, concerning the collection
                  of payments which represent the proceeds of Receivables or of
                  any other Collateral.

                           "Borrowing Base" means, at any time, an amount equal
                  to the lesser of (a) the aggregate Revolving Commitments or
                  (b) the sum of, without duplication, (i) seventy-five percent
                  (75.0%) of the Net Amount of Eligible Receivables, plus (ii)
                  forty percent (40.0%) of Eligible Inventory, minus (iii)
                  Reserves.

                           "Borrowing Base Certificate" means a certificate
                  executed and delivered by the chief executive officer or chief
                  financial officer of each of Parent and Borrower, in form
                  acceptable to Agent, setting forth the calculation of the
                  Borrowing Base, including a calculation of each component
                  thereof (including to the extent Parent or Borrower has
                  received notice of any Reserve from Agent, any of the Reserves
                  included in such calculation pursuant to clause (b) of the
                  definition of Borrowing Base), all in such detail as shall be
                  satisfactory to Agent. All calculations of the Borrowing Base
                  in connection with the preparation of any Borrowing Base
                  Certificate shall originally be made by Parent and Borrower
                  and certified to Agent; provided that Agent shall have the
                  right to review and adjust, in the exercise of its reasonable
                  credit judgment, any such calculation (a) to reflect its
                  reasonable estimate of declines in value of any of the
                  Collateral described therein, and (b) to the extent that such
                  calculation is not in accordance with this Agreement.

                           "Eligible Inventory" means Inventory, valued at the
                  lower of cost or market value, which Agent, in its reasonable
                  credit judgment, determines to be Eligible Inventory. Without
                  limiting the discretion of Agent to establish other criteria
                  of ineligibility, Eligible Inventory shall not, unless the
                  Agent in its reasonable credit judgment elects, include any
                  Inventory: (a) that is not owned by Parent or Borrower,
                  including Inventory held by Parent or Borrower on consignment;
                  (b) that is not subject to Liens in favor of Agent (for the
                  benefit of Agent and the Lenders) which are perfected as to
                  such Inventory, or that is subject to any other Lien
                  whatsoever; (c) that is finished goods, work-in-process,
                  chemicals, samples, prototypes, supplies, or packing and
                  shipping materials; (d) that is not in good condition, is
                  unmerchantable, or does not meet all standards imposed by any
                  Governmental Authority having regulatory authority over such
                  goods or their use or sale; (e) that is not currently usable
                  in the normal course of Parent's or Borrower's business, or
                  that is slow moving or stale; (f) that is obsolete, defective,
                  returned, repossessed, or used goods taken in trade; (g) that
                  is located outside the U.S. or that is in transit from vendors
                  or suppliers; (h) that is located in a public

CONSENT, WAIVER AND THIRD
AMENDMENT TO CREDIT AGREEMENT - Page 4
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                  warehouse or in possession of a bailee or in a facility leased
                  by Parent or Borrower, if the applicable warehouseman, bailee,
                  or lessor has not delivered to Agent, if requested by Agent, a
                  subordination agreement in form and substance satisfactory to
                  Agent or if a Reserve for rents or storage charges has not
                  been established for Inventory at that location; (i) that
                  contains or bears any Intellectual Property licensed to Parent
                  or Borrower by any Person, if Agent is not satisfied that it
                  may sell or otherwise dispose of such Inventory without
                  infringing the rights of the licensor of such Intellectual
                  Property or violating any contract with such licensor (and
                  without payment of any royalties other than any royalties due
                  with respect to the sale or disposition of such Inventory
                  pursuant to the existing license agreement), and, if Agent
                  deems it necessary, as to which Parent and Borrower have not
                  delivered to Agent a consent or sublicense agreement from such
                  licensor in form and substance acceptable to Agent; (j) that
                  is acquired in connection with any acquisition, including a
                  Permitted Acquisition, to the extent Agent has not completed
                  an audit of such Inventory with results satisfactory to Agent;
                  or (k) that is not reflected in the details of a current
                  perpetual inventory report. If any Inventory at any time
                  ceases to be Eligible Inventory, such Inventory shall promptly
                  be excluded from the calculation of the Borrowing Base.

                           "Eligible Receivables" means Receivables of Parent
                  and Borrower which Agent in the exercise of its reasonable
                  credit judgment determines to be Eligible Receivables. Without
                  limiting the discretion of Agent to establish other criteria
                  of ineligibility, Eligible Receivables shall not, unless Agent
                  in its reasonable credit judgment elects, include any
                  Receivable: (a) with respect to which more than ninety (90)
                  days have elapsed since the date of the original invoice
                  therefor or which is more than sixty (60) days past due from
                  the due date of the original invoice therefor; (b) with
                  respect to which any of the representations, warranties,
                  covenants, and agreements contained in the Parent Security
                  Agreement or the Borrower Security Agreement, as applicable,
                  are incorrect or have been breached; (c) with respect to which
                  Receivable (or any other Receivable due from the applicable
                  Account Debtor), in whole or in part, a check, promissory
                  note, draft, trade acceptance, or other instrument for the
                  payment of money has been received, presented for payment, and
                  returned uncollected for any reason; (d) which represents a
                  progress billing (for the purposes hereof, "progress billing"
                  means any invoice for goods sold or leased or services
                  rendered under a contract or agreement pursuant to which the
                  Account Debtor's obligation to pay such invoice is conditioned
                  upon Parent's or Borrower's completion of any further
                  performance under such contract or agreement); (e) with
                  respect to which any one or more of the following events has
                  occurred to the Account Debtor on such Receivable: (i) death
                  or judicial declaration of incompetency of such Account Debtor
                  who is a natural person; (ii) the filing by or against such
                  Account Debtor of a request or petition for liquidation,
                  reorganization,

CONSENT, WAIVER AND THIRD
AMENDMENT TO CREDIT AGREEMENT - Page 5
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                  arrangement, adjustment of debts, adjudication as a bankrupt,
                  winding-up, or other relief under the Bankruptcy Code or any
                  other bankruptcy, insolvency, or similar laws of the U.S., any
                  state or territory thereof, or any foreign jurisdiction, now
                  or hereafter in effect; (iii) the making of any general
                  assignment by such Account Debtor for the benefit of
                  creditors; (iv) the appointment of a receiver or trustee for
                  such Account Debtor or for any of the assets of the Account
                  Debtor, including, without limitation, the appointment of or
                  taking possession by a "custodian," as defined in the
                  Bankruptcy Code; (v) the institution by or against such
                  Account Debtor of any other type of insolvency proceeding
                  (under the Bankruptcy Code or otherwise) or of any formal or
                  informal proceeding for the dissolution or liquidation of,
                  settlement of claims against, or winding up of affairs of,
                  such Account Debtor; (vi) the sale, assignment, or transfer of
                  all or any material part of the assets of such Account Debtor;
                  (vii) the nonpayment generally by such Account Debtor of its
                  debts as they become due; or (viii) the cessation of the
                  business of such Account Debtor as a going concern; (f) if
                  twenty-five percent (25.0%) or more of the aggregate Dollar
                  amount of outstanding Receivables owed at such time by the
                  Account Debtor thereon is classified as ineligible pursuant to
                  the other provisions of this definition other than clause (d)
                  preceding; (g) owed by an Account Debtor which (i) does not
                  maintain its chief executive office in the U.S., (ii) is not
                  organized under the laws of the U.S. or any political
                  subdivision or state thereof, or (iii) is the government of
                  any foreign country or sovereign state, or of any state,
                  province, municipality, or other political subdivision
                  thereof, or of any department, agency, public corporation, or
                  other instrumentality thereof, except to the extent that such
                  Receivable is secured or payable by a letter of credit
                  satisfactory to Agent in its discretion; (h) owed by an
                  Account Debtor which is an Affiliate or employee of Parent or
                  Borrower; (i) except as provided in clause (k) following, with
                  respect to which either the perfection, enforceability, or
                  validity of the Liens in favor of Agent in such Receivable, or
                  Agent's right or ability to obtain direct payment to Agent of
                  the proceeds of such Receivable, is governed by any federal,
                  state, or local statutory requirements other than those of the
                  UCC; (j) owed by an Account Debtor to which Parent or Borrower
                  or any of their respective Affiliates, is indebted in any way,
                  or which is subject to any right of setoff or recoupment by
                  the Account Debtor, unless the Account Debtor has entered into
                  an agreement acceptable to Agent to waive setoff rights, or if
                  the Account Debtor thereon has disputed liability or made any
                  claim with respect to any other Receivable due from such
                  Account Debtor, but in each such case only to the extent of
                  such indebtedness, setoff, recoupment, dispute, or claim; (k)
                  owed by the government of the U.S., or any department, agency,
                  public corporation, or other instrumentality thereof, unless
                  the Federal Assignment of Claims Act of 1940, as amended (31
                  U.S.C. Section 3727 et seq.), and any other steps necessary to
                  perfect Agent's Liens therein, have been complied with to
                  Agent's satisfaction with respect to such Receivable; (l) owed
                  by any state,

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                  municipality, or other political subdivision of the U.S., or
                  any department, agency, public corporation, or other
                  instrumentality thereof and as to which Agent determines that
                  its Lien therein is not or cannot be perfected; (m) which
                  represents a sale on a bill-and-hold, guaranteed sale, sale
                  and return, sale on approval, consignment, or other repurchase
                  or return basis; (n) which is evidenced by a promissory note
                  or other instrument or by chattel paper; (o) with respect to
                  which Agent believes, in the exercise of its reasonable
                  judgment, that the prospect of collection of such Receivable
                  is impaired or that such Receivable may not be paid by reason
                  of the Account Debtor's financial inability to pay; (p) with
                  respect to which the Account Debtor is located in any state
                  requiring the filing of a Notice of Business Activities Report
                  or similar report in order to permit Parent or Borrower to
                  seek judicial enforcement in such state of payment of such
                  Receivable, unless Parent or Borrower, as applicable, has
                  qualified to do business in such state or has filed a Notice
                  of Business Activities Report or equivalent report for the
                  then current year; (q) which arises out of a sale not made in
                  the ordinary course of Parent's or Borrower's business or
                  which represents a rebate due from a vendor; (r) with respect
                  to which the goods giving rise to such Receivable have not
                  been shipped and delivered to and accepted by, or have been
                  rejected or objected to by, the Account Debtor or the services
                  giving rise to such Receivable have not been performed by
                  Parent or Borrower, and, if applicable, accepted by the
                  Account Debtor, or the Account Debtor revokes its acceptance
                  of such goods or services; (s) owed by an Account Debtor, or
                  group of affiliated Account Debtors, which is obligated to
                  Parent and Borrower respecting Receivables the aggregate
                  unpaid balance of which exceeds twenty-five percent (25.0%) of
                  the aggregate unpaid balance of all Receivables owed to Parent
                  and Borrower at such time by all of Parent and Borrower's
                  Account Debtors, but only to the extent of such excess; (t)
                  which is not subject to a first priority and perfected
                  security interest in favor of Agent, for the benefit of Agent
                  and the Lenders; (u) with respect to which Parent, Borrower,
                  or Agent (in the exercise of its reasonable credit judgment)
                  has deemed such Receivable as uncollectible or has any reason
                  to believe that such Receivable is uncollectible; (v) which is
                  acquired in connection with any acquisition, including a
                  Permitted Acquisition, to the extent Agent has not completed
                  an audit of the Receivables acquired in connection with such
                  acquisition with results satisfactory to Agent; and (x) which
                  Agent determines in its reasonable credit judgment is
                  ineligible for any other reason. If any Receivable at any time
                  ceases to be an Eligible Receivable, then such Receivable
                  shall promptly be excluded from the calculation of the
                  Borrowing Base.

                           "Junior Financing Debt" means the outstanding Debt of
                  Parent funded in connection with the Junior Financing
                  Transaction.

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AMENDMENT TO CREDIT AGREEMENT - Page 7
<PAGE>

                           "Junior Financing Transaction" means the issuance of
                  unsecured subordinated notes to one or more lenders or other
                  form of borrowing by Parent from one or more lenders (such
                  lenders to be determined by Parent) pursuant to one or more
                  note purchase agreement, promissory note, or other similar
                  agreement between Parent and each such lender on terms
                  acceptable to the Required Lenders (including, without
                  limitation, provisions that principal thereunder may be paid
                  in Capital Stock of Parent and limitations on each such
                  lender's rights of acceleration and exercise of remedies) and
                  subject to documentation reasonably acceptable to Agent.

                           "Net Amount of Eligible Receivables" means, at any
                  time, the gross amount of Eligible Receivables, less sales,
                  excise, or similar taxes, and less returns, discounts, claims,
                  credits, allowances, accrued rebates, offsets, deductions,
                  counterclaims, disputes, and other defenses of any nature at
                  any time issued, owing, granted, outstanding, available, or
                  claimed.

                           "Payment Account" means a bank account subject to a
                  Blocked Account Agreement to which funds of Parent and
                  Borrower (including proceeds of Receivables and other
                  Collateral), as applicable, are deposited or credited, and
                  which is maintained in the name of Agent, Parent, or Borrower,
                  or any of them, as Agent may determine, on terms acceptable to
                  Agent.

                           "Reserves" means reserves that limit availability of
                  credit hereunder, consisting of reserves against Eligible
                  Inventory or Eligible Receivables, established by Agent from
                  time to time in Agent's reasonable credit judgment.

                  (b) Amendments to Existing Defined Terms. The following
         defined terms are hereby amended and restated to read in their
         respective entireties as follows:

                           "Fixed Charge Coverage Ratio" means, as of any period
                  end and determined on a consolidated basis for Parent and its
                  Subsidiaries, the ratio of (a) Annualized Last Three Months
                  EBITDA, less (b) the Annualized Last Three Months Capital
                  Expenditures, less (c) Annualized Last Three Months Cash
                  Taxes, to (d) the Annualized Last Three Months Cash Interest
                  and Scheduled Principal Payments.

                           "Leverage Ratio" means, as of any period end and
                  determined on a consolidated basis for Parent and its
                  Subsidiaries, the ratio of (a) Funded Debt, excluding Funded
                  Debt incurred in connection with the Junior Financing
                  Transaction, determined as of the end of such period, to (b)
                  Annualized Last Three Months EBITDA.

                           "Revolving Commitment" means, as to each Lender, the
                  obligation of such Lender to make advances of funds and
                  purchase participation interests

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                  in (or with respect to the Issuing Bank as a Lender, hold
                  other interests in) Letters of Credit in an aggregate
                  principal amount at any one time outstanding up to but not
                  exceeding the amount set forth opposite the name of such
                  Lender on Schedule 1.1 (or if applicable, the most recent
                  Assignment and Acceptance executed by such Lender) under the
                  heading "Revolving Commitment", as the same may be reduced or
                  terminated pursuant to Section 2.5, Section 5.4, or Section
                  13.2. The aggregate amount of the Revolving Commitments as of
                  May 29, 2002 equals twelve million Dollars ($12,000,000).

                           "Revolving Maturity Date" means June 1, 2003.

                           "Term Maturity Date" means the earlier to occur of
                  (a) June 1, 2003, or (b) the closing date of the Junior
                  Financing Transaction.

         Section 4.2 Amendment to Section 2.1. Effective as of the Amendment
Date, Section 2.1 of the Credit Agreement is hereby amended and restated to read
in its entirety as follows:

                  Section 2.1 Revolving Commitments. Subject to the terms and
         conditions of this Agreement, each Lender severally agrees to make
         advances to Borrower from time to time from and including the Closing
         Date to but excluding the Revolving Maturity Date in an aggregate
         principal amount at any time outstanding up to but not exceeding the
         amount of such Lender's Revolving Commitment as then in effect;
         provided, however, (a) the aggregate Outstanding Revolving Credit shall
         not at any time exceed the Borrowing Base, (b) no Revolving Loan shall
         be made in excess of the Availability in effect at the time of the
         requested Revolving Loan, (c) the Outstanding Revolving Credit
         applicable to a Lender shall not at any time exceed such Lender's
         Revolving Commitment, and (d) the Outstanding Revolving Credit of all
         of the Lenders shall not at any time exceed the aggregate Revolving
         Commitments. Subject to the foregoing limitations, and the other terms
         and provisions of this Agreement, Borrower may borrow, prepay, and
         reborrow hereunder the amount of the Revolving Commitments. All
         Revolving Loans made or Continued on or after May 29, 2002 shall be
         Base Rate Accounts and shall be established and maintained at such
         Lender's Applicable Lending Office for Base Rate Accounts.

         Section 4.3 Amendment to Section 4.1. Effective as of the Amendment
Date, Section 4.1 of the Credit Agreement is hereby amended and restated to read
in its entirety as follows:

                  Section 4.1 Interest Rate. Borrower shall pay to Agent, for
         the account of each Lender, interest on the unpaid principal amount of
         each Loan made by such Lender for the period commencing on the date of
         such Loan to but excluding the date such Loan is due, at a fluctuating
         rate per annum equal to the Applicable Rate. The term "Applicable Rate"
         means:

CONSENT, WAIVER AND THIRD
AMENDMENT TO CREDIT AGREEMENT - Page 9
<PAGE>

                           (a) during the period that such Loan or portion
                  thereof is outstanding as a Base Rate Account, the Base Rate,
                  plus the Base Rate Margin; and

                           (b) during the period that such Loan or portion
                  thereof is outstanding as a Libor Account or as Libor
                  Accounts, the Adjusted Libor Rate, plus the Libor Rate Margin;

         provided, however, that, notwithstanding anything to the contrary
         contained elsewhere in this Agreement, effective as of May 29, 2002,
         Libor Accounts shall not be available hereunder and all outstanding
         Libor Accounts (if any) shall be automatically Converted to Base Rate
         Accounts (and Borrower shall be responsible for any amounts arising
         under Section 6.5 as a result of such Conversion).

         Section 4.4 Amendment to Section 4.2. Effective as of the Amendment
Date, Section 4.2 of the Credit Agreement is hereby amended and restated to read
in its entirety as follows:

                  Section 4.2 Determinations of Margins and Commitment Fee Rate.
         Effective as of May 29, 2002, (a) the Commitment Fee Rate shall be
         one-half percent (0.50%) and (b) on any date of determination, the Base
         Rate Margin shall be as set forth in the following table:

<Table>
<Caption>
                                                                             BASE RATE
                            DATE OF DETERMINATION                              MARGIN
                            ---------------------                            ---------
<S>                                                                          <C>

                    May 29, 2002 through and including                          1.75%
                    August 31, 2002

                    September 1, 2002 through and including                     2.25%
                    November 30, 2002

                    December 1, 2002 through and including                      2.75%
                    February 28, 2003

                    March 1, 2003 and thereafter                                3.25%
</Table>

         Section 4.5 Amendment to Section 5.4. Effective as of the Amendment
Date, Section 5.4(a)(i) of the Credit Agreement is hereby amended and restated
to read in its entirety as follows:

                           (i) Revolving Loans. If at any time the Outstanding
                  Revolving Credit exceeds (A) the aggregate Revolving
                  Commitments, Borrower shall, within one (1) Business Day after
                  notice thereof from the Agent, prepay the outstanding
                  Revolving Loans by the amount of such excess, or (B) the
                  Borrowing Base, Borrower shall, within one (1) Business Day
                  after the date

CONSENT, WAIVER AND THIRD
AMENDMENT TO CREDIT AGREEMENT - Page 10
<PAGE>

                  required for delivery of a Borrowing Base Certificate which
                  would calculate such excess or within one (1) Business Day
                  after notice thereof from Agent to Borrower, prepay the
                  outstanding Revolving Loans by the amount of such excess.

         Section 4.6 Amendments to Section 10.1. Effective as of the Amendment
Date, Section 10.1 of the Credit Agreement is hereby amended as follows:

                  (a) The word "and" is deleted at the end of Section 10.1(k)
         and Section 10.1(l) is amended and restated to read in its entirety as
         follows:

                           (l) Borrowing Base Certificate. As soon as available,
                  and in any event by the second Business Day of each week, a
                  Borrowing Base Certificate setting forth a computation of the
                  Borrowing Base as of the last Business Day of the immediately
                  preceding week, together with other information as may be
                  reasonably requested by Agent, and setting forth the
                  calculations supporting the computations therein;

                  (b) A new Section 10.1(m) is added, which Section 10.1(m)
         shall read in its entirety as follows:

                           (m) Receivables Agings, Etc.

                                    (i) At any time any amount is outstanding
                           under the Revolving Loans, as soon as available, and
                           in any event by the second Business Day of each week
                           as of the last Business Day of the immediately
                           preceding week, a schedule of Parent's and Borrower's
                           Receivables, which schedule shall set forth a
                           detailed aged final balance of all then existing
                           Receivables of Parent and Borrower specifying the
                           names, addresses, and balances due for each Account
                           Debtor obligated on the Receivables so listed;

                                    (ii) If no amount is outstanding under the
                           Revolving Loans, as soon as available, and in any
                           event by the fifth Business Day of each calendar
                           month as of the last Business Day of the immediately
                           preceding calendar month, a schedule of Parent's and
                           Borrower's Receivables, which schedule shall meet the
                           requirements of clause (i) preceding;

                                    (iii) As soon as available, and in any event
                           by the second Business Day of each week as of the
                           last Business Day of the immediately preceding week,
                           a report of cash receipts of and disbursements made
                           by Parent and Borrower during such week;

CONSENT, WAIVER AND THIRD
AMENDMENT TO CREDIT AGREEMENT - Page 11
<PAGE>

                                    (iv) As soon as available, and in any event
                           by the fifth Business Day of each calendar month, a
                           schedule of Inventory itemizing and describing the
                           kind, type, and quantity of all Inventory owned by
                           Parent and Borrower, the cost thereof, and the
                           location thereof; and

                  (c) A new Section 10.1(n) is added, which Section 10.1(n)
         shall read in its entirety as follows:

                           (n) General Information. Promptly, such other
                  information concerning Parent and Borrower or any Subsidiary
                  of Parent or Borrower as Agent or any Lender may from time to
                  time reasonably request.

         Section 4.7 Amendment to Section 10.6. Effective as of the Amendment
Date, Section 10.6 of the Credit Agreement is hereby amended and restated to
read in its entirety as follows:

                  Section 10.6 Inspection Rights. Parent will, and will cause
         each Subsidiary of Parent to, permit representatives and agents of
         Agent, accompanied by representatives and agents of any Lender, during
         normal business hours and upon reasonable notice to Parent, to examine,
         copy, and make extracts from Parent's or such Subsidiary's books and
         records, to visit and inspect Parent's or such Subsidiary's Properties
         and to discuss Parent's or such Subsidiary's business, operations, and
         financial condition with its officers and independent certified public
         accountants. Parent will, and will cause each Subsidiary of Parent to,
         authorize its accountants in writing (with a copy to Agent) to comply
         with this Section. Agent or its representatives may, at any time and
         from time to time at Parent's and Borrower's expense, conduct field
         exams for such purposes as Agent or the Required Lenders may reasonably
         request. Without limiting the generality of the foregoing sentence,
         Agent or its representatives may conduct field exams on or around
         September 1, 2002, and every ninety (90) days thereafter, all at
         Parent's and Borrower's expense (including, without limitation, Agent's
         customary charge of $800 per day for each Person performing such
         exams).

         Section 4.8 Addition of Section 10.15. Effective as of the Amendment
Date, a new Section 10.15 is hereby added to the Credit Agreement, which shall
read in its entirety as follows:

                  Section 10.15 Collection of Accounts; Payments. Upon the
         earlier to occur of August 31, 2002 or the occurrence of any Event of
         Default:

                           (a) Parent and Borrower shall establish a lock-box
                  service for collections of Receivables with Agent or another
                  Lender (subject to a Blocked Account Agreement and other
                  documentation acceptable to Agent). Parent and Borrower shall
                  promptly and thereafter instruct all of their respective

CONSENT, WAIVER AND THIRD
AMENDMENT TO CREDIT AGREEMENT - Page 12
<PAGE>

                  account debtors to make all payments directly to the address
                  established for such service. If notwithstanding such
                  instructions, Parent or Borrower receives any proceeds of
                  Receivables, it shall receive such proceeds as Agent's
                  trustee, and shall immediately deliver such payments to Agent
                  in their original form duly endorsed in blank or deposit them
                  into a Payment Account, as Agent may direct.

                           (b) All collections of Parent and Borrower received
                  in any lock-box or Payment Account or directly by Parent or
                  Borrower, and all funds in any such Payment Account or other
                  deposit account to which such collections are deposited shall
                  be subject to Agent's sole control and withdrawals by Parent
                  or Borrower shall not be permitted.

                           (c) All collections of any Person other than Parent
                  or Borrower received in any lock-box or Payment Account and
                  all funds in any such Payment Account or other deposit account
                  to which such collections are deposited shall be subject to
                  Agent's sole control and withdrawals by Parent or Borrower
                  shall not be permitted.

                           (d) Agent or Agent's designee may, at any time after
                  a Default or an Event of Default has occurred, notify Parent's
                  and Borrower's account debtors that Parent's and Borrower's
                  (as applicable) Receivables have been assigned to Agent and of
                  Agent's security interest therein, and may collect such
                  Receivables directly and may charge the collection costs and
                  expenses against the proceeds received or to Borrower as a
                  Revolving Loan. So long as an Event of Default exists, Parent
                  and Borrower, at Agent's request, shall execute and deliver to
                  Agent such documents as Agent shall require to grant Agent
                  access to any post office box in which collections of Parent's
                  and Borrower's Receivables are received.

                           (e) If sales of Inventory are made or services are
                  rendered by Parent or Borrower for cash, Parent or Borrower
                  (as applicable) shall immediately deliver, or cause to be
                  delivered, to Agent or deposit into a Payment Account, the
                  cash received by Parent or Borrower.

         Section 4.9 Addition of Section 10.16. Effective as of the Amendment
Date, a new Section 10.16 is hereby added to the Credit Agreement, which shall
read in its entirety as follows:

                  Section 10.16 Retention of Business Consultant. On and after
         May 29, 2002, Parent and Borrower shall retain William Blair & Company
         or another similar business consultant or investment banking firm to
         help arrange financing to replace the Commitments by refinancing with
         another lender on or before the Maturity Date.

CONSENT, WAIVER AND THIRD
AMENDMENT TO CREDIT AGREEMENT - Page 13
<PAGE>

         Section 4.10 Amendment to Section 12.1. Effective as of the Amendment
Date, Section 12.1 of the Credit Agreement is hereby amended and restated to
read in its entirety as follows:

                  Section 12.1 Leverage Ratio. As of the end of each calendar
         month ending specified below, Parent shall not permit the Leverage
         Ratio to exceed the ratio set forth below opposite the applicable month
         specified below:

<Table>
<Caption>
                             Period End                                    Leverage Ratio
                             ----------                                    --------------
<S>                                                                     <C>

           September 30, 2002                                               3.50 to 1.00

           October 31, 2002                                                 3.10 to 1.00

           November 30, 2002                                                2.50 to 1.00

           December 31, 2002 and each other month                           2.00 to 1.00
           ending thereafter
</Table>

         Section 4.11 Amendment to Section 12.2. Effective as of the Amendment
Date, Section 12.2 of the Credit Agreement is hereby amended and restated to
read in its entirety as follows:

                  Section 12.2 Fixed Charge Coverage Ratio. As of the end of
         each calendar month specified below, Parent shall not permit the Fixed
         Charge Coverage Ratio calculated as of the last day of each such
         calendar month to be less than the ratio set forth below opposite the
         applicable month specified below:

<Table>
<Caption>
                             Period End                           Fixed Charge Coverage Ratio
                             ----------                           ---------------------------
<S>                                                              <C>

           September 30, 2002                                               0.60 to 1.00

           October 31, 2002                                                 0.80 to 1.00

           November 30, 2002                                                1.10 to 1.00

           December 31, 2002                                                1.25 to 1.00

           January 31, 2003                                                 1.50 to 1.00

           February 28, 2003                                                1.80 to 1.00

           March 31, 2003                                                   1.90 to 1.00

           April 30, 2003                                                   2.00 to 1.00

           May 31, 2003 and each other month                                2.25 to 1.00
           ending thereafter
</Table>

CONSENT, WAIVER AND THIRD
AMENDMENT TO CREDIT AGREEMENT - Page 14
<PAGE>

         Section 4.12 Addition of Section 12.5. Effective as of the Amendment
Date, a new Section 12.5 is hereby added to the Credit Agreement, which shall
read in its entirety as follows:

                  Section 12.5 Minimum EBITDA. As of the end of each calendar
         month specified below, Parent shall not permit EBITDA for such month to
         be less than the amount set forth opposite the applicable month
         specified below:

<Table>
<Caption>
                           Period End                                 Minimum EBITDA
                           ----------                                 --------------
<S>                                                                   <C>

           June 30, 2002                                                  $(4,500,000)

           July 31, 2002                                                  $  (500,000)

           August 31, 2002                                                $ 3,000,000

           September 30, 2002                                             $(4,500,000)
</Table>

         Section 4.13 Amendments to Section 13.1. Effective as of the Amendment
Date, Section 13.1 of the Credit Agreement is hereby amended as follows:

                  (a) The word "or" is deleted at the end of Section 13.1(m) and
         the period at the end of Section 13.1(n) is replaced with a semicolon
         and the word "or".

                  (b) A new Section 13.1(o) is added, which shall read in its
         entirety as follows:

                           (o) Any payment with respect to the principal amount
                  of the Junior Financing Debt shall be paid in cash at any time
                  any Revolving Loan is outstanding (after giving effect to the
                  making of such payment), any prepayment shall be made in cash
                  with respect to the principal amount of the Junior Financing
                  Debt, or any event of default, redemption event, triggering
                  event, change of control, or other event which permits the
                  holder of the Junior Financing Debt (i) to accelerate the
                  Junior Financing Debt or otherwise permits any holder of the
                  Junior Financing Debt to cause the Junior Financing Debt to be
                  redeemed for cash prior to its scheduled maturity or required
                  payment of a premium or other charge in cash or (ii) to
                  exercise any remedies with respect thereto (other than any
                  such event of default or other default or acceleration that is
                  remedied within two (2) Business Days of such occurrence by
                  the issuance of Capital Stock of Parent in satisfaction of the
                  Junior Financing Debt); provided that the date set forth in
                  this Section 13.1(o) may be extended with the written approval
                  of the Required Lenders.

         Section 4.14 Amendments to Schedule 1.1. Effective as of the Amendment
Date, Schedule 1.1 of the Credit Agreement is hereby amended to change the
"REVOLVING COMMITMENTS" to read as follows:

CONSENT, WAIVER AND THIRD
AMENDMENT TO CREDIT AGREEMENT - Page 15
<PAGE>

                             REVOLVING COMMITMENTS:

<Table>
<Caption>
                           Lender                       Commitment Amount    Pro Rata Share
                           ------                       -----------------    --------------
<S>                                                     <C>                  <C>

         Bank of America, National                        $ 2,080,000.00       17.3333333%
         Association

         Fleet National Bank                              $ 2,080,000.00       17.3333333%

         Bank One, Texas, NA                              $ 1,920,000.00       16.0000000%

         The Bank of Nova Scotia                          $ 1,200,000.00       10.0000000%

         IBM Credit Corporation                           $ 1,200,000.00       10.0000000%

         Comerica Bank                                    $   880,000.00        7.3333333%

         U.S. Bank National Association                   $   880,000.00        7.3333333%

         Union Bank of California, N.A.                   $   880,000.00        7.3333333%

         Bank Austria Creditanstalt                       $   880,000.00        7.3333333%
         Corporate Finance, Inc.
                                                          --------------       ----------
         Total Revolving Commitments                      $12,000,000.00              100%
                                                          ==============       ==========
</Table>

                                    ARTICLE 5

                                   Conditions

         Section 5.1 Conditions Precedent. The effectiveness of this Amendment
is subject to the satisfaction of the following conditions precedent:

                  (a) the representations and warranties contained herein and in
         all other Loan Documents, as amended hereby, shall be true and correct
         in all material respects as of the date hereof as if made on the date
         hereof, except for such representations and warranties limited by their
         terms to a specific date;

                  (b) after giving effect to this Amendment, no Default or Event
         of Default shall be in existence;

                  (c) Parent, Borrower, and the Required Lenders shall have
         delivered to Agent an executed original copy of this Amendment;

                  (d) Borrower shall have paid to Agent all fees, costs, and
         expenses owed to and/or incurred by Agent and each such Lender arising
         in connection with the Credit Agreement or

CONSENT, WAIVER AND THIRD
AMENDMENT TO CREDIT AGREEMENT - Page 16
<PAGE>

         this Amendment, including, without limitation, the reasonable fees,
         costs, and expenses of Agent's legal counsel, Jenkens & Gilchrist, a
         Professional Corporation;

                  (e) Borrower shall have paid to Agent, for the ratable benefit
         of each Lender providing to Agent its signature page to the commitment
         letter provided to the Borrower relating to this Amendment on or before
         3:00 p.m. (Dallas, Texas time) May 29, 2002, an amendment fee of
         $120,000 (such fee to be allocated to such Lenders pro rata based on
         the amount of each such Lender's Commitment);

                  (f) The Mortgage Transaction (as defined in that certain
         Consent and Amendment to Forbearance Agreement, dated as of March 31,
         2002, among Parent, Borrower, Agent, and the Lenders party thereto)
         shall have closed and funded and Borrower shall have made the
         prepayment required under Section 5.4(b) of the Credit Agreement in
         connection therewith;

                  (g) The Junior Financing Transaction shall have closed (which
         Junior Financing Transaction shall be subordinated to the Obligations
         pursuant to a subordination and intercreditor agreement in form and
         substance satisfactory to Agent) and $10,000,000 of Junior Financing
         Debt shall have funded thereunder; and

                  (h) all proceedings taken in connection with the transactions
         contemplated by this Amendment and all documentation and other legal
         matters incident thereto shall be satisfactory to Agent and the
         Required Lenders (execution and delivery of a counterpart of this
         Amendment evidencing completion of each condition to effectiveness
         hereof to Agent's and such Lender's satisfaction).

                                    ARTICLE 6

                 Ratifications, Representations, and Warranties

         Section 6.1 Ratifications. The terms and provisions set forth in this
Amendment shall modify and supersede all inconsistent terms and provisions set
forth in the Credit Agreement and, except as expressly modified and superseded
by this Amendment, the terms and provisions of the Credit Agreement and the
other Loan Documents are ratified and confirmed and shall continue in full force
and effect. Parent, Borrower, Agent, and the Lenders agree that the Credit
Agreement as amended hereby and the other Loan Documents shall continue to be
legal, valid, binding, and enforceable in accordance with their respective
terms.

         Section 6.2 Representations and Warranties. Each of Parent and Borrower
hereby represents and warrants to Agent and the Lenders that (a) the execution,
delivery, and performance of this Amendment and any and all other Loan Documents
executed and/or delivered in connection herewith have been authorized by all
requisite action on the part of Parent and Borrower and will not violate the
articles of incorporation or bylaws of Parent or Borrower, (b) the
representations and warranties contained in the Credit Agreement, as amended
hereby, and any other Loan Document are true and correct on and as of the date
hereof as though made on and as of the date hereof (except to

CONSENT, WAIVER AND THIRD
AMENDMENT TO CREDIT AGREEMENT - Page 17
<PAGE>

the extent that such representations and warranties were expressly, in the
Credit Agreement, made only in reference to a specific date), (c) after giving
effect to this Amendment, no Default or Event of Default has occurred and is
continuing, and (d) each of Parent and Borrower is in full compliance with all
covenants and agreements contained in the Credit Agreement, as amended hereby,
and the other Loan Documents.

                                    ARTICLE 7

                              Loan Party Agreements

         Section 7.1 Release and Waiver. To induce Agent and the Lenders to
agree to the terms of this Amendment, Borrower, Parent and each other Loan Party
(by its execution of this Amendment or the Reaffirmation of Guaranty and Pledge
and Security Agreement attached to this Amendment) represents and warrants that
as of the date of its execution of this Amendment there are no claims or offsets
against or defenses or counterclaims to its obligations under the Loan Documents
and in accordance therewith it:

                  (a) WAIVER. WAIVES ANY AND ALL SUCH CLAIMS, OFFSETS, DEFENSES
         OR COUNTERCLAIMS, WHETHER KNOWN OR UNKNOWN, ARISING PRIOR TO THE DATE
         OF THIS AMENDMENT AND

                  (b) RELEASE. RELEASES AND DISCHARGES AGENT AND THE LENDERS,
         AND THEIR RESPECTIVE OFFICERS, DIRECTORS, EMPLOYEES, AGENTS,
         SHAREHOLDERS, AFFILIATES, AND ATTORNEYS (COLLECTIVELY THE "RELEASED
         PARTIES") FROM ANY AND ALL OBLIGATIONS, INDEBTEDNESS, LIABILITIES,
         CLAIMS, RIGHTS, CAUSES OF ACTION, OR DEMANDS WHATSOEVER, WHETHER KNOWN
         OR UNKNOWN, SUSPECTED OR UNSUSPECTED, IN LAW OR EQUITY, WHICH BORROWER,
         PARENT, OR ANY OTHER LOAN PARTY EVER HAD, NOW HAS, CLAIMS TO HAVE, OR
         MAY HAVE AGAINST ANY RELEASED PARTY ARISING PRIOR TO THE DATE HEREOF
         AND FROM OR IN CONNECTION WITH THE LOAN DOCUMENTS OR THE TRANSACTIONS
         CONTEMPLATED THEREBY.

         Section 7.2 Amendment and Other Fees. In consideration of the consents,
waivers, and amendments contained herein and in addition to any fees payable
under the Credit Agreement, Borrower hereby agrees (a) on or before November 30,
2002 (unless the Credit Agreement shall have been terminated and all Obligations
thereunder shall have been paid in full on or before such date), to pay to
Agent, for the ratable benefit of each Lender providing to Agent its signature
page to this Amendment on or before 12:00 noon (Dallas, Texas time) May 29,
2002, an availability fee of $50,000 (such fee to be allocated to such Lenders
pro rata based on the amount of each such Lender's Commitment), and (b) on the
Amendment Date and on or before the last Business Day of each month after the
Amendment Date beginning June 30, 2002, to Agent for its own account, a
collateral monitoring fee equal to (i) for the months of May, June, and July,
2002, $5,000 and (ii) for

CONSENT, WAIVER AND THIRD
AMENDMENT TO CREDIT AGREEMENT - Page 18
<PAGE>

each month thereafter (until such time that the Credit Agreement shall have been
terminated and all Obligations thereunder shall have been paid in full),
$10,000.

                                    ARTICLE 8

                                  Miscellaneous

         Section 8.1 Survival of Representations and Warranties. All
representations and warranties made in this Amendment or any other Loan Document
including any Loan Document furnished in connection with this Amendment shall
survive the execution and delivery of this Amendment and the other Loan
Documents, and no investigation by Agent or any Lender shall affect the
representations and warranties or the right of Agent or any Lender to rely upon
them.

         Section 8.2 Reference to Credit Agreement. Each of the Loan Documents,
including the Credit Agreement and any and all other agreements, documents, or
instruments now or hereafter executed and delivered pursuant to the terms hereof
or pursuant to the terms of the Credit Agreement as amended hereby, are hereby
amended so that any reference in such Loan Documents to the Credit Agreement
shall mean a reference to the Credit Agreement as amended hereby.

         Section 8.3 Severability. Any provision of this Amendment held by a
court of competent jurisdiction to be invalid or unenforceable shall not impair
or invalidate the remainder of this Amendment and the effect thereof shall be
confined to the provision so held to be invalid or unenforceable.

         Section 8.4 Applicable Law. THIS AMENDMENT SHALL BE GOVERNED BY AND
CONSTRUED IN ACCORDANCE WITH THE LAWS OF THE STATE OF TEXAS AND THE APPLICABLE
LAWS OF THE U.S.

         Section 8.5 Successors and Assigns. This Amendment is binding upon and
shall inure to the benefit of Parent, Borrower, Agent, and the Lenders and their
respective successors and assigns, except neither Parent nor Borrower may assign
or transfer any of its respective rights or obligations hereunder without the
prior written consent of the Lenders.

         Section 8.6 Counterparts. This Amendment may be executed in one or more
counterparts, and on telecopy counterparts each of which when so executed shall
be deemed to be an original, but all of which when taken together shall
constitute one and the same agreement.

         Section 8.7 Effect of Amendment. No consent or waiver, express or
implied, by Agent or any Lender to or for any breach of or deviation from any
covenant, condition, or duty by Parent, Borrower, or any other Loan Party shall
be deemed a consent or waiver to or of any other breach of the same or any other
covenant, condition, or duty.

         Section 8.8 Headings. The headings, captions, and arrangements used in
this Amendment are for convenience only and shall not affect the interpretation
of this Amendment.

CONSENT, WAIVER AND THIRD
AMENDMENT TO CREDIT AGREEMENT - Page 19
<PAGE>

         Section 8.9 Entire Agreement. THIS AMENDMENT AND ALL OTHER INSTRUMENTS,
DOCUMENTS, AND AGREEMENTS EXECUTED AND DELIVERED IN CONNECTION WITH THIS
AMENDMENT EMBODY THE FINAL, ENTIRE AGREEMENT AMONG THE PARTIES HERETO AND
SUPERSEDE ANY AND ALL PRIOR COMMITMENTS, AGREEMENTS, REPRESENTATIONS, AND
UNDERSTANDINGS, WHETHER WRITTEN OR ORAL, RELATING TO THIS AMENDMENT, AND MAY NOT
BE CONTRADICTED OR VARIED BY EVIDENCE OF PRIOR, CONTEMPORANEOUS, OR SUBSEQUENT
ORAL AGREEMENTS OR DISCUSSIONS OF THE PARTIES HERETO. THERE ARE NO ORAL
AGREEMENTS AMONG THE PARTIES HERETO.

                  [remainder of page intentionally left blank]

CONSENT, WAIVER AND THIRD
AMENDMENT TO CREDIT AGREEMENT - Page 20
<PAGE>

         IN WITNESS WHEREOF, the parties hereto have executed and delivered this
Amendment effective as of the date first written above.

                                        BORROWER:

                                        BRITE VOICE SYSTEMS, INC. (successor
                                        by merger to InterVoice Acquisition
                                        Subsidiary III, Inc.)

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

CONSENT, WAIVER AND THIRD
AMENDMENT TO CREDIT AGREEMENT - Page 21
<PAGE>

                                        PARENT:

                                        INTERVOICE-BRITE, INC. (formerly
                                        InterVoice, Inc.)

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

CONSENT, WAIVER AND THIRD
AMENDMENT TO CREDIT AGREEMENT - Page 22
<PAGE>

                                        AGENT and ISSUING BANK:

                                        BANK OF AMERICA, NATIONAL ASSOCIATION
                                        (successor by merger to Bank of America
                                        National Trust and Savings Association),
                                        as Agent

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

CONSENT, WAIVER AND THIRD
AMENDMENT TO CREDIT AGREEMENT - Page 23
<PAGE>

                                        LENDERS:

                                        BANK OF AMERICA, NATIONAL ASSOCIATION
                                        (successor by merger to Bank of America
                                        National Trust and Savings Association)

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

CONSENT, WAIVER AND THIRD
AMENDMENT TO CREDIT AGREEMENT - Page 24
<PAGE>

                                        BANK ONE, TEXAS, N.A.

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

CONSENT, WAIVER AND THIRD
AMENDMENT TO CREDIT AGREEMENT - Page 25
<PAGE>

                                        U.S. BANK NATIONAL ASSOCIATION

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

CONSENT, WAIVER AND THIRD
AMENDMENT TO CREDIT AGREEMENT - Page 26
<PAGE>

                                        FLEET NATIONAL BANK

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

CONSENT, WAIVER AND THIRD
AMENDMENT TO CREDIT AGREEMENT - Page 27
<PAGE>

                                        IBM CREDIT CORPORATION

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

CONSENT, WAIVER AND THIRD
AMENDMENT TO CREDIT AGREEMENT - Page 28
<PAGE>

                                        UNION BANK OF CALIFORNIA, N.A.

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

CONSENT, WAIVER AND THIRD
AMENDMENT TO CREDIT AGREEMENT - Page 29
<PAGE>

                                        THE BANK OF NOVA SCOTIA

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

CONSENT, WAIVER AND THIRD
AMENDMENT TO CREDIT AGREEMENT - Page 30
<PAGE>

                                        BANK AUSTRIA CREDITANSTALT CORPORATE
                                        FINANCE, INC.

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

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

CONSENT, WAIVER AND THIRD
AMENDMENT TO CREDIT AGREEMENT - Page 31
<PAGE>

                                        COMERICA BANK

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

CONSENT, WAIVER AND THIRD
AMENDMENT TO CREDIT AGREEMENT - Page 32
<PAGE>

           REAFFIRMATION OF GUARANTY AND PLEDGE AND SECURITY AGREEMENT

         Each of the undersigned hereby (a) consents to the execution and
delivery of the Consent, Waiver, and Third Amendment to Credit Agreement to
which this Reaffirmation of Guaranty and Pledge and Security Agreement is
attached (the "Amendment") by the parties thereto, (b) AGREES TO THE WAIVER AND
RELEASE CONTAINED IN SECTION 7.1 OF THE AMENDMENT, (c) agrees that the Amendment
shall not limit or diminish the obligations of each of the undersigned under
their certain Loan Documents delivered in connection with the Credit Agreement,
executed or joined in by each of the undersigned and delivered to Agent, (d)
reaffirms its obligations under each of such Loan Documents, and (e) agrees that
each of such Loan Documents remains in full force and effect and is hereby
ratified and confirmed.

Dated effective as of May 29, 2002.

                                        INTERVOICE GP, INC.

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

                                        INTERVOICE LP, INC.

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

                                        INTERVOICE ACQUISITION SUBSIDIARY, INC.

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

CONSENT, WAIVER AND THIRD
AMENDMENT TO CREDIT AGREEMENT - Page 33
<PAGE>

                                        INTERVOICE ACQUISITION SUBSIDIARY II,
                                        INC.

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

                                        INTERVOICE LIMITED PARTNERSHIP

                                        By: InterVoice GP, Inc.

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

                                        BVSI, INC.

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

                                        BVS INVESTCO, INC.

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

CONSENT, WAIVER AND THIRD
AMENDMENT TO CREDIT AGREEMENT - Page 34
<PAGE>

                                     ANNEX A
                                       TO
            CONSENT, WAIVER, AND THIRD AMENDMENT TO CREDIT AGREEMENT

                       Junior Financing Transaction Terms

Source: [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00039-of-00352.parquet"}, [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00039-of-00352.parquet"}], [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00039-of-00352.parquet"}]]