Document:

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                                 EXHIBIT 10.10.1

                                 AMENDMENT NO. 1
                                     TO THE
                          ACCESS ANYTIME BANCORP, INC.
                       NON-EMPLOYEE DIRECTOR RETAINER PLAN

         THIS AMENDMENT NO. 1 made by Access Anytime Bancorp, Inc. (the
"Company") this 26th day of April, 2001.

         WHEREAS, the Access Anytime Bancorp, Inc. Non-Employee Director
Retainer Plan (hereinafter referred to as the "Plan") was approved by the
Company's shareholders on May 30, 1997, and became effective on that date; and

         WHEREAS, the Company reserves the right to amend the Plan pursuant to
Section 6.4; and

         WHEREAS, the Company desires to amend the Plan to provide that
non-employee directors of subsidiaries or affiliates may be participants in the
Plan and to make necessary conforming amendments, which amendment shall become
effective upon approval by the Company's shareholders;

         NOW THEREFORE, the Company hereby amends the Plan as follows:

         ITEM 1.   Section 1.3(c) of the Plan shall be modified to read as
follows:

               1.3(c) "Compensation" means the sum of (i) the meeting fee a
               Participant earns for services rendered as a member of the
               Board or a board of an Approved Subsidiary and (ii) the
               meeting fee a Participant earns for services rendered on each
               committee of the Board or a board of an Approved Subsidiary on
               which a Participant serves.

         ITEM 2.   Section 1.3(f) of the Plan shall be modified as follows:

               1.3(f) "Participant" means each non-employee member of the
               Board or of a board of an Approved Subsidiary.

         ITEM 3.   Section 1.3 of the Plan shall be modified as by adding new
Section 1.3(i) thereto as follows:

               1.3(i) "Approved Subsidiary" means any affiliate or subsidiary
               of the Company (a) which the Company's Board of Directors may
               from time to time determine to bring under the Plan, and (b)
               whose own board of directors may also approve the Plan.

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         ITEM 4.   Section 5.1 of the Plan shall be modified as follows:

               5.1 Cessation from Board. Within ten (10) days from the date a
               Participant for any reason no longer serves on any board of
               the Company or of an Approved Subsidiary, the Company shall
               deliver a certificate or certificates to such Participant for
               a number of shares of Common Stock equal to the total number
               of Stock Units (rounded up to the nearest whole Stock Unit) in
               such Participant's Account as of the date the Participant's
               service ceased.

         ITEM 5.   Except as hereinabove amended, the Company hereby readopts
and redeclares each and every provision of the Plan.

         IN WITNESS WHEREOF, Access Anytime Bancorp, Inc. has caused this
Amendment No. 1 to the Non-Employee Director Retainer Plan to be executed by an
authorized officer as of the date and year first above written.

                                       ACCESS ANYTIME BANCORP, INC.

                                       By /s/ Norm Corzine
                                         ------------------------------------
                                          Chairman of the Board

                                       2<PAGE>

           RENEWAL, EXTENSION, AND THIRD AMENDMENT TO LOAN AGREEMENT

     THIS RENEWAL, EXTENSION, AND THIRD AMENDMENT TO LOAN AGREEMENT (this
"AMENDMENT") is entered into to be effective as of June 15, 2001, between INET
TECHNOLOGIES, INC., a Delaware corporation ("BORROWER"), successor by merger to
INET, Inc., a Texas corporation, and BANK OF AMERICA, N.A., f/k/a NationsBank,
N.A., a national banking association, successor in interest by merger to
NationsBank of Texas, N.A. ("LENDER").

                                 R E C I T A L S

     1.   Borrower and Lender are parties to that certain Loan Agreement (as
modified, amended, renewed, extended, and restated from time to time, the "LOAN
AGREEMENT") dated as of June 26, 1997 providing for a revolving credit and
letter of credit facility in the amount of $10,000,000.00.

     2.   Borrower executed that certain Renewal Promissory Note dated as of
June 15, 2000, payable to the order of Lender in the original principal amount
of $10,000,000.00 (the "NOTE"), which Note was in renewal, extension, and
replacement of that certain Substitute Promissory Note dated as of July 16,
1998, payable to the order of Lender in the original principal amount of
$10,000,000.00, which Note was in substitution and replacement of that certain
Renewal Promissory Note dated as of June 15, 1998, executed by Borrower and
payable to the order of Lender in the original principal amount of
$10,000,000.00, which Note was in renewal, extension, and replacement, but not
extinguishment, of that certain Promissory Note dated June 26, 1997, executed by
Borrower and payable to the order of Lender in the original principal amount of
$10,000,000.00.

     3.   The parties hereto desire to amend the Loan Agreement subject to the
terms and conditions set forth herein.

     NOW, THEREFORE, for good and valuable consideration, the receipt and
sufficiency of which are hereby acknowledged, Borrower and Lender agree as
follows:

     1.   TERMS AND REFERENCES. Unless otherwise stated in this Amendment (a)
terms defined in the Loan Agreement have the same meanings when used in this
Amendment, and (b) references to "SECTIONS" are to the Loan Agreement's
sections.

     2.   AMENDMENTS TO THE LOAN AGREEMENT.

     (a)  SECTION 1 of the Loan Agreement is hereby amended to delete the
definition of "TERMINATION DATE" in its entirety and to replace such definition
with the following:

          "TERMINATION DATE" means the earlier of (a) August 14, 2001, or (b)
     the date Lender's commitment to fund advances hereunder is terminated
     pursuant to SECTION 7.

     3.   RENEWAL NOTE. Borrower shall execute a Renewal Promissory Note dated
effective as of the date hereof, and payable to the order of Lender in the
original principal amount of $10,000,000.00 (the "RENEWAL NOTE"), which Renewal
Note is in renewal, extension, and replacement, and not extinguishment, of the
Note.
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     4.   AMENDMENTS TO OTHER LOAN DOCUMENTS.

     (a)  All references in the Loan Documents to the Loan Agreement shall
henceforth include references to the Loan Agreement, as modified and amended
hereby, and as may, from time to time, be further amended, modified, extended,
renewed, and/or increased. All references in the Loan Documents to the Note
shall henceforth include references to the Renewal Note as such Renewal Note
may, from time to time, be further amended, modified, extended, renewed, and/or
increased.

     (b)  Any and all of the terms and provisions of the Loan Documents are
hereby amended and modified wherever necessary, even though not specifically
addressed herein, so as to conform to the amendments and modifications set forth
herein.

     5.   RATIFICATIONS. Borrower (a) ratifies and confirms all provisions of
the Loan Documents as amended by this Amendment and the Renewal Note, (b)
ratifies and confirms that all guaranties, assurances, and liens granted,
conveyed, or assigned to Lender under the Loan Documents are not released,
reduced, or otherwise adversely affected by this Amendment and the Renewal Note
and continue to guarantee, assure, and secure full payment and performance of
the present and future Loans, and (c) agrees to perform such acts and duly
authorize, execute, acknowledge, deliver, file, and record such additional
documents, and certificates as Lender may request in order to create, perfect,
preserve, and protect those guaranties, assurances, and liens.

     6.   REPRESENTATIONS. Borrower represents and warrants to Lender that as of
the date of this Amendment: (a) this Amendment, the Renewal Note, and the other
Loan Documents to be delivered under this Amendment have been duly authorized,
executed, and delivered by Borrower and each Guarantor; (b) no action of, or
filing with, any governmental authority is required to authorize, or is
otherwise required in connection with, the execution, delivery, and performance
by Borrower or the Guarantors of this Amendment and the Renewal Note; (c) the
Loan Documents, as amended by this Amendment and the Renewal Note, are valid and
binding upon Borrower and each Guarantor and are enforceable against Borrower
and each Guarantor in accordance with their respective terms; (d) the execution,
delivery, and performance by Borrower and each Guarantor of this Amendment and
the Renewal Note do not require the consent of any other person and do not and
will not constitute a violation of any laws, agreements, or understandings to
which Borrower or any Guarantor is a party or by which Borrower or any Guarantor
is bound; (e) all representations and warranties in the Loan Documents are true
and correct in all material respects except to the extent that (i) any of them
speak to a different specific date, or (ii) the facts on which any of them were
based have been changed by transactions contemplated or permitted by the Loan
Agreement; and (f) after giving effect to this Amendment and the Renewal Note,
no Potential Default or Event of Default exists.

     7.   CONTINUED EFFECT. Except to the extent amended hereby, all terms,
provisions and conditions of the Loan Agreement and the other Loan Documents,
and all documents executed in connection therewith, shall continue in full force
and effect and shall remain enforceable and binding in accordance with their
respective terms.

     8.   CONDITIONS PRECEDENT. This Amendment and the Renewal Note shall not be
effective unless and until: (a) Lender receives counterparts of this Amendment
and the Renewal Note executed by each party

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listed below; and (b) the representations and warranties in this Amendment are
true and correct in all material respects on and as of the date of this
Amendment.

     9.   MISCELLANEOUS. Unless stated otherwise (a) the singular number
includes the plural and VICE VERSA and words of any gender include each other
gender, in each case, as appropriate, (b) headings and captions may not be
construed in interpreting provisions, (c) this Amendment must be construed --
and its performance enforced -- under Texas law, (d) if any part of this
Amendment is for any reason found to be unenforceable, all other portions of it
nevertheless remain enforceable, and (e) this Amendment may be executed in any
number of counterparts with the same effect as if all signatories had signed the
same document, and all of those counterparts must be construed together to
constitute the same document.

     10.  ENTIRETIES. THE LOAN AGREEMENT AS AMENDED BY THIS AMENDMENT REPRESENTS
THE FINAL AGREEMENT BETWEEN THE PARTIES ABOUT THE SUBJECT MATTER OF THE LOAN
AGREEMENT AS AMENDED BY THIS AMENDMENT AND MAY NOT BE CONTRADICTED BY EVIDENCE
OF PRIOR, CONTEMPORANEOUS, OR SUBSEQUENT ORAL AGREEMENTS OF THE PARTIES. THERE
ARE NO UNWRITTEN ORAL AGREEMENTS BETWEEN THE PARTIES.

     11.  PARTIES. This Amendment binds and inures to Borrower and Lender, and
their respective successors and permitted assigns.

     [REMAINDER OF PAGE INTENTIONALLY LEFT BLANK; SIGNATURE PAGES TO FOLLOW]

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     EXECUTED as of the date first stated above.

                                BORROWER:

                                INET TECHNOLOGIES, INC., a Delaware corporation

                                By: /s/ Jeffrey A. Kupp
                                    --------------------------------------
                                    Name: Jeffrey A. Kupp
                                         ---------------------------------
                                    Title: CFO
                                          --------------------------------

                                LENDER:

                                BANK OF AMERICA, N.A., f/k/a NationsBank, N.A.,
                                a national banking association, successor in
                                interest by merger to NationsBank of Texas, N.A.

                                By: /s/ Steven A. Mackenzie
                                    --------------------------------------
                                    Name: Steven A. Mackenzie
                                         ---------------------------------
                                    Title: Vice-President
                                          --------------------------------

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     To induce Lender to enter into this Amendment and the Renewal Note, each of
the undersigned jointly and severally (a) consent and agree to this Amendment's
and the Renewal Note's execution and delivery, (b) ratify and confirm that all
guaranties, assurances, and liens granted, conveyed, or assigned to Lender under
the Loan Documents are not released, diminished, impaired, reduced, or otherwise
adversely affected by this Amendment or the Renewal Note and continue to
guarantee, assure, and secure the full payment and performance of all present
and future Loans, (c) agree to perform such acts and duly authorize, execute,
acknowledge, deliver, file, and record such additional guaranties, assignments,
security agreements, deeds of trust, mortgages, and other agreements, documents,
instruments, and certificates as Lender may reasonably deem necessary or
appropriate in order to create, perfect, preserve, and protect those guaranties,
assurances, and liens, and (d) waive notice of acceptance of this consent and
agreement, which consent and agreement binds the undersigned and their
successors and permitted assigns and inures to Lender and their respective
successors and permitted assigns.

                                   INET FOREIGN SALES CORPORATION, a corporation
                                   organized under the laws of Barbados

                                   By: /s/ Jeffrey A. Kupp
                                      --------------------------------------
                                      Name:  Jeffrey A. Kupp
                                           ---------------------------------
                                      Title: Director
                                            --------------------------------

                                   INET GLOBAL, LTD., a corporation organized
                                   under the laws of the United Kingdom

                                   By:  /s/ Jeffrey A. Kupp
                                      --------------------------------------
                                      Name:  Jeffrey A. Kupp
                                           ---------------------------------
                                      Title: Director
                                            --------------------------------

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