Document:

<PAGE>

                                                                    EXHIBIT 10.3

                 WAIVER AND FIRST AMENDMENT TO CREDIT AGREEMENT

         THIS WAIVER AND FIRST AMENDMENT TO CREDIT AGREEMENT (the "First
Amendment") dated as of August 20, 2002, by and among KPMG CONSULTING, INC.,
a Delaware corporation (the "Borrower"), the Guarantors, the Banks, and PNC
BANK, NATIONAL ASSOCIATION, as Administrative Agent.

                              W I T N E S S E T H:

         WHEREAS, the parties hereto are parties to that certain Credit
Agreement dated as of May 29, 2002 (as heretofore amended, supplemented,
restated or modified, the "Credit Agreement") by and among the Borrower, the
Banks, the Guarantors, and PNC Bank, National Association, as Administrative
Agent, and desire to further amend the terms thereof as set forth herein; and

         WHEREAS, the Borrower is a party to that certain Share Purchase
Agreement dated as of June 08, 2002 (the "Share Purchase Agreement") among KPMG
Deutsche Treuhand-Gesellschaft Aktiengesellschaft,
Wirtschaftsprufungsgesellschaft ("KPMG DTG"), the other "Minority Shareholders"
referred to therein (collectively KPMG DTG and such Minority Shareholders are
referred to as the "Sellers"), and the Borrower, as the Purchaser, relating to
the sale and transfer by the Sellers to the Purchaser of the shares of KPMG
Consulting Aktiengesellschaft, a company organized under the laws of the Federal
Republic of Germany ("KPMG Consulting AG");

         WHEREAS, the Sellers have delivered to the Borrower audited financial
statements of KPMG Consulting AG dated as of March 31, 2002 (the "KPMG
Consulting AG Financial Statements");

         WHEREAS, the third sentence in Clause (vii) of Section 7.2.6
[Liquidations, Mergers, Consolidations, Acquisitions] of the Credit Agreement
provides in part as follows:

                  "In connection with calculations of the covenants in Sections
         7.2.16 [Maximum Facility Usage] through 7.2.19 [Minimum Net Worth], the
         Loan Parties shall include income statement and other cash flow
         statement items of the acquired Person or business for periods prior to
         the date of the acquisition and shall have delivered the financial
         statements of such Person or business (which shall not be older than
         135 days prior to the date of such acquisition) and pro forma combined
         computations of such covenants to the Banks"

         WHEREAS, the parties to the Share Purchase Agreement expect that the
closing thereunder shall occur after the date which is 135 days following March
31, 2002;

         WHEREAS, the parties to the Credit Agreement desire to amend the
language in the third sentence in Clause (vii) of Section 7.2.6 of the Credit
Agreement quoted above which now reads "135 days" to read "180 days", solely for
the purpose of the acquisition by the

<PAGE>

Borrower of the shares KPMG Consulting AG under the Share Purchase Agreement and
subject to the terms and conditions set forth herein; and

         WHEREAS, defined terms used herein unless otherwise defined herein
shall have the meanings ascribed to them in the Credit Agreement.

[KCI: Please review the foregoing recitals and confirm that they are correct.]

         NOW, THEREFORE, the parties hereto, in consideration of their mutual
covenants and agreements hereinafter set forth and intending to be legally bound
hereby, covenant and agree as follows:

         1.       Amendment to Clause (vii) of Section 7.2.6 [Liquidations,
                  Mergers, Consolidations, Acquisitions] of the Credit
                  Agreement.

                  Solely for the purpose of the acquisition by the Borrower of
the shares KPMG Consulting AG under the Share Purchase Agreement (the "KPMG
Consulting AG Acquisition"), the words "135 days" contained in the third
sentence of Clause (vii) of Section 7.2.6 of the Credit Agreement, are hereby
amended to read "180 days". It is acknowledged that the foregoing amendment (1)
applies only to the delivery by the Borrower of the KPMG Consulting AG Financial
Statements in connection with the KPMG Consulting AG Acquisition and shall not
apply to, or govern, the delivery of any other financial statements delivered by
the Borrower in connection with any other acquisition or transaction, and (2) is
subject to the covenants and warranties in Section 2 hereof and the other terms
and conditions hereof.

         2.       Representations, Warranties and covenants.

                  The Loan Parties hereby represent, warrant and covenant to the
Banks as follows:

                  (a) The KPMG Consulting AG Acquisition is and shall be at
closing a Permitted Acquisition under the Credit Agreement and does not and will
not through and after the closing thereof violate the terms of Section 7.2.6
[Liquidations, Mergers, Consolidations, Acquisitions]or any other provisions of
the Credit Agreement;

                  (b) The recitals hereto are true and correct;

                  (c) The representations and warranties of Loan Parties
contained in the Credit Agreement are true and correct on and as of the date
hereof with the same force and effect as though made by the Loan Parties on such
date, except to the extent that any such representation or warranty expressly
relates solely to a previous date in which case such representations and
warranties are true and correct as of such date; and

                  (d) The Loan Parties are in compliance with all terms,
conditions, provisions, and covenants contained in the Credit Agreement; and the
execution, delivery, and performance of this First Amendment have been duly
authorized by all necessary corporate action, require no governmental approval,
and will not contravene, conflict with, nor result in the breach of any law,
charter, articles, or certificate of incorporation, bylaws, or agreement

                                      -2-

<PAGE>

governing or binding upon the Loan Parties or any of their property; and no
Event of Default or Potential Default has occurred and is continuing or would
result from the making of this First Amendment.

         3.       Conditions to Effectiveness.

         This First Amendment shall not be effective until the Required Banks,
the Administrative Agent, the Borrower and the other Loan Parties shall have
executed and delivered to the Administrative Agent signature pages hereto.

         4.       Amendment.

         Any reference to the Credit Agreement or other Loan Documents in any
document, instrument, or agreement shall hereafter mean and include the Credit
Agreement or such Loan Document, including exhibits thereto, as amended hereby.
In the event of any irreconcilable inconsistency between the terms or provisions
hereof and the terms or provisions of the Credit Agreement or such Loan
Document, including such exhibits, the terms and provisions hereof shall
control.

         5.       Force and Effect.

         The Loan Parties reconfirm, restate, and ratify the Credit Agreement
and all other documents executed in connection therewith and the Loan Parties
confirm that all such documents have remained in full force and effect since the
date of their execution except to the extent that the Credit Agreement is
expressly modified by this First Amendment.

         6.       Governing Law.

         This First Amendment shall be deemed to be a contract under the laws of
the State of New York and for all purposes shall be governed by and construed
and enforced in accordance with the internal laws of the State of New York
without regard to its conflict of laws principles.

         7.       Counterparts; Effective Date.

         This First Amendment may be signed in any number of counterparts each
of which shall be deemed an original, but all of which together shall constitute
one and the same instrument.

                                      -3-

<PAGE>

   [SIGNATURE PAGE 1 OF 15 TO WAIVER AND FIRST AMENDMENT TO CREDIT AGREEMENT]

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

                  BORROWER:

                  KPMG CONSULTING, INC.

                           By:                                            (SEAL)
                              --------------------------------------------
                           Name:
                           Title:

                                    GUARANTORS:

                  KPMG CONSULTING, LLC

                           By:                                            (SEAL)
                              --------------------------------------------
                           Name:
                           Title:

                  KPMG CONSULTING ISRAEL, LLC

                           By:                                            (SEAL)
                              --------------------------------------------
                           Name:
                           Title:

                  SOFTLINE ACQUISITION CORP.

                           By:                                            (SEAL)
                              --------------------------------------------
                           Name:
                           Title:

                  KPMG CONSULTING GLOBAL OPERATIONS, INC.

                           By:                                            (SEAL)
                              --------------------------------------------
                           Name:
                           Title:

<PAGE>

   [SIGNATURE PAGE 2 OF 15 TO WAIVER AND FIRST AMENDMENT TO CREDIT AGREEMENT]

                  SOFTLINE CONSULTING & INTEGRATORS, INC.

                           By:                                            (SEAL)
                              --------------------------------------------
                           Name:
                           Title:

                  I2 MIDATLANTIC LLC

                           By:                                            (SEAL)
                              --------------------------------------------
                           Name:
                           Title:

                  I2 NORTHWEST LLC

                           By:                                            (SEAL)
                              --------------------------------------------
                           Name:
                           Title:

                  OAD ACQUISITION CORP.

                           By:                                            (SEAL)
                              --------------------------------------------
                           Name:
                           Title:

                  KPMG ENTERPRISE INTEGRATION SERVICES LLC

                           By:                                            (SEAL)
                              --------------------------------------------
                           Name:
                           Title:

                  KCIN CAPITAL LLC

                           By:                                            (SEAL)
                              --------------------------------------------
                           Name:
                           Title:

<PAGE>

   [SIGNATURE PAGE 3 OF 15 TO WAIVER AND FIRST AMENDMENT TO CREDIT AGREEMENT]

                  OAD GROUP, INC.

                           By:                                            (SEAL)
                              --------------------------------------------
                           Name:
                           Title:

                  METRIUS, INC.

                           By:                                            (SEAL)
                              --------------------------------------------
                           Name:
                           Title:

                  PEATMARWICK, INC.

                           By:                                            (SEAL)
                              --------------------------------------------
                           Name:
                           Title:

                  KPMG ENTERPRISE HOLDINGS LLC

                           By:                                            (SEAL)
                              --------------------------------------------
                           Name:
                           Title:

                  GLOBAL CONSULTING DE, LLC

                           By:                                            (SEAL)
                              --------------------------------------------
                           Name:
                           Title:

                  KPMG CONSULTING INTERNATIONAL, INC.

                           By:                                            (SEAL)
                              --------------------------------------------
                           Name:
                           Title:

<PAGE>

   [SIGNATURE PAGE 4 OF 15 TO WAIVER AND FIRST AMENDMENT TO CREDIT AGREEMENT]

                 KPMG SOUTH PACIFIC, LLC

                          By:                                            (SEAL)
                             --------------------------------------------
                          Name:
                          Title:

                 KPMG CONSULTING AMERICAS, INC.

                          By:                                            (SEAL)
                             --------------------------------------------
                          Name:
                          Title:

                 BARENTS GROUP, L.L.C.

                          By:                                            (SEAL)
                             --------------------------------------------
                          Name:
                          Title:

                 PELOTON HOLDINGS, L.L.C.

                          By:                                            (SEAL)
                             --------------------------------------------
                          Name:
                          Title:

<PAGE>

   [SIGNATURE PAGE 5 OF 15 TO WAIVER AND FIRST AMENDMENT TO CREDIT AGREEMENT]

                  BARENTS EUROPEAN HOLDINGS, L.L.C.

                           By:                                            (SEAL)
                              --------------------------------------------
                           Name:
                           Title:

                  K CONSULTING SOUTHEAST ASIA, L.L.C.

                           By:                                            (SEAL)
                              --------------------------------------------
                           Name:
                           Title:

                  BARENTS GROUP RUSSIA, L.L.C.

                           By:                                            (SEAL)
                              --------------------------------------------
                           Name:
                           Title:

<PAGE>

   [SIGNATURE PAGE 6 OF 15 TO WAIVER AND FIRST AMENDMENT TO CREDIT AGREEMENT]

                          PNC BANK, NATIONAL ASSOCIATION,
                          individually and as Administrative Agent

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

<PAGE>
   [SIGNATURE PAGE 7 OF 15 TO WAIVER AND FIRST AMENDMENT TO CREDIT AGREEMENT]

                          JPMORGAN CHASE BANK
                          individually and as Documentation Agent

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

<PAGE>

   [SIGNATURE PAGE 8 OF 15 TO WAIVER AND FIRST AMENDMENT TO CREDIT AGREEMENT]

                          BARCLAYS BANK PLC, individually and as Syndication
                          Agent

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

<PAGE>

   [SIGNATURE PAGE 9 OF 15 TO WAIVER AND FIRST AMENDMENT TO CREDIT AGREEMENT]

                                   SOCIETE GENERALE

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

<PAGE>

   [SIGNATURE PAGE 10 OF 15 TO WAIVER AND FIRST AMENDMENT TO CREDIT AGREEMENT]

                          SUNTRUST BANK, individually and as the Co-Agent

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

<PAGE>

   [SIGNATURE PAGE 11 OF 15 TO WAIVER AND FIRST AMENDMENT TO CREDIT AGREEMENT]

                          BANK OF AMERICA, N.A., individually and as
                          Documentation Agent

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

<PAGE>

   [SIGNATURE PAGE 12 OF 15 TO WAIVER AND FIRST AMENDMENT TO CREDIT AGREEMENT]

                         THE NORTHERN TRUST COMPANY

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

<PAGE>

   [SIGNATURE PAGE 13 OF 15 TO WAIVER AND FIRST AMENDMENT TO CREDIT AGREEMENT]

                         WESTPAC BANKING CORPORATION

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

<PAGE>

   [SIGNATURE PAGE 14 OF 15 TO WAIVER AND FIRST AMENDMENT TO CREDIT AGREEMENT]

                          MELLON BANK, N.A.

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

<PAGE>

   [SIGNATURE PAGE 15 OF 15 TO WAIVER AND FIRST AMENDMENT TO CREDIT AGREEMENT]

                          CITIBANK, N.A., individually and as Documentation
                          Agent

                          By:
                              -------------------------------------------------
                          Title:
                                -----------------------------------------------<PAGE>
                                                                    EXHIBIT 10.4

                                NOTICE AND WAIVER

      THIS NOTICE AND WAIVER (the "Waiver") dated as of September 30, 2002, by
and among KPMG CONSULTING, INC., a Delaware corporation (the "Borrower"), the
Guarantors, the Banks, and PNC BANK, NATIONAL ASSOCIATION, as Administrative
Agent.

                              W I T N E S S E T H:

      WHEREAS, the parties hereto are parties to that certain Credit Agreement
dated as of May 29, 2002 (as heretofore amended, supplemented, restated or
modified, the "Credit Agreement") by and among the Borrower, the Banks, the
Guarantors, and PNC Bank, National Association, as Administrative Agent; and

      WHEREAS, the Borrower proposes to change its name pursuant to a
transaction under Section 253(b) of the Delaware General Corporation Law as
follows: a newly formed wholly owned subsidiary of the Borrower shall merge into
the Borrower (with the Borrower being the surviving corporation) and
simultaneously therewith the Borrower shall change its name--such name to be
subsequently identified (the "Change of Name");

      WHEREAS, Section 7.2.13 (Changes in Organizational Documents) provides in
part as follows:

               "The Borrower shall not amend in any respect its certificate of
         incorporation . . without providing at least fifteen (15) calendar
         days' prior written notice to the Administrative Agent and the Banks
         and, in the event such change would be materially adverse to the Banks
         as reasonably determined by the Administrative Agent in its sole
         discretion, obtaining the prior written consent of the Required Banks";

      WHEREAS, the Borrower desires (1) to notify the Banks of the Change of
Name, (2) for the Banks to waive any requirement under Section 7.2.13 that such
notice be delivered 15 days prior to the effective date of such Change of Name,
and (3) for the Banks to approve of such Change of Name; and

      NOW, THEREFORE, the parties hereto, in consideration of their mutual
covenants and agreements hereinafter set forth and intending to be legally bound
hereby, covenant and agree as follows:

      1. Notice and Waiver.

      The Administrative Agent and the Banks hereby confirm (1) receipt of
notice of the Change of Name hereby, (2) that they waive any requirement under
Section 7.2.13 that such notice be delivered 15 days prior to the effective date
of such Change of Name, and (3) that they approve of such Change of Name
notwithstanding any restrictions in Section 7.2.13 or otherwise under the Credit
Agreement.

<PAGE>

      2. Notice of Consumation of Name Change.

      The Borrower shall notify the Banks and the Borrower that the Change of
Name has been consummated and of the new name of the Borrower within five (5)
days after the effective date thereof.

      3. Representations, Warranties and Other Covenants Regarding Change of
         Name.

      The Loan Parties represent, warrant and covenant that (1) the Borrower
shall be the surviving corporation under the Change of Name transaction
described above, (2) that the certificate of incorporation of the Borrower shall
not be modified in connection such transaction except for the change of name,
and (3) that the recitals hereto (including the description of the Change of
Name transaction therein) are true and correct. The parties hereto acknowledge
and confirm that all references to the Borrower under the Loan Documents shall
be deemed to be to the Borrower under its new name after the effective date of
the Change of Name.

      4. Conditions to Effectiveness.

      This Waiver shall be effective when the Required Banks, the Administrative
Agent, the Borrower and the other Loan Parties shall have executed and delivered
to the Administrative Agent signature pages hereto.

      5. Force and Effect.

      The Loan Parties reconfirm, restate, and ratify the Credit Agreement and
all other documents executed in connection therewith and the Loan Parties
confirm that all such documents have remained in full force and effect since the
date of their execution except to the extent that the Credit Agreement is
expressly modified by this Waiver.

      6. Governing Law.

      This Waiver shall be deemed to be a contract under the laws of the State
of New York and for all purposes shall be governed by and construed and enforced
in accordance with the internal laws of the State of New York without regard to
its conflict of laws principles.

      7. Counterparts; Effective Date.

      This Waiver may be signed in any number of counterparts each of which
shall be deemed an original, but all of which together shall constitute one and
the same instrument.

                                      -2-

<PAGE>

                  [SIGNATURE PAGE 1 OF 15 TO NOTICE AND WAIVER]

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

                  BORROWER:

                  KPMG CONSULTING, INC.

                       By:                                                (SEAL)
                          ------------------------------------------------
                       Name:
                       Title:

                           GUARANTORS:

                  KPMG CONSULTING, LLC

                       By:                                                (SEAL)
                          ------------------------------------------------
                       Name:
                       Title:

                  KPMG CONSULTING ISRAEL, LLC

                       By:                                                (SEAL)
                          ------------------------------------------------
                       Name:
                       Title:

                  SOFTLINE ACQUISITION CORP.

                       By:                                                (SEAL)
                          ------------------------------------------------
                       Name:
                       Title:

                  KPMG CONSULTING GLOBAL OPERATIONS, INC.

                       By:                                                (SEAL)
                          ------------------------------------------------
                       Name:
                       Title:

<PAGE>

                  [SIGNATURE PAGE 2 OF 15 TO NOTICE AND WAIVER]
                  SOFTLINE CONSULTING & INTEGRATORS, INC.

                       By:                                                (SEAL)
                          ------------------------------------------------
                       Name:
                       Title:

                  I2 MIDATLANTIC LLC

                       By:                                                (SEAL)
                          ------------------------------------------------
                       Name:
                       Title:

                  I2 NORTHWEST LLC

                       By:                                                (SEAL)
                          ------------------------------------------------
                       Name:
                       Title:

                  OAD ACQUISITION CORP.

                       By:                                                (SEAL)
                          ------------------------------------------------
                       Name:
                       Title:

                  KPMG ENTERPRISE INTEGRATION SERVICES LLC

                       By:                                                (SEAL)
                          ------------------------------------------------
                       Name:
                       Title:

                  KCIN CAPITAL LLC

                       By:                                                (SEAL)
                          ------------------------------------------------
                       Name:
                       Title:

<PAGE>

                  [SIGNATURE PAGE 3 OF 15 TO NOTICE AND WAIVER]

                  OAD GROUP, INC.

                       By:                                                (SEAL)
                          ------------------------------------------------
                       Name:
                       Title:

                  METRIUS, INC.

                       By:                                                (SEAL)
                          ------------------------------------------------
                       Name:
                       Title:

                  PEATMARWICK, INC.

                       By:                                                (SEAL)
                          ------------------------------------------------
                       Name:
                       Title:

                  KPMG ENTERPRISE HOLDINGS LLC

                       By:                                                (SEAL)
                          ------------------------------------------------
                       Name:
                       Title:

                  GLOBAL CONSULTING DE, LLC

                       By:                                                (SEAL)
                          ------------------------------------------------
                       Name:
                       Title:

                  KPMG CONSULTING INTERNATIONAL, INC.

                       By:                                                (SEAL)
                          ------------------------------------------------
                       Name:
                       Title:

<PAGE>
                  [SIGNATURE PAGE 4 OF 15 TO NOTICE AND WAIVER]

                  KPMG SOUTH PACIFIC, LLC

                       By:                                                (SEAL)
                          ------------------------------------------------
                       Name:
                       Title:

                  KPMG CONSULTING AMERICAS, INC.

                       By:                                                (SEAL)
                          ------------------------------------------------
                       Name:
                       Title:

                  BARENTS GROUP, L.L.C.

                       By:                                                (SEAL)
                          ------------------------------------------------
                       Name:
                       Title:

                  PELOTON HOLDINGS, L.L.C.

                       By:                                                (SEAL)
                          ------------------------------------------------
                       Name:
                       Title:

<PAGE>

                  [SIGNATURE PAGE 5 OF 15 TO NOTICE AND WAIVER]

                  BARENTS EUROPEAN HOLDINGS, L.L.C.

                       By:                                                (SEAL)
                          ------------------------------------------------
                       Name:
                       Title:

                  K CONSULTING SOUTHEAST ASIA, L.L.C.

                       By:                                                (SEAL)
                          ------------------------------------------------
                       Name:
                       Title:

                  BARENTS GROUP RUSSIA, L.L.C.

                       By:                                                (SEAL)
                          ------------------------------------------------
                       Name:
                       Title:

<PAGE>

                  [SIGNATURE PAGE 6 OF 15 TO NOTICE AND WAIVER]

                   PNC BANK, NATIONAL ASSOCIATION, individually and as
                   Administrative Agent

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

<PAGE>

                  [SIGNATURE PAGE 7 OF 15 TO NOTICE AND WAIVER]

                  JPMORGAN CHASE BANK
                  individually and as Documentation Agent

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

<PAGE>
                  [SIGNATURE PAGE 8 OF 15 TO NOTICE AND WAIVER]

                  BARCLAYS BANK PLC, individually and as Syndication Agent

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

<PAGE>
                  [SIGNATURE PAGE 9 OF 15 TO NOTICE AND WAIVER]

                  SOCIETE GENERALE

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

<PAGE>

                 [SIGNATURE PAGE 10 OF 15 TO NOTICE AND WAIVER]

                  SUNTRUST BANK, individually and as the Co-Agent

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

<PAGE>

                 [SIGNATURE PAGE 11 OF 15 TO NOTICE AND WAIVER]

                  BANK OF AMERICA, N.A., individually and as
                  Documentation Agent

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

<PAGE>

                 [SIGNATURE PAGE 12 OF 15 TO NOTICE AND WAIVER]

                  THE NORTHERN TRUST COMPANY

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

<PAGE>

                 [SIGNATURE PAGE 13 OF 15 TO NOTICE AND WAIVER]

                   WESTPAC BANKING CORPORATION

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

<PAGE>

                 [SIGNATURE PAGE 14 OF 15 TO NOTICE AND WAIVER]

                  MELLON BANK, N.A.

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

<PAGE>
                 [SIGNATURE PAGE 15 OF 15 TO NOTICE AND WAIVER]

                  CITIBANK, N.A., individually and as Documentation Agent

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

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