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                                                                    EXHIBIT 10.2

                   FIRST AMENDMENT TO BUSINESS LOAN AGREEMENT

                This First Amendment to Business Loan Agreement (the
"Amendment") is made as of July 10, 2001, between Bank of America,
N. A. ("Bank"), and Novatel Wireless, Inc. ("Borrower").

                                    RECITALS

        A. Borrower and Bank entered into that certain Business Loan Agreement
dated as of June 28, 2001 (the "Agreement").

        B. Borrower and Bank desire to amend certain terms and provisions of the
Agreement.

                                    AGREEMENT

        1. Definitions. Capitalized terms used but not defined in this Amendment
shall have the meaning given to them in the Agreement.

        2. Amendments. The Agreement is hereby amended as follows:

                2.1 Paragraph 1.6(a) of the Agreement is amended to add clause
(iii) to read as follows:

                        "(iii) The amounts of letters of credit outstanding at
any one time (including amounts drawn on letters of credit and not yet
reimbursed) may not exceed Five Million Dollars ($5,000,000.00)."

                3. Representations and Warranties. Borrower hereby represents
and warrants to Bank that: (i) no default specified in the Agreement and no
event which with notice or lapse of time or both would become such a default has
occurred and is continuing and (ii) the representations and warranties of
Borrower pursuant to the Agreement are true on and as of the date hereof as if
made on and as of said date.

                4. Effect of Amendment. Except as provided in this Amendment,
the Agreement shall remain in full force and effect and shall be performed by
the parties hereto according to its terms and provisions.

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        IN WITNESS WHEREOF, this Amendment has been executed by the parties
hereto as of the date first above written.

                                       BANK OF AMERICA, N.A.

                                       By:       /s/ Susan J. Pepping
                                           -------------------------------------
                                       Name:   SUSAN J. PEPPING
                                             -----------------------------------
                                       Title:     Senior Vice President
                                              ----------------------------------

                                       NOVATEL WIRELESS, INC.

                                       By:  /s/ Dan L. Halvorson
                                           -------------------------------------
                                       Name: Dan L. Halvorson
                                             -----------------------------------
                                       Title: Treasurer
                                              ----------------------------------

                                       By: /s/ Melvin L. Flowers
                                           -------------------------------------
                                       Name:  Melvin L. Flowers
                                             -----------------------------------
                                       Title:   Senior Vice President and CFO
                                              ----------------------------------

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                                                                   EXHIBIT 10.16

* Information in Article 3 of this Ageement has been omitted pursuant to a
request for confidential treatment, and the omitted information has been filed
separately with the Securities and Exchange Commission.

                            PATENT LICENSE AGREEMENT

        This Patent License Agreement ("Agreement") is entered into by and
between Timeline, Inc. ("Timeline"), a corporation organized and existing under
the laws of the State of Washington, with offices in Bellevue, Washington, and
oracle Corporation ("Oracle"), a corporation organized and existing under the
laws of the State of Delaware, with offices in Redwood Shores, California.

        Each of Timeline and Oracle shall be considered to be a "Party" and one
of the "Parties" to this Agreement.

        In consideration of the mutual covenants contained herein, Timeline and
Oracle agree as follows.

                                    ARTICLE 1

        1. Definitions

               1.1 "Timeline" shall mean Timeline, Inc. and any subsidiary or
other entity in which Timeline, Inc. owns 50% or more of the capital, assets,
voting securities, partnership, or other ownership interest.

               1.2 "Oracle" shall mean Oracle Corporation, and any subsidiary or
other entity in which Oracle Corporation owns 50% or more of the capital,
assets, voting securities, partnership, or other ownership interest.

               1.3 "Timeline Patents" shall mean (1) United States Patent Nos.
5,802,511, 6,023,694, and 6,026,392, (2) any continuations, continuations-in
part, divisionals, or foreign counterparts thereof, (3) any reexamination or
reissues thereof, and (4) any patent which may issue from any patent application
that was filed with the United States Patent and Trademark Office or has an
effective filing date on or before the Effective Date of this Agreement.

               1.4 "Oracle Products" shall mean shall mean any current or future
product or service made by or for Oracle, and leased, licensed, marketed, sold,
hosted or otherwise transferred by or for Oracle.

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                                    ARTICLE 2

        2. Grant of Rights

               2.1 Timeline expressly grants to Oracle a worldwide,
non-exclusive, perpetual, fully paid, irrevocable, fully transferable worldwide
right and license under the Timeline Patents to research, develop, make, have
made, use, market, sell, have sold through direct or indirect channels of
distribution, offer to sell, license, have licensed, import, distribute, have
distributed, sublicense or have sublicensed, and otherwise commercially exploit
Oracle Products. Oracle shall not have the right to sublicense the license to
the Timeline Patents granted by Timeline to Oracle herein.

               2.2 In no event shall this license extend to the manufacture,
use, sale, offer of sale, importation, leasing, licensing, reproduction,
distribution or transfer of non Oracle Products or the use of non Oracle
Products to create an Oracle target database.

                                    ARTICLE 3

        3. Fees. In consideration of the licenses granted by Timeline to Oracle
under Article 2 of this Agreement, Oracle pay to Timeline a one-time payment of
[* see legend below and on the first page of this exhibit]. Oracle shall use its
best efforts to make this payment within forty-eight (48) hours of execution
of this Agreement, but in no event later than June 15, 2001.

                                    ARTICLE 4

        4. Term of Licenses and of Agreement

               4.1 The term of the licenses granted by Timeline to Oracle
pursuant to Section 2.1 of this Agreement shall be until expiration of the last
to expire of the Timeline Patents.

               4.2 The term of this Agreement shall be until the expiration of
the last to expire of the Timeline Patents.

                                    ARTICLE 5

        5. Communication. Any notice, report or other document required or
permitted hereunder shall be sufficiently given when personally delivered, faxed
with confirmed receipt, delivered by overnight courier, or mailed with the U.S.
Postal Service prepaid first class registered or certified mail and addressed to
the party for whom it is intended at its record address, and such notice shall
be effective upon receipt if delivered personally, faxed, or delivered by
overnight courier, or shall be

* Certain information contained in Article 3 on this page has been omitted and
has been filed separately with the Commission. Confidential treatment is being
requested with respect to the omitted portion.

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effective five (5) days after it is deposited in the mail if mailed. The record
addresses and facsimile numbers of the parties are set forth below:

        For Oracle:                              For Timeline:
        Attention:  Dorian Daley                 Attention:  General Counsel
        Assistant General Counsel                Timeline, Inc.
        Oracle Corporation                       3055 112th Avenue N.E.
        500 Oracle Parkway  5OP7                 Bellevue, WA  98004
        Redwood Shores, CA  94065                Facsimile:  425-822-1120
        Facsimile:  650-633-1813

                                    ARTICLE 6

        6. Miscellaneous

               6.1    Representations and Warranties

                      6.1.1 Each Party represents and warrants to the other that
they have the authority to enter into this Agreement, including the license set
forth in Article 2.

                      6.1.2 Nothing contained in this Agreement shall be
construed as:

                             6.1.2.1 a warranty or representation by any of the
Parties to this Agreement as to the validity or scope of any patent;

                             6.1.2.2 a warranty or representation by any of the
Parties with respect to the enforcement of any Timeline Patent including without
limitation the prosecution, defense or conduct or any action or suit concerning
infringement of any such Timeline Patent.

                             6.1.2.3 conferring any right to use in advertising,
publicity, or otherwise, any trademark, trade name or names, or any contraction,
abbreviation or simulation thereof, of either Party, other than those rights
conferred pursuant to section 2.1 above; or

                             6.1.2.4 an obligation upon either Party to make any
determination as to the applicability of any of its patents to any product; or

                             6.1.2.5 an admission by Oracle that any of its
products infringe any Timeline Patents.

                      6.1.3 If either Party initiates a lawsuit or other action
against the other with respect to the Timeline patents licensed under this
Agreement, all of the other Party's defenses to such an action shall be
preserved including, without limitation, defenses claiming that the Timeline
Patents are invalid or unenforceable.

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                      6.1.4 EACH PARTY AGREES THAT THE OTHER PARTY SHALL NOT BE
LIABLE FOR ANY CONSEQUENTIAL, INCIDENTAL, INDIRECT OR PUNITIVE DAMAGES EVEN IF
IT HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

                      6.1.5 Timeline represents and warrants that it has the
full right and power to enter into this Agreement, and to grant all rights,
licenses, releases, and covenants as set forth herein. Timeline further
represents that it is the owner of all right, title and interest in the Timeline
Patents, as defined herein.

               6.2 No Obligation to Defend. Oracle shall have no obligation
hereunder to institute any action or suit against third parties for infringement
of any of the Timeline Patents, to defend any action or suit brought by a third
party which challenges or concerns the validity of any of such Patents or to
refrain from settling, dismissing or staying any action or suit involving such
Patents.

               6.3 No Agency. This Agreement does not in any way create a
relationship of principal and agent, partnership or joint venture between the
parties. Neither party hereto shall under any circumstances act as or represent
itself to be such.

               6.4 Amendments and Modifications. This Agreement shall not be
binding upon the Parties until is has been signed herein below by or on behalf
of each Party. No amendment or modification hereof shall be valid or binding
upon the Parties unless made in writing and signed as aforesaid, except that
either party may amend its address in Article 5 by written notice to the other
Party.

               6.5 Severability. If any section of this Agreement is found by
competent authority to be invalid, illegal or unenforceable in any respect for
any reason, the validity, legality and enforceability of such section in every
other respect and the remainder of this Agreement shall continue in effect so
long as the Agreement still expresses the intent of the Parties.

               6.6 Drafting. All parties and their counsel have reviewed and had
the opportunity to contribute to the drafting of this Agreement, and the rule of
construction providing that any ambiguities are to be resolved against the
drafting party shall not be employed in the interpretation of this Agreement.
This Agreement shall be construed as drafted by both parties.

               6.7 Headings. The headings of sections are inserted for
convenience of reference only and are not intended to be part of or to affect
the meaning or interpretation of this Agreement.

               6.8 Entire Agreement. This Agreement embodies the entire
understanding of the Parties with respect to the Timeline Patents, and replaces
any prior oral or written communications between them.

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               6.9 Counterparts. This Agreement will be effective upon the
execution in counterparts via facsimile transmission, each of which shall be
deemed an original, and all of which together, shall be deemed a single
document.

               6.10 Further Documentation. Oracle and Timeline agree to take any
actions and execute any agreement required to fulfill the intent and purpose of
this Agreement.

               6.11 IN WITNESS WHEREOF, the parties have caused this Agreement
to be executed by their duly authorized representatives to become effective as
of June 12, 2001.

                                       Timeline, Inc.

                                       By      /s/ Charles R. Osenbaugh
                                          --------------------------------------

                                       Its     President
                                          --------------------------------------

                                       Oracle Corporation

                                       By      /s/ Sanjay Prasad
                                          --------------------------------------

                                       Its     Chief Patent Counsel
                                          --------------------------------------

        APPROVED AS TO FORM:

ROHDE LAW FIRM                               WEIL, GOTSHAL & MANGES LLP

By:    /s/ Robert Rohde                      By:   /s/ Matthew D. Powers/bel
     ------------------------------             --------------------------------
       Robert Rohde                                Matthew D. Powers
       Attorneys for Timeline, Inc.                Attorneys for Oracle
                                                   Corporation

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