Document:

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                                                                   EXHIBIT 10.20

                              FIRST MODIFICATION TO
                                CREDIT AGREEMENT

      This First Modification to Credit Agreement (this 'Modification') is
entered into by and MICRO GENERAL CORPORATION ("Borrower") and IMPERIAL BANK
("Bank") as of this 23rd day of July, 2001, at Inglewood, California.

                                    RECITALS

      This Modification is entered into upon the basis of the following facts
and understandings of the parties, which facts and understandings are
acknowledged by the parties to be true and accurate:

      Bank and Borrower previously entered into a Credit Agreement dated
December 22, 1999. The Credit Agreement shall be referred to herein as the
"Agreement."

      NOW, THEREFORE, for good and valuable consideration, the receipt and
sufficiency of which are hereby acknowledged, the parties agree as set forth
below.

                                    AGREEMENT

      1. Incorporation by Reference. The Recitals and the documents referred to
therein are incorporated herein by this reference. Except as otherwise noted,
the terms not defined herein shall have the meaning set forth in the Agreement.

      2. Modifications to the Agreement. Subject to the satisfaction of the
conditions precedent as set forth in Section 3 hereof, the Agreement is hereby
modified as set forth below.

            A. Subsection 1.01 (a) of the Agreement is hereby deleted in its
      entirety and replaced with the following:

                  (a) REVOLVING LINE OF CREDIT. Subject to the terms and
            conditions of this Agreement, provided that no event of default then
            has occurred and is continuing, Bank shall, upon Borrower's request
            make advances ("Revolving Loans") to Borrower, for general corporate
            purposes and the issuance of letters of credit, in an amount not to
            exceed Ten Million Dollars ($10,000,000) (the "Revolving Line of
            Credit") until July 1, 2002 (the "Revolving Line of Credit Maturity
            Date"). Revolving Loans may be repaid and reborrowed, subject to the
            provisions of the LIBOR Addendum attached to the promissory note
            evidencing the Revolving Line of Credit, provided that all
            outstanding principal and accrued interest on the Revolving Loans
            shall be payable in full on the Revolving Credit Maturity Date."

            B. Subsection 1.01 of the Agreement is hereby amended by adding the
      following new subsection at the end thereof:

                  "(c) LETTER OF CREDIT USAGE AND SUBLIMIT. Subject to
            availability under the Revolving Line of Credit, at any time and
            from time to time from the date hereof through the banking day
            immediately prior to the Revolving Line of Credit Maturity Date,
            Bank shall issue for the account of Borrower such standby letters of
            credit ("Letters of Credit") as Borrower may request, which requests
            shall be made by delivering to Bank a duly executed letter of credit
            application on Bank's standard form; provided, however, that the
            outstanding and undrawn amounts under all such Letters of Credit (i)
            shall not at any time exceed Two Hundred Thousand Dollars ($200,000)
            ("Letter of Credit Sublimit") and (ii) shall be deemed to constitute
            Revolving Loans for the purpose of calculating availability under
            the Revolving Line of Credit. Unless agreed to in writing by Bank,
            no Letter of Credit shall have an expiration date that is later than
            the Revolving Line of Credit Maturity Date. All Letters of Credit
            shall be in form and substance acceptable to Bank in its sole
            discretion and shall be subject to the terms and conditions of
            Bank's form application and letter of credit agreement and other
            agreements required by Bank. Borrower will pay all usual issuance
            and other fees that Bank notifies Borrower it will be charged for
            issuing and processing Letters of Credit for Borrower."

            C. Article 2 of the Agreement is hereby amended by adding the
      following new section at the end thereof:

                  "2.12 INTELLECTUAL PROPERTY COLLATERAL. Borrower is the sole
            owner of the Intellectual Property Collateral, except for
            non-exclusive licenses granted by Borrower to its customers in the
            ordinary course of business. Each of the Patents is valid and
            enforceable, and no part of the Intellectual Property Collateral has

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            been judged invalid or unenforceable, in whole or in part, and no
            claim has been made that any part of the Intellectual Property
            Collateral violates the rights of any third party. Borrower's rights
            as a licensee of intellectual property do not give rise to more than
            5.00% of its gross revenue in any given month, including without
            limitation revenue derived from the sale, licensing, rendering or
            disposition of any product or service.

            As used herein, Intellectual Property Collateral shall mean all of
            Borrower's right, title, and interest in and to the following:

                  (a) Copyrights, Trademarks and Patents;

                  (b) Any and all trade secrets, and any and all intellectual
            property rights in computer software and computer software products
            now or hereafter existing, created, acquired or held;

                  (c) Any and all design rights which may be available to
            Borrower now or hereafter existing, created, acquired or held;

                  (d) Any and all claims for damages by way of past, present and
            future infringement of any of the rights included above, with the
            right, but not the obligation. to sue for and collect such damages
            for said use or infringement of the intellectual property rights
            identified above;

                  (e) All licenses or other rights to use any of the Copyrights,
            Patents or Trademarks, and all license fees and royalties arising
            from such use to the extent permitted by such license or rights;

                  (f) All amendments, renewals and extensions of any of the
            Copyrights, Trademarks or Patents; and

                  (g) All proceeds and products of the foregoing, including
            without limitation all payments under insurance or any indemnity or
            warranty payable In respect of any of the foregoing.

                  "Copyrights" - shall mean any and all copyright rights,
            copyright applications, copyright registrations and like protections
            in each work or authorship and derivative work thereof, whether
            published or unpublished and whether or not the same also
            constitutes a trade secret, now or hereafter existing, created,
            acquired or held.

                  "Patents" - shall mean all patents, patent applications and
            like protections including without limitation improvements,
            divisions, continuations, renewals, reissues, extensions and
            continuations-in-part of the same.

                  "Trademarks" - shall mean any trademark and servicemark
            rights, whether registered or not, applications to register and
            registrations of the same and like protections, and the entire
            goodwill of the business of Borrower connected with and symbolized
            by such trademarks."

            D. Subsection 4.05(a) of the Agreement is hereby deleted in its
      entirety and replaced with the following:

                  "(a) QUARTERLY FINANCIAL STATEMENT - BORROWER. As soon as
            available, and in any event within sixty (60) days after the close
            of each quarter, either: (i) a consolidated balance sheet, profit
            and loss statement and reconciliation of Borrower's capital balance
            accounts as of the close of such period and covering operations for
            the portion of Borrower's fiscal year ending on the last day of such
            period, all in reasonable detail and reasonably acceptable to Bank,
            in accordance with generally accepted accounting principles on a
            basis consistently maintained by Borrower and certified by an
            appropriate officer of Borrower, or (ii) copies of the Borrower's
            Form 10-Q Quarterly concurrent with the date of filing with the
            Securities and Exchange Commission."

            E. Subsection 4.05(c) of the Agreement is hereby deleted in its
      entirety and replaced with the following:

                  "(c) ANNUAL FINANCIAL STATEMENT - BORROWER. As soon as
            available, and in any event within ninety (90) days after and as of
            the dose of each fiscal year of Borrower, either: (i) a consolidated
            report of audit of Borrower, all in reasonable detail, by an
            independent certified public accountant selected by Borrower and
            reasonably acceptable to Bank, in accordance with generally

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            accepted accounting principles on a basis consistently maintained by
            Borrower and certified by an appropriate officer of Borrower; or
            (ii) copies of the Borrower's Form 10-K Annual Report concurrent
            with the date of filing with the Securities and Exchange
            Commission."

            F. Section 4.05 of the Agreement is hereby amended by adding the
      following new subsection at the end thereof:

                  "(h) INTELLECTUAL PROPERTY. Within thirty (30) days of the
            last day of each month, a report signed by Borrower, in form
            reasonably acceptable to Bank, listing any applications or
            registrations that Borrower has made or filed in respect of any
            Patents, Copyrights or Trademarks and the status of any outstanding
            applications or registrations, as well as any material change in
            Borrower's Intellectual Property Collateral, including but not
            limited to any subsequent ownership right of Borrower in or to any
            Trademark, Patent or Copyright not specified in Exhibits A, B, and C
            of the intellectual property security agreement entered into by
            Borrower in connection with this Agreement."

            G. Section 4.06 of the Agreement is hereby deleted in its entirety
      and replaced with the following:

                  "4.06 OUT OF DEBT PERIOD. To repay any advances in full, and
            not to draw any additional advances on its Revolving Line of Credit,
            for a period of at least 30 consecutive days in each line-year.
            "Line-year" means the period between the date of this Modification
            and July 1, 2002, and each subsequent one-year period (if any). For
            the purposes of this paragraph, "advances" does not include undrawn
            amounts of outstanding letters of credit."

            H. Article 4 of the Agreement is hereby amended by adding the
      following new sections at the end thereof:

                  "4.12 TANGIBLE NET WORTH. Maintain at all times a Tangible Net
            Worth (defined as stockholder's equity less any value for goodwill,
            trademarks, patents, copyrights, leaseholds, organization expense
            and older similar intangible items, and any amounts due from
            stockholders, officers and affiliates) of not less than Fourteen
            Million Dollars ($14,000,000).

                  4.13 WORKING CAPITAL. Maintain at all times working capital,
            meaning current assets minus current liabilities of not less than
            Two Million Dollars ($2,100,000).

                  4.14 DEBT TO TANGIBLE NET WORTH. Maintain at all times a ratio
            of total liabilities to Tangible Net Worth of not greater than 3.00
            to 1.00.

                  4.15 DEBT SERVICE COVERAGE RATIO. Maintain at all times, a
            ratio of (a) EBITDA, meaning the sum of the Borrower's net income
            before taxes, interest expense, accrued federal and state income
            taxes, and accrued depreciation and amortization expense, to (b) the
            sum of current portion of long term debt, capital lease expense, and
            interest expense, of not less than 1.20 to 1.00. This ratio will be
            calculated at the end of each fiscal quarter, using the results of
            that quarter and each of the three immediately preceding fiscal
            quarters. The current portion of tong term liabilities will be
            measured as of the last day of the calculation period.

                  4.16 REGISTRATION OF INTELLECTUAL PROPERTY RIGHTS.

                  (a) Register or cause to be registered on an expedited basis
            (to the extent not already registered) with the United States Patent
            and Trademark Office or the United States Copyright Office, as
            applicable: (i) those intellectual property rights listed on
            Exhibits A, B and C to the intellectual property security agreement
            entered into by Borrower In connection with this Agreement, within
            30 days of the date hereof, (ii) all registerable intellectual
            property rights Borrower has developed as of the date of this
            Agreement but heretofore failed to register, within 30 days of the
            date of this Agreement, and (iii) those additional intellectual
            property rights developed or acquired by Borrower from time to time
            in connection with any product, prior to the sale or licensing of
            such product to any third party, and prior to Borrower's use of such
            product (including without limitation major revisions or additions
            to the Intellectual property rights listed on such Exhibits A, B and
            C). Borrower shall give Bank notice of all such applications or
            registrations.

                  (b) Execute and deliver such additional Instruments and
            documents from time to time as Bank shall reasonably request to
            perfect Bank's security interest in the Intellectual Property
            Collateral.

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MICRO GENERAL CORPORATION               IMPERIAL BANK

By:    /s/ JOSEPH E. ROOT               By: /s/ JAMES COOPER
       -------------------------            ------------------------------------
       Joseph E. Root                       James Cooper
                                            First Vice President
Title: Senior Vice President

                                       5<PAGE>
SOFTWARE SERVICES AGREEMENT

                                                                  EXHIBIT 10.21

This Software Services Agreement (the "Agreement") covers the terms and
conditions under which Fidelity National Financial, Inc. will pay Micro General
Corporation certain monthly payments in consideration for Micro General
Corporation's agreement to provide Fidelity National Financial, Inc. services,
including, but not limited to, software and data processing services, and for
other good and valuable consideration, the receipt and sufficiency of which
Fidelity National Financial, Inc. hereby acknowledges.

The specific monthly payment amount ( the "Payment") and the period over which
the Payments are to be made (the "Transaction") are specified in the table
below. Fidelity National Financial, Inc. agrees to the terms of this Agreement
by signing below.

<TABLE>
<CAPTION>
  Term          Monthly Payment Amount        Payment Commencement Date
  ----          ----------------------        -------------------------
<S>                  <C>                           <C>
24 Months              59,656.11                       3/15/01
</TABLE>

This Agreement is the complete agreement regarding the Transaction and replaces
any prior oral or written communications between both parties.

By signing below, both parties agree to the terms of this Agreement. There shall
be only one original of this Agreement.

AGREED TO:                                     AGREED TO:

FIDELITY NATIONAL FINANCIAL, INC.              MICRO GENERAL CORP

By: /S/ PATRICK F. STONE                      By: /S/ JOHN SNEDEGAR
    ----------------------------                  ----------------------------
    Authorized signature                          Authorized signature

Name: /S/ PATRICK F. STONE                    Name: JOHN SNEDEGAR
      --------------------------                    --------------------------

Date: March 5, 2001                           Date: 02/28/01
      --------------------------                    --------------------------

Agreement: GEC-SSA-001

                                  Page 1 of 3
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SOFTWARE SERVICES AGREEMENT

PART 1- DEFINITIONS

1.0     DEFINITIONS

Term is 24 months and it is the number of payment periods of the Transaction.
The Term of the Transaction begins on the date of this Agreement. It ends on the
last day of the last payment period.

PART 2 - PAYMENT

2.1     FIDELITY NATIONAL FINANCIAL, INC.'S OBLIGATION TO PAY

Payments specified in the table set forth above shall be made monthly on the
30th calendar day of each month. Fidelity National Financial, Inc. acknowledges
and understands that the terms and conditions of this Agreement enables Micro
General Corp to sell and assign it's interest in, or grant a security interest
in, this Agreement and the Payments payable hereunder, in whole or in part, to
GE Capital ("GE Capital" to secure Micro General Corp's obligations to GE
Capital and that GE Capital has extended certain financing to Micro General Corp
in reliance on Fidelity National Financial, Inc.'s unconditional obligation to
make the Payments and Micro General Corp's assignment of Micro General Corp's
interest in such Payments to GE Capital. Fidelity National Financial, Inc.'s
obligation to make the Payments shall be absolute and unconditional and shall
not be affected by any right of set-off, defense or counterclaim of any kind
whatsoever against Micro General Corp or GE Capital or by the termination of any
service, or any dispute Fidelity National Financial, Inc. may have with respect
to any service, Micro General Corp may provide to Fidelity National Financial,
Inc.

2.2     PAYMENT COMMENCEMENT

Payment starts on the Payment Commencement Date specified above.

23      DELINQUENT PAYMENTS

If Fidelity National Financial, Inc. does not make a payment by its due date,
Fidelity National Financial, Inc. agrees to pay Micro General Corp, on demand,
an additional 2% per month late charge or the maximum allowed by law, whichever
is less. The late charge will accrue on a cumulative basis until the outstanding
payments and late charges are paid

PART 3 - GENERAL

3.1     EVENTS OF DEFAULT

Fidelity National Financial, Inc. will be in default if

1.      Fidelity National Financial, Inc. does not pay any amount within seven
        days after its due date;

2.      Fidelity National Financial, Inc. makes an assignment for the benefit of
        creditors, or Fidelity National Financial, Inc. consents to the
        appointment of a trustee or receiver, or either is appointed for
        Fidelity National Financial, Inc. or for a substantial part of Fidelity
        National Financial, Inc.'s property without Fidelity National Financial,
        Inc.'s consent;

3.      any petition or proceeding is filed by or against Fidelity National
        Financial, Inc. under any bankruptcy, insolvency, or similar law;

4.      Fidelity National Financial, Inc. breaches any other provision of this
        Agreement and that breach continues for fifteen days after Fidelity
        National Financial, Inc. receives written notice from Micro General
        Corp; or

5.      Fidelity National Financial, Inc. makes a bulk transfer subject to the
        provisions of the Uniform Commercial Code or otherwise disposes of
        substantial assets without receiving equivalent value.

                                   Page 2 of 3

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SOFTWARE SERVICES AGREEMENT

3.2     REMEDIES

If Fidelity National Financial, Inc. is in default, We may do one or more of the
following:

1.      declare the Transaction and all associated Transactions to be in
        default;

2.      immediately recover from Fidelity National Financial, Inc. all amounts
        that are or will be due;

3.      immediately recover from Fidelity National Financial, Inc. reasonable
        attorney's fees and legal expenses incurred in exercising any of Micro
        General Corp's rights under this Agreement.

We may pursue any other remedy available at law or in equity.

3.3     ASSIGNMENT

1.      Fidelity National Financial, Inc. may not assign this Agreement or
        Fidelity National Financial, Inc.'s rights under it, or delegate
        Fidelity National Financial, Inc.'s obligations. Any attempt to do so is
        void;

2.      Micro General Corp shall sell and assign all of Micro General Corp's
        interests or grant a security interest in all of Micro General Corp's
        right, title and interest under this Agreement to GE Capital to secure
        Micro General Corp's obligations to GE Capital.

3.      Fidelity National Financial, Inc. and Micro General Corp agree that
        neither of us may do any of the following without the prior written
        consent of GE Capital, and that any attempt to do so shall be void and
        of no force or affect against GE Capital:

        (a)     make, or accept, any payment or pre-payment of the Payments
                other than as specified in this Agreement;

        (b)     amend, supplement or otherwise modify the terms of this
                Agreement or grant or accept any waiver of compliance with, or
                release of any of Fidelity National Financial, Inc.'s
                obligations under this Agreement;

4.      Fidelity National Financial, Inc. agrees that upon notice from GE
        Capital that Micro General Corp is in default of it's obligations to GE
        Capital, Fidelity National Financial, Inc. shall make all Payments
        hereunder directly to GE Capital as specified by GE Capital in such
        notice.

3.4     GENERAL

If any provision of this Agreement becomes invalid or unenforceable, all other
provisions remain in effect. Micro General Corp's failure to require full
performance or Micro General Corp's waiver of any provision in this Agreement
does not prevent Micro General Corp from requiring full performance of all
provisions in the future.

3.5     NOTICES

All notices under this Agreement will be delivered in person or mailed, to
Fidelity National Financial, Inc. at Fidelity National Financial, Inc.'s address
or to Micro General Corp at Micro General Corp's address or to such other
address as Micro General Corp, or Micro General Corp's assignee may specify to
Fidelity National Financial, Inc.

GOVERNING LAW

The laws of the State of California govern this Agreement.

                                  Page 3 of 3

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Equipment and financing Description in support of SSA Agreement dated 2/28/01
for monthly payments of $59,656.11 for 24 months:

Financing through GE Capital for 24 months,

CISCO Servers
CISCO Firewall equipment
CISCO sensors
CISCO Catalyst equipment
CISCO High-end Routers
and related software, other hardware, and services

Above equipment being acquired through third party vendor, Network Catalyst,
who's invoices for the above equipment will be paid directly by GE Capital.
Total amount financed is $1,293,000.

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