Document:

<PAGE>
                                                                   Exhibit 10.13

                               SECOND AMENDMENT TO

                                 LOAN AGREEMENT

                      $40,000,000 REVOLVING LINE OF CREDIT

                                      from

                             BANK ONE, COLORADO, NA,

                                  COBANK, ACB,

                                       and

                                INTRUST BANK, NA

                                       to

                                  T-NETIX, INC.

                                 April 16, 2001
<PAGE>
                       SECOND AMENDMENT TO LOAN AGREEMENT

      This Second Amendment to Loan Agreement ("Second Amendment"), dated as of
April 16, 2001, is by and among T-NETIX, INC., a Colorado corporation
("Borrower"), Lenders (as defined in the Original Loan Agreement), and BANK ONE,
COLORADO, NA, a national banking association, as agent for Lenders (in such
capacity, the "Agent").

      The parties executed and delivered the original Loan Agreement, dated
September 9, 1999 ("ORIGINAL LOAN AGREEMENT"), and the First Amendment to Loan
Agreement, dated July 11, 2000. Section 12.5 of the Original Loan Agreement
permits such agreement to be amended with the consent of the Lenders.

      In consideration of the mutual covenants set forth in this Second
Amendment and the other Loan Documents, and for other good and valuable
consideration, the receipt and sufficiency of which are hereby acknowledged,
Borrower, Lenders, and Agent agree as follows:

                                   ARTICLE 1.
                                   DEFINITIONS

      1.1   DEFINITIONS. Unless amended hereby, each capitalized term as used
herein shall have the meaning given it in Section 1.1 of the Original Loan
Agreement. The following definitions shall be amended and restated in their
entirety to read as follows:

            "Agreement" shall mean, collectively, the Original Loan Agreement,
            the First Amendment to Loan Agreement, and the Second Amendment to
            Loan Agreement.

            "Interest Rate" shall mean the Prime Rate plus 1.25% to move with
            prime, increasing -1/4 of 1% (.25%) on each of the following dates:
            June 30, 2001, September 30, 2001, and December 31, 2001. The term
            "Prime Rate" means the rate of interest per annum designated by
            Agent, or its successors as its "prime rate" and as publicly
            announced by Agent from time to time. The rate' announced by the
            Agent as its prime rate may not necessarily be the lowest rate
            available to Agent's most creditworthy customers. From the date of
            this Second Amendment, the definitions and terms of Base Rate, LIBOR
            Rate, Adjusted LIBOR Rate, Minimum LIBOR Rate, LIBOR Spread,
            Eurocurrency Liabilities, Eurodollar Business Day, Eurodollar Rate,
            Eurodollar Rate Reserve Percentage, Re-Set Date and Roll Over Date
            shall not be applicable to this Agreement and/or the Notes and are
            hereby deleted.

            "Loan" shall collectively mean a $20,000,000 revolving line of
            credit (the "REVOLVING LINE") and a $10,000,000 term loan (the "TERM
            LOAN").
<PAGE>
            "Maturity Date" shall mean the earlier of (i) the date of
            acceleration of the Loan, or (ii) March 31, 2002.

            "Maximum Loan Amount" shall mean $30,000,000, comprised of the
            Revolving Line and the Term Loan. Notwithstanding Section 2.1 of the
            Original Loan Agreement, Borrower may not borrow, repay and
            reborrower on that portion of the Loan constituting the Term Loan.
            Letter of Credit Liability shall be applied against and reduce
            availability under the Revolving Line.

            "Percentage Interest" shall mean:

                        (i)    50% to Agent
                        (ii)   25% to CoBank
                        (iii)  25% to Intrust

            "Required Lenders" shall mean, at any time, two or more Lenders.

                                    ARTICLE 2
                              CONDITIONS PRECEDENT

      2.1   Conditions Precedent The following conditions precedent must be
strictly fulfilled, substantial performance being insufficient, and the failure
of any one of which to be fulfilled shall be deemed an Event of Default:

            (a)   On or before April 16, 2001, Borrower shall pay to Lenders a
      renewal and Extension Fee of $150,000;

            (b)   On or before April 16, 2001, Borrower shall pay an Agent's Fee
      to Agent as that fee is described in Article 3.2 herein; and

            (c)   On or before April 16, 2001, Borrower shall pay all accrued
      interest to date due on the Loan (as defined in this Second Amendment)
      including that interest accruing from March 31, 2001 at the Interest Rate
      payable to each Lender on Lender's Percentage Interest (as defined in the
      Loan Agreement) in effect immediately prior to the date of this Second
      Amendment; and

            (d)   On or before April 16, 2001, in the event the outstanding
      balance of the Loan exceeds the Maximum Loan Amount (as defined in this
      Second Amendment), Borrower shall make such payment as is necessary to
      reduce said balance to an amount that is less than or equal to the Maximum
      Loan Amount.

            (e)   Borrower and Daniel M. Carney shall amend and extend that
      certain Subordinated Loan Agreement dated as of April 14, 2000.
<PAGE>
                                    ARTICLE 3
                                   AMENDMENTS

      3.1   Amendment to Section 2.5(b). The Unused Fee Percentage shall be
revised to an amount equal to a fixed 1.50% per annum based on the Unused
Availability of the Revolving Line.

      3.2   Amendment to Section 2.5(c). The annual Agent's Fee shall be changed
to $40,000, payable on the date of the execution and delivery of this Second
Amendment.

      3.3   Amendment to Section 6.11. Section 6.11 of the Original Loan
Agreement shall be amended and restated in its entirety to read as follows:

            Borrower shall comply with the following financial covenants:

            (a) Sale of Assets: Borrower must obtain the Lenders consent for
      asset sales in excess of $100,000 in the aggregate, and asset sales
      proceeds in excess of $25,000 will be payable to the Lenders with
      application first to term debt as additional principal payment, and second
      as permanent reduction to revolving debt.

            (b) Covenant Compliance Certificate: Quarterly compliance
      certificate to be continued.

            (c) Financial Statements: In addition to existing requirements,
      monthly company-prepared financial statements shall be provided to Lenders
      by the 21" day of each following month.

      3.4   Subordinated Indebtedness. The Subordinated Loan Agreement between
Borrower and Daniel M. Carney, dated as of April 14, 2000, as amended or
supplemented from time to time shall be renewed and extended by a written
extension of the subordinated debt under the same terms as the previous year to
mature no sooner than April 30, 2002.

      3.5   Waiver. Temporary waiver of the December 31, 2000 10-K to April 16,
2001 of audited year-end.

      3.6   Repayment Terms. Payments of interest on the Revolving Line shall be
due and payable beginning May 1, 2001 and on the first day of each month
thereafter. The entire outstanding principal and unpaid interest on the
Revolving Loan shall be due and payable on the Maturity Date. Payments of
$200,000 principal plus interest on the Term Loan shall be due and payable
beginning May 1, 2001 and on the first day each month thereafter. The entire
outstanding principal and unpaid interest on the Term Loan shall be due and
payable on the Maturity Date.
<PAGE>
                                   ARTICLE 4.
                                  MISCELLANEOUS

      4.1   Interest Rate Effective Date. The parties agree that the Interest
Rate, as that term is defined in this Second Amendment, is effective as of March
31, 2001, shall be applicable with respect to both the Revolving Loan and the
Term Loan, and shall, as of the date of this Second Amendment, be the exclusive
rate of interest applicable to the Loan (subject to the application of the
Default Rate).

      4.2   Counterpart/Facsimile Signatures. This Second Amendment may be
executed in any number of counterparts which together will be one and the same
instrument. This Second Amendment shall become effective whenever each party
shall have signed at least one counterpart. Facsimile signatures shall be
treated as original signatures hereon.

      4.3   Inconsistent Provisions; Severability. In case of any irreconcilable
conflict between the provisions of this Second Amendment and those of the Loan
Documents and the Notes, the provisions of this Second Amendment shall govern.
The invalidity, illegality or unenforceability of any provision of any of the
Loan Documents shall not in any way affect or impair the legality or
enforceability of the remaining provisions of each of the Loan Documents.

      4.4   References and Titles. All references in this Second Amendment to
Sections and subsections and other subdivisions refers to the Sections and
subsections and other subdivisions of this Second Amendment unless expressly
provided otherwise. Headings are for convenience only and do not constitute any
part of such subdivisions and shall be disregarded in construing the language
contained in such subdivisions. The words "herein," "hereby," "hereunder" and
words of similar import refer to this Second Amendment as a whole and not to any
particular subdivision unless expressly so limited. Pronouns in masculine,
feminine and neuter genders shall be construed to include any other gender, and
words in the singular form shall be construed to include the plural and vice
versa, unless the context otherwise requires.

      4.5   Successors and Assigns. This Second Amendment shall be binding upon
and inure to the benefit of the parties hereto and their respective successors
and assigns.

      4.6   Confirmation of Original Loan Agreement. Except as amended hereby
and by the First Amendment to Loan Agreement, the Original Loan Agreement is
ratified and confirmed.

            EXECUTED to be effective as of the day and year first above written.

                                     "BORROWER"

                                     T-NETIX, INC., a Colorado corporation

                                     By:________________________________________
                                     ________________, Title;___________________
<PAGE>
                                     "SUBSIDIARIES"

                                     T-NETIX TELECOMMUNICATIONS SERVICES, INC.,
                                     a Texas corporation, f/k/a GATEWAY
                                     TECHNOLOGIES, INC.

                                     By:________________________________________
                                     ________________, Title;___________________

                                     T-NETIX MONITORING CORPORATION,
                                     a Colorado corporation

                                     By:________________________________________
                                     ________________, Title;___________________

                                     SPEAKEZ, INC., a Colorado corporation

                                     By:________________________________________
                                     ________________, Title;___________________

                                     T-NETIX CORPORATION, a Colorado corporation

                                     By:________________________________________
                                     ________________, Title;___________________

                                     "LENDERS"

                                     BANK ONE, COLORADO, NA,
                                     a national banking association

                                     By:________________________________________
                                     Hal E. Fudge, First Vice-President

                                     COBANK, ACB

                                     By:________________________________________
                                     ________________, Title;___________________
<PAGE>
                                     "SUBSIDIARIES"

                                     T-NETIX TELECOMMUNICATIONS SERVICES, INC.,
                                     a Texas corporation, f/k/a GATEWAY
                                     TECHNOLOGIES, INC.

                                     By:________________________________________
                                     ________________, Title;___________________

                                     T-NETIX MONITORING CORPORATION,
                                     a Colorado corporation

                                     By:________________________________________
                                     ________________, Title;___________________

                                     SPEAKEZ, INC., a Colorado corporation

                                     By:________________________________________
                                     ________________, Title;___________________

                                     T-NETIX CORPORATION, a Colorado corporation

                                     By:________________________________________
                                     ________________, Title;___________________

                                     "LENDERS"

                                     BANK ONE, COLORADO, NA,
                                     a national banking association

                                     By:________________________________________
                                     Hal E. Fudge, First Vice-President

                                     COBANK, ACB

                                     By:________________________________________
                                     ________________, Title;___________________
<PAGE>
                                     "SUBSIDIARIES"

                                     T-NETIX TELECOMMUNICATIONS SERVICES, INC.,
                                     a Texas corporation, f/k/a GATEWAY
                                     TECHNOLOGIES, INC.

                                     By:________________________________________
                                     ________________, Title;___________________

                                     T-NETIX MONITORING CORPORATION,
                                     a Colorado corporation

                                     By:________________________________________
                                     ________________, Title;___________________

                                     SPEAKEZ, INC., a Colorado corporation

                                     By:________________________________________
                                     ________________, Title;___________________

                                     T-NETIX CORPORATION, a Colorado corporation

                                     By:________________________________________
                                     ________________, Title;___________________

                                     "LENDERS"

                                     BANK ONE, COLORADO, NA,
                                     a national banking association

                                     By:________________________________________
                                     Hal E. Fudge, First Vice-President

                                     COBANK, ACB

                                     By:________________________________________
                                     ________________, Title;___________________
<PAGE>
                                     INTRUST BANK, NA,
                                     a national banking association

                                     By:________________________________________
                                     ________________, Title;___________________

                                     "AGENT"

                                     BANK ONE, COLORADO, NA,
                                     a national banking association

                                     By:________________________________________
                                          Dennis Warren, First Vice-President
<PAGE>
                                     INTRUST BANK, NA,
                                     a national banking association

                                     By:________________________________________
                                     ________________, Title;___________________

                                     "AGENT"

                                     BANK ONE, COLORADO, NA,
                                     a national banking association

                                     By:________________________________________
                                          Dennis Warren, First Vice-President<PAGE>
                                                                   Exhibit 10.14

                               THIRD AMENDMENT TO

                                 LOAN AGREEMENT

                      $40,000,000 REVOLVING LINE OF CREDIT

                                      FROM

                                  BANK ONE, NA,

                                  COBANK, ACB,

                                       AND

                                INTRUST BANK, NA

                                       TO

                                  T-NETIX, INC.

                                 MARCH 26, 2002
<PAGE>
                        THIRD AMENDMENT TO LOAN AGREEMENT

      This Third Amendment to Loan Agreement ("THIRD AMENDMENT"), dated as of
March 26, 2002, is by and among T-NETIX, INC., a Delaware corporation
("BORROWER"), Lenders (as defined in the Original Loan Agreement), and BANK ONE,
NA, a national banking association, f/k/a Bank One, Colorado, N. A., as agent
for Lenders (in such capacity, the "AGENT").

      The parties executed and delivered the original Loan Agreement, dated
September 9, 1999 ("ORIGINAL LOAN AGREEMENT"), which Original Loan Agreement was
amended pursuant to the First Amendment to Loan Agreement, dated July 11, 2000,
and the Second Amendment to Loan Agreement dated April 16, 2001. Section 12.5 of
the Original Loan Agreement permits such agreement to be amended with the
consent of the Lenders.

      In consideration of the mutual covenants set forth in this Third Amendment
and the other Loan Documents, and for other good and valuable consideration, the
receipt and sufficiency of which are hereby acknowledged, Borrower, Lenders, and
Agent agree as follows:

                                   ARTICLE 1.
                                   DEFINITIONS

      1.1   DEFINITIONS. Unless amended hereby, each capitalized term as used
herein shall have the meaning given it in Section 1.1 of the Original Loan
Agreement. The following definitions shall be amended and restated in their
entirety to read as follows:

            "Agreement" shall mean, collectively, the Original Loan Agreement,
            as amended by the First Amendment to Loan Agreement, the Second
            Amendment to Loan Agreement and this Third Amendment to Loan
            Agreement.

            "Interest Rate" shall mean the fluctuating rate of Prime Rate plus
            2.25%. The term "Prime Rate" means the rate of interest per annum
            designated by Agent, or its successors as its "prime rate" and as
            publicly announced by Agent from time to time. The rate announced by
            the Agent as its prime rate may not necessarily be the lowest rate
            available to Agent's most creditworthy customers.

            "Letters of Credit" is hereby deleted in its entirety.

            "Letters of Credit Liability" is hereby deleted in its entirety.

            "Loan" shall collectively mean a $14,000,000 revolving line of
            credit (the "REVOLVING LINE") and a $7,800,000 term loan (the "TERM
            LOAN").
<PAGE>
            "Maturity Date" shall mean the earlier of (i) the date of
            acceleration of the Loan, or (ii) June 30, 2002.

            "Maximum Loan Amount" shall mean $21,800,000, comprised of the
            Revolving Line and the Term Loan. Notwithstanding Section 2.1 of the
            Original Loan Agreement, Borrower may not borrow, repay and reborrow
            on that portion of the Loan constituting the Term Loan.

                                    ARTICLE 2
                              CONDITIONS PRECEDENT

      2.1   Conditions Precedent The following conditions precedent must be
strictly fulfilled, substantial performance being insufficient, on or before
March 26, 2002 (the "Amendment Closing Date") and the failure of any one of
which to be fulfilled shall be deemed an Event of Default:

            (a)   Borrower shall pay to Lenders an Amendment Fee equal to three
      quarters of one percent (.75%) of the Maximum Loan Amount to be
      distributed as follows: One quarter of one percent (.25%) of the Maximum
      Loan Amount shall be immediately distributed to Lenders on a pro rata
      basis by Agent, and (ii) one-half of one percent (.50%) of the Maximum
      Loan Amount shall be held by Agent in an interest bearing account and
      shall remain subject to the Amendment Fee Refund described in Article 4
      below

            (b)   Borrower shall pay all accrued interest to date through and
      including the Amendment Closing Date, due on the Loan at the Interest Rate
      payable to each Lender on Lender's Percentage Interest (as defined in the
      Loan Agreement) in effect immediately prior to the date of this Third
      Amendment;

            (c)   In the event the outstanding balance of the Loan on the
      Amendment Closing Date exceeds the Maximum Loan Amount (as defined in this
      Third Amendment), Borrower shall make such payment as is necessary to
      reduce said balance to an amount that is less than or equal to the Maximum
      Loan Amount;

            (d)   Borrower shall have paid all fees and expenses of Agent and
      Lenders incurred in relation to this Third Amendment;

            (e)   Borrower shall have performed all of its Obligations under the
      Loan, including without limitation, (i) shall be current in all payments
      of principal and interest, (ii) shall have submitted to Agent all
      financial reports and Covenant Compliance Certificates, and (iii) shall
      have submitted to agent "pre-audit" results for fiscal year 2001;

            (f)   Agent shall have received evidence acceptable to Agent of
      appropriate
<PAGE>
      corporate action on the part of Borrower and Subsidiaries hereon
      authorizing the execution and delivery of this Third Amendment;

            (g)   Agent shall have received opinions of Borrowers' counsel in
      form and substance acceptable to Agent

            (h)   Borrower and Daniel M. Carney shall amend and extend that
      certain Subordinated Loan Agreement dated as of April 14, 2000.

            (i)   In the event Borrower's 2001 10K financial report is not
      completed by the date hereon, Borrower shall deliver to Agent the most
      recent draft of said 10K report and weekly thereafter provide Agent with
      updated drafts of the 10K report until the report is delivered in its
      final form. Agent and Lenders shall keep the information contained in the
      drafts of the 10K report confidential until such time as the report is
      finalized.

            (j)   Agent shall have received a letter, in form and substance
      satisfactory to Agent, from a reputable financial institution or
      investment banking firm acceptable to Agent and Lenders which provides
      evidence that Borrower has taken substantive efforts and continues to
      pursue arrangements with said financial institution or investment banking
      firm for payment of the entire amount of its Obligations to Lenders on or
      before the Maturity Date.

                                    ARTICLE 3
                                   AMENDMENTS

      3.1   Subordinated Indebtedness. The Subordinated Loan Agreement between
Borrower and Daniel M. Carney, dated as of April 14, 2000, as amended or
supplemented from time to time shall be renewed and extended by a written
extension of the subordinated debt under the same terms as the previous year to
mature no sooner than July 31, 2002.

      3.2   Repayment Terms. Payments of interest on the Revolving Line shall be
due and payable beginning April 1, 2002 and on the first day of each month
thereafter. The entire outstanding principal and unpaid interest on the
Revolving Loan shall be due and payable on the Maturity Date. Payments of
$200,000 principal plus interest on the Term Loan shall be due and payable
beginning April 1, 2002 and on the first day each month thereafter. The entire
outstanding principal and unpaid interest on the Term Loan shall be due and
payable on the Maturity Date.

      3.3   Letters of Credit. Section 2.6 of the Original Loan Agreement is
hereby deleted in its entirety. Agent shall have no further obligation to issue
Letters of Credit.

      3.4   Financial Statements. Section 6.2(a) of the Original Loan Agreement
is hereby amended to provide that Borrower's audited annual Consolidated
financial statements and 10K report for year ending 2001 shall be delivered to
each Lender within three days following completion of the reports but in no
event later than April 30, 2002.
<PAGE>
      3.5   Financial Covenants. Section 6.11 of the Original Loan Agreement, as
amended, is further amended to provide as follows:

            (a)   Senior Bank Debt to Unadjusted EBITDA. For the Quarter ending
      March 31, 2002 and thereafter Borrower shall maintain a ratio of Senior
      Bank Debt to Unadjusted EBITDA of less than or equal to 1.25 calculated as
      set forth in the Original Loan Agreement, as amended.

            (b)   Fixed Charge Coverage Ratio. For the Quarter ending March 31,
      2001, and thereafter, the current maturity of long term debt (CMLTD)
      calculation used to determine Fixed Charges shall include the monthly
      principal payments on the Term Loan.

      3.6   Tangible Shareholder's Equity. Section 6.18 of the Original Loan
Agreement, as amended, is hereby amended to provided that Borrower shall
maintain a minimum Tangible Shareholder's Equity for the Quarter ending March
31, 2002, and thereafter, of $17,500,000

                                   ARTICLE 4.
                                  MISCELLANEOUS

      4.1   Interest Rate Effective Date. The parties agree that the Interest
Rate, as that term is defined in this Third Amendment, is effective as of the
date hereof, shall be applicable with respect to both the Revolving Loan and the
Term Loan, and shall, as of the date of this Third Amendment, be the exclusive
rate of interest applicable to the Loan (subject to the application of the
Default Rate).

      4.2   Amendment Fee Refund. Provided that Borrower performs all of its
Obligations on or before the Maturity Date, Borrower shall be entitled to a
refund of the .50% portion of the Amendment Fee set forth in Section 2.1 (a)
(ii) above, plus accrued interest,(the "Amendment Fee Refund") held by Agent as
set forth in Section 2.1(a) above. If Borrower shall fail to timely perform its
Obligations, the entire amount of the Amendment Fee plus accrued interest shall
be distributed pro rata by Agent to Lenders.

      4.3   Commitment Letter. On or before April 30, 2002, Borrower shall
provide Agent with a commitment letter from a reputable financial institution or
investment banking firm acceptable to Agent and Lenders indicating a commitment
to facilitate payment of all of Borrower's Obligations on or before the Maturity
Date. The commitment letter must be in a form and substance acceptable to Agent
and Lenders in their sole discretion.

      4.4   Counterpart/Facsimile Signatures. This Third Amendment may be
executed in any number of counterparts which together will be one and the same
instrument. This Third Amendment shall become effective whenever each party
shall have signed at least one counterpart. Facsimile signatures shall be
treated as original signatures hereon.
<PAGE>
      4.5   Inconsistent Provisions; Severability. In case of any irreconcilable
conflict between the provisions of this Third Amendment and those of the Loan
Documents and the Notes, the provisions of this Third Amendment shall govern.
The invalidity, illegality or unenforceability of any provision of any of the
Loan Documents shall not in any way affect or impair the legality or
enforceability of the remaining provisions of each of the Loan Documents.

      4.6   References and Titles. All references in this Third Amendment to
Sections and subsections and other subdivisions refers to the Sections and
subsections and other subdivisions of this Third Amendment unless expressly
provided otherwise. Headings are for convenience only and do not constitute any
part of such subdivisions and shall be disregarded in construing the language
contained in such subdivisions. The words "herein," "hereby," "hereunder" and
words of similar import refer to this Third Amendment as a whole and not to any
particular subdivision unless expressly so limited. Pronouns in masculine,
feminine and neuter genders shall be construed to include any other gender, and
words in the singular form shall be construed to include the plural and vice
versa, unless the context otherwise requires.

      4.7   Successors and Assigns. This Third Amendment shall be binding upon
and inure to the benefit of the parties hereto and their respective successors
and assigns.

      4.8   Confirmation of Original Loan Agreement. Except as amended hereby,
by the First Amendment to Loan Agreement, the Second Amendment to Loan
Agreement, and this Third Amendment to Loan Agreement, the Original Loan
Agreement is ratified and confirmed.

      4.9   Indemnity. Borrower agrees to indemnify, defend and hold harmless
the Agent and Lenders, all present and future officers, directors, employees,
attorneys and agents of the foregoing (the "Indemnitees") from and against any
claims, loss or damage to which any Indemnitee may be subjected if any
representation or warranty of Borrower proves to be incorrect in any respect or
as a result of any violation of any covenant and from and against any and all
other liabilities, losses, damages, penalties, judgments, suits, claims, costs
and expenses of any kind or nature whatsoever (including, without limitation,
the reasonable fees and disbursements of counsel) in connection with the
foregoing and any other investigative, administrative or judicial proceedings,
whether or not such Indemnitee shall be designated a party thereto, which may be
imposed on, incurred by or asserted against any such Indemnitee, in any manner
related to or arising out of or in connection with the making of the Loan or the
use or intended use of the proceeds of the Loan.

                     [Remainder of Page Intentionally Blank]
<PAGE>
      EXECUTED to be effective as of the day and year first above written.

                                           "BORROWER"

                                           T-NETIX, INC., a Delaware corporation

                                           By:__________________________________
                                           Name:________________________________
                                           Title:_______________________________

                                           "SUBSIDIARIES"

                                           T-NETIX TELECOMMUNICATIONS SERVICES,
                                           INC., a Texas corporation, f/k/a
                                           GATEWAY TECHNOLOGIES, INC.

                                           By:__________________________________
                                           Name:________________________________
                                           Title:_______________________________

                                           T-NETIX MONITORING CORPORATION,
                                           a Colorado corporation

                                           By:__________________________________
                                           Name:________________________________
                                           Title:_______________________________

                                           SPEAKEZ, INC., a Colorado corporation

                                           By:__________________________________
                                           Name:________________________________
                                           Title:_______________________________
<PAGE>
                                           T-NETIX JMS CORPORATION, a Colorado
                                           corporation

                                           By:__________________________________
                                           Name:________________________________
                                           Title:_______________________________

                                           "LENDERS"

                                           BANK ONE, NA,
                                           a national banking association

                                           By:__________________________________
                                              Hal E. Fudge, First Vice-President

                                           COBANK, ACB

                                           By:__________________________________
                                           Name:________________________________
                                           Title:_______________________________

                                           INTRUST BANK, NA,
                                           a national banking association

                                           By:__________________________________
                                           Name:________________________________
                                           Title:_______________________________

                                           "AGENT"

                                           BANK ONE, NA,
                                           a national banking association

                                           By:__________________________________
                                              Hal E. Fudge, First Vice-President

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