Document:

<PAGE>
                                                                    EXHIBIT 10.2

                                     WAIVER

                  This WAIVER, dated as of September 30, 2002, is entered into
by FOOTHILL CAPITAL CORPORATION, a California corporation ("Lender") and
INTERVOICE, INC., a Texas corporation ("Borrower"), with reference to the
following facts:

                  WHEREAS, Lender and Borrower are parties to that certain Loan
and Security Agreement, dated as of August 29, 2002 (as heretofore amended,
modified or supplemented from time to time, the "Loan Agreement"; terms used
herein without definitions shall have the meanings ascribed to them in the Loan
Agreement);

                  WHEREAS, Borrower wishes to make a principal prepayment in the
amount of $1,500,000 on the Dallas Mortgage Loan (the "Prepayment");

                  WHEREAS, Borrower has requested that Lender waive Section
7.8(a) of the Loan Agreement inasmuch as such section prohibits the Prepayment;
and

                  WHEREAS, subject to the terms hereof, Lender is willing to
waive Section 7.8(a) of the Loan Agreement to permit the Prepayment to be made.

                  NOW, THEREFORE, in consideration of the foregoing and the
mutual covenants herein contained, and for other good and valuable
consideration, the receipt and sufficiency of which are hereby acknowledged, the
parties hereby agree as follows:

                  1. Waiver. Lender hereby waives the provisions of Section
7.8(a) of the Loan Agreement so that Borrower may make the Prepayment.

                  2. Conditions Precedent to Waiver. The satisfaction of each of
the following, unless waived or deferred by Lender, shall constitute conditions
precedent to the effectiveness of this Waiver:

                           (a) Lender shall have received this, duly executed by
the parties hereto, and the same shall be in full force and effect;

                           (b) After giving effect to the contemporaneous
amendment of the loan documents related to the Dallas Mortgage Loan, no Default
or Event of Default, other than the making of the Prepayment, shall have
occurred and be continuing on the date hereof;

                           (c) Each of the representations and warranties
contained in the Loan Agreement shall be true and correct in all respects on and
as of the effectiveness hereof, as though made on and as of such date;

                                      -1-
<PAGE>

                           (d) Lender shall have received a fee of $150,000 from
Borrower in consideration for the waiver granted herein.

                  3. Miscellaneous.

                           (a) Governing Law. The validity of this Waiver, its
construction, interpretation, and enforcement, and the rights of the parties
hereto shall be governed by the internal laws of the State of California,
without regard to principles of conflicts of law.

                           (b) Counterparts; Telefacsimile Execution;
Effectiveness. This Waiver may be executed in any number of counterparts, each
of which, when so executed and delivered, shall be deemed an original. All of
such counterparts shall constitute but one and the same instrument. Delivery of
an executed counterpart of this Waiver by telefacsimile shall be equally
effective as delivery of an original executed counterpart of this Waiver. Any
party delivering an executed counterpart of this Waiver by telefacsimile also
shall deliver a manually executed counterpart of this Waiver but the failure to
deliver a manually executed counterpart shall not affect the validity,
enforceability, and binding effect of this Waiver.

                           (c) Limited Waiver. The waiver set forth herein is
limited to the specifics hereof, shall not apply with respect to any facts or
occurrences other than those on which the same are based, shall not excuse
future noncompliance with the Loan Agreement, and except as expressly set forth
herein, shall not operate as a waiver or an amendment of any right, power or
remedy of Lender, nor as a consent to any further or other matter, under the
Loan Agreement.

                            [Signature page follows.]

                                      -2-
<PAGE>

                  IN WITNESS WHEREOF, the parties hereto have duly executed this
Agreement, as of the date first above written.

                                    FOOTHILL CAPITAL CORPORATION,
                                    a California corporation

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

                                    INTERVOICE, INC.,
                                    a Texas corporation

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

                                       S-1
<PAGE>

                            Reaffirmation and Consent

                  The undersigned hereby (a) consent to the waiver of Section
7.8(a) of the Loan Agreement set forth in the foregoing Waiver; (b) acknowledge
and reaffirm their obligations owing to Lender under each of the Loan Documents
to which each of them is party; and (c) agree that each of the Loan Documents to
which each of them is a party is and shall remain in full force and effect.
Although the undersigned have been informed of the matters set forth herein and
have acknowledged and agreed to same, they understand that Lender has no
obligation to inform them of such matters in the future or to seek their
acknowledgement or agreement to future amendments or waivers, and nothing herein
shall create such a duty.

<Table>
<S>                                                   <C>
BRITE VOICE SYSTEMS, INC., a Kansas corporation       INTERVOICE-BRITE LIMITED, a United Kingdom corporation

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

INTERVOICE GP, INC., a Nevada corporation             INTERVOICE LP, INC., a Nevada corporation

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

INTERVOICE LIMITED PARTNERSHIP, a Nevada limited
partnership

By: Intervoice GP, Inc., its general partner

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

</Table>

                                       S-2<PAGE>
                                                                    EXHIBIT 10.3

                             MODIFICATION AGREEMENT

         THIS MODIFICATION AGREEMENT (the "Agreement") is made and entered into
as of the 30th day of September, 2002, by and between INTERVOICE, INC., a Texas
corporation, formerly known as InterVoice-Brite, Inc. ("Grantor") and BEAL BANK,
S.S.B., a savings bank organized under the laws of the State of Texas
("Lender").

                                   WITNESSETH:

         A. Lender has heretofore made a loan (the "Loan") to Grantor, which
Loan is evidenced by that certain Promissory Note (the "Note"), dated May 29,
2002, in the stated principal amount of $14,000,000.00, executed and delivered
by Grantor and payable to the order of Lender.

         B. The Loan and the Note are secured by, among other things, that
certain Deed of Trust, Security Agreement and Assignment of Leases and Rents
(the "Deed of Trust"), dated May 29, 2002, executed and delivered by Grantor to
William T. Saurenmann, Trustee, for the benefit of Lender, which encumbers,
among other things, the real property described on Exhibit "A" attached hereto
(the " Property"), and which has been recorded in Volume 5180, beginning at Page
2240 of the Real Property Records of Collin County, Texas.

         C. Grantor has requested that Lender agree to modify certain provisions
of the Deed of Trust, and in consideration therefor, Grantor has agreed to make
a principal prepayment on the Loan in the amount of $1,500,000.00 (the
"Prepayment"). Lender has agreed to so modify certain provisions relating to the
Loan pursuant to this Agreement.

         NOW, THEREFORE, for and in consideration of the premises, the mutual
covenants and agreements herein contained, the payment and delivery by Grantor
to Lender of the Prepayment, and other good and valuable consideration, the
receipt and sufficiency of which are hereby acknowledged and confessed by each
of the parties hereto, Grantor and Lender modify the Loan and the Loan
Documents, as such term is defined in the Deed of Trust, as follows:

         1.       Paragraph 6.13 of the Deed of Trust is modified to be and read
                  as follows:

                  6.13 Decline in Net Worth. If, as of the end any fiscal
                  quarter of Grantor, Grantor's net worth, determined in the
                  same manner as Grantor's Net Worth as set forth in Grantor's
                  financial statements heretofore furnished to Beneficiary prior
                  to the closing of the Loan, is less than $25,000,000.00.

         2.       The indebtedness owed by Grantor to Bank of America, National
                  Association to which reference is made in Paragraph 6.14 of
                  the Deed of Trust has been refinanced by Grantor with a loan
                  from Foothill Capital Corporation. Accordingly, Paragraph 6.14
                  of the Deed of Trust is modified to delete all references
                  therein to "Bank of America, National Association" and replace
                  them with "Foothill Capital Corporation or any other person or
                  entity that refinances some or all of the indebtedness owed by
                  Grantor to Foothill Capital Corporation."

                                       1
<PAGE>

         3. As a material inducement to Lender to enter into this Agreement to
modify the Loan and the Loan Documents, Grantor, on behalf of itself and its
successors, assigns, legal representatives and constituents (whether or not a
party hereto) (collectively and individually, "Obligors, et al."), hereby fully,
finally and completely RELEASES and FOREVER DISCHARGES Lender and its
successors, assigns, affiliates, subsidiaries, parents, officers, shareholders,
directors, employees, attorneys and agents, past, present and future, and their
respective heirs, successors and assigns (collectively and individually,
"Lender, et al.") of and from any and all claims, controversies, disputes,
liabilities, obligations, demands, damages, debts, liens, actions and causes of
action of any and every nature whatsoever relating to the Loan, and WAIVES and
RELEASES any defense, right of counterclaim, right of set-off or deduction to
the payment of the Loan and the other indebtedness evidenced by the Loan
Documents, as modified hereby, which Obligors, et al. now have or may claim to
have against Lender, et al. arising out of, connected with or relating to any
and all acts, omissions or events occurring prior to the execution of this
Agreement.

         4. As an additional material inducement to Lender to enter into this
Agreement to modify the Loan and the Loan Documents, Grantor hereby represents
and warrants to Lender that:

         (a)      the Loan Documents, as modified hereby, are in full force and
                  effect and are not in default and Grantor has no defense,
                  counterclaim or offset to the payment and performance of any
                  of its obligations in regard to the Loan or any of the Loan
                  Documents, as modified hereby;

         (b)      the representations and warranties of Grantor set forth in the
                  Loan Documents, as modified hereby, are true and correct in
                  all material respects as of the date hereof and are hereby
                  reaffirmed as if such representations and warranties had been
                  made on the date hereof and shall continue in full force and
                  effect; and

         (c)      this Agreement constitutes the legal, valid and binding
                  obligation of Grantor, enforceable against Grantor in
                  accordance with the terms hereof.

         The representations and warranties of Grantor contained in this
Agreement shall survive the consummation of the transactions contemplated by
this Agreement.

                                       2
<PAGE>

         5. Concurrently with the execution and delivery hereof, Grantor shall
cause to be issued to Lender a P9b3 endorsement to the Mortgagee Policy of Title
Insurance (the "Policy"), issued to Lender in regard to the Loan, in form and
substance satisfactory to Lender and its counsel which shall, without
limitation, insure that the Deed of Trust, as modified hereby, continues to
constitute a valid first priority lien on the Property subject only to the
Permitted Encumbrances, as defined in the Deed of Trust. On demand, Grantor
shall pay all closing costs and fees and expenses incurred by Lender in
connection with this Agreement and the transactions contemplated hereby,
including, without limitation, all premiums and other costs and expenses
relating to the endorsement of the Policy and Lender's reasonable attorneys'
fees and expenses.

         6. In addition to the documents, instruments and acts described in this
Agreement and which are to be executed and/or delivered and/or taken pursuant to
this Agreement, Grantor agrees to execute and deliver from time to time upon
request by Lender such other documents and instruments, and take such other
action, as Lender may request or require to more fully and completely evidence
and carry out the transactions contemplated by this Agreement and evidence and
confirm the authorization of Grantor to enter into this Agreement and make the
Prepayment.

         7. Grantor hereby affirms, confirms, ratifies, renews and extends the
debts, duties, obligations, liabilities, rights, titles, security interests,
liens, powers and privileges created or arising by virtue of the Deed of Trust
and the other Loan Documents, as modified hereby, until all of the Indebtedness
and Obligations, as each such term is defined in the Deed of Trust, have been
paid and performed in full. Grantor confirms that Lender has not released,
forgiven, discharged, impaired, waived or relinquished, and Lender does not
hereby release, forgive, discharge, impair, waive or relinquish any rights,
titles, interests, liens, security interests, collateral, parties, remedies or
any other matter with respect to the Loan, the Deed of Trust or any of the other
Loan Documents, but rather Lender is expressly retaining and reserving the same
to their fullest extent.

         8. Except as expressly provided herein, all the terms, provisions,
debts, duties, obligations, liabilities, representations, warranties, rights,
titles, security interests, liens, powers and privileges existing by virtue of
the Loan Documents shall be and continue in full force and effect and are hereby
acknowledged by Grantor to be legal, valid, binding and enforceable in
accordance with their terms.

         9. This Agreement shall be governed by and construed and enforced in
accordance with the laws of the State of Texas and the laws of the United States
applicable to transactions within Texas.

         10. This Agreement shall be binding upon the parties hereto and their
respective heirs, personal representatives, successors and assigns. Nothing
contained herein shall act to amend or modify any of the provisions of the Loan
Documents which restrict or prohibit assignment or transfer.

         11. Neither this Agreement nor any provision of any of the other Loan
Documents may be waived, modified or amended, except by an instrument in writing
signed by the party against which the enforcement of such waiver, modification
or amendment is sought, and then only to the extent set forth in such
instrument.

                                       3
<PAGE>

         EXECUTED as of the day and year first above written.

                                GRANTOR:

                                INTERVOICE, INC.,
                                a Texas corporation f/k/a InterVoice-Brite, Inc.

                                By:
                                    --------------------------------------------
                                    Rob-Roy J. Graham,
                                    Chief Financial Officer

                                LENDER:

                                BEAL BANK, S.S.B.,
                                a savings bank organized under the laws of
                                the State of Texas

                                By:
                                    --------------------------------------------
                                    Name:  William T. Saurenmann
                                    Title: Senior Vice President

                                       4
<PAGE>

THE STATE OF TEXAS         )
                           )
COUNTY OF COLLIN           )

         BEFORE ME, the undersigned authority, on this day personally appeared
Rob-Roy J. Graham, as Chief Financial Officer of INTERVOICE, INC., a Texas
corporation, on behalf of such corporation.

         GIVEN UNDER MY HAND AND SEAL OF OFFICE this ___ day of October, 2002.

                                     -------------------------------------------
                                     Notary Public in and for the State of Texas

My Commission Expires:

---------------------------

THE STATE OF TEXAS         )
                           )
COUNTY OF COLLIN           )

         BEFORE ME, the undersigned authority, on this day personally appeared
William T. Saurenmann, Senior Vice President of BEAL BANK, S.S.B., a savings
bank organized under the laws of the State of Texas, on behalf of such savings
bank.

         GIVEN UNDER MY HAND AND SEAL OF OFFICE this ___ day of October, 2002.

                                     -------------------------------------------
                                     Notary Public in and for the State of Texas

My Commission Expires:

--------------------------

                                       5

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