Document:

<PAGE>

                                                                Exhibit 10.47(c)

                                 AMENDMENT NO. 1
                                       TO
                       AMENDED AND RESTATED LOAN AGREEMENT

         Amendment No. 1, dated January 18, 2000, to Amended And Restated Loan
Agreement dated as of April 20, 1999 (as amended, supplemented or modified from
time to time the "Loan Agreement"), by and between National Wireless Holdings
Inc., a Delaware corporation ("Lender") and Electronic Data Submission Systems,
Inc., a Delaware corporation ("Borrower")

         WHEREAS, Borrower and Lender wish to increase the credit available
under this Loan Agreement as a bridge to a proposed long term debt or equity
financing of the Borrower from third parties, which may include banks (the
"Proposed Financing"), and

         WHEREAS, the parties wish to amend the Loan Agreement to reflect this
transaction,

         NOW THEREFORE, in consideration of the mutual promises, representations
and warranties contained herein, and subject to the conditions set forth herein,
the parties hereto hereby agree that:

         1.       The following definitions set forth in Section 1.1 of the Loan
Agreement be, and they hereby are, amended to read, in their entirety, as
follows:

                  "Commitment" - the obligation of National to make Loans
         hereunder in the aggregate principal amount at any one time outstanding
         equal to the sum of (i) the Initial Commitment and (ii) the Bridge
         Commitment. "Bridge Commitment" shall mean up to One Million Dollars
         ($1,000,000) until the earlier of January 18, 2001and the date on which
         the Proposed Financing occurs, and thereafter Zero Dollars ($0).
         "Initial Commitment" shall mean up to One Million Eight Hundred
         Thousand Dollars ($1,800,000).

                  "Note" - the Note and the Bridge Note, as defined in
subsection 2.4(a) hereof.

         2.       Section 2.4 of the Loan Agreement be, and it hereby is,
amended to read, in its entirety, as follows:

         Section 2.4.      NOTES.

                  (a) The Loans in respect of the Initial Commitment shall be
         evidenced by a single promissory note of the Borrower in substantially
         the form of Exhibit A annexed

<PAGE>

         hereto (the "Note"), dated the date hereof, payable to the order of
         National, in a principal amount equal to the Initial Commitment and
         otherwise duly completed. The Loans in respect of the Bridge Commitment
         shall be made only in accordance with a budget approved from time to
         time by the Lender and shall be evidenced by a single promissory note
         of the Borrower in substantially the form of Exhibit K annexed hereto
         (the "Bridge Note"), dated January 14, 2000, payable to the order of
         National, in a principal amount equal to the Bridge Commitment as
         originally in effect and otherwise duly completed. The Obligations
         pursuant to the Bridge Note shall be prepaid in full prior to payment
         of any other Obligations.

                  (b) All Loans made by National hereunder in respect of the
         Initial Commitment and all payments and prepayments made on account of
         the principal thereof, shall be recorded by National on the schedule
         attached to the Note (provided that any failure by National to make any
         such notation shall not affect the obligations of the Borrower
         hereunder or under the Note in respect of the Loans). All Loans made by
         National hereunder in respect of the Bridge Commitment and all payments
         and prepayments made on account of the principal thereof, shall be
         recorded by National on the schedule attached to the Bridge Note
         (provided that any failure by National to make any such notation shall
         not affect the obligations of the Borrower hereunder or under the
         Bridge Note in respect of the Loans).

         3.       Section 2.5(a) of the Loan Agreement be, and it hereby is,
amended to read, in its entirety, as follows:

         Section 2.5.      PAYMENT OF LOANS.

                  (a) Subject to earlier prepayment as herein provided or as
         provided in the Bridge Note, the Borrower shall pay to National the
         aggregate principal amount of the Loans outstanding on the Commitment
         Termination Date, in twenty-three (23) consecutive equal monthly
         installments commencing on the Commitment Termination Date and on the
         last day of each month thereafter to and including March 31, 2003, when
         all principal with respect to the Loans shall be due and payable.

         4.       Section 2.9 of the Loan Agreement be, and it hereby is,
amended to read, in its entirety, as follows:

         Section 2.9.      PROPOSED FINANCING; FEE FOR BRIDGE COMMITMENT.

                  (a) Each of the parties agrees to use its reasonable best
         efforts to complete the Proposed Financing and to cause the prepayment
         of the Bridge Note on or prior to the date that the Bridge Note becomes
         due and payable.

                  (b) In consideration of the Bridge Commitment, the Borrower
         agrees to issue to National, simultaneously with the execution hereof,
         the warrant in the form

<PAGE>

         attached hereto as Exhibit L (the "Warrant"). The issuance of the
         Warrant has been duly and validly authorized and when issued in
         accordance with the terms hereof constitutes the valid and binding
         obligation of the Borrower, in full force and effect and enforceable in
         accordance with its terms, subject to applicable bankruptcy,
         insolvency, moratorium or other similar laws relating to creditors'
         rights and general principles of equity. The issuance of securities
         (the "Underlying Shares") issuable upon exercise of the Warrant has
         been duly authorized and the Underlying Shares have been, and at all
         times prior to such conversion or exercise will have been, duly
         reserved for issuance upon such conversion or exercise and, when so
         issued, will be validly issued, fully paid and non-assessable.

         5.       Exhibits K and L attached hereto shall be deemed to be
Exhibits K and L to the Loan Agreement and a part thereof.

         6.       Except as expressly amended hereby, all terms and conditions
of the Loan Agreement and all other Loan Documents remain in full force and
effect. All collateral security and guarantees in connection with the Loan
Agreement and/or the Loan Documents are hereby confirmed and ratified in all
respects. The execution, delivery and performance of this letter amendment has
been duly authorized by the Borrower and is the valid, binding and enforceable
obligation of Borrower, enforceable in accordance with its terms.

         7.       The Lender reserves all of Lender's rights with respect to any
breaches, defaults, or other matters in existence in connection with the Loan
Agreement, and the execution and delivery of this letter amendment shall not
affect any of the rights of Lender with respect thereto.

         8.      Capitalized terms used but not defined herein shall have the
meaning set forth in the Loan Agreement.

         9.       Each of the parties (i) acknowledges that Hahn & Hessen LLP
has acted, and from time to time continues to act, as counsel to Lender, or
affiliates thereof, as well as to Borrower, (ii) consents to the representation
of the Borrower and such other representation of Lender by Hahn & Hessen LLP and
(iii) waives any conflicts of interest claim which may arise therefrom.

         10.      This Amendment No. 1 may be executed in counterparts, each of
which shall constitute an original but all of which when taken together shall
constitute one contract, and shall become effective when copies hereof which,
when taken together, bear the signatures of each of the parties hereto shall be
delivered to the undersigned. Delivery of an executed counterpart of a signature
page to this Amendment No. 1 by fax shall be as effective as delivery of a
manually executed signature page hereto.

<PAGE>

         IN WITNESS WHEREOF, the parties have executed this Amendment No. 1 as
of the date first above set forth.

                                                NATIONAL WIRELESS HOLDINGS
                                                INC.

                                                By: /s/ Terrence S. Cassidy
                                                Title: President

AGREED:

ELECTRONIC DATA SUBMISSION SYSTEMS, INC.

By: /s/ Joseph D. Truscelli
Title: President

THE UNDERSIGNED LOAN PARTY HEREBY CONFIRMS THAT ALL GUARANTY AND OTHER
AGREEMENTS FURNISHED BY THE UNDERSIGNED WITH RESPECT TO THE OBLIGATIONS UNDER
THE LOAN AGREEMENT REMAIN IN FULL FORCE AND EFFECT AFTER GIVING EFFECT TO THE
FOREGOING AMENDMENT.

/s/ Joseph D. Truscelli
Joseph D. Truscelli<PAGE>

                                                                Exhibit 10.47(d)

                                    EXHIBIT K
                     TO AMENDED AND RESTATED LOAN AGREEMENT
                                 BY AND BETWEEN
                    ELECTRONIC DATA SUBMISSION SYSTEMS, INC.
                       AND NATIONAL WIRELESS HOLDINGS INC.

                                   BRIDGE NOTE

                                                              New York, New York
                                                                January 18, 2000

$1,000,000

         FOR VALUE RECEIVED, the undersigned, Electronic Data Submission
Systems, Inc., a Delaware Corporation, (the "Borrower"), hereby promises to pay
to the order of National Wireless Holdings Inc., a Delaware Corporation
("National"), at the Principal Office of National or at such other place as
National may from time to time designate to Borrower in writing, (a) the lesser
of (i) the principal sum of ONE MILLION DOLLARS ($1,000,000.00) or (ii) the
aggregate principal amount of all Loans outstanding in respect of the Bridge
Commitment under the Loan Agreement hereinafter referred to, in lawful money of
the United States of America and in immediately available funds, on the dates
and pursuant to the terms of the Loan Agreement, but in any event no later than
the earlier to occur of January 18, 2001 and the date on which a long term debt
or equity financing of Borrower occurs, and (b) interest on the unpaid principal
amount of each Loan, in like money and funds, for the period commencing on the
date of such Loan until such Loan shall be paid in full, at the rates per annum
and on the dates provided in the Loan Agreement. In no event shall interest
exceed the maximum interest rate permitted by law.

         The Borrower shall pay interest on the Loans or any installment
thereof, and on any other amount payable by the Borrower hereunder (to the
extent permitted by law) which shall not be paid in full when due (whether by
demand, by acceleration or otherwise) for the period commencing on the due date
thereof until the same is paid in full at the applicable Post Default Rate (as
defined in the Loan Agreement) and all such interest shall be payable upon
demand.

         National is hereby authorized by the Borrower to record on the schedule
annexed to this Note (or on a supplemental schedule thereto) the amount of each
Loan made by National under the Loan Agreement and the amount of each payment or
prepayment of principal of each Loan received by National applicable to this
Note, it being understood, however, that failure to make any such notation shall
not affect the rights of National or the obligations of the Borrower hereunder
or under the Loan Agreement in respect of such Loans.

<PAGE>

         This Note is the Bridge Note referred to in the Amended and Restated
Loan Agreement, dated April 20, 1999, (as amended, restated, modified and
supplemented, the "Loan Agreement") by and between the Borrower and National and
evidences Loans made by National thereunder. This Note is secured in the manner
described in the Loan Agreement and in the Security Agreement. Capitalized terms
used in this Note have the respective meanings assigned to them in the Loan
Agreement.

         If an Event of Default occurs which has not been cured within any
applicable cure period, the principal hereof, accrued interest and all accrued
fees hereon shall become, or may be declared to be, forthwith due and payable in
the manner, upon the conditions and with the effect provided in the Loan
Agreement.

         The Borrower may at its option prepay all or any part of the principal
of this Note before maturity upon the terms provided in the Loan Agreement.

         The Borrower agrees to pay costs of collection and reasonable
attorneys' fees and disbursements in case default occurs in the payment of this
Note.

ELECTRONIC DATA SUBMISSION SYSTEMS, INC.

By /s/ Joseph D. Truscelli
      Its President

<PAGE>

                             SCHEDULE TO BRIDGE NOTE

         This Note evidences Loans made under the within described Loan
Agreement in respect of the Bridge Commitment, in the principal amounts and on
the dates set forth below, subject to the payments or prepayments of principal
set forth below:

                     Principal              Principal Amount         Balance
Date Made            Amount of Loan         Paid or Prepaid          Outstanding
---------            --------------         ---------------          -----------

Source: [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00000-of-00352.parquet"}, [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00000-of-00352.parquet"}]]