Document:

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                                                                    EXHIBIT 10.2

                              FIRST AMENDMENT TO
                              ------------------
                                CREDIT AGREEMENT
                                ----------------

     THIS FIRST AMENDMENT TO CREDIT AGREEMENT (this "Amendment") is entered into
                                                     ---------
as of July 31, 2000, by and between DATA RETURN CORPORATION ("Borrower") and
                                                              --------
BANK ONE, TEXAS, NATIONAL ASSOCIATION ("Bank").
                                        ----

     WHEREAS, Borrower and Bank entered into that certain Credit Agreement dated
as of December 29, 1999 (the "Loan Agreement"); and
                              --------------

     WHEREAS, the Loan Agreement currently governs Borrower's revolving line of
credit in the maximum amount of $2,000,000.00 (the "Loan"), as currently
                                                    ----
evidenced by that certain promissory note dated December 29, 1999 payable by
Borrower to the order of Bank in the stated principal amount of $2,000,000.00
(the "Note"); and
      ----

     WHEREAS, the Loan Agreement, the Note and all other documents evidencing,
securing, governing and/or pertaining to the Note are hereinafter referred to
collectively as the "Loan Documents"; and
                     --------------

     WHEREAS, the parties hereto now desire to modify the Loan Agreement as
hereinafter provided;

     NOW, THEREFORE, in consideration of the mutual covenants, representations,
warranties, and agreements contained herein, and for other valuable
consideration, the receipt and legal sufficiency of which are hereby
acknowledged, the parties hereto agree as follows:

                                   ARTICLE I

                                  Definitions
                                  -----------

     Section 1.01  The terms used in this Amendment to the extent not otherwise
defined herein shall have the same meanings as in the Loan Agreement.

                                   ARTICLE II

                                   Amendment
                                   ---------

     Section 2.01  Effective as of the date hereof, the second sentence in
Paragraph 1 of the Loan Agreement is amended by changing July 31, 2000 to July
31, 2001.

FIRST AMENDMENT TO CREDIT AGREEMENT - Page 1
-----------------------------------
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                                  ARTICLE III

                                      Note
                                      ----

     Section 3.01  Contemporaneously with the execution hereof, Borrower agrees
to execute and deliver to Bank a promissory note (the "Renewal Note") in the
                                                       ------------
stated principal amount of $2,000,000.00, in form and substance satisfactory to
Bank, in renewal and extension of the Note.

                                   ARTICLE IV

          Representations, Warranties, Ratification and Reaffirmation
          -----------------------------------------------------------

     Section 4.01  Borrower hereby represents and warrants that: (i) the
representations and warranties contained in the Loan Agreement are true and
correct on and as of the date hereof as though made on and as of the date
hereof, (ii) no event has occurred and is continuing that constitutes an Event
of Default or would constitute an Event of Default but for the requirement of
notice or lapse of time or both, and (iii) there are no claims or offsets
against, or defenses or counterclaims to, the Note, the indebtedness evidenced
thereby or the liens securing same (including without limitation, any defenses
or offsets resulting from or arising out of breach of contract or duty, the
amount of interest charged, collected or received on the Note heretofore, or
breach of any commitments or promises of any type).

     Section 4.02  The terms and provisions set forth in this Amendment shall
modify and supersede all inconsistent terms and provisions set forth in the Loan
Agreement, but except as expressly modified and superseded by this Amendment,
the terms and provisions of the Loan Agreement are ratified and confirmed and
shall continue in full force and effect, Borrower hereby agreeing that the Loan
Agreement and the other Loan Documents are and shall continue to be outstanding,
validly existing and enforceable in accordance with their respective terms.

                                   ARTICLE V

                                 Miscellaneous
                                 -------------

     Section 5.01  Each of the Loan Documents is hereby amended so that any
reference in the Loan Documents to the Loan Agreement shall mean a reference to
the Loan Agreement as amended hereby.

     Section 5.02  This Amendment may be executed simultaneously in one or more
counterparts, each of which shall be deemed an original, but all of which
together shall constitute one and the same instrument.

     Section 5.03  This Amendment shall be binding upon and inure to the benefit
of the parties hereto and their respective successors and assigns.

FIRST AMENDMENT TO CREDIT AGREEMENT - Page 2
-----------------------------------
<PAGE>

     Section 5.04  THE LOAN AGREEMENT, AS AMENDED BY THIS AMENDMENT, THE RENEWAL
NOTE, AND THE OTHER LOAN DOCUMENTS REPRESENT THE FINAL AGREEMENT BETWEEN THE
PARTIES AND MAY NOT BE CONTRADICTED BY EVIDENCE OF PRIOR, CONTEMPORANEOUS, OR
SUBSEQUENT ORAL AGREEMENTS OF THE PARTIES.  THERE ARE NO UNWRITTEN ORAL
AGREEMENTS BETWEEN THE PARTIES.

     EXECUTED as of the date first above written.

                              BORROWER:
                              --------

                              DATA RETURN CORPORATION

                              By:  /s/ Stuart A. Walker
                                   -----------------------------------------
                              Name:  Stuart A. Walker
                              Title: Senior Vice President - Chief Financial
                              Officer

                              BANK:
                              ----

                              BANK ONE, TEXAS, NATIONAL ASSOCIATION

                              By:   /s/ Mike Meredith
                                   -----------------------------------------
                              Name:   Mike Meredith
                                   -----------------------------------------
                              Title:  Vice President
                                   -----------------------------------------

FIRST AMENDMENT TO CREDIT AGREEMENT - Page 3
-----------------------------------<PAGE>

                                                                    EXHIBIT 10.1

                              DEMAND NOTE PAYABLE

$400,000                                            As of September 14, 2000

For value received, the undersigned Axcess Inc. (the "Maker") promises to pay ON
DEMAND, in immediately available funds, to the order of incuVest LLC
(hereinafter referred to as the "Payee"), at the office of  Payee located at 590
Madison Avenue New York, New York 10022, the principal sum of Four Hundred
Thousand ($400,000.00) plus 9.5% interest plus such additional amounts
(including interest) as may be shown on a Schedule of Advances annexed hereto
and acknowledges in writing by the maker ("Principal").

Notwithstanding anything to the contrary set forth herein, the entire unpaid
Principal is subject to mandatory prepayment in the event of any liquidation,
dissolution or winding up of the Maker.  The consolidation or merger of the
Maker into or with any other entity or entities, or the sale or lease, exchange
or other transfer by the Maker into or with any other entity or entities, or the
sale, lease, exchange or other transfer by the Maker of all or substantially all
of its assets, or dissolution without reconstitution of the Maker of this Note,
appointment of a receiver of any part of the property of , assignment for the
benefit of creditors by, or commencement of any proceeding under the United
States Bankruptcy Code or any insolvency laws by or against the Maker, shall be
deemed to be a liquidation, dissolution or winding up of the Maker within the
meaning of the provisions of this paragraph.

This Note may be prepaid in whole or in part at any time without premium or
penalty.

The Principal outstanding under this Note may convert at any time, at the
election of the Payee, into securities of the Maker.

Every maker, endorser and guarantor hereof or of the indebtedness evidenced
hereby (a) waives notice of and consents to any and all advances, settlements,
compromises, favors and indulgences (including, without limitation, any
extension or postponement of the time for payment), and any and all additions,
substitutions and releases of any person primarily or secondarily liable, (b)
waives presentment, demand, notice, protest and all other demands, notices and
suretyship defenses generally, in connection with the delivery, acceptance,
performance, default or enforcement of or under this Note, and (c) agrees to
pay, to the extent permitted by law, all costs and expenses, including, without
limitation, reasonable attorneys' fees, incurred or paid by the Payee in
enforcing this Note and any collateral or security therefor on default, whether
or not litigation is commenced.

No delay or omission of the Payee in exercising any right or remedy hereunder
shall constitute a waiver of any such right or remedy.  Acceptance by the Payee
of any payment after the acceleration shall not be deemed a waiver of such
acceleration. A waiver on one occasion shall not operate as a bar to or waiver
of any such right or remedy on any future occasion on any future occasion.

The Maker represents that this Note has been duly executed and delivered and
constitutes a legal, valid and binding obligation of the Maker, enforceable
against the Maker in accordance with its terms.  The execution, delivery and
performance of this Note does not and will not violate or conflict with, result
in a breach of, or constitute a default under, any applicable law or any
indenture, agreement, or other contractual restriction, or instrument to which
the Maker is a party, or all such violations, conflicts, breaches, or defaults
have been duly waived.

This Note shall take effect as an instrument under seal and shall be governed
and construed in accordance with the laws of the New York.

                                AXCESS INC.

                                By:  /S/ JAMES R. CRAIG
                                   -----------------------------------------
                                   James R. Craig, Chief Financial Officer
                                   and Secretary
<PAGE>

                             SCHEDULE OF ADVANCES

     This Schedule supplements the Note dated September 14, 2000 by and between
AXCESS INC. as Maker and incuVest LLC as Payee. The Maker hereby acknowledges
receipt of the advances in the amount and on the dates set forth below, all of
which shall be included as "Principal" under, and be governed by the terms and
conditions of, said Note.

<TABLE>
<CAPTION>

Date of Advance    Amount of Advance      % Interest            Receipt Acknowledged
<S>                <C>                    <C>                   <C>
09/29/00                    $522,850      9.5%                  By:     /S/ JAMES R. CRAIG
                                                                   -----------------------------------------------------
                                                                James R. Craig, Chief Financial Officer and Secretary

10/06/00                    $ 68,200      9.5%                  By:     /S/ JAMES R. CRAIG
                                                                   -----------------------------------------------------
                                                                   James R. Craig, Chief Financial Officer and Secretary

10/13/00                    $242,200      9.5%                  By:     /S/ JAMES R. CRAIG
                                                                   -----------------------------------------------------
                                                                   James R. Craig, Chief Financial Officer and Secretary

10/20/00                    $ 68,200      9.5%                  By:     /S/ JAMES R. CRAIG
                                                                   -----------------------------------------------------
                                                                   James R. Craig, Chief Financial Officer and Secretary

10/27/00                    $ 68,200      9.5%                  By:     /S/ JAMES R. CRAIG
                                                                   -----------------------------------------------------
                                                                   James R. Craig, Chief Financial Officer and Secretary

11/01/00                    $245,200      9.5%                  By:     /S/ JAMES R. CRAIG
                                                                   -----------------------------------------------------
                                                                   James R. Craig, Chief Financial Officer and Secretary

11/10/00                     $68,200      9.5%                  By:     /S/ JAMES R. CRAIG
                                                                   -----------------------------------------------------
                                                                   James R. Craig, Chief Financial Officer and Secretary
</TABLE>

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