Document:

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                                                                  EXHIBIT (4.6)

                        MODIFICATION TO CREDIT AGREEMENT

         This Modification to Credit Agreement (this "Modification") dated the
3rd day of March, 2000 (this "Modification"), is made by and between WALL
STREET DELI, INC., a Delaware corporation ("Borrower") and AMSOUTH BANK, an
Alabama banking corporation ("Lender").

                                    RECITALS

         A.       Borrower and Lender have heretofore entered into that certain
Credit Agreement dated as of June 19, 1996, as amended by that certain Amended
and Restated Credit Agreement dated February 2, 1999, that certain Modification
to Credit Agreement dated October 25, 1999, that certain Modification to Credit
Agreement dated October 29, 1999, that certain Modification to Credit Agreement
dated November 30, 1999, and that certain Modification to Credit Agreement
dated January 27, 2000 (the "Credit Agreement") pursuant to which the Lender
agreed to make available to the Borrower a credit facility in the original
maximum principal amount of $4,000,000 as evidenced by that certain Master Note
from Borrower to Lender dated December 26, 1996, as amended by that certain
Amended and Restated Master Note dated February 1, 1999, and that certain Note
Modification Agreement dated October 25, 1999 (the "Note"). The Credit
Agreement and Note shall hereinafter collectively be referred to as the "Credit
Documents"). Capitalized terms used herein and not otherwise defined shall have
the meanings given to them in the Credit Documents.

         B.       Certain Events of Default have occurred under Section 6.1(d)
of the Credit Agreement in that the Borrower has defaulted in the performance
of the Tangible Net Worth Financial Covenant in Section 5.15(a) and the Debt
Service Coverage Ratio Financial Covenant in Section 5.15(c) of the Credit
Agreement.

         C.       Borrower has requested and Lender has agreed to extend the
Termination Date from February 29, 2000, to October 31, 2000, and to waive the
Events of Default enumerated in recital paragraph B above. As one of the
conditions of the waiver of the said Covenants, Lender requires the Borrower
modification of the Credit Agreement pursuant to the terms and conditions as
set forth herein.

                                   AGREEMENT

         NOW, THEREFORE, in consideration of the foregoing Recitals and other
good and valuable consideration, the Borrower and Lender agree as follows:

         1.       The Recitals herein are true and correct.

         2.       The Credit Agreement is hereby amended by deleting Section
1.2 (aj) in its entirety and inserting in lieu thereof the following:

                  (a)      TERMINATION DATE means October 31, 2000, the
                  maturity date of the Obligations, as such date may be
                  extended from time to time pursuant to Section 2.5 or
                  accelerated pursuant to Section 6.2.

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         3.       The Credit Agreement is hereby amended by deleting 2.3 (a) in
its entirety and inserting in lieu thereof the following:

                  (a)      The Note shall bear interest on the unpaid principal
                  balance of the amount advanced thereunder from the date
                  advanced until payment in full at the rate of two percentage
                  points (200 basis points) in excess of the Prime Rate per
                  annum. All such accrued and unpaid interest shall be payable
                  monthly on the first day of each month in each year,
                  commending March 1, 2000, and until payment in full. Interest
                  will be computed on an Annual/360 Day Basis. Any change in
                  the interest rate on the Note because of a change in the
                  Prime Rate shall take effect on the effective date of such
                  change in the Prime Rate as announced to the Lender without
                  notice to the Borrower and without any further action by the
                  Lender. Notwithstanding the foregoing, at such time as
                  Borrower has provided evidence satisfactory to Lender that
                  the Borrower has achieved and maintained a Current Ratio (as
                  hereinafter defined) of greater than 1.0 to 1.0 for a period
                  of at least one fiscal quarter, the interest rate in the Note
                  shall be decreased to a rate equal to one percentage point
                  (100 basis points) in excess of the Prime Rate per annum. In
                  the event that the Current Ratio falls below 1.0 to 1.0 for
                  any fiscal quarter after such a decrease in the interest
                  rate, the interest rate in the Note shall be increased to the
                  rate of two percentage points (200 basis points) in excess of
                  the Prime Rate per annum.

         4.       The Credit Agreement is hereby amended by deleting Section
5.15(a) in its entirety and inserting in lieu thereof the following:

                  (a)      TANGIBLE NET WORTH. Not permit its tangible Net
                  Worth to be at any time less than $8,500,000, determined on a
                  quarterly basis.

         5.       The Credit Agreement is hereby amended by deleting Section
5.15(b) in its entirety and inserting in lieu thereof the following:

                  (b)      CAPITAL EXPENDITURES. Not make in the aggregate in
                  any consecutive four fiscal quarters Capital Expenditures
                  that exceed $4,000,000.

         6.       The Credit Agreement is hereby amended by deleting Section
5.15(c) in its entirety and inserting in lieu thereof the following:

                  (c)      DEBT SERVICE COVERAGE RATIO. Not permit its ratio of
                  Net Income Available for Debt Service for any four
                  consecutive fiscal quarters to (i) Interest Expense and
                  Operating Lease Payments for such period plus (ii) Principal
                  Maturities for the next succeeding four fiscal quarters
                  following the date of determination plus (iii) 20% of the
                  outstanding Obligations as of the date of determination to be
                  less than 2.0 to 1.0 at any time. Debt Service Coverage Ratio
                  shall be tested each fiscal quarter commencing July 1,2000.

         7.       The Credit Agreement is hereby amended by adding the
following as Section 5.15(o) thereto:

                  CURRENT RATIO. Maintain at all times a Current Ratio of at
                  least 0.65 to 1.0. As used herein, "Current Ratio" shall mean
                  the ratio of (a) Current Assets to (b) Current Liabilities.
                  Current Ratio shall be tested each fiscal quarter. As used
                  herein, "Current Assets" shall mean, at any date, the amount
                  which, in conformity with GAAP consistent with the 1999
                  presentation,

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                  would be set forth opposite the caption "total current
                  assets" (or any like caption) on Borrower's balance sheet. As
                  used herein "Current Liabilities" shall mean, at any date,
                  the amount which, in conformity with GAAP consistent with the
                  1999 presentation, would be set forth opposite the caption
                  "total current liabilities" (or any like caption) on
                  Borrowers balance sheet.

         8.       The Credit Agreement is hereby amended by adding the
following as Section 5.15(p) thereto:

                  EBITDA. Not permit EBITDA to be less than $1,600,000 for any
period of four consecutive fiscal quarters. EBITDA shall be tested each quarter
commencing July 1, 2000. As used herein, "EBITDA" shall mean Borrower's
earnings before interest, taxes, depreciation, amortization and non-cash
charges arising from SFAS 121 (Impairment of Long Term Assets).

         9.       The Credit Agreement is hereby amended by adding the
following as Section 5.15(q) thereto:

                  RATIO OF EBITDA TO DEBT. Maintain a ratio of EBITDA to total
                  Debt of Borrower of at least 0.25 to 1.0 at all times. The
                  ratio of EBITDA to Debt shall be tested each fiscal quarter
                  commencing July 1, 2000.

         10.      Borrower also agrees to pay the Lender a $6,000.00 renewal
and modification fee and to directly pay and reimburse the Lender for all
expenses, including the reasonable fees and expenses of legal counsel, incurred
by the Lender in connection with the preparation of the documentation to
evidence this Modification.

         11.      Borrower represents and warrants to the Lender that all
representations and warranties given by the Borrower to the Lender in Article
III of the Credit Agreement are true and correct as of the date hereof, except
to the extent affected by this Modification.

         12.      Except as herein modified, the Credit Agreement shall remain
in full force and effect, and the Credit Agreement as so modified, is hereby
ratified and affirmed in all respects. The Borrower confirms that it has no
offsets or defenses with respect to its obligations pursuant to the Credit
Agreement, as herein modified, and represents that this Modification has been
duly authorized, executed and delivered pursuant to all necessary action of the
Borrower.

         13.      This Modification shall inure to the benefit of and be
binding upon the parties hereto, and their respective successors and assignors.

         14.      This Modification may be executed in counterparts, each of
which shall be an original, but all of which when taken together shall
constitute one and the same instrument.

         15.      The Borrower irrevocably (a) acknowledges that this
Modification will be accepted by the Lender and performed by the Borrower in
the State of Alabama; (b) submits to the jurisdiction of each state or federal
court sitting in Jefferson County, Alabama (collectively, the "Courts") over
any suit, action or proceeding arising out of or relating to this Modification
or any of the other Credit Documents (an "Action"); (c) waives, to the fullest
extent permitted bylaw, any objection or defense that the Borrower may now or
hereafter have based on improper venue, lack of personal jurisdiction,
inconvenience of forum or any similar matter in any Action brought in any of
the Courts; (d) agrees that final judgment in any Action brought in any

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of the Courts shall be conclusive and binding upon the Borrower and may be
enforced in any other court to the jurisdiction of which the Borrower is
subject, by a suit upon such judgment; (e) consents to the service of process
on the Borrower in any Action by the mailing of a copy thereof by registered or
certified mail, postage prepaid, to the Borrower at the Borrower's address
designated in or pursuant to Section 7.1; (f) agrees that service in accordance
with Section 7.14(e) of the Credit Amendment shall in every respect be
effective and binding on the Borrower to the same extent as though served on
the Borrower in person by a person duly authorized to serve such process; and
(g) AGREES THAT THE PROVISIONS OF THIS PARAGRAPH, EVEN IF FOUND NOT TO BE
STRICTLY ENFORCEABLE BY ANY COURT, SHALL CONSTITUTE "FAIR WARNING" TO THE
BORROWER THAT THE EXECUTION OF THIS MODIFICATION MAY SUBJECT THE BORROWER TO
THE JURISDICTION OF EACH STATE OR FEDERAL COURT SITTING IN JEFFERSON COUNTY,
ALABAMA WITH RESPECT TO ANY ACTIONS, AND THAT IT IS FORESEEABLE BY THE BORROWER
THAT THE BORROWER MAY BE SUBJECTED TO THE JURISDICTION OF SUCH COURTS AND MAY
BE SUED IN THE STATE OF ALABAMA IN ANY ACTIONS. Nothing in this Paragraph shall
limit or restrict the Lender's right to serve process or bring ACTIONS in
courts otherwise than as herein provided.

         16.      The exercise by the Lender of any option given to it under
the Credit Agreement shall not constitute a waiver of the right to exercise any
other option. No failure or delay on the part of the Lender in exercising any
right, power or remedy under the Credit Agreement shall operate as a waiver
thereof, nor shall any single or partial exercise of any such right, power or
remedy preclude any further exercise thereof or the exercise of any other
right, power or remedy.

         17.      This Modification shall inure to the benefit of and be
binding upon the parties hereto and their respective successor and assigns.

         18.      Inapplicability or unenforceability of any provisions of this
Modification shall not limit or impair the operation or the validity of any
other provision of this Modification.

         IN WITNESS WHEREOF, the parties have caused this Modification to be
duly executed under seal as of the day and year first above written.

                           BORROWER:

                           WALL STREET DELI, INC., a Delaware corporation

                           By:    /s/    Jeffrey V. Kaufman
                              -------------------------------------------------
                                 Printed Name:  Jeffrey V. Kaufman
                                 Title:  Chief Executive Officer
                                                         [Affix corporate seal]

                                 Attest:     /s/   Thomas J. Sandeman
                                        ---------------------------------------
                                         Printed Name:  Thomas J. Sandeman
                                         Title:  Chief Financial Officer

                                                         [Affix corporate seal]

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STATE OF ALABAMA)
COUNTY OF JEFFERSON  )

         I, the undersigned, a Notary Public in and for said County, in said
State, hereby certify that Jeffrey V. Kaufman whose name as CEO of Wall Street
Deli, Inc., a Delaware corporation, is signed to the foregoing instrument, and
who is known to me, acknowledged before me on this day that, being informed of
the contents of the instrument. s/he, as such officer and with full authority,
executed the same voluntarily on the day the same bears date.

         Given under my hand and official seal, this 3rd day of March, 2000.

                                   /s/   Denise A. Mitchell
                                 ----------------------------------------------
                                 Notary Public
                                 My commission expires:  Notary Public State of
                                 Alabama at Large My Commission Expires: Feb 4,
                                 2004 bonded thru Notary Public Underwriters

                          LENDER:

                          AMSOUTH BANK, an Alabama banking corporation

                          By:    /s/  Darlene E. Chandler
                             --------------------------------------------------
                                 Printed Name:  Darlene E. Chandler
                                 Title:  Vice President

STATE OF ALABAMA)
COUNTY OF JEFFERSON    )

         I, the undersigned, a Notary Public in and for said County, in said
State, hereby certify that Darlene E. Chandler , whose name as Vice President
of AmSouth Bank, an Alabama banking corporation, is signed to the foregoing
instrument, and who is known to me, acknowledged before me on this day that.
being informed of the contents of the instrument, s/he, as such officer and
with full authority, executed the same voluntarily On the day the same bears
date.

         Given under my hand and official seal, this 8 day of March, 2000.

                                      /s/   Patricia Mason
                                  ---------------------------------------
                                  Notary Public
                                  My commission expires: 4/13/2003

                                      56<PAGE>   1

                               FIRST AMENDMENT TO
                         COMMON STOCK PURCHASE AGREEMENT
                  BY AND AMONG AFFINITY TECHNOLOGY GROUP, INC.
                             AND REDMOND FUND, INC.

                  WHEREAS, Affinity Technology Group, Inc., a Delaware
corporation (the "Company"), entered into a Common Stock Purchase Agreement
dated as of June 2, 2000, by and between it and Redmond Fund, Inc., a Nevada
corporation (the "Purchaser");

                  WHEREAS, under such Agreement, Purchaser purchased shares of
common stock of the Company, and was granted warrants to purchase additional
shares of common stock of the Company;

                  WHEREAS, Purchaser and the Company agreed that indemnification
should be provided to the Purchaser as to the filing of registration statements
by the Company in connection with the shares of common stock of the Company held
by the Purchaser;

                  WHEREAS, the parties wish to reflect such agreement by
amending the Common Stock Purchase Agreement as follows:

                  Section 5 shall be amended by inserting a new Subsection 5.3
after Subsection 5.2 to read in its entirety as follows:

                  "5.3     Indemnification. The Company shall indemnify the
         Purchaser, each of its officers, directors and partners, legal counsel
         and accountants and affiliates of the Purchaser (collectively the
         "Connected Persons"), with respect to any registration which has been
         effected pursuant to this Section 5, against all expenses, claims,
         losses, damages and liabilities (or actions or proceedings in respect
         thereof) arising out of or based on any untrue statement (or alleged
         untrue statement) of a material fact contained in any registration
         statement or prospectus, or based on any omission (or alleged omission)
         to state therein a material fact required to be stated therein or
         necessary to make the statements therein not misleading. The Company
         shall reimburse the Purchaser and the Connected Persons for any legal
         and other expenses reasonably incurred in connection with investigating
         and defending or settling (with the Company's consent) any such claim,
         loss, damage, liability or action. Notwithstanding the foregoing, the
         Company will not be liable hereunder in any such case to the extent
         that such arises out of or is based on any untrue statement or omission
         of information furnished to the Company in writing by the Purchaser or
         such Connected Person."

         WHEREAS, the parties also desire to amend Section 10.1 of the Agreement
to extend the period during which the Purchaser shall have completed its due
diligence investigation from September 3, 2000 to October 3, 2000.

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         All other terms of the Stock Purchase Agreement shall remain unchanged.

         Executed by the parties as of the 1st day of September 2000.

                                    AFFINITY TECHNOLOGY GROUP, INC.
                                    A Delaware Corporation

                                    By:    /s/Joseph A. Boyle
                                           -------------------------------------

                                    Title: President and Chief Executive Officer
                                           -------------------------------------

                                    REDMOND FUND, INC.
                                    A Nevada Corporation

                                    By:    /s/Riley D. Evans
                                           -------------------------------------

                                    Title: Chief Executive Officer
                                           -------------------------------------

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