FIRST AMENDMENT TO
THIS FIRST AMENDMENT TO CREDIT AGREEMENT ("Amendment") is made and entered into as of the
1st day of March, 1997, among BILLING INFORMATION CONCEPTS, INC., a Delaware corporation
("Borrower" ); BILLING INFORMATION CONCEPTS CORP., a Delaware corporation ("Parent
Company"); ENHANCED SERVICES BILLING, INC., a Delaware corporation ("ESBI") (Parent Company
and ESBI, collectively, the "Guarantors"); and THE FROST NATIONAL BANK, a national banking
association, individually, as the Issuing Bank and as the Agent, THE BOATMEN'S NATIONAL BANK OF
ST. LOUIS, a national banking association, individually, and each of the lenders which becomes a party to the
Credit Agreement as provided in Section 10.7 thereof (individually, a "Bank" and collectively, the "Banks").
A. Borrower, Parent Company, the Agent, the Issuing Bank and the Banks have heretofore entered into the
Credit Agreement dated as of December 20, 1996 (as amended, modified, restated and supplemented from time
to time, the "Credit Agreement").
B. Borrower, Parent Company and the Banks desire to amend the Credit Agreement to increase the amount
which Borrower may loan to its customers pursuant to Advanced Payment Agreements.
NOW, THEREFORE, in consideration of the premises and mutual covenants herein contained, and for other
good, fair and valuable considerations, the receipt and sufficiency of which are hereby acknowledged, the parties
hereto agree that the terms and provisions of the Original Credit Agreement are amended and restated as follows:
1. Defined Terms and Related Matters.
(a) Unless otherwise defined herein, the capitalized terms used herein which are defined in the Credit Agreement
shall have the meanings specified therein.
(b) The words "hereof", "herein" and "hereunder" and words of similar import when used in this Amendment shall
refer to this Amendment as a whole and not to any particular provision of this Amendment.
2. Amendments. Section 6.5(v