Exhibit 10.4 OVERTON BANK AND TRUST, N.A. SOUTH ARLINGTON OFFICE CURTIS F. VON DER AHE President December 5, 1997 Mr. Tom Hoefert, CFO InnoServ Technologies, Inc. 4330 Beltway #300 Arlington, TX. 76018 REFERENCE: LOAN AGREEMENT DATED APRIL 14, 1997 COVENANT VIOLATIONS. Dear Mr. Hoefert, You have indicated that InnoServ is in violation of the Minimum Tangible Net Worth covenant as outline in the loan agreement referenced above. We hereby waive compliance with this covenant and re-set the covenant as follows: Minimum Tangible Net Worth $2,750,000 If you require anything else, please do not hesitate to call. Sincerely, /s/ Curtis F. Von Der Ahe - -------------------------- Curtis F. Von Der Ahe, President 26