Exhibit 10.2

OPTION TO EXTEND TERM LEASE RIDER

This Rider is attached to and made part of that certain Sixth Amendment dated
October 1, 2002 (the “Amendment”) between, Jerrold D. Monkarsh and Joyce
Monkarsh (“Landlord”), and Midland Credit Management, Inc., a Kansas corporation
(“Tenant”), covering the Property commonly known as 4302 & 4310 E. Broadway,
Phoenix, Arizona (the “Property”). The terms used herein shall have the same
definitions as set forth in the Amendment and the Lease. The provisions of this
Rider shall supersede any inconsistent or conflicting provisions of the Lease.

A.          Option(s) to Extend Term.

1. Grant of Option.   Landlord hereby grants to Tenant two (2) options (the
“Option”) to extend the Lease Term for additional term(s) of five (5) years (the
“Extension”), on the same terms and conditions as set forth in the Lease, but at
a rent determined as set forth below. Each Option shall be exercised only by
written notice delivered to Landlord at least one hundred eighty (180) days
before the expiration of the Lease Term. If Tenant fails to deliver Landlord
written notice of exercise of an Option within the prescribed time period, such
Option shall lapse, and there shall be no further right to extend the Lease
Term. The Option shall be exercisable by Tenant on the express conditions that
(a) at the time of the exercise, and at all times prior to the commencement of
such Extension, Tenant shall not be in default under any of the provisions of
the Lease (past any applicable cure periods specified in the Lease) and (b)
Tenant has not been ten (10) or more days late in the payment of rent more than
a total of three (3) times during the Lease Term.

2. Personal Options.   The Option is personal to the Tenant named above or any
Tenant’s Affiliate described in Paragraph 12.1 of the Lease. If Tenant subleases
the entire Property or assigns or otherwise transfers its entire interest under
the Lease to any entity other than a Tenant Affiliate prior to the exercise of
an Option (whether with or without Landlord’s consent), such Option shall lapse.
If Tenant subleases the entire Property or assigns or otherwise transfers the
entire interest of Tenant under the Lease to any entity other than a Tenant
Affiliate after the exercise of an Option but prior to the commencement of the
respective Extension (whether with or without Landlord’s consent), such Option
shall lapse and the Lease Term shall expire as if such Option were not
exercised. If Tenant subleases the entire Property or assigns or otherwise
transfers the entire interest of Tenant under the Lease in accordance with
Section 12 of the Lease after the exercise of an Option and after the
commencement of the Extension related to such Option, then the term of the Lease
shall expire upon the expiration of the Extension during which such sublease or
transfer occurred and only the succeeding Options shall lapse.

B.          Calculation of Rent.

  The Base Rent during the Extension(s)shall be determined by one or a
combination of the following methods (INDICATE METHOD UPON EXECUTION OF THE
LEASE):

[unchecked-box.jpg]       1.     Cost of Living Adjustment (Section B.1, below)

Rental Adjustment Date(s): The first day of the ____________ month(s) of
the______________ Extension(s) of the Lease Term with an annual increase of a
minimum of three percent (3%) and a maximum of six percent (6%).

[checkbox.jpg]       2.       Fair Rental Value Adjustment (Section B.2, below)
as determined by      [unchecked-box.jpg]    appraiser     [checkbox.jpg]      
or broker.

  Rental Adjustment Date(s): The first day of the first (1st) month(s) of first
and second Extension(s) of the Lease Term.

Initials: _________

Initials: _________

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[unchecked-box.jpg]       3.      Fixed Adjustment

  The Base Rent shall be increased to the following amounts (the “Adjusted Base
Rent(s)”) on the dates (the “Rental Adjustment Date(s)”) set forth below:

Rental Adjustment Date(s) Adjusted Base Rent(s)                            

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         2.      Fair Rental Value Adjustment.

The Base Rent shall be increased on the date(s) specified in Section B.2, above
(the “Rental Adjustment Date(s)”) to ninety-five percent (95%) of the “fair
rental value” of the Property, determined in the following manner:

(a)      Not later than one hundred twenty (120) days prior to any applicable
Rental Adjustment Date, Landlord and Tenant shall meet in an effort to
negotiate, in good faith, the fair rental value of the Property as of such
Rental Adjustment Date. If Landlord and Tenant have not agreed upon the fair
rental value of the Property at lease ninety (90) days prior to the applicable
Rental Adjustment Date, the fair rental value shall be determined by appraisal,
by one or more brokers (herein called “Broker(s)”), as provided in Section
B.2(b), below. Such Broker(s) shall have at least five (5) years’ experience in
the sales and leasing of commercial/industrial real property in the area in
which the Property is located and shall be members of professional organizations
such as the Society of Industrial and Office Realtors or equivalent.

(b)      If Landlord and Tenant are not able to agree upon the fair rental value
of the Property within the prescribed time period, then Landlord and Tenant
shall attempt to agree in good faith upon a single Broker not later than
seventy-five (75) days prior to the applicable Rental Adjustment Date. If
Landlord and Tenant are unable to agree upon a single Broker within such time
period, then Landlord and Tenant shall each appoint one Broker not later than
sixty-five (65) days prior to the applicable Rental Adjustment Date. Within ten
(10) days thereafter, the two (2) appointed Brokers shall appoint a third (3rd)
Broker. If either Landlord or Tenant fails to appoint its Broker within the
prescribed time period, the single Broker appointed shall determine the fair
rental value of the Property. If both parties fail to appoint Brokers within the
prescribed time periods, then the first Broker thereafter selected by a party
shall determine the fair rental value of the Property. Solely for the purpose of
calculating the fair rental value of the Property pursuant to this Section, each
party shall bear the cost of its own Broker and the parties shall share equally
the cost of the single or third Broker, if applicable. Nothing in this Section
is intended to create an obligation of either party to pay a brokerage
commission or fee with respect to any Extension of the Lease.

(c)      For the purposes of such appraisal, the term “fair market value” shall
mean the price that a ready and willing tenant would pay, as of the applicable
Rental Adjustment Date, as monthly rent to a ready and willing landlord of
property comparable to the Property if such property were exposed for lease on
the open market for a reasonable period of time and taking into account all of
the purposes for which such property may be used. The fair rental value of the
Property shall also include annual rental escalations during the Extension,
leasing concessions and tenant improvement allowances, if any, in accordance
with prevailing market customs and practices for properties comparable to the
Property. If a single Broker is chosen, then such Broker shall determine the
fair rental value of the Property. Otherwise, the fair rental value of the
Property shall be the arithmetic average of the two (2) of the three (3)
appraisals which are closest in amount, an the third appraisal shall be
disregarded. Landlord and Tenant shall instruct the Broker(s) to complete the
determination of the fair rental value not later than thirty (30) days prior to
the applicable Rental Adjustment Date. If the fair rental value is not
determined prior to the applicable Rental Adjustment Date, then Tenant shall
continue to pay to Landlord the Base Rent applicable to the Property immediately
prior to such Extension, until the fair rental value is determined. When the
fair rental value of the Property is determined, Landlord shall deliver notice
thereof to Tenant, and Tenant shall pay to Landlord, within ten (10) days after
receipt of such notice, the difference between the Base Rent actually paid by
Tenant to Landlord and the new Base Rent determined hereunder.

Initials: _________

Initials: _________

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                      “LANDLORD”                             Signed on October
18, 2002 Jerrold D. Monkarsh and Joyce Monkarsh                                
    By:            /s/ Jerrold D. Monkarsh            

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            Jerrold D. Monkarsh, individually and as
agent for Joyce Monkarsh
                                                  “TENANT”                      
      Signed on October 16, 2002 Midland Credit Management, Inc., a Kansas
corportation                                     By:            /s/ Carl C.
Gregory, III            

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        Its:            President            

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Initials: _________

Initials: _________

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