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EXHIBIT 10.74


THIRD AMENDMENT
AGREEMENT Finite #195-020 Vendor #000-404-285


THIS
FOURTH AMENDMENT AGREEMENT is made and entered into on June 5, 2002, by and between SEARS,
ROEBUCK AND CO., a New York corporation (hereinafter called Sears), and
CONSUMER PROGRAMS INCORPORATED, a Missouri corporation (hereinafter referred to as
Licensee).


REFERENCE
is made to the License Agreement (On Premise) made and entered into as of January 1, 1999
(License Agreement) by and between Sears and Licensee for the sale of products
and services (Licensed Business) at certain retail stores of Sears.


WHEREAS,
the parties desire to amend the License Agreement to change most locations from using
Licensees POS system to using a point of sale system provided by Sears;


NOW,
THEREFORE, Sears and Licensee agree as follows:


1.    
  For
the Designated Sears Store locations that do not convert from           Licensees
POS to the Sears POS Terminal, the original provisions of           Section 8.2 continue
in force and effect. Upon the completion of the transition           from Licensees
POS to the Sears POS Terminal at each Designated Sears           Store mutually agreed
upon between the parties, Section 8.2 of the License           Agreement is hereby
deleted in its entirety and replaced with the following:


8.2     POS
Terminal.
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| | At
its expense, Sears shall furnish a point of sale terminal (POS Terminal)
for use in the Licensed Business. Such POS Terminal shall be of a size and design
satisfactory to Sears, in its sole discretion, and shall at all times be and remain the
property of Sears. Such POS Terminal shall be comparable to those used by Sears in its
own merchandise departments and shall have the capability of processing a Sears Card (as
defined in Section 9.2) and any other credit cards Sears may accept from time to
time. Licensee shall immediately return such POS Terminal to Sears upon demand. Sears
shall have the right to take possession of the POS Terminal at any time without giving
prior notice to Licensee.
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|2.
              For the Designated Sears Store locations that do not
convert from           Licensees POS to the Sears POS Terminal, the original
provisions of           Section 8.3 continue in force and effect. Upon the completion of
the transition           from Licensees POS to the Sears POS Terminal at each
Designated Sears           Store mutually agreed upon between the parties, Section 8.3 of
the License           Agreement is hereby deleted in its entirety and replaced with the
following:


8.3    Sears
Card.
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| | Licensee
agrees to accept and process Sears Card payments from customers at the POS Terminal, and
upon written approval from Sears Licensing
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| | Manager,
Licensee will be authorized to open Sears Card instant credit accounts (Rapid Credit)
for customers.
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|3.
    For the Designated Sears Store locations that do not
convert from           Licensees POS to the Sears POS Terminal, the original
provisions of           Section 9.1 continue in force and effect. Upon the completion of
the transition           from Licensees POS to the Sears POS Terminal at each
Designated Sears           Store mutually agreed upon between the parties, Section 9.1 of
the License           Agreement is hereby deleted in its entirety and replaced with the
following:


9.1        Checks.
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| | All
checks that Licensee accepts from customers shall be made payable to Sears or
Sears, Roebuck and Co.. Licensee shall make certain that all checks are
filled out correctly and are processed and approved through the POS Terminal in
accordance with Sears policies and procedures in effect from time to time. Sears shall
guarantee the acceptance of all checks that are processed and approved through the POS
Terminal. Licensee shall reimburse Sears for the face value any check accepted by
Licensee which is not processed and approved through the POS Terminal and is not paid
upon presentment (Dishonored Check). Dishonored Checks shall not be
returned to Licensee, and Licensee shall not be permitted to collect or initiate
collection proceedings on such Dishonored Checks or to recover any merchandise purchased
with a Dishonored Check. Sears is entitled to any Sears Fee which may be lost as a result
of Licensees failure to properly process and receive approval for checks. A check
on which a Licensed Business customer stops payment due to a customer satisfaction issue
shall not be deemed a Dishonored Check for purposes of this Section, and Licensee shall
reimburse Sears for the face amount of such checks, but Licensee shall resolve the
customer satisfaction issues in accordance with Section 5.9 above, and Licensee
may collect any amounts due from the customer through any method of payment otherwise
authorized under this Agreement.
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|4.
              For the Designated Sears Store locations that do not
convert from           Licensees POS to the Sears POS Terminal, the original
provisions of           Section 9.2 continue in force and effect. Upon the completion of
the transition           from Licensees POS to the Sears POS Terminal at each
Designated Sears           Store mutually agreed upon between the parties, Section 9.2 of
the License           Agreement is hereby deleted in its entirety and replaced with the
following:


9.2    Credit
Sales.
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| | Subject
to the terms and conditions outlined in Schedule 9.2 (the Credit Card
Conditions), Licensee shall accept the SearsCard®, Sears Premier Card®,
SearsCharge Plus(SM), and, unless covered by a separate merchant agreement, the
Sears MasterCard®, the Preferred MasterCard® by Sears and The Great Indoors®
Gold MasterCard® (each a Sears Card) issued by Sears National Bank
for payment for goods and services authorized to be sold by Licensee under this Agreement
(Authorized Services). Licensee shall also accept such other credit
cards as Sears may designate from time to time (Third Party Credit
Cards), subject to the terms and conditions
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| | outlined in Schedule 9.2 unless covered by a separate merchant agreement. The Sears Card and the
Third Party Credit Cards are referred to collectively herein as the Credit
Cards. Licensee shall not attempt to suppress or discourage use of any Credit
Card by any person whose name is on the Credit Card or any other authorized user of such
Credit Card (collectively, the Cardholder). Licensee shall accept the
Credit Cards at all Licensed Business locations in the United States for the purchase of
Authorized Services, provided that the Credit Card transactions resulting from acceptance
of each Credit Card must be in United States dollars. All Credit Card transactions shall
be submitted to Sears for settlement with the issuing bank (Issuer).
Each Issuer shall process such transactions as if Sears had engaged in such transactions
itself. Subject to all of the terms and conditions of this Agreement, including Sears
rights under Section 9.8, Sears shall pay all sums due Licensee on each sale of
Authorized Servicesmade by Licensee to a Cardholder that is charged to a Credit
Card account (a Credit Card Sale). Payment or settlement by the Issuer
with Sears for each Credit Card Sale shall be deemed to be settlement by the Issuer with
Licensee, and the Issuer shall have no further obligation with respect to Licensee, whose
sole recourse shall be to Sears. All losses sustained by Sears as a result of non-payment
on a Credit Card account shall be borne by Sears, provided that Licensee is not
responsible for the non-payment and has complied with the Credit Card Conditions. Except
for non-payment of a Credit Card account, Sears shall have no liability whatsoever to
Licensee for Sears failure to properly accept or reject a customers charge.
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| | Licensee
may not distribute or solicit any customer applications or referrals for any Third Party
Credit Cards in or through the Licensed Business. Other than Credit Cards, Licensee shall
not accept payment from customers under any other credit or financing plan without the
prior written consent of the Licensing Manager.
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|5.
              For the Designated Sears Store locations that do not
convert from           Licensees POS to the Sears POS Terminal, the original
provisions of           Section 9.3 continue in force and effect. Upon the completion of
the transition           from Licensees POS to the Sears POS Terminal at each
Designated Sears           Store mutually agreed upon between the parties, Section 9.3 of
the License           Agreement is hereby deleted in its entirety and replaced with the
following:


9.3    
Sales Receipts.
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| | At
the close of each business day, Licensee shall submit an accounting of the Gross Sales
and the returns, allowances and customer adjustments made during such day by Licensee to
the Designated Sears Store office, together with the gross amount, in cash, of all cash
sales, and all credit sales documents for transactions completed that day. Sears may
retain out of such receipts the proper amount of the Sears Fees payable under this
Agreement together with any other sums due Sears from Licensee. Any remaining balance
shall be payable to Licensee at the regular settlement described in Section 9.4.
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|6.
              For the Designated Sears Store locations that do not
convert from           Licensees POS to the Sears POS Terminal, the original
provisions of           Section 9.4 continue in force and effect. Upon the completion of
the transition           from Licensees POS to the Sears POS Terminal at each
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|Designated Sears Store mutually
agreed upon between the parties, Section 9.4 of the License Agreement is hereby deleted in
its entirety and replaced with the following:


9.4    
Settlement.
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| | A
settlement between the parties shall be made at the end of each Sears fiscal month for
all Licensed Business transactions during such period, in accordance with Sears customary
accounting procedures. Advances against the settlement shall be made in accordance with
Sears customary accounting procedures. Such advances shall be deducted and reconciled in
the next regular settlement.
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| | Licensee
shall reimburse Sears at each settlement for any outstanding sums and all invoiced
expenses, including any advertising expense, that were incurred by Sears at Licensees
request, and are outstanding at the time of such settlement. Sears shall have the right
to retain out of Licensees sales receipts the amount of such sums and expenses with
interest, if any, due Sears. Interest shall be at the rate of prime (as published in the
Wall StreetJournal at the time of the settlement) plus two percent (2%)
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|7.
              Upon the completion of the transition from Licensees
POS to the Sears POS           Terminal at each Designated Sears Store mutually agreed
upon between the           parties, Schedule 9.2 attached hereto and incorporated herein
shall be           applicable.


Except
as expressly modified by this Amendment, all other provisions of the License Agreement
shall remain in full force and effect. To the extent that the terms of this Amendment are
inconsistent with any of the terms of the License Agreement, the terms of this Amendment
shall supersede and govern.


IN
WITNESS WHEREOF, Sears and Licensee have signed this Amendment as of the date set forth
above by their duly authorized officers or agents.
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| |  | SEARS, ROEBUCK
      AND CO.
      By: /s/ John T. Pigott
      
      John T. Pigott
      Vice President and General Manager
      Licensed Businesses
      CONSUMER PROGRAMS CORPORATED
      By: /s/ Jack Krings
      
      Name: Jack Krings
      
      
      Title: Vice President
      
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