|(PAGE
      NUMBERS REFER TO PAPER DOCUMENT ONLY)
      EXHIBIT
      10.95
      FIRST
      AMENDMENT TO EMPLOYMENT AGREEMENT
      THIS
      FIRST AMENDMENT to that certain Employment Agreement by and between
      CONSUMER PROGRAMS INCORPORATED (the Corporation) and THOMAS GALLAHUE
      (the Executive) dated as of November 15, 2002 (the Employment
      Agreement) is entered into as of this 10th day of September, 2004.
      WHEREAS,
      the Employment Agreement includes a Supplemental Retirement Benefits
      arrangement (the SERP) that provides for monthly payments to Executive
      or his beneficiaries for a period of two hundred forty (240) months in the
      event of death or retirement and for disability payments until death or
      disability if Executives employment terminates as a result of
      disability;
      WHEREAS,
      as a result of a Change of Control effective March 24, 2004, Executive is
      100% vested in his SERP benefits;
      WHEREAS, the Corporation
      offered Executive an opportunity to receive a lump sum payment of his SERP
      benefits at a negotiated discount in exchange for a release from all
      future obligations to pay Executive SERP benefits;
      WHEREAS, the Corporation and
      Executive agreed upon a discount rate equal to 8.73%;
      NOW,
      THEREFORE, in consideration of the covenants set forth herein and for
      other good and valuable consideration, the Corporation and Executive
      hereby agree to amend the Employment Agreement as follows:
      1.  In consideration of
      the Corporations payment to Executive of the gross amount of Three
      Hundred Twenty-two Thousand Five Hundred Dollars ($322,500.00),
      Subsections 5(g) relating to death benefits, 5(h) relating to disability
      benefits, 5(i) relating to supplemental retirement benefits and 5(j)
      relating to survivability of death and supplemental retirement benefits
      are hereby deleted. In addition, all references in the Employment
      Agreement to Subsections 5(g), (h), (i) and/or (j) shall also be deemed
      deleted and eliminated in their entirety. All definitions in the
      Employment Agreement that, as a result of the deletions and amendments set
      forth herein, define terms that no longer appear in the Employment
      Agreement are hereby deleted and eliminated in their entirety.
      2.
       The second sentence of Subsection 6(a) shall be amended in its
      entirety to read as follows:
      In
      the event of such termination, the Corporation shall pay
  
                                  to
      the Executives Beneficiary or, in the event of Permanent
  
                                  Disability
      or attainment of age 65, the Executive or his or her                                 legal
      representative all benefits and Base Salary accrued through
  
                                 the
      date of termination, including without limitation, amounts                               
      payable under Subsections 5 (c) and 5(d) hereof.
      3.
        Except as otherwise defined herein, all capitalized terms used
      in this First Amendment shall have the respective meanings ascribed to
      them in the Employment Agreement.
      4.
       In the event of any conflict between this First Amendment and any
        other provision of this Agreement, the provisions of this Amendment shall
        prevail.
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|5.
       As amended by this First Amendment, the terms of the Employment
      Agreement are hereby ratified and affirmed by the
parties.
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|                                                                                                                                          

| | IN
        WITNESS WHEREOF, the parties have executive this First Amendment to
| | ------------------------------------------------------------------------------

|                                                              
|--------------------------------------------------------------
|Employment
      Agreement as of the date first written above.
|                                                              

| | CONSUMER PROGRAMS INCORPORATED
| | ------------------------------
| |                               

| |  | By: /s/ Gary
      W. Douglass
| |  | ------------------------------
| |  |                               

| | _________________________________________        
| | -------------------------------------------------
| |                                                  
| | Gary W. Douglass                                 
| |                                                  
| | Its:  Executive Vice President, Finance and Chief
| | Financial Officer and Member of the Office of the
| | Chief Executive                                  
| |                                                  
| | ________________________________________         
| |                                                  
| | the Corporation                                
| |                                                  

| | /s/ Thomas Gallahue                     
| | ----------------------------------------
| |                                         
| | ________________________________________
| | Thomas Gallahue (Executive)             

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