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EXHIBIT 10.94
FIRST AMENDMENT TO EMPLOYMENT AGREEMENT
THIS
FIRST AMENDMENT to that certain Employment Agreement by and between CONSUMER PROGRAMS INCORPORATED
(the Corporation) and JACK KRINGS (the Executive) dated as of September 5,
2001 (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 Six Hundred Eighty-three Thousand Six Hundred Twelve Dollars ($683,612.00), 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 theExecutives
Beneficiary or, in the event of Permanent Disability orattainment
of age 65, the Executive or his legal representative allbenefits
and Base Salary accrued through the date of termination,including
without limitation, amounts payable under any plan referredto Subsection 5(d) hereof.
3.
    The last sentence of Subsection 6(d)(1) shall be amended in its entirety
to read as follows:
The
payments pursuant to this Subsection 6(d)(1) shall be in fulldischarge
of any claims, actions, demands or damages of everynature
and description which Executive might have or might assertagainst
the Corporation or any Affiliated Company in connectionwith
or arising from the termination of Executives employment orthe termination of this Agreement.
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|4.
    The last sentence of Subsection 6(d)(2) shall be amended in its entirety
to read as follows:
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|In addition to the payment pursuant to this Subsection 6(d)(2), 
                                Executive shall be entitled to all remedies available under this
                                Agreement or at law in respect of any damages suffered by
                                Executive as a result of an involuntary termination of Employment
                                without Cause.
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|5.
 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.
6.
 In the event of any conflict between this First Amendment and any other provision of this Agreement,
the provisions of this Amendment shall prevail.
7.
 As amended by this First Amendment, the terms of the Employment Agreement are hereby ratified
and affirmed by the parties.
IN WITNESS WHEREOF, the parties have executive this First Amendment to Employment Agreement as of the
date first written above.

|CONSUMER PROGRAMS INCORPORATED
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