Exhibit 10.12



CONFIDENTIAL TREATMENT HAS BEEN
REQUESTED FOR CERTAIN REDACTED PROVISIONS OF THIS AGREEMENT. THE REDACTED
PROVISIONS ARE INDICATED BY THREE ASTERISKS ENCLOSED BY BRACKETS AND UNDERLINED.
THE CONFIDENTIAL PORTIONS HAVE BEEN FILED SEPARATELY WITH THE SECURITIES AND
EXCHANGE COMMISSION.



[Metavante Logo]



AMENDMENT TO MASTER
AGREEMENT



THIS AMENDMENT,
to the Master Agreement dated October 10, 2002 (the "Agreement") is made as of
this 22nd day of June, 2004, by and between the undersigned parties,
and does hereby alter, amend, and modify the Agreement and supersedes and takes
precedence over any conflicting provisions contained in the Agreement.



THEREFORE, FOR GOOD
AND VALUABLE CONSIDERATION, the receipt and sufficiency of which are hereby
acknowledged, the undersigned parties agree as follows:



As of the date of
this Amendment, Customer and Metavante mutually agree that Exhibit B2,
Electronic Funds Delivery Fee Schedule, be amended so that the Stored Value
Monthly Processing Fee for Cardholder Accounts on File (Activated Accounts) be
as follows:



[ * * * ]



Except as expressly
modified herein, all other terms and conditions contained in the Agreement
remain in full force and effect.



IN WITNESS WHEREOF,
the undersigned parties have duly executed this Amendment in a manner
appropriate to each.



|[DLP APPROVED AS TO FORM BY
		LEGAL 7-8-04] | METAVANTE CORPORATION ("Metavante")                                                
|------------------------------------------- | -----------------------------------------------------------------------------------
|                                            |                                                                                    
|                                            |                                                                                    
|                                            | By: Frank G. D'Angelo                                                              
|                                            | Name: Frank G. D'Angelo
		Title: Executive Vice
		President, Electronic Funds Group
|                                            |                                                                                    
|                                            |                                                                                    
|                                            | By: Jeffrey A. Lewis                                                               
|                                            | Name: Jeffrey A. Lewis                                                             
|                                            | Title: Senior Vice President,
		Electronic Funds Group                             
|                                            |                                                                                    
|                                            |                                                                                    
|                                            | NBO SYSTEMS, INC.
		("Customer")                                                   
|                                            |                                                                                    
|                                            | By: James Hyde                                                                     
|                                            | Name: James Hyde                                                                   
|                                            | Title: COD/CTO                                                                     













© 2004, Metavante Corporation         1            NB0
Systems Cardholder Account Amend 062204