Document:

(PAGE NUMBERS REFER TO PAPER DOCUMENT ONLY)

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 the 

                                Executive’s
Beneficiary or, in the event of Permanent Disability or 

                                attainment
of age 65, the Executive or his legal representative all 

                                benefits
and Base Salary accrued through the date of termination, 

                                including
without limitation, amounts payable under any plan referred 

                               
to 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 full

                                discharge
of any claims, actions, demands or damages of every

                                nature
and description which Executive might have or might assert

                                against
the Corporation or any Affiliated Company in connection

                                with
or arising from the termination of Executive’s employment or

                               
the 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:

	 

	                                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.

	 
	
                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
	 	 
	 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/ Jack Krings
	 	_________________________________________
	 	 Jack Krings (Executive)

	

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      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.

	 

	 	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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