Document:

AMENDMENT NO. 1 TO THE
                            USCS INTERNATIONAL, INC.
                             401(K) RETIREMENT PLAN

     THIS AMENDMENT is adopted this 29th day of December, 1999, by USCS
INTERNATIONAL, INC. (the "Company"), as Plan Sponsor.

     WHEREAS,  the  Company  maintains  the  USCS  International,   Inc.  401(k)
Retirement Plan (the "Plan") for the benefit of its eligible employees; and

     WHEREAS,  the  Company,  pursuant  to Section 17 of the Plan,  reserved  to
itself the right to amend the Plan;

     NOW, THEREFORE,  the Company hereby amends the Plan as follows, the same to
be effective as of January 1, 2000:

     1.  EFFECTIVE  JANUARY 1, 2000, THE PLAN IS AMENDED AND RESTATED BY THE DST
SYSTEMS,  INC. 401(K) PROFIT SHARING PLAN AND THE PLAN IS MERGED INTO SUCH PLAN,
ON THE TERMS AND  CONDITIONS  SET FORTH THEREIN;  PROVIDED,  HOWEVER,  THAT SUCH
MERGER SHALL BE SUBJECT TO AND CONDITIONED ON A  DETERMINATION  BY THE PRESIDENT
OF  DST  SYSTEMS,   INC.  THAT  SUCH  MERGER  WILL  NOT  ADVERSELY   AFFECT  THE
TAX-QUALIFICATION OF THE DST SYSTEMS, INC. 401(K) PROFIT SHARING PLAN. THE TERMS
OF THIS PLAN SHALL  CONTINUE IN EFFECT UNTIL THE ASSETS AND  LIABILITIES  OF THE
PLAN ARE FORMALLY  TRANSFERRED  TO THE DST SYSTEMS,  INC.  401(K) PROFIT SHARING
PLAN.

     2. THE DEFINITION OF "ALLOCATION  DATE" IN SECTION 2 OF THE PLAN IS DELETED
AND THE FOLLOWING NEW DEFINITION IS INSERTED IN LIEU THEREOF:

 Allocation Date...  December 31st of each year (the last day of each Plan Year.

     3. THE  DEFINITION  OF "PLAN  YEAR" IN SECTION 2 OF THE PLAN IS DELETED AND
THE FOLLOWING NEW DEFINITION IS INSERTED IN LIEU THEREOF:

 Plan Year....      The 12-month period  beginning each January 1 and ending the
                    following  December  31.  December 31, 1999 shall be a short
                    Plan Year.

     4. SECTION 4(A) OF THE PLAN IS HEREBY DELETED AND THE FOLLOWING NEW SECTION
4(A) IS INSERTED IN LIEU THEREOF:

         (a) 401(K)  SAVINGS  CONTRIBUTIONS  - Any right to make 401(k)  Savings
Contributions  shall be determined  exclusively by the terms of the DST Systems,
Inc. 401(k) Profit Sharing Plan and all 401(k) Savings  Contributions  under the
Plan after  December  31,  1999 shall be made to the DST  Systems,  Inc.  401(k)
Profit  Sharing Plan and shall be subject to the terms and  conditions set forth
therein.

     5. SECTION 4(B) OF THE PLAN IS HEREBY DELETED AND THE FOLLOWING NEW SECTION
4(B) IS INSERTED IN LIEU THEREOF:

         (b) MATCHING  CONTRIBUTIONS - Any right to make Matching  Contributions
shall be determined  exclusively  by the terms of the DST Systems,  Inc.  401(k)
Profit Sharing Plan and all Matching Contributions under the Plan after December
31, 1999 shall be made to the DST Systems,  Inc.  401(k) Profit Sharing Plan and
shall be subject to the terms and conditions set forth therein.

     6. SECTION 4(C) OF THE PLAN IS HEREBY DELETED AND THE FOLLOWING NEW SECTION
4(C) IS INSERTED IN LIEU THEREOF:

         "(c)  PROFIT  SHARING  CONTRIBUTIONS  - In the  event a profit  sharing
contribution  is not made to the DST Systems,  Inc.  401(k) Profit  Sharing Plan
prior to the formal  transfer of assets and  liabilities  from this Plan to such
Plan, a profit sharing  contribution may, in the sole discretion of the Board of
Directors,  be  made  to  this  Plan  prior  to  such  transfer  of  assets  and
liabilities.

     7. SECTION 6(C) OF THE PLAN IS HEREBY DELETED AND THE FOLLOWING NEW SECTION
6(C) IS INSERTED IN LIEU THEREOF:

         (c) PROFIT SHARING  CONTRIBUTIONS  AND FORFEITURES - The Profit Sharing
Contribution as described in Section 4(c) shall be allocated to each Participant
who is an eligible  Employee as of the  Allocation  Date in the same  proportion
that  such  Participant's  Compensation  for the Plan  Year  bears to the  total
Compensation of all Participants who are eligible Employees as of the Allocation
Date for such Plan Year,  subject to the limitation on allocations  specified in
Section 7. For purposes of this contribution  only,  Compensation  shall include
any  taxable  perquisites,  all bonuses and an  additional  amount  equal to the
401(k)  Savings  Contributions  made for the  calendar  year  which  ends on the
Allocation Date.

     8.  SECTION  9(B)(3) OF THE PLAN IS HEREBY  DELETED AND THE  FOLLOWING  NEW
SECTION 9(B)(3) IS INSERTED IN LIEU THEREOF:

         (3) All  Forfeitures  for the Plan Year shall  first be used to restore
Accounts as  provided  in Section  9(c) below and then shall be used to pay Plan
expenses to the extent such expenses are not otherwise paid by the Company or an
Employer.  Any  remaining  Forfeitures  shall be  treated  as a  Profit  Sharing
Contribution for the Plan Year and allocated accordingly.

         Except as expressly  amended herein,  the Plan and Trust shall continue
in full force and effect.

         This  Amendment  shall be binding  upon and inure to the benefit of all
participants, their beneficiaries, heirs, executors and administrators, and upon
the Company, its successors and assigns.

<PAGE>

     IN WITNESS WHEREOF,  USCS INTERNATIONAL,  INC. has executed this instrument
on the day and year first above written.

                               USCS INTERNATIONAL, INC.

                               By:    /s/ Gregg W. Givens
                                      --------------------------------------
                               Title: Asst. Treasurer
                                      -----------------------------------AMENDMENT NO. 2 TO THE
                            USCS INTERNATIONAL, INC.
                             401(K) RETIREMENT PLAN

     THIS AMENDMENT is adopted this 12th day of March, 2001, by DST SYSTEMS
OF CALIFORNIA,  INC. (formerly,  USCS  International,  Inc.) (the "Company"),
as Plan Sponsor.

     WHEREAS,  the  Company  maintains  the  USCS  International,   Inc.  401(k)
Retirement Plan (the "Plan") for the benefit of its eligible employees;

     WHEREAS,  the Company was  acquired by DST  Systems,  Inc. on December  21,
1998;

     WHEREAS,  effective  January 1, 2000,  the Plan was frozen and also  merged
into  the  DST  Systems,   Inc.  401(k)  Profit  Sharing  Plan,   subject  to  a
determination  by the President of DST Systems,  Inc. that such merger would not
affect the  tax-qualification  of the DST Systems,  Inc.  401(k) Profit  Sharing
Plan;

     WHEREAS, the President of DST Systems, Inc. has made a determination not to
merge the Plan into the DST Systems, Inc. 401(k) Profit Sharing Plan;

     WHEREAS,  in connection with the change of recordkeepers  from CIGNA to UMB
Bank, n.a., the Company desires to amend the Plan to conform its provisions with
those of the DST Systems, Inc. 401(k) Profit Sharing Plan; and

     WHEREAS,  the  Company,  pursuant  to Section 17 of the Plan,  reserved  to
itself the right to amend the Plan;

     NOW, THEREFORE,  the Company hereby amends the Plan as follows, the same to
be effective as of April 1, 2001, except as otherwise specifically provided:

     1. THE  DEFINITION  OF  "DISABILITY"  IN  SECTION  2 OF THE PLAN IS  HEREBY
DELETED AND THE FOLLOWING NEW DEFINITION IS INSERTED IN LIEU THEREOF:

"Disability......   Disability means the  Participant,  because of a physical or
                    mental  disability,  will be unable to perform the duties of
                    his customary position of employment (or is unable to engage
                    in any  substantial  gainful  activity)  for  an  indefinite
                    period  of which  the  Committee  considers  will be of long
                    continued   duration.   The   Committee   may   require  the
                    Participant to submit to a physical  examination in order to
                    confirm disability.  The Committee will apply the provisions
                    of this  paragraph in a  nondiscriminatory,  consistent  and
                    uniform manner."

     2. THE  DEFINITION OF "PLAN" IN SECTION 2 OF THE PLAN IS HEREBY DELETED AND
THE FOLLOWING NEW DEFINITION IS INSERTED IN LIEU THEREOF:

   "Plan.....       The DST Systems of California,  Inc. 401(k) Retirement Plan,
                    which includes this Plan and the Trust Agreement."

     3. THE  DEFINITION  OF  "RETIREMENT"  IN  SECTION  2 OF THE PLAN IS  HEREBY
DELETED AND THE FOLLOWING NEW DEFINITION IS INSERTED IN LIEU THEREOF:

   "Retirement....  Termination of Service on or after attaining AGE 59 1/2."

     4. THE DEFINITION OF "TRUST" IN SECTION 2 OF THE PLAN IS HEREBY DELETED AND
THE FOLLOWING NEW DEFINITION IS INSERTED IN LIEU THEREOF:

   "Trust....       The DST Systems of California,  Inc. 401(k)  Retirement Plan
                    Trust,  created by the Trust Agreement  entered into between
                    the Company and the Trustee."

     5. EFFECTIVE JANUARY 1, 2001, SECTION 3(F)(4) OF THE PLAN IS HEREBY DELETED
AND THE FOLLOWING NEW SECTION 3(F)(4) IS INSERTED IN LIEU THEREOF:

   "(4)           Any Employee compensated on a salaried basis shall be credited
                  with 95 Hours of Service for each semi-monthly period in which
                  such  Employee  would be  credited  with at least  one Hour of
                  Service  under the above rules.  Any other  Employee  shall be
                  credited with Hours of Service on the basis of "actual"  hours
                  worked under the above rules."

     6.  SECTION  5(B) OF THE PLAN IS HEREBY  AMENDED  BY  DELETING  THE  SECOND
PARAGRAPH THEREOF AND REPLACING IT WITH THE FOLLOWING NEW PARAGRAPH:

         "Any assets held in the Trust,  the investment of which is not directed
by a Participant  pursuant to this Section 5 shall be invested by the Trustee as
directed by the Committee."

     7. THE LAST SENTENCE OF SECTION 5(D) OF THE PLAN IS HEREBY  DELETED AND THE
FOLLOWING NEW SENTENCE IS INSERTED IN LIEU THEREOF:

         "Shares of Company Stock for which inadequate or no voting instructions
are received from Participants (or Beneficiaries)  shall be voted by the Trustee
in the same  proportion as Company Stock for which  directions  were received by
Participants (or Beneficiaries)."

     8. SECTION  9(A)(2)(A) OF THE PLAN IS HEREBY  DELETED AND THE FOLLOWING NEW
SECTION 9(A)(2)(A) IS INSERTED IN LIEU THEREOF:

         "(A) attains age 59 1/2while employed by the Company or an Affiliate,"

     9.  SECTION  11(B) OF THE PLAN IS  HEREBY  DELETED  AND THE  FOLLOWING  NEW
SECTION 11(B) IS INSERTED IN LIEU THEREOF:

         "(b) In the  event  the  Participant  suffers  an  immediate  and heavy
financial  need,  such  Participant may withdraw up to the lesser of 100% of his
Account  (other  than his 401(k)  Savings  Contributions  Account) or the amount
necessary to satisfy the immediate and heavy financial  need.  Withdrawal from a
Participant's   Account  (other  than  from  the  Participant's  401(k)  Savings
Contributions Account) shall be authorized if the distribution is on account of:

          (1) A major illness or disability  of the  Participant  or a member of
     the Participant's family or a dependent of the Participant;

          (2) College or other post-high school education for the Participant or
     the Participant's dependent;

          (3) The sickness,  accident or death of a member of the  Participant's
     immediate family;

          (4) Financing of the purchase,  major repair,  or  improvement  of the
     Participant's primary residence; or

          (5) Any other  purpose which the  Committee  determines  constitutes a
     financial hardship.

         Notwithstanding the above, amounts in the Participant's Account may not
be  distributed  pursuant to this  Section  11.(b)(4)  or  11.(b)(5)  unless the
Participant has been a Participant in the Plan (including, for this purpose, the
DST Systems,  Inc.  401(k) Profit Sharing Plan and the DST Systems,  Inc. Profit
Sharing Plan ) for all or part of at least four (4) Plan Years; further provided
that in no  event  shall  the  Committee  grant a  Participant's  request  for a
hardship  distribution  pursuant  to such  subsections  where  such  Participant
previously made such a withdrawal,  unless  subsequent to the Plan Year in which
the  Participant's  most recent  request was made and granted,  the  Participant
continued to be a Participant in the Plan (including,  for this purpose, the DST
Systems,  Inc.  401(k)  Profit  Sharing  Plan and the DST Systems,  Inc.  Profit
Sharing Plan ) for all or part of at least four (4) additional Plan Years."

     10.  SECTION  11(D) OF THE PLAN IS HEREBY  DELETED  AND THE  FOLLOWING  NEW
SECTION 11(D) IS INSERTED IN LIEU THEREOF:

         "(d)  A  Participant  who  has  attained  age  59  1/2  may  request  a
distribution  of all or any whole  percentage of his Account.  In the event that
the Participant receives such distribution,  he shall continue to be eligible to
participate in the Plan on the same basis as any other Employee."

     11. SECTION 11(E) OF THE PLAN IS HEREBY DELETED.

     12.  SECTION  12(A) OF THE PLAN IS HEREBY  DELETED  AND THE  FOLLOWING  NEW
SECTION 12(A) IS INSERTED IN LIEU THEREOF:

         "Except as otherwise provided in Sections 11 and 12(c), a Participant's
Accrued Benefit will be distributed  following his  termination of Service,  but
only at the time  determined by the  Committee,  in one or more of the following
methods:

                  (1)      a single lump sum payment; or

                  (2) monthly,  quarterly, or annual installment payments over a
fixed  reasonable  period of time,  not to  exceed  the life  expectancy  of the
Participant,  or the joint and last survivor  expectancy of the  Participant and
his Beneficiary.

         Distributions  shall  be  made  in  cash  or,  at  the  option  of  the
Participant,  in cash plus the  number  of whole  shares  (with  cash in lieu of
fractional shares) of Company Stock allocated to the Participant's  Accounts.  A
Participant  electing  distribution of Company Stock must elect  distribution of
all Company Stock allocated to his Accounts;  a partial  distribution of Company
Stock is not available.

         If the value of a Participant's  vested Accrued Benefit exceeds $5,000,
no portion of his vested  Accrued  Benefit may be  distributed  to him before he
attains age 59 1/2 without his consent."

     13. THE FIRST  SENTENCE OF SECTION  12(B)(2) OF THE PLAN IS HEREBY  DELETED
AND THE FOLLOWING NEW SENTENCE IS INSERTED IN LIEU THEREOF:

                  "(2)  Except  as  provided  in  Section   12.(b)(3)  below,  a
Participant  may  make a  written  election  prior  to the  commencement  of his
distribution and prior to incurring a Break in Service to defer such payment for
a specified period of time ending no later than the Participant's Retirement."

     14.  SECTION  12(B)(3) OF THE PLAN IS HEREBY  DELETED AND THE FOLLOWING NEW
SECTION 12(B)(3) IS INSERTED IN LIEU THEREOF:

                  "(3) If the value of a Participant's vested Accrued Benefit is
$5,000 or less,  his vested  Accrued  Benefit  will be  distributed  to him in a
single lump sum cash payment as soon as administratively  practicable  following
his termination of Service."

     15.  SECTION  12(D) OF THE PLAN IS HEREBY  DELETED  AND THE  FOLLOWING  NEW
SECTION 12(D) IS INSERTED IN LIEU THEREOF:

         "(d) (1) If a  Participant  dies  before  receipt of the  Participant's
entire  benefit and leaves no  surviving  spouse,  or the  Participant's  spouse
consented to a Beneficiary designation,  the Participant's benefit shall be paid
to the person or persons  designated by the  Participant  from time to time in a
Beneficiary  designation.  Such Beneficiary or  Beneficiaries  may be designated
concurrently or successively,  either  individually or in a fiduciary  capacity,
and may be an entity other than a natural person.  Each Beneficiary  designation
shall be in form  prescribed by the  Committee  and will be effective  only when
filed with the Company  during the  Participant's  lifetime.  The  Participant's
Beneficiary shall be the  Participant's  spouse at the time of the Participant's
death unless the spouse has waived the right to be the Participant's Beneficiary
and consented to the Participant's  Beneficiary  designation.  A Participant may
revoke  or  modify a  Beneficiary  designation  previously  consented  to by the
Participant's  spouse only if the new Beneficiary is the Participant's spouse or
the spouse  consents to such change in Beneficiary  designation.  In lieu of the
preceding  two  sentences,  the Plan may  permit the spouse to execute a general
consent which permits the  Participant to designate a Beneficiary  and to change
such designation  without any further consent of the spouse. A consent under the
preceding  sentence shall be valid only if the consent  acknowledges  the spouse
had the  right  to limit  consent  to a  specific  Beneficiary  and such  spouse
voluntarily  waived such rights.  Each  Beneficiary  designation  filed with the
Company  will  cancel all  Beneficiary  designations  previously  filed with the
Company.  The  revocation  of  a  Beneficiary  designation  which  designates  a
Beneficiary other than the  Participant's  spouse, no matter how such revocation
is effected,  shall not require the consent of such designated  Beneficiary.  In
the event that a Participant  designates his or her spouse as  Beneficiary,  and
the Participant and that spouse are later divorced,  such  designation  shall no
longer be in effect unless the Participant reaffirms such designation in writing
subsequent to the divorce. In the event that an unmarried  Participant  marries,
his or her  beneficiary  designation  shall no longer be in  effect  unless  the
Participant reaffirms such designation in writing subsequent to the marriage. It
shall be the  responsibility  of the Participant to keep the Company informed of
changes in the  Participant's  marital status and/or  Beneficiary  designations.
Neither the Committee  nor the Company shall have any liability for  determining
the  identity  of  a  surviving  spouse  or  intended   beneficiary  beyond  the
information  provided by the  Participant to the Company.  All spousal  consents
provided in this Section  shall be in writing,  must  acknowledge  the effect of
such  consent/waiver,  be witnessed by a notary public or a Plan representative,
and be irrevocable.  The Committee may, in its discretion,  adopt any procedures
reasonably  necessary for the  implementation and administration of this Section
12(d),  including the adoption of  transition  rules in the event of a merger or
transfer of plan assets and liabilities.

                  (2) If the  Participant  dies leaving no surviving  spouse and
(i) fails to designate a Beneficiary in the manner  provided  above,  or (ii) if
the Beneficiary  designated by a Participant dies before the Participant and the
Participant  fails to designate a new  Beneficiary  or (iii) if the  Beneficiary
designated by a deceased  Participant  dies before complete  distribution of the
deceased  Participant's  benefits,  the  Committee  shall  direct the Trustee to
distribute  such  Participant's   benefits  (or  the  balance  thereof)  to  the
Participant's  children  then living in equal  shares.  If none of those persons
survives the  Participant,  the  Participant's  benefit  shall be payable to the
Participant's  estate  for  distribution  in  accordance  with the  terms of the
Participant's  last will and  testament or as a court of competent  jurisdiction
shall determine;  provided,  however,  that if the amount to be distributed does
not exceed $5,000,  the Committee in its sole  discretion may direct the Trustee
to  distribute  such  benefit  to the  next  of kin of the  Beneficiary  (if the
Committee  has reason to believe the status of such person) in lieu of requiring
a court determination."

         Except as expressly  amended herein,  the Plan and Trust shall continue
in full force and effect.

         This  Amendment  shall be binding  upon and inure to the benefit of all
participants, their beneficiaries, heirs, executors and administrators, and upon
the Company, its successors and assigns.

     IN WITNESS  WHEREOF,  DST SYSTEMS OF  CALIFORNIA,  INC. has  executed  this
instrument on the day and year first above written.

                                DST SYSTEMS OF CALIFORNIA, INC.

                                By:    /s/ Kenneth V. Hager
                                       -------------------------------------
                                Title: Vice President
                                       ------------------------------------

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