Document:

EXHIBIT 10.4

                       BUSINESS/MANAGER LICENSE AGREEMENT

Private Business, Inc. (PBI) and First Security Bank of Lexington, Inc.
(Licensee) entered into this Agreement on July 24 , 1998.

The BUSINESS/MANAGER SYSTEM,(System), is a product offered by PBI which includes
software and marketing  strategies which assist the Licensee with development of
its  commercial  customer  base.  PBI is not a  franchiser  and the sale of this
SYSTEM to Licensee is not intended to create a franchise relationship.

As developer of the System, and the accompanying Flex-O-Pay software, PBI is the
exclusive  owner of all  trademarks,  trade names,  copyrights,  service  marks,
source and/or  object codes,  updates and  revisions,  documentation,  marketing
systems, supplies and other confidential and propriety materials associated with
the accounts  receivable  funding and billing systems known as  BUSINESS/MANAGER
and Flex-O-Pay (software), respectively.

The parties agree as follows:

 (1)     GRANT OF LICENSE.  Subject to the terms and conditions that follow,
         PBI grants  to Licensee:

         (a) The right to offer the System to its customers and use the licensed
         documentation   throughout  the  term  defined  under  this  Agreement.
         Licensee  understands that the rights received under this Agreement are
         neither  exclusive nor transferable.  The term "customer"  includes all
         customers of Licensee  while  specifically  excluding  other  financial
         institutions.

         (b) The right to use PBI's software.

         (c) The right to  provide  business  owners the  supplemental  Business
         Owner Benefits program (BOB) to each established customer of the System
         free of charge.

         (d) The right to attend PBI-sponsored seminars.

         (e) The right to insure  accounts  who are using the System.  To become
         insured,  Licensee  must  file  a  separate  application  with  Private
         Business  Insurance,   L.L.C.  Once  Licensee's  application  has  been
         approved  Licensee  must pay  additional  fees in  accordance  with the
         payment  schedule  covered in Paragraph 8 of this  Agreement.  Licensee
         understands that this additional  amount does not constitute a premium,
         as PBI pays all premiums on this insurance policy.  Rather,  these sums
         represent  payment  made to PBI  for the  inclusion  of  Licensee  as a
         beneficiary under the PBI policy.

         (f) The right to use  Database  Management  Products  offered by PBI to
         assist Licensee in marketing the System.

 (2)     PROTECTION OF PRODUCT AND USE OF SERVICES.  Licensee  understands  that
         the System, and the software included in the System, are valuable trade
         secrets and the  exclusive  property of PBI. As such,  Licensee and its
         agents  may  neither  share  the  licensed   materials  or  information
         communicated to it by PBI with third parties nor use these materials in
         ways  not  expressly  incorporated  into  this  license.   Furthermore,
         Licensee  shall not attempt to hire or employ any  current  employee of
         PBI without the prior written consent of PBI.

<PAGE>

         All  materials  used for the  System  shall  at all  times  remain  the
         property of PBI. Upon  termination  of this  Agreement,  Licensee shall
         immediately return all software,  documentation,  marketing  materials,
         and other property associated with the System and belonging to PBI.

 (3)     SOFTWARE MODIFICATION AND CODE. The Licensee agrees to use the software
         as provided by PBI and understands  that it cannot be modified  without
         the prior written  approval of PBI. If such  modifications  are made by
         Licensee or its agents,  such alterations  constitute  derivative works
         owned by PBI in which PBI has exclusive rights. As such,  Licensee must
         provide a copy of all derivative works to PBI along with the associated
         source and object code.  Licensee is prohibited from making  duplicates
         of the software in excess of that number  required by the Licensee.  In
         the event PBI becomes  bankrupt or is  otherwise  unable to perform its
         services,  the source code  underlying  the licensed  software has been
         deposited  in  escrow  with  Suntrust  Bank,  5030  Thoroughbred  Lane,
         Brentwood, Tennessee, and will be made available to Licensee.

 (4)     WARRANTIES  AND  LIMITATION  OF  LIABILITIES.  PBI  warrants  that  the
         software  provided will perform  substantially  in accordance  with the
         accompanying  written  materials  and  will be  free  from  defects  in
         materials and  workmanship.  However,  PBI cannot  warrant the software
         from failure which is the result of accident,  abuse or misapplication.
         PBI will  replace  defective  media  or  documentation  free of  charge
         provided  Licensee returns such items to PBI within 90 (ninety) days of
         the date of delivery.  If PBI is unable to replace  defective  media or
         documentation within 90 (ninety) days following the receipt of returned
         materials,  PBI will  refund the license  fee and this  Agreement  will
         terminate without further remedy.  PBI provides this software on an "as
         is" basis and disclaims all other  warranties,  to the extent permitted
         by applicable law, both express and implied, including, but not limited
         to, warranties of merchantability and fitness for a particular purpose.
         In no event shall PBI be liable for any special, incidental,  indirect,
         or consequential  damages whatsoever  (including,  without  limitation,
         damages for loss of business profits,  business  interruption,  loss of
         business information or other pecuniary loss) arising out of the use of
         this  product.  If  Licensee  is ever faced with a claim as a result of
         using  any of the  licensed  tradenames  or  marks  of  PBI,  PBI  will
         indemnify and hold harmless Licensee for any such claim.

 (5)     SOFTWARE  MAINTENANCE.  As long as Licensee uses the System and related
         software,  Licensee shall pay PBI an annual software maintenance fee of
         one thousand  five  hundred  dollars  ($1,500.00).  Payment of this fee
         entitles Licensee to all software updates, any necessary training,  and
         technical   support.   However,   Licensee  is   responsible   for  the
         installation of the software. PBI will not bill the initial maintenance
         fee until the first anniversary date of this Agreement.

<PAGE>

 (6)     OPERATION OF SERVICE.  Licensee agrees to maintain qualified  personnel
         and adequate  hardware to operate the System.  To assist Licensee,  PBI
         will provide on-site training at the bank,  hands-on  software training
         at  PBI's  national  training  center  in  Brentwood,  Tennessee,  help
         Licensee solicit customers for the System, and designate a PBI Business
         Development  Manager (BDM) to work with Licensee.  A BDM is a full-time
         employee  of PBI who is  acceptable  to the  Licensee  and will aid the
         Licensee  in  developing  customers  for the  System.  PBI will have no
         involvement  with  or  responsibility  for  credit  decisions  made  by
         Licensee in purchasing  receivables  under the System.  If Licensee and
         its Customer agree, PBI may arrange  alternative  funding for customers
         of  Licensee  who are  denied the  opportunity  to  participate  in the
         System. Licensee agrees to use its best efforts to actively promote the
         System and will  initiate  an employee  rewards  program to promote it.
         During the term of this  Agreement,  Licensee is prohibited from either
         offering  the  system of any PBI  competitor  or  engaging  a factor to
         purchase the accounts receivable of its customers.

 (7)     PROMOTIONAL  AND  OPERATING  MATERIALS.  Licensee  agrees to market the
         System to its commercial  customers via letter and/or brochure  mailing
         at least one time per year. Specialized forms and promotional materials
         for the System shall be purchased by Licensee from PBI, at a reasonable
         cost, or from  printers  which have been granted the right to reproduce
         the forms or materials for resale to PBI's  Licensees.  For the cost of
         one dollar  ($1.00),  PBI agrees to license any reputable and competent
         printer to reproduce these forms or materials for use by Licensee.  Any
         postage and shipping  charge for  materials  sent to Licensee  shall be
         billed separately by PBI.

 (8)     FEE FOR SERVICES.  The  Licensee,  for the rights  received  under this
         Agreement,  will pay PBI the sum of $14,950.00  when this  Agreement is
         executed.  Of this sum, one thousand dollars ($1,000.00)  satisfies the
         software  licensing fee and the balance  represents  consideration  for
         training,   employee   education,   continuing  support  and  marketing
         programs.  Licensee  shall also pay or assign to PBI an amount equal to
         1.9% (one and nine - tenths percent)of the total receivables  purchased
         by Licensee  initially and through the first  end-of-period  processing
         from each new System customer.  After the initial fee is paid, Licensee
         shall  pay  or  assign  to  PBI a  monthly  ongoing  fee  equal  to 35%
         (thirty-five  percent) of the total service charge or discount  charged
         (as defined in the customer's  agreement with the Licensee) against the
         receivables purchased from each System customer. Once Licensee's System
         portfolio  reaches two million  dollars  ($2,000,000.00)  in cumulative
         initial purchase  balances,  the ongoing  percentage will be reduced to
         30% (thirty percent)in each subsequent month for each System customer.

 (9)     REPORTING.  No later  than the fifth  (5th) day of the month or at each
         end-of-period,  whichever comes first,  Licensee will report the amount
         of  receivables  purchased on the System during the preceding  month to
         PBI.  Licensee  shall remit payments to PBI based upon these reports no
         later  than  the  fifteenth  (15th)day  of  the  month  following  each
         end-of-period.  During  the term of this  Agreement,  PBI may audit the
         System at Licensee's site upon giving Licensee fifteen (15)days notice.

 (10)    TERM.  Unless  terminated  as  provided in Section 11, the term of this
         Agreement  shall be five (5) years from the date of its  execution.  On
         the  anniversary  date marking the  expiration  of the initial five (5)
         year term, this Agreement shall automatically renew unless either party
         notifies  the other in  writing  of their  intent  not to renew.  To be
         effective,  such notice must be received  one hundred and twenty  (120)
         days prior to the expiration of the prior term.

 (11)    TERMINATION WITH NOTICE.  After providing  written notice to the
         offending party of a reason for termination, and allowing the offending
         party thirty (30) days to cure, if the offending fails to cure the
         default,  this Agreement shall immediately terminate.  If PBI is the
         defaulting party, all obligations of the parties, except for those
         pertaining to the return of proprietary information, will cease. If
        Licensee is the defaulting  party,  the  obligations of Section 12 still
         apply. The events that warrant premature termination are:

         (a)  Licensee or PBI fails to perform or comply with a material term or
              covenant contained in this Agreement.

         (b)  Licensee fails to pay PBI any fees due to PBI.

<PAGE>

         (c)  Licensee or PBI becomes insolvent or seeks protection, voluntarily
              or involuntarily,  under any bankruptcy law. In the event of PBI's
              bankruptcy, the provisions of Section 3 shall apply.

In the event of termination, PBI may:

         (i)  Declare all amounts owed to PBI immediately due and payable;

         (ii) Require that the Licensee  cease  further use of the System or any
              portion  thereof  and  immediately  return the  licensed  product,
              documentation and copies thereof;

         (iii)Cease performance of all of PBI's obligations without liability;
              and

         (iv) Exercise any other right or remedy available.

 (12)    POST-TERMINATION   PROCEDURES.  Upon  termination  of  this  Agreement,
         Licensee shall immediately  discontinue use of the System and all trade
         names,  trademarks,  copyrights,  software programs, signs and forms of
         advertising  indicative  of  the  System  and  return  all  proprietary
         materials to PBI  immediately.  If Licensee  refuses or fails to comply
         with  these  provisions,  Licensee  will  reimburse  PBI for all costs,
         including  reasonable  attorney's  fees and other expenses  incurred to
         enforce such provisions.

In the event Licensee  terminates  this  Agreement,  and in recognition of PBI's
business strategy,  proprietary information and experience required to establish
and  maintain  the  System,  Licensee  agrees  that if it elects to  continue an
accounts  receivable or factoring program similar to the System, the new program
must  be  developed   independently  and  without  reference  to  any  of  PBI's
proprietary information covered by this Agreement.

Following  termination,  Licensee  is no  longer  obligated  to pay  PBI for new
customers placed on any new accounts receivable program subsequently established
by Licensee.  However,  Licensee  shall continue to pay PBI ongoing fees for all
accounts originally  established on Licensee's System that are later transferred
to the new accounts  receivable  program for a period of forty-eight (48) months
following  termination in accordance with the fee schedule  described in Section
8. As before,  Licensee shall provide PBI monthly  reports and fees on a monthly
basis as outlined in Paragraph (9) above.

(13)     GENERAL PROVISIONS. This Agreement shall become effective when executed
         by an authorized officer of PBI in Brentwood,  Tennessee,  and shall be
         binding upon the parties,  their successors and assigns. This Agreement
         manifests  the entire  agreement  between  the  parties  regarding  the
         subject  matter  hereof  and   supersedes  all  prior   understandings,
         writings,  proposals,   representations  or  communications,   oral  or
         written,  of either party.  This Agreement may be modified by a written
         amendment signed by authorized  representatives of both parties. If any
         provision  of  this  Agreement  or its  application  to any  person  or
         circumstance  is held invalid,  such  invalidity  does not affect other
         provisions or  applications of this Agreement which can be given effect
         without  the  invalid  provision  or  application,  and to this end the
         provisions are severable.

 (14)    ASSIGNMENT.  This Agreement may not be assigned by Licensee absent
         written authorization by PBI.  Any unauthorized attempt at assignment
         shall be deemed invalid.

<PAGE>

 (15)    APPLICABLE LAW. This Agreement shall be deemed executed in the State of
         Tennessee.  As such, the rights and duties of the  contracting  parties
         shall be governed,  controlled,  interpreted  and defined in accordance
         with the laws of the State of  Tennessee.  Any  disputes  arising  with
         respect  to this  Agreement,  shall  either be heard by the  applicable
         court in Williamson County, Tennessee or if mutually agreeable, settled
         through binding  arbitration in Nashville,  Tennessee,  pursuant to the
         rules of the American Arbitration Association.

 (16)    CONFIDENTIALITY.  The Licensee agrees to retain in confidence the terms
         of  this   Agreement   and  all   Addendums   attached   hereto.   Said
         confidentiality  agreement  extends to  Licensee's  employees,  agents,
         representatives, Board of Directors and Officers. Licensee acknowledges
         that  the  terms  of this  Agreement  and the  attached  Addendums  are
         confidential information not to be communicated to third parties.

<PAGE>

By Sales Representative: Tom Moltini by JRA

LICENSE

First Security Bank of Lexington, Inc.
Name of Financial Institution

400 East Main Street, Lexington, KY  40507
Address

/s/Julian E. Beard
By/Title
Julian E. Beard, Chairman and President

PRIVATE BUSINESS, INC.
Lea Hoffman
Accepted by
VP & General Counsel
Title

The foregoing Agreement is hereby approved by the undersigned,  at the executive
office of PBI, on this 11th day of August, 1998 at Brentwood Tennessee.

<PAGE>

                                 REFUND ADDENDUM

The licensing fee of $14,950.00 is fully  refundable for twelve (12) months from
date of the execution of the  Business/Manager  Licensing  Agreement if Licensee
cooperates* in promoting and supporting the Business/Manager  SYSTEM, but is not
successful in putting two businesses on the program or $100,000.00 in cumulative
purchase balances.

*Minimum Cooperation (defined):

o Bank will participate in the Network  Marketing  through  Database  Management
  program sponsored by PBI.

o Bank will conduct a minimum of one (1) Business Development day per month.

o Bank selects suitable  Program  Director  (Respected bank officer who leads by
  example, and is positive and enthusiastic about Business/Manager.)

o Bank selects  qualified  Operations  Director/Process  Coordinator  (Strong PC
  background and people skills who is teachable, and enjoys new challenges.)

o The Program  Director  and  Operations  Director or Process  Coordinator  will
  attend a scheduled training program in Brentwood, TN at Private Business, Inc.
  in order to learn the proper operation of Business/Manager.

o All bank personnel involved in Business/Manager will attend initial "kick-off"
  meeting in the bank represented by Private Business, Inc.

o Bank will offer a  Business/Manager  incentive (or an equivalent)  program for
  bank personnel  participating in Business/Manager that specifically applies to
  cooperation with Private Business, Inc.'s Business Development efforts.

                                      July 24, 1998
                                      Date

                                      First Security Bank of Lexington, Inc.
                                      By: /s/ Julian E. Beard
                                              President and CEO
                                      Name/Title (Bank Representative)

                                      /s/ Thomas C. Martin
                                      Name/Title (PBI Representative)

<PAGE>EXHIBIT 10.5

                                    AGREEMENT

This  agreement  made and  entered  this 26th of  February,  1998 by and between
CRITTSON FINANCIAL LLC, an Indiana corporation maintaining its principal offices
in  Elkhart,  Indiana,  hereinafter  known as `CF' and  First  Security  Bank of
Lexington,  a  Kentucky  corporation,   maintaining  its  principal  offices  in
Lexington, Kentucky, hereinafter referred to as `Customer.'

WHEREAS,  CF  is  in  the  business  of  providing  services  necessary  to  the
administration  of Visa and  MasterCard  credit  card  programs;  and,  Customer
desires such services, and;

WHEREAS,  in the event that  Customer is  approved  and  accepted by  MasterCard
International,  Inc. and/or Visa U.S.A. Inc. as members thereof,  CF is desirous
of providing to Customer those services set forth and described in that document
attached  hereto  and  made a part  hereof  as  Schedule  `A,' in  exchange  for
compensation  in  amounts  equal to those  set forth in that  document  attached
hereto and made a part hereof as Schedule `B.'

NOW, THEREFORE,  in consideration of the mutual covenants herein contained,  the
parties hereto agree as follows:

 1.   In the event that Customer is not approved and accepted by MasterCard
      International, Inc. and/or Visa U.S.A. Inc. as members thereof, this
      Agreement shall be null and void and of no further force or effect.

 2.   CF will perform for  Customer  those  services set forth and  described in
      Schedule `A' hereof and shall be compensated  therefor by Customer,  based
      upon services actually performed for Customer, in appropriate multiples of
      those amounts set forth and described in Schedule `B' hereof.

 3.   Customer shall comply with all MasterCard International, Inc. nd/or Visa
      U.S.A. Inc. regulations and with all applicable Federal and State laws,
      and shall indemnify and save CF and its agents and hold it harmless with
      respect to any claim, cause of action, complaint, suit or loss, including,
      but not limited to, costs and attorney fees, which may be occasioned by
      Customer's failure to do so. In addition thereto, Customer will supply CF
      and, when known, CF will supply to  Customer, any and all data and other
      information necessary for each to comply with such regulations and laws.

<PAGE>

 4.   CF and  Customer  acknowledge  that  the  performance  of  services  by CF
      hereunder are subject,  without  notice,  to regulation and examination of
      various governmental agencies,  including, but not limited to, Comptroller
      of the Currency,  to the same extent as if such services were performed by
      Customer for itself on its own premises.  Customer shall provide to CF, in
      a timely  fashion,  all  information and data necessary to comply with the
      regulations and rules of such governmental agencies and shall bear the
      costs of any  examinations  or inspections  of records,  performed by such
      agencies during the term of this Agreement.

 5.   CF will  exercise  due  care  in  performing  its  obligations hereunder
      and will bear the cost to Customer of any losses attributable solely to
      the errors or omissions of its agents or employees.  The cost of errors or
      omissions on the part of employees or agents of Customer shall be borne
      exclusively by Customer and Customer shall indemnify CF, its agents and
      employees, for any losses, including, but not limited to, costs and
      attorney fees, occasioned by the errors or omissions of Customer's agents
      or employees.

 6.   Customer shall employ CF and its agents  exclusively,  for the performance
      of all services  herein set forth and  described,  utilized by Customer in
      connection with Customer's credit card program.

 7.   Customer shall pay all interchange fees on sales transactions deposited by
      Customer's merchants for account holders of MasterCard International, Inc.
      and/or Visa U.S.A. members.  Customer will receive all interchange fees on
      sales transactions of account holders of Customer which are deposited by
      MasterCard International Inc. and/or Visa U.S.A.Inc. members.  Customer
      will pay all interchange fees on cash advance transactions negotiated by
      its account holders, which are deposited by MasterCard International Inc.
      and/or Visa U.S.A. Inc.  Customer will receive all interchange fees on
      cash advance transactions negotiated by cardholders of other members of
      MasterCard International Inc. and/or Visa U.S.A. Inc.  and deposited by
      Customer.

 8.   Customer will pay all MasterCard International Inc. and/or Visa U.S.A.
      Inc. fees, royalties, dues and assessments, including, but not limited to,
      INAS, INET, BASE I and BASE II, as the same are fixed by applicable
      MasterCard International Inc. and/or Visa U.S.A. Inc. rules and
      regulations.

 9.   Customer  will  maintain a checking  account  with an  approved  financial
      institution  for the purpose of monetary  settlement for  Customer's  card
      program,  CF or its agents will  charge or credit,  as  appropriate,  this
      account for or with the daily settlement  transactions  resulting from the
      operation of Customer's credit card program.  Customer will transfer funds
      to this  account,  as needed to cover daily  settlement  transactions,  as
      directed by CF or its agents.

 10.  Customer will be responsible for the establishment and maintenance of
      account holder and authorization limits.

<PAGE>

 11.  Customer  shall  provide  CF  all  data   reasonably   necessary  for  the
      administration  of  Customer's  credit  card  program.  Such  data will be
      supplied to CF in a timely fashion. Documents sent by Customer to CF shall
      be balanced,  proven as to amount,  legibility and completeness.  Any data
      submitted by Customer to CF for processing which is incorrect,  illegible,
      or  otherwise  not in proper  form,  shall be  returned  to  Customer  for
      correction before processing.

 12.  Customer shall insure  regally and timely  delivery to CF of sales drafts,
      cash advance forms, credit vouchers,  and other data, reasonably necessary
      to the efficient performance of CF's obligations hereunder.  Such delivery
      may be accomplished by daily courier service, semi-weekly courier service,
      or first class mail. All costs of delivery will be the  responsibility  of
      Customer. Customer shall bear any loss occasioned by delay in the delivery
      of such  data  and  shall  indemnify  CF for  any  costs  incurred  by CF,
      including, but not limited to, attorney fees, occasioned thereby.

 13.  CF will act with  due  diligence  and  good  faith  in the  collection  of
      Customer's accounts, exercising such efforts as are reasonable and lawful.
      In the event, however, CF is unable to collect an account after exercising
      reasonable  diligence and good faith,  then Customer shall bear all losses
      from uncollected  accounts and all expenses incurred as a result of unpaid
      accounts or the collection thereof,  other than the cost of those services
      set forth and  described in Schedule  `A' hereof.  Customer  will,  at its
      expense,  arrange for any action  which may be  appropriate  or  necessary
      because of the misuse or abuse of any account  opened or maintained by its
      account holders.

 14.  The  data  and  information   gathered  and  maintained  with  respect  to
      Customer's account holders and Customer's  merchants,  are and will remain
      the property of Customer. Upon termination of this Agreement at the end of
      its term, CF will,  at the request of Customer and at Customer's  expense,
      deliver to Customer as much of such data and  information  as is requested
      by Customer and as is  available to CF through the exercise of  reasonable
      diligence.

 15.  CF will safeguard and hold confidential, to unauthorized persons, all data
      relating to Customer's  business  submitted by or on behalf of Customer to
      CF  pursuant  to the  terms  of this  Agreement.  CF  shall  be  under  no
      obligation to hold  confidential  data that is otherwise  available to the
      public.  Nothing  contained herein shall preclude CF from making such data
      available,  as  reasonably  necessary,  to  entities  performing  services
      necessary  for the  fulfillment  of  CF's  obligations  hereunder,  or the
      participation by CF in card recovery  bulletin and/or restricted card list
      procedures  or in processing  authorization  inquiries  from  merchants or
      financial  institutions  in  connection  with sales  transactions  or cash
      advances.  Nothing  herein shall  preclude CF from  releasing such data or
      information as part of the resolution of a dispute with Customer.

      Customer will safeguard and hold confidential to unauthorized personas all
      information  relating to the  services  of CF and its agents,  unless such
      information  is otherwise  available to the public.  Nothing  herein shall
      preclude  Customer from  releasing such data or information as part of the
      resolution of a dispute with CF.

<PAGE>

 16.   CF shall  permit  Customer,  at any  reasonable  time  and at  Customer's
       expense,  to conduct an inspection  or audit of CF's records  relative to
       Customer's affairs.

 17.   In the event that the relationship created by the terms of this Agreement
       between CF and Customer,  or any services rendered hereunder,  gives rise
       to any tax liability,  exclusive of income or similar  taxes,  payable to
       any  government  entity,  such  liability,  even if not assessed  against
       Customer, will be the responsibility of Customer. In the event that CF is
       required to pay or satisfy such tax liability, Customer will reimburse CF
       therefor upon demand.

 18.   CF will  suffer no  liability  by reason of its  failure to  provide  any
       service set forth or described herein if such failure is due to any cause
       or condition beyond the reasonable control of CF or its agents.

 19.   The term of this Agreement will commence on the 1st day of June, 1998 and
       will  continue in full force and effect to and  including the 31st day of
       May,  2002  a  period  of  four  (4)  years.   This   Agreement  will  be
       automatically  renewed  for  subsequent  periods  of four (4) years  each
       unless,  at least one hundred twenty (120)days prior to any renewal date,
       either party hereto  gives  written  notice to the other that it does not
       wish to renew this Agreement.

       In lieu of notice of  non-renewal,  CF may,  at least one  hundred  fifty
       (150)days  prior  to any such  renewal  date,  submit  to  Customer  this
       Agreement  in modified  form.  In the event that CF elects to submit this
       Agreement in modified  form to Customer  prior to any such renewal  date,
       Customer shall notify CF, at least one hundred twenty (120) days prior to
       such renewal date,  whether or not the modified form of this Agreement is
       acceptable to Customer.  Failure of Customer to notify as stipulated will
       constitute acceptance of the modified contract as submitted.

       If,  for any  reason,  Customer  exercises  its  option not to renew this
       Agreement,  CF agrees to cooperate in the  required  deconversion  of the
       Customer's  cardholder  and/or  merchant  records  in  their  possession.
       Customer  agrees  to  compensate  CF in the sum of  twenty  five  hundred
       dollars  ($2,500),  payable  with  the  notice  of  non-renewal,  for the
       necessary activities connected with such deconversion.

 20.   Notwithstanding the foregoing, in the event of breach of any term of this
       Agreement by any party hereto, the non-breaching party may terminate this
       Agreement  upon the giving to the breaching  party of one hundred  twenty
       (120) days prior  written  notice of its  intention to terminate  and its
       reason therefor.

       However,  the party  committing the alleged breach shall have ninety (90)
       days from the receipt of such notice to remedy  said  breach,  and in the
       event that it is properly  remedied  within such period,  this  Agreement
       shall  continue as though no such notice had been sent. In the event that
       this  Agreement  is  terminated  due to  the  un-remedied  breach  of its
       provisions  by  Customer,  Customer  shall pay to CF, in  addition to any
       other damages to which CF may be entitled, the following:

<PAGE>

       (a)  Additional  costs  incurred by CF or its agents in  connection  with
            processing or related  services  which result from such  un-remedied
            breach;

       (b)  Deconversion  costs,  including,  but not limited to,  proportionate
            losses  sustained as a result of the  abandonment  of any  equipment
            acquired  or  utilized  in order to fulfill  the  obligations  of CF
            hereunder;

       (c)  Processing fees and other expenses incurred by CF on behalf of
            Customer; and

       (d)  Fees to which CF would have been entitled, but for termination;
            or if greater in value than (d),

       (e)  An amount  equal to all  payments  made by Customer to CF during the
            calendar year immediately preceding termination,  or an amount equal
            to all payments made to CF by Customer  during that  calendar  month
            immediately preceding termination,  multiplied by twelve,  whichever
            is greater.

 21.   All  obligations  of either party hereto,  incurred or existing under the
       terms of this Agreement as of the date of any  termination  hereof,  will
       survive such termination.

 22.   CF will furnish to Customer  detailed  monthly  billings for all services
       rendered to Customer and charges incurred on behalf of Customer. Customer
       shall pay such invoices upon receipt thereof.

 23.   All  specifications,  computer programs and systems utilized or developed
       by  CF,  or its  agents,  in  order  to  provide  the  services  rendered
       hereunder, are and will remain the absolute property of CF or its agents.

 24.   Each of the parties warrants that neither its execution and delivery of
       this Agreement nor its performance of the provisions hereof is, or will
       constitute, a violation on its part of any contract, indenture or other
       agreement or relationship to which it is a party or by which it is bound,
       and hereby agrees that it will indemnify and save harmless the other
       party from and against any loss, costs, liability, damages or expenses by
       reason of any claim which may be asserted to the contrary by any third
       party.

 25.   This Agreement will be governed and interpreted by and under the laws of
       the State of Indiana.

 26.   Notice,  when  required  hereunder,  will be deemed  served  when sent by
       certified or registered mail, postage pre-paid, to the respective parties
       as set forth below:

<PAGE>

       To President:     Julian Beard

                        First Security Bank of Lexington

       To CF:            Mr. Robert Gordon, President
                         CRITTSON FINANCIAL LLC
                         P.O. Box 1226
                         Elkhart, Indiana  46515

 27.   This Agreement shall be binding upon and inure to the benefit of the
       assigns and successors-in-interest of the parties hereto.

 28.   In the event that either  party  hereto  fails to fulfill any  obligation
       imposed  upon that party  hereunder,  the  non-breaching  party  shall be
       entitled  to recover of the  breaching  party,  in  addition to any other
       damages  to  which  it may be  entitled,  all  costs  and  attorney  fees
       reasonably expended in the assertion of its rights hereunder.

 29.   Customer agrees to contract for the following services with Electronic
       Data Systems, Inc.:

       (1)      Maintain computer system.
       (2)      Storage of raw plastics.
       (3)      Emboss, encode and mail plastics to new accounts.
       (4)      Purchase drafts through Visa and MasterCard systems and pass to
                cardholder accounts.
       (5)      Generate and mail monthly cardholder statements.
       (6)      Provide authorizations for cardholders through the Visa and
                MasterCard systems.
       (7)      Produce daily and monthly activity reports.
       (8)      Maintain history of cardholder records and activity.

 30.   CF agrees to arrange with Electronic Data Systems, Inc. for on-line
       capability.

                                                      ACCEPTED

CRITTSON FINANCIAL LLC                   FIRST SECURITY BANK OF LEXINGTON
                                                Financial Institution
BY: /s/ Kenneth R. Howard
                                         BY:   /s/ Julian E. Beard
Printed:  Kenneth R. Howard              Printed:  Julian E. Beard

Title:    Vice President                 Title: Chairman & President

<PAGE>

                                    ADDENDUM

                                     TO THE

                              CFC KENTUCKY CONTRACT

It is hereby  mutually  agreed by the two parties  involved,  that the following
amendments and/or  clarifications  are to be attached to, and hereby made a part
of, the Service  Agreement  between Crittson  Financial  Corporation and the CBK
Member Bank named below; entered into on February 26, 1998.

Page 1, item 5:  "Errors and omissions" (Amendments)

 This paragraph is replaced by the following:

 "The cost of errors or  omissions  on the part of employees or agents of CFC or
 Customer shall be borne exclusively by CFC or Customer, as the case may be, and
 the responsible party shall indemnify the other, its agents and employees,  for
 any losses,  including,  but not limited to, costs and attorney fees occasioned
 by the errors or omissions of its agents or employees."

On page 2, item 17: "Tax Liability" (Clarification)

 As previously explained,  since Crittson conditionally  guarantees its fees for
 the four (4) year term of this contract,  it is necessary that this item remain
 intact.  However,  it is intended  to cover only an  instance  where the tax is
 assessed because of this and/or similar relationships and is not intended to be
 applied as a result of increases or changes in general taxation.  Example of an
 applicable  tax: The State of Indiana places a tax on Service  Agreements  with
 any organization based outside of Indiana.

Page 3, item 20:  "Notice of termination and/or remedy"
(Amendment to First Paragraph)

 The parties  agree to amend the  Agreement  to reduce the  stipulated  120 days
"prior  written  notice"  to 60 days and to  reduce  the  stipulated  90 days to
"remedy said breach" to 45 days "from the receipt of such notice".

(Clarification of Second Paragraph)

 As  discussed,  (a) through (c) are remedies  that flow to Crittson  because we
 perform  the  services  addressed  and incur,  on your  behalf,  the  potential
 liability  involved.  Either  item  (d) or (e) is  applied  in the  case  of an
 unremedied  breach by you and is the only  alternative  available to CFC. Other
 than the "notification and remedy" amendments cited in the paragraph above, all
 other provisions of item 20 remain intact.

Page 4, item 25: Clarification

<PAGE>

 Applicable law remains the state of Indiana. This is just one contract for each
 bank but CFC would need fifty (50) different contracts,  potentially subject to
 the varying laws of fifty (50) different  states.  This simply isn't  practical
 for CFC, or for most companies,  and as a result,  similar contracts from other
 vendors, normally, provide for such home-based junction.

ACKNOWLEDGMENT and AGREEMENT:

         By the  authorized  signatures  affixed  below,  the  parties  mutually
         acknowledge  that they have  examined  this  addendum,  understand  and
         accede to the  clarifications  it  contains  and  agree to its  amended
         provisions.

CRITTSON FINANCIAL CORPORATION      FIRST SECURITY BANK OF LEXINGTON
                                 (Bank Name)

By: /s/ Kenneth R. Howard           By:  /s/ Julian E. Beard
                                             Julian E. Beard
Title:  Vice President              Title: Chairman/President

Date: 3/13/98                       Date: 3/13/98

<PAGE>

                                   SCHEDULE A

                       LISTING OF SERVICES PROVIDED BY CF

1.       New Account Set-Up

         -   assignment of account number
         -   video input of all new account information and verification of
             input

         -   timely issuance of new account plastics

2.       Non-Monetary File Maintenance

         -   name changes
         -   address changes
         -   providing additional or replacement cards

3.       Payment Processing

         - receiving  and verifying  mail  payments - payment  balancing - daily
         posting and input of payments - follow-up of NSF checks

4.       Customer Service

         -   provide toll-free WATS line for customer service calls from your
             cardholders
         -   explain finance charge calculation to cardholders, answer other
             miscellaneous questions
         - obtain  copies of sales drafts as required for  cardholders - process
         disputes and chargebacks according to the Federal Truth in

             Lending  Act and  other  regulation  requirements  - make  monetary
         adjustments to accounts as required for customer

             service

5.       Collection of Accounts

         -   overline review and control
         -   delinquency collection
         -   charge-off recommendation summary
         -   monthly reporting of sub-standard accounts on a per account basis

6.       Lost/Stolen Card Follow-up and Investigation

         - obtain  complete  report from  cardholder -  appropriate  blocking of
         account  for  authorization  denial  -  listing  account  in  necessary
         bulletin regions and for number of

             required publications
         -   initiate chargebacks where applicable

<PAGE>

         -   set up replacement accounts and transfer balance
         -   follow up all leads on fraudulent activity

7.       Accounting

         - processing of adjustments due to customer service - help manage money
         flow for the sale and purchase of drafts - advisement to institution of
         changes to receivables, income and

             expense accounts on a daily basis

8.       Provide the preparation of quarterly activity reports as required by
         MasterCard International Inc. and/or Visa USA.

9.       Tracking of plastic inventory and placing reorders as necessary

10.      Reports provided to customer

         -   Profitability (monthly, year-to-date)
         -   Delinquency
         -   Future planning (semi-annually)
         -   Program Evaluation/portfolio characteristics (frequency determined
             by client)

11.      New Merchant Set-Up

         - assignment of merchant number
         - video input of new merchant  information  and  verification  - adding
         merchant  to   VISA/MasterCard   Bulletin  mailing  lists  -  obtaining
         imprinter plates and deposit plastics

12.      Provide Merchant Instruction Sheets Covering:

         - draft completion - transmittal completion - authorization  procedures
         - bulletin procedures - deposit guidelines

         -   explanation of merchant monthly statements and advice of charge

13.      Merchant Draft Processing

         -   Draft Verification
         -   legibility
         -   completeness
         -   Monetary balancing
         -   Correction of errors

         -   Enter draft information into interchange

<PAGE>

14.      Processing Incoming Chargebacks

         -   verification of chargeback reason
         -   verification of documentation received
         -   verification of time limitation

15.      Balance Merchant Advices and Monthly Statements

16.      Ordering of Merchant Supplies On Behalf of Client

                                                      ACCEPTED

CRITTSON FINANCIAL LLC                   FIRST SECURITY BANK OF LEXINGTON
                                         Institutions Corporate Name

By: /s/ Kenneth R. Howard                By:  /s/ Julian E. Beard
                                                  Julian E. Beard
Title: Vice President                    Title: Chairman & President

Date:  2-13-98                            Date: 2-26-98

<PAGE>

                                   SCHEDULE B

                                   CBA PROGRAM

                    DESCRIPTION OF SERVICES, FEES AND CHARGES

SERVICE                         PRICE             EXPLANATION

1.  CF Servicing                $1.00 per month   Number of cardholder accounts
    A. Credit Card Accounts                       as shown on the Last Daily
       (includes all services                     Statistical Reports for each
       in Schedule A)                             month.

    B. Merchant Accounts        $2.00 per month   Number of merchant accounts as
                                                  shown on the Last Daily
                                                  Statistical Reports for each
                                                  month.

    C. Special Projects or      Per Quote        Implementation of Agent Banks,
       Special Requests                          Affinity Programs and/or other
                                                 special   requests   that  fall
                                                 outside  normal   servicing  as
                                                 same as  described  in Schedule
                                                 `A' of this Agreement.

    D. NSF Fee                  $6.00            Per NSF check charged back to
                                                 the customer's credit card
                                                 account.

                             ACCEPTED

CRITTSON FINANCIAL LLC                   FIRST SECURITY BANK OF LEXINGTON
                                         Financial Institution Name

By: /s/Kenneth R. Howard                 By: /s/ Julian E. Beard
                                                 Julian E. Beard

Date: 3-13-98                            Date: 2-26-98

<PAGE>

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