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                                                                    EXHIBIT 10.4

                          AMENDMENT TO PLEDGE AGREEMENT

         THIS AMENDMENT TO PLEDGE AGREEMENT (this "AMENDMENT") is made as of
July 25, 2002 by and among Superior Consultant Holdings Corporation, a Delaware
corporation ("LENDER") and Ronald V. Aprahamian ("PLEDGOR").

                                    RECITALS:

         (A) Lender has previously advanced $305,540 under a promissory note
made by Pledgor dated October 11, 2000 (the "OLD NOTE").

         (B) The Old Note is secured pursuant to a Pledge Agreement dated as of
October 11, 2000 between Pledgor and Lender (the "PLEDGOR AGREEMENT").

         (C) Lender and Pledgor have amended and restated the Old Note pursuant
to that certain Restated Promissory Note of even date herewith made by Pledgor
in favor of Lender (the "NEW NOTE").

         (D) The parties hereto mutually desire to amend the Pledge Agreement to
provide that the New Note is secured thereby.

         NOW, THEREFORE, in consideration of the foregoing Recitals and for
other good and valuable consideration, the receipt and sufficiency of which are
hereby acknowledged, the parties do hereby agree as follows:

         1. The Pledge Agreement is hereby amended to provide that the
capitalized term "Note" shall hereafter refer to the New Note. It is further
acknowledged and agreed that the original indebtedness evidenced by the Old Note
is merely being continued under the New Note, that such indebtedness has always
been secured by the Pledge Agreement since the moment it was first advanced by
Lender to Pledgor.

         2. In case, any provision of this Amendment shall be invalid, illegal
or unenforceable, to validity, legality and enforceability of the remaining
provisions shall not in any way be affected or impaired thereby. All headings
used herein are used for convenience only and shall not be used to construe or
interpret this Amendment.

         3. Except as otherwise expressly modified hereby, the Pledge Agreement,
shall remain in force unchanged and we hereby reaffirmed. This Amendment may be
executed in separate counterparts, all of which taken together shall constitute
the same Amendment.

         4. This Amendment shall be construed and enforced in accordance with,
and governed by, the internal laws of the State of Delaware, excluding that body
of law

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applicable to conflicts of law. This Amendment hereby restates, amends and
supercedes any earlier executed or unexecuted drafts or versions hereof.

         IN WITNESS WHEREOF, the undersigned have caused this Amendment to be
signed in their name as of July 25, 2002.

                                        SUPERIOR CONSULTANT HOLDINGS CORPORATION

                                        By:       /s/  Richard D. Helppie
                                                  ----------------------------
                                        Name:     Richard D. Helppie, CEO

                                                  /s/  Ronald V. Aprahamian
                                                  ----------------------------
                                                  Ronald V. Aprahamian

                                       2<PAGE>
                                                                    EXHIBIT 10.5

           AGREEMENT MADE AS OF AUGUST 23, 2002 BETWEEN FIRST NATIONAL
                        BANK OF GAYLORD AND FRED T. BURNS

         In consideration of the reliance placed by Fred T. Burns as a Director
of First National Bank of Gaylord on the Board Resolution of June 18, 1990, as
incorporated in Section 2.1 of the Bank's Bylaws prior to rescission of the
Resolution and the adoption of the Restated Bylaws in June 2002, First National
Bank of Gaylord (the "Bank"), and its successors and assigns, agrees to provide,
at Bank expense, to Fred T. Burns and his current spouse, if any, during their
lifetimes, the health insurance coverage that is provided from time to time to
individual employees of the Bank and their spouses (not including coverage of
any other dependents); provided, that if Fred T. Burns's current spouse ceases
to be his spouse, for any reason, (other than the death of Fred T. Burns), such
former spouse will not be entitled to coverage, and the coverage will not extend
to a subsequent spouse of Fred T. Burns; provided, that if a surviving spouse,
who otherwise would be entitled to coverage, remarries and becomes entitled to
health care coverage as the result of the remarriage, such spouse will no longer
be entitled to coverage from the Bank. This agreement cannot be altered or
modified, in any form, without the expressed written consent of the Bank and
Fred T. Burns or, if he is deceased, the express written consent of the
surviving spouse, if any, who would be entitled to coverage from the Bank.

FIRST NATIONAL BANK OF GAYLORD

John R. Kluck                                  /s/ Fred T. Burns
-----------------------------------            ---------------------------------
John R. Kluck, President & CEO                 Fred T. Burns, Director<PAGE>
                                                                    EXHIBIT 10.6

           AGREEMENT MADE AS OF AUGUST 23, 2002 BETWEEN FIRST NATIONAL
                      BANK OF GAYLORD AND KEITH H. GORNICK

         In consideration of the reliance placed by Keith H. Gornick as a
Director of First National Bank of Gaylord on the Board Resolution of June 18,
1990, as incorporated in Section 2.1 of the Bank's Bylaws prior to rescission of
the Resolution and the adoption of the Restated Bylaws in June 2002, First
National Bank of Gaylord (the "Bank"), and its successors and assigns, agrees to
provide, at Bank expense, to Keith H. Gornick and his current spouse, if any,
during their lifetimes, the health insurance coverage that is provided from time
to time to individual employees of the Bank and their spouses (not including
coverage of any other dependents); provided, that if Keith H. Gornick's current
spouse ceases to be his spouse, for any reason, (other than the death of Keith
H. Gornick), such former spouse will not be entitled to coverage, and the
coverage will not extend to a subsequent spouse of Keith H. Gornick; provided,
that if a surviving spouse, who otherwise would be entitled to coverage,
remarries and becomes entitled to health care coverage as the result of the
remarriage, such spouse will no longer be entitled to coverage from the Bank.
This agreement cannot be altered or modified, in any form, without the expressed
written consent of the Bank and Keith H. Gornick or, if he is deceased, the
express written consent of the surviving spouse, if any, who would be entitled
to coverage from the Bank.

FIRST NATIONAL BANK OF GAYLORD

/s/ John R. Kluck                              /s/ Keith H. Gornick
-----------------------------------            ---------------------------------
John R. Kluck, President & CEO                 Keith H. Gornick, Director<PAGE>
                                                                    EXHIBIT 10.7

           AGREEMENT MADE AS OF AUGUST 23, 2002 BETWEEN FIRST NATIONAL
                      BANK OF GAYLORD AND LARRY B. HIGGINS

         In consideration of the reliance placed by Larry B. Higgins as a
Director of First National Bank of Gaylord on the Board Resolution of June 18,
1990, as incorporated in Section 2.1 of the Bank's Bylaws prior to rescission of
the Resolution and the adoption of the Restated Bylaws in June 2002, First
National Bank of Gaylord (the "Bank"), and its successors and assigns, agrees to
provide, at Bank expense, to Larry B. Higgins and his current spouse, if any,
during their lifetimes, the health insurance coverage that is provided from time
to time to individual employees of the Bank and their spouses (not including
coverage of any other dependents); provided, that if Larry B. Higgins's current
spouse ceases to be his spouse, for any reason, (other than the death of Larry
B. Higgins), such former spouse will not be entitled to coverage, and the
coverage will not extend to a subsequent spouse of Larry B. Higgins; provided,
that if a surviving spouse, who otherwise would be entitled to coverage,
remarries and becomes entitled to health care coverage as the result of the
remarriage, such spouse will no longer be entitled to coverage from the Bank.
This agreement cannot be altered or modified, in any form, without the expressed
written consent of the Bank and Larry B. Higgins or, if he is deceased, the
express written consent of the surviving spouse, if any, who would be entitled
to coverage from the Bank.

FIRST NATIONAL BANK OF GAYLORD

/s/ John R. Kluck                              /s/ Larry B. Higgins
-----------------------------------            ---------------------------------
John R. Kluck, President & CEO                 Larry B. Higgins, Director<PAGE>
                                                                    EXHIBIT 10.8

           AGREEMENT MADE AS OF AUGUST 23, 2002 BETWEEN FIRST NATIONAL
                     BANK OF GAYLORD AND DOUGLAS C. JOHNSON

         In consideration of the reliance placed by Douglas C. Johnson as a
Director of First National Bank of Gaylord on the Board Resolution of June 18,
1990, as incorporated in Section 2.1 of the Bank's Bylaws prior to rescission of
the Resolution and the adoption of the Restated Bylaws in June 2002, First
National Bank of Gaylord (the "Bank"), and its successors and assigns, agrees to
provide, at Bank expense, to Douglas C. Johnson and his current spouse, if any,
during their lifetimes, the health insurance coverage that is provided from time
to time to individual employees of the Bank and their spouses (not including
coverage of any other dependents); provided, that if Douglas C. Johnson's
current spouse ceases to be his spouse, for any reason, (other than the death of
Douglas C. Johnson), such former spouse will not be entitled to coverage, and
the coverage will not extend to a subsequent spouse of Douglas C. Johnson;
provided, that if a surviving spouse, who otherwise would be entitled to
coverage, remarries and becomes entitled to health care coverage as the result
of the remarriage, such spouse will no longer be entitled to coverage from the
Bank. This agreement cannot be altered or modified, in any form, without the
expressed written consent of the Bank and Douglas C. Johnson or, if he is
deceased, the express written consent of the surviving spouse, if any, who would
be entitled to coverage from the Bank.

FIRST NATIONAL BANK OF GAYLORD

/s/ John R. Kluck                              /s/ Douglas C. Johnson
-----------------------------------            ---------------------------------
John R. Kluck, President & CEO                 Douglas C. Johnson, Director

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