Document:

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                                                                   EXHIBIT 10.70

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                          THIRD SUPPLEMENTAL INDENTURE

                                 By and Between

                                  CFLD-I, INC.

                                       and

                           ZIONS FIRST NATIONAL BANK,
                                   as Trustee

                                   Relating To

                       Amendments to the General Indenture

                            Dated as of April 1, 2002

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                                TABLE OF CONTENTS

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                                                                                 Page

                                       ARTICLE I

                        SHORT TITLE, DEFINITIONS AND AUTHORITY

<S>            <C>                                                                <C>
Section 1.01.  Short Title ........................................................ 3
Section 1.02.  Definitions ........................................................ 3
Section 1.03.  Authority .......................................................... 3

                                      ARTICLE II

                         DESIGNATIONS OF AFSA DATA CORPORATION

Section 2.01.  Designation of AFSA Data Corporation as an approved Servicer ....... 3
Section 2.02.  Designation of AFSA Data Corporation as an approved Subservicer .... 3

                                      ARTICLE III

                          AMENDMENTS TO THE GENERAL INDENTURE

Section 3.01.  Amendments to Section 1.01 of the General Indenture ................ 3
Section 3.02.  Amendment to Section 5.03 of the General Indenture ................. 4
Section 3.03.  Amendment to Section 5.04 of the General Indenture ................. 4
Section 3.04.  Amendment to Exhibit C to the General Indenture .................... 4

                                      ARTICLE IV

                    AMENDMENTS TO THE FIRST SUPPLEMENTAL INDENTURE

Section 4.01.  Amendment to Section 2.08(c) of the First Supplemental Indenture ... 4
Section 4.02.  Amendment to Section 2.08(d) of the First Supplemental Indenture ... 5
Section 4.03.  Amendment to Section 3.05 of the First Supplemental Indenture ...... 5

                                       ARTICLE V

                                     MISCELLANEOUS

Section 5.01.  Third Supplemental Indenture Construed with General Indenture ...... 6
Section 5.02.  General Indenture as Supplemented to Remain in Effect .............. 6
Section 5.03.  Severability ....................................................... 6
Section 5.04.  Confirmation of Actions ............................................ 6
Section 5.05.  Governing Law ...................................................... 6
Section 5.06.  Execution in Counterparts .......................................... 6

EXHIBIT A -- FINANCED STUDENT LOAN REPORT
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         THIS THIRD SUPPLEMENTAL INDENTURE, dated as of April 1, 2002 (this
"Third Supplemental Indenture"), is entered into by and between CFLD-I, INC.
(the "Corporation"), a corporation established under the laws of the State of
Delaware, and ZIONS FIRST NATIONAL BANK, a national banking association
authorized to accept trusts of the nature established herein (the "Trustee"),
and amends and supplements the General Indenture, dated as of April 1, 2001 (the
"General Indenture"), between the Corporation and the Trustee, as previously
supplemented by the First Supplemental Indenture, dated as of April 1, 2001 (the
"First Supplemental Indenture"), between the Corporation and the Trustee, and
the Second Supplemental Indenture, dated as of April 1, 2002 (the "Second
Supplemental Indenture"), between the Corporation and the Trustee. The General
Indenture, as amended and supplement, including the First Supplemental Indenture
and the Second Supplemental Indenture, is referred to herein as the "Indenture."

         WHEREAS, the Corporation issues Notes (as defined in the General
Indenture) pursuant to the terms and provisions of the Indenture and uses the
proceeds therefrom to, among other uses, to purchase Student Loans (as defined
in the General Indenture); and

         WHEREAS, the Corporation is presently prohibited from purchasing
Student Loans which have not been fully disbursed; and

         WHEREAS, the Corporation desires to purchase Student Loans which have
not been fully disbursed; and

         WHEREAS, the Corporation and UICI Funding Corp. 2, a Delaware
corporation ("UICI Funding"), have entered into an Amended and Restated Student
Loan Purchase Agreement, dated April 10, 2002, permitting the Corporation to
purchase Student Loans which have not been fully disbursed; and,

         WHEREAS, the Student Loans are presently being serviced pursuant to a
Master Servicing Agreement, dated as of April 1, 2001, between the Corporation
and UICI Funding, Inc. ("UICI Funding"), and subserviced by Sallie Mae Servicing
L.P., EFG Technologies, Inc. and The MEGA Life and Health Insurance Company
pursuant to subservicing agreements with UICI Funding; and

         WHEREAS, the Corporation and UICI Funding desire to appoint AFSA Data
Corporation as an additional Servicer and/or Subservicer pursuant to the
Indenture; and

         WHEREAS, the Corporation desires to use Recoveries of Principal on the
Financed Student Loans to call any Series of Notes, as determined by the
Corporation; and

         WHEREAS, Sections 8.01(g) and 8.01(t) of the General Indenture permits
the Corporation and the Trustee, with the written consent of each Credit
Facility Provider (as defined in the General Indenture), but without the consent
of the Registered Owners (as defined in the General Indenture) of any Notes
issued under the General Indenture, to enter into Supplemental Indentures (as
defined in the General Indenture) which amend and supplement the General
Indenture (which Supplemental Indentures shall thereafter form a part of the
General Indenture) (i) to authorize the issuance of one or more Series of Notes
and to prescribe the terms and conditions upon which such Notes may be issued
and (ii) for the purpose to make any change to

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the Indenture with a Credit Confirmation (or, for Notes not subject to a Credit
Facility, a Rating Confirmation (each as defined in the General Indenture)); and

         WHEREAS, the definition of "Servicer" in Section 1.01 of the General
Indenture provides that the term "Servicer" shall include or any other loan
servicer approved in writing by each Credit Facility Provider, if any, and if no
Credit Facility Provider is in place, with a Rating Notification (as defined in
the General Indenture); and

         WHEREAS, the definition of "Subservicer" in Section 1.01 of the General
Indenture provides that the term "Subservicer" shall include any other
subservicer of Financed Student Loans approved in writing by each Credit
Facility Provider, if any, and if no Credit Facility Provider is in place,
appointed by the Servicer with a Rating Notification; and

         WHEREAS, Section 9.02 of the General Indenture permits the Corporation
and the Trustee, with the written consent of each Credit Facility Provider, to
make any modification of or amendment to the Indenture and of the rights and
obligations of the Corporation under a Supplemental Indenture, and of the
Registered Owners of the Notes of any particular Series, by a Supplemental
Indenture, with the written consent of the Registered Owners of at least 51% in
principal amount of the Senior Notes Outstanding; and

         WHEREAS, Section 9.02 of the General Indenture and Section 4.01 of the
First Supplemental Indenture provide that, if Credit Facility is in effect with
respect to a Series of the Series 2001A Notes and the Credit Facility Provider
is not in default of its obligation to make payments thereunder, the Credit
Facility Provider shall be deemed to be the Registered Owner of all such Series
of the Series 2001A Notes then Outstanding for all purposes (including, without
limitation, all approvals, consents, waivers, authorizations, directions,
inspections and the institution of any action); and

         WHEREAS, all of the Notes issued pursuant to the Indenture are secured
by Credit Facilities issued by MBIA Insurance Corporation; and

         WHEREAS, MBIA Insurance Corporation, as the sole Credit Facility
Provider, has approved the appointment of AFSA Data Corporation as an additional
Servicer and/or Subservicer under the Indenture, the purchase by the Corporation
of Student Loans which have not been fully disbursed and the execution and
delivery of this Third Supplemental Indenture by the Corporation and the
Trustee; and

         WHEREAS, all things necessary to constitute the Indenture, including
this Third Supplemental Indenture, a valid, binding and legal instrument for the
security of the Notes issued pursuant to the Indenture in accordance with its
terms, have been done and performed.

         NOW, THEREFORE, THIS THIRD SUPPLEMENTAL INDENTURE WITNESSETH:

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                                    ARTICLE I

                     SHORT TITLE, DEFINITIONS AND AUTHORITY

         SECTION 1.01. SHORT TITLE. This Third Supplemental Indenture shall be
known as and may be designated by the short title "Third Supplemental Indenture"
(this "Third Supplemental Indenture").

         SECTION 1.02. DEFINITIONS. All words and phrases defined in the General
Indenture, the First Supplemental Indenture and the Third Supplemental
Indenture, respectively, shall have the same meaning in this Third Supplemental
Indenture.

         SECTION 1.03. AUTHORITY. This Third Supplemental Indenture is executed
pursuant to the provisions of the General Indenture and a resolution of the
Corporation.

                                   ARTICLE II

                      DESIGNATIONS OF AFSA DATA CORPORATION

         SECTION 2.01. DESIGNATION OF AFSA DATA CORPORATION AS AN APPROVED
SERVICER. The definition of "Servicer" contained in Section 1.01 of the General
Indenture is hereby amended to include AFSA Data Corporation as an approved
Servicer.

         SECTION 2.02. DESIGNATION OF AFSA DATA CORPORATION AS AN APPROVED
SUBSERVICER. The definitions of "Subservicer" contained in Section 1.01 of the
General Indenture is hereby amended to include AFSA Data Corporation as an
approved Subservicer.

                                   ARTICLE III

                       AMENDMENTS TO THE GENERAL INDENTURE

         SECTION 3.01. AMENDMENTS TO SECTION 1.01 OF THE GENERAL INDENTURE.
Section 1.01 of the General Indenture is hereby amended by the addition of the
following definitions:

               "Undisbursed Student Loan" means a Student Loan which requires
         the lender thereunder to loan additional amounts to the borrower
         thereof pursuant to the terms of such Student Loan.

In addition, the definition of "College First Student Loan Purchase Agreement"
in Section 1.01 of the General Indenture is hereby amended in its entirety to
read as follows:

               "College First Student Loan Purchase Agreement" means the Amended
         and Restated Student Loan Purchase Agreement, dated April 10, 2002,
         between the Corporation and UICI Funding and relating to College First
         Student Loans, as amended and supplemented pursuant to the terms
         thereof.

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         SECTION 3.02. AMENDMENT TO SECTION 5.03 OF THE GENERAL INDENTURE.
Section 5.03 of the General Indenture is hereby amended by the addition of the
following paragraph at the end thereof:

               If the Acquisition Fund contains any Undisbursed Student Loans,
         no amounts may be disbursed from the Acquisition Fund unless, after
         such disbursement, as certified by the Corporation, the Acquisition
         Fund shall contain an amount sufficient to purchase the remaining
         interests in all Undisbursed Student Loan represented by the future
         disbursement obligations on such Undisbursed Student Loans. The
         Trustee may conclusively rely upon the Corporation's certification
         without further duty to know, determine or conduct further
         examination. Neither the Corporation nor the Trustee assumes, or shall
         assume, any obligation to fund any future disbursement obligations to
         a borrower pursuant to any Undisbursed Student Loan purchase
         hereunder, and neither the Corporation nor the Trustee shall be
         obligated or permitted to fund any such future disbursement
         obligations; provided, however, the Corporation may agree to purchase
         the remaining portion of any Undisbursed Student Loan represented by
         the future disbursement once such future disbursement obligation has
         been funded by the original lender thereunder.

         SECTION 3.03. AMENDMENT TO SECTION 5.04 OF THE GENERAL INDENTURE.
Section 5.04(b)(xix) of the General Indenture is hereby amended in its entirety
to read as follows:

               (xix) as directed in a Corporation order, any portion or all of
         the remaining money shall be transferred to the Acquisition Fund and
         applied as set forth in Section 5.03 hereof or to a Principal Account
         of the Note Fund and used to redeem Notes.

         SECTION 3.04. AMENDMENT TO EXHIBIT C TO THE GENERAL INDENTURE. Exhibit
C to the General Indenture is hereby replaced with Exhibit A to this Third
Supplemental Indenture.

                                   ARTICLE IV

                 AMENDMENTS TO THE FIRST SUPPLEMENTAL INDENTURE

         SECTION 4.01. AMENDMENT TO SECTION 2.08(c) OF THE FIRST SUPPLEMENTAL
INDENTURE. Clauses (ii) and (iii) of Section 2.08(c) of the First Supplemental
Indenture are hereby amended in their entirety to read as follows:

                  (ii) The Notes, including the Series 2001A Notes, are subject
         to mandatory redemption prior to their maturity on the first Interest
         Payment Date which is at least 45 days after July 1, 2005 from
         Recoveries of Principal on deposit in the Acquisition Fund on such
         date, or such later date agreed to in writing by the Credit Facility
         Provider, in whole or in part, at a redemption price equal to 100% of
         the principal amount of such Series 2001A Notes or portions thereof
         redeemed, together with accrued interest thereon (but not including any

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         Carry-over Amount thereon and any accrued interest on such Carry-over
         Amount) to the date of redemption. Any moneys representing Recoveries
         of Principal remaining on deposit in the Acquisition Fund after the
         redemption described in this paragraph (ii) (which amount must be less
         than the smallest Authorized Denomination for the Notes) shall be
         transferred to the Revenue Fund. The Series of Notes to be redeemed
         shall be selected by the Corporation.

                  (iii) The Notes, including the Series 2001A Notes, shall be
         subject to mandatory redemption prior to their maturity on each
         Interest Payment Date from Recoveries of Principal deposited to the
         Senior Principal Account of the Note Fund on the 45th day prior to such
         Interest Payment Date, in whole or in part, at a redemption price equal
         to 100% of the principal amount of such Series 2001A Notes or portions
         thereof redeemed, together with accrued interest thereon (but not
         including any Carry-over Amount thereon and any accrued interest on
         such Carry-over Amount) to the date of redemption. The Series of Notes
         to be redeemed shall be selected by the Corporation.

         SECTION 4.02. AMENDMENT TO SECTION 2.08(d) OF THE FIRST SUPPLEMENTAL
INDENTURE. Section 2.08(d) of the First Supplemental Indenture is hereby amended
in its entirety to read as follows:

                  (d) NOTICE. Notice of the redemption of Series 2001A Notes
         shall be given pursuant to Section 6.04 of the General Indenture,
         except that notice shall be given at least thirty (30) days before the
         Redemption Date.

         SECTION 4.03. AMENDMENT TO SECTION 3.05 OF THE FIRST SUPPLEMENTAL
INDENTURE. Section 3.05 of the First Supplemental Indenture is hereby amended in
its entirety to read as follows:

         SECTION 3.05. RECOVERIES OF PRINCIPAL, RECYCLING. The Corporation may
finance additional Student Loans with amounts on deposit in the Acquisition Fund
before July 1, 2005, (or such later date approved in writing by the Credit
Facility Provider) derived from Revenues and Recoveries of Principal on
Financed Student Loans purchased with proceeds of the Series 2001A Notes (or
with Recoveries of Principal derived therefrom); provided, however, the Credit
Facility Provider may direct the Corporation in writing to not purchase any
Student Loans at any time if the Credit Provider provides the Corporation and
the Trustee with a certificate stating a reasonable basis why the financing of
additional Student Loans should not continue, and the Credit Facility Provider
may also subsequently permit Student Loans to again be purchased by giving
written notice to the Corporation and the Trustee. Prior to July 1, 2005, (or
such later date approved in writing by the Credit Facility Provider), Recoveries
of Principal on Financed Student Loans purchased with proceeds of the Series
2001A Notes (or with Recoveries of Principal derived therefrom) shall be
deposited to the Acquisition Fund. On and after July 1, 2005, (or such later
date approved in writing by the Credit Facility Provider), all Recoveries of
Principal on Financed Student Loans purchased with proceeds of the Series 2001A
Notes

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(or with Recoveries of Principal derived therefrom) shall be deposited to the
Senior Principal Account of the Note Fund and used to redeem Notes.

                                    ARTICLE V

                                  MISCELLANEOUS

         SECTION 5.01. THIRD SUPPLEMENTAL INDENTURE CONSTRUED WITH GENERAL
INDENTURE. All of the provisions of this Third Supplemental Indenture shall be
deemed to be and construed as part of the General Indenture to the same extent
as if fully set forth therein.

         SECTION 5.02. GENERAL INDENTURE AS SUPPLEMENTED TO REMAIN IN EFFECT.
Save and except as herein supplemented by this Third Supplemental Indenture, the
General Indenture shall remain in full force and effect.

         SECTION 5.03. SEVERABILITY. In any section, paragraph, clause or
provision of this Third Supplemental Indenture shall for any reason be held to
be invalid or unenforceable, the invalidity or unenforceability of such section,
paragraph, clause or provision shall not affect any of the remaining provisions
of this Third Supplemental Indenture.

         SECTION 5.04. CONFIRMATION OF ACTIONS. All action (not inconsistent
with the provisions of this Third Supplemental Indenture) heretofore taken by
the Corporation, directed toward the issuance and sale of the Series 2002A Notes
is hereby ratified, approved and confirmed.

         SECTION 5.05. GOVERNING LAW. This Third Supplemental Indenture shall be
construed in accordance with the laws of the State.

         SECTION 5.06. EXECUTION IN COUNTERPARTS. This Third Supplemental
Indenture may be executed in any number of counterparts, each of which, when so
executed and delivered, shall be an original; but such counterparts shall
together constitute but one and the same instrument.

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         IN WITNESS WHEREOF, the undersigned President and Secretary of the
Corporation and an authorized officer of the Trustee have hereunto executed this
Third Supplemental Indenture as of the date first written above.

                                        CFLD-I, INC.

                                        By /s/ GLENN W. REED
                                          ------------------------
                                          Glenn W. Reed, President

Attest:

By /s/ PEGGY G. SIMPSON
  ---------------------------
  Peggy G. Simpson, Secretary

                                        ZIONS FIRST NATIONAL BANK as Trustee

                                        By /s/ DAVID W. BATA
                                          -----------------------------
                                          David W. Bata, Vice President

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         The undersigned representative of MBIA Insurance Corporation, as the
sole Credit Facility Provider, hereby approves the appointment of AFSA Data
Corporation as an additional Servicer and Subservicer under the Indenture and
consents to and approves the execution and delivery of this Third Supplemental
Indenture.

                                           MBIA INSURANCE CORPORATION

                                           By /s/ LISA A. WILSON
                                             ------------------------
                                           Name: Lisa A. Wilson
                                                ---------------------
                                           Title: Assistant Secretary
                                                 --------------------

                                       8<PAGE>
                                                                   EXHIBIT 10.29

                            SIXTH AMENDMENT TO LEASE

                  This SIXTH AMENDMENT TO LEASE (hereinafter called "SIXTH
AMENDMENT") is made and entered into as of the 25th day of April, 2002 by and
between EBS BUILDING, L.L.C., a Delaware limited liability company ("LANDLORD"),
and EDISON BROTHERS STORES, INC., a Delaware corporation ("TENANT").

                                   WITNESSETH:

                  WHEREAS, Landlord and Tenant entered into a certain Standard
Office Lease dated September 30, 1998, as amended by that certain First
Amendment to Lease dated as of November 18, 1999 and as further amended by that
certain Second Amendment to Lease dated as of June 30, 2001 and as further
amended by that certain Third Amendment to Lease dated as of March 5, 2001 and
as further amended by that certain Fourth Amendment to Lease dated as of May 25,
2001 and as further amended by that certain Fifth Amendment to Lease dated as of
November 26, 2001 (as so amended, the "LEASE") for certain premises (as more
fully described therein, the "PREMISES") located in the building known and
numbered as 501 North Broadway, St. Louis, Missouri; and

                  WHEREAS, on March 9, 1999, Tenant commenced voluntary
reorganization proceedings under Chapter 11 of the United States Bankruptcy Code
(the "BANKRUPTCY CODE") in the United States Bankruptcy Court (the "BANKRUPTCY
COURT") for the District of Delaware (Case No. 99-529 (MFW)), which proceedings
were subsequently converted, by order of the Bankruptcy Court dated July 5,
2000, to a case under Chapter 7 of the Bankruptcy Code (the "CASE"); and

                  WHEREAS, Tenant desires to further extend the term of the
Lease and its occupancy of the Premises and Landlord is agreeable to such
extension; and

                  WHEREAS, words and phrases having defined meanings in the
Lease shall have the same respective meanings when used herein, unless otherwise
expressly defined herein; and

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

                  1. Amendment of Lease. Landlord and Tenant agree to amend the
Lease on and subject to the terms and conditions set forth herein, as follows:

<PAGE>

                           a. Amendment to Section 3.1. Section 3.1 of the Lease
                           is hereby amended to effectuate an extension of the
                           Term of the Lease by deleting the words "June 30,
                           2002" at the end of the last grammatical sentence
                           thereof and substituting therefor the words
                           "September 30, 2002".

                  2. Miscellaneous.

                  a. This Sixth Amendment may be executed in one or more
counterparts, each of which shall be deemed an original and all such
counterparts, taken together, shall constitute but one and the same instrument.
Facsimile signatures on any counterpart shall be effective as an original
signature.

                  b. Except as expressly amended and modified hereby, all of the
terms and provisions of this Lease shall remain unchanged and in full force and
effect and are hereby ratified and confirmed.

                  c. This Sixth Amendment shall inure to the benefit of the
parties hereto and their respective successors and assigns.

                  3. Effectiveness. This Sixth Amendment shall be effective at
such time as the Bankruptcy Court issues an order approving this Sixth Amendment
and such order has become final and nonappealable. Tenant covenants to proceed
in good faith and with all due diligence to file and prosecute an appropriate
motion with the Bankruptcy Court in order to obtain the Bankruptcy Court's
approval of this Sixth Amendment and ratification of Tenant's execution and
delivery hereof. Such motion shall be filed with the Bankruptcy Court not later
than five (5) business days after Tenant's receipt of a fully-executed copy of
this Sixth Amendment and Tenant shall request a hearing date thereon of not
later than thirty (30) days from the date of filing of such motion. In the event
Tenant's motion to approve and ratify this Sixth Amendment is denied, or in the
event an order approving and ratifying this Sixth Amendment is not entered in
the Case by June 30, 2002, the Lease shall automatically terminate effective
June 30, 2002 without any further action by Landlord or Tenant hereunder. Tenant
acknowledges that Tenant's covenant to prosecute the foregoing motion is a
material inducement to Landlord to enter into this Sixth Amendment. Tenant
further acknowledges that Landlord's accommodation of Tenant's continuing need
for space in Landlord's building beyond the earlier negotiated termination date
of the Lease has been of direct benefit to Tenant's and Tenant's bankruptcy
estate.

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                  IN WITNESS WHEREOF, Landlord and Tenant have respectively
signed this Sixth Amendment to Lease as of the day and year first written above.

                        LANDLORD:

                        EBS BUILDING, L.L.C.

                        By: PricewaterhouseCoopers LLP, as Manager

                        By:      /s/ KEITH F. COOPER
                           --------------------------------------------------
                        Name:    Keith F. Cooper
                             ------------------------------------------------
                        Title:   Partner
                              -----------------------------------------------

                        Date:    April 29, 2002
                             ------------------------------------------------

                        TENANT:

                        EDISON BROTHERS STORES, INC.

                        By:      /s/ ALAN M. JACOBS
                             ------------------------------------------------
                        Name:    Alan M. Jacobs
                                 Chapter 7 Trustee of the Estate of Edison
                                 Brothers Stores, Inc.

                        Date:    April 25, 2002
                             ------------------------------------------------

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