Document:

Exhibit 4(a)

                   AMENDMENT TO REVOLVING CREDIT AGREEMENT

                                                             January 21, 2000

Jacobson Stores Inc.
3333 Sargent Road
Jackson, Michigan 49201

           Re:   Revolving Credit Agreement dated as of March 24, 1997, as
                 amended (the "Loan Agreement"), among Jacobson Stores Inc.
                 (the "Borrower"), the Lenders described therein and The CIT
                 Group/Business Credit, Inc., as Agent (the "Agent") for the
                 Lenders

Ladies and Gentlemen:

Reference is made to the Loan Agreement. All capitalized terms used herein
and not defined shall have the meanings given to such terms in the Loan
Agreement.

This letter shall confirm the agreement of the Borrower and Agent, on behalf
of the Lenders, to amend the Loan Agreement in the following manner:

           1. The first sentence of Section 8.04(b) of the Loan Agreement is
amended by (a) deleting the word "and" set forth immediately before clause
(v) of such sentence, and (b) adding at the end of such sentence a new clause
(vi) which reads as follows:

           "(vi) the Borrower may sell real estate owned by the Borrower to
           unrelated third parties in connection with sale-leaseback
           transactions relating to such real estate, provided that the
           Borrower continues to occupy such real estate after such sale".

           2. Section 8.07 of the Loan Agreement is amended by (a) deleting
clause (i) thereof in its entirety and (b) deleting the phrase "and
$12,000,000 for each fiscal year thereafter" set forth in clause (ii)
thereof, and inserting in its place the phrase ", $13,000,000 for the fiscal
years ending January, 2000 and January 2001, $16,000,000 for the fiscal year
ending January, 2002 and $18,000,000 for each fiscal year thereafter".

           3. Section 8.08 of the Loan Agreement is amended and restated in
its entirety to read as follows:

Jacobson Stores Inc.
January 21, 2000
Page 2

                     "8.08 Capital Expenditures. Make or be committed to
           make, or permit any of its Subsidiaries to make or be committed to
           make, any capital expenditure (by purchase or capitalized lease)
           for fixed or capital assets other than expenditures (including
           obligations under Capitalized Leases) which would not cause the
           aggregate amount of all such expenditures to exceed (i)
           $10,000,000 for the fiscal year ending January 31, 2000, (ii)
           $20,000,000 for the fiscal year ending January 31, 2001, (iii)
           $22,500,000 for the fiscal year ending January 31, 2002 and (iv)
           $25,000,000 for each fiscal year thereafter. In addition, the
           portion of such capital expenditures paid for in cash by the
           Borrower shall not exceed the Maximum Permitted Amount. For
           purposes of this Section 8.08, the term "Maximum Permitted Amount"
           shall mean (i) $25,000,000 (or the maximum amount of total capital
           expenditures set forth above, if less) if Availability of at least
           $30,000,000 (computed assuming that the Activated Revolving Credit
           Commitments are $100,000,000) exists at all times during such
           fiscal year and for sixty (60) days after such fiscal year ends
           after giving effect to such expenditure (ii) $15,000,000 if
           Availability of at least $20,000,000 (computed assuming that the
           Activated Revolving Credit Commitments are $100,000,000) exists at
           all times during such fiscal year and for sixty (60) days after
           such fiscal year ends after giving effect to such expenditure and
           (iii) $10,000,000 at all other times, provided in each case no
           Event of Default or Potential Default shall have occurred and be
           continuing."

All references to the Loan Agreement, whether set forth in the Loan Agreement
itself or in any of the other Loan Documents, shall be deemed to be
references to the Loan Agreement as amended hereby.

Except as expressly amended by the terms of this letter, the Loan Agreement
shall remain unmodified and in full force and effect. Please acknowledge your
agreement to the terms of this letter by executing this letter on the
following page and returning it to the undersigned. In addition, we request
that all guarantors execute this letter where indicated below to confirm that
their respective guaranties shall continue in full force and effect
notwithstanding the agreements of the Borrower and Agent set forth in this
letter.

                                        Very truly yours,

                                        THE CIT GROUP/BUSINESS CREDIT,
                                        INC., as Agent for the Lenders

                                        By: /S/ Bond Harberts
                                        Its: Assistant Vice President
                                             ------------------------Exhibit 10(a)

                      AMENDMENT TO EMPLOYMENT AGREEMENT

           THIS AMENDMENT TO EMPLOYMENT AGREEMENT ("Amendment") is entered
into as of April 10, 2000, between JACOBSON STORES INC., a Michigan
corporation of Jackson, Michigan (the "Company"), and P. GERALD MILLS, of
Chelsea, Michigan ("Mills").

           THE PARTIES HEREBY AGREE that the restated Employment Agreement
between them dated as of June 11, 1998, as amended effective April 11, 1999
(the "Agreement"), is further amended effective April 16, 2000, as follows:

               Compensation. The phrase "Three Hundred Fifty Thousand Dollars
           ($350,000)" in paragraph 2 of the amended Agreement is amended to
           read "Four Hundred Twenty-Five Thousand Dollars ($425,000)".

           Except as expressly amended hereby, the Agreement shall continue
in full force and effect.

IN THE PRESENCE OF:                    JACOBSON STORES INC.

/s/  Dana J. Collins                   By: /s/  Paul W. Gilbert
---------------------------                ---------------------------------
                                             Paul W. Gilbert
                                             Its: Vice Chairman of the Board

/s/  Timothy J. Spalding               /s/  P. Gerald Mills
---------------------------            -------------------------------------
                                       P. Gerald MillsExhibit 10(b)

                      AMENDMENT TO EMPLOYMENT AGREEMENT

           THIS AMENDMENT TO EMPLOYMENT AGREEMENT ("Amendment") is entered
into as of April 10, 2000, between JACOBSON STORES INC., a Michigan
corporation of Jackson, Michigan (the "Company"), and PAUL W. GILBERT, of
Jackson, Michigan ("Gilbert").

           THE PARTIES HEREBY AGREE that the restated Employment Agreement
between them dated as of June 11, 1998, as amended effective April 11, 1999
(the "Agreement"), is further amended effective April 16, 2000, as follows:

           Compensation. The phrase "Three Hundred Fifty Thousand Dollars
($350,000)" in paragraph 2 of the amended Agreement is amended to read "Four
Hundred Thousand Dollars ($400,000)".

           Except as expressly amended hereby, the Agreement shall continue
in full force and effect.

IN THE PRESENCE OF:                    JACOBSON STORES INC.

/s/  Dana J. Collins                   By: /s/ P. Gerald Mills
---------------------------                ---------------------------------
                                             P. Gerald Mills
                                             Its: Chairman of the Board and
                                                      Chief Executive Officer

/s/  Timothy J. Spalding               /s/  Paul W. Gilbert
---------------------------            -------------------------------------
                                       Paul W. GilbertExhibit 10(c)

                      AMENDMENT TO EMPLOYMENT AGREEMENT

           THIS AMENDMENT TO EMPLOYMENT AGREEMENT ("Amendment") is entered
into as of April 10, 2000, between JACOBSON STORES INC., a Michigan
corporation of Jackson, Michigan (the "Company"), and JAMES A. RODEFELD, of
Jackson, Michigan ("Rodefeld").

           THE PARTIES HEREBY AGREE that the restated Employment Agreement
between them dated as of June 11, 1998, as amended effective April 11, 1999
(the "Agreement"), is further amended effective April 16, 2000, as follows:

           Compensation. The phrase "Two Hundred Fifty Thousand Dollars
($250,000)" in paragraph 2 of the amended Agreement is amended to read "Three
Hundred Thousand Dollars ($300,000)".

           Except as expressly amended hereby, the Agreement shall continue
in full force and effect.

IN THE PRESENCE OF:                    JACOBSON STORES INC.

/s/  Dana J. Collins                   By: /s/ P. Gerald Mills
---------------------------                ---------------------------------
                                             P. Gerald Mills
                                             Its: Chairman of the Board and
                                                      Chief Executive Officer

/s/  Timothy J. Spalding               /s/  James A. Rodefeld
---------------------------            -------------------------------------
                                       James A. RodefeldExhibit 10(d)

                        EXECUTIVE EMPLOYMENT AGREEMENT

           THIS AGREEMENT is entered into April 11 2000, between JACOBSON
STORES INC., a Michigan corporation, of Jackson, Michigan (the "Company"),
and Theodore R. Kolman the "Associate").

           THE PARTIES AGREE AS FOLLOWS:

           1. Employment and Term. The Company employs Associate as Senior
Vice President-General Merchandise Manager,and Associate agrees to serve in
that capacity and/or in such other capacity or capacities as the Chief
Executive Officer of the Company deems advisable, commencing April 16, 2000,
and continuing through April 14, 2001, unless terminated sooner pursuant to
the provisions of paragraph 4, for the salary and on the terms set forth
herein.

           2. Compensation. Subject to the provisions of paragraph 4, the
Company agrees to pay Associate salary at an annual rate of $ 185,000, in
bi-weekly or other regular periodic installments no less frequent than
monthly.

            3. Duties. Associate agrees, as long as employment by the Company
continues, to devote Associate's entire time and best efforts to furthering
the interests of the Company; to comply with all regulations and policies of
the Company; and to perform the duties requested by any officers and
executives of the Company to whom the Associate is directed to report.

            4. Termination. Associate's employment under this Agreement shall
terminate on the earliest to occur of the following: (1) immediately upon
Associate's death, (2) at the Company's option, immediately when notice to
Associate of such termination is given after Associate's permanent incapacity
(established to the reasonable satisfaction of the Chief Executive Officer of
the Company), (3) at the Company's option, immediately when notice to
Associate of such termination is given (for any reason or for no reason and
regardless of whether there is good cause for such termination), (4) 30 days
after notice of such termination is given to the Company by Associate, and
(5) April 14, 2001. Notice will be deemed to be given on the earliest of (1)
when delivered, or (2) three business days after mailed by certified or
registered mail, postage prepaid, return receipt requested, or (3) one
business day after sent by recognized overnight courier, if to Associate, to
Associate's address on the Company's corporate records, and if to the
Company, to the address of its principal executive offices. The following
events during the term of this Agreement shall have the following respective
effects on the obligations of the Company pursuant hereto:

                    (a) If employment is terminated due to Associate's death
or permanent incapacity, the Company shall have no obligation to pay any
salary or other amounts or benefits under this Agreement or otherwise for any
period after the date of termination of employment, but benefits may continue
to the extent provided in any wage continuation program, insurance, or other
Associate benefit plans that are generally applicable to all Associates of
the Company and that are maintained by the Company at that time.

                    (b) Except as otherwise provided in paragraph 4(c), if
employment is terminated by the Company (for any reason or for no reason and
regardless of whether there is good cause for such termination), or if
Associate resigns or retires before or at the expiration of the term, the
Company shall have no obligation to pay any salary or other amounts or
benefits under this Agreement or otherwise for any period after the date of
termination of employment, but benefits may continue to the extent provided
in any severance program, wage

continuation program, insurance, or other Associate benefit plans that are
generally applicable to all Associates of the Company and that are maintained
by the Company at that time.

                    (c) If (1) a "Change in Control" (as defined below)
occurs during the term of Associate's employment under this Agreement, and
(2) either Associate terminates Associate's employment with the "Entity" (as
defined below) for "Good Reason" (as defined below) or the "Entity"
terminates Associate's employment without "Cause" (as defined below), both
within one year after the Change in Control, Associate will receive an amount
equal to Associate's annual salary at the rate set forth in paragraph 2 for
the period from the date of such termination through the date that is 24
months after the date such Change in Control occurs. Such payments shall be
made at the times provided in paragraph 2. The Company may withhold from such
payments all federal, state, city and other taxes to the extent such taxes
are required to be withheld by applicable law. The Company's obligation to
pay the salary continuation payments provided in this paragraph 4(c) shall
survive the expiration of the term.

                        (i) For purposes of this Agreement, a "Change in
           Control" occurs on the first day any one or more of the following
           occurs:

                             (A) any person (as such term is used in Sections
                   13(d) and 14(d)(2) of the Securities Exchange Act of 1934,
                   as amended (the "Exchange Act")), together with all
                   affiliates and associates of such person (as such terms
                   are defined in Rule 12b-2 under the Exchange Act) but
                   excluding all "Excluded Persons" (as defined in paragraph
                   4(c)(ii)), becomes the direct or indirect beneficial owner
                   (within the meaning of Rule 13d-3 under the Exchange Act)
                   of securities of the Company representing (A) 20% or more
                   of the combined voting power of all of the Company's
                   outstanding securities entitled to vote generally in the
                   election of the Company's directors, or (B) 20% or more of
                   the combined shares of the Company's capital stock then
                   outstanding, all except in connection with any merger,
                   consolidation, reorganization or share exchange involving
                   the Company;

                             (B) the consummation of any merger,
                   consolidation, reorganization or share exchange involving
                   the Company, unless the holders of the Company's capital
                   stock outstanding immediately before such transaction own
                   more than 50% of the combined outstanding shares of
                   capital stock and have more than 50% of the combined
                   voting power in the surviving entity after such
                   transaction and they own such securities in substantially
                   the same proportions (relative to each other) as they
                   owned the Company's capital stock immediately before such
                   transaction;

                             (C) the consummation of any sale or other
                   disposition (in one transaction or a series of related
                   transactions) of all, or substantially all, of the
                   Company's assets to a person whose acquisition of 20% or
                   more of the combined shares of the Company's capital stock
                   then outstanding would have caused a Change in Control
                   under paragraph 4(c)(i)(A); or

                                    - 2 -

                             (D) the "Continuing Directors" (as defined in
                   paragraph 4(c)(iii)) cease to be a majority of the
                   Company's directors.

           A determination by the Company's Continuing Directors (by
           resolution of at least a majority of the Continuing Directors) as
           to whether a Change in Control has occurred for purposes of this
           Agreement, the date on which it has occurred or both shall be
           conclusive for purposes of this Agreement.

                        (ii) For purposes of this Agreement, the "Excluded
           Persons" are (1) Associate, (2) any "group" (as that term is used
           in Section 13(d) of the Exchange Act and the rules thereunder)
           that includes Associate or in which Associate is, or has agreed to
           become, an equity participant, (3) any entity in which Associate
           is, or has agreed to become, an equity participant, (4) the
           Company, (5) any subsidiary of the Company, (6) any Associate
           benefit plan of the Company or any subsidiary of the Company or
           the related trust, (7) any entity to the extent it is holding
           capital stock of the Company for or pursuant to the terms of any
           Associate benefit plan of the Company or any subsidiary of the
           Company, and (8) any director, officer or beneficial owner of at
           least 10% of the Company's outstanding Common Stock as of the date
           of this Agreement. For purposes of this Agreement, Associate shall
           not be deemed an "equity participant" in any group or entity (1)
           in which Associate owns for investment purposes only no more than
           5% of the stock of a publicly-traded entity whose stock is either
           listed on a national stock exchange or quoted in The NASDAQ
           National Market, if Associate is not otherwise affiliated with
           such group or entity, or (2) if Associate's participation is
           fully-disclosed to, and approved by, the Company's Chief Executive
           Officer before the Change in Control occurs.

                        (iii) For purposes of this Agreement, the "Continuing
           Directors" are the directors of the Company as of the date of this
           Agreement, and any person who subsequently becomes a director if
           such person is appointed to be a director by a majority of the
           Continuing Directors or if such person's initial nomination for
           election or initial election as a director is recommended or
           approved by a majority of the Continuing Directors.

                        (iv) Termination of Associate's employment for "Good
           Reason" means Associate's voluntary termination of employment with
           the Entity after a Change in Control as a result of (1) any
           decrease by the Entity (without Associate's consent) in
           Associate's salary from Associate's salary immediately before such
           Change in Control; provided, that no such decrease shall
           constitute "Good Reason" if such decrease is applied in the same
           manner to all officers or Associates at the same employment level
           as Associate (such as all officers or all store managers, as the
           case may be), (2) a substantial change by the Entity (without
           Associate's consent) in Associate's duties or responsibilities
           from Associate's duties and responsibilities immediately before
           such Change in Control, or (3) any requirement by the Entity (to
           which Associate does not consent) that Associate change
           Associate's primary place of business. "Good Reason" will not
           include Associate's death, permanent incapacity or Retirement (as
           defined below), or Associate's resignation other than as provided
           in the preceding sentence. For purposes of this Agreement,
           "Retirement" means Associate's retirement from the Entity in
           accordance with the Entity's normal policies.

                        (v) The Entity's termination of Associate's
           employment without "Cause" means a termination other than for (1)
           Associate's continued failure either to (A) devote substantially
           full time to Associate's employment duties (except because of
           Associate's illness or disability) or (B) make a good faith effort
           to perform Associate's employment duties; (2) any other willful
           act or omission which Associate knew, or had reason to know, would
           materially injure the Entity; or (3) Associate's conviction of a
           felony involving dishonesty or fraud.

                                    - 3 -

                        (vi) For purposes of this Agreement, the "Entity"
           shall mean both (1) the Company and (2) in connection with a
           Change in Control defined in paragraph 4(c)(i)(B) or paragraph
           4(c)(i)(C), the survivor of the merger, consolidation,
           reorganization or share exchange involving the Company and the
           buyer of all, or substantially all, of the Company's assets, if
           such additional entity described in this clause (2) (if other than
           the Company) has offered to employ Associate on such terms that
           would not constitute "Good Reason" for termination of Associate's
           employment if imposed by the Company. Therefore, for purposes of
           this paragraph 4(c), Associate shall not be deemed to have
           terminated Associate's employment with the Entity for "Good
           Reason" and the "Entity" shall not be deemed to have terminated
           Associate's employment without "Cause" unless such actions are
           taken by all entities included within the definition of "Entity".
           In addition, for purposes of this paragraph 4(c), Associate shall
           not be deemed to have terminated Associate's employment with the
           Entity for "Good Reason" and the "Entity" shall not be deemed to
           have terminated Associate's employment without "Cause" if (1) the
           survivor of the merger, consolidation, reorganization or share
           exchange involving the Company and the buyer of all, or
           substantially all, of the Company's assets has offered to employ
           Associate on such terms that would not constitute "Good Reason"
           for termination of Associate's employment if imposed by the
           Company, (2) Associate refuses such employment, and (3) the
           Company terminates Associate's employment for any reason or for no
           reason.

                    (d) The severance benefits provided in this paragraph 4
are exclusive and in lieu of any other severance benefits to which Associate
may be entitled, except for any benefits under the terms of any stock options
or restricted stock agreements Associate may have.

                    (e) There is not, nor will there be unless in writing
signed by both Associate and the Company, any express or implied agreement as
to Associate's continued employment by the Company after the end of the term
of Associate's employment under this Agreement. Associate's subsequent
employment with the Company, if any, will be employment "at will", and the
provisions of this Agreement will not apply to any such employment.

            5. Previous Agreements Superseded. This Agreement supersedes all
previous employment agreements between the parties.

            6. Miscellaneous Provisions. This Agreement may be amended only
by written agreement signed by either the Chairman or Vice Chairman of the
Company. It shall be construed according to the laws of Michigan, and shall
be binding on and enforceable by the parties and their successors in
interest.

IN THE PRESENCE OF:             JACOBSON STORES INC.

/s/  Timothy J. Spalding        By: /s/ P. Gerald Mills
----------------------------        -----------------------------------
                                    Its Chairman of the Board and Chief
                                        COMPANY       Executive Officer

/s/  Dana J. Collins                /s/ Theodore R. Kolman
----------------------------        -----------------------------------
                                        ASSOCIATE

                                    - 4 -

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