Document:

Exhibit 10.32.1

                 FIRST AMENDMENT TO BANKCARD MARKETING AGREEMENT

         THIS FIRST AMENDMENT TO BANKCARD MARKETING AGREEMENT is made this 15th
day of March, 2002, by and between Plains Commerce Bank f/k/a/ Bank of Hoven, a
South Dakota state bank (the "Bank") and The Credit Store, Inc., a Delaware
corporation (the "Purchaser").

         WHEREAS, the parties entered into a Bankcard Marketing Agreement dated
February 9, 1999; and

         WHEREAS, the parties desire to amend Section 4.2 of the Bankcard
Marketing Agreement relating to termination;

         NOW, THEREFORE, it is hereby agreed as follows:

         1.       A new Subsection 4.2 (c) shall be added to Section 4.2 as
                  follows: "(c) If an Event of Default occurs under the
                  Revolving Credit Agreement dated March 15, 2002, between Bank
                  and Purchaser, as amended, the Bank may terminate this
                  Agreement immediately."

         2.       In all other respects the Bankcard Marketing Agreement is
                  confirmed and ratified.

         IN WITNESS WHEREOF, the parties have caused this Amendment to be
executed as of the year and date first above written.

                                          PLAINS COMMERCE BANK
                                          F/K/A BANK OF HOVEN

                                          By:    /s/ Stephen Hageman
                                                 -------------------
                                                     Stephen Hageman
                                          Title:     President/CEO

                                          THE CREDIT STORE, INC.

                                          By:    /s/ Michael J. Philippe
                                                 -----------------------
                                                     Michael J. Philippe
                                          Title:     Chief Financial OfficerExhibit 10.43.4

                                 AMENDMENT NO. 1
                     TO MASTER CREDIT AND SECURITY AGREEMENT

         This AMENDMENT NO. 1 TO MASTER CREDIT AND SECURITY AGREEMENT (this
"Amendment"), dated as of November 30, 2001, is by and among TCS FUNDING IV,
INC., a Delaware corporation (the "Borrower"), THE CREDIT STORE, INC. ("TCSI"),
a Delaware corporation, acting as the Servicer (in such capacity the
"Servicer"), and MM&S INVESTMENTS CORPORATION, a Minnesota corporation (the
"Lender").

                                    RECITALS
                                    --------

         WHEREAS, the Borrower, TCSI and Miller & Schroeder Investments
Corporation ("Miller & Schroeder") entered into a Master Credit and Security
Agreement dated as of May 31, 2000 (the "Original Agreement"); and

         WHEREAS, the Lender has acquired substantially all the assets of Miller
& Schroeder and is the assignee of the rights and obligations of Miller &
Schroeder under the Original Agreement; and

         WHEREAS, the Borrower desires and the Lender is willing, on the terms
and subject to the conditions hereinafter set forth, to amend the Original
Agreement to, among other things, extend the Revolving Period.

         ACCORDINGLY, in consideration of the premises and for other good and
valuable consideration, the receipt and sufficiency of which are hereby
acknowledged, the parties hereto hereby agree as follows:

                                    ARTICLE I
                                   DEFINITIONS

         1.1 Original Agreement Definitions. Terms defined in the Original
Agreement shall have the same meaning when used herein unless otherwise
expressly indicated.

                                   ARTICLE II
                                   AMENDMENTS

         2.1 Amendment to Section 1.1 of the Original Agreement. The definitions
of "Lockbox Account," "Lockbox Agreement," and "Revolving Period" set forth in
Section 1.1 of the Original Agreement are hereby amended in their entireties to
read as follows:

         "Lockbox Account" means the lockbox account at First Premier Bank
referred to in the Lockbox Agreement.

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<PAGE>

                  "Lockbox Agreement" means that certain Lockbox Agreement dated
         as of November 1, 2001 among the Borrower, the Lender, TCSI
         (individually and as the Servicer), certain subsidiaries of TCSI First
         Premier Bank, Wells Fargo Bank Minnesota, National Association ("Wells
         Faro"), The Varde Fund IV-A, L.P. and Coast Business Credit, a division
         of Southern Pacific Bank ("Coast"), as such agreement may be amended,
         restated, supplemented or otherwise modified from time tot time.

                  "Revolving Period" means the period commencing on the Closing
         Date and ending on the earlier to occur of (i) March 31, 2002 or (ii)
         the date on which an Event of Default occurs.

         2.2 Amendment to Section 2.3(a)(i) of the Original Agreement. Section
2.3(a)(i) of the Original Agreement is hereby amended in its entirety to read as
follows:

                  "(i) Pre-Rating Loans. Subject to Section 2.2(b) below, each
         Loan borrowed before the Ratings Event shall bear interest on the
         unpaid principal amount thereof at (A) 9.75% from November 20, 2001 to
         and including March 31, 2002 and (B) from and after April 1, 2002, at a
         varying rate per annum equal to the sum of (x) the Prime Rate for the
         applicable Interest Rate Period and (y) the Applicable Margin."

                                   ARTICLE III
                         REPRESENTATIONS AND WARRANTIES

         3.1 Representations and Warranties. To induce the Lender to enter into
this Amendment, the Borrower hereby represents and warrants to the Lender as
follows:

         (a) The Borrower's execution, delivery and performance of this
Amendment (and of the Original Agreement as amended by this Amendment) have been
duly authorized by all necessary corporate action on the part of the Borrower,
do not require any approval or consent of, or any registration, qualification or
filing with, any governmental agency or authority or any approval or consent of
any other person or entity, do not and will not conflict with, result in any
violation of, or constitute any default under, any provision of its Certificate
of Incorporation or Bylaws, any agreement binding on or applicable to it or any
of its properties, or any law or governmental regulation or court decree or
order binding upon or applicable to it or its properties, and will not result in
the creation or imposition of any lien or encumbrance in or on any of its
properties (except in favor of the Lender) pursuant to the provisions of any
agreement applicable to it or any of its property.

         (b) The Original Agreement, as amended hereby, the outstanding Notes,
and the other Transaction Documents are the legal, valid and binding obligations
of the Borrower, as provided above, enforceable against the Borrower in
accordance with their terms, except as enforcement may be limited by applicable
bankruptcy, insolvency, moratorium and other laws applicable to creditors'
rights generally and by general principles of equity.

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<PAGE>

         (c) No action, suit or proceeding is pending or, to the Borrower's
knowledge, threatened against the Borrower that could have a material adverse
effect on the Borrower.

                                   ARTICLE IV
                  CONDITIONS TO EFFECTIVENESS OF THIS AMENDMENT

         4.1 Conditions to Effectiveness of this Amendment. This Amendment shall
become effective when the Lender shall have received the following:

                  (a) This Amendment, duly executed by the Borrower;

                  (b) An extension fee of $37,500; and

                  (c) A copy of the resolutions of the Borrower's board of
         directors authorizing the Borrower's execution, delivery and
         performance of this Amendment and the Original Agreement as amended
         hereby, certified by the Secretary or an Assistant Secretary of the
         Borrower, together with (i) specimen signatures of authorized officers
         of the Borrower and (ii) copies of the Borrower's certificate of
         incorporation and by-laws if either the list of authorized officers or
         the Borrower's certificate of incorporation or bylaws has changed since
         the closing of the Original Agreement.

                                    ARTICLE V

                                  MISCELLANEOUS

         5.1 Reference to and Effect on the Original Agreement. Note and
Security Documents.

                  (a) The Original Agreement, as hereby amended, the outstanding
         Notes and the other Transaction Security Documents remain in full force
         and effect and are hereby ratified and confirmed.

                  (b) The execution, delivery and effectiveness of this
         Amendment shall not, except as expressly provided herein, operate as a
         waiver of any right, power or remedy of the Lender under the Original
         Agreement, the outstanding Notes or the other Transaction Documents,
         nor constitute a waiver of any provision thereof.

                  (c) All references in the Original Agreement, as hereby
         amended, to "the -Agreement" shall be deemed to refer to the Original
         Agreement as amended hereby; and any and all references in the
         Transaction Documents to "the Credit Agreement" shall be deemed to
         refer to the Original Agreement as amended hereby.

         5.2 Continuation of Representations and Warranties. The Borrower
represents and warrants to the Lender that on and as of the date hereof and
after giving effect to this Amendment, (i) all of the representations and
warranties contained in the Original

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<PAGE>

Agreement are correct and complete in all material respects as of the date
hereof, as though made on and as of such date, except to the extent such
representations and warranties specifically relate to an earlier date, in which
case they were true and correct as of such earlier date, and (ii) no Default or
Event of Default has occurred and is continuing.

         5.3 Meter and Integration. Superseding Effect. The Original Agreement,
as amended by this Amendment, together with the other Transaction Documents,
from and after the date hereof, embodies the entire agreement and understanding
between the parties hereto and supersedes and has merged into it all prior oral
and written agreements on the same subjects by and between the parties hereto
with the effect that the Original Agreement, as amended by this Amendment, and
together with such other Transaction Documents, shall control.

         5.4 Expenses. As provided in Section 12.5 of the Original Agreement,
the Borrower agrees to pay all of the expenses, including reasonable attorney's
fees and expenses, incurred by the Lender in connection with this Amendment.

         5.5 Counterparts. This Amendment may be executed in any number of
counterparts, all of which taken together shall constitute one and the same
instrument, and either of the parties hereto may execute this Amendment by
signing any such counterpart.

         5.6 Successors. This Amendment shall be binding upon the Borrower, the
Lender and their respective successors and assigns, and shall inure to the
benefit of the Borrower and the Lender and the successors and assigns of the
Borrower and the Lender.

         5.7 Headings. The headings of various sections of this Amendment have
been inserted for reference only and shall not be deemed to be a part of this
Amendment.

         5.8 Governing Law. The validity, construction and enforceability of
this Amendment shall be governed by the internal law of the State of Minnesota,
without giving effect to conflict of laws principles thereof, but giving effect
to federal laws of the United States applicable to national banks.

                           [Signature Page to Follow]

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<PAGE>

         IN WITNESS WHEREOF, the parties hereto have caused this Amendment to be
executed by their respective officers thereunto duly authorized, as of the date
first above written.

                                         MM&S INVESTMENTS
                                         CORPORATION, as Lender

                                         By:  /s/ Eric Cook
                                              -----------------------
                                                  Eric Cook
                                           Its Assistant Vice President

                                         Suite 3000
                                         150 South Fifth Street
                                         Minneapolis, Minnesota 55402

                                         TCS Funding IV, Inc., as the Borrower

                                         By:  /s/ Michael J. Philippe
                                              -----------------------
                                                  Michael J. Philippe
                                           Its Chief Financial Officer

                                         3401 North Louise Avenue, Suite 105
                                         Sioux Falls, South Dakota 57107

                                         THE CREDIT STORE, INC., as the
                                         Servicer

                                         By:  /s/ Michael J. Philippe
                                              -----------------------
                                                  Michael J. Philippe
                                           Its Chief Financial Officer

                                         3401 North Louise Avenue
                                         Sioux Falls, South Dakota 57107

                (Signature Page 1 of 1 to Amendment No. 1 to the
                     Master Credit and Security Agreement)

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