Credit Store Inc Watch

from 10-Q ~50 pages Master Loan and Servicing Agreement

from 10-Q ~20 pages Revolving Credit Agreement

from 10-Q ~5 pages Amendment No. 1 to Master Credit/Security Agrmnt

from 10-Q ~5 pages Amendment No. 2 to Master Credit/Security Agrmnt

from 10-Q ~5 pages Amendment No. 1 to Master Credit/Security Agrmnt

from 10-Q 1 page Thirteenth Amendment to Loan & Security Agreement

from 10-Q ~5 pages Twelfth Amendment to Loan & Security Agreement

from 10-K ~5 pages 11th Amendment to Loan & Security Agreement

from S-1/A ~50 pages Credit and Security Agreement, Dated May 1, 2001

from S-1/A ~5 pages Tenth Amendment to Loan and Security Agreement

from S-1/A ~5 pages Eighth Amendment to Loan and Security Agreement

from S-1/A ~5 pages Seventh Amendment to Loan & Security Agreement

from 10-Q 1 page Amendment Number Nine to Loan & Security Agreement

from 10-Q ~50 pages Master Loan & Servicing Agreement, Dated 10/31/00

from 10-Q ~50 pages Master Credit & Security Agreement, Dated 5/31/00

from 10-12G 1 page <page> 1 Martin J. Burke 4902 South Oxbow, Apartment 113 Sioux Falls, South Dakota 57106 March 27, 1997 Credit Store, Inc. 3401 North Louise Avenue Sioux Falls, South Dakota 57107 Gentlemen: Credit Store Has Provided Me With a Credit Card, Account Number [Number Omitted]. Any Charges That I Make on the Card Will Be Personal and Will Constitute a Loan From the Corporation to Me. I Will Be Bound by the Terms of the Cardholder Agreement Which Provides for Interest at the Rate of 18.9% Apr, With a Minimum Monthly Payment Equal to 3.0% of the Outstanding Balance. the Credit Limited on the Card Will Be $450,000. in Addition to the Minimum Monthly Payments and as a Requirement for This Corporate Loan, the After-Tax Amount of My Earnings Bonus (As Defined in My Employment Agreement With the Corporation of Even Date Herewith), if Any, Will Be Applied by the Corporation to Reduce the Outstanding Balance of My Credit Card Account. I Understand That if Am Not Serving as Either a Director or an Officer of the Corporation, My Rights to Make Additional Charges or to Obtain Cash Advances Will Be Terminated and That I Will Remain Obligated to Repay Any Outstanding Balance Pursuant to the Terms of the Cardholder Agreement. Very Truly Yours, /S/ Martin J. Burke, III Martin J. Burke, III

from 10-12G >50 pages Credit Agreement

from 10-12G ~5 pages Amendment No. 6 to Loan and Security Agreement

from 10-12G ~5 pages Amendment No. 5 to Loan and Security Agreement

from 10-12G ~5 pages Fourth Amendment to Loan and Security Agreement