SIXTH AMENDMENT TO THE STRATEGIC MODELING AGREEMENT


         SIXTH AMENDMENT TO THE STRATEGIC MODELING AGREEMENT ("Amendment") dated
as of November 12, 2001, among BUSINESS TRANSACTIONS EXPRESS, INC., a Delaware
corporation ("BTE"), and THE CREDIT STORE INC., a Delaware corporation ("TCS").

                                WITNESSETH, THAT:


         WHEREAS, BTE and TCS entered into a Strategic Modeling Agreement on the
18th day of March, 1999 ("Agreement), Amendment to the Strategic Modeling
Agreement on the 16th day of March 2001; Second Amendment to the Strategic
Modeling Agreement on the 29th day of May 2001; and Third Amendment to the
Strategic Modeling Agreement on August 16, 2001; Fourth Amendment to the
Strategic Modeling Agreement on September 13, 2001; and Fifth Amendment to the
Strategic Modeling Agreement on October 12, 2001;

         WHEREAS, the Agreement, as amended, is set to terminate on November 12,
2001; and

         WHEREAS, The parties desire to amend their Agreement to extend the
Agreement term for a period of one month (1) month.

        NOW, THEREFORE, the parties hereto agree as follows:

        Section 1.  Sixth Amendment to the Strategic Modeling Agreement.

                  (a)      The "Data Processing Term" definition is amended in
                           its entirety to read as follows:

                           "Data Processing Term" means the period beginning on
               the date hereof and ending at 11:59 p.m. on December 14, 2001."

                  (b)      The "Modeling Term" definition is amended in its
                           entirety to read as follows:

                           "Modeling Term" means the period beginning on the
                  date hereof and ending at 11:59 p.m. on December 14, 2001."


        Section 2. Counterparts; Effectiveness. This Amendment may be executed
in any number of counterparts, and by different parties hereto in separate
counterparts, each of which when so executed and delivered shall be deemed an
original, but all such counterparts together shall constitute but one and the
same instrument.

        Section 3. Affirmation. The parties hereto affirm and acknowledge that
the Agreement, as amended by this Amendment, is, and remains, in full force and
effect in accordance with its terms.


                  IN WITNESS WHEREOF, the parties hereto have caused this
Amendment to be duly executed by their duly authorized representative as of the
day and year first above written.


                             BUSINESS TRANSACTIONS EXPRESS, INC.


                             By:     /s/ Gordon O. Meyer
                                     -------------------------------------------
                                Its:  President



                             THE CREDIT STORE, INC.


                             By:   /s/ Michael J. Philippe
                                   ---------------------------------------------
                                Its:  Executive Vice President, Chief Financial
                                        Officer and Treasurer