Exhibit 10.10.1

                  AMENDMENT TO THE STRATEGIC MODELING AGREEMENT


         AMENDMENT TO THE STRATEGIC MODELING AGREEMENT ("Amendment") dated as of
March 16, 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);

         WHEREAS, the Agreement was set to terminate on March 17, 2001; and

         WHEREAS, The parties desire to amend their Agreement to extend the
Agreement term for a period of three (3) months.

         NOW, THEREFORE, the parties hereto agree as follows:

         Section 1. 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 June 17, 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 June 17, 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 --------------------------------------
                                       Its:



                                    THE CREDIT STORE, INC.


                                    By --------------------------------------
                                       Its: