EXHIBIT 10.4

FIRST AMENDMENT TO
LEASE AGREEMENT

        This First Amendment is made effective the 29th day of October, 2004 (the “First Amendment Effective Date”) and amends and supplements that certain Lease Agreement dated August 25, 2003, (the “Lease”) by and between Quest Management Limited Partnership (the “Lessor”) and First Financial Computer Services, Inc. (the “Lessee”)

        WHEREAS, the parties desire to amend portions of the Lease related to termination.

        NOW, THEREFORE, in consideration of the mutual promises and covenants contained herein, and other good and valuable considerations, the parties agree as follows:

1.     If Lessor enters into an agreement to sell the premises at 18122 Cantrell Road, Little Rock, Arkansas 72223 (“18122”), Lessor may terminate that portion of the Lease pertaining to 18122 upon 120 days notice to Lessee and Lessee shall vacate 18122 on or before the end of such 120 day period. After the Lessee has